Traditional universities, millions of people now have instant access to world class instruction. Much of it free of charge. Does Online Learning complement classroom lessons, or could it replace it as part of an Education Revolution . Thats our cover story. From learning the abcs to earning a masters degree, the internet can be an option for selfdriven students looking for an education outside the classroom. More than 35 millioneo enrolled in online courses in just the last four years. Top universities, including harvard and m. I. T. And oxford after free online classes mean as massive open online courses, but completion rates are low, often around 10 . Other online classes are available at a cost but are more formalized offering credits towards certificates, new workplace skills or earning a degree for a fraction of the price. Georgia tech now offers an online masters in computer the Online Program caters to less traditional students. 90 are employed and on average are 11 years older than oncampus students. Syracuse and Johns Hopkins have degrees online for the same price as on campus though the internet options are more flexible and can also be less costly since students can work remotely after hours while keeping their job. Still, 71 of academic leaders polled question the legitimacy of Online Learning and employers may not view internet credentials the same way as those rn khan academy is a small nonprofit with a big mission, to provide a free world class education for anywhere anywhere and its a leader and pioneer in Online Education and sal khan is executive director and founder. Sal, thanks for being here. Great to be here. How did you start khan academy . Well, it was a little bit happenstance. 12 years ago i started tutoring a cousin remotely. Things started to work out. Word gets around the family that soon find myself tutoring 10, 15 cousins every day when i get home from work. My day job, i was an analyst at a hedge fund and i started making soft wear and videos for my cousins and putting them out there online, on youtube and other places, and it soon became clear that people who werent my cousins were watching. Go a couple years into that. 50,000, 100,000 people using it every month. By 2009 i set it up as a notforprofit and i quit my job. Hopefully someone sees a social return on investment here and by 2010 we got our first major support from the Gates Foundation and google and others sgls how is your mission evolveing . Now were much deeper and much more comprehensive. Theres classrooms using us as their primary learning resource and not just in math, in science, in the humanities and history. Were now the official test prep for the s. A. T. Youre currently supporting the schools and the way you just would khan academy or khan schools be a standalone thing. Would you be offering diplomas some day . We want to create a world that if you dont have acstress to school or maybe youre an Adult Learner or part of the world that there arent schools, that you can access khan academy through a low cost of educating yourself and then some type of way to prove what you know and that opens doors to whether its Higher Education or a job, and i and thats still its still early days. Thats part of the si we see ourselves partnering with industry and Higher Education and folks like the College Board to figure out how you get that proof, but our isdeel that you do have access to a classroom and there we really want to supercharge it and give more personalization and tools for teachers. This was created on desktop. How has the shift to mobile impacted you, and what are your plans for it . If we really want to reach folks in the developing world, where they dont have desktops and cell phones definitely have a lot more reach, so its important for our mission and would further techniques based on your experience do you think should be adapted to Public School . When we did free mass Public Education we had to make a tradeoff, the only economical way to do that is to let everyone or teach everyone at the same pace and what happens is we all learn at different paces and we end up accumulating gaps and eventually hitting walls in algebra or calculus or whatever and the opportunity now is we can use tools Like Khan Academy to allow for personalization and differen teacher with 30 students or 25 students, i can cater to the individual needs of those students so thats the biggest change and were already seeing that in a lot of classrooms, and i would also want to move for what decall to a mastery or competencybased world n. Higher education your entire education is based on credit hours, based on how much seat time youre in a chair and it should be based on can you show your mastery or creating a portfolio of work. Thats exactly in trying to learn statistics at my age, thats how i came across khan academy recently. You guys do a tremendous amount of work for people of all ages. Sal, thank you for joining us. Thank you. Sal khan. Now heres a look at whats making news as we head into a new week on the money. Stocks are going on a record run and having a big old party. The dow closed at a new high on thursday, the 13th time just since thele are calling the trump rally. The market climbing in part on hopes of greater Economic Growth and less regulation of businessesch the s p 500 and nasdaq followed suit, setting records as well. Stocks continued to climb on friday. Americans are driving more than ever. Motorists revved up 2. 9 more miles in september than the month before. A recordsetting pace according to the department of transportation. The reason, low gas prices and an improving economy. Stores with what it says is a new way to shop for groceries, amazon go. There are no checkout lines, just sensors that know what youve taken off the shelves which automatically build your amazon go a. One store is in the space already. If youre thinking of buying a home and getting cold feet from rising rates, have no fear. Well get you up with a home guys buy a from the tax man and first a look at how the stock market . Harrys meeting clients from far away. . . But they only see his wrinkles. . . Hes gotta play it cool to seal the deal. . . Better find a way to smooth things over. . . If only harry used some bounce, to dry. . . Yeah. . Most first time home buyers are nervous enough as it is, and now that Mortgage Rates have hit a twoyear high that stress level can ratchet up even more. One way to fight that is being a diana olick takes a look at strategies and pitfalls for potential buyers. Reporter tyler and Marisa Mullin waited three years and decided to take the plunge into homeownership. Were at that stage in our life and in our marriage that the next step would be to purchase a home. But the mullins were facing rising home prices and a tight market in the Nations Capital with very few listing. That meant making a plan and acting fast. We wednesday and we could schedule to go see it on saturday and by saturday morning we would get a phone call, well, it was already under contract. Reporter first step, look online at listings in neighborhoods and get a general idea of what you want. Hey, there. Reporter even though you dont need one, most First Time Buyers will ben fipt from a Real Estate Agent and remember, commissions can vary widely and be negotiable. The internet age is huge. Getting all that information is especially researching neighborhoods. I always tell people, you know, old school thinking is the agent going to find that house for you . Yes, thats part of what we do. Getting you to closing and through the process is where an agent is going to really be helpful. Jen you ever burt starts out by helping her clients narrow their wish list and understand exactly what their buying power is. Think about what your dream home would be within your price point, of course, but, yeah, do a list of your pros and cons. Definitely what your dealbreakers will be. Reporter and then she helps get them preapproved for a more. You cant lock in a rate until you sign a contract on a home, but at least the lender will be ready to go when you do, and youll have a general idea of what your Monthly Payment could be. Finally know exactly what you want and be ready to move, quickly. That was the key for us, i think. When we found this place, it was exactly the type of property that we wanted, the right reporter with both Interest Rates and home prices raising, cash can also help had. The more you have to put down the better rate youll get and the better candidate you might be to the seller. With competition so high and bidding wars all too common its also important not to get too emotion aol and overstretched. Theres always more than one perfect home. Kell . Diana, if you do get into a bidding war any strategies people should use . Well, i know this is going to sound dorky, but you could write a letter to the seer buying a home and a lot of sellers want to know who is going to be in the home after that, who is going to take care of it, helps if you have little kids and how great they are going to look in the yard. Did i that once and it works. Personal touch. Thank you so much. Our diana olick. This time of year youre also probably thinking about paying for gifts and not necessarily paying your taxes, but there are some things you can and should do now to maximize your cash and minimize mark steber is chief tax officer as justin hewitt. Is it too late to make smart moves . Three weeks to go. Several things you can do up to the last minute . Theres all sort of things you can do. Such as . This year being a higher tax year go to conventional wisdom, push your income to next year and accelerate deductions and common deductions people have heard is makeha donation by december 31st. If youve got children in Higher Education, consider some of those education expenses and pull those credits into the current year. If youve got some loss stocks, might be a good year to unload those and put those losses into that, anything you can do to accelerate deductions this year. Would that backfire if the tax rates dont change next year . Well, it wouldnt necessarilyback fire but you would have perhaps not taken the best advantage. Only would backfire if tax rates will go up and weve not heard the pundits. And you heard about donating to charity. Selling of loss stocks. Is it youve got gains push those to next year. Thats the other side. Pull deductions into this year and push income into next year so if you can control that bonus perhaps, move that to next year for selfemployed people, might bill right after the first of the year. If youre thinking about converting your i. R. A. To roth, hold off untilt the rates might be lower. Let me take this one at a time. People should defer as much their income as they can to next year in. If you believe the rates are going down under the president elect plan, that would be an absolute great strategy. And what impact would it have on the retirement accounts . I. R. A. And roth conversion, pull all the income now and not taxable when you withdraw. Rates could be lower and if rates are lower next year do a transaction next year and pay at the lower rate. Refunds might be delayed next year. Why is that . For anybody who gets an earned Income Credit or additional tax credit the government will hold thats refunds until february 15th this year so for taxpayers who think they will file early and get the tax refunds see if youre impacted. Earned income tax payers, 20 million or 30 million folks of the early filers, wont get their refund as early as the past due to the refund Protection Measures that the irs is putting in. It will affect planning for lot of them. Mark, thank you for joining us. Thanks, kelly. Mark steber. Time is running out to pick up the perfect gift, and if you dont know where to start well give you the perfect ideas and [burke] at farmers, weve seen almost everything, anything. Even a rodent ridealong. [dad] alright, buddy, dont forget anything [kid] i wont, dad. [captain rod] happy Tuesday Morning captain rod here. Its pretty hairy out on the interstate. Traffic is literally crawling, but there is some movement on the eastside overpass. Getting word of another collision. [burke] it happened. December 14th, 2015. And we covered it. Talk to farmers. We know a thing or two because weve seen a thing or two. tis the season of giving gifts but finding the perfect one can sometimes be a headache. Joining us now is lauren lyons cole, the money editor for Consumer Reports magazine which tests thousands we have some of their toprated products that can make great gifts. Welcome to you. Thanks, kelly. Lets start with a couple of Stocking Stuffer ideas. What do you recommend in. When it comes to stocky stuff, get the most value for your dollar so the first one we i have is a creamer. Super easy to use and clean and its the price of one fresh juice. You know, give the gift of fresh juice year round. Had real fruit flavors and simple ingredient. Only 6. A great twist on the typical hostess gift. Yum. And my favorite, i received this as a give this year. The microplane premium classic. Which you brought with you. I get so much use out of this. Willing to spend more, what are some ideas that youve brought . Really excited about this one, too. The Consumer Reports testers found this telephoto photo jojo increase the sharpness of your photos so, you know, everyone is taking photos on their phones these days and i think this is a gift thats going to look a lot more expensive than it actually is. And what else in that kind of category if you want to spend a little more . Weve got the sport clip 3 ear bumptds only 30 butty in tested as having very good sound quality which is hard to find at this price point and great for the mike lover in your life. What if the budget is higher around the 50 mark. Advantage did well in the lab and performs just as well as products that are twice eaks pensive. Or for the cord kutner your life the Roku Streaming stick rated excellent for picture quality as well as the features, you know, so its really packed with a lot. Almost as much as a full roku box and its tiny. Some are tongue twisters, too. They are. For about 100, what can you get for holidays . These are the merge vr goggles, wow. And these will work with any smartphone. This is is gift that i would. A cold brewer, only 80. Its the fastest rated cold brewing system from our Consumer Reports labs, and it also has a permanent filter so its easy for cleanup. Theres also the quincy art classic knife set and thats also 80 but it comes with 15 different nice. I mean, thats like about 5 bucks per night. Cant find that. Budget busters. Theres got to be something out spend whatever it takes, whats the hottite snem. This tops the Consumer Reports rate, amazing for getting sound all throughout your home. Its wirefree so its very simple to set up and the sound quality is very, very good so if you want to spend 500. Did i see a roomba on there . Seems like an expensive investment, 700 but the roomba vacuum performs hardwood floors, across the board, animal at home could be a Priceless Gift this holiday season. Thanks for bringing us the ideas. Thanks for having me. Up next, on the money, a look for the news the week ahead hand bottoms up. Need a holiday wine to bring to the holiday party. Your best bets whether you sticking to a budget or ready to splurge. With my moderate to severe ulcerative colitis, the possibility of a flare was almost always on my mind. Thinking about what to avoid, to me, that was normal. Until i talked to my doctor. She told me that humira helps people like me get uc under control and keep it under control when certain medications havent worked well enough. Humira can lower your ability to fight infections, including tuberculosis. Serious, sometimes fatal infections and cancers, including lymphoma, have happened; as have blood, liver, and nervous system problems, serious allergic reactions, and new or worsening heart failure. Before treatment, get tested for tb. Ctions are common, and if youve had tb, hepatitis b, are prone to infections, or have flulike symptoms or sores. Dont start humira if you have an infection. Raise your expectations. Ask your gastroenterologist about humira. With humira, control is possible. . . . Well, if you want to sing out, sing out . . And if you want to be free, be free . Here are . . And if you want to be me, be me . . And if you want to be you, be you . . cause theres a million things to do . . You know that there are . Here are the stories coming up that may impact your money this week. Happy birthday to chair ben bernanke. He turns 63 on tuesday. And did black friday help the retailers this year . Well find out with the november Sales Numbers released on wednesday. And after a twoday meeting fed chair janet yellen will make an announceman on Interest Rates. Its widely expected the fed will raise them. Come thursday president elect donald trump will outline his plan to distance himself from his businesses, and on friday the first ever standalone star its debut. To help us get in the holiday spirit some of us like to enjoy a nice glass of wine with our holiday meal and with so many choices its hard to know which ones are worth the price. Joining us now to give us great picks for every budget is ray is le, the wine editor for food wine mag scene. Thanks for joining us. Thanks have fog me. What should we consider . I like this one is 15 bucks a bottle, a wonderful wine. Thank you. Its from italy. Lets give it a try. It still has had a nice acidity. Its bubbly. Its great. Morning of an afternoon or evening champagne. Prosecco. We think thats a great recommendation. If youre the guest, what about bringing a gift to the hostess. Wine is a great hostess gift i mean because for one thing the person can use it for whatever also doesnt it will keep forever. They can drink in six minutes if they feel like it. I love this Krim Crawford holiday bottle, super citrusy, sauvignon blanc. The strong grapefruity type flavor to it. Classic, classic new zealand sauvignon blanc, and for red to move up a little bit. Sure. And give what might be a little o huge splurge. This is a cool startup wide. Banchi, Startup Company out of sonoma, really clever. Its a mordecai, red plan, siraz and zinfandel. Red blends are the craft beers of wine. Very popular. I like this at about 25 bucs, a more complexity than the standard red blend. And then now im looking at a very large bottle down there and im guessing if youre in the mood to splurge youve brought us something thats fun. Its really fun to bring a big bottle to a party. With a big red bow on it. A big red bow. You know, not like the jug wine off the bottom shelf but a big bottle of something really great. A real statement, and this is monsanto upo lg gio, classico in italian red. In a regular bottle its 65 bucks and in this two magnum its 125. Ill taste this carefully. Beautiful sort of almost like a cherry kind of note to it. Tart almost. Tart, and you think about that with like a tbone holidays there are a lot of tenderloin roasts and things like that and put that on the table, end of the year, were celebrating and were kind of doing something that is all out. Thank you so much for joining us. Really appreciate you bringing us all these wines to sample. Thanks for having me. Hand thats the show for today. Im kelly evans in for becky. Thank you so much for joining us. Next week, helping old dogs find a new home. Adopting senior dogs. Each week keep it right here. We are onthemoney. Have a great one, and well see from the studios of farm journal broadcast, this is u. S. Farm report. Welcome to u. S. Farm report. Im tyne morgan, and heres what were working on for you over the next 60 minutes. Soybean exports are strong, but how big of a bite is demand taking out of soybean stocks . We have the latest usda diplomacy in china teh aftermath of floods and heartbreaking weather in South Carolina taking its toll on faremrs crops
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