How to Select the Best Mobile Payment Application

Mobile point-of-sale (POS) solutions enable merchants to accept credit card payments where it is most convenient for their customers. Mobile payments allow merchants to accept and process credit card payments in the aisle, outside the store or anyplace customers prefer to pay. Small business owners or large enterprise merchants with a mobile sales team or non-traditional storefronts can expand their business and increase revenue by accepting mobile credit card payments using their existing smart phone.

Mobile POS systems are setting a new standard in convenience and are easy to implement and support. Merchants equipped with an iPhone, BlackBerry, Windows Mobile or Google Android device can submit, authorize and settle transactions quickly and securely.

Mobile POS systems offer several advantages:

  • Decrease Processing Cost- Merchant can lower their processing cost by using a single merchant account to accept retail and mobile payments.
  • Customer Satisfaction- Improve the customer experience by offering multiple payment options.
  • Flexibility- Mobile transactions allow merchants to take your storefront anywhere you go.
  • Stability and Reliability- Mobile POS software rivals those of the largest e-commerce, trading, and portal Web sites. Mobile POS applications can handle millions of transactions every month.

Lower Entry Cost

Considering that most people would rather lose their wallet than misplace their cell phone, it comes as no surprise that the mobile platform is quickly becoming a new payment option for small business owners. For many, our cell phone never leaves our side. It maintains its place at the dinner table, is easily accessible on your belt clip or in your pocket, and often, somehow it even manages to end up sharing your pillow at night. Today, cost conscience merchants can accept credit card payments without purchase traditional point-of-sale equipment or paying for expensive system customizations.

Market Expansion

Mobile POS solutions are priced for the small business owner and independent sales representative. Merchants can purchase a quality smart phone payment application from $0-$29.95. Questions to ask your mobile payment provider:

· Is the mobile application PCI compliant?

· Does the application support both small and large payments?

· Does the system require a payment gateway service? If so, recognize payment gateways require an additional recurring monthly fee.

· Does the application support swipe and non swipe transactions? Swipe transactions provide lower processing fees.

· What card readers are supported?

· Does the card reader support data encryption?

· Does your system provide online statements for viewing customer transactions?

· What mobile phones are supported?

· Does the system ensure no customer payment information is stored on the cell phone?

· What are all the fees associated with accepting payment?

· How quickly are customer payments funded to the merchant’s bank account?

· What is the license agreement? Specifically can the merchant load the mobile payment application on multiple devices?

We’ll undoubtedly see many mobile application providers come out of the woodwork as the industry matures. However, merchants should look for a mobile payment provider with multiple years of experience in the payment processing industry.

Top Mobile Payment Applications

1. MobileAuthorize (Google Android, BlackBerry, iPhone/iTouch, Windows Mobile)

2. iPayPOS (iPhone)

3. RoadMerchant (BlackBerry)

4. MobileMerchant (iPhone, Windows Mobile)

Construction Engineering Jobs Are Critical In A Building Boom

With the recent decline in home sales and the increase in foreclosures, we are poised for yet another change. New home sales are predicted to be back on the rise in the coming years and with the increase in new home sales will come an increase in construction engineering jobs. New construction will again take hold as soon as home prices are said not to go any lower. This leaves room for the prices to go nowhere but up.

Anytime you have new homes being built you will have construction engineering jobs being created. Over the last couple of years, many people got out of the industry as many companies were losing bids and jobs they had previously held. One company, for example, would routinely build hundreds of homes per year. However, when the housing crisis hit they went from hundreds to only building 10 homes in 2010. This of course left them to the only course of action to save their business and that was to lay off over 80% of their staff.

When these layoffs occur, you have many people out of work. When you have people from the construction industry out of work, they typically try to stay within the industry somehow. Therefore, what you end up with is possibly a construction engineer job being taken by a person who used to manage a job site. In addition, you will have a site electricians position being applied for by a plumber. It is not uncommon for people to switch trades when jobs are scarce.

When the economy is in trouble, people scramble. During this period, we had many people learn new trades and are now able to fit into multiple positions within the industry. Estimates now have the economy being revived in the next 3 years. In this period, we will see many new homes being built and this will result in new jobs being created. Some of these new jobs may be filled by people who are new to the industry while some will be filled by people who worked in the construction industry before the crisis and have since just changed the job they do.

Construction engineering jobs pay very well. In addition, any job that pays well will usually require some time spent in school. These are not jobs that just anybody can do. They require training and technical expertise. With all the layoffs over the last couple of years, many people went back to school. There were a percentage of people who had money saved and were able to take the time during their layoff to go to school. In addition, those who did and wanted to remain in the construction industry would have been smart to go into construction engineering. The amount of jobs available to a person with that training under their belt is almost triple what would have been available to them before going to school.

Therefore, with the housing crisis now estimated to be over within the next year or two many people will eventually be getting back to work. With new home sales comes new home construction and that brings jobs. Many who were out of work in the past will soon be able to return to work. If they were once in the construction industry, they may now have a chance to return to work as jobs in that industry will soon be on the rise. There will be many construction engineering jobs available to those who have the knowledge and training. Many people over the last couple of years have sought to gain that education and are now ready to put it to work.

Watches With GPS – Garmin Forerunner Advanced Workouts

Watches with GPS are perhaps one of the more sophisticated innovations in performance and fitness tools to have hit the market recently. Sports Watches that features GPS are useful for any athlete who is involved in running, cycling, rowing and other motion sports.

GPS watches can track your pace, speed, distance traveled and can plot your course on a map. The most advanced offer a suite of fitness functions that cater to almost any athlete’s demands.

The most popular GPS sports watches are currently Garmin’s Forerunner line.

Garmin have just released two new upgrades to their most popular models, the Forerunner 405CX (supersedes the Forerunner 405) and the 310XT (supersedes the Forerunner 305).

Perhaps one of the reasons why the Forerunner watches have become such a hit amongst athletes is the strength of it’s fitness features. Forerunner sports modes like “Workouts”, allow athletes the ability to create just about any combination of structured training session one can imagine. The watch’s display can also be heavily customized to show read-outs that include just about any real-time field possible, with the option of cycling through several pages of data-fields in mid session.

The Forerunner workout types include advanced and simple workouts, heart rate and interval workouts. The workouts allow the creation of a structured work out including warm-up, cool-down and in some cases intervals.

The Advanced workout feature is very much like the feature name suggests – it is a watch mode that allows the creation of complex sessions. Unlike the other types of workouts, Advanced workouts structures the workout in a series of steps. Goals at each stage can be configured and the sessions scheduled in the watch’s calendar. The watch will issue a reminder when your schedule for the day is due.

The advanced workout features is handy in the gym, when you might be switching between a number of different apparatus or could be used to create a loosely structure Fartlek running sessions.

The Forerunner will display the name of each step during a current workout, your goal if you have set one and all other relevant workout data. As you near the end of a step, an alarm counts down until the next step begins. The LAP/RESET button can be pressed to end an advanced workout early.

Gadgets For the Home

Gone are the days when men did not buy home gadgets – they married them! There is, of course, an added advantage today. Gadgets for the home come in all forms to suit various kinds of needs and pockets.

Just think. There is a small baby at home. That new bundle of joy needs to sleep soundly for 2 reasons. One is obviously to enable baby to grow properly.The second is not so well advertised, but none the less valid for that. The parents need to catch up on their work and rest. So if you are left (literally) holding the baby for the better part of the day, when do you do either? Particularly when baby loves to wake up just when s/he is being transferred to the cradle or baby cot?

There is a simple solution by way of a new home gadget. It is a hammock which keeps baby sleeping even when being transferred to it. There are many such home gadgets which have gone a long way to make life easier for those who prefer to live in a home rather than a hostel or mess or boarding house. Think of the ubiquitous mixer which is needed for your juices, shakes, pastes and purees. Gadgets for home have gained in sophistication with advances in technology. Be it an energy hub system to monitor your domestic energy consumption or a hygienic door handle or a voice control travel alarm clock, there is a plethora of home gadgets in the market today.

Using a vacuum cleaner is old hat. For many using a robot to push around a vacuum cleaner is also something that’s been around for quite a while. Neato Robotics has a state-of-the-art robotic vacuum cleaner. Using lasers and SLAM technology (simultaneous localization and mapping), this amazing gadget maps the layout of the room even before it starts cleaning. This ensures that it does not bump into objects in the room (though humans often do) while cleaning! It returns to base only when the job is done or when it needs recharging. It also has features like a top loading dust bin, edge detection to keep it from tumbling down stairs and also a programmable schedule to set how often you want the robot to clean. All in all, this must be one of the neatest gadgets for the home in recent years.