For Exposure, Universities Put Courses on the Web

For Exposure, Universities Put Courses on the Web

By D.D. GUTTENPLAN (NYT)

Many universities around the world now offer substantial portions of their courses online, a sign of where the "open education" movement is headed.

Voting, misunderstood

[You're getting this note because you subscribed to Seth Godin's blog.]

This year, fewer than 40% of voting age Americans will actually vote.

A serious glitch in self-marketing, I think.

If you don't vote because you're trying to teach politicians a lesson, you're tragically misguided in your strategy. The very politicians you're trying to send a message to don't want you to vote. Since 1960, voting turnouts in mid-term elections are down significantly, and there's one reason: because of TV advertising.

Political TV advertising is designed to do only one thing: suppress the turnout of the opponent's supporters. If the TV ads can turn you off enough not to vote ("they're all bums") then their strategy has succeeded.

The astonishing thing is that voters haven't figured this out. As the scumminess and nastiness of campaigning and governing has escalated and the flakiness of candidates appears to have escalated as well, we've largely abdicated the high ground and permitted selfish partisans on both sides to hijack the system.

Voting is free. It's fairly fast. It doesn't make you responsible for the outcome, but it sure has an impact on what we have to live with going forward. The only thing that would make it better is free snacks.

Even if you're disgusted, vote. Vote for your least unfavorite choice. But go vote.

10 Products That Fail to Outshine Apple's Offerings

10 Products That Fail to Outshine Apple's Offerings By Don Reisinger November 1, 2010 Apple seems to understand what consumers really need and delivers experiences that make them realize what they were missing. And in the process, it makes competing products look like obsolete alternatives. We list some products that just can't match what Apple has to offer. READ MORE...

Is There a True Killer App for Mobile Financial Services?

Community Commentary

11.01.10

Is There a True Killer App for Mobile Financial Services? As we are all coming down off a sugar high from Halloween candy and settling in for the first week of November, PYMNTS.com has compiled a few answers from a recent Ask the Industry: What do you think is the true mobile financial services "killer app" today? Read More

TOP STORIES
Can TCF Stop Durbin? Capgemini Explores Global Trends with 2010 World Payment Report SteelSeries Partners with PayNearMe to Offer Flexible Cash Payment Choice to Gaming Customers PayPal Innovate: The Future is Already Here MoneyGram International Donates $200,000 for Pakistan Disaster Relief

Briefing Room: Mobile Payment Apps
Visa Opens Platform to Capture Market Share PayPal Innovate: X marks the start World's First Wholesale Marketplace for iPhone and iPad Apps Launches in Open Beta See the rest of this Briefing Room

NFC news in brief • 1 Nov 2010

VeriFone to Bolster Gas Pump Security American Banker s TransArmor payment-tokenization product soon will be available in VeriFone Systems Inc.'s multilane and petroleum point of sale terminals. ... See all stories on this topic »

NFC news in brief • 1 Nov 2010 Near Field Communications World AKBANK PUSHES CONTACTLESS: Akbank has placed a multi-billion dollar order with VeriFone for the supply of 41000 contactless POS terminals to be distributed ... See all stories on this topic » Near Field Communications World

Shares of Lender Processing Services Rank the Highest in terms of Relative ... Comtex Smartrend Visa (NYSE:V) follows with a gain of 2.25% and VeriFone (NYSE:PAY) rounds out the top five with a gain of 2.05%. See all stories on this topic »

Blogs 3 new results for Verifone

I have purchased a verifone credit card machine with no papers ... By admin This is a verifone omni 3200. I have no istruction booklet and need to know if it works or not. Any help would be appreciated. thanks. Copy Life - http://www.copylane.com/

DrStockPick.com Presents News And Updates For VRA, VRNM, PAY and ... By Insurance VeriFone provides expertise, solutions and services that add value to the point of sale with merchant-operated, consumer-facing and self-service payment systems for the financial, retail, hospitality, petroleum, government and ... Finance Blog - http://www.neurosoftware.ro/finance/

DrStockPick.com Presents News And Updates For VRA, VRNM, PAY and ... By The Editor VeriFone Systems, Inc. (NYSE: PAY) and First Data Corporation announced the companies are working together to offer aVeriFone edition of the First Data TransArmor solution to U.S. multi-lane and petroleum merchants. ... Dr Stock Pick - http://drstockpick.com/

Web 4 new results for Verifone

First Data and VeriFone Collaborate on Data Security Solution ... This will enable businesses using VeriFone's MX 800 series of devices, Secure PumpPay and the Ruby point-of-sale (POS) solutions to take advantage of a ... www.forbes.com/feeds/.../2010/.../businesswire147656331.ht...

Akbank Orders 41000 VeriFone Payment Solutions for Deployment ... SAN JOSE, Calif. - (Business Wire) VeriFone Systems, Inc. (NYSE: PAY), today announced a major, multi-million dollar order from Akbank for 41000 VeriFone ... www.earthtimes.org/.../solutions-deployment-throughout-turk...

PayPal X Innovate 2010: VeriFone extends m-payments - The Paypers ... US-based secure electronic payment services company VeriFone is set to expand PayPal payment acceptance in the mobile environment and further integrate the ... www.thepaypers.com/news/mobile...x...m.../742335-16

VeriFone, PayPal dial up mobile payments deal - ICT\cn-c114 ¡ª ... VeriFone, PayPal dial up mobile payments deal,The mobile payments race took an interesting turn. www.cn-c114.net/579/a553822.html

Apple takes the lead in USA smart phone market with a 26% share

Business & Financial News Telecom Egypt Denies Interest in Zain Saudi Arabia Telecom Egypt has refuted media reports and has no interest in bidding for Zain's Saudi Arabian network if it comes up for sale as is widely expected. ... Nawras Shares Rise on First Day of Trading The share price of Omani mobile network, Nawras rose by as much as 4.7 percent on the first day of trading following its stock market listing in Muscat.... Algeria Demands Settlement of Debts and Taxes Before Djezzy Sale The Algerian government will only complete its planned buyout of Orascom Telecom's local subsidiary, Djezzy after Orascom settles its debts and pays back its taxes, ... Network Contracts Alvarion Wins Italian WiMAX Contract Alvarion says that it has won an extension of a previous contract to build a WiMAX network in Italy on behalf of Linkem Spa.... Handsets Apple takes the lead in USA smart phone market with a 26% share In Q3 2010, the worldwide smart phone market grew an impressive 95% over the same quarter a year ago to 80.9 million shipped units. Nokia retained its leadership position, albeit by a diminished margin, with a 33% share of the market. ... Krusell - TOP-10 selling phones for October 2010 The Swedish manufacturer of carrying cases for portable electronics, Krusell, releases its "Top 10"-list for October 2010. ... Legal & Patent News Apple sues Motorola over smart phone patent Apple is suing Motorola for infringing on patents related to its smart phones.... Network Operators Millicom Ghana Launches Mobile Money Service Millicom Ghana - which operates the Tigo network - has launched a mobile money service that will enable Tigo subscribers to send, receive, top up airtime, pay bills, as well as make purchases,... Technology Developments 3G Based Wi-Fi Router for Rural Ares Goes on Sale in the UK The device automatically tests each mobile cell in range to determine the fastest available download speed and configures its aerials to achieve the best possible connection and block any interference.... First CDMA2000 1x Advanced Call Featuring a 4-Fold Increase in Voice Capacity ZTE says that it has successfully completed the world's first CDMA2000 1x Advanced call based on CDMA2000 1x system. ...

WSJ: Morning Update

Vote Hints at Historic Political Volatility KOKOMO, Ind.—Voters this week look set to do something not seen since the early 1950s: Oust a substantial number of sitting House lawmakers for the third election in a row. The apparent Republican resurgence suggests the country is caught in a cycle of political volatility witnessed only four times in the past century, almost all during war or economic unease. The see-saw nature of the nation's politics raises a question: How can the country solve its long-term problems—deficit spending, an underfunded Social Security system, spiraling health-care costs—when voters seem so uncertain which party should lead the charge GOP Set for Gains as Voters Voice Anger Republicans are positioned for large gains, likely retaking the House and picking up seats in the Senate, amid strong voter frustration with Obama and the Democratic-run Congress, according to a WSJ/NBC poll. • See Full Poll Results • It's Not Just Economy That's Driving GOP Tide • Opinion: A Vote Against Dems, Not for GOP Obama Less Lofty as Rhetoric Shifts President Obama closed out his 2010 campaign season in Cleveland with a mocking rebuke of Republicans, in stark contrast to the hopeful rhetoric that marked his 2008 campaign. • Vote for Your Favorite Campaign Attack Ads Stocks Face Dark Side of Gridlock in Capital Investors have bid up shares in anticipation of Tuesday's U.S. election and Wednesday's expected Fed announcement of new quantitative easing. But now that the moment is upon us, Wall Street is worried that it overdid things. • Vote: Did investors bid up shares too much? Consumer Spending Rises a Bit U.S. consumer spending rose a modest 0.2% in September, as incomes unexpectedly fell for the first time in more than a year. • More from Real Time Economics Growth in Profit, But Concerns Over Sales Companies are likely to face a tougher road to profit growth next year, boding ill for new hiring, after posting some of their healthiest profit margins in years in the third quarter. • Now Reporting: Track Earnings • Online Retailers Gear Up for Holidays China, India Manufacturing Surge Manufacturing in China and India continued to surge in October, bucking the trend in the rest of the Asia-Pacific region, where strong currencies and concerns over the health of the global economy are dragging down business sentiment. ICBC Buys U.S. Brokerage Firm Industrial & Commercial Bank of China paid $1 to acquire the Prime Dealer Services unit of Fortis Securities from BNP Paribas. That makes it the first Chinese bank to buy a foreign broker-dealer. • Chinese Banks Branch Out BofA Tries to Untangle Mortgage Files Bank of America employees are slogging through 102,000 foreclosure files, one of the side effects of the bank's 2008 acquisition of Countrywide. • Foreclosure Mess Dogs Regulators Ryanair Lifts Full-Year Forecast Ryanair raised its full-year net profit forecast after reporting a 32% increase in second-quarter net profit as higher yields and increased capacity offset higher fuel costs. Safety Crackdown Hits Mining Profits A U.S. regulatory crackdown that followed an April mining explosion that killed 29 workers in West Virginia is cutting into profits at coal mining companies. New Whistleblower Law Criticized A widening of financial incentives for employees to tell regulators about corporate wrongdoing threatens to increase costs for companies and undermine internal fraud detection efforts, corporate lawyers and advisers say. Enron's Skilling to Seek Release A Court of Appeals panel will hear arguments about how many of the 19 felony counts on which former Enron President Skilling was convicted should be overturned as a result of a landmark Supreme Court decision. Apple Sues Motorola Over Patents Apple sued Motorola alleging the company's smartphone lineup infringes on the iPhone maker's intellectual property. • Digits Live Show: Motorola Surges on Android • Digits: Motorola vs. Apple • Patent Suits Roil Consumer Tech Incentive's End Hits Japan Auto Sales Japan's auto sales marked their biggest on-year drop in 18 month after the expiry of government buying incentives, in another headache for the industry as it struggles to cope with the impact of the stronger yen. Fox, Cablevision Reach Agreement Cablevision and Fox Networks reached an agreement ending a two-week stalemate marked by heated rhetoric, legal actions and missed sporting events. Start-Up Aims at Google Google's dominant position in Web search isn't deterring other entrants. The latest, Blekko, hopes to attract users by narrowing search results. Roche's Plan for Rivals Roche CEO Severin Schwan is preparing the Swiss drug giant for a battle it hasn't faced before: competition from generic copies of its cancer-fighting biotech drugs. 'Saw 3D' Tops Box Office The horror movie "Saw 3D" topped all films at the weekend box office. Michaels Weighs Comeback Plans Former Tribune CEO Randy Michaels is considering a return to the media industry after leaving Tribune amid unflattering accounts of its corporate culture. Tests Loom for BHP-Potash Deal A series of regulator and court decisions in the coming week may guide how BHP Billiton proceeds with its $39 billion hostile bid for Potash Corp. of Saskatchewan. BG Group Approves Queensland Gas Project BG Group announced final investment approval for the first phase of its massive liquefied natural gas project in Queensland state. Cementing, Mainstay of Oil Drilling, Is Prone to Failure Cementing, a crucial step in drilling safely for oil or natural gas, is prone to frequent failures such as the one that led to the Deepwater Horizon disaster in the Gulf of Mexico. • Complete Coverage: The Gulf Oil Spill • Deal Journal: Is Tony Hayward Temasek Bound? • Offshore Contracts Draw Bids Potential Award for Terra Firma Sharply Reduced The potential damages that could be awarded to Terra Firma Capital in its fraud suit against Citigroup has been reduced by almost three quarters, highlighting the risks the case carries for the buyout firm. Troubled Shinhan Faces Challenge Shinhan Financial Group faces a difficult challenge after its latest management shift: finding a new leader with enough credibility to reassure worried investors. Stocks, Dollar in Rare Sync Stocks and the dollar are moving in precisely opposite directions, breaking their usual pattern of trading independently of one another, as investors await word on the Fed's stimulus plans. • Central Bank Watch Gold Bull's Prediction: $10,000 an Ounce Shayne McGuire, a pension-fund manager at the Teacher Retirement System of Texas and author of the book "Hard Money," says his $10,000 outlook for the yellow metal is grounded in logic. • Commodities Watch WORLD Yemen Covert Role Pushed The foiled mail bombing plot by suspected al Qaeda militants in Yemen has added urgency to a White House review of military options that include giving the CIA more control of special operations. • Only Suspect in Plot Is Released • Focus on Cargo Security Steps • Map: Package Locations | More on Yemen Clinton Presses Cambodia on China U.S. Secretary of State Hillary Clinton pressed Cambodia to remain independent of China on key economic and environmental issues, as she continued a pan-Asian tour aimed at expanding Washington's diplomatic influence in the region. Rousseff Elected President in Brazil Dilma Rousseff, a 62-year-old former leftist guerilla-turned-powerful cabinet minister, was elected Brazil's first female president in a lopsided victory. • Photos: Election Day for Brazil • Background: The Making of Dilma Rousseff Okinawa Vote Complicates U.S.-Japan Ties The twists and turns of a key local election in Japan have put a considerable barrier in front of efforts by Tokyo and Washington to strengthen their security ties Medvedev Visits Disputed Island Russia's president visited an island that has long the subject of a dispute with Japan, a move that could cause a major headache for a government already stung by a bitter territorial spat with China. Death Toll in Iraq Church Siege Rises Iraqi security forces stormed a Baghdad church where militants had taken an entire congregation hostage for four hours, leaving at least 52 people dead. Indonesia Volcano Ferocity Swells Indonesia's most volatile volcano—one of 22 that have been increasingly active—spewed searing clouds of gas and debris for hours in its most powerful eruption in a deadly week. • Video: New Indonesia Volcano Alert • Photos: Mount Merapi Spews More Ash • Aid Workers Focus on Disease TECH Facebook Says User Data Sold to Broker Facebook said a data broker has been paying application developers for identifying user information, and that it had placed some developers on a six-month suspension because of the practice. • Previously: Facebook in Privacy Breach • Series: What They Know • Five Aspects of Online Data Privacy Videogames as Free-Speech Issue On Tuesday, the Supreme Court's nine real-life justices will consider whether to strip First Amendment protection from violent videogames that critics say appeal to the deviant interests of children. • 3D Devices Challenge Game Makers Intel Grants Rare Access to Start-Up Intel has agreed to make chips for a semiconductor start-up, the first time the Silicon Valley giant has given another company access to its most advanced production processes. • Chip Watch EBay Attacks Its Clutter EBay is unveiling new elements of an overhaul in how shoppers find products on the site, part of an urgent effort to close a technology gap with rivals. • Online Retailers Optimistic for Holidays

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SPORTS A World Series That's Rich in Character Sports would be a far more amusing place if it relaxed, exhaled and learned a lesson from this lo-fi World Series between Texas and San Francisco. *  *  * Giants Win 4-0 Over Rangers Giants pitcher Madison Bumgarner threw eight shutout innings to lead his team to a 4-0 win over the Rangers and one game away from a World Series title. • World Series Diary: Game 4 Analysis

Phone Recording Sets Off Firestorm in Alaska Employees at a CBS affiliate in Anchorage left an accidental voicemail for an aide to GOP Senate candidate Joe Miller in which they discussed and laughed about the possibility of reporting on the appearance of sex offenders at a Miller rally. *  *  * 3M Balances New and Old 3M is using acquisitions and its own labs to diversify into such areas as biometrics and fuel cells. But the 108-year-old company also has updated one of its original products: industrial-grade sandpaper. *  *  * Memo to Staff: Dump Your Trash Some 20,000 Texas state employees recently got a new task added to their job descriptions: taking out the trash. *  *  * WTC Taps Fuel Cells The six fuel cells that will provide about 30% of the power for towers 3 and 4 of the World Trade Center office complex would make the site one of the biggest fuel-cell installations in the world. *  *  * Rift Shines Light on a Big Player Brooklyn real-estate mogul Rubin Schron is fighting his former lawyer for control of a national nursing-home company. *  *  * Fort Worth Nuns Say This Is Rangers' Year With their beloved team at long last playing in the World Series, two nuns, members of the Congregation of the Sisters of Charity of the Incarnate Word, say they always believed it would happen. *  *  * Shanghai: Most-Visited World's Fair While World's Fairs have demonstrated technological innovations, the first one in China, which ends Sunday in Shanghai, fittingly showcased crowds. • Photos: Record Crowds at Shanghai Expo *  *  * Chemists Seeking 'Legal High' Outfox Law A wave of chemically-savvy European entrepreneurs see gold in the gray zone between legal and illegal drugs.