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In a connected world, consumers face ‘lock-in wars’

By Gregg Stebben, Men’s Health

WASHINGTON — As Apple and Google introduce a new wave of inter-connected gadgets, consumers face a new phenomenon — “lock-in wars.”

In the advancing “Internet of Things,” the technology giants are developing and releasing devices for your car, your wrist, your face, your pocket, your refrigerator and the ceiling above your bed.

And they can all talk to each other. That’s where the “lock-in wars” begin.

Once you buy one gadget from Apple or Google, you will have to buy all other gadgets from the same company if you want them to all to be linked.

Both Apple and Google held developers’ conferences last month, and each painted a similar view of the future: A world of devices — phones, tablets, computers, watches, TVs — all very tightly linked.

The advantage for you? You get a call on your phone, you answer it on your computer. Or your tablet. Or your TV. Or your wrist. Or your glasses. Or your refrigerator. Or maybe, with the Google acquisition of Nest, you would answer the call on the smoke detector over your bed.

Reverse the process when you want to send a text. You can do it from anywhere: From your phone, of course. But also from your computer, tablets, glasses, refrigerator or smoke detector.

But there’s the catch. Any connected device can do whatever you need whenever you need it, but that assumes that all your devices are from Apple, or from Google — not both.

If you mix and match your gadgets and operating systems, you will miss out on a lot of interactivity, connectedness and value.

Is the “lock-in war” good or bad for consumers?

Here are the pros:

  • You get a world of devices that are designed to work well together and make your life easier, and more fun.
  • It takes two — or more — to have a war. At least this time around, there are two giant companies competing, and that should raise the bar on innovation for both of them. For many years, Microsoft had most people locked in with Windows and Office, but they had no real competitors and no real incentive to innovate.

And here are the cons:

  • Many people will casually buy a new phone or tablet or computer or smoke detector and not realize they are locking themselves into a particular eco-system until it’s too late.
  • If you decide later you want to switch, it’s going to be expensive, time -consuming and frustrating.

As consumers, here are a few things to think about before buying more gadgets from Apple or Google.

  • Are you ready to make a long-term commitment to one eco-system or the other?
  • Overall, do you have an affinity for one company and its products over the other?
  • Is price an issue for you? And selection? Apple’s products are premium products that often cost more. Google’s Android platform often offers much greater selection and a wider range of prices.
  • Don’t look just at the hardware, but also at the other linked goods and services: Email, calendaring, cloud storage, movie selection, book selection, etc., etc.
  • And is privacy an important issue to you?

This isn’t just a battle between Apple and Google. For other major players, such as Microsoft, Samsung, Amazon and BlackBerry, the stakes are huge, and all of them are looking for ways to pull you into their eco-systems.

Most notable is Amazon and their new phone that, among other things, will ultimately make sure you never run out of toilet paper and paper towels because it will know you’re running low and reorder more for you — from Amazon, of course — before you even know you needed more.

The war for your tech allegiance rages on.

Follow @GreggStebben, @WTOP and @WTOPtech on Twitter, and on the

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. 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But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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