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)

Proper Use and Care of a Boat’s Electrical System

By the time a boat gets a few years old, it will probably have a number of things in the electrical system that need to be updated or replaced. When an insurance surveyor comes along, he may end up handing the owner a long, and costly, list of things that need to be corrected.

An electrical system for a boat is much different than that of a house or even a car. Sea water is a fair conductor of electricity. Therefore, there are some additional rules on the materials and methods of installation when it comes to boats.

Materials & Equipment – It is important that only equipment and materials rated for marine application be used. The American Boat and Yacht Council has very stringent standards for this. Things like common household wire and wiring devices, as well as electrical equipment and appliances should not be used on boats. These things are not properly constructed, insulated or grounded and could either start a fire, or worse, result in an electrocution. Federal regulations require that all electrical devices that are used in the engine compartment or bilges be "ignition protected" means that they will not create a spark that can cause a fire or explosion.

Buying Older Boats – When buying a used or older boat, one of the things to pay close attention to is how much rigging and alterations there are in the electrical system. Sometimes there are quite a bit. In most cases, the owner may not even be aware of why things are constantly breaking down. Usually he blames it on the pump or motor when actually faulty wiring is the problem. You should be aware that on boats with poor electrical systems, the cost of straightening it out can be pretty high.

Electrical systems do not last forever. Over time boat systems degrade, particularly when it comes to the effects of corrosion. It is recommend that a boat have an electrical system survey once every 5 years. This does not take long and does not cost a lot of money. In fact it may save you hundreds of dollars in unwelcome headaches. In most cases, the survey will reveal the effects of damage which may need to be cleaned up, along with a few minor repairs. The advantage is in not allowing these problems to accumulate to the point that it becomes a big, costly job.

Adding New Equipment

Most boats, particularly smaller ones, are not designed with the idea of ​​adding new equipment, even though nearly everyone does. But the primary reason why systems get so messed up is a result from the attempt to force something in where there is no provision made for it.

How to Become a Successful Fashion Designer

If you are like me you live and breathe fashion. You are constantly inspired with so many new designs racing through your mind, so many you can’t seem to get them all down quick enough at the pace they arrive. You constantly dream of the day your fashions will be on the fashion runway with the lights beaming brightly overhead, the cameras flashing everywhere and the audience being completely mesmerized by your incredible designs. You can’t stop thinking of the day you will open a magazine or watch the Oscars and see a famous celebrity in one of your breathtaking designs. Your book shelf is stocked with fashion books and magazines, and you absolutely can’t resist visiting textile stores to view all the latest fabrics, decorative beads, rhinestones and trims.

It’s this ever present dream of being a successful fashion designer that has you work day and night on your designs in most cases for many years without pay and working a job to pay the pills which is brutal torture, when all you can think about is living and working in fashion.

Famous fashion designers come from all walks of life there is no one system to follow that will have you become the next famous fashion designer. Some have graduated from elite fashion schools and some have never attended fashion school. Some have undertaken a fashion internship with a fashion house and others have made their own designs in their basement. The only elements all these fashion designers have in common is they had an intense passion for fashion, were able to design fashions highly sought after and connected with someone who gave them the opportunity to break into the fashion industry. It is essential in becoming a successful fashion designer you get you and your designs out there as much as possible, as how will anyone know about your fashions if they can’t see them?

In getting your fashions out there here are a few things you can do:

1. We are not usually good at everything some of us are great at designing clothes but lack the sewing and pattern making skills. It is here you can partner with someone who shares your passion for fashion and has the skills you lack. It is in the bringing together of different skills you can create a real product that can be showcased.

2. In having a fashion line of 14 outfits you can apply to your local fashion week. In the USA: New York, Los Angeles and San Francisco all have fashion weeks. These fashion weeks attract many editors, journalists and local socialites who will see your fashions and potentially give you the exposure you need to get known.

3. Many city night clubs hold fashion shows, find out what night clubs hold fashion shows and contact them as to how you can be apart of an up and coming show.

4. Locate fashion boutiques that cater to the fashions you design, first make a trip to the stores to look around, if you can see your clothes fitting in well with the store, find out who the owner is and ask if they would be willing to have some of your fashions offered for sale in their store. You will be amazed at how many store owners are willing to work with you. I walked around San Francisco in the Nob Hill district and had my fashions placed after visiting and discussing my product with four boutiques. In having your fashions displayed you will receive valuable insights as to whether or not your designs are in demand and if you need to change your designs to increase sales. It will also give you free exposure to the public. When your fashions do sell you can present this to investors who are more than willing to invest in your line, when you prove the existence of a strong demand for your fashions.

5 Tips for A Creative Retail Branding and Design Strategy

Quality retail branding is meant to connect businesses with customers in a way that builds trust and desire in the consumer for the brand and their product. Branding has been around since ancient times (from Roman columns to Chinese stamps), but modern commercial branding is a new phenomenon. People are more involved with brands than ever, locally and globally, to the point where two golden arches are immediately recognizable by almost everyone around the world, without any words in the picture.

In the complex world of retail, which is composed of multiple elements and disciplines, a consumer can see connections, or a lack of connections, between all the different aspects of retail at a glance. And that is where design comes in. Retail branding and design aims to create a harmonious and holistic schema out of all of the elements of retail, from personnel to product presentation. Design is not just about looks, but about function. Without a good branding and design strategy, retail stores are a mishmash of unrelated ideas that can confuse and put off potential customers.

Design your layout based on traffic flow:

When customers enter the store, where do they look? Which way do they go? Position your best products in areas where customers are more likely to notice them. Pedestrian traffic is often influenced by vehicular traffic. That is, in areas where people drive on the right side of the road, in-store traffic patterns tend to move in a clockwise pattern. Use these patterns to your advantage.

Create a focal point in your visual displays:

Don’t just bring attention to anything and everything in the store, but draw customers in by featuring one item prominent, whether that’s in a window display or in the middle of your store. Strategically position lights and other items to point to your featured product and avoid distracting customers by putting equal weight on too many items at once.

Make window effects:

Windows make small spaces look larger and more inviting. Creating windows in the walls separating two rooms can give the entire building a more airy ambience, or creating visual illusions of windows such as white panels or drapes around mirrors, can also create a window effect, increasing the feeling of light and movement, especially if you are in a small space.

Avoid clutter:

Clutter feels noisy and uncomfortable for customers. Don’t overload your customer’s visual circuits with signs and patterns and displays galore. Instead, use neutral colors for larger items and accent the space with smaller items with brighter colors, and do not place your merchandise too closely together.

Use lighting to your advantage:

Lighting is important in any shop, and especially so in small corners. Make sure that your store is well lit, or else you will not be making good use of your space – customers don’t usually prefer to wander into dark, shadowy areas, so any merchandise displayed there will not receive a fair consideration. Use a combination of different lights to keep the space illuminated and to add variety and interest to the space.