Yes, I said, how’s your insurance?

It’s been twelve years since I’ve been a property and casualty insurance agent but when a client contacted me about replacing or repairing a damaged newly purchased laptop I found that my insurance cap still fit. In short, off site a staff person had somehow damaged the screen on a three week old laptop and my initial response was to contact the manufacturer and see if they would assess the damage and repair or replace the machine. Second, I suggested that she should see what her insurance company would cover for the damage.

I have no intention of going back into the insurance business but this incident got me thinking, my client with this latest purchase now has approximately 20 laptops assigned to various staff persons who work not only from home but also numerous other official and unofficial locations and the fact the only two machines have been damaged in the last 4 years is a miracle. Whether your company has 50 staff members or one, with the large number of laptops and mobile phones in circulation the possibility of damage, loss, or theft is inevitable. Beyond the loss of data and security risks from missing devises is the cost of replacing which is always a financial hit. For large companies this is the cost of doing business but for small companies the replacement of computers, time lost while recovering data and the loss of critical information can be devastating. An insurance policy that replaces the laptop or telephone can help easy that blow.

Not only for laptops, but as a business person when was the last time you reviewed your insurance policies, I’ve made a list of several areas that you should review for the New Year:

  • Warranties: I always purchase at least 3 year warranties and support packages on all servers I install; the primary issue for me is down time. I may be able to fix a certain computer issue but if I can save time then I’m also saving my client money with less aggravation. Personally, since my laptops are my business I initially purchase 3 year warranties as I buy new equipment it reduces the headaches.
  • Business Personal Property: Many of us now work from home either as consultants, Solopreneur, or just telecommuters. What’s covered by your home owners’ policy? Do you need a separate business policy? Not just your laptop but what about printers, furniture, etc. Although some things will be covered by your home owners’ policy, I suggest that you make a list of your business assets and talk with your homeowners/renter policy Insurance agent.
  • Business Liability: Are potential clients coming to your home or office (I’ve deliberately excluded coffee shops!). If they slip and fall are you liable? Is your homeowners/renters’ policy going cover a liability issue for a business meeting? Also, if you work on client property in your home or office, “care, custody, and control”, what is the extent of your responsibility and how you are covered?
  • Errors and Omissions: Whether you are installing networks, creating and maintaining web sites, organizing someone’s office or giving financial advice please check regarding you vulnerability when working with clients whose expectation about the completed project may differ from yours.
  • Loss of Use/loss of wages: This could be a big issue in the event of a major natural disaster or local catastrophe, if you have expectations for FEMA or some governmental agency rescuing you in this scenario, I think this is another item to discuss with your insurance broker. If you are truly doing disaster planning this should be incorporated in how fast you can recover and return to business.

As I said from the beginning, the New Year is a good time to look at how you will do business for the future and disaster planning is more than is your data backed up. Here’s wishing you a happy and prosperous New Year!

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Brian Posey’s Wireless Security Continued

Brian Posey’s fourth wireless security article touches on the more technical aspects of routers and security.

Encryption is a standard for any SOHO deployment of a wireless access point, a fact which Posey explains. Furthermore, he briefly touches on UTM routers (Unified Threat Management) which have the capacity to provide additional security features such as gateway virus protection, gateway spam filtering, content blocking, website blocking, and RBL (Real-time Black Lists) for blocking unsecure email sites. I like the idea of UTM routers but I’m not clear on how effective these devices are for anti-virus and spam protection. (I prefer third party inbound email filtering.) More to the point, I would  prefer that Brian or someone else to provide us with a clear picture of UTM routers.

From a small office/home office point of view, we should note that not only are these routers more expensive but many of the additional security features are enabled only on a subscription basis; thus, adding to the overall budget picture. While we wait for Mr. Posey’s final article on wireless security, I will look for a more comprehensive discussion of UTM routers. Again, part of our focus is to familiarize business owners with sites that increase our overall knowledge on the issues of office networking.

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Is your wireless naked?

Over the years I have always been reluctant to endorse or install wireless networks for clients, but who am I fooling as I set in my neighborhood coffee shop and begin this post? Wireless networking is fact of life for all of us, so let’s be clear that the primary issue with wireless networks is always security. Wireless network security has two major points of vulnerability: 1. Laptop vulnerability in open networks and 2. Securing wireless access points (wireless routers).

Whether your workstation is wired or wireless it can always be a target for hackers or malicious malware (viruses, Trojans, worms, etc.). All networks should have a physical/hardware firewall separating the network computers from the Internet. Depending on the level of sophistication, the firewall can not only provide separate private addresses for the local network, thus separating the local network from internet, but more sophisticated firewalls can also control or limit the type of inbound and outbound traffic. In many coffee shops and open networks there is no access control except network address translation (NAT) to provide private addresses for multiple machines which allows them to access the internet using one internet connection. This is done to accommodate all wireless users that may come in wanting to use the wireless internet.  Some “hot spots” require a web interface logon which may require an additional paid access or some kind of acknowledgment (room number or agreement) which may mean that remote access is better controlled with increased security. In addition, some of these locations may limit remote access Virtual Private Networking (VPN) or remote desktop access (RDP) allowing only web based email or Remote Web Workplace connections. In that case, however, the security is increased.

On the other hand, you are at the local neighborhood coffee shop and what do you do?

Install a personal firewall! The following links provide a list of current personal firewalls including several that are free: http://www.firewallguide.com/software.htm#Top_Picks and http://personal-firewall-software-review.toptenreviews.com/. I don’t make any recommendations because other than intrusion defense the various models work differently. Some are configured automatically (my favorite) while others are more technical; if you don’t know what SMB or ICMP means, work with the more easily managed applications.

As stated earlier, I believe all sites whether office or home should always have a physical firewall in place and wireless routers can also serve that purpose. Note that the range can be varied both in function and cost; recently one of the professional magazines to which I subscribe gave a list of 5 quality WLAN (Wireless Local Access Network) adapters: http://www.channelpro-digital.com/channelpro/201009?folio=20#pg22. Take time to do a little research about the appliance you want to buy; besides being rated for bandwidth speed, I recommend that the appliance have a web interface that you can understand and if you are using virtual private networking to access a site make sure that its firewall can be configurable and that it allows VPN pass through. When I encounter a router that I’m not familiar with, I go to the manufacturer site and look at the user manual and view not only technical specs but also how to configure the router for my clients.

Finding the right wireless adapter/access point is only part of the issue when setting up a wireless network. Almost all of the consumer grade products come ready to go, just plug it in and you can reach the internet. Although this can make life simple, an open network is an invitation to trouble; therefore the next step, configure encrypted wireless access. Did you look at how to configure wireless security when you reviewed the user manual? Use WPA (Wi-Fi Protected Access) encrypted security. We aren’t a how to site but take a look at Brian Posey’s evolving discussion regarding Wi-Fi vulnerabilities and how to secure your home or office network: http://www.windowsnetworking.com/articles_tutorials/Securing-Wireless-Network-Traffic-Part1.html. Wireless networks are a fact of all of our lives but there are risks; please play heads up ball.

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Has your antivirus subscription expired?

Security for computer networks comes in many forms.Often the most troublesome and frequently encountered are malware infections (viruses, worms, Trojans, spyware, etc.). Unfortunately, during my initial meetings with prospective clients I still find workstations with expired antivirus software or no protection at all. Malware, like hard drive failures, can make workstations inoperable but all data can also be lost. Many techs will only work so long on resolving infections before they suggest reformatting the hard drive and reinstalling the operating system. Maybe they are just giving up but if you are being paid by the hour, it is the better part of valor to start from scratch rather than keep charging your customer for a server when you don’t have or know the solution. On the other hand, there are technology firms that focus solely on virus eradication (at all costs) and data recovery, but be prepared to pay the price if you absolutely need your workstation and data intact. This might be a time to lecture about hard drive backups or imaging but that is not a good method for establishing a good working relationship.

In this day and age of growing security needs, the list of old and new malware removal companies is never ending so there is never a reason for a person to be without virus protection. Professionally, I don’t recommend free antivirus solutions (I don’t scold my mother-in-law for using AVG Free Edition) because most free versions of software offer no support or are only limited (restricted) versions. The most popular free antivirus programs are AVG Free Edition, Comodo Internet Security, and Avast Free AntiVirus. One exception to the premise, that free software provides no support or is a restricted version of the paid client, is Microsoft’s Security Essentials, http://www.microsoft.com/security_essentials/. Microsoft offers this antivirus client for standalone computers with support and the promise of offering a good stable product; if you are looking for an antivirus client this might be worth a try. If you are looking for these and other free or trial antivirus and other downloadable utilities, I suggest becoming familiar with CNET’s Download.com which offers a vast array of spyware free/trial utilities to try. In addition, CNET offers several good spyware removal tools including: Malwarebytes Anti-Malware, Spybot Search & Destroy, Ad-Aware Free Anti-Malware, and SuperAntispyware Free Edition.

Last note: Often, I’m asked to define the difference from viruses, spyware, Trojans, and other malware. I don’t always make a true distinction between the various types of malware other than, “Do I have a tool to remove it quickly to minimize client down time?” Sophos has published a paper, “A to Z of Computer Security Threats”, which gives a good definition of the various malware types which you may find interesting. For your convenience, we have posted the PDF file on our SkyDrive site for you to download. In addition, I’ve also included Trend Micro’s white paper on understanding and protecting against Fake (hoax) Antivirus infections.

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Are online backups a maintenance solution?

Recently, I had a new client inquire about using online backup as an additional level of redundancy to protect their data.  My quick response was I’d compile a list for them to review and make an informed decision. Later, I thought about what considerations go into an informed decision: Storage space? Ease of configuration? Cost per MB/GB? Level of tech support?  Below is a list of criteria that I use when reviewing not just backup providers but all software purchases and deployment.

Why online backups?

  1. Hardware and media fail: (external drives, tape, CD’s, flash drives, etc.). If not now, they will sometime in the future. Or you will outgrow the capacity of your media.
  2. Set it and forget it!: No matter what people tell me, as I talk to “solo-preneurs” and small business owners about backup, remembering to schedule backups or change backup media can be a problem.  Online backup resolves both of those issues.  With online backups scheduled and no media (tapes, CD’s, external hard drives, etc.), the computer needs only to be turned on.  Let me repeat that, “With online backups scheduled and no media, the computer needs only to be turned on”!  If this is still a problem, some online backup programs will do real-time backups.
  3. Disaster recovery: One of the primary business concerns after hurricane Katrina was how fast a business could get back in action after so much devastation and loss.  We know that with a total loss of all business data, customer lists, inventories, etc., many businesses are unable to recover and rebuild.  They don’t fail; they die. Data stored in the “cloud”, i.e. online, ensures that business records are not lost, giving businesses a running start to resume.  A disaster plan combining either cloud-based applications or backup images for bare metal restore, can mean the difference for a business in a crisis situation being back in operation within days or in some cases hours.
  4. Redundancy: I like using both physical backups, images, and online backups to provide continuous updating of business data because business disasters can come quickly and in many forms, ranging from server failures, fires, floods, or theft.  With imaging, a server now can be physically rebuilt in a matter of hours as opposed to days with online restores providing additional data as needed.

Considerations

  1. Internet Failure: In my most paranoid moments I fear that the Internet will be inaccessible, in which case all Internet-based computing solutions will be unavailable.  Many assure me that in this day and age the Internet back bone is most stable and secure.  Most disaster preparation plans call for three days self-sufficiency while local and governmental disaster response teams evaluate the overall situation.  I suggest that telephone, electrical, water, waste, and Internet services could be affected during that time period as well.
  2. Availability and Security: There are two issues concerning database storage: What level of redundancy has the vendor built into their system and where are the data stored? Online backup requires data storage centers that house servers; there must be a system for duplicating the same data between centers and facilitate seamless user access from one or more centers at the same time.Consideration needs to be given as to where those data centers are located and whose data is stored next to yours.  On an international scale, various countries have grave concerns if their data are stored in or near an enemy nation and there has been some concern about the physical security of storage facilities located at sea.  You might be concerned if your competitor’s data is stored next to yours or whether the storage facility’s level of encryption complies with HIPPA, Sarbanes-Oxley, or other security requirements.
  3. Latency: The time needed to upload large amounts of data can actually take days for a complete backup.  This latency is adequate for disaster recovery to ensure no data is lost but the time delay is not suitable for the complete rebuilding of a physical server.  To compensate some vendors will allow users to send physical copies of data to resolve the time needed for a complete backup or some vendors will send (next day express) a physical copy of backup data if a complete rebuild of a server is needed.

BNS Online backup criteria:

  1. Simplicity/User interface: My primary concerns are
    • How easy is the backup agent (program) to install?
    • How much space does it takes up on the hard drive?
    • How easy is it to configure and schedule a backup?
    • What is the performance impact on computer (Does it slow down your computer?); this is particularly true for real time backups?
    • Many online backup services have a risk free trial period which I recommend as a way to answer these initial questions.
  2. Storage capacity and cost: Online backup/storage services operate on a subscription basis with a monthly charge based on the amount of storage, usually with a base minimum of 5 -10 GB.  The introductory minimum is always quite inviting from a cost point of view but be clear about how much data needs to be backed up. The more data you store, the more expensive; not to mention the amount of time to complete the initial backup.
  3. What needs to be backed up?: SQL? Exchange? Laptop? For businesses that need to back up database files, the mail server, specialty business applications, Linux files, or Mac computers: make sure that the vendor’s software for backup and data restore is adequate for your use.
  4. Vendor reliability: comes in two forms:  Does the company have a good reputation? Find out not only how long they have been in business, but also look at their list awards and articles related to their success.  Read those articles not just for accolades! Quite often those articles will also provide a comparison with other service providers as well as “pros” and “cons”.The second level of provider reliability is availability or up time:  Do they make a statement or offer a “service level” guarantee of availability, i.e. 99.5% up time?  Do they have a plan for up time following a natural disaster?
  5. Technical support: There are many players in the online backup/storage business. Besides the mentioned criteria, I make a pre-sales call to technical support to see how responsive, friendly, and helpful the company is.  As Americans we make jokes about talking to tech support from India or the Philippines.  Putting our prejudices aside, if you can’t understand the person, the response time is slow, or the tech support person doesn’t have a clue about the product (reading from a script); what is your first impression?  The bottom line is: no matter what the price, can you depend on this company to protect the storage of your data?
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Whose Network is it anyway? Notes for business owners.

It is a good practice for business owners to outsource technical support to keep their minds focused on their primary responsibilities. Outsourcing saves not only time and money but also provides valuable expertise not necessarily available in-house… so good technology support should be your trusted technology advisor.

Every business owner should take the time to understand the fundamentals of his/her computer network; after all, whose network is it anyway?

1. Know your passwords: Passwords are the first line of defense against external and internal intrusion into your computers or network, and a lot has been written regarding the security aspects of using passwords.  Passwords to computers, servers, and network devices are the keys to your critical business information and the security of your network but if your office manager becomes sick or leaves, do you still have access to your QuickBooks database, client list, inventory list, pending projects, etc? Who knows this information?  Your office manager? Your tech support? Do you?  The time spent discovering the password to the accountant’s workstation or finding device information for a new technical support person is money wasted. You should make it your business to know all of the passwords to access critical information and devices on your network.

2.    How to properly start and restart your server: I received a call several weeks ago from a client requesting the password to restart a server that had shut down after the building lost power. I gave him the password but suggested that to turn on the server he needed only to push the button.  A lot of network administrators don’t like the idea of someone on site having administrative access to the server but they can’t be available all of the time, sometimes starting or restarting a server or workstation is the solution to a problem. Do you know how to safely shutdown, restart, or start your server?  This can save you time and money.

3. Add or disable a user: When that disgruntled employee walks off the job, how quickly can you disable that person’s user account and deny him/her access to your network?  If you have to call your tech support person to do this task, you are not only wasting money but you’re compromising the security of your network.  The same holds true for new employees.  Add them as you hire them to allow access to your network. Your tech support can make sure they have the correct security permissions after you make your call.

4. How to change a password: As that disgruntled worker walks out the door, how quickly can you change the password to your server?  Computer passwords should be changed frequently to increase the security of your network.  When was the last time you changed your password? Do you know how to change your password?

5. How to check to make sure your backup is running: You bought a new external hard drive and pushed the button to backup your computer and/or server.  Now you can rest.  How do you know that your backup is running properly?  Is there a backup log or report?  Are you checking that report daily to make sure that backups are running as scheduled? Is there a pattern of repeatedly missed backups?

6. How to restore a file from backup: OK, so now your backups are running daily but what happens if you need to restore a file?  Being able to quickly restore an accidentally deleted file or folder saves you time and money; plus ‘test restores’ should be a standard part of network maintenance to ensure that the backup is working beyond reviewing log files.

7. How to check if your antivirus is up to date: Not only should virus scans run on a regular schedule but business owners should know more than when the subscription is due. They should also know if the virus definitions are up to date.

8. How to run a virus scan: In addition, business owners and staff should know how to run a virus scan.  This is particularly true for laptops. Increased mobility also means increased responsibility.  If scans are scheduled to run at 3 am, it does no good if your laptop is shut down or asleep.  Worse still is only running a scan when you suspect a file might be infected.

9. Is your system security up to date? Are you only relying on MS updates?: Updates are at the core of the security for your system (computer); antivirus and other applications build on this core. At first, many complained about Windows needing update patches, so Microsoft automated the critical level of this process; then people assumed that this would take care of the process.  Although critical updates are automatically installed, there are other updates, including Office 2003/2007 application updates, driver updates, and other options that are not part of the critical update process. I have a policy of manually updating servers to control what and when updates are installed.

10. Could you start over again if you had to?:
Starting again is a little more than just having a plan; it is also an attitude.  There are at least three components in planning that help with this attitude:

  • Do you have up to date network documentation for your existing site?
  • Does your tech planning for the future and/or disasters include a budget?
  • Does your recovery plan include where to start first? Who to call?

As business owners, we are always working to maintain our foothold while looking for that next step up. I don’t expect small business owners to be technology mavens but I do think that they should have a good functional understanding of their network.

Outsourced IT support may be the solution for your continued maintenance and growth but the final decisions are yours.  With that in mind you should always keep your hand in maintaining a functional understanding of how your investment is protected.  Because, as we come full circle, whose network is it anyway?

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Create a Password You Can Remember

Say you have the most secure system in the world. How do you keep it that way? Passwords not only keep your system secure, but can limit access to certain people, be it employees, technical support, or a specific member of your team, such as the accountant. Do you remember the passwords to your server, Quickbooks, etc? Do you change them regularly with secure passwords? While we all can relate to dreading the 30-60 day password change, there are techniques out there to help make the burden lighter. Wikihow gives helpful techniques on not only creating a secure password, but one you can remember too:

Wikihow – Create a Password you can Remember

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