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January 2012

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Windows 8 coming soon

Microsoft says its new operating system may be on the market by fall of 2012.

Windows 8 has a dramatically different look and feel. It will be flexible enough to accommodate new tablet devices as well as more traditional PCs that use keyboards and mice. The system will compete with Apple's iPad. Microsoft says it has sold nearly 450 million copies of its previous operating system, Windows 7.

Microsoft's "Metrointerface" streams a continuous selection of news, photos, emails and headlines in a mosaic of square and rectangular tiles,

The company is calling for app developers to work with the new software. It gave 5,000 Samsung-made tablets, running an early version of Windows 8, to developers attending a recent San Francisco conference.

Windows 8 applications will be distributed through an online app store.

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Map Listing HSS Members

Have you visited our member's map from Google Maps? See the current members of our team and where they are located. See who is near you. Click on link or graphic below...

http://homesecretary.com/hssmap.html

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Click-to-call website buttons bring sales

One big health products company spent millions annually for online marketing. But the results weren't great. Less than 3 percent of those who clicked on the online ads went on to place an order.

They discovered that the percentage went up considerably if the prospective customer spoke with a person who could explain a product and how it was used. Those calls resulted in 20 percent of clients placing an order. The company signed up with Marchex, an organization selling mobile advertisements that automatically connects smartphones to a call center.

With this program, and others like it, cellphone customers can instantly go from an online search engine ad to a human being. With the human connection, browsing customers turn into paying customers who order more in the future.

Google also has an ad program for cellphones. The click-to-call program evolved from a stepchild project into a major initiative. An estimated 500,000 customers now use it, say technology experts at Bloomberg Businessweek.

When a smartphone user visits a website with advertising, or searches Google, the ad or website can include a phone number. When the user clicks the number, their phone dials the seller. Marchex and Google only charge advertisers for calls that are of a certain length, filtering out telemarketers and wrong numbers.

Some companies are increasing their number of such ads, but the plan doesn't work out for everyone. Other companies didn't like it and quit.

Both Google and Marchex sell similar ads for desktop PCs, but customers have to pick up the phone and dial instead of clicking. The companies are working on a way to route PC-based calls so callers speak directly through their computers.

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Protect your hearing for a lifetime,
no matter what your age may be

Whether a person is 10 years old, 40, 60 or older, it's not too soon, or too late, to protect hearing, one of the vital five senses.

These are some easy ways to do it:

* Get some quiet, if only for a short time, and give your ears a rest. Whether you're working with loud equipment, listening to music or watching TV, turn off the noise and have a few minutes of quiet time.

* Check your headset. High volume can cause permanent hearing damage. Turn it down if you can't hear people speaking to you. Never turn volume up to block out noisy surroundings. Seriously limit high-volume listening.

* Move back from the stage. At a concert, music club or karaoke bar, take a seat that is a safe distance away from amplifiers and speakers.

* Spend less time in loud environments. Whether it's a construction zone, a party with loud music, or a stock car race track, the longer you stay, the harder it is on your hearing. Any time you have to shout to be heard, it's too loud. Avoid loud music in the car.

* Wear hearing protection. When you know an event will be loud, wear foam, silicone or premolded earplugs. They are all effective because they must have a noise reduction minimum of 9 decibels.

Wear them while using the garden tractor, chain saw, air compressor or any loud equipment.

* High fidelity protections reduce all frequencies equally. Though there are several brands available, Hearos High Fidelity Long Term Use lets you hear all the highs and lows in an entire jam session while your ears receive up to 20 decibels of noise protection, and they are comfortable to wear. Users say the music is more enjoyable.


Please welcome new HSS members: | Please welcome new HSS members:

Nancy Sain, Long Beach, California, USA

Donna M. Haymes, Philadelphia, Pennsylvania, USA

Ruby R. Thompson, Dayton, Ohio, USA

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Sharon Forsman, Leland, North Carolina, USA

Paulette R. Sylvester, San Mateo, California, USA

Louise Albert, Staten Island, New York, USA


"Tommorow's forcast calls for long underwear, followed by thermal underwear."
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"Your wife says you were married for 50 years and now you want to communicate?"

Easier student loan repayment plans to begin

Beginning January 1, 2012, a program, titled "We Can't Wait," will give students more time to wait on paying back their student loans.

The program modifies the federal government's "income-based repayment" plan, which allows qualifying students to pay back loans using a monthly percentage of discretionary income.

Currently, eligible students can cap their loan payments at 15 percent of their discretionary income. The new plan lowers that to 10 percent.

The plan will also forgive the balance of eligible student's debt after 20 years of payments, as opposed to 25 years, which is what current law allows.

You can't ignore a federal student loan debt, because your wages could be garnished, your tax refunds withheld, and your credit score will plunge. Other solutions to the problem that could be considered:

Reducing payments. The standard term is 10 years, but federal student loans can be extended to 25 years. To qualify, you must owe at least $30,000 to a Direct Loan program or a Federal Family Education Loan Program lender. Of course, over this longer period, you will pay far more interest.

Graduated repayment. You pay interest only for up to four years. After that, your payments will gradually increase so you pay the loan off in 10 years. Interest will be much less than if you extend the loan to 25 years. In spite of these benefits, the program is underused, according to the Institute for College Access and Success.

Postponing payments. For graduates who are out of work or have a lower-than-expected salary, default is avoidable. Federal student loan borrowers who are experiencing hardship can have their loan payments deferred for up to three years.

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Book Review

How to discover what's missing in a great plan

Matthew May's bestseller, In pursuit of Elegance: Why the Best Ideas Have Something Missing, shows how to do more with less.

Stanford University professor Robert Sutton raves, "What a masterpiece. The definitive guide to the 'less is more' mind-set. I meant to only take a quick glance at it, but once I started reading, I couldn't stop. In a world where everything keeps getting complicated and overwhelming, Matthew May shows us that if we start looking for things to take out, things to stop doing, and intelligent shortcuts, we will all be happier, do superior work, and live in a better world."

"Elegance" is characterized by four key elements: seduction (engaging the intelligence by limiting information), subtraction (taking away excess), symmetry (the beauty of patterns) and sustainability (maintaining limited resources).

May shows how various events, products and people capture our attention and imaginations, and examines the elements behind many innovative fields ranging from physics and marketing to design and popular culture.

In his easy-reading style, May gives the answers to such questions as: "What made the Sopranos finale one of the most-talked about events in television history?" and "Why is sudoku so addictive and the iPhone so irresistible?"

The author makes a case for doing more with less by optimizing the expenditure of one's assets and resources. That's something anyone can and should put into practice.

In pursuit of Elegance: Why the Best Ideas Have Something Missing by Matthew May, Broadway, 2009.


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E-book prices for best-sellers
are up, here's why

As sales of hardcover books fall, publishing companies have to find a way to cover their costs. One says that if e-book prices land more often at 99 cents, fixed costs are a big problem.Kindle ebook

Publishers have found a way to sell their e-books and still make a profit. You may have noticed the cost of new national best sellers are higher than they were a year ago.

Six major publishers have adopted a new pricing model known as "agency pricing." Publishers, worried about deeply discounted best sellers promoted by Amazon.com or Barnes & Noble, have agreed to set the consumer prices on their digital titles. Under this plan, retailers take 30 percent of the price and 70 percent is returned to the publisher. One major effect of agency pricing is that retailers can't discount the price of a new book without the publisher's approval. Amazon had been discounting popular new books and actually selling them at a loss. If the publisher's price was $13 and Amazon sold the book for $9.99, it lost $3.01 per sale.

Now, The Wall Street Journal says discounting the most popular books and using them as loss leaders is almost over. Publishers contend that it's impossible to set a profit per title that includes a percentage of all their costs, because books have unique costs that are broken out over an unknown number of copies. Books might cost a few dollars more since the agency pricing took effect, but there are advantages of e-books over hardcover versions.

They're convenient; you can buy one from home any time of the day or night. When you're finished with them, you don't have yet another book to fit into your bookcase.

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Branding irons have given way to electronic chips and GPS

Animal identification is coming into the high tech future.

Most everyone has heard of electronic chip implants to track lost dogs, cats, and other pets. But the technology has expanded to track free range livestock and keep tabs on migratory animals and endangered species.

The radio-frequency identification (RFID) chip, which is about the size of a large grain of rice, is implanted just below the skin of an animal or enclosed in an ear tag. The devices can be programmed not only to track an animal by GPS, but also to send back data about the animal's eating habits, migration, and the status of various body functions.

Both the USDA and FDA have approved Digital Angel's bio-thermal microchip, which tells the animal's body temperature. The company is working on chips that will assess an animal's hormonal changes, blood pressure and, eventually, be able to diagnose diseases.

The Home Again chip that has brought many an errant pet back to its owners is being purchased by farmers to track livestock and by the government to record the migratory habits of salmon. The livestock tags have become mandatory in parts of Australia. Some chips tell whether the animal's vaccinations are up to date.

With all this technology, the cowboys will soon stow those branding irons. They can draw the chip locator from their holsters to make sure a strayed calf has returned to the herd.


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