How Long Will It Be Before Major Universities Prevent Their Professors From Posting Lectures Online?

Steve Jobs was quite upset with the cost of textbooks, and he thought our education system was flawed. He’d accomplished quite a few disruptions in several industries, and much of what he did and others are doing now is leading to the slow demise of academia as we know it. The information available is now available everywhere, it will begin to flow like water being disseminated by the very top academics in the country for next to nothing. In other words information wants to be free, including all the information in their heads, so much for intellectual property in that regard.

But why do so many people want things to change? Is it because the 8% year-over-year cost increases of tuition are more than people can stomach? Is it because when people graduate with their degrees they are unable to find work, but must still payoff the high cost of student loans, much of which is going to professors with tenure, and their benefits after they retire. It appears that the bubble is building and ready to burst on the student loan programs as well as the modern-day college academic model.

There was an interesting article, it was an op-ed in the Wall Street Journal by Mr. David Gelernter, a professor of computer science at Yale published on August 9, 2012 titled; “The Friendly, Neighborhood Internet School,” which stated; “we have the technology, the people and the institutions we need to usher in online education revolution.”

Indeed they do, but wouldn’t that also negate the value of our current professors? Or do the elite professors from places such as Harvard, Yale, and Stanford want to seize control of the message, and because of their stature, notoriety, tenure, and Ivy League position pull rank on all the other professors and colleges out there? In many regards I believe that in the future many of the colleges and especially the major universities will prevent their professors from posting online lectures, as a protectionist act.

They will have to do this otherwise people will not pay the tuition to sit and lecture halls with 400 other people when they could be watching them in high definition on the Internet at the local Starbucks using the Wi-Fi for the mere cost of a Venti Frappachino. You see my point yet? In fact, the technology and the ability to get these free lectures online is so profound and so revolutionary, it’s so disruptive that it may render the need for our current style of teaching and education unneeded.

Certainly it will have a profound effect on the number of students who apply, the cost of tuition, and the inherent value once considered of an Ivy League degree or education. It probably will hit the smaller institutions first. Are these Ivy League professors willing to literally shut down all the other colleges so they can get their personalized lectures and message out to the masses, and hopefully make money on the high volume even if they are only getting perhaps a couple of dollars for everyone that views one of their lectures?

You see, it appears to me that many people in academia are already operating in a very monopolistic business model. So it wouldn’t surprise me that these academics feel entitled to taking a one-ups-man-ship approach on the rest of their peers throughout academia. Still, in the end it will matter, the entire higher into education will slowly dissolve just as the mainstream media is today, starting with the newspapers, trade journals, and magazines. Surely you can see that future, the writing is on the wall. Whereas I agree with the op-ed in the Wall Street Journal, I also have a tough time with the motivations and future course of action that these schools might take.

Some might say that they have completely noble intentions, and they certainly intend to stand on their pedestal of self-proclaimed integrity and ethics, almost an intellectual socialism approach to giving knowledge to the world, but we know that’s not usually the case when push comes to shove and it is their paycheck which is being affected. That’s when people change their mind, and they maneuver for a better position for themselves. I also predict that, and I almost am assured that that prediction will come to pass. Indeed I hope you will please consider all this and think on it.

CPA Posting Medicare Open Enrollment News

There is important news for those who are enrolled in Medicare from your local CPA. Open Enrollment period begins on October 15. You will now have the opportunity to make new choices for your plan. Medicare updates its plans with new coverage and costs with any change of health-care needs. It is your opportunity to change your health and prescription drug plans to ones which will fit your needs. You will have from October 15 – December 7, 2012 to make any important changes to your health plan.

What kinds of changes can you make to your Medicare plan?

* You will be able to join a prescription drug plan if you are not already enrolled.

* If you are enrolled in a prescriptions drug program, you will be able to switch to a different one which may suit your latest needs.

* If you do belong to a prescription plan but want to drop your coverage, now is your time.

* You can switch from Original Medicare to Medicare Advantage Plan.

* You can switch from Medicare Advantage Plan to Original Medicare

* If you are in Medicare Advantage Plan, you may change to another plan within the Medicare Advantage Plan.

* You can switch from a Medicare Advantage Plan which offers prescriptions drug coverage to one that does not.

* Switch from a Medicare Advantage Plan which does not cover prescription drugs to one that does.

Look closely at the plan, especially if you have had any health related issues change since your last opportunity. Evaluate the coverage and if it fits your needs. Also look at costs; out of pocket and premium. Maybe you know that there will be some treatment in the near future which would best be covered by a different plan. This is the time to really looking into how much you are paying for premium costs and then determine if the out-of-pocket costs truly fit your needs. You may be able to find a different program which will suit your needs better and still make healthcare affordable.

In 2013 Medicare part B will be adding coverage for preventative services and treatments. You will no longer have out-of-pocket expenses with co-payment or deductible. Examples of services covered are: screening for alcohol misuse and/or counseling, cardiovascular disease, bone density, diabetes, colorectal cancer, prostate cancer, mammograms, obesity counseling and nutrition therapy. Get more information on other services which will be covered to make sure you sign up for the program which best fits your needs.

Many Medicare Prescription Drug Plans have temporary limits on prescription coverage for each plan. In 2013, this gap in coverage will begin after you have spent $2,970. The change in this plan will gradually help you by reducing out-of-pocket costs purchased with the gap. Read through each plan to see which program will fit your health needs concerning prescription drugs.

Making healthcare decisions can be confusing and complicated. Read your notices carefully and call Medicare of visit their website if you are having difficulties deciding what is right to you. Local CPAs and tax preparers are hoping that each of you will take advantage of this open enrollment and make the best decisions according to your personal health situation.

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