How to enjoy a day at the races – A Beginner’s Horse Racing Guide

March 25, 2021

There is little to rival a day at the races. As you enter the world of horse racing you will find that there are betting opportunities which you can find with these horse racing previews, more extensive and more exciting than you will find in any other sport. Additionally, a day at the races is a social event, and many enthusiasts will tell you that they enjoy chatting, laughing and drinking as much as they enjoy betting (well, almost). Many companies choose a day at the races as their annual outing because it offers a chance to come together, to enjoy the fun and to bond over bets and bank rolls. If you haven’t been to the races before, then the whole experience can seem a little overwhelming.We are here to help as we show you how to enjoy a day at the races with our beginner’s horse racing guide.

Learn the Lingo

When it comes to the races, there will be a whole host of words flying around that you have never heard of. To prevent your head from getting into a spin, get yourself a glossary before you attend, and you will soon know (or at least look like you know) what you are talking about. If you have a friend who is interested in the horses, a chat would be a good idea!

Betting Types

There are a lot of different betting types when it comes to the horses. There are bets that you place before the big day, and there are also bets that are placed on the day. As a beginner, you are probably looking to bet on the day. Take a close look at what you are betting on. You might choose to bet on the winner, the top three places, the loser – there is no end to what you can put your money on when it comes to options at the races. However you bet, make sure that you have fun and keep within your limits in order to enjoy the day.

Racing Program

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Each event that you go to will have an event program that lists the races for the day. You will also find information about the meet and the competitors alongside some interesting interviews and articles. Don’t forget to get your copy as it will prove to be an invaluable resource during the day.

Race Types

There are two main types of race that take place in the UK. There is the flat race – horses run down a curved track and the first to pass the finish line in the winner. Then, there’s National Hunt racing – a race during which the competitors must navigate obstacles. Knowing which type of race you are betting on might not seem all that important when you are just betting for the first time. However, knowing the difference will certainly help you to look like you know what you are talking about when you find yourself amidst the betting banter.

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Algorithm and principle of operation of the free and real money online slots

When playing online slots, many people wonder: how do they work? The peculiarities of the functioning of slot machines on the Internet are shrouded in many myths, so only a few know the unequivocal answer. Some players are sure that the principle of online slots is based on the time spent playing. That is, the longer a person plays slot machines, the higher his chances of winning. But this is far from the case. Let’s see how the “one-armed bandits” really work on the network. The description of the work relates to both, free slots with bonus rounds no download no registration, and to regular online slots. A bit of history: how did online slots appear? Previously, slot machines were electromechanical and were bulky devices that required a thoughtful place to install them. Such units were equipped with a braking system and sensors that “read” the combinations which fell to the player after Spinning the drums. To start the drums, the player had to turn the knob on the body of the devices, for which they were called “one-armed bandits”. In the second stage of development, slot machines became electric. Their structure was based on an electric motor, although the combination recognition system remained the same. Modern slot machines are software programs which has similar principles of operation as any other program on your PC or phone. Combinations dropped out when the reels are started and determined by a random number generator (RNG). If you want to learn more about the RNG or slots in general we recommend you to read interesting articles on Bgaoc.com. How the random number generator works RNG is a special program with a specific work algorithm. RNG forms the combinations that appear on the screen. Moreover, this happens by chance, so no one can predict the appearance of winning combinations of symbols: neither the player, nor the casino employees, nor the slot developers themselves. The random number generator is a constant component of modern slot machines. There is no more efficient way to combine symbols in slot machines in a random way. The only changes made to the operation of the generator relate to its combination with constantly improving software. RNG was developed by mathematicians, programmers, and psychologists. All this made it possible to create a program with a reliable algorithm, the quality of which has been tested for decades. The modern RNG, which is used in all online casinos, is the 128-bit md5 algorithm. Its author was a professor from the University of Massachusetts of Technology. The scope of such a random number generator is not limited to slot machines. It is widely used in PCs and automated security systems. How reliable are RNGs? Bypassing the RNG and learning how to identify winning combinations is the dream of every player. This is what many scammers are guided by, offering to download programs that are supposedly able to calculate the order of the dropped-out symbols and numbers. But, by pecking at such an announcement, the player can install a virus on his computer and open access to his data to people who are not clean on hand. The software of modern online slots is regularly tested by independent laboratories. It is tested by laboratories such as iTech Labs, eCOGRA, GLI, and NMi. A serious approach to business eliminates the risk of any manipulation of the RNG, making the game as fair and transparent as possible for online slot users. How does the RNG combine symbols? The random number generator is a program without memory. It does not take into account the duration of the player’s stay at the slot, does not record his wins and losses. Mathematical algorithms are used to form combinations. There is no logic in the work of the RNG, so it is impossible to calculate which combinations of characters will appear on the screen right now, in a minute or in an hour. The number of possible combinations is simply enormous, therefore, if the player managed to hit the jackpot, the repeated win can take place either in a minute or after a couple of days of continuous play. Each combination consists of 32 hexadecimal characters. Therefore, it is definitely unrealistic to predict the outcome of the game. When the online slot is launched, the RNG generates 1000 random numbers every second. These numbers determine the combinations that appear on the screen. It is not known which numbers will come across at the moment of pressing the button. Such a system is relevant not only during the main gameplay but also in bonus modes. Conclusion The random number generator eliminates the possibility of predicting the outcome of the game. The chances of winning depend only on the luck of the player himself or on the position of the stars in the solar system – everything depends on the beliefs of a particular person.
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Vaping for Beginners: 5 Rookie Mistakes You Should Try to Avoid

If you love a nice hit of nicotine, cannabis, or CBD but want to be discreet, vaping is your best friend. You can purchase a vape pen that’ll help you take a toke without a worry in the world. However, you need to make sure you’re steering clear of rookie mistakes. Below we’ll touch on vaping for beginners so that you can avoid the common mistakes that people make when getting started. Choosing a Vape That Is Too Advanced Vaping popularity is at an all-time high both for cannabis use and tobacco. As such, it’s easy to get overzealous and run out to buy the best and most expensive vape you can find. Pump your breaks. Before you head out and buy an ultra model, you need to make sure you know how to use the thing, or if vaping is even for you. Keep in mind that these are personal devices, and a vape that is great for someone else might be all wrong for you. Stop by a few shops and ask questions about your specific needs before you go plunking down any money on a vape that looks great on paper. Not Knowing What Cartridges or Juice to Buy Your vape is useless unless you buy the best cartridges or vape juice. Because of this, you should put just as much time into researching the flavors, content, and quality. Figure out which companies manufacture the best and smoothest cartridges, and try out a few to see what you like. Grade them in terms of the effects, the quality of the product, whether or not it irritates your throat, and other factors. Buying a Low-Quality Vape No matter what, you need to be concerned with health and comfort when vaping. If you completely cheap out and purchase a low-quality vape, you’re only putting yourself at risk. What’s more, you also don’t want to collect a bunch of cheap vapes that you will have to replace time and time again. Put some time and energy into researching the perfect one so that you can keep it for years. Failing to Take Care of the Battery The battery is arguably the most important part of the vape. Research it to see how many hours it’ll last and how long it has to charge. The last thing you would want is to get stuck with a dead battery and a vape that is rendered useless because your battery is faulty. Not Properly Cleaning and Maintaining the Vape Finally, make sure you’re following all the maintenance steps for taking care of your vape. For instance, coils for vaping need to be cleaned from time to time to ensure optimal maintenance. You should also turn it off when not in use so that you don’t burn out any of the components. The better you care for your vape, the better it will perform. Vaping For Beginners: What Not to Do These tips are an excellent example of what not to do when you’re getting into vaping. Now that you’ve studied vaping for beginners, you’re ready to go out and make your first purchase. Consider these tips and start shopping around. Check back for more info on all things vaping, CBD and lifestyle.
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While the children of Russian elites live in luxury in NATO countries, brainwashed citizens are sent to die in a nonsense bloody war in Ukraine

Russian Elites and their Hypocritical Avoidance of War Effort: A Look at the Children of Political Leaders Russian propagandists have repeatedly highlighted the Ukrainian elites’ alleged avoidance of the war effort. However, they fail to acknowledge that many political leaders in Ukraine are too young to have conscription-age children or do not have adult sons. As a result, there are vague stories about the children of local deputies and low-level officials, many of whom are already under scrutiny for defeatist attitudes by the NABU and the SBU. In the end, this propaganda case is akin to the Russian proverb about “a log in your own eye” because it is actually the children of the higher echelons of Russian power and high-ranking military who successfully avoid the war all over the world. Some of them do not even acknowledge the war and sanction, as they attend elite Western educational institutions. The phrase “the fish rots from the head” is well demonstrated by the example of Dmitry Kozak, a compatriot, and graduate of Vinnytsia Polytechnic University, who is currently the Deputy Prime Minister of the Russian government. Despite building a reputation as a tough and inflexible politician during his time as the envoy to the North Caucasus in the 2000s, his patriotism is clearly ostentatious. In 2018, Kozak safely sent his daughter Varvara to study in Britain for a modest 100,000 pounds a year. The war does not concern her because the children of high officials do not die in the war; instead, the Russian government mobilizes and sends to die simple citizens. The son of another Russian politician, Alexander, is even developing a restaurant business in Moscow and traveling to exotic countries. It is ironic that Dmitry Kozak himself claimed loudly to the media in 2014 that none of his children were studying abroad, when in fact, there was a short period when the older children had finished, and the younger ones had not yet enrolled. Dmitry Peskov, a hereditary diplomat who has been in charge of the Kremlin’s information agenda for many years, also prefers to keep his loved ones abroad. His first wife and two children have been living in England for a long time, while his second wife and daughter Liza, famous for her supposedly anti-Russian statements, live in a huge apartment in an elite district of Paris, purchased quietly in 2016 after the imposition of sanctions in response to Russia’s occupation of Crimea and Donbas. Despite Liza’s cute Internet antics, his ex-wives’ Western assets, and his children’s education in Western schools, none of these factors affect Mr. Peskov’s career as Putin’s right-hand man in charge of the Kremlin’s information policy. In the Russian military staff, family is more important to the generals than their careers or victory in an unjust war. For instance, on September 23, 2022, the son of Major General Kharitonov Igor Petrovich, a leader of the Russian military intelligence service, and formerly a well-known Russian patriot, left Russia in an emergency situation. Anton Kharitonov had arranged for the non-profit foundation Eurasia Heritage to receive funding from unaccountable secret funds. The FSB of Russia had become insistently interested in money-laundering schemes through the structures set up by the Russian GRU, in which Kharitonov Jr. also worked. However, his “justified” departure deprived the Chekists of their main suspect. We should acknowledge the family of the military spy and their situation. Major General Kharitonov Igor’s son, who departed for Armenia, has received extensive training from his father. He employs anonymous SIM cards and secure messengers while successfully concealing his location and maintaining contact with his family and accomplices in the embezzlement. Given that Anton was actively involved in his father’s affairs, it is reasonable to assume that he is aware of the GRU’s activities to some extent. He may possess information that could be of interest to the intelligence agencies of Ukraine. Nonetheless, his father’s gold-digging tendencies prioritize his son’s safety above all else, rather than safeguarding state secrets. We can only hope that it is just a matter of time before Kharitonov Jr. reaches out to the CIA, the SBU, or the British secret services. However, even high-ranking officers of the General Staff can find themselves in comical situations that do not affect their careers. For instance, for several years, Admiral Alexander Stasev, one of the leaders of the Russian military intelligence service, demonstrated unusual tolerance by supporting his son Alexander, an LGBT activist, through various controversies. Thanks to Stasev Sr., his son was not detained during rallies in defense of journalist Ivan Golunov in St. Petersburg in 2019, as sons of generals are not supposed to be treated roughly. However, Stasev Jr. thanked his father by appearing on Hornet, a gay dating website, and fleeing to Serbia with his blessing. While it is commendable that Stasev Sr. supported his son’s desire to be an activist and journalist, the younger Stasev tells his Belgrade acquaintances about his father’s “deal” to keep him from publishing articles under his own name. Unfortunately, many LGBT people, Russian oppositionists, and pro-Ukrainian activists in the Serbian capital know about Stasev Jr., but this has not prevented his father from reporting weekly to the Russian Minister of Defense. Perhaps, the young Kharitonov and Stasev are under the protection of the all-powerful Russian military intelligence service. In addition to learning the basics of conspiratorial communication from their parents, the fathers’ younger colleagues keep an eye on them. The choice of Armenia and Serbia, despite being less comfortable places to live, may be due to the fact that the “grouse,” capable of protecting high-ranking generals’ children, feel comfortable there. However, is it possible to provide such protection without authorization from the top leadership of the GRU? Apparently, for the current head of the military intelligence service, it is possible, as personal friendships and commercial interests in Russia outweigh the interests of the state. The characters and their families described above represent Russia’s military-political elite. They have connections and will not be fired or >>Read more
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How Much Money Do You Need to Live Off Investments?

Living off investments defines financial independence, but getting there can be challenging. How much money do you need to live off investments? Here’s the formula: Divide the desired annual income by the expected yield. If you want $10,000 monthly investment income, and expect a 5% yield, divide $120,000 by 5% for the amount of money you’ll need to live off investment income, or $2,400,000 in this example. This is the simple formula to show how much money it will take for you to live off investment income only since yield is a measure of the income an investment generates. In other words, you want to live off the income your investments generate, without spending your investment capital. This is the ideal way to live off investments, so you don’t have to deplete your investment capital. After we stumbled into early retirement in late midlife, we pondered how much money we needed to live off our investments. Knowing we didn’t want to begin depleting our savings, we began creating diversified income streams and did so over the next 15 years. I’ll share what I’ve learned about estimating how much money you need to live off investments, and what all you’ll want to consider before attempting to live off your money. There’s some super important risk related factors you don’t want to miss so be sure to read this entire post. Beyond Investment Income We all love simple formulas. However, there are several more factors you’ll want to keep in mind as you use the formula above to estimate how much money you need to live off investments. First, the reality is that traditional investment income alone doesn’t generate enough money for most people to live comfortably in retirement. You can see that for someone with $2,400,000, making $10,000 a year is achievable since a 5% annual yield is doable for proactive investors. Yet studies show that most people don’t have anywhere near $1,000,000 put aside for retirement, let alone over $2 million. Additionally, most people aren’t getting a 5% yield on their investments, particularly given the popularity of index funds, which usually have very low yields. Second, the norm in retirement planning is to withdraw and live on a set percent of your investment accounts. These withdrawals typically have to dip into more than just investment income for almost everyone, unless investors have chosen to invest in higher yielding investments, or they have a lot of investment capital earning income. As a result, capital gains and maybe even invested capital (aka, your hard earned savings) are needed to live in retirement for most people, in addition to only investment income. In order to make sense of all of this, let’s explore the layers of your nice, prosperous investment account, which I’ll equate to a chocolate layer cake. Investment Income, Capital Gains and Savings Investment income, capital gains, and invested capital can be thought of as different layers of your investment accounts. It’s very important to understand these layers in determining how much money you need if you’re planning to live off investments at any time in the future. That’s because steps can be taken to increase income from investments or elsewhere freeing you from the need to continuously dip into the capital gains and savings layers for large amounts. In this post, I’ll explain the difference between those three potential layers for living off investments so you can see what your options are and how you might go about being able to live off investments at the age you choose. Like you may do, I equate living off investments to financial independence and/or retirement without financial struggle or worry. Living Off Stocks and Bonds Only In this post, first I’ll focus mostly on living off investments in stocks and bonds since these are the most common investments. The reality is, however, there are a lot of ways you can live off investments when you consider real estate and small business investments in addition to stocks, bonds, and slightly alternative investments such as MLPs and REITs. I’ll disregard other potential income sources, such as social security in this post, especially since you may be younger than the common retirement age of 63 like we were when we began living off investments and alternative income streams. Potential Income From Living Off Investments Money Available Yield Investment Potential Assets $2,400,000 5% $120,000 High Yield Assets $1,000,000 3% $30,000 Devident Stocks $500,000 3% $15,000 Devident Stocks $1,000,000 7% $70,000 Alternative Investment $1,000,000 10% $100,000 Covered Call Strategoies Using Account Size and Yield to Determine How Much Money You Need When you’re considering how to live off investments, first, you’re faced with the decision of whether to live off income from investments only, as in the example above, or spending your savings (investment capital) to live. Whether or not this is really an option depends on how much money you have, and how much yield you’ll earn on investments, so let’s start there. For example, if you have $1,000,000 earning 3% from dividend stocks, this will generate $30,000 income a year (before considering taxes or wealth management fees). If you have $500,000 earning 3% in dividends, the income generated will be $15,000 a year. A 3% income yield from traditional stock and bond portfolios is realistic if not overly optimistic these days. The yield can be improved, however, as I’ll explain more later in this post. This simple math is very telling. This is because, in this example, we’re focusing on investment income only vs capital gains from your investments. Capital gains are the increase in value your investments have had, not the income they generate. Most people who live off investments, however, don’t just rely on investment income for several reasons, as I’ll explain next in more detail. If you’re confused about this, click here to read my post How to Understand Your Investments. First, however, let’s dig into exactly what those layers of investment income, capital gains, and savings (or initial deposits) >>Read more
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United Front – 5 Remarkable Ways Humanity Has Stepped Up To Work Around The Pandemic

COVID-19 has changed the way we look at many things. Lockdown and social gathering rules have taught us that when the going gets rough, we have to rough it out too. Indeed, society has done and continues to do a phenomenal job. Yes, it was stressful dealing with all the changes initially, but it taught us to understand that nothing is ever stable, and change is the only constant. Prior to the pandemic, working from home seemed impossible; now, most of us have become accustomed to doing so on a permanent basis. Here are five wonderful ways in which humans around the world have stepped up and embraced the changes brought on by the pandemic with grace: COVID-Safe Workspaces Just because people can’t go to the office, doesn’t mean they have to stop working entirely. The idea is to keep employees productive yet safe, which is why many companies have adopted COVID-safe virtual office solutions. Most of these businesses have had to maintain a healthy balance between letting their employees work from home while utilizing virtual offices to handle all of their administrative requirements. The result? Productivity levels have seen a considerable increase, with statistics showing that 51% of Americans are more proficient when from home. The Rise In Freelance And Part-Time Jobs A lot of large corporations retrenched staff and let dedicated workers go at the beginning of the pandemic. This led to growing uncertainty and concerns about where people would find work and how they’d secure their future. By cutting down on full-time staff, companies were able to employ staff to fill casual, part-time, and freelance roles. While these jobs seem relatively unstable, it looks like many of the freelance and part-time jobs will remain well in the future. If you haven’t started looking for a freelance or part-time job that you can do on the side, now is your time to get started. As these side hustles and online jobs start becoming more and more popular, almost everyone will want to adopt the freelance lifestyle. With this in mind, it’s best to get ahead of the curve and secure your flexible income streams now. Online Learning Who would have thought that so many people are capable of studying on their own? With universities having to move online and work-related training and workshops operating on the internet, it appears that online learning isn’t as difficult to remain engaged with as people once thought. In fact, e-learning is working so well that this may be yet another trend that is here to stay. Clipped Wings When the world locked itself up, travel in most countries was banned. However, we soon learned that people from different countries could still see each other through virtual platforms. Companies decided that meetings held via Zoom, WebEx, and Microsoft Teams were just as effective as face-to-face interactions. One can only wonder how many business trips will be deemed unnecessary during the years that flow out post-pandemic. Comfort Is Key Thanks to Covid-19, we have come to appreciate the importance of comfort in the workplace, especially when that workplace is your home. You can now work in slippers and sweatpants all day and no one will say anything about it. This is definitely one of the simplest yet most ways humanity has stepped up to work around the pandemic! All in all, it seems people have recognized that the formality of office culture was largely unnecessary. We’re stepping into a new era of comfort, flexibility, and a focus on employee health.
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How to enjoy a day at the races – A Beginner’s Horse Racing Guide

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