Starting A Home Business Online – 5 Points To Consider

Having a home business, especially a home business online, is becoming a very popular option for people looking to supplement their main income base or even replacing it. Internet marketing tends to be the preferred venture that most people turn to when starting a home business online. The reason being is that many successful internet marketers are now helping people get started by offering websites with the cost of set up free or very low cost. And even though there are several internet marketing programs available online, you will want to make sure you join the program that best fits You. So here are a few ideas that might help you to decide the right program.1. Search on Google for unbiased opinions of the program you could be interested in. No company is going to get 100 percent positive reviews, but if 75 percent or higher of the reviews are positive, that should be a very good affiliate program to partner up with. Also look on their website to see if they are registered with the Better Business Bureau. This way you know they are a credible business.2. Make sure they have a website with products and services already in place for you to promote. The absolute best internet marketing programs offer their downline this and more. You do not want to start off spending a lot of money creating a website and then trying to find something to promote on your site and hope it makes you a profit. The best programs will set your site up with multiple products or services to market that are the best money-makers. If your initial investment is less than $200 you are definitely on the right track.3. Be sure your new business offers specific training. This will be the most vital part of your business. Since you are new to affiliate marketing you will need the best training you can get. The best affiliate programs will make sure you get the best training you can get. Why? Because their success is based on your success. These mentors will teach you everything you need to know to get your new business making money as fast as possible.4. You want your affiliate commissions on personal sales at 50 percent or more. Many companies online have gone to a multi-level marketing type business, so not only do you make money from your own personal sales, but also more money from your down line sales. So also be sure the products and services the affiliate program has on your website offer multi-level commissions.5. Set yourself a budget and manage your time. One of the worst things you can do when starting an online home business is spending too much money on tools you do not need when starting out. Determine how much money you can comfortably afford each month and stick to that budget. Same with the time you will spend each day with your business. Set a goal to work your business so many hours each day and stick to it.These are a few things you need to consider when starting an online business. Just remember that an online home business is not a get rich quick scheme. It takes time and hard work to build a successful online business so patience and being consistent will be big factors in your success.

How To Get An Unsecured Personal Loan While Unemployed

Jobs have been lost at an incredible rate during the continuing recession. Lay-offs and closed companies have cost the country jobs that probably are not coming back. Any new jobs created seem to be part-time, minimum wage jobs. This does not make it easy for people who have good educations and have many years of experience. They are unemployed and can not understand why. In addition to the ego shredding nature of such unemployment, the well educated person finds himself or herself in the throes of financial ruin. Severance pay, if they received any, runs out quickly but the bills keep arriving in the mail. Being out of work and broke is not an ideal situation, yet it is the way of life in America today. If you are one of the millions in this position, would you not love to find a loan that can help you tide it over until your financial situation turns around?If you asked people around you about the possibility of getting an unsecured loan while unemployed, you will very likely find that no one believes it is possible. After all, you do not have a job. You have no steady income. You have no collateral to put up against the loan. You are in a position where it does not look like you will be able to pay back the loan. Who would lend money to you? If you look around, there are plenty of lenders who will approve your loan. Lenders exist who will help you get back on your feet financially in spite of your employment status.Unsecured Loan Background Any loan that does not have collateral is considered unsecured. without putting them up as collateral, you do not risk your personal assets should you forfeit on the loan. This means you are not risking your house or your car because of the unsecured loan. It is not a perfect world. Unsecured loans carry higher rates of interest. In fact, they are much higher than loans that have collateral.Unsecured personal loans are viable even if you chose to not risk your personal property or home. Unsecured personal loans can be for amounts as small as $1,000. They can also be for larger amounts up to $25,000. It all depends upon your financial circumstances and the criteria that you and the lender discuss. Unsecured loans can be paid back over 6 months or up to ten years.What About Bad Credit? Your financial hole may not just stop with unemployment. It may well be that your credit score has crashed also. do not assume that bad credit will push you out of the market for an unsecured loan. Lenders who specialize in unsecured personal loans are also in the business of helping you remain solvent. It does not help them to give you money that you cannot pay back. Bankruptcy is not a deterrent when it comes to unsecured personal loans. but you have to know where to look for the lenders. Because of your bad credit and your lack of collateral, you will be a bigger risk to the lender than someone with either collateral or a higher credit score. This does not force you out of the lending market, but it will mean you will be paying a higher interest rate.Unemployment Loans When you apply for an unemployment loan, the lender generally will not ask you what you want the money for. While you are probably going to use the money to live on, you can actually do what you want with the loan money. You may choose to consolidate your credit card debt, or pay medical bills. You could use the money to purchase a vehicle to use to help you hunt for a new job. Just make sure you use the money wisely and remember you will have to pay it back.You Must Be Responsible You are probably feeling better now that you know you have options when it comes to personal unsecured loans while unemployed. But this does not give you permission to take the money and go on an expensive vacation. You should use the money to be the lifesaver that you want and need.This is a loan and with any loans you must act responsibly with how you use the money. You must make sure you make a plan to pay it back and act on your repayment plan.

Use Subprime Auto Loans To Get The Wheels You Need

The news is full of consumers who have borrowed more money than they could afford to pay back. The words prime and subprime are thrown about regularly to talk about the loans that are now available for homes, cars, and other expenses. If you have had some bad luck with your credit, you may want to look into subprime auto loans.Don’t let the phrase “subprime auto loans” scare you; this simply means that lenders are unable to offer you their best interest rates and terms. This does not mean that you can’t get the money you need. Rather, it means that you may need to pay a little more each month or for a longer amount of time, for your vehicle.Loan rates fluctuate rapidly over time, so what may be subprime today could be prime tomorrow. By making sure that your credit rating is accurate and as high as you can get it, you can find lower interest rates and better terms for your vehicle loan. A few points can make the difference in saving you hundreds or thousands of dollars over the term of your auto loan.Banks, credit unions, dealerships, and other lenders are all happy to lend you the money for subprime auto loans, but how do you know that you are getting the best interest rate and terms for your credit score? The easiest way to check is to go online and use an auto loan comparison site. These can be offered by online vehicle information sites, online magazines, consumer sites, and more. The sites are not responsible for your loans; their job is to gather the offerings of several different auto lenders so you can find the best rates in terms for you.Once you have a good idea of the interest rates online lenders will give you, you can go to the dealership or bank armed with information that can benefit your bank account. They may be willing to give you better subprime auto loans than those you were offered online, which can save you money. If they cannot beat the loans you are offered, contact the online lender to hash out any questions you may have.Before you sign on the dotted line, do a little research to find out the company’s reputation. This can include customer service as well as legal aspects. After all, you don’t want to sign for a loan with a company that has had legal trouble. There are so many others to choose from, it is just easier to pick someone with a good reputation for subprime auto loans! Word of mouth is incredibly important for a lending company, so take into account what current customers have to say about the lender.Once you have accepted the best of the subprime auto loans, make sure that all of your payments are on time and in full. This will raise your credit score over time, bringing your credit rating higher and higher. The next time you need to borrow for an auto loan, you will hopefully be able to search for a prime auto loan instead!

Top 6 Reasons to Hire a Local Handyman

With the rampant popularity of DIY solutions through the internet, everyone thinks that they can do their own home repairs on their own. While it’s true that there are easy home repairs, there are also reasons that you should let a handyman do the work as doing it yourself can do more harm (think costly repairs) than good. Here are the top five reasons to hire a handyman.

There are home improvement projects that you just can’t handle

When you hire a handyman, they have the tools and equipment that what most household usually don’t have. Below are the following tasks that are way better left to a handyman:

Flooring and tile installation – Tiling and flooring require special tools and the experience of the handyman to use it effectively. A slight mistake in this area could ruin the entire look of the floor.

Plumbing – Plumbing is an issue that no one would like to handle. When there’s a problem in the drainage system, only a professional problem can inspect the problem and provide an appropriate solution.

Painting – Although most homeowners do it on their own, it is not as easy as it looks. Painting a room or an entire house is a time-consuming process. You need to prime, tape and trim and you have to clean all the mess. A handyman will do all these work for you.

Home Renovation – You can’t just break the walls of your home with a sledgehammer and expect it to look exactly as you planned the next day. You need a proper renovation plan to make sure that your home’s structural integrity isn’t affected. You cannot create such a plan if you are not as experienced as the handyman.

Save time

When you do the work on your own, there will be times when you have to pause to do other work or buy tools and equipment to finish the job. This could take a lot of time compared to when you let the handyman do it for you. A handyman is prepared with the right tools, materials, and how to get the job done effectively.

Save Money

A handyman knows what he or she is doing; therefore, you only need to pay once to get the job done right. No need for trial and errors and the costly redone when your own work is flawed. A handyman will make sure the job is finished. Moreover, when you need materials, handyman often has discounted rates for suppliers.

Skills and Experience

Whether it’s flooring, plumbing, painting or any home repairs or improvement a handyman has the skills and experience to get the job done. It’s not his first rodeo and he has seen it all before. He or she has the necessary skills and experience to complete the job.

Tools

No more going to the hardware store to buy an expensive tool that you don’t know how it works and that you’ll only use once. Your handyman will have the tools for every job and how it can be done efficiently.

Workmanship

When working with a handyman, you can be sure that the finished job is what you expect it would be. One of the reasons for that is that they need to maintain a good working relationship with their customers. If there’s an issue or confusion, they will do their best to shed light in the situation.

Safety

Aside from getting the job done, safety is one of the priorities of the handyman. A handyman is trained to use the tools and equipment safely. The handyman also has the protective gear to protect themselves while the work is being completed.

While DIY can work, it is not always the best solution. It can cause a lot of stress particularly when things go wrong and worse it could put you and your family at risk. So why not choose a quality handyman who can take care of everything for you and get the job done effectively.

What a handyman can do for you

Here is a list of the jobs that a handyman can do for you:

Plumbing
Painting
Residential and commercial improvements
Home and commercial repairs
Tree removal
Carpentry
Drywall repairs
Hardwood flooring installation
Landscaping

Tips For Cutting Your House Cleaning Time In Half

What if you learn new ways to clean your home in half the time as you used to? You’d get to finish all your household chores without having to block off a whole bunch. Here are a few tips to help you get started.

Have A System

If you want to reduce the time you spend cleaning your house, the first thing you have to do is create a system. That means you need to clean your home in the exact same order every time. You have to work with a specific room first, begin and end at the exact same place in every room so that there is no need for you to waste your precious time running from one area to another. The whole premise of having a system is to be consistent. You have to do the same thing every time you clean. This will become your routine, which is a good way of cleaning because the speed is due to the method being employed instead of doing things in a hurry. This is not a gimmick. You can really clean your home in half the time.

Top To Bottom Cleaning

You must not start cleaning any room by wiping the table and then the blinds. You will just see the dust that came from the blinds drop to your newly cleaned table. You have to start at the very top of any area such as the ceiling fan and then work your way down to the floor to avoid doing the cleaning all over again. Also, you have to start cleaning from the left and then move to the right instead of moving from one place and then to another.

Window Cleaning

Are you having problems getting that shine on your windows when you use paper towels and Windex? Maybe because you are using the wrong tools! You need to use an expert grade window squeegee to get this job done. Add a drop of dish soap to one gallon of water. Wipe it on the window using a cloth and then remove it using a squeegee. Be sure to start at the top and once you are at the bottom, don’t forget to wipe the blade before repeating the process. Once you are done, you will get a window that is streak free. In case a squeegee is not your favorite, you can use a glass cleaner and a microfiber cloth. Use horizontal strokes when wiping the window with a cloth. Don’t use circular motions because they can leave streaks. Don’t use paper towels or newspapers because they can also leave residue.

Prepare Your Tools

When cleaning your house, you have to make sure that all the cleaning tools and solutions you need are within arm’s reach. Doing so will prevent you from going back and forth. You can place your tools and solutions in the apron you are wearing or maybe in a bucket. If you are worried about the huge bottles, you always pour the cleaning solutions into smaller spray bottles, which you can carry easily.

Be Proactive

The first rule when it comes to keeping your home clean is to prevent problems before they even begin. For instance, prevent scum and grime buildup in your shower by using a shower cleaner.

Remove The Kitchen Grease

Grease will eventually wind up on your kitchen cabinets, especially those located next to or above the range. You can wipe off the grease using a cleaner. Just make sure that the solution contains orange oil. You can also go for a regular grease-cutting dishwashing solution, which is effective at getting rid of the grease. In case you are dealing with a tough stain that just won’t come off even if you are already using a strong detergent, you should consider a homemade cleaner. Combine water and baking soda. Scrub the solution on the problem spot using a cloth.

Selecting the Perfect Drawer Hardware

Choosing new drawer hardware is a great way to freshen up your kitchen or bathroom. There are so many different kinds and styles of drawer hardware that the choice can seem like a large one. You have to think about the style your cabinets have and how they fit in with the appliances or other fixtures in the room. Then quality and durability are also important issues, as are color and material of the drawer hardware. Also the size of the drawers is extremely important because even good quality hardware can be damaged by drawers that are too big for it. Here are some ideas to help you in your search for new drawer hardware.

Drawer Sizes

Of course people do have different sizes of drawers in their kitchens and bathrooms, and it is important to take the size of the drawer into account when selecting drawer hardware. Take the time to measure the drawers before you go shopping for hardware. Also feel how heavy the drawer is and how easy or hard it is to pull out. All of these will need to be taken into account when selecting drawer hardware. Each piece of hardware is made to pull a set amount of weight frequently, but having drawers that are heavier than the appropriate weight for the pull will cause the screws to strip and the knobs or handles to fall right off. Also purchasing the best screws for the job is important for the same reason. Heavy duty screws are needed for drawers that are very heavy or difficult to pull out.

Also the size of the drawer’s face is also important for stylistic purposes. You should think about how big the knob or handle is and how it will look against the size of the drawer face.

Types of Drawer Hardware

It is also important to understand the types of drawer hardware. There are two basic kinds of hardware for drawers. Handles and knobs both offer different looks and different ways of opening the drawer. Try a few different handles and knobs to see which kind fits in your hand better. Also remember that sometimes certain handles or knobs will not work as well as other handles or knobs. It all depends on the size of your hand, your reaching abilities, and whether or not you have arthritis or other hand problems.

Materials

Drawer hardware is available in several different kinds of materials. Currently metal is the most common material, and there are many different kinds of metal available. Some common choices include nickel, bronze, brass, and pewter, although there are certainly more choices than just those few kinds. Usually the type of metal you choose depends entirely on the color you want. Think about how each color will look against the color of the cabinets when making a decision.

In addition to metal, there are also a few other choices when it comes to materials. Glass drawer pulls are certainly making a comeback, probably because of the wide variety of choices in colors and styles. Hardware manufacturers are able to make many different variations with glass rather than metal because they have a much wider palate of color to work with. While metal hardware may be very ornate, it typically will not be very colorful.

Style

Style is also very important when choosing new hardware for your drawers. Style can be as simple as how the hardware looks on the drawer or as complicated as how it feels in your hand. It is a very good idea to take samples of several pieces of hardware home so that you can place them up against the drawers and see how they look.

Financial Jargon – Basic Finance Terminology Explained

The financial business is adding new terms and neologisms every month due to the increasingly complexity of personal finance and commerce or business relationships. However, for someone that is not familiar with all this jargon it turns very difficult to understand even the basic explanatory brochures or articles explaining common products. To clear some basic concepts, following is a list of common terms used frequently on financial flyers and other pieces of writing.

Collateral, Guarantee, Security

There are two types of loans out there: Secured and unsecured. Unsecured loans are awarded to people without other assurance of repayment than their word (signature) or personal credit. This means that if the borrower fails to repay the loan, the lender has no other means of claiming his money than taking the debtor to court on a long and tedious legal process.

Secured loans on the other side provide the lender with an additional protection. An asset is pledged as guarantee of repayment and in the event of default (lack of repayment), the lender can either repossess the asset or obtain the money owed by forcing its sell on a public auction. The asset pledged as an assurance of repayment is indistinctively referred to as: Collateral, Security or Guarantee.

Provisional Financing, Refinancing, Restructuring, Roll Over Agreement

These terms are often used with different meanings but with the intent of clarifying financial jargon, we suggest the following uses for the terms: Provisional financing refers to a short term loan or line of credit that is used for buying the borrower some time till a more convenient and definite loan can be obtained; Refinancing implies the cancellation of a previous loan with the money obtained from a new one that has different terms (usually lower monthly payments either because of a lower rate or a longer repayment program); Restructuring often implies a series of refinancing agreements that imply more than one debt and more drastically term changes than a simple extension of the repayment program; Finally, a roll over agreement implies the postponement of the loan repayment by obtaining approval for an identical loan with the same lender.

Delinquency, Default, Bad Credit

These terms are often used on articles and flyers about personal financing and non-traditional financing. People that have to face financial difficulties often damage their credit by paying late debts that are due, or missing a payment or missing several consecutive payments. All of these are recorded on the debtors’ credit report and hurt their credit stance lowering their score.

The above situations are referred to as delinquencies: paying late or missing payments. Failing to repay the loan (missing several consecutive payments) is known as default and usually leads to the debt being sold to collection agencies that will try to claim the money by different means. Finally, the consequences of default and delinquencies on your credit along with other problems like excessive debt have a negative impact on people’s credit which is known as bad credit, poor credit or low credit score.

Principal, Interest, Term

The Principal is the amount of money that is lent by the lender to the borrower and has to be repaid. The Interest is the price of the transaction: This price can be expressed as an overall amount but unless the loan is a short term loan, it is usually expressed as a rate or percentage. The term is the period of time for the loan repayment; it can refer to the overall repayment period including the repayment deadline but it can also refer to the repayment frequency whether you have to make monthly, biweekly or weekly payment.

Exceedingly Serious Lessons Regarding False Prophets and Bad Bullying Greedy Leaders

It is a strong warning and cautionary word to all leaders and to everyone in any position of responsibility. The warning concerns those who are false and fraudulent when it comes to leadership and direction and exercising authority.

While reading and studying peter’s second letter in the New Testament, this clear note is sounded in Chapter 2, and the warning word in these opening verses is that we ought to beware of false prophets and greedy teachers.

Do not allow them to have any influence over you, because if you do that it will be an evil influence and a bad influence. Avoid that at all costs. If only this could be applied to the business world and the areas of banking and finance and commerce.

Now, onto verse 4, where we read of what will happen to those who have led others astray, and to those who have misled and deceived and duped others.

How will God deal with such people, referring to those who have misled others, and to those who have brought in things that divide and cause trouble and upheaval no matter where they go?

The heretic is the person who chooses on his own to depart from the truth. That can be applied to various areas of life, and is certainly not limited to the spiritual or theological department.

The same will happen to them as happened to the angels that fell, and as happened to the society of Noah’s day, and to those around in the days of Sodom and Gomorrah.

People who teach wrong things will end up as those folks did. This can applied to every level of leadership no matter where it is and many have discovered this to be true when it might be far too late and serious damage is done.

There is no trace of Noah’s society. It was not a local flood but universal.

Sodom and Gomorrah were wiped out, and I have driven past that geographical area by the Dead Sea on a few occasions and today it is only a graveyard.

But God can also preserve.

Noah survived. He was a righteous man who preached rightly and who preached righteousness. Now, there is a word that has almost disappeared from usage.

And, out of Sodom there came a man called Lot, but his wife did not want to leave. She hung back, and she was engulfed in a fall of salt. Noah and Lot both said in their own way, “This is truth”.

God did not spare the old world with all its sin and drinking and immorality.

He saved Noah. The world of the ungodly faced and faces a tragic and disastrous outcome.

Sodom and Gomorrah were overthrown to make them an example to those who live ungodly lives.

Finance and Accounting Job Tips!

Among the best graduate jobs in the UK are graduate Finance jobs and graduate jobs in Accounting. Commerce degree holders have a large pool of employment opportunities waiting for them. There are plenty of these graduate jobs that they can go out and hunt for. Whether they have taken up Mathematics, Economics, Accounting or Statistics in their universities or colleges, they have already revved up their chances of landing a job that will secure them a more or less stable financial status and a promising career.

Despite having a large option for employment, however, job seekers should acknowledge that the hunt for the best professional or graduate job in the UK is getting tougher and tougher. The number of qualified candidates is soaring, which makes the competition even fiercer. The key is for you to look for the right job for yourself where you can use your qualifications on the job and then later on advance to the kind of career you have always dreamed of.

The UK has the best graduate finance job opportunities. Those jobs are even found in some of the largest and most established financial companies all over the world – Bank of America, Capital One, Barclays Capital, Credit Suisse, Fidelity International and Edward Jones Limited, to name some.

The job openings from these companies vary. Below are some of the best graduate jobs in Banking and Finance in the UK, and their primary responsibilities:

1- Financial Managers – provide financial advise to clients;
2- Stockbrokers and Traders – on behalf of the clients, stockbrokers and traders invest on various financial products;
3- Corporate Treasurers – they are in charge or improving and maintaining the finances of the respective companies that they are working for;
4- Investment Bankers – they are financiers for different companies, institutions and even government agencies;
5- Commodity Brokers – they buy and sell physical commodities;
6- Investment Analysts – they do the research and they gather information on investment opportunities for the Fund Managers;
7- Investment Fund Managers – getting the information they need from the Investment Analysts, they then assist their clients and give them advise on where to invest their money.

Before applying for a graduate job in the UK, you must first spend a lot of time on research, gathering as much information as you can to find out which of these career options is the best for you. Take the time to review each job’s description and responsibilities in order to make you decide whether or not you are capable and willing to take the job. Chances are, there might be one or more of the job opportunities mentioned above that attracts you. If you are still undecided, you must try to asses yourself and your qualifications, and find out which one would be the best for you. If the excitement of buying and selling physical commodities attracts you, for example, then you might be picturing yourself as a Commodity Broker. Or, if you wish to help people invest their money, an Investment Fund Manager position is probably the best for you. There are more graduate banking and finance jobs in the UK that you can apply for. All you have to do is look.

A large number of graduates of Accountancy and Actuarial find themselves taking jobs in public accounting firms. These jobs are paid internships that give the employees a great chance of gaining good experiences by working with different local agencies and companies. After gaining as much experience as they can in the field, helping out clients prepare their taxes and file their tax refunds, most of these employees make their way to advance into higher or principal positions. In order to do that, however, they must acquire a Certified Public Accountant (CPA) license. However, the best accounting graduate job is still to become your own boss. A lot of Accounting graduates and CPA’s all over the world put up their own accounting firms after years of public service.

Do not allow yourself to get disheartened or confused when job hunting. Get your spirits up and take the whole race as a great learning experience. The options are endless for you and your fellow Commerce degree holders. The key to having the very best graduate job in the UK is looking for something that you imagine yourself doing. Ultimately, the decision is yours.

selecting the best cabinet hardware 2

Blu-ray players and Blu-ray movies are generating a lot of excitement. Now that the “format war” is over with Blu-ray crowned the victor, consumers are getting ready to embrace high-definition on a disc, namely, Blu-ray Discs! This guide will make sure you understand Blu-ray and get the most out of your experience.

What do you get with Blu-ray?

There are four primary advantages Blu-ray Disc movies have over their DVD equivalents:

o Improved capacity and durability. Blu-ray Discs have up to 50GB of disc capacity for a dual-layer disc, which is over 5x more than a double-layer DVD. Blu-ray discs carry the data close to the surface of the disc, so a hard coat is applied to protect the fragile data. This hard coat is extremely durable and resists scratches and fingerprints.

o Improved video quality. Blu-ray Disc movies have up to 6x the picture detail of a standard DVD. Numbers are not the way to describe the difference, though! Suffice it to say the sharpness, depth, color and detail is far greater than anything you have ever experienced before. No matter what they say about upconverting DVD players providing “near high-def quality,” after you experience Blu-ray it is more of a country mile than “near.” The bigger the screen size, the bigger the difference.

o Improved audio quality. Most Blu-ray Discs have lossless audio, which, obviously, means no loss of sound quality. In short the sound quality from Blu-ray Discs is capable of matching the master tapes from the studio. If you have a sound system capable of using the lossless audio formats, the difference in sound quality is just as apparent as the difference in video quality. In fact, when doing demonstrations in my own home theater before I even get to explain that the sound as well as the video is high-definition the viewers make comments such as “Wow, the sound!” or “I’ve never heard sound like that anywhere.” You need a relatively recent surround sound setup to experience the lossless sound; more on that later.

o Improved interactivity. Blu-ray Discs and players use BD-Java, a version of Sun Microsystems’s Java programming that is ubiquitous on the Internet. Using Java allows the studios to put games and other interactive features on the discs, as well as menus that can be accessed while the movie is playing. (Once you have experienced the latter, it’s even harder to go back to DVD!) The downside to the BD-Java is that it requires a lot of processing power and early Blu-ray players may take several minutes to load the discs once they are placed in the player. Compatibility problems may exists as well and the player may need a firmware update to function properly. Blu-ray will soon be introducing Profile 2.0, or “BD-Live” which will bring Web interactivity to Blu-ray and allow you to download bonus materials, play games, and much more.

What do I need to experience Blu-ray’s spectacular video quality?

This is an easy answer! You need a high-definition TV, a Blu-ray player, and a connection cable or cables. If you have an HDMI input on your TV, you should use an HDMI cable from your Blu-ray player to the TV. Do not overpay for your HDMI cable. Most big box stores only sell overpriced brands such as Monster Cable and charge from $90 to $150 or more for a single HDMI cable. You can get a perfectly good, well-made HDMI cable for under $5.00 from monoprice.com.

If you have an older HDTV with component video connections, you need a set of component cables and a set of stereo audio RCA cables.

What do I need to experience Blu-ray’s lossless sound?

This is a lot trickier! First of all, if you are just running the sound through your TV speakers there isn’t going to be much difference. You need a separate sound system to really appreciate Blu-ray’s fine sound.

There are several lossless sound formats available and older receivers, and even many current ones do not support these new sound formats. Not all of the players support them, either. I’ll start with the different surround formats, and then explain what equipment you need to experience them at home.

PCM, LPCM: These are the same thing. Some studios call it PCM, for Pulse Code Modulation, a lossless method of digital recording. LPCM stands for Linear PCM. Sometimes you will see “20 bit LPCM” or “24-bit LPCM” on the disc cases. The more bits, the higher the resolution and the better the sound. To experience lossless PCM sound you need a receiver with an HDMI input capable of receiving multichannel PCM, or a Blu-ray player with multichannel analog outputs and a receiver with multichannel inputs. If your receiver has an HDMI input the player will send the audio over the HDMI cable and the receiver will amplify the sound and send it to the speakers.

If you are using the analog outputs, the player will convert the PCM sound to analog and send the high-resolution sound from its analog connections to the receiver’s analog inputs. In this case the surround settings are set on the player and the receiver is just a volume control and an amplifier.

Dolby TrueHD: This format uses lossless compression so the audio information takes up less space on the disc than a PCM file, but no sound quality is lost in the compression process. There are several ways to experience lossless sound from Dolby TrueHD. The first is with a receiver with an HDMI input capable of receiving multichannel PCM, and a Blu-ray player that can decode Dolby TrueHD and convert it to PCM. The player will decode the Dolby TrueHD, convert it to PCM and send it via HDMI to the receiver for playback. The PlayStation 3 is an example of player that uses internal TrueHD decoding and an LPCM output via HDMI.

The second way is with Blu-ray player with TrueHD decoding through multichannel analog outputs and a receiver with multichannel inputs. If you are using the analog outputs, the player will decode the TrueHD, convert it to analog, then send the high-resolution sound from its analog connections to the receiver’s analog inputs. In this case the surround settings are set on the player and receiver is just a volume control and an amplifier.

The third way is via “bitstreaming.” Bitstreaming takes the digital data from the disc and transfers it via HDMI to a receiver with a built-in Dolby TrueHD decoder. The receiver decodes the TrueHD and powers the speakers. According to many who have tried all three methods, bitstreaming is the best possible way to reproduce TrueHD.

DTS-HD: DTS-HD consists of two streams: a “core” with a high-resolution (but lossy) DTS track and a DTS-HD MA (Master Audio) track. The MA track is a lossless track capable of duplicating the studio master tape. At the time of publication no players with internal DTS-HD decoding exist so the only way to reproduce the lossless DTS-HD MA track is with a player capable of bitstreaming the information and a receiver with DTS-HD decoding. The major studios currently using DTS-HD are 20th Century Fox and New Line Cinema.

Dolby Digital Plus: Improved Lossy Sound

Many Blu-ray Discs have Dolby Digital Plus, an improved version of Dolby Digital. While it isn’t lossless, the sound quality is noticeably better than standard Dolby Digital soundtracks.

Blu-ray Profiles

Blu-ray players conform to one of three profiles, each having different capabilities.

Profile 1.0 players simply play the movie. This is called the “grace period profile.”

Profile 1.1 players play the movie and have picture-in-picture capabilities via secondary picture and audio decoders. The picture-in-picture feature is called “Bonus View” and the profile is called “Final Standard Profile.” All Blu-ray players announced from the present onwards must conform to at least profile 1.1.

Profile 2.0 players play the movie, support Bonus View and provide an Internet connection for Web interactivity.

Will I need a Blu-ray player and a DVD player if I have DVDs?

All Blu-ray players will play DVDs and upconvert them to high-definition resolutions, if not high-definition quality. Upconverting quality varies widely by Blu-ray player so if you have an upconverting DVD player, use the same DVD in both your Blu-ray player and your DVD player and compare the picture quality. You may want to keep both hooked up, or simply use the Blu-ray player for all your playback needs.

Firmware Updates

Firmware updates are software updates for your player’s operating system. Firmware is updated either by web (Samsung BD-P1400 and Sony PlayStation 3) or via CD (all others.) To update via CD you must visit the manufacturer’s website, download the firmware file and burn it to a disc. Be sure to follow all instructions when burning firmware discs! As Blu-ray is a new and evolving format, using the most recent firmware is critical for best performance so be sure to register your purchase so you are notified when updates are available and check the manufacturer’s website frequently for new releases.

Recommended Blu-ray Players

There has been a lot of info provided thus far. Now it’s time to put it together, starting with a player! This list will be edited and updated as new players are introduced and tested.

Sony PlayStation 3 (40GB) $399: I am listing the PlayStation 3 (PS3) separately because not only is it the best Blu-ray player currently available, it is truly a breed apart.

What makes the PS3 the best Blu-ray player? It has extremely powerful processors that make loading times fast and BD-Java compatibility a breeze, it is extremely responsive, and firmware is easily updated automatically and wirelessly. It can also surf the web with a built-in web browser and works as a multimedia center and can display digital pictures and play music from its internal hard drive. It supports profile 1.1 now and will support profile 2.0 with an announced firmware update, so it is future-proof.

Oh, yeah, and it plays games too! It is easy to forget that, sometimes!

A Blu-ray Disc remote is available for $24.99, making a complete PS3 Blu-ray outfit a mere $425… a bargain for a future-proof profile 2.0 player that is rock-solid reliable. If you don’t like the idea of using a “game machine” (which the PS3 admittedly is) in your home theater, try to think of it as a multimedia entertainment system instead.

The big downside to the PS3 is it doesn’t support bitstreaming of Dolby TrueHD or DTS-MA (and never will due to hardware limitations) so you can’t currently use it to experience all of the lossless sound formats. Because it will never bitstream in its current form if you have a receiver that supports TrueHD or DTS-MA you can’t use it in the superior bitstream mode- only PCM. A firmware update to allow the PS3 to decode DTS-HD MA and output LPCM has been rumored, but not yet announced.

In short- at $399, the PS3 is not only the best Blu-ray player you can buy but one of the least expensive, as well.

Profile 1.0

A profile 1.0 player may get the movie on your screen but if you can get a PS3 for only $100 more, you are much better off getting a PS3. Unless it is being sold at a super-bargain price (under $300) or included for free with purchase of an HDTV, I recommend you avoid profile 1.0 players and look to the PS3 or a profile 1.1 model. The following players could be a good buy if the price is right but unless it is well under $300 you are really better off looking elsewhere. Because of this I have not listed suggested retail prices for these players- if it isn’t under $300, stay away.

Samsung BD-P1400: A word of warning: with this player you really need to watch the firmware updates as there have been problems playing certain discs (mostly Fox titles) on Samsung players. The BD-P1400 has an Ethernet port for firmware update via web, which makes it much easier than burning a disc. Audio support is excellent. The BD-P1400 can decode Dolby TrueHD to LPCM, bitstream Dolby TrueHD and DTS-HD MA, and the analog outputs can provide lossless sound from PCM and Dolby TrueHD. No DTS-HD MA from the analog outputs, though.

Sony BDP-S300: Load times are slow but playback is reliable. Lack of Dolby TrueHD and DTS-HD support make this player best suited to setups without a sound system… in other words, just a TV and the player.

Sharp BD-HP20U: This player has reliable playback of Blu-ray movies but performance with DVDs is subpar, as is audio format support. Like the BDP-S300, this player is best used in systems comprised of a TV and a player.

Profile 1.1

Panasonic DMP-BD30 ($499): Panasonic’s Blu-ray players have proven to be extremely reliable and the BD30 offers loading times second only to the PS3. The BD30 has multichannel audio outputs for lossless sound from Dolby TrueHD and PCM/LPCM.

If Web interactivity isn’t important to you but sound quality is, the bitstream-capable BD30 and a receiver capable of decoding Dolby TrueHD and DTS-HD is currently your best option and one of the only ways to experience both TrueHD and DTS-HD MA.

Profile 2.0:

Panasonic DMP-BD50: Panasonic’s DMP-BD50 is essentially a BD30 with the addition of BD-Live capability. It will be available in the second quarter of 2008. Though it has yet to be tested the fine performance of Panasonic’s BD30 makes it a safe recommendation.

Recommended Blu-ray Movie Retailers

Blu-ray movies are much more expensive than their DVD equivalents if you buy them in stores. I strongly recommend you purchase your movies online from Amazon, where they typically cost $10-$15 less per movie. There’s a big difference between $21.95 and $34.95, both financially and perceptually! Keep your eyes open for online sales, too.

Recommended Blu-ray Movies

This list is by no means comprehensive- just some great titles to get your started with Blu-ray and show you what it can do.

20th Century Fox: Some of the earlier Fox titles use MPEG2, an older video encoding process. Recent titles use the more modern AVC encoding and top-notch jobs of film transfer, leading to stunning picture quality. Fox uses DTS-HD for lossless audio. Fox promises to release a great many new titles in 2008, including Patton, one of the best war movies ever made.

Fantastic Four: Rise of the Silver Surfer: Dramatic action sequences both on Earth and in deep space show what a difference Blu-ray can make in your system. This disc features a near-perfect film transfer with tremendous detail and bright yet realistic color. Be sure to check out the great documentary features, including interviews with comic book artists and writers.

The Simpsons Movie: A must-have for Simpsons fans!

Disney: Many believe Disney to be the finest studio in the high-definition disc business, consistently producing top-quality audio and video and some of the neatest menus and interactive features available. Disney movies should be in your hand when you are in the checkout line with your Blu-ray player. Disney uses 24-bit LPCM on almost all of their titles.

Cars: On a good system this movie looks almost 3-dimensional as the cars race around the track- it’s like there are models racing around inside your TV and you are watching through a clear window. Features interactive Car Finder game.

Pirates of the Caribbean 1, 2, and 3: Reference-quality audio and video and a blend of action, reality and fantasy make the Pirates series some of the best films available on Blu-ray.

New Line Cinema

Hairspray: Hairspray has a great story and quirky, interesting and likeable characters throughout. The film bursts with energy, featuring great choreography and music.

Sony Pictures: As a primary creator of the Blu-ray Disc format, Sony’s support has been strong. LPCM is the most commonly used lossless audio format and is featured on almost every Sony Pictures title.

Casino Royale: Spectacular film transfer with deep, rich color and detail that makes you feel like you are there in the middle of the action. Tons of shameless Sony product placement in this one- look for the Sony phone and Sony Blu-ray Disc player!

The Life of Brian: Monty Python’s classic looks great in HD. You may find the falling-blocks menu neat or annoying, depending on how you like gimmicks. This title has great-looking menus, too. Features both Dolby TrueHD and LPCM lossless audio.

Warner Bros.: The most prolific studio in high definition, Warner produces more titles on Blu-ray than anyone else. LPCM and Dolby TrueHD are both used.

300: Though liberties are taken with historical accuracy regarding the Spartans and the battle of Thermopylae, this film is a triumphant merging of CGI and live action and will keep you on the edge of your seat. Make sure you have the stomach for lots of gore. Features both TrueHD and LPCM soundtracks.

2001: A Space Odyssey: Kubrick’s sci-fi classic is a perfect example of how good classic movies can look in high definition. With a good TV you can read the writing on the instructions for the zero-gravity toilet! 24-bit LPCM sound.

Blade Runner: Beautifully restored print of this sci-fi classic looks almost 3-dimensional with a tremendous sense of depth. Director’s cut features an ending different than the happier original. Dolby TrueHD sound.

Harry Potter (all titles): Harry Potter’s fantasy world is perfect for HD. What more needs to be said? LPCM sound.

Planet Earth: This BBC documentary series is probably the best nature series ever made and an absolute must-have. Iimagery is powerful, magnificent, featuring vistas that are almost, well, unworldly as you see sights you never knew existed on our planet.

Other Studios

Universal Studios and Paramount Pictures have recently announced Blu-ray support and are expected to release titles by mid-2008.

Appendix: Upgrading your sound system

As a final note, now that you are ready to embrace Blu-ray you may want to upgrade your sound system to make the most of it. Below are some of the best values available in speakers and receivers. All of them feature class-leading performance in their price range and are sure to satisfy anyone looking for great sound for TV, movies and music. Add your Blu-ray player and you’re all set for fantastic home theater!

Speakers

Great speakers are the key to a great sounding audio system. Truly good ones will sound great no matter what you play through them… classical or rock music, action movies, sports on TV, vinyl records or CDs. This is by far the most important part of your sound system and worthy of serious investment, if you have the means. Listed here are some easily affordable options sure to make you smile.

Insignia NS-B2111 $87.98/pair

Sold exclusively at Best Buy, these speakers have crisp, clean sound that is also warm and full-sounding. I never thought I would recommend a speaker selling for under $100 per pair as suitable for use in a quality sound system… yet here I am doing exactly that. Two pairs of these and an entry-level Onkyo receiver make for an excellent-sounding four channel surround system that will blow the doors off of most any home-theater in-a-box system. They are not magnetically shielded so you can’t put them too close to a tube-type TV. Listing for $87.98, they are often on sale for $75 or less.

Acculine $249/pair and up

What makes Acculine speakers special is their leaf tweeters, typically found only in very expensive, exotic speakers. These tweeters must be heard to be appreciated, as they render sound so transparently and with so much detail that I liken it to a sonic version of the visual difference between HDTV and analog TV-they are really that good! I imagine a lot of new owners will turn their heads in disbelief as they hear sounds in their recordings they never knew existed. They speakers are very well made, with solid cabinets with high quality aluminum woofers.

To show Acculine’s extreme value equation, we will build two Acculine 5.1 channel systems. The Acculine A1s are $249 per pair with two pairs required, one for mains and one for surrounds. This comes to $498. The A-2 Center Channel is $179 and the Acculine ASub is $289. This gets you a top performing home theater speaker system using exotic technology for only $966. That’s pretty incredible!

The second Acculine system mimics the one above, but uses Acculine A3 towers as main speakers. The A3s are $499 per pair, a $250 difference which brings the total to $1216. This is equally incredible for a high quality system using tower speakers.

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