Technology

(BPT) – It’s happened to almost everyone: you leave a job and have a retirement account that you are no longer actively contributing to. It sits there for months – maybe years – because you’re not sure exactly where to move it or what the process is li…

(BPT) – It’s happened to almost everyone: you leave a job and have a retirement account that you are no longer actively contributing to. It sits there for months – maybe years – because you’re not sure exactly where to move it or what the process is li…

(BPT) – The technology in our TV sets has changed a lot in the past decade. When it comes time to buy one, it’s easy to lose track of which features matter for a good TV-watching experience.

You might find a TV at a tempting price, but you don’t want to end up wasting money on a picture that blurs at the height of the action, looks distorted from side angles or doesn’t support the latest technology.

At the same time, does the expensive model and its alphabet soup of features really give you a better picture for the price?

“With all the new TVs hitting the market in the next few months, it can be tough to know what to buy and what the numbers mean,” says Katie Linendoll, tech expert, TODAY Show contributor and Emmy Award winner.

Since your TV set is a major source of entertainment for you and your family, it’s important to know what to look for before you start shopping. With Linendoll’s guidance on the latest TV features and technology, you’ll be sure to choose a TV set with the brightness, sharp images and vibrant colors you’re looking for. Because the last thing you want is to get stuck with a TV you’ll regret.

Screen type: OLED or LCD?

For starters, there are only two kinds of TV panel technologies available right now: OLED (pronounced “oh-led”) and LCD.

“OLED technology creates its own light, which means each pixel can be individually controlled and turned on or completely off,” says Linendoll. Plus, OLED delivers over one billion different shades of color — about 64 times the amount of a conventional TV.

Many experts who have performed detailed technical reviews have deemed OLED the best TV tech ever made. Combined with rave reviews and its super-slim design, this tech is worth paying a bit more in price.

Currently, OLED is available in various screen sizes from LG, who led the introduction of the category a few years ago, and Sony announced they will also release several OLED sets later this year.

Unlike OLED, LCD (liquid crystal display) requires a backlight to make the picture. Most of today’s LCD sets use LED lighting. LCD can create a bright, colorful picture but black levels will not be as dark as OLED, and some details can be lost in the shadows.

“This category of TV can still deliver very impressive picture quality, and it’s often very attractively priced,” says Linendoll.

While shopping for an LCD set, it’s important to know major manufacturers have different names for their premium LCD models. You might hear of Q-LED (an LCD TV that uses quantum dot technology) — not to be confused with OLED — as well as Super UHD or XBR.

Brighter, more colorful picture

One big improvement in recent years has been the expansion of color capabilities in TVs. Nano cell and quantum dot technology, for example, are designed primarily to deliver a bigger spectrum of color than conventional LCD sets, creating more realistic-looking pictures.

How does it work? Nano cell, which is only found in LG’s Super UHD TVs, uses extremely small particles (one nanometer in size), which provide more refined and accurate shades of color.

Viewing angles are important

Research shows that only about 10 percent of TV viewers sit directly in front of the TV, so viewing angle is extremely important. Moving even by as little as 10-15 degrees can make colors look washed out and black levels will start to degrade.

OLED TVs have the best performance at wide viewing angles; however, some LCDs, such as LG’s Super UHD sets, use a special LCD type for a wider viewing angle.

Sharper resolution

The more pixels you have, the better the image quality. If you picked up on the buzz about 4K “Ultra HD,” you know these TVs have more than 8 million pixels and display sharper, more lifelike images.

“Most new bigger-screen TVs you’d be considering, including OLED and LCD TVs, are 4K,” says Linendoll. A newer enhancement to 4K is called HDR or high dynamic range, giving you more shadow detail and natural bright highlights.

Be sure the set you’re looking at has 4K resolution and supports HDR; otherwise you will be missing out on what’s quickly becoming the gold standard in TV features.

(BPT) – The technology in our TV sets has changed a lot in the past decade. When it comes time to buy one, it’s easy to lose track of which features matter for a good TV-watching experience.

You might find a TV at a tempting price, but you don’t want to end up wasting money on a picture that blurs at the height of the action, looks distorted from side angles or doesn’t support the latest technology.

At the same time, does the expensive model and its alphabet soup of features really give you a better picture for the price?

“With all the new TVs hitting the market in the next few months, it can be tough to know what to buy and what the numbers mean,” says Katie Linendoll, tech expert, TODAY Show contributor and Emmy Award winner.

Since your TV set is a major source of entertainment for you and your family, it’s important to know what to look for before you start shopping. With Linendoll’s guidance on the latest TV features and technology, you’ll be sure to choose a TV set with the brightness, sharp images and vibrant colors you’re looking for. Because the last thing you want is to get stuck with a TV you’ll regret.

Screen type: OLED or LCD?

For starters, there are only two kinds of TV panel technologies available right now: OLED (pronounced “oh-led”) and LCD.

“OLED technology creates its own light, which means each pixel can be individually controlled and turned on or completely off,” says Linendoll. Plus, OLED delivers over one billion different shades of color — about 64 times the amount of a conventional TV.

Many experts who have performed detailed technical reviews have deemed OLED the best TV tech ever made. Combined with rave reviews and its super-slim design, this tech is worth paying a bit more in price.

Currently, OLED is available in various screen sizes from LG, who led the introduction of the category a few years ago, and Sony announced they will also release several OLED sets later this year.

Unlike OLED, LCD (liquid crystal display) requires a backlight to make the picture. Most of today’s LCD sets use LED lighting. LCD can create a bright, colorful picture but black levels will not be as dark as OLED, and some details can be lost in the shadows.

“This category of TV can still deliver very impressive picture quality, and it’s often very attractively priced,” says Linendoll.

While shopping for an LCD set, it’s important to know major manufacturers have different names for their premium LCD models. You might hear of Q-LED (an LCD TV that uses quantum dot technology) — not to be confused with OLED — as well as Super UHD or XBR.

Brighter, more colorful picture

One big improvement in recent years has been the expansion of color capabilities in TVs. Nano cell and quantum dot technology, for example, are designed primarily to deliver a bigger spectrum of color than conventional LCD sets, creating more realistic-looking pictures.

How does it work? Nano cell, which is only found in LG’s Super UHD TVs, uses extremely small particles (one nanometer in size), which provide more refined and accurate shades of color.

Viewing angles are important

Research shows that only about 10 percent of TV viewers sit directly in front of the TV, so viewing angle is extremely important. Moving even by as little as 10-15 degrees can make colors look washed out and black levels will start to degrade.

OLED TVs have the best performance at wide viewing angles; however, some LCDs, such as LG’s Super UHD sets, use a special LCD type for a wider viewing angle.

Sharper resolution

The more pixels you have, the better the image quality. If you picked up on the buzz about 4K “Ultra HD,” you know these TVs have more than 8 million pixels and display sharper, more lifelike images.

“Most new bigger-screen TVs you’d be considering, including OLED and LCD TVs, are 4K,” says Linendoll. A newer enhancement to 4K is called HDR or high dynamic range, giving you more shadow detail and natural bright highlights.

Be sure the set you’re looking at has 4K resolution and supports HDR; otherwise you will be missing out on what’s quickly becoming the gold standard in TV features.

(BPT) – American’s use of computers has shifted dramatically in the last five years. In the past, desktop computers were the main tools for accessing the Internet and communicating with others. Today, mobile devices like smartphones and tablets are taking over.

The use of mobile devices has skyrocketed, with nearly 7 out of 10 U.S. adults (68 percent) having a smartphone, up from 35 percent in 2011, according to the Pew Research Center. Tablet computer ownership is growing too, with 45 percent of adults owning this type of mobile device.

Mobile devices are popular because they provide instant access to virtually anything a person wants to do. From watching videos to online shopping and interacting on social media, mobile makes any task easy — and it’s all within an arm’s reach.

Along with this move to mobile devices comes a sharp increase in mobile data usage. Many Americans are quickly learning how expensive data on mobile devices can be.

One easy way to control mobile data costs is to connect mobile devices to your Wi-Fi network at home. Simply go into your devices’ settings, select Wi-Fi and make your home connection your default option. Most mobile devices will then automatically connect to your Wi-Fi when at home and reduce your mobile data consumption.

This is a useful technique, but what if you live in one of the 18 million households across the United States that does not have access to “traditional” wired Internet or are stuck with a slow connection?

The best solution for these households is satellite Internet. Hughes, the inventor of satellite Internet, has recently announced their new HughesNet Gen5 service. HughesNet Gen5 is the first and only U.S. satellite Internet service to offer Federal Communications Commission (FCC) defined broadband speeds — 25 Mbps download and 3 Mbps upload — from coast to coast. HughesNet Gen5 high-speed satellite Internet even comes with built-in Wi-Fi making it easy to connect wireless devices at home.

For these 18 million households, HughesNet Gen5 is a major breakthrough, providing speeds much faster than the slow DSL that many of these consumers are currently using.

In addition to fast speeds and built-in Wi-Fi, HughesNet Gen5 also comes with generous, affordable service plans. It is no longer necessary to rely on mobile data at home. Get the most out of your devices with a reliable, high-speed connection. HughesNet Gen5 lets you do more of what you love online, wherever you live. Learn more about HughesNet Gen5 at www.hughesnet.com.

(BPT) – American’s use of computers has shifted dramatically in the last five years. In the past, desktop computers were the main tools for accessing the Internet and communicating with others. Today, mobile devices like smartphones and tablets are taking over.

The use of mobile devices has skyrocketed, with nearly 7 out of 10 U.S. adults (68 percent) having a smartphone, up from 35 percent in 2011, according to the Pew Research Center. Tablet computer ownership is growing too, with 45 percent of adults owning this type of mobile device.

Mobile devices are popular because they provide instant access to virtually anything a person wants to do. From watching videos to online shopping and interacting on social media, mobile makes any task easy — and it’s all within an arm’s reach.

Along with this move to mobile devices comes a sharp increase in mobile data usage. Many Americans are quickly learning how expensive data on mobile devices can be.

One easy way to control mobile data costs is to connect mobile devices to your Wi-Fi network at home. Simply go into your devices’ settings, select Wi-Fi and make your home connection your default option. Most mobile devices will then automatically connect to your Wi-Fi when at home and reduce your mobile data consumption.

This is a useful technique, but what if you live in one of the 18 million households across the United States that does not have access to “traditional” wired Internet or are stuck with a slow connection?

The best solution for these households is satellite Internet. Hughes, the inventor of satellite Internet, has recently announced their new HughesNet Gen5 service. HughesNet Gen5 is the first and only U.S. satellite Internet service to offer Federal Communications Commission (FCC) defined broadband speeds — 25 Mbps download and 3 Mbps upload — from coast to coast. HughesNet Gen5 high-speed satellite Internet even comes with built-in Wi-Fi making it easy to connect wireless devices at home.

For these 18 million households, HughesNet Gen5 is a major breakthrough, providing speeds much faster than the slow DSL that many of these consumers are currently using.

In addition to fast speeds and built-in Wi-Fi, HughesNet Gen5 also comes with generous, affordable service plans. It is no longer necessary to rely on mobile data at home. Get the most out of your devices with a reliable, high-speed connection. HughesNet Gen5 lets you do more of what you love online, wherever you live. Learn more about HughesNet Gen5 at www.hughesnet.com.

(BPT) – How much data do you really need on your monthly cellular plan? Buy too much and you’re simply wasting money. Buy too little and you could end up socked with overage fees, or find your data speeds slowed significantly.

The average U.S. wireless customer consumes about 1.8 gigabytes (GB) of data each month, far below what’s included in many standard wireless plans. As a result, many carriers are beginning to shift away from rigidly structured monthly data allowances. Consumer Cellular, for instance, offers no-contract plans tailored to the 50-plus crowd that allow you to change your data plan whenever you need, without paying any additional fees.

Whether you’re a heavy or a light user, the data plan you choose represents a significant part of your investment in wireless service. By understanding some of the basics, as well as the potential pitfalls involved, you’re sure to find the plan that’s right for you.

How it’s measured

Anytime you send email, download a photo, stream video, view a web page, or post on social media, your phone is sending or receiving data. A megabyte (MB) and the larger gigabyte (GB) are the units used for measuring data.

It’s hard to determine exactly how much data an activity consumes, since file sizes and download times can vary significantly. As a general rule, for most cellphones, one megabyte of data is typically required to perform each of these tasks:

* Sending or receiving 50 emails, without attachments;
* Streaming 2 minutes of music;
* Viewing one web page;
* Posting three photos to your Facebook page;
* Watching 30 seconds of video on YouTube.

One gigabyte, equal to 1,000 megabytes, is consumed by:

* Sending or receiving 50,000 emails (without attachments);
* Streaming 33 hours of music;
* Viewing 1,000 web pages;
* Posting 2,800 photos to your Facebook page;
* Watching more than 8 hours of video on YouTube.

Tracking your usage

The best way to accurately assess your cellular data use is to review your monthly bill, which provides precise details about your utilization. Most carriers now even offer mobile account management apps so you can keep tabs right from your phone. This will give you a feel for how much you’re actually consuming, and let you develop an accurate forecast for the future.

In addition, both smartphone and iPhone models give you the ability to track overall usage, as well as the individual usage of specific apps, right from the Settings menu on your phone. You can choose to receive usage alert notifications from your carrier, either by text or email. These are helpful reminders that are triggered when you’ve used certain percentages of your monthly allotment of data. It helps to eliminate surprises and avoid running over your plan.

Unlimited has its limits

Regardless of how closely you track it, your data needs can fluctuate wildly from month to month. This is often due more to life events than technology; you might be in more places with Wi-Fi access one month versus the next. As a result, some cellular companies will push you to sign up for plans with a higher data cap, including expensive “unlimited” plans.

Like an all-you-can-eat buffet, most “unlimited” plans are more enticing than practical. In fact, some carriers promising “unlimited data” will actually limit your high-speed data to just a couple of gigabytes per month. Once you use up that allotment, you’ll have unlimited access, but it’s at much slower speeds. This makes it more difficult to load pages quickly, or to stream video, even though you’re paying a premium for “unlimited” access.

The choice is always yours

Cellular competition is fierce, so make sure you get what you pay for. Before you buy an unlimited plan, shop around. You may very well find a less costly plan that offers far more data than you’re likely to use.

Ultimately, your choice will be driven by the type of data user you are, or at least the one you plan to be. Invest time in a little analysis of your current habits. You’ll come away with the information you need to find the plan that fits both your needs and your budget.

(BPT) – How much data do you really need on your monthly cellular plan? Buy too much and you’re simply wasting money. Buy too little and you could end up socked with overage fees, or find your data speeds slowed significantly.

The average U.S. wireless customer consumes about 1.8 gigabytes (GB) of data each month, far below what’s included in many standard wireless plans. As a result, many carriers are beginning to shift away from rigidly structured monthly data allowances. Consumer Cellular, for instance, offers no-contract plans tailored to the 50-plus crowd that allow you to change your data plan whenever you need, without paying any additional fees.

Whether you’re a heavy or a light user, the data plan you choose represents a significant part of your investment in wireless service. By understanding some of the basics, as well as the potential pitfalls involved, you’re sure to find the plan that’s right for you.

How it’s measured

Anytime you send email, download a photo, stream video, view a web page, or post on social media, your phone is sending or receiving data. A megabyte (MB) and the larger gigabyte (GB) are the units used for measuring data.

It’s hard to determine exactly how much data an activity consumes, since file sizes and download times can vary significantly. As a general rule, for most cellphones, one megabyte of data is typically required to perform each of these tasks:

* Sending or receiving 50 emails, without attachments;
* Streaming 2 minutes of music;
* Viewing one web page;
* Posting three photos to your Facebook page;
* Watching 30 seconds of video on YouTube.

One gigabyte, equal to 1,000 megabytes, is consumed by:

* Sending or receiving 50,000 emails (without attachments);
* Streaming 33 hours of music;
* Viewing 1,000 web pages;
* Posting 2,800 photos to your Facebook page;
* Watching more than 8 hours of video on YouTube.

Tracking your usage

The best way to accurately assess your cellular data use is to review your monthly bill, which provides precise details about your utilization. Most carriers now even offer mobile account management apps so you can keep tabs right from your phone. This will give you a feel for how much you’re actually consuming, and let you develop an accurate forecast for the future.

In addition, both smartphone and iPhone models give you the ability to track overall usage, as well as the individual usage of specific apps, right from the Settings menu on your phone. You can choose to receive usage alert notifications from your carrier, either by text or email. These are helpful reminders that are triggered when you’ve used certain percentages of your monthly allotment of data. It helps to eliminate surprises and avoid running over your plan.

Unlimited has its limits

Regardless of how closely you track it, your data needs can fluctuate wildly from month to month. This is often due more to life events than technology; you might be in more places with Wi-Fi access one month versus the next. As a result, some cellular companies will push you to sign up for plans with a higher data cap, including expensive “unlimited” plans.

Like an all-you-can-eat buffet, most “unlimited” plans are more enticing than practical. In fact, some carriers promising “unlimited data” will actually limit your high-speed data to just a couple of gigabytes per month. Once you use up that allotment, you’ll have unlimited access, but it’s at much slower speeds. This makes it more difficult to load pages quickly, or to stream video, even though you’re paying a premium for “unlimited” access.

The choice is always yours

Cellular competition is fierce, so make sure you get what you pay for. Before you buy an unlimited plan, shop around. You may very well find a less costly plan that offers far more data than you’re likely to use.

Ultimately, your choice will be driven by the type of data user you are, or at least the one you plan to be. Invest time in a little analysis of your current habits. You’ll come away with the information you need to find the plan that fits both your needs and your budget.

(BPT) – Come tax time, many people work to locate tax breaks. While this is always a smart financial move, a little-known way to help build your net worth is to keep taxes top of mind throughout the entire year.

Reducing taxes means you keep more of what you earn, according to Nick Holeman, a financial planning expert at Betterment.com.

“You can’t control the stock market, but you can control some of your taxes,” Holeman said. “Knowing how your investments affect your tax bill can help you save money not just on April 15th, but for years to come.”

Check to see whether your long-term investment strategy is running efficiently with these tips from Holeman.

Invest your tax refund: One smart place to invest your tax refund is in an IRA. Normally, investors might divert a portion of the refund into this account as part of a well-rounded investment strategy and claim the deductions for next year’s tax time. Invest your refund, and you may get a portion of that back in tax savings. Stay in the habit of investing that refund if you can and watch those small returns add up over time.

Think several moves ahead: Investing is complex and from time to time you will have to sell some of your investments; everybody does. It might be to rebalance your portfolio or maybe your goals have changed and your investments no longer match their intended purpose.

Still, smart investors need to think ahead before blindly selling parts of their portfolio. This is because selling could potentially lead to taxes. By carefully choosing which investments to sell, you can help minimize that hefty tax consequence.

One way to do this is to partner with an investment company that has the tools to make this information easy to access and understand. Betterment.com, for example, offers Tax Impact Preview, which lets investors see estimated potential tax on a sale before making the trade. If you don’t think the pros outweigh the cons, don’t do it.

Reorganize your investments: Another way to potentially leverage even small tax advantages into long-term growth is to build your portfolio like an energy-efficient engine, built to run for more miles with less need to refuel. You can help accomplish this by reorganizing your portfolio. Move inefficient investments like international stocks and other assets that are taxed more often into a tax-deferred account, such as an IRA or a Roth IRA. That way, you can enjoy the high growth for less tax. Then, move less-taxed assets, such as municipal bonds, into taxable accounts.

Benefit from losses: Help keep your portfolio in balance by selling off the laggards and replacing them with a similar investment. You can receive a tax deduction from your losses that can help cancel out the taxes you owe on assets that have gains. This is done automatically for investors at many automated services through a strategy called tax loss harvesting. Smart investors should always remember that investments involve risk and may result in loss.

Give to a worthy cause: While it’s important to secure your future, many investors see community support as an important goal. Consider donating a to a nonprofit organization in your community. Not only are you helping to improve the quality of life in your locale, you can potentially claim a deduction from your income tax. It can pay to do the right thing.

(BPT) – Come tax time, many people work to locate tax breaks. While this is always a smart financial move, a little-known way to help build your net worth is to keep taxes top of mind throughout the entire year.

Reducing taxes means you keep more of what you earn, according to Nick Holeman, a financial planning expert at Betterment.com.

“You can’t control the stock market, but you can control some of your taxes,” Holeman said. “Knowing how your investments affect your tax bill can help you save money not just on April 15th, but for years to come.”

Check to see whether your long-term investment strategy is running efficiently with these tips from Holeman.

Invest your tax refund: One smart place to invest your tax refund is in an IRA. Normally, investors might divert a portion of the refund into this account as part of a well-rounded investment strategy and claim the deductions for next year’s tax time. Invest your refund, and you may get a portion of that back in tax savings. Stay in the habit of investing that refund if you can and watch those small returns add up over time.

Think several moves ahead: Investing is complex and from time to time you will have to sell some of your investments; everybody does. It might be to rebalance your portfolio or maybe your goals have changed and your investments no longer match their intended purpose.

Still, smart investors need to think ahead before blindly selling parts of their portfolio. This is because selling could potentially lead to taxes. By carefully choosing which investments to sell, you can help minimize that hefty tax consequence.

One way to do this is to partner with an investment company that has the tools to make this information easy to access and understand. Betterment.com, for example, offers Tax Impact Preview, which lets investors see estimated potential tax on a sale before making the trade. If you don’t think the pros outweigh the cons, don’t do it.

Reorganize your investments: Another way to potentially leverage even small tax advantages into long-term growth is to build your portfolio like an energy-efficient engine, built to run for more miles with less need to refuel. You can help accomplish this by reorganizing your portfolio. Move inefficient investments like international stocks and other assets that are taxed more often into a tax-deferred account, such as an IRA or a Roth IRA. That way, you can enjoy the high growth for less tax. Then, move less-taxed assets, such as municipal bonds, into taxable accounts.

Benefit from losses: Help keep your portfolio in balance by selling off the laggards and replacing them with a similar investment. You can receive a tax deduction from your losses that can help cancel out the taxes you owe on assets that have gains. This is done automatically for investors at many automated services through a strategy called tax loss harvesting. Smart investors should always remember that investments involve risk and may result in loss.

Give to a worthy cause: While it’s important to secure your future, many investors see community support as an important goal. Consider donating a to a nonprofit organization in your community. Not only are you helping to improve the quality of life in your locale, you can potentially claim a deduction from your income tax. It can pay to do the right thing.