Horse Racing: The Secret Difference Between A Gambler And An Investor In Racing – Part 1

The majority of players win, lose, win, lose, win, lose repeatedly as if they were in a turn-style. In most cases losing more times than they win and losing more money than they make money. This is common of course. Horse racing is sports game where it’s hard to make an extra dollar. But it can be done by design and not only by luck. Gamblers use the word ‘bet’ while an investor uses the word ‘invest’ or ‘investment’. While win, place, show, exacta, quinella, trifecta, superfecta and high 5 are ‘bets’ in one frame (gambling) and ‘investment instruments in another frame (business investing).

When you’re an investor in racing your language is filled with words such as: profit, loss, ROI, return on investment, time value of money, money management, bookkeeping, accounting, nest egg, business, asset, liability, long-term, etc. These are the words the author of this article learned to use. In such cases the player finds out everything about the structure of the investment before putting money down so that no money is loss inadvertently. In other words: you – must – have an edge in the game. Investment concepts such as: reducing risk, diversifying and others come in very handy, useful and are firmly established concepts. This is the secret difference between a gambler and an investor in racing. These things sound general but are powerful.

One of the things that makes it possible to make money in racing is: (1) Looking at and seeing the big picture of what makes the – whole – game as it is. (2) One thing that determines your profit return is how to allocate your money wisely. (3) To make solid investments in racing you must do your homework before you invest. You – must – learn racing from a statistical perspective. You worked hard for your money and every investment have a cost to it.

Also: (4) You need a general time frame of when you intend to reach your goals. Horse racing is a business you know and make no mistake about it. (5) Learning to save money is a must. Saving to invest and saving the profit you make from the investment. (6) Learn PROFITCAPPING and learn to know how much money is in each investment instrument (win, place, show, quinella, pick 6, etc.) to be made. (7) Get to know your own handicapping, profitcapping and investing skills and levels. (8) Don’t try to neat the races but learn how it works. (9) Practice good investing strategies because it’s about the quality of what you read and listen to.

Also: (10) Don’t stress yourself over racing because your health is 1,000′s of times more important than money. (11) Never get headed or over-confident or racing will make you humble and money broke. This and other things to keep you steady and firm in the game is a requirement. This is partially the secret difference between a gambler and an investor in racing.

Foreign Property Investment in Singapore

The whole of Singapore offers the investor a perfect investing environment. It is multicultural with three main ethnic groups of diverse and unique cultural backgrounds. It is the cleanest and securest of any city in the world and it pulsates with an abundance of tourist spots and business opportunities. It is both a paradise and a haven for investors.

Sectors for investing and buying

Whether an investor is a veteran or a newbie, there is no escaping the fact that in Singapore, investment in real estate is and will continue to take place within the following 10 areas:

City & South West

Though located to the south and west, the area is the hub for business and tech industries.

Many overseas investors find it highly convenient to invest in condos for residences to be in close proximity to everything that is happening.

It is a perfect pivotal spot in all directions that includes the islands to the south and southeast.

Inevitably, investment focuses mainly on the construction of residential structures.


The district is the home for hotel accommodation, condos, real estate investment, consultancy services and foreign missions.

It is a favorite area for expatriate families who find the area perfectly suited for permanent residence with many local advantages.

Newton/Bukit Timah

The district is another home for real-estate condo development along with residential and commercial structures.

Shopping centers are added incentives for expats to invest in homes.

Advertised areas include Maplewoods, The Sterling, and Duchess Crest.


The district caters for the needs of business, industrial and manufacturing companies with emphasis on high-rated office and commercial offices to facilitate business.

The Novelty Bizcenter and Oxley Bizhub 2 are district highlights.

East Coast

This district is stacked with shopping centers, supermarkets and banks; an ideal combination for the holidaying or resident families.

Most enticing for foreign investors are the property sales which feature in nearly every advertisement listings and web portals.

Changi/Pasir Ris

The most consistent and impressive sight that meets the eye in this district are the condominiums.

Any interested foreign investor would be wise in negotiating a deal to invest funds in either the purchase or construction of one of these structures.

New launches include the Qbay Residences and Mapex real estate condominiums.


The district is a goldmine in condominium and property sales and a foreign investor would do well to investigate real estate sales on offer.

New launches include a proposed 8-story Mapex industrial complex, The Mid Town residential and commercial building with 82 units, and a 267-unit residential and commercial building.


The district is located close to world-class entertainment and high-tech development undertakings.

Property and condo sales are once again the main real-estate investment attractions, which an investor would do well to investigate.

New investment attractions located in prestigious surroundings include the Midtown, Hong Leong Gardens and Mon Jervois.


The North district is currently under the development arm of government and is currently regarded by realty developers as not a good site for investing in real estate development.


With land slowly being depleted on the main island, Singapore is looking to develop its offshore islands in the near future.

Currently, the island of Sentosa has succumbed to development as a holiday haven and a retiring spot for overseas well-to-do families and individuals.

Sentosa is currently the only place in Singapore where a foreign buyer can invest in land.

Commercial Debt Investors Have New and Better Alternative to C.D.’s

It’s difficult to be an “old-time” banker. No interest in what it used to be like. In the those days we knew the customer personally. When we built this country, we sized up the heart, courage, and sense of the business (borrower) and made the decision. I won’t tell you it was all bucolic, or that all loans were paid promptly with a smile. That’s fantasy. The difference is we made a decision, and stood by it. As times pass, we are now have regulations which hamstring the lender. Not the world as I envisioned it. Formulation is now the key component, a virtual “assembly line” of investment offerings and programs… nearly all the same! Pound the square peg into the round hole, because ” that’s what every other lender does!” This creates a challenging field for both investor and the borrower. Borrowers who can’t get capital, investors who are hemmed into “cubby holes” of investment options, and trying to avoid the whims of stock and option trading, or poor results in the C.D. or bond market. Sitting glued to the financial channels to find out what catastrophe has turned the stock market on its ear. I believe investors would like the “rest of the story” straight up, not something sparse in the “spin doctored” preaching announcements of Wall Street Firms and vast conglomerated, global banks.

The “new idea”. By focusing on the Job Bill of 2012, 506 C provision, allows for public offering of private debt, in a Private Placement Memorandum. There are net worth requirements, but the exception is a game changer. Previously costly, or unavailable, a platform for interaction between investors and commercial borrowers is here. The S.E.C. does not comment on the offerings. However they are recorded and acknowledged to the public, in an “Edgar” filing. As well documentation to every state of issuance. All value must be compared thoroughly. Because it’s an infant program, lending itself to entrepreneurs, with ideas, but not investment quality loans, can create the possibility of abuse or loss. There can be tremendous expense is a start-up operations, colloquially considered “blue sky” investments. Characterized as a plan without assets or repayment. Included items can be previous expenses, points, prepaid interest, capitalized interest, commission fees to invest, coupled with “if” come or “will” come earning projections, with no immediate current cash flow. This all reduces your core capital investment, making it questionable.

The “better version of the “new idea”. With the exception and public advertising, using our bank and savings and loan experience, We have refined a platform publish the investment, originate private lending, with safeguards the investor and the borrower. We call this compatibility. A Synergy. The borrower needs capital, has an ongoing profitable business, the investor needs the interest return. The deal must work for both the investor and the commercial borrower, for it to be successful.

Expectations for the investor, should be an “open door” relationship with the origination/service provider, understand the business and the investment, what the capital was used for, risks and gain, and how they impact your investment. A virtual private banker if you will. No load, requiring ALL capital proceeds are funded directly into the debt value. There should be no upfront fees, no commissions, or anything that resembles them! These can be imaginative! Expect a report and monthly payment or balance statement. Require your originator/service provider to maintain personal supervision. Vigilant and ongoing underwriting throughout the term of investment. Third party verification. Require collateral, commercial real estate, is generally a component, and is a sound basis to create a collateral edge. Coupled with low loan to value, 50%-70% LTV, safety is secured with an asset which gains equity over time and cannot “walk off”. Crucial in this matrix is predictable cash flow. Determined at the outset, over a period of years. These investments are completely self-sufficient income wise. With caveats and prohibitions in place in loan covenants, including external debt authorization, bankruptcy remote entity, and estoppel agreement to preserve your equity value. Yield should range in the neighborhood of 1.5%-2.5% +, over the value of a C.D. over the same period of time. Finally, be sure you are on the same income line as all other parties. These investments are first lien holder positions. Over-seeding ordinary stockholders, preferred stockholders, bankruptcy court proceedings, judgements, and subordinated debt. Your originator/service provider gets paid as you do, with successful repayment of the debt. Your service provider, should be pro-active, constantly reviewing and refining practices and safeguards.