A couple watching TV

Big-Screen TVs: How to Buy the Right Size

Updated December 4, 2016 . AmFam Team

When it comes to TVs there are a lot of differences. Use this handy guide to determine what TV is right for you and your space.

Ready to upgrade your TV and take your home entertainment to the next level? Before you head off to your local big box store or add that awesome new screen to your online cart, make sure you know just what you need. Because when it comes to TVs there’s a lot of information out there.

Need some help navigating the seas of available TVs? Use these tips to get the right one for any room — from man cave to she shed!

Think About Your TV Budget

Generally speaking, the bigger the TV, the more thrilling the view — and the bigger the price tag. So before you get your heart set on that 90-inch giant, think about how much you want to, or can, spend. And keep your eyes open for smart deals. Typically, the holidays are a great time to TV shop.

Another budget tip when shopping electronics and especially televisions: the longer you wait, the cheaper they are. High-tech home equipment evolves rapidly, and that means new sets are always cropping up, forcing the price of slightly outdated technology way down. If you don’t need or want the newest bells and whistles, you can really score a deal.

Figure Out Where Your New TV Will Go

Where will your new television go? Thinking about a wall mount? Or a cabinet in the corner? It’s easy to envision when you’re standing in the room. But when you’re staring at all those flashy screens, it can get tricky. A simple solution: have a room photo handy when you shop. A layout reminder makes things a lot easier.

How Much Space Will Your TV Need

Once you know what your budget can take on and have a general idea of where the TV will go, the next step is to figure out just how much TV your room can hold. Grab the tape measure and get a few simple measurements of your wall or space to make sure the one you really like will actually fit. If you’re trying to fit your television into a wall unit or entertainment center, remember to leave at least an inch of ventilation space around the set.

Where Should You Sit to Get the Best TV View?

Not sure how far or how close you should sit? A little math can be really helpful. For a 1080p HDTV, experts suggest a viewing distance 1 ½ to 2 ½ times the TV size. To get up close and see the extra detail of a 4K TV, a distance of 1 to 1 ½ times is suggested. So, let’s say you buy a 55-inch, 4K TV. The best distance from TV to couch is about 4 ½ to 7 feet. Have a seat. Looks good, doesn’t it?

Did you notice that the recommended viewing distance is closer for 4K? That’s because the resolution doesn’t lose as much intensity as 1080p does when you get closer. This requires a deeper dive into resolution and how it can affect your decision.

Let’s Talk TV Resolution

This is typically a very confusing area and it’s easy to get overwhelmed by the numbers. So, let’s demystify what the different types of resolution are and what they mean. The newest resolution on the scene is 4K which is also called Ultra High Definition (UHD). The nickname 4K refers to the fact that it’s roughly 4000 pixels across. The next step down, and probably the most popular resolution today is a 1080p TV, otherwise called Full HD, which is 1920 x 1080 pixels.

The more pixels, or tiny little dots, you have the more realistic the painting looks, or the greater the resolution. So in theory, you’d want to go with the 4K because it has roughly 4 times the total pixels as 1080p. But this theory doesn’t necessarily hold true as there are limitations to the human eye. It’s doubtful you’ll notice much difference in the resolution between these two television sets if all else is equal. The good news is that 4K television sets tend to be pretty inexpensive so, if you want one, you’re not paying a lot more for the added pixels.

Content also plays a role in the resolution you see. You may want to watch everything in UHD for an ultra-realistic experience. The problem is not all content comes in 4K, at least not yet. All ends of the spectrum have to catch up with technology for a real jump in resolution to be apparent. Most shows are still shot at the lower end of high definition since it’s the most cost and time effective option. But things are changing so you’ll probably see more 4K content in the future.

Do I Want an LED or OLED TV?

Most new television sets have a liquid-crystal-display or LCD technology. The old-fashioned cathode ray tube technology is not quite a dinosaur, but it’s probably well on its way to extinction. And plasma televisions were discontinued around 2015. LCD technology is what makes it possible for today’s television sets to be so lightweight and thin. Both LED and OLED use LCD technology.

The differences between LED and OLED are pretty complicated, but the results are easier to understand. LED gives you more options in television size and works with smaller sets while OLED is only used on the larger television sets. The view of an LED television is best when you’re directly facing the screen while OLED is able to produce an image that looks great even when viewed from an angle. LED televisions come with 1080p and 4K resolution while OLED only comes in 4K. The real difference between LED and OLED, or the one that will probably matter most to you, is ambient lighting. OLED looks amazing in the dark or very dimly lit rooms, LED maintains a vivid picture with the lights on and even in daylight.

What is the Refresh Rate and Why Does It Matter?

Have you ever noticed a “blur” when looking at big-screen LCD televisions? Initially LCDs suffered from a ghosting effect as the image refresh rate lagged. Most televisions have a 60Hz rate which means you see 60 frames per second. Some televisions now have a higher refresh rate, 120Hz, which is twice as fast and really helps sharpen the image if you find that blur is a factor.

How Smart is it to Buy a Smart TV?

When Smart TVs were first introduced they weren’t actually a smart buy because they offered more confusion than function. But today the Smart TV is the way to go if you love streaming. It allows you instant access to all of the programs you love for a TV binging extravaganza.

If you’re still tied to cable or satellite and not streaming much, then the smart features aren’t as important. But, if you think you’ll be streaming, or pulling shows directly from the internet, in the future, don’t worry. There are ways to add smart capabilities with an extra, and inexpensive, box if you decide you want to stream.

Buying a new big-screen TV doesn’t have to be a big deal. With these tips you’ll be on your way to the entertainment experience you’ve been dreaming about. Next step, finding a movie the whole family can agree on. Good luck with that one!

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    20 Questions to Ask When Renting an Apartment

    Choosing your new apartment isn’t an impulse decision. The choice you make will have an impact for a long time. There are many different things to consider as you tour one possible home after another. On top of that, landlords and management companies work hard to make them all seem perfect.

    How can you tell which one’s the right fit for you? Here are 20 key questions to ask when renting an apartment. The answers can give you a better idea of what you’d get from each one.

    How Much is Rent & the Security Deposit?

    Any apartment hunter should ask themself this crucial question: “How much should I spend on rent?” Setting a budget ahead of the search helps narrow the possibilities. You’ll save time by eliminating options that are too expensive.

    Still, relying on online listings alone may not be enough. It’s better to personally ask the landlord, whether by calling, emailing, or visiting. Make sure to also bring up the security deposit, as well as any other upfront costs they may ask of you. This will save you from unpleasant surprises before you sign anything.

    How Much are Utilities and What Do I Cover?

    Every apartment complex handles utilities differently. Water, electricity, air conditioning, heating, gas, and more may be split between landlord and tenant. Then there is the matter of which ones you’ll need to get yourself. Your apartment may come with cable and wi-fi, but you may be responsible for them on your own.

    Only your landlord will know for sure, and they should be clear about what’s expected of you. Before leasing an apartment, you should ask what utilities are available and which ones are covered. Record the answers, factor the costs into your budget, and look for the place that offers the most for the least.

    How Does Parking Work?

    Some apartment complexes have their own parking lots, with many spaces reserved for tenants and a few set aside for guests. Others may give residents access to a dedicated structure, providing greater security — but possibly at a higher cost. Others still may only offer street parking, which can be expensive to maintain.

    In short, parking may be a complex situation involving specific locations and extra costs. If you have a car, don’t just ask if parking is available. Get the details. As you weigh your options, consider what’s best for your car as well.

    What’s the Pet Policy & Is There a Deposit or Fee?

    The pet policy won’t matter to every apartment hunter. If you have a furry friend or might want one someday, make this one of their first questions to ask when touring an apartment. A “no” answer is no deal, no matter how great the other perks may be.

    Some landlords may allow pets if you pay a one-time deposit or additional monthly fees. Make sure to keep that in mind during your search.

    What Amenities are Included?

    Utilities cover the most vital parts of a home — the things that make living there comfortable. Amenities are the complex’s welcome bonuses — the things that make living there enjoyable. Common examples include clubhouses, swimming pools, public kitchens, communal laundry machines, and fitness rooms.

    Amenities are great for those who use them, but their presence can justify higher rent. As your landlord takes you through each selling point on your tour, ask them whether these perks are included with your price. Also, make sure to consider if you’ll even use them.

    Do I Need Renters Insurance?

    Home insurance is for houses. If you live in an apartment, you look for renters insurance instead. In fact, some places make it mandatory for all residents. Be sure to ask your landlord in advance so you can make any arrangements you need.

    This practice is all about liability. Landlords have their own insurance, but it’s based on their duties and would only cover their share of the damages. Renters insurance offers protection for your living space and your belongings. Even if it’s not required, getting your own policy could bring you peace of mind.

    Can You Describe the Application Process?

    Applying for an apartment can be complicated and time-consuming. You might have to pay fees, undergo background checks and other screenings, and more just to see if you qualify. This may be preferable to the alternative: apartment listings that promise no credit check may be scams.

    You could always learn about each step of the application process as you go. Still, it never hurts to know ahead of time, especially if there are any fees and risks. If anything is unclear, the landlord should explain it to you.

    What Should I Know About Rent Increases?

    A variety of factors can change the value of an apartment. Examples include market shifts, new installations, repairs and replacements of fixtures. Your rent will likely not change for the duration of your lease. Once the time comes to sign again, though, your monthly payments may very well go up.

    This may not seem like a pertinent question when starting a lease. Still, making it one of your questions to ask when touring an apartment could be useful. How your potential future landlord approaches the matter can tell you what to expect. At the very least, it can help you choose whether to look for a new place well before your lease ends.

    What are the Lease Length Options?

    How long are you looking to stay at your next apartment? One year, two years, longer, less? Not everyone has a plan in mind, which means the apartment’s available options may give you an idea of what to expect in the future.

    Landlords always inform apartment hunters about the duration of their lease. However, you might need to probe them for other available options. Be sure to make this one of your questions to ask before leasing an apartment, even if they only mention one length that sounds good. They might have something better.

    Can I Make Changes to the Rental Unit?

    Your apartment may come pre-furnished, but it’s unlikely to be pre-decorated. Few people are content with blank walls and sparse spaces. Most prefer to personalize and beautify their home with art, decorations and other belongings.

    Unlike houses, apartments usually only have temporary residents. The building’s owner may not allow certain kinds of changes, believing they may hurt the unit’s future value. Take the time to go over policies. That way, you can get a better idea of how you’ll make your space feel like a home.

    How Do Maintenance Requests Work?

    Besides rent, tenants might only interact with their landlord through maintenance requests. After all, it’s the complex owner’s duty to keep everything in their apartments running smoothly. If your shower stops pumping heated water or your lock gets sticky, maintenance will get it fixed.

    Asking about the process of filing maintenance requests can give insights to how landlords view this responsibility. Does the process seem straightforward or complicated? Are approvals easy, or do they require a great deal of evidence and demonstration? The answers may reveal how long this landlord will let you live with inconvenience. Few questions to ask about apartments are more revealing than this.

    What’s the Guest Policy?

    In most cases, a guest policy doesn’t apply to someone who’s just visiting for a few hours. It covers situations where someone might want to stay at a tenant’s apartment for a few days or longer. Depending on the terms of the policy, you might even need permission for someone to spend the night.

    Don’t just assume that any landlord would be okay with your best friend crashing on your couch for a while. Get the details on the guest policy before moving in. They’ll tell you what permissions they’d grant and how you can get them granted.

    What’s the Neighborhood Like?

    The oldest real estate myth holds that three factors must guide where you choose to live: “location, location, location.” There’s more to it than that, as this list of questions to ask when renting an apartment should make clear. Still, the area around the complex is important to consider.

    Getting info on the neighborhood is valuable to any apartment hunt. Try to get your landlord’s perspective about any areas of concern. We also recommend exploring on your own, both by car and on foot. See if any useful places are close by, such as grocery stores.

    How Soon are You Looking to Fill the Unit?

    In most cases, you won’t be the only person viewing an apartment. Others have likely received a grand tour, and others may be waiting in line to see the place as well. Landlords might be screening you as much as you’re screening them.

    Landlords are also usually interested in starting a new lease as soon as the current one ends. One way to get noticed is to strike quickly: ask when they’d want you to move in. You should still weigh your options, but don’t procrastinate.

    Do I Need a Cosigner?

    People with rental history have a record that landlords can review. If this is your first time paying rent, they won’t know if they can trust you to make payments on time and consistently. Adding a cosigner to the contract can make it easier. Their signature promises that even if you can’t pay rent, someone else can pay for you.

    Many renters with no history may worry about background checks and credit checks. However, there are some landlords who won’t ask for them. While the answer will likely be a yes, it doesn’t hurt to have it on a list of first-time renter questions.

    What Payment Methods are Accepted?

    Rent payments can take a variety of forms. Before you make any assumptions, though, you should double-check what’s allowed. Each place will have its own policies. Some offer more payment method options than others.

    You might be able to set up a regular automatic withdrawal from your bank account. You might have to do it online. The landlord might accept checks or cards (warning: anyone who only takes cash is likely a scammer). There’s only one way to know for sure.

    What Furnishings & Appliances are Included?

    Preparing for the big move is a big task. It’s not just deciding what to take, but also figuring out what you need to get. Each apartment is different: some come fully furnished with appliances, while others only have a bed.

    Asking this question is important because the answer can impact your budget. It can even make or break your apartment options. Ask about beds and bedding, chairs, sofas, tables, kitchen appliances, TV sets and anything else that matters to you in a home.

    How Much Notice Do You Give Before You or a Representative Shows Up at the Property?

    An interesting agreement comes with living in an apartment. It’s your home, and you pay to stay there. But someone else owns it and covers many responsibilities related to it. Technically, they have at least some right to enter at any time for any reason.

    Even so, many building owners respect their tenants by giving them advance notice. Depending on the person and situation, you may have days or hours or minutes to prepare. We recommend asking how much notice they usually give. It could save you some major headaches.

    What’s Your Late Fee Policy?

    Accidents can happen. Paychecks can come late. You might have temporary money problems. Most apartment contracts provide some leeway for late rent payments. But they might charge a late fee.

    Given that it’s so common, there’s no problem with asking about late fee policies. You’ll want to know the terms just in case anything happens. You’ll also want to know the limits according to state law, so you can see if the fee is fair. Just try not to seem too eager, and don’t count on being able to do it often.

    What’s Your Subletting Policy?

    Subletting is when a renter temporarily moves out and lets someone else cover their lease. A landlord may refuse to rent to your candidate if they don’t meet their requirements.

    Even if you don’t plan to leave during your lease, you may still want to know your apartment’s subletting policy. Life may surprise you. Being aware can save you some time and trouble in looking for someone to take over.

    Know the Best Questions to Ask When Renting an Apartment

    Any of these questions to ask when renting an apartment can help decide your future home. Having so many factors to consider may seem intimidating at first. As you gather information, though, you may find that each new detail narrows down the options. Soon enough, a few apartments will rise above the rest. No matter which of them you pick, you benefit. Ask away.

    Renters Insurance from American Family Insurance

    Even while you’re still apartment-hunting, it’s never too early to start thinking about renters insurance. If you have any questions about that, feel free to contact an American Family Insurance agent. Once you’ve learned what we have to offer, you can get a quote online and get protection for your next home.

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    Woman sitting at table writing a home inventory for homeowners insurance.
    9 Steps to Create a Home Inventory for Insurance Claims

    Your home is more than a roof over your head. It’s where your dreams grow, your family thrives and memories are made. But the possessions you keep inside are important, too.

    Whether you’re renting an apartment or own your home, you’ve most likely got an insurance policy designed to protect your dwelling and the things inside. Should the unthinkable happen and you have to use that insurance policy, it’s important to have a plan in place. And a home inventory list is a great way to get started!

    We’ll walk you through how to create a home inventory so — in the event of the unexpected — you’ll be more prepared and have a streamlined recovery.

    What Is a Home Inventory?

    Quite simply, a home inventory is a complete list of all the items, especially valuables, in and around your home. The best home inventories include photos, descriptions and dollar values of each of your belongings. The more detail, the better! It’ll help you provide a comprehensive list to your agent of items lost in the event your home is damaged or destroyed, allowing you to get the most out of your coverage.

    When your describing the items in your list, remember that the more information, the better. Here’s a quick reference list of the type of information you should include in your home inventory list:

    • An in-depth description of the items. For example, rather than writing down “diamond ring,” be more descriptive, such as: “an emerald cut diamond ring, with white gold shank, accent stones and initials inscribed below the bridge.”
    • Make, model, and/or serial number of the items.
    • Date of purchase, receipts and photos.
    • Estimated replacement cost if you bought it today. Do note that the value of the items might be different today than it was when you first bought them. This is especially true with jewelry, and other valuables.
    • Appraisals at time of purchase. Especially if your items were appraised for insurance purposes.

    Why Do I Need a Home Inventory?

    Whether you’re a homeowner or a renter, everyone can benefit from a home inventory!

    If you ever have to make a claim, a home inventory is a great asset to have, especially after stressful events like theft, storm damage or a fire (take a look at how one renter used their home inventory after facing an apartment fire).

    When you make a claim, you typically submit information on everything that was lost — which can be difficult to do off the top of your head for all your possessions. Remembering to replace your TV or computer are no-brainers, but when it comes to remembering each piece of jewelry in your jewelry box, things tend to get overlooked. Having a personal property inventory will help, along with knowing how to properly insure your jewelry.

    When you have your home inventory checklist, you know exactly what needs to be replaced, and you’ll have peace of mind knowing your entire household is protected.

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    A row of houses in a neighborhood with storm clouds that will bring strong rain and roof leaks behind it.
    Reasons Why a Roof Leaks

    You’re admiring the rain from the comfort of your home when you notice a sound — the unmistakable drip of water dropping onto your floor. The first and hardest step is figuring out why your roof is leaking. And with these tips, you’ll find the culprit in no time!

    Here’s Why Your Roof Is Leaking

    The list of reasons why your roof is leaking may seem long, but don’t worry — when it comes to finding the leak and fixing it, the finding is the hardest part. And the good thing about these problems? They can all be fixed. Check out the list and see what’s troubling your roof:

    Your roof is old

    Roofs don’t last forever. Protecting your home and everything inside it from the elements comes with a cost. And with all that rain, snow, ice, wind and even sunlight wearing down your roof, it becomes more susceptible to leaks. Every roof will eventually need to be replaced, so learn more about how long your roof should last based on what it’s made of.