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Post by bracknellboy on Nov 3, 2022 7:55:58 GMT
£150 this month, which Includes I think my first ever, though possibly second £100. Haven't actually checked for the last few months, but its been pretty p*** poor:Oct £50 Sept £25 July AND Aug: £0 June £75 (kind of balances July/Aug).
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agent69
Member of DD Central
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Post by agent69 on Nov 3, 2022 8:00:24 GMT
Mrs Aju had best month yet in nearly 2 years of being invested. £100 & £25 on not quite full funding. Nothing for me on my £25 marker( Not surprising really) Most PB investors are having their best months for 2 years (and far beyond), because the prize rate is over twice where it stood 2 years ago, and is now at its highest since 2008. BTW, holding £25, you can expect one win every 80 years. You may wish to create your comment as a standing order every month for the next 960 months. 😁 I was given £10 worth as a cristening present back in the 50's. No wonder I never won, until adding £49,990 to it a couple of years ago.
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daveb
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Post by daveb on Nov 4, 2022 21:09:57 GMT
Well I suggested premium bonds to a friend a couple of months ago-he just told me that he won £10,075 this month and thanks me for the advice. I got £200 so mustn't grumble.
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aju
Member of DD Central
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Post by aju on Nov 5, 2022 14:08:14 GMT
So Mrs aju now has quite a few £25 bond groups and i wondered how easy it was or even if it was worth it to move these out en block and relend as a larger amount. There are some questions in this.
1. Is it worth it as she has never had a hit in these 26 small blocks (.
2. The larger blocks she has are £20,000 (14 wins of £25), £11,000 ( 6 wins of £25), £6,000 ( 4 wins of £25) etc
Anyone moved these things around to get bigger blocks her current banks cannot push >20000 so if we can keep it in house then we could actually build one block of approx 1200 short of top amount.
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Post by Ace on Nov 5, 2022 17:21:27 GMT
So Mrs aju now has quite a few £25 bond groups and i wondered how easy it was or even if it was worth it to move these out en block and relend as a larger amount. There are some questions in this. 1. Is it worth it as she has never had a hit in these 26 small blocks (. 2. The larger blocks she has are £20,000 (14 wins of £25), £11,000 ( 6 wins of £25), £6,000 ( 4 wins of £25) etc Anyone moved these things around to get bigger blocks her current banks cannot push >20000 so if we can keep it in house then we could actually build one block of approx 1200 short of top amount. Trying to combine them is pointless and would actually reduce your chances of winning as those bonds would be out of the draw for at least one month. Each and every bond has an equal chance of winning. Combining bonds into larger groups makes no difference to this. People believe in the false "larger blocks have a better chance of winning" theory because they notice that larger blocks win more often, but it's not true. Of course larger blocks tend to win more often because they contain more bonds, so more chances of a win. But this is exactly the same chance when you have multiple small blocks that add up to the same as the larger block.
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aju
Member of DD Central
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Post by aju on Nov 5, 2022 17:38:54 GMT
So Mrs aju now has quite a few £25 bond groups and i wondered how easy it was or even if it was worth it to move these out en block and relend as a larger amount. There are some questions in this. 1. Is it worth it as she has never had a hit in these 26 small blocks (. 2. The larger blocks she has are £20,000 (14 wins of £25), £11,000 ( 6 wins of £25), £6,000 ( 4 wins of £25) etc Anyone moved these things around to get bigger blocks her current banks cannot push >20000 so if we can keep it in house then we could actually build one block of approx 1200 short of top amount. Trying to combine them is pointless and would actually reduce your chances of winning as those bonds would be out of the draw for at least one month. Each and every bond has an equal chance of winning. Combining bonds into larger groups makes no difference to this. People believe in the false "larger blocks have a better chance of winning" theory because they notice that larger blocks win more often, but it's not true. Of course larger blocks tend to win more often because they contain more bonds, so more chances of a win. But this is exactly the same chance when you have multiple small blocks that add up to the same as the larger block. All good points Ace thanks. Saves me having to open an income bond for Mrs Aju to bunch them although the rate is not that bad I wonder how long it will stay though.
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Post by bracknellboy on Nov 5, 2022 23:11:38 GMT
So Mrs aju now has quite a few £25 bond groups and i wondered how easy it was or even if it was worth it to move these out en block and relend as a larger amount. There are some questions in this. 1. Is it worth it as she has never had a hit in these 26 small blocks (. 2. The larger blocks she has are £20,000 (14 wins of £25), £11,000 ( 6 wins of £25), £6,000 ( 4 wins of £25) etc Anyone moved these things around to get bigger blocks her current banks cannot push >20000 so if we can keep it in house then we could actually build one block of approx 1200 short of top amount. if I understand the question correctly: it would be completely and utterly pointless. It is individual PBs which are 'drawn'/'selected'/entered into, not 'blocks'. The concept that one owns 'blocks' is an artificial mentally created one. You own a stack of PBs, some of which happen to be adjacent/consecutive numbers to others that you own, in larger or smaller consecutive sequences. But you still hold individual PBs, and that is all that matters. The rest is 'confirmational bias'. I'd be very confident that if you took any one of your small 'blocks' (set of PBs which just happen to have consecutive numbers) and logically pooled it with all other PBs either side of it, regardless of who owned them, to get to a pool the same size as your £20k pool, then both pools would show very similar results within an expected/normal variance. Or at least it would do if you did it across very many different same sized pools in order to tend to the mean.
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aju
Member of DD Central
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Post by aju on Nov 5, 2022 23:51:36 GMT
So Mrs aju now has quite a few £25 bond groups and i wondered how easy it was or even if it was worth it to move these out en block and relend as a larger amount. There are some questions in this. 1. Is it worth it as she has never had a hit in these 26 small blocks (. 2. The larger blocks she has are £20,000 (14 wins of £25), £11,000 ( 6 wins of £25), £6,000 ( 4 wins of £25) etc Anyone moved these things around to get bigger blocks her current banks cannot push >20000 so if we can keep it in house then we could actually build one block of approx 1200 short of top amount. if I understand the question correctly: it would be completely and utterly pointless. It is individual PBs which are 'drawn'/'selected'/entered into, not 'blocks'. The concept that one owns 'blocks' is an artificial mentally created one. You own a stack of PBs, some of which happen to be adjacent/consecutive numbers to others that you own, in larger or smaller consecutive sequences. But you still hold individual PBs, and that is all that matters. The rest is 'confirmational bias'. I'd be very confident that if you took any one of your small 'blocks' (set of PBs which just happen to have consecutive numbers) and logically pooled it with all other PBs either side of it, regardless of who owned them, to get to a pool the same size as your £20k pool, then both pools would show very similar results within an expected/normal variance. Or at least it would do if you did it across very many different same sized pools in order to tend to the mean. Thanks bracknellboy , sounds a bit like hard sums - not seen anything like those since leaving school some 50 or more years ago. Must look out some of the old maths books in the loft but don't mention it to Mrs Aju she thinks we dumped them all when we moved to rainy wilts. ;-)
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agent69
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Post by agent69 on Dec 2, 2022 9:28:19 GMT
£100 + £25 this month.
First ever £100
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registerme
Member of DD Central
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Post by registerme on Dec 2, 2022 9:38:34 GMT
£75 in December, which makes for £275 in 2022. Or a 0.55% return.
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benaj
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N/A
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Post by benaj on Dec 2, 2022 9:55:15 GMT
1 x £25 n 1 x £100 in December, same as BoE base rate
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Post by stevepn on Dec 2, 2022 10:19:21 GMT
1 x £100 this month.
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jonno
Member of DD Central
nil satis nisi optimum
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Post by jonno on Dec 2, 2022 10:33:03 GMT
1x£100 plus 2x£25. Not too bad; I think that's the first £100 I've had for a long time.
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Post by wildlife2 on Dec 2, 2022 12:17:34 GMT
Same here, 1x £100 and 2x £25.
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Post by Ace on Dec 2, 2022 12:28:12 GMT
Just 3 * £25 this month for me. £1,250 for the year, so 2.5% profit.
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