Listen to Episode 441
Episode 441 - On this week's episode, Andy discusses the cheapest way to get access to different TV streaming services, including Disney+, Now TV, Netflix, Amazon Prime Video, Apple TV+ and Paramount+. I then also analyse the historical data of the Santa rally and its potential impact on stock market returns. I also reveal whether it's losing its magic. Lastly, I explain the concept of flexible ISAs and how they can be used to boost the interest you earn on your savings.
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Episode 411 highlights
Cheapest way to stream TV
During this part of the podcast we explore cost-saving strategies for TV streaming services. For Disney+, it costs £7.99/month for standard and £10.99/month for premium. There's a cheaper £4.99/month plan with ads. Annual payment offers a 10% discount.
Cashback deals on sites like Quidco and Top Cashback can provide further savings. For Sky Cinema, a £1/month offer for returning customers is available. The cost of Netflix can be reduced by adding it to a Sky package, reducing the £10.99/month fee. Amazon Prime Video offers 30-day free trials and weekly access for 99p. Apple TV Plus often has free three-month viewing offers, even for past users. These offers are available when purchasing official Apple products, but also available from certain retailers such as Currys even when purchasing non-Apple products.
Santa rally 2023
This segment discusses the 'Santa Rally' in stock markets. Historically, the S&P 500 has a 73% chance of a positive December, while the FTSE 100's odds are approximately 85%. However, in recent years the effects have been waning. The average December return for the S&P 500 over the last five years is now only -0.8%. For the FTSE 100, the average return in the last decade remains over 1%, but the odds of a positive December have dropped to 60%.
Flexible ISA trick
During this part of the episode we focus on flexible Individual Savings Accounts (ISAs). Flexible ISAs allow for withdrawals and replacements within the same tax year without reducing your £20,000 annual ISA allowance. This flexibility is useful for emergencies or taking advantage of higher interest rates in regular savings accounts, especially given that the best savings rates are often found outside of cash ISAs.
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