Sabtu, 12 Oktober 2013

Does it matter if a small LCD TV is not HD ready?

Q. I have seen a nice Sony 15" LCD Tv with Freeview built in. However it says it is not HD ready. Does this matter for the purposes of a 15-incher? We go digital in 2011 in our area. Grateful for any advice.

A. if your tv is not HD ready, then you won't see High Definition pictures. This has nothing to do with the conversion from analog to digital local broadcasts. Yes, typically HD tvs are also capable of receiving local digital channels, but this is totally separate from High Definition technology.

If, however, you are referring to digital signals (DTV), the FCC is requiring local broadcasters to convert from analog to digital by 2/17/2009 (for all "full power" stations).

If you receive local channels over UHF/VHF local antenna, you will need to get an digital to analog converter that goes between you antenna and tv. If you have a cable box or satellite decoder, you don't have to worry, as they will convert the signal at their source for you. Also, if you replace this TV with one capable of receiving digital signals before next year, you will not need the converter.

After this date, if you have the proper TV or converter, you will be able to see the digital signals in normal (not HD) format. HD TVs that are capable of both digital TV and HDTV will receive both signals as sent by your local TV broadcaster. Those not in HD format will be digital but in conventional format.

If you need a converter, you can get a voucher to get one for free. See http://www.fcc.gov/cgb/consumerfacts/digitaltv.html for more information or see https://www.dtv2009.gov/ to apply for a coupon for a free converter.

PS Our HD/DTV has incredible local channels off our local antenna, better than DirecTV provides off the dish. And I am not about to pay that extra for only a few channels on the dish. You have to reprogram the channels on your TV to remove the analog signals and accept the digital ones, but the picture is so much better, I find myself not watching overpriced satellite tv so much and might even dump it unless they lower their prices.


why is my friend being charged so much on her credit card?
Q. i owe $239 on a lcd lg flat sceen tv. thats on layaway. my friend offered to pay it all off for me on her credit card(capital one). she just called me and told me that the credit card co. just told her that if she spends $2oo she has to pay back $295. is this true? or is she just rying to be a loan shark? thanks for all answers.

A. Layaway? A blast from the past. I didn't know people did that any more. I recently took home an HDTV at Best Buy for 0% interest until August 2011, but even if I only pay $100 per month, I will have it paid off long before then. And I have bought things at Circuit City too for 0% interest (maybe why they went belly up).

As mentioned, as part of new credit card regulations they may have to tell her what it would cost to pay it off if she only make minimum payments, since they are required to disclose that now on statements. That is because some people with no financial smarts didn't realize what it would actually cost them if they only make minimum payments, instead of paying it off as rapidly as possible.





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