27 February 2018

Game On

Game on! Why We Love to Play the Lottery 

As much as we would like to think that genders are equal in modern society, and even though it might not be politically correct to say it, when it comes to gaming and gambling there are significant differences between the sexes. 

The Victorian Responsible Gambling Foundation in Australia determined that "men were significantly more likely than women to gamble for social reasons or for general entertainment, while women were more likely to gamble for charity or because gambling relieved stress, loneliness and boredom." 

Men, it is said, are more likely than women to take risks. This is why, studies suggest, that men tend to favour sports betting, horse racing, and online gambling. This tendency can also explain why men play more poker than women, and on the other hand, why women are more attracted to other types of games, like bingo. 


But with the lottery, it seems that we all want to play the game. When the American Powerball lottery offered a record-breaking jackpot of $1.58 billion in January 2016, or when the other big American lottery Mega Millions offered its own incredible jackpot prize of $656 million in March 2012, there was a mad rush on ticket sales. Even those who had never previously purchased lottery tickets were eager to take a chance on winning such a huge, life-changing prize. 

Imagine what we could do if we won the lottery. Buy a new home. Travel the world. Go wild with a new sports car. Or two. If we would use our lottery windfall wisely, we would ensure our family’s financial security for a generation or two. 

The odds of winning a lottery jackpot are quite low, infinitesimal in fact. To win Powerball you would have to beat odds of 1:292,201,338, while in the UK, you only have a 1 in 1:45,057,474 chance. But winning the lottery doesn’t necessarily mean winning the jackpot. Lotteries offer a wide range of secondary prizes and the odds of winning one are significantly better. Many lotteries stage supplementary raffles, increasing the chances of winning a prize in a lottery draw. 
Whatever the odds, as insurmountable as they may see, we are not dissuaded from purchasing tickets. According to studies, 70 percent of UK adults play the lottery on a regular basis. And the North American Association of State and Provincial Lotteries determined that Americans spent a total of $70 billion on lottery tickets in 2016, more than they spent on sports tickets, books, video games, films, and music combined. 

Statistics aside, whenever lotteries offer incredible jackpot prizes, there is no difference between gender, age, or financial standing – we all hurry to purchase our lottery tickets. We know that if we don’t play the game, we won’t have a chance of winning the prize. 


Playing the lottery gives us a chance, as small as it might seem, of winning something very big. It’s a game we all want to play, so game on!

CARL
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9 February 2018

Should We Opt For An Electric Car?

I'd say that for about the last ten years or so myself and the wife have always made sure we have bought a brand new car whenever the opportunity arises.
The main reason for this being that after three or four years we always had the opportunity to trade it in for another new one.

We realise that this may work out quite expensive but because we have had so many negative experiences buying second-hand cars when it comes down to having them MOT'd, not to mention all of the upkeep and seemingly endless maintenance costs they required due to their age - it just never seemed worth it.

We are now going into the third year of having our current car and are really struggling with what to choose next.

Over the years we have had a mixture of petrol and diesel cars and we've liked both for different reasons.
We've found that the newer, lower emission cars have saved us money each month with their zero tax costings - a saving which was very welcome to discover.

 So with this in mind, it will come as no surprise that lately we have actually talked about the possibility of owning an electric car and we are thinking about heading down that route next.


We are both used to going to a petrol station on payday and filling the car up so we have a full tank to hopefully last us the month - it usually works too unless of course, we head out on a few family days which are usually a little further afield than planned for.

 Would this be the same scenario with an electric car though and how do you and where do you even full them up (charge them?)

Well I did a little research and there are 3462 New Motion charge-points throughout the UK and I'm sure as more and more people begin turning to electric cars the more charge points will be popping up.

I know the price of an electric car is considerably higher than a fuel powered car but do the savings on things like charging it and having to pay tax dividends work out in the long run?

This is a tough one because if you don't have the funds to purchase an electric car in the first place then the future savings kind of get overlooked. 


I know the last car we had was so eco-friendly that we didn't have to pay tax on it at all and it made a massive difference not having to fork out a lump sum every twelve months for it.

I've only ever been a passenger in an electric car and it was quite strange actually - it felt almost like I was floating around due it being so quiet and really quick but does this quickness and quietness outweigh the higher purchase costs?

Does being cheaper to operate outweigh long refuelling times?


I also know that the range and style is quite limited at the moment with the electric cars but after browsing the internet I did find some lovely looking ones - especially the BMWi8


It kind of looks like a car from the future and I could definitely see myself driving around town in one of these...sadly though it is way, way out of my price range - but I can dream, right?

I'm definitely confused on the whole is an electric car better debate and I'm 100% going to be doing a lot more research into this.
I do have another year or so before I have to make up my mind anyway - time will tell.

CARL
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