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Here is your FREE tip for today - 19th July 2004.

Yesterdays Results
"Westmoreland Road" came 2nd, "Swan Nebula" (Lay of The Day) 5th !

Todays ramblings
Don't forget to visit the forum always plenty of tips and ideas there:

I think that is the last of the "Almost Silly Bet" after a 5th place on Friday!

I have found it difficult to find a lay bet for today, maybe it's to early for the market!

I have been reading a really good book on investments called the "The Motley Fool" guide, you can pick it up at Amazon or any good book shop, they also have a website

Anyway I was reading this part about compound interest (which any one who is interested about making money should know about) and they had this calculation where by you can workout roughly how long it will take your money to double at different interest rates.

The calculation is 72/x% = years to double (this figure includes reinvesting the interest earned)

So if you have an account that pays you 5% interest the calculation is 72/5 = 14.4 Years

Or 8%

72/8 = 9 Years

The calculation gets a bit dodgy if you put a figure of 15% or higher in, but it evidently is still pretty accurate.

Now if you know anything about current interest rates or investment growth you will understand that the best rate you are going to get in a Building Society is around 3-4%.

I know there are probably better deals around, but for the purpose of this email I think that 3-4% is a good enough guide.


72/4 = 18

So if you lock your money away for 18 years which includes leaving the interest locked away as well you will double your money over 18 years.

Now I know that the really astute investors are really happy if they can make as much as 10%, which means they can double their money every 7.2 years usually by investing in stocks and shares which is the riskier side to investing!

Anyway let me get to the point!

I would say that 10/15% growth on your investment is a pretty good target so if we transformed this to horse racing then you would be looking to doubling your bank between 4.8 and 7.2 years!

Puts it into perspective a bit doesn't it?

Most people who send me an email, want to double their bank at least once a month!.

But really what most people are after is making a living or at least enough profit for a holiday.

So say you are an investor and you want to make 1000 a year, at a growth rate of 4% you will need about 25000 worth of savings, I wonder how many people reading this email has a bank that big.

I think the point I am trying to make, is that although horse racing is riskier and so deserves a higher rate of return, you should still look at the situation more sensibly.

Understand that as with any investment it take time to build up a nest egg and we could easily be talking years!

Have a good day's racing.

o The "Almost certain nap" (one day I will release the system!)
The "Almost certain nap" came up with:
20.05 Beverley, Where With All, Betting Forecast 5/2

o Sponser of the day (please take a look you never no!)
For over 100 years bookmakers have profited by laying horses. Now, thanks to the internet, you can to!"
And I'll Show you how it's done.
Discover the simple techniques that can generate you extra cash on an almost daily basis.

o Other Bets
"Lay of the Day"

14.15 Ayr, Highest Return, Betfair 3.75

Please Note: In order to give all readers a lay of the day, the tip I post here may not always adhere exactly to the actual system on sale.

You can purchase the system formula:

Advantages of owning the system:

1) Pick more than one race a day
2) Bet on Saturdays and Sundays (no emails from me on these days)
3) Make a selection later in the day (normally more choices)
4) Password protected forum so you can talk to other owners.
If you own your own website you can makes some money by promoting the "Lay Betting System"
o Todays sponser tip
Turners Winning Ways

Race: 7.50 Wind
Tip1: Kschessinka Stake: 35
Tip2: Presto Shinko Stake: 15

Betting Exchanges

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Best of Luck


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