231-922-9460 | Google +

Wednesday, October 1, 2008

Touch Is the Future at H-P

Hewlett-Packard Co. is hot on the prospects of touchscreen technology.

H-P says it's working on an array of products, including notebooks, that use the same type of finger-tapping interface popularized by Apple Inc.'s iPhone. H-P's so keen on the idea that it says it's trying to get touch-enabled notebook computers on the market within the next 18 months.

"We're focused on recognizing the potential of touch now," said Phil McKinney, the chief technology officer for the company's laptop-making Personal Systems Group. "We see touch as the almost preferred method for nontechnical users." Users also use Dallas Colocation and Atlanta Colocation.

H-P's plans illustrate how the iPhone has whetted the world's appetite for touchscreens, which have become increasingly available on handheld devices and are now making their way into the personal-computer sector. Several competitors already have touchscreen desktops, but few have laptops with touchscreens.

A hit with touchscreens might help the Palo Alto, Calif., company's sagging stock price. H-P's shares are down about 11% year-to-date to $45, as the company fights stiff competition from Dell Inc. and weakness in overseas markets.

Market research suggests H-P is making a smart bet. The number of touchscreen devices, including PCs, should more than double to 800 million by 2013, according to industry tracker iSuppli. Spending on touchscreen components likely will reach $6.4 billion, up 33% from $4.8 billion, over the same period, iSuppli said.

Much of that demand likely will come from notebook-computer makers.

"Touch represents the interface of the future," said Richard Shim, an analyst with IDC.

The iPhone helped to solidify the trend. Since June 2007, the gadget has proved the mass appeal of computing devices that are manipulated by touch-sensitive icons and other screen prompts. More than 6.1 million iPhones have been sold since their debut.

Microsoft Corp. has fueled the move, too. The software titan said in June that it is adding touchscreen capabilities to its next operating system, which is due around 2010. The inclusion of touch functions likely will prompt even further adoption of the technology, analysts said.

No. 2 computer maker Dell already has an array of touchscreen products, including flat-panel monitors for $618. And it, too, has been revving up new touchscreen products. Two and a half weeks ago, the Round Rock, Texas, company said it would start offering free software updates to add multitouch capabilities to its Latitude XT tablet. It also has begun offering touchscreen options on a number of other computers.

That's led to talk about touchscreen notebooks from Dell in the future. A Dell representative had no immediate comment.

At this point, Apple doesn't appear to be joining the fray, even though it helped spark the trend. But Apple's Macintosh computers already have the same multitouch capability built into a track pad on the computer's console. Apple declined to comment.

By: Ben Charny
Wall Street Journal; August 6, 2008

Less-Costly Options Make Textbooks More Affordable

College textbooks can get priceyFilling a book bag with a course-load of college textbooks will weigh not only on a student's shoulders, but on his or her wallet.

On average, college students shelled out $900 a semester for textbooks, according to a 2005 federal report. In some cases, a single science book can cost $200.

The situation has led Congress to step in, and on Thursday it passed the Higher Education Opportunity Act. Among its provisions, the bill requires publishers to share pricing information with professors and forces them to unbundle packages of textbooks and supplementary materials so students can buy only items they need. President George W. Bush is expected to sign the bill.

"It's a critical step," said Nicole Allen, textbooks program director at Student Public Interest Research Groups, a consumer advocacy group. "Textbooks really can be the difference between affording higher education and dropping out."

Government intervention isn't the only way cash-strapped students can improve their odds of affording their textbooks. Here are more ways to save:

Electronic Textbooks

Ditch the heavy hardcover for an electronic book, and save as much as 50%. In May, six of the biggest textbook publishers, including Pearson and McGraw-Hill Education, started CourseSmart.com, which sells subscriptions to digital copies of textbooks and other course materials. For example, a 180-day subscription to the 12th edition of "Earth Science" costs $56.67, or 50% less than the print version.

Check with individual publishers -- Cengage Learning and Springer, among others, have their own eTextbook sites -- as well as Web sites such as CafeScribe.com to compare prices. Also, ask whether your college bookstore sells electronic books. At the University of Dayton, in Ohio, students pay $41 for electronic access to "Making Sense of Movies," saving 41% off a new $70 text.

Electronic texts also have downsides, however. Unlike their paper counterparts, they can't be returned. Also, subscriptions limit access to a semester or two, and copyrights typically prevent printing more than a few pages.

Price Comparison Sites

You can buy almost anything used online these days, and textbooks are no exception.

To find the best deals, check textbook-specific search engines, such as Bigwords.com, CheapestTextbooks.com and Booksprice.com.

Hunting for "Ten Essential Texts in the Philosophy of Religion" (regularly $54.95 new) through CheapestTextbooks turned up listings at eight online retailers. The cheapest: $4.21 for a used copy at Half.com (plus $3.49 shipping). Overall, that's a savings of 86%.

Textbook Rentals

Once finals are over, the first stop most students make is at the bookstore, where they hope to sell their books and recoup some cash. If the store needs the text for the next semester, then they'll be lucky to get 50% of their money back.

Textbook-rental services, such as Chegg.com, BookRenter.com and CampusBookRentals.com, offer a lot more certainty. Using these services, students pay as little as a third of a book's price to borrow it for a set period -- usually a semester, said Charles Schmidt, a spokesman for the National Association of College Stores. Chegg.com, for example, mails a copy of "Compact Bedford Introduction to Literature" for $26.88 a semester, a savings of 59% off the price of the new version.

One warning: Renting isn't always cheaper than buying a used text, Mr. Schmidt said. Many rented texts don't include the supplementary materials such as CDs or workbooks. Also, these services typically require books be kept in good condition. Play fast and loose with a highlighter, and you could end up forking over the full purchase price.

Subsidized and Open-Source Textbooks

It is even possible to legally download textbooks free, thanks to some new sites and services.

Freeload Press subsidizes the cost of offering dozens of eTextbooks free by selling ad space on its Web site, and on the pages of the books. Its free offerings include "Guide to Business Valuation" ($30.95 new). Print versions of the textbooks offered on the site run $19 to $40, plus shipping.

Project Gutenberg offers more than 25,000 free eBooks and audiobooks for older, out-of-copyright texts, including classics like "Jane Eyre" and "The Iliad." (At Barnes & Noble, you'd pay $7.95 for each.)

The pitfall to free texts: not much selection. The sites are worth a look, but don't bank on finding all the books on your required-reading list just yet.

By: Kelli Grant

Making IM Services Play Well Together

Programs Integrate Isolated Functions Like Email Chores

Instant-messaging programs, once the snobby little kids of the online communication world, have had to learn to play well with others.

AOL's AIM started out with enough popularity to freely ignore the need to integrate with other programs; now, it can be argued that AIM retains its relevancy by operating with other messaging programs like Google's Gmail chat and Apple's iChat. Other IM clients paired up with one another to increase usability, like when Microsoft and Yahoo became interoperable over two years ago.

But nowadays, social-networking offerings -- like leaving messages on Facebook walls and receiving Twitter "tweets" from friends -- compete with traditional instant-messaging programs. And advanced technology in mobile devices has helped these chats move from desktops to iPhones and BlackBerrys, where conversations can continue on-the-go, using mobile applications.

Three free programs -- Meebo, Adium and Digsby -- work by consolidating numerous messaging accounts into one combined program.

This week I tested three free programs that seem to acknowledge the fading star of isolated instant messaging, as we once knew it. Meebo, Adium and Digsby work by consolidating numerous messaging accounts into one combined program. Some of these include social-networking integration or even built-in email notifications, turning the service into a one-stop shop for online communication. The result can save people from choosing one IM system over another.

All three of these programs are straightforward and work without much effort or instruction. They require users to enter the user names and passwords to log onto each IM account, which may make some people uncomfortable, even though each site explains its privacy policy. Of the three, Digsby offers to integrate with the greatest number of programs all at once, including instant messaging, email and social-networking accounts. It also lets people handle email by deleting or sorting it directly in the IM window, which neither of the other programs does.

But Digsby isn't yet usable on Macs or Linux, and Adium (the second-best offering) is available only on Macs. When used with the correct operating system, these programs perform as promised, easing communication overall and saving people the hassle of logging into various accounts -- or missing out on chats with friends because of not signing into certain programs.

Meebo, www.meebo.com, is the only one of these three products that is completely Web-based. It works on all major browsers, including Internet Explorer, Firefox and Safari, and doesn't require any installation -- a plus for those who would like to be using instant messaging in the office but aren't able to install software on corporate computers. It can log users into one of six messaging programs simultaneously, including Yahoo, Microsoft, AIM, Google, ICQ and Jabber.

I signed onto three instant-messaging accounts at once on Meebo by entering the username and password for each and selecting one overall "Sign In" button, which logged me into each program simultaneously and displayed all of my contacts in one condensed panel. Meebo can be configured to automatically launch within Firefox if a Firefox extension is downloaded.

Meebo.com is also usable on the iPhone and iPod Touch, allowing people to log into multiple accounts simultaneously from their mobile device. As of now, neither Adium nor Digsby has an application that allows it to work with the iPhone or iPod Touch.

Digsby, www.digsby.com, was a cinch to set up on my laptop, which was running Windows Vista. It walked me through the steps of adding accounts from instant-messaging programs, email accounts such as Gmail and Hotmail, and social-networking sites such as Facebook, MySpace and Twitter. Digsby works with IM and emails accounts from AOL/AIM, Yahoo, Microsoft and Google. Jabber, ICQ and Facebook chats also work with Digsby, along with IMAP and POP email accounts.

Once added, all of these accounts are represented in one clean panel. These consolidated communication programs saved me many extra clicks on my computer over a weekend, and I easily chatted with friends while checking messages. New emails received in my Gmail account were visible in a preview panel that popped up when I moved my cursor over the email account name. Right within this email preview panel, I could delete or archive each message; I was also able to mark a message as read or report it as spam. I performed all of these email tasks without opening my Gmail account in a browser or email client. Shortcuts in this preview panel labeled Open, Compose and Inbox sent me to my browser to perform these more-involved tasks.

This in-line functionality also applies to other email accounts, according to Digsby. But though I could see a tally of newly received Hotmail messages in my Digsby preview panel, these messages weren't as interactive as those received in my Gmail inbox.

Digsby also tracks Twitter alerts and timelines, as well as Facebook newsfeeds and alerts -- including posting notifications in your Digsby panel whenever someone "friends" you on Facebook.

Adium, www.adiumx.com, wins points for cuteness. The downloaded program is represented by a goofy, green duck, which plops itself in the Mac operating system dock and closes its eyes when not in use. When new messages are received via Adium, this duck flaps its wings until you open the message. The Adium user interface incorporates sleek visuals, such as status windows that gracefully float above user names whenever a cursor moves over these names.

Adium works with AIM, ICQ, .Mac, Jabber, Google Talk, Windows Live Messenger and Yahoo Messenger. Adium supports new email notifications for some accounts, but doesn't enable reading or sending email within the program. Instead, it offered to open my account via the browser or using Microsoft Entourage on the Mac. Social networking is limited to MySpace IM on Adium, though the next version will support Facebook Chat.

Adium organizes multiple conversations using tabs stacked at the bottom of a chat window. Icons line the top of each chat window, such as a file icon for transferring files and a lock that switches a conversation to be encrypted and off-the-record. Any conversation that isn't designated encrypted is automatically stored in a table of Adium transcripts, which can be sorted by To, From or Date. Transcripts can be sorted using rough timelines like "within the past two weeks" or "since yesterday."

I saved myself time and mouse clicks by using these three consolidation programs, though I preferred Digsby in the end because of its intuitive email integration. These programs will help to take down the instant-messaging barriers that have become turn-offs over the past couple years, and may better integrate IM with the social networks and mobile devices that are on the rise.

By: Katherine Boehert
Wall Street Journal; August 6, 2008

Flock Web Browser Eases Multitasking But Has Drawbacks

Flock screenshotEven with the advent of tabbed browsing, which allows you to keep multiple Web pages open in the same window, Web multitasking can be a pain. You have to constantly click back and forth among tabs if they contain fast-changing material you check often, like the status of your friends in social-networking services, or updates to news feeds.

Trying to share information with people on your Web-based networks can introduce another layer of digital jujitsu. It can be awkward to snag a photo or a snippet of text from one Web site and send it to a friend in a social network on another, or post it to your own blog.

Walt Mossberg reviews Flock, a little-known Web browser that tacks on some special features for social networkers and bloggers.

But I've been testing a little-known Web browser that attempts to solve these problems. It's called Flock, and it bills itself as "the social Web browser." I found that it worked well, but it isn't for everyone, and it has some important downsides.

Flock is a modified version of the excellent Firefox Web browser that tacks on some special features for social networkers and bloggers. It's available free at flock.com in essentially identical versions for Windows, Mac and Linux.

Flock adds a special vertical "sidebar" at the left of the browser that keeps your social networks, photo sites or news feeds visible at all times, regardless of what page you're viewing in the main browser window.

For instance, with Flock, you can see that you have a new friend request in Facebook, or that a pal has posted new photos in Flickr, without clicking away from reading this column in the main browser window.

But, wait: There's more. With one click, you can display a horizontal "media bar" across the top of the browser containing thumbnails of all of a friend's photos or videos from a social-networking or photo site, again without changing what's in the main browser window.

These two special bars also allow you to take action. For instance, you can just drag images and text from Web pages into the sidebar to share them with friends listed there. And any photo on the media bar can be quickly emailed or posted to a blog.

There's also a "Web clipboard," which can save any text, image or link from a site in the main window by merely dragging it to the Flock sidebar. Once an item is in this clipboard, it stays there until you delete it.

Flock has its own built-in blog editor, which allows you to quickly compose, edit and publish blog posts containing interesting items you encounter on the Web. And it creates a special personal Web page, called My World, which combines your social-networking updates, news feeds and photos.

I found Flock productive and fun to use. I tested its special sidebar with my Facebook, Flickr, Picasa and YouTube accounts, and with my favorite news feeds. I also used another of Flock's features, which let me check my Gmail and Yahoo Web-mail accounts without navigating to their main pages. And I published several posts from within Flock to a test blog I maintain. All of this worked as promised.

In my tests, I used the latest edition of Flock, version 2.0, which is built on the new Firefox 3.0 browser. Even though this latest iteration of Flock is still in beta status, I found it to be quite stable.

But Flock isn't for everyone, and it has some significant drawbacks. For one thing, you'd need a fairly large or high-resolution monitor to accommodate the Flock sidebar and media bar without reducing the size of the main browser window so much as to require too much scrolling. Even with a big or high-res screen, you will see fewer toolbar links and browser tabs than normally.

And, Flock has a busy, even frenetic, look that can be distracting and annoying. So many things are going on at once that it can be hard to concentrate on the main attraction: the Web page you are reading in the main window.

Also, while Flock does indeed spare you from clicking back and forth as often among tabs in your browser, it doesn't entirely eliminate clicking around. Its sidebar can display only one type of information at a time -- social networks and photo-sharing sites in one view, news feeds in a second, the clipboard in a third, and Web bookmarks in a fourth. So you'll have to click the sidebar's own controls fairly often to check all of these, or keep going to the special My World page in the main window.

Finally, Flock works with only certain social networking, photo-sharing and blogging services. While it does support most of the main ones, there are some glaring omissions. MySpace isn't yet on the list, though it's expected to be added next month. But Hotmail, Windows Live Spaces and SmugMug, among others, are missing. And it doesn't support any instant-messaging services at all.

Flock does a good job at the tasks it sets for itself, but I would recommend it for only the heaviest and most impatient social networkers. For most others, Flock is overkill.

By: Walter Mossberg
Wall Street Journal; August 21, 2008

The Ad Changes With the Shopper In Front of It

Dunkin' Donuts adsSome Digital Screens Could Adjust Messages Based on Features

Ad targeting is coming to a store near you.

In the latest effort to tailor ads to specific consumers, marketers are starting to personalize in-store promotions based on products the consumer recently picked off a shelf or purchased -- and in the near future, based on what the shopper looks like.

Dunkin' Donuts is among the first marketers in the U.S. to begin testing the technologies, at two locations in Buffalo, N.Y. People ordering a coffee in the morning can see ads at the cash register promoting the chain's hash browns or breakfast sandwiches. At the pick-up counter, customers see ads prompting them to return for a coffee break in the afternoon and try an oven-toasted pizza.

In a separate test, Procter & Gamble is placing radio-frequency identification tags on products at a Metro Extra retail store in Germany so that when a customer pulls the product off the shelf, a digital screen at eye level changes its message. When a consumer picks out a shampoo for a particular type of hair, for instance, the screen recommends the most appropriate conditioner or other hair products, says John Paulson, president of G2 Interactive, a digital-marketing arm of WPP Group's G2 Network.

This comes as advertisers are spending more of their ad dollars on in-store marketing. Audience fragmentation and the waning power of television ads are forcing marketers to make their pitches and tout their brands when and where consumers are closer to making a purchase: in the store.

Most of the experimentation by marketers is being done with the new digital screens that are appearing next to cash registers and in store aisles. Because cameras are embedded in many of these digital screens displaying the ads, marketers are hoping to serve up ads based on the consumer's appearance.

Many of the in-store targeted-advertising efforts are still in the early stages of development. Marketing executives say that much research still needs to be done to evaluate the best types of ads to display and the way consumers respond to messages. Some fear that the proliferation of screens makes it more likely that they will be ignored.

"I'm a skeptic on technology in the shopping environment," says Andy Murray, chief executive of Saatchi & Saatchi X, the Publicis Groupe agency that focuses on in-store marketing. Screens need to be useful to get people to pay attention, and if stores are just using them to sell products, shoppers won't be receptive, he says.

The company powering the screens for Dunkin', YCD Multimedia, is in the midst of deploying facial-recognition technologies that can classify people into certain demographic groups by identifying their approximate age and their sex.

Companies in the securities industries have been experimenting with facial-recognition technologies for some time. The technology often works by capturing an image of a person and using sophisticated algorithms to analyze features like the size and shape of the nose, eyes, cheekbones and jaw line -- against databases of face information. At the 2001 Super Bowl in Tampa Bay, Fla., for instance, security officials used facial-recognition technologies to scan for terrorists and known criminals.

Only recently has the price for digital screens dropped enough that retailers could afford to put the screens in stores. Even now, the digital signs operate on a delay in some places, so that marketers have to program their commercials days in advance -- which rules out changing the ads on the fly, based on the characteristics of a given the shopper.

At the 1,400 eight- and nine-foot-tall plasma screens in 105 malls across the U.S. operated by Adspace Networks, there is roughly a two-hour delay between the time an ad is downloaded and its appearance on the screens. In some cases, these ads have achieved their mission of spurring sales too well. When inventories of the advertised products have become depleted, the ads haven't changed to reflect that reality. "One of the issues we have is that we run out of stock," says Adspace Chief Executive Dominick Porco.

New technologies are helping some marketers address that problem. Aroma Espresso Bar, an Israeli café chain that also operates stores in New York and Canada, is testing YCD systems that automatically change the ads people see at the cash register as a way of managing inventory better. If there is a large amount of pastries that will go stale that night, for instance, a manager will switch ads on the screen to promote them, says Gali Goldwaser, marketing manager for Aroma.

Technology firms hope to ward off any potential privacy issues by not capturing and storing any personally identifiable information about consumers.

By: Emily Steel
Wall Street Journal; August 21, 2008

Kohl's Makes Changes in Top Ranks

Larry Montgomery Department store chain Kohl's Corp., which has been hurt by the consumer spending slump, announced Thursday that Larry Montgomery is stepping down as chief executive officer after nine years in the post and President Kevin Mansell is taking over.

Mr. Montgomery will remain chairman and continue to oversee strategic growth initiatives, human resources, and legal and real estate departments at the Menomonee Falls, Wis., company. "I have no plans to retire," the 59-year-old said in an interview Wednesday. He said the company's recent sales weakness was not a factor in his decision. "I have faced no pressure to step down," he said.

The change in command is part of a succession plan that Mr. Montgomery has been discussing with the board for a few years, he said. The board delayed announcing the management change by "a couple of months" to avoid giving the impression that Mr. Montgomery was being pressured to resign because of poor performance, said Frank Sica, a Kohl's director since 1988.

"We were hoping for better news so it didn't seem like this [downturn] was the reason," Mr. Sica said, adding: "We're very happy with Larry. If he wanted to stay, we'd be happy with him staying."

Sales and profits at Kohl's, which operates 957 stores in 47 states, have tumbled as consumers responded to rising prices for gas and food by cutting back spending on clothing and other discretionary items. Last week, the retailer said net income fell 12% in its second fiscal quarter ended Aug. 2. It forecast sales at stores open at least a year, a key measure of retail market share gains, will decline through the second half. Kohls may offer foot orthotics at some stores.

Shares were off $1.08, at $47.74, in 4 p.m. New York Stock Exchange composite trading Wednesday. Investment house Goldman Sachs Group Inc. lowered its rating on the retailer's shares to neutral from buy, citing a recent rally in its shares. However, the stock has lost 21% of its value in the last 52 weeks.

Mr. Mansell, 56, said he has no plans to alter the company's strategy. "This is about continuity, stability," he said. "There has not been a decision made that hasn't been a collaborative effort -- that will continue." He is expected to continue Kohl's store expansion and pursuit of exclusive brands.

The pair have sought to boost retail profits by embracing exclusives such as the Chaps menswear line by Polo Ralph Lauren and the Simply Vera Vera Wang women's wear and home lines. It also recently added new house brands, such as a teenage line called Abbey Dawn, designed by singer Avril Lavigne.

Kohl's director Peter Sommerhauser said the company's directors felt it was important to promote Mr. Mansell to signal to future managers that they will have a chance to move up. Mr. Montgomery has been CEO since 1999 and chairman since 2003. Mr. Mansell, a 26-year company veteran, has been president and a director since 1999.

Kohl's appears to be slowing its store expansion plans. Last year, it said it expected to add about 550 stores over the next five years. Last week, the company, which has said it expects to open 75 stores this year, said it will open just 50 in fiscal 2009.

By: Cheryl Lu-Lien Tan
Wall Street Journal; August 21, 2008

Intel, Yahoo Target Web Services on TV

Intel Corp. and Yahoo Inc. unveiled an ambitious effort Wednesday to marry the TV with the Internet, a goal that has eluded technology and media companies for more than a decade.

The pair outlined software tools, based on Yahoo technology, to help companies deliver Web content alongside TV programming. The software complements a new chip from Intel designed to enable interactive features on TVs, set-top boxes and other gadgets, though it can work with devices that use other chips.

Intel hopes to use new chip technology to bring Web content to TV programming.

The two companies plan for the service to be available early next year. But they face stiff competition, and the need to rally Internet, software and consumer-electronics companies behind their plan. Intel said it has received support from some big players, including cable giant Comcast Corp., Walt Disney Co.'s ABC unit and hardware makers Sony Corp., Toshiba Corp., Samsung Electronics Co. and Motorola Inc.

Instead of trying to call up entire Web pages on a TV, as many previous efforts have, Yahoo is exploiting the concept of simple Web-based chunks of software known as widgets that have become popular on PCs over the past few years. The Widget Channel, as Yahoo dubs its service, allows icons for Web offerings to scroll from side to side on a strip at the bottom of a TV screen, while traditional programming plays above.

With a click of the remote, that content expands into a larger view on the left side of the screen, where users might pull up a weather report, monitor bidding in an eBay Inc. auction or view a YouTube video. Such Web companies will have to be persuaded to adopt the format; one draw is the possibility of reaching a TV audience that could help generate greater advertising and e-commerce revenue, Intel and Yahoo executives said.

"All the previous efforts that have failed tried to take the PC model and force it on the Internet," said Eric Kim, an Intel senior vice president and general manager of its digital home group.

Some electronics companies already sell TVs that can connect to the Internet, noted Richard Doherty, an analyst at market research firm Envisioneering Group. Sony and Microsoft Corp., meanwhile, have been pushing online connections for game consoles connected to TVs; Microsoft also been promoting technology to link Internet-connected PCs with TVs. He added that users are increasingly watching TV content on their computers, and said that by the time Intel and Yahoo launch their offerings, "there will be other Web experiences on the PC that users are in love with."

Comcast plans to begin testing the Web technology in the first half of 2009, integrating it with its own set-top boxes and interactive programming guide. Tony Werner, Comcast's chief technology officer, predicted other cable companies will also adopt the technology.

Intel's Mr. Kim said consumers will be able to purchase devices in retail stores next year that connect to existing cable boxes and an Internet connection that allows access to the Web features even if the user's cable or satellite company hasn't explicitly supported the technology.

By: Don Clark
Wall Street Journal; August 21, 2008

Brewing Up a Green Tea Facial Regimen

For Lina Tanaka, green tea isn't just the perfect thirst quencher. The skin-products expert believes it's also great for her skin.

Ms. Tanaka, co-founder of the Tokyo-based skin-care company Medical Research International, has made the inexpensive product into a central element of her daily skin regimen.

The medicinal properties of green tea have long been documented in Asia. Green tea contains chemical substances called polyphenols, which are antioxidants that mitigate the damage free radicals cause to the skin.

When Ms. Tanaka brews her daily cup in the morning, she sets aside a small serving to cool. Once the tea feels cold to the touch, she uses it to tone her skin. Ms. Tanaka likes to pour a little of the tea into her palms and splash it directly onto her face, but it's also fine to use cotton puffs, she says. She follows up with her usual facial creams so that the watery concoction doesn't dry out her skin.

Ms. Tanaka uses widely available brands in tea bags, but loose leaves also work, she says. "It's so cheap and natural," says Ms. Tanaka, whose company brings U.S. cosmetics to Japan, including those from Iredale Mineral Cosmetics Ltd. and Jan Marini Skin Research Inc. Medical Research International opened Japan's first Jane Iredale store in Tokyo's Isetan department store in February.

After her morning regimen, Ms. Tanaka transfers any tea she has left into a little spray bottle, which she carries in her handbag. Spritzing her face during the day soothes her skin, "and it's a great way to refresh," she says.

Ms. Tanaka makes sure to fill the spray bottle with fresh tea every day, because green-tea polyphenols start losing their strength when they are exposed to the air, she says.

In the evenings -- especially after a busy day -- Ms. Tanaka likes to use green tea bags to soothe her eyes. She steeps two bags in lukewarm water, then places them directly on her eyelids for about 10 minutes. She sometimes soaks cotton facial masks with green tea for a homemade facial. The facial is a treat for the summer, Ms. Tanaka says, because green tea can reduce inflammation and help lessen sunburn. But here, too, she uses moisturizing creams afterward to avoid drying.

And, of course, Ms. Tanaka simply enjoys drinking green tea. "Replace sodas with green tea, and you'll be much healthier," she says.

By: Hiroko Tabuchi
Wall Street Journal; August 21, 2008

Avoiding College's Plastic Hangover

college credit cards causing troubleThe immediate gratification of using plastic to buy an iMac, tickets to a Coldplay concert and nights of bar hopping has a way of coming back to haunt college students after graduation.

Despite their lack of a credit history and sizable federal student loans, most college students can get their hands on credit cards with as much ease as a swipe. And they're often lured into doing so with awards like free T-shirts. Along with the freebies, however, come some not-so-pleasant surprises: high interest rates and a range of fees and penalties.

One reckless night of spending or one late payment can leave students with overwhelming debt and a damaged credit score -- which could hurt their chances of landing a job or an apartment after college.

Many graduates know this all too well. More than three-quarters of undergraduates hold credit cards, according to student-loan provider Nellie Mae. Their average debt load: $2,169. That amount is nothing compared to the 10% of students who graduate with more than $10,000 in credit-card debt, according to a 2008 survey commissioned by credit bureau TransUnion's credit-management Web site TrueCredit.com and conducted by market-research company Zogby International.

College students "don't realize that anything they do now will stay on their credit report for the next seven to 10 years," says Thomas Fox, community outreach director at Cambridge Credit Counseling Corporation, a debt-management agency.

To graduate with honors in credit-card management, here's what students need to know:

Don't be lured in by free T-shirts.

TrueCredit.com's survey found that four out of 10 consumers sign up for a credit card to receive a free gift or special offer, such as a T-shirt or baseball cap featuring the school's logo. That's a huge mistake, as these credit cards may not serve a student's best interest. Some universities even receive money from credit-card companies for allowing them to pitch their cards on campus, says Daniel Ray, editor-in-chief of CreditCards.com.

Make sure to compare a credit card's terms to other offers by going to Web sites like CreditCards.com and LowerMyBills.com.

Piggyback on a parent's card.

Another option is to accept (yet another) helping hand from Mom and Dad. Signing onto a parent's credit card allows a student to take advantage of the more-established credit history (assuming they have good credit) -- and lower rates, says Mr. Ray. This is especially helpful to students who have a hard time controlling their finances.

Once a student signs onto their parents' account, the parents are held responsible for their purchases and payments, and will also be able to monitor their spending habits, hopefully preventing them from racking up sizable debt, says Martha Doran, associate professor of accounting at San Diego State University.

Know your (credit) limits.

With rare exceptions, all credit cards have limits. And because students lack established credit histories, they often receive fairly low ones -- typically no more than $3,000, says Tom Dailey, a credit-card industry consultant and former senior vice president at Discover. (Limits are often as low as $500 or $1,000 per credit card, says Mr. Ray.)

It goes without saying that exceeding a card's limit can carry dire consequences, but there's also a way to make those limits work in one's favor.

By carrying a balance of, say, less than half of the available credit, a student can maintain a solid credit score, says Steven Katz, director of consumer education at TrueCredit.com.

Remember, promotional rates are temporary.

That 0% introductory rate is about as tempting as they come, but that temptation won't last.

Introductory annual percentage rates, or APRs, expire, and when they do they give way to high rates -- especially for college students.

So make sure to find out how long the introductory rate lasts and what the APR will be afterward. (For most college students, the average APR is 15%, says Mr. Ray.)

Watch out for penalties and unnecessary fees.

No matter how boring it may be, read the fine print of your credit-card agreement. That way, if you make a late payment, it should come as no surprise when you're hit with a late fee or when the interest rate skyrockets.

Another thing to look out for: "universal default," a clause that allows a creditor to penalize a cardholder for making a late payment on another lender's card, says Mr. Fox.

While many credit-card fees are unavoidable, others are entirely unnecessary. If a credit card carries an activation or annual-membership fee, pass on it, says Mr. Ray.

"These days few people pay annual fees," he says. "They've become a thing of the past."

By: AnnaMaria Androitis
Wall Street Journal; August 21, 2008

When Schools Offer Money As a Motivator

test taking incentive programs - do they work?More Districts Use Incentives To Reward Top Test Scores; So Far, Results Are Mixed

More and more school districts are banking on improving student performance using cash incentives -- a $1,000 payout for high test scores, for example. But whether they work is hard to say.

In the latest study of student-incentive programs, researchers examining a 12-year-old program in Texas found that rewarding pupils for achieving high scores on tough tests can work. A handful of earlier studies of programs in Ohio, Israel and Canada have had mixed conclusions; results of a New York City initiative are expected in October. Comparing results is further complicated by the fact that districts across the country have implemented the programs differently.

Still, school administrators and philanthropists have pushed to launch pay-for-performance programs at hundreds of schools in the past two years. Advocates say incentives are an effective way to motivate learning -- especially among poor and minority students -- and reward teaching skills. Critics argue that the programs don't fix underlying problems, such as crowded classrooms or subpar schools.

In Texas, high-school students enrolled in Advanced Placement classes who got top scores on math, science and English tests were paid up to $500. (AP classes are considered more difficult than traditional high school curricula, and some colleges award credit for AP coursework.) The research, by C. Kirabo Jackson, an economics professor at Cornell University, found that over time, more students took Advanced Placement courses and tests, and that more graduating seniors attended college. Most of the gains came from minority students in the 40 high schools studied, accounting for about 70,000 students in all. The study, set for release on Thursday, will appear in the fall issue of Education Next, a journal published by Stanford University's Hoover Institution.

"There's a lot of buzz about pay-for-performance, but we still only have a small amount of studies on these programs, and a lot of them don't come from the U.S.," says Jonah Rockoff, a professor of finance and economics at Columbia University who is familiar with Mr. Jackson's research. "I think he's done a very careful job of doing the evaluation," he adds, noting that the study was not a true randomized experiment.

Previous data collected by the nonprofit Advanced Placement Strategies Inc., which runs the Texas program, found that in the 10 schools where it was initially launched, passing AP test scores doubled in the first year, quadrupled in the second year and have continued to increase. The program is now used in 61 schools statewide.

But exactly how much the cash incentives contributed to the improvements remains unclear. Teachers in these districts received additional training and bonuses of up to $10,000 when their students scored well. So it's inconclusive whether paying the students, rewarding the teachers or a combination of these led to the improved test scores.

In New York City, 31 high schools with large populations of poor and minority students last school year offered rewards of up to $1,000 for passing AP tests. In some subjects, such as chemistry, the number of passing scores leapt by as much as 82%. But overall, the number of students who passed AP tests slightly decreased from year ago. On Wednesday, nearly $1 million in private funds was awarded to 1,161 students. Starting this fall, additional teacher training will be offered.

"If we are going to invest, why don't we invest in something that we know does work, like reducing class size or extended learning time?" asks Pedro Noguera, a New York University sociology professor, who is critical of cash-incentive programs. Many students have trouble learning because they "are just not going to good schools, and no incentive is going to fix that," he says.

This school year, six states -- Arkansas, Alabama, Connecticut, Kentucky, Massachusetts and Virginia -- will begin replicating the Texas program, each with five-year grants of $13 million from the National Math and Science Initiative, a nonprofit organization launched last year with funding from Exxon Mobil Corp. and other private sources. About a dozen schools in each state are participating this school year, with plans to add more in following years.

The cash helped persuade Christopher Means, a senior at Marion County High School in Lebanon, Ky., to take his first AP classes. "It's definitely piqued more interest [in AP classes] than it has in the past," he says.

Overall, 60% more students will take AP courses at the participating schools in the six states this year over last year, says Tom Luce, chief executive of the initiative and a former official with the Department of Education. The organization plans to expand to 20 states within five years.

The initiative hopes eventually to expand nationwide. "I'm not Pollyannish -- it is not going to happen overnight, but it's certainly our goal," Mr. Luce says.

Previous studies of cash-incentive student programs have shown mixed results.

"It's harder than we thought it was going to be," says Joshua Angrist, a Massachusetts Institute of Technology economics professor who has co-authored two studies on cash-incentive programs, one at Israeli high schools and another at a Canadian university. He found that females respond better to cash incentives than do males. Researchers in Texas and Ohio found no significant gender difference in scores.

Stanford professor Eric Bettinger, one of Dr. Angrist's former students, is studying elementary schools at Coshocton, Ohio, where students are offered up to $20 for high test scores. Students there did significantly better on standardized math tests, but there was no effect on science, reading or social-science tests.

Many researchers and policymakers are looking to Roland G. Fryer, an economics professor at Harvard and "chief equality officer" of the New York City public schools. He oversees a privately funded program in New York City separate from the AP rewards program. In the Fryer initiative, about 10,000 elementary and middle school students earn cash and prepaid cell phones for high state test scores and good grades. He recently launched a study of the program and expects the initial results to be complete by October.

One question is whether gains attributed to cash incentives will continue if students no longer are offered rewards.

"You pay a price in motivation," says Barry Schwartz, a cognitive psychology professor at Swarthmore College. Cash incentives could ultimately diminish students' desire to learn for non-financial reasons, he says.

Dr. Fryer says he's just looking for anything that will improve student achievement, particularly for low-income and minority students: "If [incentives] don't work, I'm going to be the first person to call a press conference and tell everyone to stop."

By: Jeremy Singer-Vine
Wall Street Journal; August 21, 2008

Microsoft Live Labs Creates Web 'Synth' For 3-D Photo Tour

Microsoft PhotosynthMicrosoft is a little like the General Motors of technology. The software giant is, of course, much more successful, financially and in market share, than the troubled auto maker. But, as at GM, Microsoft's very size -- over 90,000 employees -- and its bureaucratic structure often make the company seem more stolid and less innovative than smaller, nimbler rivals like Google and Apple.

Personal Technology columnist Walt Mossberg talks about the ups and downs of a new innovative service from Microsoft called Photosynth.

This contrast has appeared sharper in recent years, as Microsoft's Windows Vista operating system received a tepid critical response compared with Apple's Leopard platform and as the company's Live Web search service has slipped further behind Google's. In addition, Microsoft's cellphone software, Windows Mobile, looks old and creaky compared with Apple's sleek iPhone and Google's forthcoming Android mobile operating system.

But innovation does exist at Microsoft's sprawling Redmond, Wash., campus. For instance, last year's daring and radical redesign of Microsoft Office has been a critical and commercial success.

Now, there's a sort of guerrilla team inside Microsoft designed to churn out innovative products more often and more rapidly. Called Live Labs, the unit is a small operation that aims to turn technology theories into real, Web-based products relatively quickly. It has only about 125 employees, and even that modest number is broken up into smaller teams tackling specific projects.

This week, Microsoft Live Labs is releasing its first broad consumer Web service, called Photosynth. This service turns multiple photos of a scene or site -- say, an art gallery or a building -- into a 3-D scene you can virtually "walk" through on the Web.

Unlike a simple 2-D panorama, which many photo programs can create from several pictures, a Photosynth creation, called a "synth," is a virtual 3-D environment. It gives you the feeling you are in the middle of a room looking around, or circumnavigating a building or object. You can travel through a scene both laterally and vertically, and zoom in to see detailed, higher-resolution views of objects inside the synth, such as paintings on a wall.

For instance, you don't just see a long, flat picture of Stonehenge or the Grand Canal in Venice. You are made to feel you are there, moving through these places, looking up at the sky or down at the ground, and pausing to examine more closely a particular stone, boat or building.

Such 3-D walk-through images have been around for awhile; they are used on some real-estate Web sites, for example, to show houses virtually. But Photosynth allows anyone to create them using any standard digital camera, and even using pictures you already possess that weren't created with Photosynth in mind. You could even use photos of the same site taken by several people. The software will analyze the pictures, figure out which ones overlap and in what order, and then turn those shots that match up into a 3-D synth.

Photosynth, based on technology Microsoft acquired in 2006, is entirely free, and it's entirely based on the Web, at photosynth.net (where it will be launched at midnight EST Thursday). At that site you can view not only your own synths, but the synths created by every other Photosynth user.

I've been testing this service for about a week, and while it has its flaws, I believe that Photosynth offers a dramatic new way to use your photos and to share them with others.

Photosynth works within a Web browser, using a small plug-in you install. Currently, it works only in Windows, using Microsoft's own Internet Explorer browser or its rival, Firefox. A Macintosh version is in the works, but for now, you can't even view others' synths in the Mac operating system.

When Photosynth works right, the results are wonderfully satisfying. But it takes some skill to get a set of photos the service can match up well, a quality Microsoft calls being "synthy." Ideally, portions of each slice of a 3-D scene should show up in at least three photos, with 50% overlap between them. After you upload your pictures and Photosynth does its best to make them into a 3-D scene, the service assigns them a percentage number that indicates how synthy they were.

In my tests, I tried both collections of photos I already possessed and some I snapped with Photosynth in mind. My pictures of a piazza in Verona, Italy, were only 38% synthy, while ones I took of a hotel room specifically for Photosynth use were 73% synthy.

One gripe I had was that Photosynth doesn't tell you how synthy your pictures are until after you have uploaded them and waited until the system merges them, a process that can take a long time over a slow Internet connection. It would be much better if the service could tell you in advance how synthy the pictures are. Another objection is that Photosynth has no privacy settings. All your synths are open to viewing by everyone who uses the service.

But, overall, Photosynth is an impressive new way to view and share photos, and an encouraging sign that innovation and creativity still live in Redmond.

By: Walter Mossberg
Wall Street Journal; August 21, 2008

Rescue May Not Revive Economy

Recession Is Likely as Pillars of Growth Continue Erosion

The plan to bail out the U.S. financial system Congress hammered out over the weekend offers a much-needed salve to ailing credit markets, but it is unlikely to prevent the economy from sliding into recession.

"There will be some benefits of this plan, but we think the economy's already gone too far to prevent enough damage," said J.P. Morgan chief economist Bruce Kasman.

Recent news on the economy has been bleak. In a sign that the housing market continues to deteriorate, sales of new homes dropped sharply last month, the Commerce Department reported last week. Another report showed sales of big-ticket items also fell in August, pointing to deterioration in the factory sector and a drop in business spending.

"The business sector has been probably the most important source of resilience through the last year," Mr. Kasman said, and as companies slash spending layoffs could worsen. His firm now says a U.S. recession began during the second half of this year.

Economists polled by Dow Jones Newswires expect that this Friday's employment report will show the economy shed 105,000 jobs in September. Meanwhile, consumer confidence is weak and weekly readings on retail sales show that shoppers are cutting back on spending.

Consumer spending is also under serious strain, and is poised to decline during the third and possibly fourth quarter of this year, which would mark the first quarterly spending drop since the 1990-91 recession. Americans are grappling with rising unemployment and higher prices on fuel and food. In the midst of a financial crisis centered on falling home prices and fractured mortgage markets, a 2001-style mortgage refinancing boom isn't in the cards.

"The plan cannot prevent a recession," said Brookings Institution senior fellow Douglas Elmendorf. "What matters for people is how long and deep any economic slowdown is."

Until this point, the government response to the crisis has been ad hoc rescues of financial institutions that didn't do enough to prevent fears in the credit market from spreading, Mr. Elmendorf said. Without a more comprehensive move from the government, credit market participants would have been absorbed with worrying over which institution was going to fail next, leading to a sharp slowdown in lending that could cause a prolonged recession. The rescue is aimed at restoring confidence to the market.

While the plan may help heal the financial markets, it may not be a direct boon to the ailing U.S. economy. The major pillars of economic growth -- consumer and business spending, government spending, and exports -- are already crumbling. Foreign demand for U.S. goods, which has helped the factory sector avoid a deeper downturn this year, is expected to dry up as the world's major economies flirt with recession and fast-growing nations like China and India lose momentum.

The bailout includes a plan for the government to facilitate loan modifications and lower the number of foreclosures next year. That could help slow the swelling inventory of unsold homes that continue to depress the housing market. But it does not resolve the more fundamental problem of home prices that, relative to rents, still appear too high.

"The housing market still has further to fall, regardless of what we do with credit-default swaps and mortgage securities," said University of California, Berkeley economist Barry Eichengreen.

Further home price declines could bring more trouble to the financial markets as more loans go sour. Even under the best circumstances, Mr. Eichengreen expects a recession that will bring the unemployment rate to 8% from the current 6.1%.

Still, the bailout could act as a defibrillator, jolting activity in financial markets back to life and hopefully preventing a deeper exacerbation of the economy's woes. It could give would-be investors a sense that they should buy now, said Wrightson ICAP economist Lou Crandall.

Under the plan, hundreds of billions of dollars-worth of mortgage-related assets that were being sold at fire-sale prices are going to be drained out of the system by the Treasury. Buyers who were on the sidelines, opportunistically waiting for undervalued securities to get even cheaper will now have to act.

"This may restart the market for these kinds of assets," Mr. Crandall said.

By: Justin Lahart and Kelly Evans
Wall Street Journal; September 29, 2008