Very good advice, and as you say, an excellent mantra. On the scam, I thought you said he was waving £5 notes, but you didn't it was a £5 note.
On BF, I think the price had dropped form 4.5 to 4.1. Where you've been unlucky is the poor weather, which has seen the draw price fall some more - you should have hedged and layed Australia too, thus nullifying the draw/weather.
Re: Scams
On the scam, I thought you said he was waving £5 notes, but you didn't it was a £5 note.
On BF, I think the price had dropped form 4.5 to 4.1. Where you've been unlucky is the poor weather, which has seen the draw price fall some more - you should have hedged and layed Australia too, thus nullifying the draw/weather.