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Mobile payments industry has been focusing their attention on smart phones with near field communications technology.

An Austrian company however has developed a way for debit card users to avoid reaching for their pockets totally.

This is an innovative idea and a much safer way to handle cash related issues.

LAKs new Watch2Pay product is a creative effort which has EMV chip inside the black wristwatch which can be used by waving on the point of sale terminal which accepts a MasterCard.

This deal also includes a full size debit card with magnetic strip so the person wearing the wristwatch can use it with the same account if EMV option is not available. Its a security feature that ensures that the user is well protected and the users account is safe. Furthermore, cash loss it limited.

LAKS are selling their watch and registering their debit card in United Kingdom and Poland through their website watch2pay. Kalixa, a MasterCard issuer is the companys partner for account management.

Kalixa accounts also provide free cash reloads on Barclays Banks in UK without any international transaction fee.

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Economy watchdog Tim Iacono touts Bill McBrides blog, Calculated Risk, as a reliable resource for housing market predictions, and McBrides latest post The Housing Bottom Is Here has Iaconos attention. Iacono notes that McBrides blog was one of the few that identified and provided warning for the 2004-05 housing bubble that lifted Southern California home prices only to watch them plummet, giving supposed credence to more current predictions. Much like McBride in his own blog, however, Iacono stops short of suggesting that he, McBride or anyone else can predict what will happen in todays U.S. housing market.

While the debate about whether the U.S.

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[Note: The following is a guest post by Norm Klatt, Senior Vice-President at Concentra Financial, which made a winning bid of $5,000 in the Bloggers for Charity initiative. I thank them for the generous donation to charity.]

In today’s uncertain economic times, there’s value in taking a closer look at a group of reliable financial institutions that are operating within an under-utilized and largely misunderstood alternative business model. These organizations, which began in December 1900, are positioning themselves to re-assert their differences and become more prominent in the financial industry.

This alternative business model is a co-operative; the institutions are credit unions.

Adhering to a basic philosophy that the most important business strategy is to serve the member/owners has enabled credit unions to develop into the competitive organizations they are today. Understanding of, and adherence to, the co-operative principles is the raison d’etre for Canada’s credit unions.

If you weren’t already aware, 2012 has been designated International Year of Co-operatives by the United Nations. What bett

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This report is for Active for Sale and Sold statistics for homes and condos in Laguna Niguel . This article is generated by the realtor professionals at eVantage Real Estate here in Orange County, CA. Today, there are 140 detached homes for sale, which have a median price of $795,000 with an average price per square foot of $341 . These homes are priced from a low of $399,000 for a 3 bedroom, 2 bath, 1,190 square foot home situated in the subdivision tract called Crown Valley Highlands . On up to a maximum price of $6,900,000 for a fine home boasting of 5 bedrooms, 8 baths, with 11,000 square feet of living area, which is located in the Bear Brand Ranch Custom Tract.

For properties currently under contract in Laguna Niguel there are 92 detached homes in escrow, with a median value of $599,000 . These detached homes range in price from a low of $349,000 for a 2 bedroom, 3 bath, 1,326 square foot property located in the Del Prado Villas Tract.

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Cardholders with an Ink business card, such as Ink Cash or Ink Bold can now track business expenses, tag purchases and more while on-the-go with the new phone app, Jot. This app is available only for Ink from Chase customers and is customizable, giving small business owners a way to save time over traditional expense-tracking software. Jot works with all iPhones and Android phones and offers a range of benefits.

So how does Jot work? When a purchase is made with an Ink card an alert is received. Alerts come from all cards and employees tied to the account. When an alert is received the user may then tag the purchase. Custom categories may be used, such as a job number or a customer’s name. Purchases can also be split between multiple tags for items that fit into many categories. The user may then go online to access Jot. From here, it’s easy to create spending reports by date, amount range, category or tag. Rep

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