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Welcome to Insight, the newsletter that delivers custom small business advice and technology information to help you succeed. Insight provides you with valuable business strategies and software tips, as well as advice from small business experts, free software downloads, premium templates, and exclusive special offers. Look for the plus signto identify Small Business+ exclusives.

Some savvy entrepreneurs use their credit cards to start new businesses or to keep them afloat during lean times. This approach could work for you if you understand the difference between good debt and bad debt. Good debt makes your life better. It’s an investment that delivers personal or financial rewards. Bad debt makes life miserable. It drains your finances and quickly becomes unmanageable. Find out how credit cards can easily become bad debt.

Microsoft has announced pricing and preorders for voice-activated phone systems designed specifically for small businesses. The phone systems combine compact hardware and Microsoft Response Point software for easy deployment and rapid configuration. The Response Point voice-enabled user interface makes it easy to connect employees and customers with the people and information they need.

If your company focuses mostly on spam, you may be ignoring much more serious threats. When thinking about computer and network security, begin by sorting out what constitutes a genuine security menace to your computer systems, and what is mostly a nuisance. Threats may lurk in your inbox, on the Web sites you visit, and in the content you download. And don't forget dangers like floods, fires, hardware failures, and accidental data deletions. Here's some guidance for what to focus on.

Daylight saving time ends on November 4, 2007, a week later than in past years. Unless both your Windows operating system and your calendar programs are updated, the time zone settings for your computer's system clock may be incorrect. Uncertain if your PCs and servers are ready? Go to the Microsoft Daylight Saving Time Help and Support Center, where you'll find tools to make sure your systems are ready to "fall back" seamlessly.