Now that mobile payment technologies are seeing higher adoption rates, commerce (both on and offline) is adapting fast. More and more, consumers are finding opportunities to utilize a digital wallet from their phone at their favorite stores. Even though this technology is new, there are still dangers to using it without proper security precautions. Here are some tips to help keep your wallet safe.
Protect Your Device
Digital wallets rely on access to your mobile device. Password/fingerprint protecting that device is part of basic security for all of your applications. Wherever possible, you should also enable two-factor authentication as well.
What you browse on actually affects your ability to carry out secure transactions. Make sure you avoid public wifi access, and always make sure you’re browsing on SSL encryption. Most modern mobile browsers support this kind of encryption.
If you’re confused on what all this means, here’s the simple way to look at it: if you didn’t need a password to login to the network, it’s probably not secured. The only exception is when you pay for access, and must browse using a private network.
The final piece of advice is to make sure you’re installing apps you trust. Your digital wallet app is most likely trustworthy, but other apps may not be. Free games and apps are especially prone to phishing attempts. Granting access to these apps can have far reaching consequences, including loss of access to your wallet.
Digital wallets are fast-becoming the ideal choice for moving money around the world. They can be used at checkout stands, and more businesses are beginning to adopt the technology necessary to process transactions with mobile devices. Digital wallets promise a more secure method to move money online and in person, and they are built from the ground up to allow for secure, anonymous transitions of information.
Avoiding Storage Issues
There are many regulations that prevent banks from storing sensitive information about you, so the setup for these systems often requires a great deal of planned anonymity. Visa, for instance, does store personal information on their secure terminals but they are careful to encrypt and send only limited amounts of it. You can imagine only certain elements of information are necessary to identify you as the owner of a bank account. These systems are programmed to send only the necessary information needed to transfer money, including the amount spent or received.
That removes local storage from the equation, so you don’t suffer the liability that comes with processing the transaction.
When a merchant uses such a system, they typically tap into the purchasor’s wallet account, which transfers the necessary money through a secure payment gateway.
Chip cards offer a great deal of improved security features over the magnetic strip, but digital wallets remove the need to store card numbers. Money is moved digitally, transmitted from a mobile device. No card is swiped and only the necessary information exchanged.
It’s not the standard yet, but digital wallets will revolutionize the world of payments.
If you want to build your company through email marketing, there are a variety of strategies that you can implement within your emails that are wildly successful. Here are some of the best strategies from some of the brightest internet marketing minds.
Your company needs a foundation to build on. Start it off on the right foot. While networking to other businesses or prospects, it’s recommended that you are genuine and polite. Acting like a big shot will only hurt your brand and end up with you being labeled as “the top company to ignore”.
Personalize Your Content
People will want to share you content when it has a personalized feel to it. If your email addresses the masses, it takes away from the whole experience. A generic greeting won’t get you very far in today’s marketing times. Instead, try addressing the email to the person by name. You can also include relevant information to their geographic area or even suggest items based on their previous purchases. This can be easily done and doesn’t require a professional to do either.
Impact Their Lives
An email’s content can only go so far. But, by creating a powerful message, you’ll not only increase your sales, but you’re also building a dedicated subscriber base at the same time. Becoming consistent with your email lists will open up new doors and expose your brand to more people through word of mouth. It’s worked for thousands of brands looking to make a name for yourself and it’ll work for you.
Bio: eTargetMedia has been helping clients deliver the best email and postal marketing campaigns for 20 years. Their services include list rentals along with a wide range of creative services. For more information, visit eTargetMedia online today.
Commit yourself to your staff and be the most effective leader that you can be.
A team-oriented environment can contribute to a business’s success. People have long preached about how working as a team can help accomplish overall objectives, but few understand how to develop an effective team.
Being a “team player” involves more than a type of culture in a workplace, it’s about understanding the vision or mission of your organization. Being a part of a team, in the broadest sense, makes one an integral piece of the puzzle.
Executives and management staff members are constantly exploring new techniques to improve business results and profitability. Richard Davis, of Rogers & Cowan, considers himself the “Chief Listener” of the company. Over the years, he’s developed the patience to understand the individual’s needs, the teams’ needs, the clients’ needs, and most importantly, the company’s needs. This has translated into much success as he has developed the tools to recruit the right people for the job as well as successfully retaining them.
If your team improvement techniques aren’t living up your expectations, ask yourself questions so you can pinpoint and adjust specific areas that are lacking.
Have you clearly defined what you expect of your team? What pieces worked, and what didn’t? Are you supporting them enough? Are the team’s efforts being recognized by the executive staff, and if not, what can you do to change that?
It’s also a matter of commitment coming by ways of your staff as well. Do they believe in your team mission? How committed are they when it comes to actually accomplishing the mission?
Written by eTargetMedia.
A company newsletter is a powerful tool for getting your message to potential customers. It can help you with more than just promoting your products or letting people know about special deals. Newsletters can help to establish you as an expert in your field. This is important because customers want to do business with people who know a lot of their industry. Placing yourself as an expert in the minds of your customers can lead to more interest being converted into sales.
So what are things that you can do to build credibility through your company newsletter?
Target the right people. You need to make sure that the messages you are sending out are a good match for the people who will be receiving them. For example, if you are talking about technical information, you want to make sure that it is going to people who are already experts in your field. One way that you can do this is to use email lists that are highly categorized. If your lists aren’t like this already or you need to find new contacts, you can work with a company such as eTargetMedia which has large lists that have been vetted and categorized.
Educate along with selling. While your company newsletter is an opportunity to sell your goods or services, it’s also a chance to give people valuable information they can use regardless of whether they become your customer. If a reader sees that you are presenting them with fresh and interesting content, they will associate you with being an expert in the field.
Find the right tone. You might think that you need a strict and dry tone in your newsletters in order to be seen as an expert. This isn’t the case, as many newsletters favor approaches that leverage humor or a conversational tone to impart knowledge to their readers.
eTargetMedia has been helping clients deliver the best email and postal marketing campaigns for 20 years. Their services include list rentals along with a wide range of creative services.
You can also decide to buy a used safe instead of spending more money on a brand new unit. However, always bear in mind that you have to be doubly conscious about the choices you make. Many used safes for sale look good at first glance but are actually not as dependable as how they are supposed to be. To make sure that you will be getting your money’s worth or more when you are buying used safes, take the following pointers into account:
- Reliability of the Seller – Before choosing the safe you want to buy, ascertain that you are choosing a reputable seller. Safes are not just ordinary appliances. They are security devices meant to contain valuable items. You can’t just randomly choose the seller. Ask for recommendations from people you know who have already bought second hand safes or do some research online.
- Specs – The pre-owned safe you are getting should have specifications that correspond to what the seller advertises. Examine the thickness of the door and walls of the safe. If it has a digital lock, be sure to do some tests to find out if it still works reliably. However, you of course can’t do a test if a safe is fire-resistant. The best thing to do is to avoid fire-resistant safes that have already been exposed to fire. Bear in mind that fire resistance, even in the most durable locks, are only for a limited period of time. Similarly, it’s not going to be easy proving if an advertised burglary-proof safe is indeed burglary-proof. You may have to ask for the assistance of someone who is knowledgeable about safes ori rely on the word of the seller.
- Warranty – Some second hand safes may come with warranties carried over the from the original purchase. Many safes have quite long warranties ranging from ten years to a lifetime. Just be sure to ask the seller if the warranty documents are still available. Some warranties may be associated with the original owner and are non-transferrable so take note of such setup. On the other hand, you may also ask for a warranty from the used safe seller. Many sellers give new warranties for the pre-owned items they offer in case the unit does not come with a manufacturer’s warranty. Don’t expect, however, to have warranties from both the safe manufacturer and the used safe’s seller.
- Free Delivery/Bonuses – Unless you are buying small safes or you have your own vehicle to carry the unit, it’s also worth checking out if the seller offers extra services like free delivery. However, this should not be considered as a major deciding factor. The quality of the safe and its value for the money you spend should still serve as the major points of consideration. Think of free delivery as the deciding factor if you are comparing two or more very similar options. You can also use this as a leverage if you are bargaining for a lower price with another seller.
You will certainly be spending less if you decide to get a used safe. It’s just important to be very careful with your buying decision. Always look for multiple options and do comparisons. More importantly, always do a physical inspection of the unit you are considering to buy.
Written by Colony West
Do you run a business? It is important to protect your company with business insurance. Running a company isn’t easy, and a number of things can derail your progress and prevent you from achieving your goals. To protect yourself from any serious setbacks, it’s a good idea to invest in business insurance Glendale.
Some people simply want coverage for property damages. This can include protection from flood, fire, wind, and natural disasters. This is also the most common business insurance undertaken. Everyone can imagine a natural disaster of some sort and want to be covered. Others want liability coverage. This type of coverage can cover worker’s compensation Glendale in the event of an accident, repair disputes, and employment practice issues. This type of coverage is also the most important. Workers compensation claims can be very damaging to a business.
Without protecting your company with business insurance it’s possible you could lose a lot of money if someone you employ or work with has a case ruled in their favor. The chances of a workers compensation being filed is higher in businesses that involve hard manual labor like factories. As your operation changes and grows, so should your policy. Insurers offer many types of plans to accommodate a variety of individual. No company is too large or too small to be protected with a business insurance.
Need more help? Come get it from Colony West: 555 Riverdale Dr #E, Glendale, CA 91204. Your company shouldn’t have to worry about simply being in business.
For years, Colony West has helped companies just like yours get the protection they need from potential lawsuits, allowing them to operate with more confidence.
Capitalism, in its purest form, is a philosophical ideology that embraces the idea that all people are sinners. Capitalism is a system that enables humans to utilize a sin few of us can escape, our own self-interest, and harness that driving force for the good of everyone. In a purely capitalist system, the root of everything is self-preservation and selfishness.
Selfishness as a Benefit
The idea of self-preservation is a strong underlying ideology in the purist’s ideal of capitalism. We all want to survive; capitalism just enables all of us to work toward our own ideologies. The system is designed to tap into the potential of sin, akin to turning an idea on its head.
Capitalism is frequently perceived as a moral dilemma for this reason. Surely, there must be some pull by God or human morality? In fact there exist no such dilemmas except the ones that humans instill into the debate.
In places like Russia, where information collection for something simple like a payday loan can be extremely invasive, the concept of a “free” market has been taken to the extreme. Clearly, some intervention is required at certain phases of business life, but the pursuit of success leads to many benefits.
Apple, for example, has a ripple effect that moves across the globe. Apple products create jobs all over the world, and satisfy an important need for consumers, all while generating a massive profit. Apple isn’t going to give that money to charity, although some argue the company should. Instead, the company funds development of more products. It selfishly invests in itself, to the benefit of people all over the globe.
Capitalism isn’t the simplest moral concept, but the purity of the idea is frequently obscured or ignored.
Before you launch that new campaign, are you considering how your customer might utilize a mobile device versus how they browse on desktop? Desktop display advertising requires careful consideration of time of day, keywords and information about the target demographic. Mobile utilizes some of that data as well , but it can bring your efforts even more granularity.
The intent of a user on mobile is far more important than the intent on desktop. Mobile users, depending on location, may be comparison shopping or looking for the next location to visit.
A mobile user has very different browsing habits than a desktop user, and recognizing those differences will be essential in building successful campaigns.
The Primary Difference Between a Desktop and Mobile User
The primary difference is intent. But it is important to understand more than just what the user wants in a specific instance. One example is how location drives intent. With new hyper-localized mobile marketing technology, advertisers can bid on actual latitude and longitude coordinates to target ads to a more precise audience. Clothing stores can compete by telling customers about hourly sales, while restaurants can present ideas for lunch to entice new visitors.
How a user utilizes mobile can also change behavior. If the user is using Facebook, for instance, she may be hanging out with friends or shopping. The intent is less clear, which makes it harder to bid. That’s one danger with applications, although users tend to utilize apps because they provide a smoother experience. Intent drives every action a user takes on mobile, so considering the state the user is in before you place a bid is key.
Bio: Ted Dhanik is driven by a passion for desktop and mobile advertising technology. Since the early 2000s, Ted Dhanik has utilized display and rich media advertising to grow businesses around the world. Ted Dhanik is the CEO and co-founder of engage:BDR, a digital media firm in Los Angeles.
Any time the government wants to start a new public works project, fund some new initiative or roll out a new program of any kind it needs money. It can literally print money, but that devalues the dollar. A system needs to be in place that allows the government to buy and sell loans like a bank. Except the government is actually three entities. The federal, state and local governments each issue bonds.
If we examine the debt from 2004, which was near $7 trillion, we notice that not all of that debt was held by investors in the form of bonds. About half of that debt was held in reserve, with no major implications for the economy.
Foreigners can hold American debt, and held about 25% of it during that time. The remaining debt was held by private investors with a set maturity date. By default, bonds mature in just a few months. They can be extended for many years, up to 30. This term represents the length of time that can pass before a bond is repaid, but the public usually doesn’t discuss bonds this way.
We tend to measure bond spending (borrowing) based on the rate of inflation.
Inflation can dramatically alter the debt, even though inflation is akin to measuring an on-paper loss. If we try to examine something simple, like a can of soda, then a bond represents how many cans of soda we can buy on the market. If the value rises, or inflates, then the soda cans we can buy decrease. So inflation, while not reflective of real value, influences real value because we tend to think in the present moment.
About the Author: Samuel Phineas Upham is an investor at a family office/ hedgefund, where he focuses on special situation illiquid investing. Before this position, Phin Upham was working at Morgan Stanley in the Media and Telecom group. You may contact Phin on his Samuel Phineas Upham website or Twitter.