Down Time Drivel

I would speak to them and review your consumer rights.

Lots of variables, how you paid, ordered etcā€¦howeverā€¦

I imagine with the right conversation you could achieve a price match. I get that consumer loyalty and fairness is also an issue and i would mention this and how you feel let down by brand loyalty etc etc.

Apple returns policy is also hereā€¦

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Cheers.

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Iā€™m missed, Iā€™m loved :slight_smile: thanks buddy old pal :smiley: just some phone troubles a broken bone and belly flu 3 weeks nowā€¦ So just have switched off havenā€™t even looked at my portfolio much in a month,

Hope you and everyone else is doing good :+1:

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Great to see you back on @Kiava :grin:

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Still working on getting next years wood in. old rural saying ā€œYou can never have to much wood just to little space to store itā€
Total of 6 wood stores of various sizes. A small one needs filling, after I repair it. It has a bit of lean on it. A bit of a leaning tower of Pisa look to it!

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Very impressive. Like tha attitude and the set up a lot.

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Looks like ash wood is that from ash die back ? there are lots of dead ash around here from it going for fire wood.

Mixed wood. Maybe some ash in there. I donā€™t cut down trees as there is lots of fallen trees and branches. Just back from finishing of cutting up a fallen tree. About 6 fetches in my cycle trailer and pannier bags. I will start tomorrowā€¦ probably!

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I donā€™t habitually do the lotto in any of its forms but occasionally do a luck dip when I feel inspired.

I spent Ā£2.50 on a Euro-Million lucky dip and today have won the grand total ofā€¦ Ā£2.70 :joy:

2 numbers wins 20p more than the ticket priceā€¦why bother with this prize tier !!!

Lets hope the ticket I buy with the ā€˜winningsā€™ is a little more generous.

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A bit like pound scratch cards when you win a pound back, pointless. I presume people gamble to win not make their money back. Either way I donā€™t touch these, chances of winning big are so slim.

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Yeah pointless, and definitely not a good use of moneyā€¦ Iā€™d say I do one lucky dip a month on averageā€¦on a whim.

You often see seemingly desperate people spending way too much on lottery products, which is quite sad and dangerously unrestrained .

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I allow myself a small ā€˜gambling budgetā€™, so do the Thunderball lotto, which is just a Ā£1, and top prize is only Ā£500k. Occasionally, I win the odd tenner, which gets invested.

I donā€™t buy lotto scratchcards for myself but pop them in Christmas cards for my close friends and family.

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Didnt even know the thunderball was still goingā€¦maybe a more modest prize reduces popularity and increases your chances of the big winā€¦certainly Ā£500k would be a welcome boost :slightly_smiling_face:

As above, any small and whimsical punt is purely entertainment.

Do any of you guys have premium bonds? What do you reckon are they worth having?

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Donā€™t hold them personally but there are some interesting stats in the below link. Outside of investing my only ā€˜side hustleā€™ is matched betting, although that is deteriorating in ROI!

https://www.moneysavingexpert.com/savings/premium-bonds/#:~:text=Your%20chance%20of%20winning%20the,chance%20you%20have%20of%20winning.

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I moved my investments into premium bonds temporarily a few months ago to prevent any short term loses as I may use the money to buy property.

Since then Iā€™ve won Ā£50 and lost about Ā£1k in potential stock growth. Theres a huge luck elementā€¦and the stats say big holdings do much better.

I say fill your ISA first, and only if you run out of tax free places to hold money, then Iā€™d hold some premium bonds as a small aside if you are lucky enough to have that much cash.

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Good to know. Thanks for the info.

Right back to fun stuff team Xbox or PlayStation? Iā€™m Xbox myself thinking about getting a PS5 as well but canā€™t decide if itā€™s worth it?

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I enjoyed FIFA and BO3 on Xbox a number of years backā€¦but as I approached 40 my reactions became far to slow and I was forced to retire after being routinely embarrassed by kids :joy:

No, itā€™s the same crappy odds :joy:

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Iā€™ve got some emergency cash in premium bonds. I see it as the proverbial cash under the mattress, except with a chance to win something each month. Any winnings are invested.

I donā€™t compare the bonds to investments or consider the opportunity cost lost, or loss in ROI - itā€™s my emergency cash, not part of my investment portfolio.

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