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What is home equity loan what is home equity mean what is home equity definition what is home equity what is homestead exemption what is homeopathy what is homeostasis in biology what is my ip what is normal blood pressure
What Is Home Equity?
Most homeowners now have more equity in their homes than they did two years ago, thanks to surging home values during the pandemic. That means right now is a good time to consider tapping into your home equity if you're looking to borrow money at a lower interest rate than you might get with other types of loans such as personal loans. Home equity is the difference between what you owe on your mortgage and the current market value of your home.
You build equity in your home by consistently making mortgage payments over the years. Equity is valuable because it allows you to borrow money against your home at lower interest rates than other types of financing. Once you have enough equity built up in your home, lenders and banks will allow you to borrow against it. Some of the most common reasons to borrow against your equity are to pay for life expenses such as home improvements, higher education costs such as tuition, or to pay off high-interest credit card debt.
Most lenders want to see that you've built up at least 15% to 20% in equity in order to let you borrow money against your house in the form of refinancing or other kinds of home equity loans. One of the simplest ways to ensure you have a good chunk of equity in your home is to make a large down payment if you are able to.
For a typical homeowner with a 30-year fixed-rate mortgage, building up 15% to 20% usually takes about 5 to 10 years. Even if you paid less for your home when you bought it years ago, your equity is based on the present-day value of your house. If, for example, your home is currently worth $500,000 and you have $400,000 left to pay on your mortgage, you would have $100,000 of equity in your home.
Here's what you need to know about home equity, what it is, how to calculate it and why it's important to homeowners.
How do you calculate home equity?
To calculate your home equity, simply subtract your remaining mortgage balance from the current market value of your home. So if you owe $400,000 on your mortgage and your house is worth $500,000, you have $100,000, or 20% equity in your home. You may need to work with an appraiser or real estate agent in order to get an accurate evaluation of your home's fair market value, especially since home values have risen by record-breaking amounts since the beginning of the pandemic.
Ways to borrow against home equity
There are various ways to access the equity in your home. Some of the most common equity financing options are home equity loans, home equity lines of credit (or HELOCs) and reverse mortgages. It's important, however, to keep in mind that all of these options require you to put up your home as collateral to secure the loan, so it's critical to understand that there's a risk of losing your home to foreclosure if you miss payments or default on your loan for any reason.
Home equity loan
A home equity loan lets you borrow money against the equity you've built in your home and provides you with a lump sum of cash at a fixed interest rate. Lenders typically want to see that you have at least 15% to 20% in your home to approve you for a home equity loan. A home equity loan doesn't replace your mortgage like a refinance, rather, it's an entirely new loan that you'll repay monthly along with your existing mortgage payment. But just like a mortgage, with a home equity loan, your interest rate never changes and your monthly payments are fixed, too.
HELOCs
A home equity line of credit, or HELOC, is a type of loan that lets you borrow against the equity you've built up in your home and functions like a credit card. It provides you with an open line of credit that you can access for a certain amount of time, typically 10 years, followed by a set repayment period, which is usually 20 years. Lenders also generally want you to have at least 15% to 20% in your home for HELOC approval. With a HELOC, you don't have to take all of your funds out at once, and you can withdraw money repeatedly from your HELOC over the 10-year period, once previously borrowed sums are paid back.
"A HELOC offers more flexibility than a home equity loan -- you can't withdraw money from a home equity loan like you can with a HELOC, and a HELOC allows you to receive replenished funds as you pay your outstanding balance," said Robert Heck, VP of Mortgage at Morty, an online mortgage marketplace.
HELOCs have variable interest rates however, so it's important to make sure you can afford higher monthly payments if your rate goes up once your introductory interest rate expires, especially in the current economic climate.
Reverse mortgage
You must be 62 years or older to access a reverse mortgage and have either paid off your home or have significant equity accumulated, usually at least 50%. With a reverse mortgage, you do not have to make monthly mortgage payments and the bank or lender actually makes payments to you. You must still pay your property taxes and homeowners insurance and continue to live in the house, however. A reverse mortgage allows you to access the equity in your home and not pay back the funds for an extended period of time while using them for other expenses during retirement. It's important to keep in mind that you are building a mortgage balance back up as you borrow against your equity, and your estate will eventually have to pay off your loan. A common way to repay this loan is to sell your house.
The bottom line
Unlocking the equity in your home can be a valuable way to access financing to cover other life expenses. It's important to understand the differences between the kinds of equity loans available to secure the best one for your particular financial situation. When comparing ways to access equity, always take into account the interest rate, additional lender costs and fees, and the size of the loan and how it will be disbursed to you, as well as the amount of time you have to pay it back, before you enter into an agreement to borrow against the equity in your home.
Sony x80j 4k uhd google television sony x800h review rtings sony x80 tv review sony x80 tv review sony x80j tv review sony x80k tv review sony x80j tv review sony x80k tv review
Sony X80K TV Review: Google TV Smarts, Basic Features and Picture
Sony X80K TV Review: Google TV Smarts, Basic Features and Picture
Sony has been making TVs for 60 years and today it's known for best for expensive, high-performance screens. In 2022 it continued the trend by releasing a kitchen sink worth of high-tech displays, from 8K to mini-LED to QD-OLED, and most demand serious cash. So far 2022 is more about tightening belts than bells and whistles, however, so I took a look at Sony's cheapest TV first. The X80K is a decent all-around performer, and could appeal to TV shoppers on a budget who just want a Sony, but you can certainly do better for the money.
Like
Accurate color
Capable Google TV smart system
Plenty of connectivity
Subtle, understated design
Don't Like
Mediocre contrast and black levels
More expensive than competing TVs with better picture quality
In early summer the X80K costs about the same as the Samsung QN60B and the TCL 6-Series. In my side-by-side comparison of the three in CNET's TV test lab, the Samsung looked slightly better overall than the Sony, with superior brightness and contrast, while the TCL totally trounced them both. That might be a surprise if you're new to the TV buying game and just paying attention to brands -- wait, a TCL looks better than a Sony? -- but if you look at their underlying technologies, it makes perfect sense. The Sony and Samsung use basic LCD backlights while the TCL leverages step-up screen tech, namely full-array local dimming and mini-LED.
Beyond picture I did like Sony's Google smart TV system and no-fuss design, and it comes in a wide array of sizes. Later in the year it's sure to receive hefty price cuts, like TVs always do around the Black Friday and the holidays, that could make it more competitive. For now, however, the X80K doesn't do enough beyond its name to stand out.
Sony KD-X80K sizes, series comparison
I performed a hands-on evaluation of the 55-inch Sony KD-55X80K, but this review also applies to the other screen sizes in the series. All sizes have identical specs and should provide very similar picture quality.
Sony KD-43X80K, 43-inch Sony KD-50X80K, 50-inch Sony KD-55X80K, 55-inch Sony KD-65X80K, 65-inch Sony KD-75X80K, 75-inch Sony KD-85X80K, 85-inch
The X80K series is the entry-level in Sony's 2022 TV lineup, with relatively basic picture features. It's missing the HDMI 2.1 gaming features, 120Hz refresh rate and mini-LED backlight found on step-up models, for example.
James Martin/CNET
Keep it simple, Sony
The X80K blends in rather than stands out with a dark gray color along the bottom of its frame. The other three sides are black and their edges angle in slightly. The stand consists of simple A-shaped legs splayed far to either side. Seen from the side, the X80K is substantially thicker than the Samsung Q60B (2.83 vs. 1 inch), which could be a consideration if you want as flush a wall-mount as possible.
I like Sony's simple remote. The keys are laid out in familiar fashion and the requisite shortcut buttons for YouTube, Netflix, Disney Plus and Prime Video are onboard, and I appreciated the dedicated input key that some clickers lack. I could do without the number key and another dedicated to an over-the-air grid guide at the bottom, but some users might appreciate them.
James Martin/CNET
Google TV: Feature-rich and promo-heavy
Among all of the smart TV systems I like Google TV second-best, after Roku, and its implementation on the Sony X80K is the TV's best feature. Highlights include excellent voice results thanks to Google Assistant, tight integration with Google apps in particular YouTube and YouTube TV, and more apps overall, thanks to the Play store, than proprietary systems like Samsung and LG.
Responses were quick enough but felt a step behind most Roku TVs I've used. Once I selected a profile it took a long second or two for the main For You home page to populate with thumbnails, for example. I didn't love the large chunk of space at the top devoted to promotions of shows and movies on various services. I also wish the "continue watching" row was higher-up rather than placed below the "top picks for you" and apps rows. Top picks seemed to take into account my preferences for sci-fi shows and movies once I went through the "improve your recommendations" screen, but there was still plenty of content I didn't care about. Suggestions across different apps are a fine idea, but I personally the simplicity of Roku app-centric menus.
James Martin/CNET
Google TV's profiles worked well. I was easily able to set up a kid's profile, and I appreciated that appropriate apps like YouTube Kids and PBS Kids were suggested for me to add, and that Netflix automatically invoked the kids profile. During setup I was also prompted to set screen time limits, create a profile picture and more. Google TV's system provides better parental controls than Roku, although Fire TV is similarly robust.
Modest features, extra connections
Key features
Display technology
LED LCD
LED backlight
Direct
Resolution
4K
HDR compatible
HDR10 and Dolby Vision
Smart TV
Google TV
Remote
Standard with voice
As an entry-level TV the X80K's lack major picture-enhancing extras. It has a 60Hz refresh rate rather than 120Hz, although it does offer smoothing, aka the soap opera effect, if you want to turn it on. It supports Dolby Vision and Dolby Atmos formats, as well as standard HDR10, as do many other mid-priced TVs.
Four HDMI inputs (One with eARC)
Two USB 2.0 ports
Composite AV input (3.5mm)
Optical digital audio output
RF (antenna) input
Ethernet (LAN) port
Physical connections are better than many basic TVs' however, with a fourth HDMI as well as analog video. It's also the least-expensive TV so far to include an ATSC 3.0 tuner, so it's ready for NextGen TV broadcasts. Such broadcasts are rare today and once they become more common you'll be able to buy a tuner box to allow any TV to watch them, but it's a nice extra on the Sony nonetheless.
James Martin/CNET
Picture quality comparisons
I set up the 55-inch Sony X80K next to its direct competitor from Samsung, as well as less expensive Fire TV and a TCL with superior picture quality specifications. Here's the lineup:
Samsung QN55Q60B Amazon Fire TV Omni TCL 65R646
TV and movies: The Sony delivered the second-worst picture in the lineup overall, beating out only the Omni. Its main weakness was relatively weak contrast, caused by both lighter (worse) black levels and dimmer highlights than the Samsung.
Watching Hustle on Netflix, for example, the black around the credits and the shadows in the locker room were lighter and less realistic than on the other TVs, if only slightly worse than the Samsung and the Omni. The Samsung was also significantly brighter than the Sony in its most accurate picture modes, which made the film's HDR image pop more in comparison. The skin tones of Adam Sandler and the basketball players looked truer than the Samsung and Omni, but overall I preferred the Samsung's picture by a hair.
The story was similar with the challenging Spears and Munsil 4K HDR Benchmark montage on Blu-ray, where the Samsung looked a bit brighter than the Sony. Both outperformed the Omni, which showed less high-level detail in snowscapes for example, but the difference wasn't enough to justify the Sony's much higher price.
The TCL, meanwhile, was superior in pretty much every way to the others, with excellent contrast, deep black levels and powerful brightness that made the Sony, Samsung and Fire TV pale by comparison.
James Martin/CNET
Gaming: Playing Horizon Forbidden West, color was more realistic and accurate on the Sony, and similar to the TCL and LG, while the Samsung in every mode appeared more saturated and, well, game-y. Again the Samsung won for contrast and punch, handily, although to its credit the Sony revealed more details in the shadows, which is an advantage in dark games with enemies lurking in the shadows. The Sony lacked the comprehensive gaming stats display of the Samsung and both had similar (excellent) input lag, but overall I preferred the Samsung's punchier look. The TCL, meanwhile, combined a brighter image than either one with excellent shadow detail and, yes, colors as accurate (and better-looking) than the Sony.
Bright lighting: The Sony measured relatively dim, backing up my subjective impressions, and both it and the Samsung were less-bright than the TCL and a less-expensive Vizio, both equipped with local dimming. Below are my measurements in nits for select comparison TVs in their brightest and most accurate picture modes, using both standard dynamic range (SDR) and high dynamic range (HDR) test patterns.
Light output in nits
TV
Brightest mode (SDR)
Accurate mode (SDR)
Brightest mode (HDR)
Accurate mode (HDR)
TCL 65R635
1,114
792
1,292
1,102
Vizio M65Q7-J01
791
562
764
631
Samsung QN55Q60B
549
343
540
514
Sony KD-55X80K
369
357
446
387
LG OLED65C2
413
389
812
759
Despite its lower light output numbers the Sony is still bright enough for all but the most light-filled viewing environments. As with most TVs, the brightest modes for HDR and SDR (Game and Vivid, respectively) are less accurate. For the accurate results listed above I used Custom mode and I recommend X80K owners do the same to get good color in bright rooms. Note that with SDR, you'll need to disable the Auto Energy Saving setting (Settings > Display & Sound > Picture > Light Sensor > Off) to get full brightness.
The Samsung's screen was better than that of the Sony at dealing with bright reflections in the room. Sitting under bright lights, I saw my reflection in the black screen of the X80K more clearly (and it was more distracting) than in any of the other TV screens.
Uniformity and viewing angle: The screen of the X80K sample I reviewed showed no major issues with bright spots or dark areas, and in test patterns appeared more uniform than the Omni and similar to the other displays. Watching hockey I saw very little evidence of irregularities as the camera panned across the ice. From off-angle the Samsung maintained superior black level and contrast but Sony had better color, much like the TVs' respective performance from straight on.
James Martin/CNET
Picture settings notes
The most accurate settings were Cinema and Custom mode for both HDR and SDR, and Custom measured slightly more accurate so I went with that. Game is best for gaming, thanks to its low input lag, and color was similar to Custom and exceedingly accurate.
The X80K offers settings that engage smoothing, aka the soap opera effect, as I prefer to turn it off for TV shows and movies. You can experiment with the settings (Settings > Display & Sound > Picture > Motion > Motionflow > Custom) and it's off by default in the Cinema and Custom modes.
Geek box
SDR
Result
Score
Black luminance (0%)
0.075
Poor
Peak white luminance (SDR)
357
Average
Avg. gamma (10-100%)
2.46
Poor
Avg. grayscale error (10-100%)
2.27
Good
Dark gray error (30%)
2.07
Good
Bright gray error (80%)
3.04
Average
Avg. color checker error
3.08
Average
Avg. saturation sweeps error
2.52
Good
Avg. color error
2.67
Good
Input lag (Game mode)
11.93
Good
HDR10
Black luminance (0%)
0.084
Poor
Peak white luminance (10% win)
446
Poor
Gamut % UHDA/P3 (CIE 1976)
94.73
Average
ColorMatch HDR error
8.08
Poor
Avg. color checker error
1.54
Good
Input lag (Game mode, 4K HDR)
11.67
Good
See How We Test TVs for more details.
Portrait Displays Calman calibration software was used in this review.
§
NextGen TV, aka ATSC 3.0, is continuing its rapid rollout across the country. Major markets like Los Angeles, Atlanta, Denver, Houston and more all have stations transmitting. Meanwhile New York, Boston, and many other markets are slated to have broadcasts later this year. While not every station in every market has a NextGen TV counterpart, more and more are coming on the air.
What's NextGen TV? It's an update to the free HDTV you can already get over-the-air in nearly every city in the US. There's no monthly fee, but you do need either a new TV with a built-in tuner or a standalone external tuner. The standard allows broadcast stations to send higher quality signals than ever before with features like 4K, HDR, 120 Hz, and more. ATSC 3.0 proponents also claim better reception indoors and on-the-go -- whether it's on your phone, or even in your car. The best part is that if you're watching it on your TV it uses the same standard antennas available today.
One potential downside? ATSC 3.0 will also let broadcasters track your viewing habits, information that can be used for targeted advertising, just like companies such as Facebook and Google use today.
Read more:Best TV antennas for cord cutters, starting at just $10
NextGen TV to you
ATSC.org
Here's the top-line info:
If you get your TV from streaming, cable or satellite, NextGen TV/ATSC 3.0 won't affect you at all.
The transition is voluntary. Stations don't have to switch. Many have already, however, for reasons we'll explain below.
It's not backwards-compatible with the current HD standard (ATSC 1.0), so your current TV won't be able to receive it. Your current antenna should work fine though.
Stations that switch to NextGen TV will still have to keep broadcasting ATSC 1.0 for five years.
There are multiple models and sizes of TV with built-in tuners available now from Hisense, LG, Sony, Samsung and others.
As of the beginning of 2022 the majority of the largest markets in the US have at least one channel broadcasting NextGen TV. By the end of 2022, nearly all major and many minor markets will have multiple channels .
Here's the map of actual stations as of January 2022. Orange denotes stations that are live now. Blue is launching before summer. White sometime after the summer.
ATSC
How it will work in your home
Put simply: If you connect an antenna to your TV you will receive free programming, just like most people can get now. Yet, that is selling the potential benefits of NextGen TV short.
NextGen TV is IP-based, so in practice it can be moved around your home just like any internet content can right now. For example, you connect an antenna to a tuner box inside your home, but that box is not connected to your TV at all. Instead, it's connected to your router. This means anything with access to your network can have access to over-the-air TV, be it your TV, your phone, your tablet or even a streaming device like Apple TV. There will be traditional tuners as well, of course, but this is a new and interesting alternative.
This also means it's possible we'll see mobile devices with built-in tuners, so you can watch live TV while you're out and about, like you can with Netflix and YouTube now. How willing phone companies will be to put tuners in their phones remains to be seen, however. You don't see a lot of phones that can get radio broadcasts now, even though such a thing is easy to implement. We'll talk more about that in a moment.
'Voluntary'
In November of 2017, the Federal Communications Commission approved ATSC 3.0 as the next generation of broadcast standard, on a "voluntary, market-driven basis" (PDF). It also required stations to continue broadcasting ATSC 1.0 (i.e. "HD"). This is actually part of the issue as to why it's voluntary.
During the mandatory DTV transition in the early 2000s, stations in a city were given a new frequency (channel, in other words), to broadcast digital TV, while they still broadcast analog on their old channel. These older channels were eventually reclaimed by the FCC for other uses when the proverbial switch was flipped to turn off analog broadcasts. Since a changeover isn't occurring this time around, stations and markets are left to themselves how best to share or use the over-the-air spectrum in their areas.
Because there's no new bandwidth, broadcasters will temporarily share transmitters. Two or more stations will use one tower for ATSC 1.0 (HD) broadcasts and those stations will use another tower for ATSC 3.0 (UHD) broadcasts. This will mean a temporary reduction in bandwidth for each channel, but potentially a limited impact on picture quality due to the better modern HD encoders. More info here.
ATSC/TVTechnology.com
While it's not a mandatory standard, many broadcasters still seem enthusiastic about NextGen. At the beginning of the roll-out, then executive vice president of communications at the National Association of Broadcasters Dennis Wharton told CNET that the improvement in quality, overall coverage and the built-in safety features mean that most stations would be enthusiastic to offer ATSC 3.0.
John Hane, president of the Spectrum Consortium (an industry group with broadcasters Sinclair, Nexstar and Univision as members), was equally confident: "The FCC had to make it voluntary because the FCC couldn't provide transition channels. [The industry] asked the FCC to make it voluntary. We want the market to manage it. We knew the market would demand it, and broadcasters and hardware makers in fact are embracing it."
Given the competition broadcasters have with cable, streaming and so on, 3.0 could be a way to stabilize or even increase their income by offering better picture quality, better coverage and, most importantly, targeted ads.
Ah yes, targeted ads…
Broadcast TV will know what you're watching
One of NextGen TV's more controversial features is a "return data path," which is a way for the station you're watching to know you're watching. Not only does this allow a more accurate count of who's watching what shows, but it creates the opportunity for every marketer's dream: targeted advertising.
Ads specific to your viewing habits, income level and even ethnicity (presumed by your neighborhood, for example) could get slotted in by your local station. This is something brand-new for broadcast TV. Today, over-the-air broadcasts are pretty much the only way to watch television that doesn't track your viewing habits. Sure, the return data path could also allow "alternative audio tracks and interactive elements," but it's the targeted ads and tracking many observers are worried about.
The finer details are all still being worked out, but here's the thing: If your TV is connected to the internet, it's already tracking you. Pretty much every app, streaming service, smart TV and cable or satellite box all track your usage to a greater or lesser extent.
Return data path is still in the planning stages, even as the other aspects of NextGen TV are already going live. There is a silver lining: There will be an opt-out option. While it also requires Internet access, if this type of thing bothers you, just don't connect your TV or NextGen TV receiver to the internet. You will inevitably lose some of the other features of NextGen TV, however.
That said, we'll keep an eye on this for any further developments.
Free TV on your phone?
Another point of potential contention is getting ATSC 3.0 tuners into phones. At a most basic level, carriers like AT&T, Verizon and T-Mobile are in the business of selling you data. If suddenly you can get lots of high-quality content for free on your phone, they potentially lose money. Ever wonder why your phone doesn't have an FM radio tuner? Same reason.
T-Mobile made a preemptive strike along those lines all the way back in September 2017, writing a white paper (PDF) that, among other things, claims, "In light of the detrimental effects that inclusion of ATSC 3.0 can have on the cost and size of a device, the technology trade-offs required to accommodate competing technologies, and the reduced performance and spectral efficiency that it will have for other mobile bands and services, the decision as to whether to include ATSC 3.0 in a device must be left to the market to decide."
"The market" determined you didn't need an FM tuner in your phone, and in the few phones that had an FM tuner, if you bought it through an American provider, it was almost always disabled.
TV broadcasters, on the other hand, are huge fans of ATSC 3.0 on mobile phones. It means more potential eyeballs and, incidentally, a guarantee of active internet access for that return data path. John Hane of the Spectrum Consortium feels that tuners built into phones is "inevitable," and that international adoption of ATSC 3.0 will help push it forward. Wharton says that the focus is getting TVs to work, but mobile is in the plan.
Then there's portable TVs, of which there are HD versions on the market and have been for years. The next-generation ATSC 3.0 versions of these will likely get better reception in addition to the higher resolution offered by the new standard.
Sarah Tew/CNET
Cost (for you)
NextGen TV is not backward compatible with current TV tuners. To get it, you'll eventually need either a new TV or an external tuner.
However, you shouldn't feel a push to upgrade since:
1. NextGen TV/ATSC 3.0 isn't mandatory, and it doesn't affect cable, satellite or streaming TV.
2. HD tuners cost as little as $30 to $40 now, and NextGen TV tuners, which currently sell between $200 and $300, will eventually be cheap as well.
3. Even after they start NextGen broadcasts, stations will have to keep broadcasting regular old HD.
Here's the actual language:
"The programming aired on the ATSC 1.0 simulcast channel must be 'substantially similar' to the programming aired on the 3.0 channel. This means that the programming must be the same, except for programming features that are based on the enhanced capabilities of ATSC 3.0, advertisements and promotions for upcoming programs. The substantially similar requirement will sunset in five years from its effective date absent further action by the Commission to extend it."
In other words, the HD broadcast has to be essentially the same as the new 3.0 broadcast for five years, perhaps longer depending on future FCC actions.
Which brings us to point 3. By the time people had to buy them, HD tuners were inexpensive and are even more so now. The HD tuner I use is currently $26 on Amazon. The first generation NextGen tuners available now are more expensive than that, though they're not outrageous. We'll discuss those below. By the time anyone actually requires one, however, they'll almost certainly be affordable.
Which is good, because there aren't any planned subsidies this time around for people to get a tuner for cheap. I'm sure this is at least partly due to how few people actually still use OTA as their sole form of TV reception. Maybe this will change as more stations convert, but we're a ways away from that.
As you can see, there are lots of parts that need to get upgraded all along the chain before you can get 3.0 in your home.
ATSC/TVTechnology.com
Here's another way to think about it: The first HD broadcasts began in the mid-90s, but when did you buy your first HDTV? As far as the 3.0 transition is concerned we're in the late-90s, maybe generously the early 2000s, now. Things seem like they're moving at a much more rapid pace than the transition from analog to DTV/HDTV, but even so, it will be a long time before ATSC 3.0 completely replaces the current standard.
How to get NextGen right now
LG
If you want to check it out for yourself, many of you already can. The first stop is to go to WatchNextGenTV.com. That website will help you find what stations in your area are broadcasting, or which ones will soon.
Next up you'll need something to receive it. If you're in the market for a new TV there are several options available from Hisense, LG, Samsung, and Sony. Here's our list of all the 2022 TVs with built-in next-gen tuners.
If you want to check out NextGen TV without buying a new television, you'll need an external tuner. It's still early days, so there aren't many options.
The Tablo ATSC 3.0 Quad HDMI DVR
Nuvvyo
At CES 2022 Nuvvyo announced the Tablo, a quad-tuner box that can connect to a TV directly, or transmit over a network to Rokus, Apple TVs, or computers on your home network.
The Silicon Dust has two models, the $199 HomeRun Flex 4K and the $279 HomeRun Scribe 4K. Both have ATSC 1.0 and 3.0 tuners.
If you want a more traditional tuner, BitRouter plans to start shipping its first ZapperBox M1 tuners in the spring. You can reserve one now for $249. It doesn't have internal storage, but BitRouter plans to add the ability to save content on network-attached storage, or NAS, devices via a firmware update. They also plan to add the ability to send the content around your home network, like what the Scribe 4K does.
Zapperbox
Then there's what to watch. Being early in the process, you're not going to find much 4K content, possibly not any. This was the same with the early years of HDTV. It's also going to vary per area. There is certainly a lot of 4K content being produced right now, and that has been the case for several years. So in that way, we're in better shape than we were in the early days of HD.
Basic and paid cable channels over-the-air?
One company is using the bandwidth and IP nature of NextGen to do something a little different. It's a hybrid paid TV service, sort of like cable/satellite, but using over-the-air broadcasts to deliver the content. It's called Evoca, and right now it's available only in Boise, Idaho. Edge Networks is the company behind it, and it wants to roll it out to other small markets where cable offerings are limited, and broadband speeds are slow or expensive.
It's an interesting idea for underserved and often forgotten-about markets.
Read more: Cable TV channels and 4K from an antenna?
Seeing the future
The transition from analog broadcasting to HD, if you count from the formation of the Grand Alliance to the final analog broadcast, took 16 years.
Though many aspects of technology move rapidly, getting dozens of companies, plus the governments of the US and many other countries, all to agree to specific standards, takes time. So does the testing of the new tech. There are a lot of cogs and sprockets that have to align for this to work, and it would be a lot harder to fix once it's all live.
But technology moves faster and faster. It's highly doubtful it will take 16 years to fully implement NextGen TV. As we mentioned at the top, dozens of stations are already broadcasting. Will every station in your city switch to NextGen TV? Probably not, but the bigger ones likely will. This is especially true if there are already other NextGen TV stations in your area. There's a potential here for stations to make additional money in the long run with 3.0, and that's obviously a big motivator.
There's also the question of how much content there will be. If it follows the HDTV transition model, big sporting events in 4K HDR will come first, followed by lots and lots of shows featuring nature scenes and closeups of bugs. Seriously -- this was totally a thing. Then we'll see a handful of scripted prime-time shows. My guess would be the popular, solidly profitable ones that are produced (not just aired) by networks like CBS and NBC.
So should you hold off buying a new TV? Nope, not unless you only get your shows over the air. And even if you do, by the time there's enough content to be interesting, there will be cheap tuner boxes you can connect to whatever TV you have.
For now, NextGen TV seems to be well on its way.
As well as covering TV and other display tech, Geoff does photo tours of cool museums and locations around the world, including nuclear submarines, massive aircraft carriers, medieval castles, epic 10,000 mile road trips, and more. Check out Tech Treks for all his tours and adventures.
He wrote a bestselling sci-fi novel about city-size submarines, along with a sequel. You can follow his adventures on Instagram and his YouTube channel.
The race to build AR glasses is heating up, and Samsung is surprisingly quiet
The race to build AR glasses is heating up, and Samsung is surprisingly quiet
It's only January, but 2022 is already shaping up to be a big year for augmented and virtual reality. It was one of the most prevalent themes at CES, which featured AR and VR announcements from Sony, Microsoft and Qualcomm (among others). Apple is also rumored to finally make its anticipated move into the smart headset space this or next year.
Yet, one company has been unusually quiet on the AR and VR front in recent years: Samsung.
The South Korean tech giant made a name for itself early on primarily through its line of Gear VR smartphone-based headsets, which launched in 2014. But companies like Meta, Microsoft and Snap have made bigger strides in the past couple of years.
Samsung has a reputation for experimenting with new technologies early and often, typically before other major competitors like Apple. Its decision to enter the Android smartphone market early -- more than a decade ago -- also helped it become the world's largest mobile device maker in terms of market share. That makes Samsung's relative absence from the smart glasses discourse all the more puzzling.
Smart glasses and VR are moving forward... without Samsung
Although it will likely be a long time before smart glasses become useful enough to earn a place in our everyday lives, the industry seems eager to get there. This year kicked off with a slew of announcements at CES, which included a partnership between Microsoft and Qualcomm to make custom chips for AR glasses and a glasses concept from TCL that look like an evolved version of Google Glass. Sony also teased the second-generation PlayStation VR, although it didn't reveal a price or launch date.
We also saw some pretty significant developments in the AR and VR space throughout 2021, perhaps the biggest of which was Facebook's rebranding as Meta. The change reflects its larger goal to expand beyond social networking and focus on building the "metaverse," a blanket term for digital communities which also encompasses AR and VR.
Meta is also currently leading the VR market thanks to its popular Oculus VR line. The company accounts for almost 75% of the market for AR and VR headsets, according to the International Data Corporation.
Snapchat parent Snap also debuted in 2021 its first wireless AR spectacles, which can display 3D effects over real surroundings and track hand movements. These glasses aren't available for the general public without an application and are primarily aimed at developers. But Snap has already released three generations of its photo-taking Snapchat Spectacles, a signal that it's serious about wearable tech.
Microsoft, meanwhile, was one of the early players in the AR and VR market with its first HoloLens AR headset back in 2015. It launched the second-generation model in 2019 and added 5G support in 2020.
Apple hasn't released VR or AR eyewear yet, but rumors that it could launch a headset this year are already making waves. The iPhone maker is expected to announce an AR and VR-capable headset mostly geared towards developers in 2022, which could lay the groundwork for a more ambitious pair of consumer-friendly AR glasses in the future, according to Bloomberg. But Apple may delay the headset's debut by several months because of development issues, possibly pushing it to 2023, according to a more recent Bloomberg report.
While we don't know when or if we'll ever see an Apple AR headset, CEO Tim Cook has been vocal about his enthusiasm for augmented reality. He told journalist Kara Swisher in April 2021 that he's seeing AR "take off" when used with phones and that the technology is critical to the company's future. The company has long offered tools for developers to build better AR apps for the iPhone in its ARKit platform, but it recently started building depth-sensing Lidar sensors into certain iPhone and iPad Pro models, too.
Snapchat's AR Spectacles are compact, but they're entirely developer-focused and have a very short battery life.
Scott Stein/CNET
Samsung, meanwhile, hasn't released a new version of its Gear VR headset since 2017. But that doesn't mean it's been completely quiet; the company is seemingly focusing on different executions of AR. At CES 2022, for example, one Samsung concept showed how AR could be incorporated into a car's windshield to display the weather, tire pressure levels, maps and other information. The company also worked with the 3D avatar and social app Zepeto to create a virtual home filled with its products during CES, an effort to prove it's paying attention to the metaverse hype.
Meanwhile, an older Samsung concept from CES 2020 involved pairing AR glasses with an exoskeleton to provide virtual workout experiences. And back in 2017, it showcased a computer glasses concept called Monitorless at Mobile World Congress.
Still, it's been a while since Samsung has made announcements around concrete AR or VR products, while companies like Meta and Snap are moving full steam ahead. But that doesn't mean Samsung isn't thinking about it. Two leaked videos from 2021 suggested Samsung is working on a pair of AR glasses that could project a giant screen before your eyes or place 3D virtual objects in your surroundings.
Samsung said its research team "continues to develop related core technologies for smart devices including AR glasses, next-generation wearables and more" when CNET asked about its plans for AR and VR products. The company also pointed to the website for Samsung's research division, which mentions AR glasses specifically and discusses the technology's potential benefits and industrywide challenges.
"AR glasses are expected by many experts as a next-generation IT device because they have the advantages of large-screen immersiveness compared to smartphones, unfettered freedom of not having to hold it, immediacy of not having to take it out of one's pocket, and a truly private display," Samsung Research's website reads.
Being early has worked to Samsung's advantage
The Galaxy Z Fold 3 has nearly all the refinements you could ask for but still feel like it's missing a purpose.
Patrick Holland/CNET
Samsung isn't usually one to sit on the sidelines when it comes to emerging technologies. It launched its first modern smartwatch, the Galaxy Gear, back in 2013 when the industry was still new and wearables were scarce. Apple didn't launch the first-generation Apple Watch until 2015, by comparison.
The story is similar for other technologies like curved screens and foldable smartphones. Samsung announced the Galaxy Round in 2013, which had dramatic curves along its sides, long before it integrated rounded edges into its more recent Galaxy phones.
Samsung was also among the first major companies to release a smartphone with a foldable screen in 2019 with the Galaxy Z Fold, a phone that's already on its third generation. Years before we had the Galaxy Z Fold or Galaxy Z Flip, Samsung also showcased its flexible display technology prototypes during events. It's still cranking out new concepts, as we saw at CES 2022.
The rest of the industry hasn't quite caught up with Samsung when it comes to foldable phones. Motorola, for example, has launched two versions of its foldable Razr, the last of which debuted in 2020, while Samsung has already released several foldables. Huawei, another early front-runner in the foldable space, only sells its flexible Mate X2 phone in China. Samsung, meanwhile, said it sold four times as many foldable phones in 2021 as it did in 2020.
Being early is a strategy that's paid off for Samsung in the broader smartphone space beyond foldables and in the smartwatch market. Samsung is the global leader in smartphone shipments, according to Counterpoint Research, and the second-largest player in the wearable device market, says the International Data Corporation.
Showing up early has also given Samsung the flexibility to experiment, see what customers respond to and incorporate that feedback into future products. Take the Galaxy Round, Samsung's curved screen phone from 2013, as an example. That phone never caught on, but maybe it wasn't supposed to.
Instead, the Galaxy Round helped pave the way for Samsung's later phone designs with more subtle curves, like the Galaxy S10 series. Samsung's early bet on larger-screened smartphones with the original Galaxy Note in 2011 not only influenced its own direction, but also helped usher in an industry-wide shift to bigger phones. And who knows if we would have the Galaxy Watch 4 without the original Galaxy Gear, which was deemed clunky and expensive nearly 10 years ago.
Smart glasses still face many challenges
Amazon is also trying its hand at smart glasses with the Echo Frames, which provide hands-free Alexa access.
James Martin/CNET
That we haven't heard much from Samsung on the smart glasses front makes me wonder if it'll skip that experimental phase and keep its earlier iterations behind closed doors. Of course, that's if Samsung is working on smart glasses at all, which is a big assumption.
And more broadly, smart glasses face challenges that must be solved before they can become as mainstream as smartphones or smartwatches. Those include improving battery life, phone compatibility and working easily with eyeglass prescriptions.
Does Samsung want to risk entering the market early, or wait out what could be a years-long process? Or could they launch simpler glasses in the meantime, similar to audio glasses from Amazon and Bose? Samsung is clearly thinking about some of these questions, as it says on its research website. What we don't know is when those efforts will materialize into a real product, if at all.
Who knows how long Samsung can afford to wait when companies like Meta and Microsoft are pushing forward. Those tech giants missed out on the smartphone boom for the most part and are seemingly determined to prevent the smart glasses market from becoming yet another two-horse race between Apple and Samsung. But the AR glasses landscape is still conspicuously missing some of the biggest players in the consumer tech space -- Samsung being one of them -- and that absence looms large.
