The answers are different for different folks, but if you’re one of the millions of homes that’s not fully HD-ified, don’t fret. There are cheap options that may make you perfectly happy even though the cable and satellite companies might say otherwise.

First Scenario: You have a modern HD-ready TV (most often plasma or LCD with what’s called an ATSC tuner) purchased in the last 4 or 5 years and you subscribe to cable or satellite service. To get HD channels you’ll generally want to ask your provider for a new HD-capable box, which could also mean a new dish if you’re a satellite customer. This will usually bump up your monthly fee, but not by much. And this is the kind of situation where satellite customers should hold out for free upgrades of all hardware since you’ll be paying more monthly in the long term and making the satellite provider happy. Also note that while the major networks and some of the cable networks will then be arriving in HD, many if not most of them will still be the same old channels until every channel is available in HD.

Second Scenario: You have a modern HD-ready TV but don’t want to pay any more monthly or are ready to give up pay service entirely. This is actually a better option than ever now that crystal clear HD signals are being broadcast in every major city. It may seem antiquated, but if you live within about 30 miles of your local TV towers you can usually use an inexpensive indoor antenna to pull in full HD broadcasts of the major networks (NBC, CBS, etc). With zero monthly fee you’ll be watching full HD that exceeds the signal quality of most satellite and cable HD signals. There won’t be any Comedy Central or MTV unless you also pay for standard cable/satellite, but you can’t beat free.

Third Scenario: You have an old TV, no interest in HD, and don’t subscribe to cable or satellite service. Starting in February 2009 (unless they delay it again, which is always a possibility), you’ll need a small analog/digital converter box connected to your TV since the old signals TV stations have been sending for 50+ years will be turned off. This box will probably cost around $50 and the price can be offset by coupons the government is handing out here. You may also want a slightly fancier antenna, but if you get clear over the air signals now you may not need it.

See? That wasn’t so bad.

Helpful Links:

furniture ElhovoAntennaWeb.org - Type in your street address (you can leave all the other fields blank) and get a detailed survey of digital (HD) broadcasters in your area. They’ll also recommend an antenna type and tell you which way to point it.

Phillips HD Antenna - This cheap antenna at Amazon.com is highly recommended and will pull in beautiful HD signals for folks in most U.S. metropolitan areas.

DTV2009.gov - Request free coupons that will get you a cheaper converter box for old TVs that aren’t HD ready and won’t be connected to cable or satellite service.

Prosper handles all the details and even sends out the debt collectors if borrowers fall behind in their payments. And best of all, you get to read the prospective borrowers’ life stories and decide based on their details and credit history whether you’d like to help them out by bidding at a specific interest rate. Your personal risk as a lender stays relatively low since the money you invest is spread across multiple borrowers in small increments. You can also increase your profits as a lender by re-loaning money to someone else as it’s paid back just like the banks do.

I’m just now getting my feet wet as a lender, but so far I’m hooked. Whether you’re looking for financial help or can afford to invest some money to help folks get back on their feet, I say give it a try.

Also, if you discover anything incorrect in any of the three reports don’t hesitate to follow the company’s instructions for disputing it (usually possible entirely via their web sites). The burden is then on the creditor to prove that the item is correct, and if they can’t do so the error will eventually disappear from your credit report.

So how does it work? Here in LA several chains deliver — including our largest local chain Albertsons. Strangely, these services are very poorly advertised. It’s possible the chains fear cannibalizing too much of their in-store revenue. In any case, Albertsons has become our favorite even though all the services work about the same: You just create an account online and add items to your cart like you would at any online store. They also let you add your regular purchases to a saved list so that subsequent orders will go even faster. Produce, meat, frozen food, and everything else they carry in the regular stores can be ordered online. Everything but hot deli food, that is. Then you pick a 1 1/2-hour delivery window the next day or anytime thereafter (including Sundays) and at the appointed time a truck pulls up to your door. They even carry it into your kitchen if you like with no tipping.

So is it more expensive than going to the store? Delivery from HomeGrocer was always free, but that’s not usually the case now. Albertsons charges $10 per delivery, but they almost always offer $10 discount codes for online orders so delivery is still effectively free. “HCC33″ is the code I’ve used for Albertsons.com for over a year now and it’s still good as of yesterday. And what about the prices? They’re always identical to those in the store — including loyalty card discounts. I hear they even accept coupons that you hand to your driver on delivery, but I’ve yet to try this.

So if you’re not yet a convert, give it a try. Once you let someone else carry your cases of soda, canned goods, and 50-pound bags of dog food into your kitchen you’ll never want to go back.

Update: The HCC33 code is now dead, but try 98676 instead.

• Beware the fine print. There are unscrupulous sellers who rope you in with a seemingly good deal on a brand new phone — with tiny print indicating you’re actually being signed up as a new Sprint/Cingular/FlyByNight customer with a lengthy contract. If you’re really a new cell customer looking for a contract, you’re probably better off dealing with the cell provider directly.
• Get a phone you know works on your provider. While there is such a thing as an “unlocked” phone that can be made to work on multiple providers, there’s really no need to go that route. Just get a phone that’s previously been used on your provider (ideally within the last year or so) and you should be fine. Be sure to confirm with the seller that the phone has previously been active on your provider’s service — but is not any longer (see below).
• Make sure it’s free and clear. While you want to know the phone has been used on your provider, you also want to be sure that it was deactivated since then. In other words, you don’t want the hassle of trying to activate a phone that’s still activated on someone else’s plan. Before bidding, confirm with the seller that the phone has been used with your provider but is no longer activated. Also find out whether the phone has ever been reported to the provider as lost or stolen, which could make it unusable.
• What’s a SIM card? Many providers use SIM cards, which let you move your phone service from your current phone to any other supported phone simply by moving the little plastic SIM card. Sprint uses a different system without SIM cards, so this isn’t always a consideration.
• Make sure the auction includes what you’ll need. Don’t buy a phone that doesn’t include at least a working battery and the original AC charger. These can both be replaced (also via eBay), but it’s best to get a complete package to start. If the seller is willing to thow in more accessories, all the better.
• Get anything else you’ll need separately. Even if your phone includes the basics, you may want to also get a car charger, extra battery, etc. Again, eBay sellers will have anything you need — just search on the phone’s model number. And the accessories need not be OEM. I’ve been using knockoff batteries and accessories for my phones for years and haven’t had a dud yet.
• Don’t get charged for saving a company money. Sprint and others try to charge a fee every time you activate a new phone whether you got it from them or not. Customer service reps are generally allowed to waive the fee, though. If you see an activation charge on your next bill, call them up and remind them that you just saved them a ton of money by obtaining a replacement phone yourself.

Cell Phones - Once a year or so call your provider, mention that you’re looking around at other companies, and ask if they can do better (it wouldn’t hurt to have a specific deal from another company in mind). The result is often a credit toward a new phone or some extra minutes thrown in every month.

Satellite TV - DirecTV and the rest are in cutthroat competition with the cable companies and each other, so they’re often good for either a hardware upgrade or a few months of free movie channels once you’ve paid your bill for a year or so. And if you have a service upgrade in mind that would result in an increased monthly revenue to them, they’re practically putty in your hands. Push for all the hardware plus installation for free and you’ll often get it. The same advice probably doesn’t apply for cable companies since they usually don’t charge you for hardware, but it can’t hurt to mention you’re thinking of going with satellite and see what they say.

Credit Cards - As anyone will tell you, the best way to save money with credit cards is not to use them — or at least pay off your balance every month. Still, you can take advantage of the fact that a customer with good credit is very valuable to the folks hoping to get you into serious debt. Even if you don’t use your card a lot, make a habit of calling the company every year and asking if they’re offering you their best terms. Don’t be afraid to mention that you’ve been offered a different card with a better interest rate. Use the same method to get any annual fees waived. There’s no reason to pay an annual fee for any credit card when so many don’t have them.