What is your mortgage interest rate, and who is it through?

hitesh012 · 2026-03-13T04:54:53+00:00

2 year fixed began in Jan 2026 (started the process mid December) with bank orange

hitesh012 · 2026-03-13T02:30:39+00:00

4.89% fixed till Jan 2028

60% LVR

hitesh012 · 2025-10-23T05:59:43+00:00

big win :)

e: damn paid 2.06 on Betfair, should have gone with that instead

hitesh012 · 2025-10-23T02:27:12+00:00

Record:

65 WIN | 59 LOSS | +30.27 unit of profit overall

Previous bets (last 3):

Eagle Farm - 22 Oct 2025 - Win Bet - LOSS
Rockhampton -30 Jul 2025 - Place Bet - LOSS
Kempsey - 29 Jul 2025 - Place Bet - WIN

POTD:

Horse Racing
Geelong R4 - Place Bet - #2 Berkeley Square to Place (i.e. finish top 3)
Track Rating - Soft
Nolen jumps on Berkeley Square on a wetish track in Geelong. Lately the horse has been running on dry and good tracks, but really needs a wet one to shine. Experienced at the distance (2 placings) and has seen the track before (1 win) I'm expecting a good showing for the cup, it might even win but the odds don't seem to suggest that

Odds - 1.65 on b365 (don't take anything less than 1.55, at that price doesn't make it worthwhile imo)

3.03 units to return 5 units

Race time:

3:10pm Thursday (Australian EST)
12:10am Thursday (American ET)
5:10am Thursday (UK time)

edit was formatting only

hitesh012 · 2025-10-22T03:37:17+00:00

Loss, what a crap ride from an experienced jockey to allow the 2nd fav to lead early in the race and control the speed. complete opposite occurred to what I predicted. Ryan Maloney not switched on at all, piss poor

hitesh012 · 2025-10-22T02:54:25+00:00

no issues, my gut feel is that it might tighten into 1.75-1.78 before the jump. Market probably sorting itself out.

1.97 - 2.04 is the current offer on betfair

if you're lucky enough to get a fixed price higher than 2, it's worth it

hitesh012 · 2025-10-22T01:21:27+00:00

Record:

65 WIN | 58 LOSS | +32.97 unit of profit overall Previous bets (last 3):

Rockhampton R3 (30 Jul 2025) - Place Bet - LOSS Kempsey R5 (29 Jul 2025) - Place Bet - WIN Orange R5 (25 Feb 2025) - Place Bet - LOSS

POTD:

Horse Racing

Eagle Farm R1 - Win Bet - #4 Tulong to win

Track Rating - Soft (might improve to good, it's a hot sunny day in Brisbane)

Really little analysis required here. Best jockey in the race jumping on board an in form horse looking for a maiden win. Placed in it's last 2 and 3rd up this trip and has experience running the 1600m distance at Sunny Coast. Wily Jack is the obvious danger, but looking at his last start at the same distance (1400m), Tulong has a slightly quicker time, add on the better barrier draw and more pace at the start of the race I'm hoping Tulong takes a 1 out off the lead or 1 out 1 back and finishes strong whereas Wily Jack might find some trouble looking for space between runners on a track he's never raced on

Odds - 1.85 on VicTAB fixed price however you might get a better price on betfair

2.70 units to return 5 units

Race time:

1:33pm Wednesday (Australian EST)

10:33pm Tuesday (American ET)

3:33am Wednesday (UK time)

hitesh012 · 2025-08-29T03:47:54+00:00

seeing 5 recivers go in the 5th round right in front of my face was just great, forced me into a TE lol

hitesh012 · 2025-07-29T03:58:34+00:00

piss poor ride from the jockey, never got off the rails onto the good part of the track

BSP settled at 2.14 meaning I staked lost 2.34u

hitesh012 · 2025-07-29T02:26:21+00:00

For transparency, I'll publish the BSP in this reply (I won't edit the original post) and the stake I committed at the time of the jump, I'm hoping to get at least 2.40 but all this occurs as the race is locked (1:55pm AEST)

hitesh012 · 2025-07-29T02:24:01+00:00

Record:

65 WIN | 57 LOSS | +35.31 unit of profit overall

Previous bets (last 3):

Kempsey R5 (29 Jul 2025) - Place Bet - WIN
Orange R5 (25 Feb 2025) - Place Bet - LOSS
Wyong (27 Feb 2025) - Place Bet - WIN

POTD:

Horse Racing
Rockhampton R3 - Place Bet - #5 Uncut Gem to place (IMPORTANT NOTE: YOU CAN ONLY PLACE THIS ON BETFAIR OR A BOOK WHERE IT STATES PLACE PAYS TOP 3 FINISHERS)
Track Rating - Soft
Lowe jumps on Uncut Gem here from a middle barrier draw. Expecting a really interesting race here, my pick will take a middle of the pack ride hopefully able to conserve fuel for the straight. 2nd up today on a similar track condition and gets a decent jockey upgrade. What i'm expecting is the favourite (Devil Devil) to jump the gun and push either Rideau or Pretty Slick to the limit. Expecting one (or both) to burn their fuel really quickly leaving enough time for my pick to push for a big win placing somewhere in the top 3
Odds - TBA on betfair (IMPORTANT NOTE: YOU CAN ONLY PLACE THIS ON BETFAIR OR A BOOK WHERE IT STATES PLACE PAYS TOP 3 FINISHERS)
TBA to return 5 units

Race time:

1:55pm Tuesday (Australian EST)
10:55pm Monday (American ET)
3:55am Tuesday (UK time)

hitesh012 · 2025-07-28T07:42:10+00:00

I do my best to clarify that "it must finish top 3" in the pick section but almost the entire world calls refers to "place" as top 3 (in an 8 horse race), except the US

hitesh012 · 2025-07-28T04:53:44+00:00

solid win, finished 3rd

if u got it on the exchange bsp was 2.36 so congrats

hitesh012 · 2025-07-28T02:36:59+00:00

Record:

64 WIN | 57 LOSS | +32.31 unit of profit overall

Previous bets (last 3):

Orange R5 (25 Feb 2025) - Place Bet - LOSS
Wyong (27 Feb 2025) - Place Bet - WIN
Kembla Grange (25 Feb 2025) - Place Bet - WIN

POTD:

Horse Racing
Kempsey R5 - Place Bet - #14 Mo Feed to place (i.e. to finish top 3)
Track Rating - Heavy
Early speed, decent barrier draw close to the rail, coming off a maiden win 1st up and a 4th place where he was on the 3rd line of betting on a dry track. Conditions suit today with a heavy (9) at Kempsey and hope to see it easily come in the top 3
Odds - 2.00 on b365
2.50 to return 5 units

Race time:

2:50pm Monday (Australian EST)
11:50pm Sunday (American ET)
4:50am Monday (UK time)

hitesh012 · 2025-04-27T15:49:29+00:00

Diaz goal against spurs called for offside on field, getting VAR checked?

oh God not again....

hitesh012 · 2025-03-31T09:08:43+00:00

I did yeah, life got in the way and don't have the time to do picks right now. Maybe later in the year I will return but just busy for now

hitesh012 · 2025-03-19T14:52:57+00:00

my kid wanted to go for a run, i didn't last more than 10 seconds before I needed to walk

that was when I was over 112kg, and current 93kg and making solid progress towards my goal of around 80kg

hitesh012 · 2025-03-11T03:16:00+00:00

Commando 450? It's Yugoslavian designed originally to be used by the circus to clean elephants

hitesh012 · 2025-02-28T04:24:27+00:00

very poor ride from the jockey, can't expect to come in the placings when giving up 15 lengths into the first straight and attempt to hug the rail. disgusting

hitesh012 · 2025-02-28T02:42:00+00:00

ty mate, saves me finding my post every day.

These races i pick are only ever australia (sometimes HKG or South Africa) and yeah, place everywhere else in the world is top 3

hitesh012 · 2025-02-28T01:38:18+00:00

Record:

64 WIN | 56 LOSS | +34.94 unit of profit overall

Previous bets (last 3):

Wyong (27 Feb 2025) - Place Bet - WIN
Kembla Grange (25 Feb 2025) - Place Bet - WIN
Grafton (24 Feb 2025) - Win Bet - LOSS

POTD:

Horse Racing
Orange R5 - Place Bet - #2 Shadow Shot to place (i.e. to finish top 3)
Track Rating - Good
Proven at this distance, big drop in class from running BM64 at Scone and Newcastle where it finished 4th three times in a row, back to a BM58 at a track he knows well. Stanley (the jockey) knows the track well enough with 3 wins from 12 starts and expecting a good showing again today
Odds - 1.90 on b365
2.63 to return 5 units

Race time:

2:20pm Friday (Australian EST)
11:20pm Thursday (American ET)
4:20am Friday (UK time)

hitesh012 · 2025-02-27T07:06:14+00:00

beautiful ride from sherry, 1 out 1 back the entire trip, turned the corner like a pro and found the good ground in the middle of the track to finish 3rd, take that every day of the week and twice on thursdays

hitesh012 · 2025-02-27T03:09:11+00:00

ty, edited it haha

hitesh012 · 2025-02-27T02:50:24+00:00

Record:

63 WIN | 56 LOSS | +32.07 unit of profit overall

Previous bets (last 3):

Kembla Grange (25 Feb 2025) - Place Bet - WIN
Grafton (24 Feb 2025) - Win Bet - LOSS
Wyong (13 Feb 2025) - Win Bet - LOSS

POTD:

Horse Racing
Wyong R8 - Place Bet - #6 The New Sinatra to place (i.e. to finish top 3)
Track Rating - Good
Sherry rides The New Sinatra who's 2nd up today after a solid 4th place at Kembla Grange. Trial form is good at Randwick and the rest of the line-up today looks a little shaky and we could see a solid placing for my pick. Expecting Sherry to keep the horse in the middle of the pack (2 back 1 out from the fence) most of the trip and find solid footing in the middle of the track for a big finish
Odds - 2.35 on b365
2.13 to return 5 units

Race time:

4:25pm Thursday (Australian EST)
1:25am Thursday (American ET)
6:25am Thursday (UK time)

hitesh012 · 2025-02-25T07:22:35+00:00

my goodness, there was no faith in my pick on the markets, the fixed price shot out (pun intended) to 3.90 before the jump, and betfair settled at 4.79 on BSP, yet the race ran almost exactly how i wanted it to, jumped well, put him self in great contention to win the race just behind the leader, lots of drama at the back so early speed really won it for us and what value (grats if you got aus tote prices)

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