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Card counting tips for players: how not to get caught

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Card counting gives a blackjack player an edge over the house. It’s an age-old practice that entails maintaining a mental tally of the dealt cards. That way, a player gets information about the cards that the dealer has not dealt the gamblers. Ideally, card counting is not the same as cheating. It’s using the brain to keep a mental tally of the cards.

However, some people think card counting is illegal because casinos frown upon the practice and remove a player from their premises if they suspect they are doing it. Nevertheless, many blackjack players see card counting as an excellent method for getting an edge over a casino.

Essentially, a blackjack card counter uses a strategy to tip the odds balance in their favor. In the simplest terms, a card counter attaches a value, negative, positive, or zero, to every card coming from the deck while maintaining a running count of the totals in their head.

In blackjack, high cards from tens to aces favor the gambler while the low ones favor the dealer. Therefore, counting the cards enables the bettor to predict when the deck has more high cards remaining. Thus, the deck becomes favorable to the gambler statistically, and they can increase their bets. And this strategy can give the player an edge over the casino.

Over the last decade, card counting has gone into the mainstream consciousness, thanks to publications like Bringing down the house and films like 21. These works have introduced card counting strategies that gamblers can use without getting caught by the casinos. Nevertheless, casinos have ways to detect card counters. That means you won’t get off scot-free if a casino suspects you’re counting cards.

Although card counting isn’t illegal, gambling venues do everything to prevent it. Nevertheless, it’s illegal for a casino to confiscate any of your chips or detain you for counting cards. Ideally, card counting is not a crime.

What you need to start counting cards 

If you play online blackjack for free, you might want to visit a local brick-and-mortar casino to play this game for real money. Nevertheless, master a mathematical strategy for assigning a specific value to every card out from the deck. Ideally, develop a technique for tracking the cards to know when you’re likely to get 21 or something close to it, thereby increasing your winning chances.

Although card counting doesn’t require you to be a mathematics wizard, you will need the following skills:

  • Expert-level comprehension of blackjack and its rules
  • The ability to subtract and add quickly whenever the cards are dealt
  • Adequate perceptiveness to track all cards dealt at your table, not yours only
  • The ability to act cool even under pressure because pit bosses and dealers know how to spot a card counter

Most blackjack players struggle to recall the cards the dealer dealt them in the past hand. However, some gamblers are skilled at this. Therefore, most casinos implement different measures to catch and punish card counters.

How card counting works

Casinos use a multi-deck system to ensure that it’s almost impossible for a gambler to count cards. But some players still count cards by assigning every card a value. For instance, high cards like Jacks, Tens, Kings, and Queens get a minus value. On the other hand, low cards like Four, Three, and Two get high values. Neutral cards are from Seven to Nine.

The card counter takes away or adds the value of every card dealt into a running tally. The player considers the effect of the removal of each card from the play on the casino’s advantage. And the gambler acts accordingly once the count reaches a point where they believe they have an advantage over the house.

Perhaps, this is the most straightforward way o look at card counting. However, some card counters are very sophisticated at it. But this is basically how card counting works. You try to figure out when you have an advantage over the house.

Card counters can gain significant advances than players who don’t count cards. In some cases, gamblers use card counting strategies to bring down the house edge to around 1%. While average card counters can move the edge to about 1% in their favor, some can increase it to 2.5%. And this can be significant for a player wagering around $100 per hand.

Methods casinos use to detect card counters 

No casino wants a player to have an advantage over them when playing blackjack. But card counting can do this, leading to significant revenue loss for casinos. Therefore, these venues have developed sophisticated and rudimentary methods for detecting and catching card counters. Here are some of the techniques that casinos use to detect card counters.

Monitoring player behaviors 

Monitoring the behaviors of gamblers at the card table is a rudimentary method that many casinos use to spot and catch card counters. A casino can have several staff members monitor players at the table, including the croupier, pit bosses, and video surveillance experts. Some of the behaviors that the casino staff pays attention to include:

  • Playing more than one hand at a go
  • Failure to play many hands
  • Dramatic variation in bet types
  • Buying-in in significant amounts
  • Moving from one blackjack table to another one
  • Not having a basic strategy

Remember that gamblers count cards to wager a significant amount when they believe they have an advantage over the house. For this reason, a casino can disincline a gambler to play many hands during the shoe. It’s also the reason pit bosses are wary when a gambler plays cautiously until the end of a shoe, and then they start betting adventurously.

Essentially, this method of catching card counters is like the cat and mouse games because players know what pit bosses look for and how to avoid it. Thus, they avoid any behavior that can make the casino staff detect them. For instance, a gambler can vary their playing style to suggest eccentric instead of actively counting the cards. If the casino staff notices any sign of card counting, it watches the player more closely or stops them from playing.

Using card counting detection software 

Technology has evolved rapidly over the decades. And casinos use advanced technology to understand a player’s behavior better if they suspect they are counting cards. Essentially, anti-card-counting software enables a casino to see the players that play games accurately because it’s unusual for blackjack players.

Card counters follow their math while playing to determine the right time to place a bet. On the other hand, a regular player will wager smaller or larger amounts depending on how they think or feel the cards will fall. If a player wins consistently, they can feel that they are running hot. When they don’t win for a while, they might think their fortune is almost changing and wager accordingly. Some of the technologies that casinos use to detect card counters include:

  • RFID Chips
  • Shuffle Master
  • MindPlay

These technologies enable casinos to monitor players’ behaviors and compare them to statistical models to flag up when and if a player bets in what seems like a suspicious way.

Signs of card counting 

For a casino to suspect that players are counting cards, it looks for specific signals. Therefore, understanding these signs can help you avoid getting caught when counting cards.

Placing larger bets during favourable counts 

Most casino managements know that the best way to catch card counters is to monitor when players place larger bets. These establishments use complex software to count cards and alert the dealers of favorable counts.

Therefore, if you start making larger bets at once when the count is favorable, the casino will know that you’re counting cards. Ideally, it’s rare for a player to change the average bet amount when the count is favorable for them.

If you don’t want the casino to detect you, avoid increasing your bet size at once. Instead, do it slowly or vary the bet size throughout the gameplay. That way, you will be less predictable.

Sudden entrance of big betters 

Most casino staff pay attention to sudden large bettors’ arrival. That’s because arriving at once could hint at a team that wants to work together because they had a player counting the cards and has signaled them to come and place big bets.

Therefore, card counters that want to work in a team should keep everything subtle. For instance, your group members can arrive at different times instead of entering at once.

Suspicious signaling and communicating 

Successful card counting for teams requires communication. Unfortunately, every communication that the parties send presents an opportunity for a casino to detect and catch card counters. Some casinos employ former card counters to help them see players that engage in this practice. Others have trained employees to safeguard their money. Thus, they know how to spot suspicious communication or signals.

Therefore, keep your communication to a minimum if you have to communicate with team members. Also, choose responsible individuals to stay sober, be subtle, and play nicely.

Practical card counting tips for players

Succeeding with card counting requires a player to be incredibly stealthy. But anybody can learn and practice to become an excellent card counter. Here are practical tips to help you with card counting.

  • Formulate and memorize a basic strategy: Maybe you’ve seen plastic cards with a basic plan in gift shops. You can learn that strategy and follow it when deciding to hit, split, stand, or double.
  • Take your time to watch: Stand behind the blackjack table and sit down only after seeing enough cards and feeling comfortable wagering a sizeable amount of money. Also, start small and increase your bet size progressively.
  • Assign a value to every card: Whenever the croupier deals a card, assign a value of plus one if it’s a low card and a minus one if it’s a high card. If it’s a middle card, assize it a zero to have a running count.
  • Raise the bets: Increase your bet once you have a high count. Essentially, you’ll have an advantage over the house if you have a running count more significant than the decks’ number in the shoe.
  • Avoid a player’s card: Most casinos offer an ID for rewarding frequent gamblers. And nobody doesn’t like the free drinks and foods that come with such loyalty programs. However, this ID gives the casino your information, and they can use it to track you faster.
  • Act drunk: Play like a drunken person, asking for advice. You may not use the advice, but it will create the impression that you’re not counting cards. You can even order some beers and pour them in the washroom and refill the bottle with water.
  • Change your appearance: Don’t look the same whenever you visit the casino where you count cards while playing blackjack. For instance, you can wear eyeglasses, jackets, and hats. But don’t have something intense because you can draw attention to yourself. Instead, wear something to through the security team off-trail.
  • Choose your games wisely: Card counting doesn’t affect all blackjack games. Therefore, research different blackjack games to know the best titles for this trick. Also, choose a game with beneficial rules and a betting spread whose limits you are comfortable playing.
  • Maintain small spreads: Don’t spread your bets maximally when counting cards. If you do that, the casino can notice and catch you. Therefore, go for all or nothing to avoid this spotlight.
  • Don’t talk about the count: A casino can catch you if you announce the count or do your counting visibly. As hinted, card counting is not easy. It’s a skill that requires time and practice. Therefore, please don’t take this skill to a local casino until you master it. Also, ensure that the pit bosses or the dealer don’t see you counting.
  • Take a break: Whether you make a successful or wrong count, always take a break. If you count cards successfully, it means the pit bosses and dealers can do it. Taking a break during a high count will create the impression that you’re not counting the cards. And this will distract the staff from monitoring you.
  • Tip the staff: Tipping the casino staff distracts them from paying attention to you even if they suspect you’re counting cards. Therefore, please share some of your winnings with the casino team to ensure they are always on your side. You can even engage the dealer to determine whether they would like you to tip them directly or play it. When you play the tip, the dealer can also play and double the tip size.

People have different ways of counting cards to get an advantage over the house. Nevertheless, these tips can enable you to sharpen your card counting strategy if you practice them more.

How not to get caught when counting cards 

In most cases, a casino will eject you from its premises if it catches you counting cards. What’s more, you might not redeem the chips with the casino’s cashier. That means you will be broke and embarrassed. The casino can ban you from stepping afoot at the casino. Some casinos can circulate your picture in the entire area, warning other gambling venues against allowing you to play on their premises. Therefore, ensure that the casino won’t detect or catch you counting cards. Here’s how to avoid getting caught when counting cards.

Make deliberate mistakes 

The casino has a team that knows the basic blackjack strategy. This team comprises staff members that know the best card counting strategies. Thus, they can see when you play smart and when you count cards. In the minds of the casino staff, a gambler with bad plays is an amateur.

Therefore, make deliberate mistakes when counting cards to appear like a beginner. For instance, you can split a tens’ pair if the dealer has a 10. Only a pure gambler or a beginner can make such a play. Although you may lose for doing this, you aim to appear like a beginner. But make such plays when betting the minimum and the deck is not hot.

Avoid a hot deck 

If the count is high, you can color the chips and then cash out. Look for a different table after the break. Most card counters lack the self-discipline to walk away knowing the deck favors them. And this is an excellent way to avoid the casino’s scrutiny. But don’t do this more often. A single break can be a powerful statement, telling the casino you’re not counting cards but being lucky.

Practice your card counting strategy 

If you play live blackjack when counting cards, you will find it mentally relaxing. Fumbling around and making a show by looking at every card on the table can draw attention to yourself. Therefore, practice your card counting strategy at home using peripheral vision to observe cards rather than staring at them directly.

Make quick decisions 

If the casino staff suspects that you’re counting cards, hesitating will confirm the suspicion. Therefore, develop a basic strategy and memorize it. Your plan should cater to the awkward moment when the casino staff suspects that you’re counting cards. Also, ensure that you can execute your card counting strategy without delays. Practice the plan until you master the correct play in every circumstance.

Avoid playing in one casino every week 

If you succeed in counting cards, visit different casinos whenever you want to play blackjack. Some places have many casinos, and hitting all of them could take close to a year. That way, you will avoid becoming a familiar face if you master an effective card counting strategy.

Return some money to the casino 

Perhaps, this sounds crazy, but it’s not. If you want to be an intelligent card counter, you must learn the best way to do it. Therefore, spend some winnings from blackjack and spend them playing crap or slots. It’s unlikely that a casino can toss you out when you play games that give it an overwhelming advantage. The amount you spend on other casino games should appear like investments in your blackjack career. And your reward will be greater if you’re lucky to hit the jackpot when playing a slot game.

Work as a team 

Creating a team sharing a bankroll can be a great way to excel with your card counting strategy. For instance, you can have many players at different tables to avoid detection. The gamblers can play a basic plan and flat-bet the minimum amount in every table. However, they can always count cards when playing.

The gamblers can signal the “big player” upon detecting a high count at a table. During the shoe and high count, the big player would come in to place a series of significant bets or a single large bet.

Some blackjack teams even use spotters to watch what happens behind the game tables. Spotters don’t lose anything because they don’t have any cash in action. However, they keep counting cards, and this strategy is known as back counting.

Members of the team decide how to signal their big player. However, verbal signals are the best instead of hand gestures. That’s because the casino could have a surveillance system that may pick up the verbal cues. What’s more, the casino has experts who can detect even subtle gestures, which could be bad news for the team.

Final thoughts 

Card counting is a complex skill that requires a lot of practice to master. Therefore, prepare to spend time at home formulating and practicing an effective card counting strategy. Also, take your time to learn the blackjack game for which you want to implement the plan. Once you’ve done that, practice the tips shared in this article to avoid getting caught counting cards. That’s because getting seen could mean you will never set your foot at the casino again. But if you’re unlucky and the casino catches you while counting cards, stand firm because you’ll have not done anything illegal.

Banjos top Norfolk Christmas gift list

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Norfolk banjos

Amazon has revealed that banjos are the most-purchased Christmas gift in Norfolk.

Figures released by the online retail giant show the country bumkin instrument has already been delivered to more than 6,000 Norfolk homes this December.

Second on the list of popular Norfolk presents was six-fingered gloves.

Amazon’s director of commerce in the East of England, Lorraine Fisher, 34, said: “It’s always interesting to see regional variations in our sales data.

“Clearly, banjo playing is popular in rural Norfolk, helping to keep traditions alive.”

The Amazon delivery figures confirmed these top 5 delivery items in the busy two-week period before Christmas…

  • Banjos
  • Six-fingered gloves
  • DNA testing kits
  • Hay forks
  • Oxon pedicure kits

Ms Fisher said Norfolk stood apart from other counties in the Amazon data, with absolutely no soap or washing products ordered in the run-up to Christmas.

Better management through business-minded dashboards

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In today’s world, everything, including business, runs at the speed of light. Economic crises and evolving customer expectations make companies transform and improve management practices. To stay afloat in a very competitive market, it’s essential to keep track of data and communicate in teams effectively. How to organize meetings for parties located in different cities or even countries? How to ensure that a company’s documents are well organized? How to work on reports collectively? Plunging into these tasks can be challenging and time-consuming.

Board portal software with powerful business-minded dashboards boosts all processes utilizing some visual flair to help managers work on complex tasks and interact with teams more effectively. These solutions are very configurable, so the dashboard demonstrates the most relevant aspects at that moment. How can they boost business and help with operational tasks? In the fast-paced world of business management, virtual board software presents the workflow processes in a way that encourages smart decision-making and proactivity. Good communication and document management mean business success. 

Virtual board software: what is used for? 

Virtual board software helps ensure productive digital communication between members of a board. A virtual boardroom and a board portal are created for boards and, of course, for good management. These platforms usually include:

  • messaging functions;
  • voting features;
  • a paperless meeting solution;
  • agenda features;
  • and other tools to make business communication as smooth as possible. 

The well-designed portal software can boost communication and assist the board operating efficiently. In simple words, virtual board software saves time and money if a top executive decides to organize an online board meeting. 

How to choose virtual board software for better management 

There are a lot of virtual board solutions on the market, but all of them are created equal. Some of them are better for meetings, others for task tracking. When searching for board portal software for your business, consider five essential things.

  • Security 

Security is crucial when it comes to business communication. Hackers try hard to break your system and get access to your business secrets. Therefore, if you want to stay safe, you need advanced security methodologies and encryption algorithms for all your business processes. While adopting a virtual board solution, ensure that your confidential and financial info is in good hands. Use the link to the vendor’s site like this https://board-room.org/ to learn more about its security practices. 

  • User experience 

It is essential to check how easy the board portal is to use. If you or your team is uncomfortable with the portal, it’ll be the worst investment ever. The portal should be accessible from a broad array of devices, easy-to-navigate, and accompanied with support when you need it. Virtual board software should be as easy as possible. 

  • Governance

While selecting board management software, try to answer whether the solution improves your governance and productivity. Some portals allow members to sign docs, vote on them, comment, and share notes to assist the board in collaborating whenever they have time and resources. This approach helps to free more time for strategic planning and is especially useful for companies that join board members from different geographical locations. 

  • Functionality 

What features are available, and how can they improve management? When it comes to board meetings, they can be time-consuming or sometimes even confusing. Docs are frequently changed, making it difficult for stakeholders to keep updated. Real-time notifications can easily solve this problem. If board members must make notes and share them, the solution should provide them with this opportunity. Basic functionality seems the same in many board management tools, but if you require something more sophisticated, check if a potential vendor offers the extra features.

  • Visualization 

Visualization is new black nowadays, and for a good reason. Virtual board software containing visualization tools can entirely change how a business runs. They help to present data to business owners and board members in a convenient manner. Pie charts, histograms, and corporate graphs allow all participants to understand information and make better management decisions. They also aid in processing massive sets of data and are useful for detecting trends in the industry. 

Final thoughts

Good management practices are essential for any company, but it can be difficult to govern a large business and consider all board members’ opinions. Thanks to the modern virtual board software, all these management tasks can be easily improved. Virtual calendars, online meeting rooms, tools to sign and share documents, note recording – all these features ensure great communication between the parties and boost productivity. Plus, business-minded dashboards deliver a high level of virtualization to make it easier to process and present important information. 

How can I get rid of debt?

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Being in debt may not only affect your finances, but it can also create a lot of mental turmoil, especially if you are uncertain about how you can clear your balance and still stay afloat in the coming months. Finding ways to nullify debt as quickly as possible and prevent it from occurring again, can help you to find a bit more financial freedom. This may be especially useful to those who struggle with managing their finances, or are on a lower income than they may like.

One of the important aspects of learning to be free of debt can be to put measures in place to reduce the likelihood of you needing to borrow money again. While avoiding impulsive purchases can be helpful, you might also want to think about how you can provide for your family, especially if large costs arise that are necessary to your daily life.

Car repairs, especially to expensive cars like Audis or a problem with your home, can quickly lead to a large bill. Setting up an ISA with Wealthify can allow you to save small amounts of money each month, which can then grow thanks to the interest provided. The money you save may also be free from any tax, which can enable you to keep all of the profits. An ISA may come with a maximum yearly limit, so you might want to check how much is in the account before you attempt to deposit more. Getting into a habit of saving money may come in handy should expenses arise.

When paying off existing debt, you may want to consider the method you are using. Trying to pay off a larger debt first may actually work against you, as you will still be gaining interest, alongside your other debts. Many people find the snowball method to be a bit more successful. This involves making the required minimum payment on all debts that you currently have, and then putting as much money as possible onto smaller ones. That way, you can completely erase your lower debts a lot quicker, and then focus on the others.

You may also want to look into the ways you manage any credit card debt. When a promotional period ends, you could then see fees and interest added to your existing balance. Due to this, you may want to consider transferring your balance to a new card that has 0% interest. It can be helpful to consider doing this until your balance is at 0, and then simply cancel the card entirely so that you aren’t tempted to use it again. This way, you can then live within your means and reduce the temptation of borrowing money that you don’t have.

Getting into debt can be quite a vicious circle. You may borrow money one month, but then find yourself continuing to borrow when you don’t have enough money due to paying off your previous loans. Finding ways to neutralise them completely, and then live only on the money you physically have in your bank, can help to free you from this spiral.

How to choose data room software for your effective business: experts’ guide

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Does your business require optimisation, security, and protection of sensitive documents and files? It sounds like a good task for virtual data rooms. Especially, it concerns the tasks and files linked to due diligence work. Lots of small-/medium-/large-scale businesses have already integrated this software, reduced half of the routine tasks among workers, and boosted productivity. However, there are also novices to such tools. This data room review is dedicated to sharing step-by-step instructions on how to pick the best virtual data room in 2021/2022.

The profile of online data room software

Before recommending you any measures to purchase a virtual data room, you have to clearly understand whether it may fit your business particularly. So, virtual data rooms are an advanced and secure online environment in which vast amounts of secret or sensitive files may be securely exchanged outside of a business’s boundaries. Besides, you should know that a VDR is distinct from a corporate extranet because it is primarily intended to securely communicate sensitive documents outside of the corporate firewall.

As for the additional tasks, the business may benefit from data room services when it is engaged in due diligence, particularly in mergers and acquisitions, litigation, bankruptcies, fundraising, and audits. Does it cater to your daily business tasks? If yes, let’s go to the actual step-by-step guidance on how to pick the best virtual data room vendors.

A step-by-step guide to VDR purchase

There is a myriad of VDRs in the market which makes it hard to pick the best. Looking ahead, you should bear in mind the next key criteria: security and compliance, affordability, usability, and dependability. Apart from that do the following.

#1 Prioritize the functionalities and specify your business needs

If you are a business owner, you understand what tasks and responsibilities are on your shoulders. Virtual data room providers ensure to help you allocate hardly all due diligence data with their software. From your side, you should seek solutions that will meet specific security requirements including ISO/IEC 27001:2013 or SOC 1, and include file protection features such as watermarking, restricted viewing, two-factor authentication.

Then, great functionalities may lay in controlling the access. For instance, you can complete an audit trail and access user activity.

#2 Establish your budget

As was said above, lots of VDRs exist, the same as pricing policies for each. First of all, overlook the market, and check the average cost. Secondly, understand how much you are willing to contribute to pay for data room software. On most occasions, pricing is determined by the amount of storage required, the number of team members who will use the program, the features desired by your business, as well as the level of protection required.

Some vendors have flat-rate pricing (a monthly charge). Here is one important tip – do not try to go for expensive solutions if some add-ons are not necessary for your business.

#3 Compare the vendors with a table

You should gather at least 3 data room services to use for your comparison table. Divide the table by Offered Features, Pricing Plan and Flat Rate, Security, and Compliance. Additionally, you should compare all the picked vendors by reading the existing feedback on their software. Try to refer to third-party services where only REAL people leave comments.

#4 Learn about free trial

Fortunately, you can now request a free trial to work with an electronic data room during a fixed timeframe. On most occasions, it is granted to potential customers for 14 days. Test the functionality, check how all the features are activated and what benefits they provide for your due diligence tasks. Beyond that, check how user-friendly navigations and layouts are. If you plan to use software from your mobile gadgets, ensure it is compatible with Android, iOS OS among others.

#5 Test the customer support

Either during your free trial or upon purchasing a virtual data room, you should ensure a vendor offers a professional, 24/7 customer support team. Learn what issues they can address, and how quickly you can have responses on integrations of new features, and so on. By the way, many VDRs (with higher flat rates) provide their clients with a personal project manager who will walk them through the deal to ensure they get the most out of the software.

The verdict

After all your research is done, you should come up with software that can reduce needless travel and delays caused by couriering papers or interacting with several parties. You should avoid the need for several costly printing providers. Once your transactional work is completed, you literally have a deal bible and DVD archive created from your data room. If you come across the need for additional features within your VDR, you should learn about the integration of adds-on, and their accompanying prices.

Allaho lands Willie Mullins eighth win in the John Durkan Memorial Chase

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Willie Mullins is pretty used to success in the John Durkan Memorial Chase at Punchestown. The Irish trainer has now landed the winner in four consecutive editions of the race, making eight wins for Mullins overall in his career.

After Min won the prestigious race for three years running between 2018 and 2020, Allaho picked up the mantle and produced a stunning performance, with Willie’s son Patrick the man in the saddle for the victory. It’s hard to believe that, 20 years on from his first John Durkan Chase win in 2001, Mullins is still landing winners at the highest level.

It was a cracking race that brought him this latest triumph, as Allaho overcame a mid-race setback to triumph. Having led for much of the early exchanges, Allaho was overtaken by stablemate Asterion Forlonge, before the latter inexplicably unseated his rider, allowing Allaho to regain the lead and navigate his way to victory. Neither second-place Janidil nor third-place Melon — both Mullins horses — could catch up, whilst pre-race favourite Envoi Allen was consigned to a disappointing sixth.

“I was delighted how he fought back,” Mullins said. “When Asterion Forlonge came up alongside him I thought that would take the stuffing out of him. Each challenger that came, he kept pulling it out. He raced very lazily today which is not like him and he was going a bit to his left which is not like him, so we will have to look at all that for the future.”

When you look at the horse betting sites UK and see that many of the entries are from Mullins’ stables, it’s perhaps no surprise that the Irishman reigned supreme at Punchestown once again, but it is still an impressive achievement to boast so many victories in one specific race.

Without the mercurial presence of Min this year, there were no guarantees that a Mullins horse would claim first place, especially with Envoi Allen in the field of participants. But Allaho is a horse with plenty of experience in the tank. The seven-year-old won the Ryanair Chase at the Cheltenham Festival back in March, with Rachael Blackmore in the saddle, and it’s clear that the horse has the potential to win any race he is entered in.

It’ll be interesting to see how this season pans out for Mullins. He had a good campaign in 2020-21, but in many ways, his achievements were overshadowed by those of fellow trainer Henry De Bromhead.

Indeed, Mullins won the Leading Trainer accolade at the Cheltenham Festival, but if you asked most racing fans which trainer was the standout competitor at the Prestbury Park meeting, they’d probably say De Bromhead.

Mullins’ aim this year will be to make his mark in the biggest races. Whether it’s the King George VI Chase at Kempton on Boxing Day, the Cheltenham showpiece races in March, or indeed the Grand National at Aintree in April, Mullins will have his sights set on landing victories in some of the biggest races of the year.

Allaho’s win at Punchestown is a fine result in a race where Mullins always excels, but the ambitious trainer will be gunning for bigger and better things this season.

Police reveal officer investigating Downing Street Christmas parties

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Sgt John Borrison
Sgt John Borisson says he is investigating the Downing Street Christmas parties

By Hugh Dunnett, Crime Correspondent

The Metropolitan Police has moved to reassure the public that a top officer is now reviewing whether last year’s Downing Street Christmas parties broke any laws.

Sergeant John Borisson was put in front of the media today to put minds at rest.

“This will be a fair-minded, independent review of the evidence,” Sgt Borisson said.

“My preliminary findings show absolutely no wrongdoing whatsoever.

“But believe me, I will leave no stone unturned.”

Labour MPs have made complaints that two social gatherings at Downing Street last Christmas broke strict COVID regulations.

Labour insider Lorraine Fisher, 34, was not convinced by the Met Police reaction.

“There is something about this Sgt Borisson that is not quite right,” she said. “We will be taking it up with the Police Commissioner.”

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Should you lease or buy your next car?

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In the UK, you can lease or purchase a vehicle depending on your preference. While many people prefer to buy a car, some prefer leasing and paying monthly rent or fees. Different vehicles are calculated differently, based on the year, make, model, and miles travelled. Most people also choose depending on how much money they’ve saved up.

Personal Contract Purchasing (PCP) finance and Personal Contract Hire (PCH) are excellent methods to become more mobile. Both options offer great chances to drive a brand new car without paying for the entire amount outright or with cash.

Cars come with several liabilities like taxes, insurance, and paying for parking. While it is mandatory to pay a fixed price for government taxes, insurances, and more, you do not need to stress about parking anymore. It is easy to book a convenient, safe, and secure spot at affordable hourly, weekly or monthly rates with YourParkingSpace.

Let us look at whether you should lease or buy your next car.

Before we start, there are a few similarities between PCP and leasing. These similarities are:

  • Mandatory deposit required
  • Fixed monthly payments offered
  • Limits on mileage
  • Excess mileage charges
  • Payments usually include the warranty, breakdown, road tax, and delivery

Let us look at each in detail.

Personal Contract Purchase (PCP):

A PCP is like a car loan, but owners only borrow a small amount equal to the difference between the car’s current value and expected value at the end of the contractual agreement. There is a mandatory deposit, but these amounts are flexible and pre-decided by the car dealership and the car owner. Many times, there is no deposit. However, putting down a decently-sized amount can make the monthly car payments much lesser in the long term.

PCP terms are pretty flexible too. The usual payment terms are based on a duration of two, three, or four years total. However, most people can pay it off earlier depending on the agreement terms with the dealer. At the end of the period, you can also choose to make balloon payments to fully own the car. If you decide not to own the vehicle, you can finish the payments according to the terms and simply return the car. You are not under any obligations to own the vehicle once you’re done using it and making the payments.

Many times, PCP has the servicing and maintenance included in the deal. However, there would also be an additional allowable mileage allowance. You could be charged if you cross those limits.

Personal Contract Hire (PCH):

Personal Contract Hire (PCH) or leasing is nearly always done for new cars. Many times the ticket prices on these cars can be lower than PCP and cash deals. This decrease in the rates is because leasing companies purchase cars from manufacturers at heavily discounted rates. They then pass on the savings to leasing customers to make the offer more lucrative.

While most of the conditions between PCP and PCH are the same, the main difference is that you cannot make a balloon payment to own the car at the end of the term. You must return the vehicle once the terms are fulfilled. Most people who enjoy changing cars every few years and like to drive newer models opt for PCH options so they can keep experiencing the thrill of driving newer models and varieties of vehicles.

However, the leasing company runs a thorough credit check on the borrower, and the payment terms could change based on the credit ratings. You would require a good credit score to get approved for lower monthly payments.

Like PCP, PCH also requires an upfront deposit with a series of regular monthly instalments or payments and usually has a mileage limit. Crossing the limit could attract additional charges.

Is Leasing Or Buying Better?

From an investment perspective, you have nothing to show at the end of the lease. However, PCH allows you to use brand new cars at a much lower price. If you purchased such expensive cars, the down payment and loan instalments would probably be much higher. Leasing also makes sense for cheaper, smaller utility cars to run errands, chores and drive the kids to school.

PCP options are suitable for people looking to make an investment. At the end of the term, the car ownership can get transferred with a sizable payment. However, you must also include the depreciation costs and run a cost vs value analysis.

You could opt for either PCP or PCH, depending on the reason for needing a car.