Nearly half of UK households say that they would struggle to cope if their monthly outgoings rose by £99. We look at how you can create some financial 'breathing space' to help you out if you lose your job or become ill.
Sky launches new catch-up TV service

Sky launches new catch-up TV service
You may not be aware of it, but a pitched battle is raging among pay-TV providers for our eyeballs and (more importantly) our wallets and purses.
The three biggest players currently fighting this pay-TV war are Sky, Virgin Media and BT Vision, but you also have some web-based offerings and the free services - Freeview, Freesat and YouView. (Although you will have to pay for equipment to see Freesat or YouView.)
Sky plays catch-up
On Wednesday (26 September), Sky upped the ante in the pay-TV war by announcing three improvements to its service, which already includes 10.3 million TV customers in the UK. Here they are, all of which are available now:
1.Catch-up TV
Over nine million Sky customers subscribe to Sky+, a personal video recorder (PVR) service that was launched 11 years ago in September 2001. This set-top box allows users to pause, record and instantly rewind live television, similar to the popular TiVo service.
Sky+ is upgrading its EPG (electronic programming guide) to include Sky+ Catch Up. This seven-day feature in Sky's On Demand service (formerly Sky Anytime+) now allows users to watch programmes from Sky, ITV Player and Channel 5's Demand 5. Also, Sky has indicated that free-to-view shows from BBC iPlayer will arrive this autumn, with programming from Channel 4's 4oD to follow early next year.
Sky+ Catch Up is divided into simple categories, making it easy to search and find what you want to watch by most popular shows, genres and days. Even better, this upgrade comes at no extra cost; all you need do is connect to a broadband router to stream on-demand programmes via the Internet.
To get this upgrade, you can either wait for Sky to update your set-top box or force an update yourself via your box's set-up menu.
2.Double the storage
At the same time as unveiling its catch-up service, Sky announced the launch of a new Sky+HD 2TB (two terabyte) set-top box. This is double the personal storage of existing 1TB boxes, allowing users to store over 350 hours of HD (high definition) content. In contrast, Sky's main rival, Virgin Media, provides only a third as much storage capacity.
This new set-up box will be priced between £49 and £249, depending on your Sky package and customer status.
3.Sky+ app by zeebox
Recent research from Sky that found three-quarters of Brits are 'second-screen viewers' who combine viewing television with accessing additional content on second screens (such as laptops, smartphones and tablet PCs).
Hence, Sky has added the zeebox service to its Sky+ app for iPad, allowing viewers to interact with their favourite TV shows. This gives Sky+ viewers access to online and social-networking communities dedicated to discussing virtually every television show in the UK.
Sky's latest update also allows viewers to use their iPads as remote controls for their Sky+ service. Again, this upgrade is provided at no extra charge as a free download in the App Store.
Three best-selling bundles (TV, broadband and phone)
With more customers than all its pay-TV rivals put together, Sky+ is already the UK's most popular personal video recorder. Hence, Sky+ has been described by technology magazine T3 as "King of the TV services jungle".
That said, how does the pricing of Sky's packages compare with its rivals? Let's find out with a review of the latest Best Buys for bundles -- TV, broadband and home phone all rolled into one monthly payment.
There are as many possible bundles as there are clouds in the sky, so I've narrowed down this selection to one pick from each of the 'Big Three' (Sky, Virgin and BT). Here they are:
Provider | Package | Broadband speed/ usage | TV channels (up to) | Calls | First- year cost | Deals |
BT | 16MB/10GB | 79 | Evening & Weekend | £178.95 | £4 a month for six months £25 Sainsbury's voucher | |
Virgin Media | 30MB/ Unlimited | 70 | Weekend | £225 | Half-price for six months (saving £75) | |
Sky | 14MB/2GB | 318 | Weekend | £260.18 | £100 M&S voucher until Tuesday, 2 October |
(Note that these deals don't include landline rental, which is £14.60 a month for BT, £13.90 for Virgin Media and for £14.50 Sky.)
Here's why I picked these three deals:
1. This BT deal is by far the cheapest currently on offer, with a first-year cost below £179. That's less than £14 a month for TV, broadband and calls (excluding line rental).
2. Virgin Media's Essential Collection gives almost as many TV channels as BT, but potentially much faster broadband download speeds (depending on your area and distance from the local exchange), plus unlimited downloads.
3. Sky's broadband is slower than Virgin's, but customers get access to Sky Atlantic, Sky Anytime+, Sky Go and free WiFi from The Cloud when they’re out and about.
Finally, as with all bundled deals, what you get depends very much on your postcode. The above examples are for a home in Greenwich, south London. For best results, always do a postcode search for the available deals in your area!
> Find and compare broadband bundles
More on entertainment and broadband:
Lord Sugar's YouView set-top box is a letdown
Netflix vs Lovefilm vs NOW TV: the cheapest way to watch films
Amazon Cloud Player: mp3 albums for only 99p
Watch out for this Sky Plus communal dish trap
UK's worst broadband provider
related stories on msn
latest money videos
more on msn money

Avoid these mistakes if you want to lead a richer life!

Save regularly to nab a leading easy access ISA rate from Newcastle Building Society and the chance to earn up to £1,000 cashback.

Barclaycard is now offering a record 27 interest-free months to pay off your debts.

The taxman says three and a half million people are due a refund, but two million will have to fork out for underpaid tax.

Fed up with low savings rates and high borrowing rates? As Dave Fishwick and his Bank of Dave has demonstrated, there are other options out there.

If you want to find a unique property bargain, there is plenty of help available online - you just need to know where to look.

US couple have found an innovative solution to the problem of sky-high house prices.

The two banks have now joined the Post Office's banking network, meaning customers can make withdrawals and deposits at branches around the UK.

Get 5p off per litre of fuel at Shell, broadband from £2 a month and more in our latest discount and freebie round-up.

Lifestyling is supposed to mean that your pension pot becomes more secure the nearer you get to retirement. Yet your pension provider might be switching you to overpriced and therefore riskier investments.

If you want to borrow a larger sum of money and repay it over time, a conventional personal loan is not always your best option.



