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Save More Than 50% on This Discounted XL Air Fryer Today

Save More Than 50% on This Discounted XL Air Fryer Today

Make a splash without the oil at your next dinner or event and feed everyone with this XL 8-quart digital air fryer. The innovative kitchen appliance is growing in popularity these days, and for good reason. Air fryers are versatile, and they can cook your fried foods to perfection without all the oil and mess of traditional fryers. Using the stovetop or a traditional deep fryer used to be the only way to enjoy hot and crispy deliciousness at home, but not without a cost to your health and kitchen surfaces. Air fryers give you a cleaner and healthier alternative that still lets you enjoy the foods you love.

Plus, this model has a 60-minute automatic shut-off, so you'll be less likely to burn your food. Save $80 when you grab the Chefman TurboFry XL digital 8-quart air fryer at Best Buy for just $70 during this one-day sale at Best Buy.

With 1700 watts of power and a convenient, easy-to-use digital touchscreen, this fryer provides even cooking throughout, with a temperature range of 200 to 400 degrees Fahrenheit. There are helpful preset buttons for poultry, fries, fish or other meats for one-touch ease and convenience. And you're not limited to those, as you can make countless other recipes in an air fryer, too. You can even make desserts! Plus, tidying up after your meal is a breeze, as both the nonstick fry basket and flat frying tray are removable and dishwasher safe. Not to mention the stainless steel exterior is easy to wipe off. Simplify cooking for a crowd and save money in the process before this deal disappears.  

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https://rautanped.kian.my.id/

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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. 

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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.

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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.

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https://residencey.costa.my.id/

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Save up to 58% on Toys for Learning With This Back to School Sale

Save up to 58% on Toys for Learning With This Back to School Sale

It's back-to-school season and that means a ton of educational items, including toys, are on sale. These educational toys are designed with exploration in mind to help children learn about science, math and other subjects in a fun and engaging way.

Amazon has toys discounted by up to 58% from Osmo, National Geographic, Snap Circuits and more. There are more than 80 toys on sale today. These offers end tonight.   

If you want to incorporate tech into your child's playtime, consider games from Osmo. The games require an Apple iPad or Amazon Fire tablet, but the idea is that children will interact with handheld pieces to learn about shapes, colors, letter formation, phonics and more while watching them come alive on the screen. The Little Genius starter kit is for ages 3 to 5 and is discounted by $40 today, bringing the price down to $80. There's also a Creative starter kit for ages 5 to 10 that focuses on drawing and word problems. It's 50% off, bringing the price to $35. 

The Smartivity Globe Explorer is a STEM learning toy designed for kids ages 8 and up that gives kids the opportunity to build their own globe, putting the wooden model together piece by piece and explore the concepts of geography, language, culture, art, trade and more along the way. There's even a free Globe Explorer app to allow kids to discover more about certain locations once it's assembled. It normally costs $53, but you can snag it for $28 right now.

For older kids, you can grab the Thames and Kosmos Physics Pro 2.0 science kit. It is designed for kids ages 10 and up, and it comes with 31 experiments to help pre-teens explore mechanical engineering though models and devices such as wind tunnels, hydraulic lifts and more. This $100 kit is marked down by 43% right now, bringing the price to $57. Through the experiments and models, kids will be introduced to advanced topics including fluid dynamics, energy, oscillation and pneumatics. 

There are lots of other options, too, including this Butterfly Garden kit for $30 that includes live caterpillars that you and your children can watch grow and transform into butterflies, this build-it-yourself interactive AI robot for $32, this Motors and Generators science kit for $18 and the 3D Ubongo geometric puzzle game for $25. Check out the entire sale selection at Amazon to find the perfect fit for your child's age and interests. 

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Best Car Loans and Lenders for August 2022

Best Car Loans and Lenders for August 2022

Finding the best rates and terms on a car loan can help you save hundreds or even thousands in interest. With interest rates rising and the cost of car insurance premiums increasing, it's important to shop around with different lenders to find the most affordable car loan for your new or used car.

An auto loan is a secured installment loan, which means the vehicle you purchase acts as collateral and can be subject to repossession if you fail to repay the loan. But the trade-off is a lower interest rate than with unsecured borrowing, such as a personal loan. You can apply for a car loan at a car dealership, bank, credit union or through an online lender. 

We'll lay out some of the basics here. Plus, we've evaluated the major national auto loan providers and highlighted the best options for new, used and private party (purchase of a car from a private seller) loans below. We'll update this list regularly as terms change and new loan products are released. Note that all the starting APRs listed assume an "excellent" credit score of 800 or above.

Rates as of Aug. 3, 2022.

PenFed Credit Union

• APR: Starting at 3.44% (new car loans through PenFed Car Buying Service), 4.84% (used car loans through PenFed Car Buying Service); Loans outside of this service start at 4.24% (new car loans) or 5.04% (used car loans) 
• Loan amounts: $500 to $100,000
• Loan terms: 36 to 84 months
• Minimum annual income: Not specified
• Availability: 50 states
• Prepayment penalty: No

Pentagon Federal Credit Union is a credit union that offers low auto loan rates for both new and used cars, through the PenFed Car Buying Service. You'll need to become a credit union member to use this service, but membership is open to everyone, and requires opening a savings account with a minimum $5 deposit. If you're not interested in using PenFed's program to buy a car, you can still secure lower-than-average rates on new and used cars purchased outside of the service.

With flexible loan terms extending up to seven years, nationwide availability and no prepayment penalties, PenFed is the contender to beat in the auto loan industry.

Consumers Credit Union

• APR: Starting at 3.49% (car loans for 2020 or newer vehicles) and 3.74% (car loans for 2016-2019 vehicles)
• Loan amounts: $250 to $100,000
• Loan terms: 0 to 84 months 
• Minimum annual income: Not specified
  
• Availability: Branches across Illinois, shared branches nationwide
• Prepayment penalty: No

Consumers Credit Union is an Illinois-based credit union that has recently opened membership nationwide. Though its auto loan rates for vehicles made prior to 2020 are average for the market, their new car loan rates are a great deal. Consumers Credit Union also offers significant flexibility, with the widest range of loan terms and amounts of the providers we evaluated.

You can become a member online with a valid ID, two recent pay stubs, two tax returns from recent years, five references, two utility bills and a one-time $5 fee to the Consumers Cooperative.

Lightstream

• APR: Starting at 3.99% (new and used car loans) and 4.99% (private party car loans) with Autopay 
• Loan amounts: $5,000 to $100,000
• Loan terms: 24 to 84 months
• Minimum annual income: Not specified
  
• Availability: Online
• Prepayment penalty: No

LightStream is an online lender under Truist Financial that offers low rates for private party car loans. Though its loan amounts and terms are of average flexibility, it offers a variety of auto loan options. It places no restrictions on model year, make or mileage, making it the ideal lender if you plan to purchase an older car. LightStream's slogan, "Lending Uncomplicated®," promises a simplified lending process that includes being able to fund your loan the same day you apply, under certain conditions. 

In order to access LightStream's best terms, you'll need to sign up for AutoPay. LightStream's lowest rate loans are also unsecured -- so your car won't be repossessed if you can't make your payments, but your credit will suffer. 

Bank of America

• APR: Starting at 4.24% (new car loans), 4.44% (used car loans), and 7.19% (private party loans)
• Loan amounts: $7,500 ($8,000 in Minnesota) to $100,000
• Loan terms: 48 to 72 months
• Minimum annual income: Not specified
  
• Availability: 50 states
• Prepayment penalty: No

As one of the world's largest banks, Bank of America offers unbeatable availability and great rates. Though you don't need to be a member of Bank of America to use its auto loan services, members may qualify for special perks. For example, if you qualify for Bank of America's Preferred Rewards program -- based on your qualifying combined balances in your BOA deposit and/or Merrill® investment accounts -- you can be eligible for up to 0.50% off your APR. 

But Bank of America's loan policies can lack variety. For example, it offers one of the least flexible loan terms on this list, with the shortest loan term set at 48 months. In addition, the minimum financing amount is $7,500, which rules out Bank of America as a loan financier for more inexpensive used vehicles.

U.S. Bank

• APR: Starting at 4.49% (for new and used car loans)
• Loan amounts: $5,000 to $100,000
• Loan terms: 12 to 72 months
• Minimum annual income: Not specified
  
• Availability: Branches in 26 states
• Prepayment penalty: 1% of the original loan amount, with a minimum charge of $50 and a maximum of $100

U.S Bank offers interest rates as low as 4.89% for both new and used cars, which makes it a great lender for those purchasing preowned vehicles. If approved, the U.S Bank offers financing of up to 120% of your car's value, with no down payment required. 

However, to lock in the lowest used car rates, you'll need to meet specific criteria: Next to have excellent credit, you must have a loan-to-value ratio of 80% or less, buy a used car that's less than 1 year old, have a loan amount of at least $30,000, a loan term of 36 months or less and an automatic payment set up from a U.S. Bank account. Though these requirements are stringent, the low auto loan rates make them worth it for certain buyers. 

What are the drawbacks? U.S. Bank's availability is limited to 26 states. Plus, it charges a prepayment penalty of 1% of the original loan amount if you pay off your loan within a year's time. 

Carvana

• APR: Starting at 3.9% (used cars only)
• Loan amounts: Not specified
• Loan terms: 36 to 72 months
• Minimum annual income: $4,000
  
• Availability: Not available in Alaska or Hawaii
• Prepayment penalty: No

Though Carvana is mostly known for its online used car shopping experience, it also offers auto loans on vehicles you buy through the site. Carvana's only requirements are that you're over 18, make $4,000 annually and have no active bankruptcies, so it's a great choice for those with poor credit. Furthermore, Carvana's wholly online model combines the buying and financing experience, making the process of purchasing a used car relatively painless. 

However, though Carvana makes it possible for customers with bad credit to obtain a loan, the best auto loan rates will always be reserved for those with excellent credit – and it's important to note that it offers, by far, the highest starting APR on our list. 

Best car loan lenders, compared

Lenders	PenFed CreditUnion	Consumers Credit Union	LightStream	Bank of America	U.S. Bank	Carvana
Best for	New car loans	Used car loans	Private party car loans	Big bank option	Short loan terms	Those with poor or no credit
APR for new car loans	Starting at 3.44% (through PenFed Car Buying Program)	Starting at 3.49 (car loans for 2020 or newer vehicles)	Starting at 3.99%	Starting at 4.24%	Starting at 4.49%	N/A
APR for used car loans	Starting at 4.84% (through PenFed Car Buying Program)	Starting at 3.74 (car loans for 2016-2019 vehicles)	Starting at 3.99%	Starting at 4.44%	Starting at 4.49%	Starting at 3.9%
APR for private party loans	N/A	N/A	Starting at 4.99%	Starting at 7.19%	N/A	N/A
Loan amount	$500 to $100,000	$250 to $100,000	$5,000 to 100,000	$7,500 ($8,000 in Minnesota) to $100,000	$5,000 to $100,000	Not specified
Repayment terms	36 to 84 months	0 to 84 months	24 to 84 months*	48 to 72 months	12 to 72 months	36 to 72 months
Credit requirement (estimate)	Not specified	Not specified	Good to Excellent	Not specified	Not specified	Accepts all credit, no active bankruptcies
Availability	All 50 states	Branches across Illinois, shared branches nationwide	Online	All 50 states	Branches in 26 states	Not available in Hawaii or Alaska

What to know when applying for an auto loan

While car loans usually have fixed interest rates and loan terms, they can often be negotiated, depending on your lender. Your loan rate will generally depend upon your credit score -- the higher your credit score, the lower your annual percentage rate. A higher credit score may also give you access to a larger loan amount or more favorable repayment terms.

Next, you should consider loan terms. Let's say you qualify for a 2.5% APR loan. You'll pay less interest over time with a shorter term loan, but your monthly payments will be higher. Similarly, you'll pay more in interest over time with a longer loan term, but your monthly payments will be lower. Consider your budget and financial goals to determine which loan term will work best for you.

As you consider lenders, find out if they offer a preapproval process. Preapproval allows you to see the rates you qualify for without a hard inquiry -- when a creditor pulls your credit history -- which can cause your credit score to slightly dip. It also allows you to review options upfront without having to commit to a particular lender.

Lenders reviewed:

• Autopay
• Bank of America
• Capital One
• Carvana
• Chase
• Consumers Credit Union
• LightStream
• MyAutoLoan
• PenFed Credit Union
• PNC
• U.S. Bank

*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rates range from 3.99%-10.49% APR w/AutoPay. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $10,000 loan at 3.99% APR with a term of 3 years would result in 36 monthly payments of $295.20.

© 2022 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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