Making Money Through

Come next Tuesday, Michael D. Brown may well unseat incumbent Council member Phil Mendelson (D-At Large) because many voters think he's actually Council member Michael A. Brown (I-At-Large). But to fight the impression that he's simply riding the confusion over a name to office, Brown has put up some campaign signs around town and raised over $23,000 in campaign funds. Well, $15,000 of that was a personal loan from himself to the campaign, but hey, at least he's going through the motions.

Yesterday, Brown sent out an email to friends and supporters claiming he was close to making history, but he really needed their help to seal the deal. The email, in full:

Dear Friends;

We are in the final stages of what has been an amazing campaign. I started 10 weeks ago with no money and a few friends like you, and last week a city wide Washington Post Poll showed that I am ahead of the incumbent by 12 points among likely voters. If I win, I will make history. My opponent has spent over $200,000.00 outspending me 20 to 1. He has run TV commercials against me paid for by a political action committee funded with money from a DC businessman and has mailed and handed out tens of thousands of flyers against me. He is supported in this effort by the leading candidate for Mayor and several members of the City Council. All I have is you. Next Tuesday, September 14 is election day. My opponent will surely have people at every polling place handing out his literature and campaigning for him. I need your help now more than ever. If you can spend even a hour or two at a polling place for me, please let me know. I am working so hard and I have come so far. The friends and family that have stood up for me against great odds have made all this possible. It is incredible to me that we have accomplished so much. I know it is a lot to ask, but we are so close and we have so little resources I need your help in this final hour. If you can come to a polling place please respond to this e-mail as soon as possible. We will provide you with materials and assign you a convenient location by your home or office, Thanks for getting me this far. No matter what happens, I have been humbled by your love and support.

"Make history"? "Working so hard"? "We have accomplished so much"? Look, we know that Mendelson was hoping to cruise to victory on little more than his own name recognition, but at least there was no confusion as to which Phil Mendelson people would be voting for. And Clark Ray -- who we spoke to this week -- has actually run a campaign, spending the better part of a year raising over $150,000 and actually challenging Mendelson on the issues. Brown, well, not so much.

Sure, history will be made -- but it might be the type of history that you'd soon rather forget.

This post originally appeared on the American Express OPEN Forum, where Mashable regularly contributes articles about leveraging social media and technology in small business.

Mobile payments are the logical extension of online shopping; a way for customers to buy what you have while they’re on the go. But the technology has some added perks that make it a powerful purchasing tool for small businesses.

There are a lot of resources and articles out there telling businesses to pay attention to location-based networking or to maximize their social media presences, but there is a lack of information on the monetary benefits of these investments. Mobile payments, however, are a great way for businesses to make money.

It should be noted, there are two related fields of mobile payment: First, using your phone as a credit card in-store, and second, paying while on the go. We’ll be focusing largely on the latter.

Below is just a selection of reasons that small businesses should care about mobile payments. Add your voice to the comments below: Is this just another fad? Are mobile payments still years away? Why has North America been so slow to adopt?

It’s Going to be Everywhere/>

We already use our phones for everything: Calling, texting, surfing the web, video chats (thank you, Phone), and updating our social networks. class='blippr-nobr'>Societyclass="blippr-nobr">society, by and large, has grown accustomed to using phones for daily activities. Why shouldn’t instant purchasing be added to that list?

Total worldwide mobile payments stood at USD $68.7 billion in 2009, according to a study from Telecoms Market Research. That number is predicted to rise by more than 800% in the next four years. Simple, DIY credit card processing solutions, like the Complete Credit Card Solution and Square, have already hit the iPhone market, and more services are expected in the future for all platforms.

Social Impulse/>

Phones are inherently social, and advanced functions like geo-location are making it easier for users to connect with others in their networks to share consumption habits and recommendations. Location-based services, for example, enable users to recommend their favorite restaurants, shops and others venues. And group buying sites like Groupon have expanded the possibilities for quick, social purchases.

By adding a mobile payment option, small businesses can capitalize on these peer recommendations with a purchase. Rather than direct your customers to an online shop site or have them note it down for later, they can instantly buy your product.

Mobile payments take advantage of impulse purchases; essentially when you buy something based on spur-of-the-moment decision making. class='blippr-nobr'>Impulseclass="blippr-nobr">Impulse buys are usually associated with emotional reactions to a product. They are partly why ringtone sales have been so successful. Like a tone? You can often download it instantly with just a couple clicks, no secondary sites necessary. Make sure your customers are able to buy your product the instant they want it.

Micro-Transactions/>

The real heart of small business mobile payments is the micro-transaction. Paying less is generally better than paying more. People are also more willing to pay frequent small payments rather than throw down a lump sum. Using ringtones as an example, more people would pay $1 for several ringtones than shell out $5 in one go for five ringtones.

Small business can follow this trend by selling less-expensive goods online, as smaller goods could be a real hit for the mobile payment crowd. Customers can more easily rationalize those smaller purchases and drive more sales to your business.

Another perk for biz owners is that mobile transaction fees are usually less than credit card fees. Sales through mobile could save you a small amount on every purchase.

Customer Data/>

Mobile payments enable merchants to collect data in much the same way as your everyday credit card purchases. Adding mobile payments to your business can help keep track of customer phone numbers, buying histories, and any other necessary information. Having this extra source of data about customers and their purchasing habits will enable you to offer more targeted and relevant deals, discounts and products to specific purchasers.

Collecting data can be a bit tricky, since it gets into privacy rights and issues (e.g., Facebook privacy concerns), so make sure your business is aware of how you can and cannot use customer information.

Regardless of your purposes, whether it be data, profit, or social loyalty, mobile payments are definitely an area for small businesses to watch.

More Business Resources from Mashable:

- HOW TO: Choose the Best Workspace for Your Business/> - 5 Winning Social Media Campaigns to Learn From/> - 10 Emerging Social Platforms and How Businesses Can Use Them/> - 10 Free WordPress Themes for Small Businesses/> - 8 Funding Contests to Kick Start Your Big Idea

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, photo_smart

For more Business coverage:

class="f-el">class="cov-twit">Follow Mashable Businessclass="s-el">class="cov-rss">Subscribe to the Business channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

Bad <b>News</b> for Feingold

"There are a lot of blogs and news sites claiming to understand politics, but only a few actually do. Political Wire is one of them." -- Chuck Todd, NBC News political director "Concise. Relevant. To the point. Political Wire is the ...

Eric Boehlert: Fox <b>News</b> Has a Christine O&#39;Donnell Problem

Why? Because now Fox News has to explain to viewers why O'Donnell is ready to serve in the US Senate even though she's not ready to appear on Fox News Sunday. Awkward.

More Fallout Online art dribbles out MMO <b>News</b> - Page 1 | Eurogamer.net

Read our MMO news of More Fallout Online art dribbles out.

robert shumake

Bad <b>News</b> for Feingold

"There are a lot of blogs and news sites claiming to understand politics, but only a few actually do. Political Wire is one of them." -- Chuck Todd, NBC News political director "Concise. Relevant. To the point. Political Wire is the ...

Eric Boehlert: Fox <b>News</b> Has a Christine O&#39;Donnell Problem

Why? Because now Fox News has to explain to viewers why O'Donnell is ready to serve in the US Senate even though she's not ready to appear on Fox News Sunday. Awkward.

More Fallout Online art dribbles out MMO <b>News</b> - Page 1 | Eurogamer.net

Read our MMO news of More Fallout Online art dribbles out.

Come next Tuesday, Michael D. Brown may well unseat incumbent Council member Phil Mendelson (D-At Large) because many voters think he's actually Council member Michael A. Brown (I-At-Large). But to fight the impression that he's simply riding the confusion over a name to office, Brown has put up some campaign signs around town and raised over $23,000 in campaign funds. Well, $15,000 of that was a personal loan from himself to the campaign, but hey, at least he's going through the motions.

Yesterday, Brown sent out an email to friends and supporters claiming he was close to making history, but he really needed their help to seal the deal. The email, in full:

Dear Friends;

We are in the final stages of what has been an amazing campaign. I started 10 weeks ago with no money and a few friends like you, and last week a city wide Washington Post Poll showed that I am ahead of the incumbent by 12 points among likely voters. If I win, I will make history. My opponent has spent over $200,000.00 outspending me 20 to 1. He has run TV commercials against me paid for by a political action committee funded with money from a DC businessman and has mailed and handed out tens of thousands of flyers against me. He is supported in this effort by the leading candidate for Mayor and several members of the City Council. All I have is you. Next Tuesday, September 14 is election day. My opponent will surely have people at every polling place handing out his literature and campaigning for him. I need your help now more than ever. If you can spend even a hour or two at a polling place for me, please let me know. I am working so hard and I have come so far. The friends and family that have stood up for me against great odds have made all this possible. It is incredible to me that we have accomplished so much. I know it is a lot to ask, but we are so close and we have so little resources I need your help in this final hour. If you can come to a polling place please respond to this e-mail as soon as possible. We will provide you with materials and assign you a convenient location by your home or office, Thanks for getting me this far. No matter what happens, I have been humbled by your love and support.

"Make history"? "Working so hard"? "We have accomplished so much"? Look, we know that Mendelson was hoping to cruise to victory on little more than his own name recognition, but at least there was no confusion as to which Phil Mendelson people would be voting for. And Clark Ray -- who we spoke to this week -- has actually run a campaign, spending the better part of a year raising over $150,000 and actually challenging Mendelson on the issues. Brown, well, not so much.

Sure, history will be made -- but it might be the type of history that you'd soon rather forget.

This post originally appeared on the American Express OPEN Forum, where Mashable regularly contributes articles about leveraging social media and technology in small business.

Mobile payments are the logical extension of online shopping; a way for customers to buy what you have while they’re on the go. But the technology has some added perks that make it a powerful purchasing tool for small businesses.

There are a lot of resources and articles out there telling businesses to pay attention to location-based networking or to maximize their social media presences, but there is a lack of information on the monetary benefits of these investments. Mobile payments, however, are a great way for businesses to make money.

It should be noted, there are two related fields of mobile payment: First, using your phone as a credit card in-store, and second, paying while on the go. We’ll be focusing largely on the latter.

Below is just a selection of reasons that small businesses should care about mobile payments. Add your voice to the comments below: Is this just another fad? Are mobile payments still years away? Why has North America been so slow to adopt?

It’s Going to be Everywhere/>

We already use our phones for everything: Calling, texting, surfing the web, video chats (thank you, Phone), and updating our social networks. class='blippr-nobr'>Societyclass="blippr-nobr">society, by and large, has grown accustomed to using phones for daily activities. Why shouldn’t instant purchasing be added to that list?

Total worldwide mobile payments stood at USD $68.7 billion in 2009, according to a study from Telecoms Market Research. That number is predicted to rise by more than 800% in the next four years. Simple, DIY credit card processing solutions, like the Complete Credit Card Solution and Square, have already hit the iPhone market, and more services are expected in the future for all platforms.

Social Impulse/>

Phones are inherently social, and advanced functions like geo-location are making it easier for users to connect with others in their networks to share consumption habits and recommendations. Location-based services, for example, enable users to recommend their favorite restaurants, shops and others venues. And group buying sites like Groupon have expanded the possibilities for quick, social purchases.

By adding a mobile payment option, small businesses can capitalize on these peer recommendations with a purchase. Rather than direct your customers to an online shop site or have them note it down for later, they can instantly buy your product.

Mobile payments take advantage of impulse purchases; essentially when you buy something based on spur-of-the-moment decision making. class='blippr-nobr'>Impulseclass="blippr-nobr">Impulse buys are usually associated with emotional reactions to a product. They are partly why ringtone sales have been so successful. Like a tone? You can often download it instantly with just a couple clicks, no secondary sites necessary. Make sure your customers are able to buy your product the instant they want it.

Micro-Transactions/>

The real heart of small business mobile payments is the micro-transaction. Paying less is generally better than paying more. People are also more willing to pay frequent small payments rather than throw down a lump sum. Using ringtones as an example, more people would pay $1 for several ringtones than shell out $5 in one go for five ringtones.

Small business can follow this trend by selling less-expensive goods online, as smaller goods could be a real hit for the mobile payment crowd. Customers can more easily rationalize those smaller purchases and drive more sales to your business.

Another perk for biz owners is that mobile transaction fees are usually less than credit card fees. Sales through mobile could save you a small amount on every purchase.

Customer Data/>

Mobile payments enable merchants to collect data in much the same way as your everyday credit card purchases. Adding mobile payments to your business can help keep track of customer phone numbers, buying histories, and any other necessary information. Having this extra source of data about customers and their purchasing habits will enable you to offer more targeted and relevant deals, discounts and products to specific purchasers.

Collecting data can be a bit tricky, since it gets into privacy rights and issues (e.g., Facebook privacy concerns), so make sure your business is aware of how you can and cannot use customer information.

Regardless of your purposes, whether it be data, profit, or social loyalty, mobile payments are definitely an area for small businesses to watch.

More Business Resources from Mashable:

- HOW TO: Choose the Best Workspace for Your Business/> - 5 Winning Social Media Campaigns to Learn From/> - 10 Emerging Social Platforms and How Businesses Can Use Them/> - 10 Free WordPress Themes for Small Businesses/> - 8 Funding Contests to Kick Start Your Big Idea

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, photo_smart

For more Business coverage:

class="f-el">class="cov-twit">Follow Mashable Businessclass="s-el">class="cov-rss">Subscribe to the Business channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

robert shumake

Bad <b>News</b> for Feingold

"There are a lot of blogs and news sites claiming to understand politics, but only a few actually do. Political Wire is one of them." -- Chuck Todd, NBC News political director "Concise. Relevant. To the point. Political Wire is the ...

Eric Boehlert: Fox <b>News</b> Has a Christine O&#39;Donnell Problem

Why? Because now Fox News has to explain to viewers why O'Donnell is ready to serve in the US Senate even though she's not ready to appear on Fox News Sunday. Awkward.

More Fallout Online art dribbles out MMO <b>News</b> - Page 1 | Eurogamer.net

Read our MMO news of More Fallout Online art dribbles out.

robert shumake

Bad <b>News</b> for Feingold

"There are a lot of blogs and news sites claiming to understand politics, but only a few actually do. Political Wire is one of them." -- Chuck Todd, NBC News political director "Concise. Relevant. To the point. Political Wire is the ...

Eric Boehlert: Fox <b>News</b> Has a Christine O&#39;Donnell Problem

Why? Because now Fox News has to explain to viewers why O'Donnell is ready to serve in the US Senate even though she's not ready to appear on Fox News Sunday. Awkward.

More Fallout Online art dribbles out MMO <b>News</b> - Page 1 | Eurogamer.net

Read our MMO news of More Fallout Online art dribbles out.