Irish Winter Festival this coming weekend in Dublin. Anyone planning to go who might have €2k I could buy?

Thanks

Ireland confirm friendly with Poland next month. Hooooold!!

Never mind that, concentrate on winning that GUKPT @ Luton. Feel free to chop it with Thewy & Ryan if you like.

And if that Ireland bet comes in too, everyone's happy.

Kind of

Wow, proper player itt.

You a betting man Karl? Had you down as a bit too nitty for punting.

Yes good read although Mr Channing is leading me astray, at least until my short career gets "restricted"

Ireland confirm friendly with Poland next month. Hooooold!!

Never mind that, concentrate on winning that GUKPT @ Luton. Feel free to chop it with Thewy & Ryan if you like.

And if that Ireland bet comes in too, everyone's happy.

Kind of

Doobs, I see what you saying, although you are still not losing money on your initial investment with Premium Bonds, you are just not necessarily making the most.

The issues with the mortgage is that what do you do if your house price plummets and you wake up in negative equity? and what if you need access to the £30k immediately as I think Scotty said he wanted.

Good thing with Premium Bonds, available immediately, never lose value and CHANCE of scooping big. Bad thing is they are likely not to produce the biggest yield on your investment.

Glad to see you have some though. Such a degen.

Yeah, but you are losing money, you are losing £810 on average from just paying off the mortgage.  You'd expect to do worse if the comparison was investing in shares.  And though you say you don't lose money, inflation is going to get you for 3% or so too, so your 30k is going to be worth less when you take it out.  You'd be very fortunate to not lose money.

The chance of scooping big really is so small as to render it meaningless (45 billion to 1 is really really small).  

What I mostly do is try and pay the mortgage down and try and max the shares ISA.  Some years are easier than others.

Ryan shouldn't consider a pension yet because of his tax status.

If you have time could you elaborate on the Pension comment?

Probably got more time now than in the morning.  I'd say contributing to a pension when a non tax payer isn't really any better than as a basic rate tax payer.  The Government gives you some tax relief on the way in, and taxes you on the way out.  It is more complex than that because of tax free lump sums, interaction with benefits and the chance you could get taxed more on the way out etc.

The biggest beneficiaries are this people who pay top rate tax on the way in, basic rate on the way out.  That way your tax relief is a much more likely benefit.  I think someone like Ryan should be hoping he pays top rate tax in the future or gets a job where his employer contributes to the pension, and then considers paying in to a pension.  

This isn't saying he shouldn't save or pay off the mortgage, just there is a good chance he will find a better situation in the future to contribute to a pension than the one he finds himself currently.

Thanks a lot

Ha Tikay - unfortunately I missed out on the pension ladder this time but it is something I've thought about before

Doobs, I see what you saying, although you are still not losing money on your initial investment with Premium Bonds, you are just not necessarily making the most.

The issues with the mortgage is that what do you do if your house price plummets and you wake up in negative equity? and what if you need access to the £30k immediately as I think Scotty said he wanted.

Good thing with Premium Bonds, available immediately, never lose value and CHANCE of scooping big. Bad thing is they are likely not to produce the biggest yield on your investment.

Glad to see you have some though. Such a degen.

Yeah, but you are losing money, you are losing £810 on average from just paying off the mortgage.  You'd expect to do worse if the comparison was investing in shares.  And though you say you don't lose money, inflation is going to get you for 3% or so too, so your 30k is going to be worth less when you take it out.  You'd be very fortunate to not lose money.

The chance of scooping big really is so small as to render it meaningless (45 billion to 1 is really really small).  

What I mostly do is try and pay the mortgage down and try and max the shares ISA.  Some years are easier than others.

Ryan shouldn't consider a pension yet because of his tax status.

If you have time could you elaborate on the Pension comment?

lol - got to laugh when I saw this alias. Said person posts screenshots on Facebook all the time showing his aliases so hardly that confidential. I think he's been through a fair few ipoker sites being banned for various reasons

Sorry, mine have gone now

I have this if you're still looking but am based near London so would need to arrange delivery?

Wazz, can you show me a Pokerstove with 2 ranges (one that c/r called and one that cold called a check raise) pls

Wazz come on, we are waiting on this.

a cashout curse before tonight.................

was playing some billion hand sng of stars on a stake so kept my account empty untill monatoo shiped me a return on my stake in him
so after he sent it too me i went too withdraw it too keep account correct
ran like muck all night UNTILL i decided too reverse the cashout while i was left in one sng as it hadnt gone through and i was expecting a nasty email from stars saying
i couldnt withdraw it till i played it through then ran like god (with a few hic cups) for the next 30 minutes untill the turbo event was over

cash out curse exists i am now a believer or am i?

There must be many many people experienced this and it really does make you wonder. I tried a few of the less known sites to see if I could find what I'd call believable poker but found they got even worse. I came across one called pokerencore and found my experience on there to be what I can only describe as beyond a joke.

Thanks Tikay for nudging me in the direction of this post.

There's not much point in debating cash out curses and the like because some people will choose to believe it and we'd just go back and forth forever. Personally I don't believe in any curses.

I own and run Poker Encore along with Paul Jackson. Unfortunately people are right to be some what wary of smaller poker sites after what's happened to some in the last couple of years. We've tried to get round this by partnering our personal reputations with the backing of much larger companies. Until recently we operated in partnership with Genting and now we are partnered with Coral.

As Kinboshi said we are part of the iPoker network. All sites on the network are using exactly the same RNG. The games all operate in the same way. Some of the more well known sites on the network include William Hill, Paddy Power and Betfair.

If you are trying out a few of the smaller sites to find one with a "fair" RNG it sounds very much like you are only playing a small amount of hands before making your mind up. Downswings happen over much longer periods of time than you probably played for here and so it's not out of the ordinary for you you experience some bad luck, an outdraw or a cooler. Have you played on any other iPoker sites? Did you find their games more "true"? If so the illusion of patterns within randomness is clearly at play

I'm sorry that you didn't enjoy playing with us. All I can say is that although we are a small site we are operated in a very professional way with the backing and security of one of the UK's biggest gaming companies. Any players with queries or problems are welcome to come to me directly for quick resolutions. I can't stop you getting outdrawn but I can solve most other problems...

Good luck wherever you end up playing your poker

Karl Mahrenholz

Drop me a message Shaz if you're still having problems setting it up on iPoker

Karl

Counts for Amy & Praz when you can - much appreciated

Amy Trodd iphone battery % count pls?

Nil. I am currently charging it and having an over/under bet with myself on number of Bulldog pics in her folder

My midpoint is 150

oh wow, erm. Don't look too hard.

Amy Trodd iphone battery % count pls?

Hey - I'd like to receive some pounds, Lemme know.

Thx