MDC says, get ready for this weekends Breeders Cup Classic !!
I know most of you have been baffled when you see a horse switch surfaces. There are many that thinks surfaces are interchangeable and a fast horse on one surface will transfer it to another with little or no problem. History will tell you a different story, though. Sure, there are a few horses that made the switch without any noticeable problem, but these types of horses are some of the rarest in the breed.
Years ago, trainers in America would have to break a horse’s maiden on the dirt before he could be switched to the grass. This is where the main misunderstanding comes from. Back in the 1980’s, tracks in North America rarely carded any maiden races on turf to benefit horses that is bred to excel on the grass. As the popularity of grass racing increased in North America, more track got on board with the idea of carding grass maidens. Before then, it was common a grass horse would languish on dirt for quite a few starts before finally breaking through.
Grass is a more slippery surface than dirt and harder too when dried. But it is also easier on a horse’s feet and leg because of the cushion underneath their feet. But it is also a much faster surface and speed horses tends to run faster than what their conditions allows them to. On dirt, a horse’s feet sinks in the dirt causing them to work harder to maintain that same speed and it usually tires them out quicker. The exception to this theory is dirt tracks that has very little cushion which helps horses run a faster pace but often leads to many injuries, many the public never hears about. On plastic or synthetics surfaces, this surfaces acts more like grass than it does dirt because horses feet does not bog down in plastics or synthetics like they do on dirt. And synthetics is not as slippery as grass, even when it is wet, but it is as easy on a horse’s feet and legs as grass. There are many experts who feels the surfaces do not matter, much like breeding. But after many years of speaking with ordinary handicappers, like me, I have slowly learned that surface changes can make all the difference in the world. Most handicappers I spoke with often excel in picking winners on one surface or another, but rarely both.
The next question is how can one tell which horse will most likely excel on one surface over the other. While there are quite a few answers, it all begins with breeding. Since the thoroughbred breed was developed originally in Europe, a lot of horses will tend to favor the grass more than dirt. But American dirt breed was started mostly from Europe’s grass horses and developed more for dirt by adding known dirt horses through each generation over a period of 70-80 years. Some were a natural fit(average horses on grass) but more were through many generations of development. Actually, North America did not even run horses on grass much at all until the late 1910s and early 1920’s, when their breed became saturated with turf breeding.
Eventually, American breeders took horse that could only sprint a short distance and developed the quarter horse breeding. The easiest way to spot a horse that will enjoy quarter horse racing is almost all have thick chest muscles. Horses can build speed quicker if they are more muscle bound in the chest area(often almost twice as big as their hind). Even horses that are better proportion throughout their whole body will have a hard time keeping up. However, it starts evening out around 400-450 yards.
The best way to spot horses that will prefer turf over dirt is their hooves. The bigger and wider their hooves are, the more likely they will enjoy grass over horses with small or thin hooves. The reason is horses with larger hooves tend to be more confident in their strides because they can plant their hooves with less probability of slipping and/or sliding. Also, horses that are taller will tend to like turf more than dirt simply because they carry more body weight than average and dirt tends to cause them to “bog” down more, unless they are nimble on their feet(rare at best).
For dirt, horses that are evenly built tends to fare the best. 15 to 16 hands is ideal height for most dirt runners, as most are nimble enough to build speed and will use their hind legs to keep their speed up. For distance horses, their hind quarters will often be the deciding factor as these are the feet horses pushes off with, unless they are tired. The fuller a horse’s body and the flatter his back is, the more likely he will keep running long after others have tired.
While I, in no way, consider myself an expert but have learned from many mistakes that I have made through the years. I continued to make mistakes even today but I am a much better and more confident handicapper than when I first started. I used to second guess myself after the fact years ago but now I bet exactly what I feel and second guessing has been gone for years. I also feel if you check out everything I mentioned, it will make you a better handicapper and eventually lead you to some monster payoffs. Wish the best of luck to everyone!!
What you should do if you come from a family that never has anything supportive to say, doesn’t show you love, doesn’t value you, doesn’t appreciate you and is constantly trying to put you down and sabotage your success.
Breaking up with a friend, boyfriend or girlfriend is one thing and there’s a lot of advice out there for doing it, but what about a family break-up?
It is important to note that not everyone’s family is there for them to lean on, to call on or to go home to. Not every family is built on the premise of interconnectedness, support and stability. Sometimes family simply means that you share a bloodline. That’s all. Some families build you up and some suck your energy dry.
Often times the signal and energy we put out into the world is similar to or exactly what we have experienced by others. And for most of us, this influential force has been our family. Think about it. Think about just how much the interaction, or lack there of, from our family, sets the tone for the quality of energy we give off during our lifetime.
-Your own health and mental well-being is damaged
-You feel emotionally, physically and/or spiritually injured
-The relationships with your immediate family/spouse/partner is suffering
-There is violence, physical and/or emotional abuse
-There is substance abuse
-There are constant struggles for power
-There is unnecessary distrust and disrespect
President Trump used his inaugural address at the United Nations on Monday to criticize the world body for not living up to its “potential” because of bureaucracy and urged member nations to reject “business as usual” and take “bold stands.”
“In recent years, the United Nations has not reached its full potential because of bureaucracy and mismanagement, ” Trump said at the 72-year-old organization during a meeting on reforms.
Despite a ballooning budget and a doubling of staff since 2000, Trump said, “We are not seeing the results in line with this investment” and encouraged UN Secretary-General Antonio Guterres to focus more on people than bureaucracy.
“We seek a United Nations that regains the trust of people from around the world,” the president said in his tightly scripted five-minute address. “In order to achieve this, the UN must hold every level of management accountable, protect whistle-blowers and focus on results rather than on process.”
“We encourage all member states to look at ways to take bold stands at the United Nations with an eye toward changing business as usual and not being beholden to ways of the past, which were not working,” he said, pledging the US would be a full partner in the reform efforts.
Trump, who will address the General Assembly on Tuesday, also said none of the 193 member nations should shoulder a “disproportionate share of the burden — militarily or financially.”
And he called for creating “clearly defined goals and metrics for evaluating the success” of the UN’s peacekeeping mission around the globe.
With the changes, Trump said, “I am confident that if we work together and champion truly bold reforms, the United Nations will emerge as a stronger, more effective, more just and greater force for peace and harmony in the world.”
In his address, Guterres said what keeps him up at night is the ” bureaucracy … fragmented structures, Byzantine procedures and endless red tape” of the UN.
“I even sometimes ask myself whether there was a conspiracy to make our rules exactly what they need for us not to be effective,” he said.
Later Monday, Trump was expected to meet with Israeli Prime Minister Benjamin Netanyahu and French President Emmanuel Macron.
Stanford University will provide free tuition to parents of students who earn less than $125,000 per year — and if they make less than $65,000, they won’t have to contribute to room and board costs either.
Students are still expected to pay $5,000 toward college costs from summer earnings and working part-time while enrolled in college.
The announcement is an expansion of Stanford’s old financial aid policy, which previously applied to students from families making less than $100,000 per year.
Most universities can’t afford to offer such generous financial aid to their students. But they could draw a lesson from the plan’s simplicity.
How Stanford’s financial aid works;
If a student’s parents make less than $125,000 per year, and if they have assets of less than $300,000, excluding retirement accounts, the parents won’t be expected to pay anything toward their children’s Stanford tuition. Families with incomes lower than $65,000 won’t have to contribute to room and board, either.
Students themselves will have to pay up to $5,000 each year from summer earnings, savings, and part-time work. There’s no rule that parents can’t cover their students’ required contribution.
Stanford is much more generous toward middle-class and upper-middle class students than the federal government is. Most students who get subsidized loans and federal Pell Grants come from families making less than $60,000 per year. But it also enrolls an outsize proportion of wealthy students. In 2010, the university’s director of financial aid said the median family income at Stanford was around $125,000.
On the other hand, only 14 percent of entering freshmen got federal Pell Grants in 2012, which typically go to students from families making less than $50,000 per year. Nationally, 41 percent of undergrads received Pell Grants.
Why other colleges can’t do this — but what they can learn
Stanford enrolls a high proportion of wealthy students, who pay higher tuition that helps subsidize lower-income peers. And Stanford is one of the world’s richest universities, with an endowment of $21 billion.
On the other hand, there’s something that every college could emulate about Stanford’s policy: it’s incredibly simple and straightforward.
Middle-class students know even before they apply to Stanford what they’ll have to pay to attend, whether they’ll be able to afford it, and how much they’ll have to borrow. At most colleges, the amount a family is expected to pay doesn’t show up until after students have applied, been accepted, and filled out financial aid paperwork. That’s partly because many colleges are stretching their financial aid budgets and don’t know what they’re dealing with until students have been admitted.
But legislators are trying to make federal financial aid, at least, more transparent, by allowing students to use older tax data when filing the FAFSA. That would allow students to find out how much aid they qualify for up to a year before they start college. Researchers have proposed even earlier notification for students from poor families — letting them know as early as eighth grade that they could qualify for a federal Pell grant.
Most colleges can’t match Stanford’s generous financial aid commitment. But they could at least try to duplicate its simplicity.
MDC researched and discovered, The Consumer Federation of America (CFA) released a study Tuesday that found that millions of people had not made a payment on $137 billion in federal student loans for at least nine months in 2016, a 14 percent increase in defaults from a year earlier. The consumer watchdog used the latest data from the Education Department, which manages $1.3 trillion in federal student debt owed by 42.4 million Americans. Failing to repay student loans has all sorts of terrible consequences, but in some states, more than just your financial well-being is at risk — student loan default could cost you your professional certification or even your driver’s license.
MDC highlights some career paths that could incur problems . Some states suspend licenses needed to practice in certain fields, from health care to cosmetology, though license suspension can extend to driving, too.
Repeal advocates argue that license suspension is a counterintuitive punishment for student loan defaulters, because it may keep them from working, which theoretically enables them to repay their debts.
According to a list from the National Consumer Law Center, 22 states have laws that enable suspension of state licenses issued to student loan defaulters. The professions and licenses affected by suspensions vary by state and cover a wide range of earning potential, but some of them include doctors, social workers, barbers, transportation professionals and lawyers — the lists can be quite extensive. If your state is on the list and you’re at risk of defaulting, you might want to research the details:
Student loan default trashes your credit, and the loans continue to incur interest and fees as long as they remain unpaid, so getting out of default can be very challenging. If you have federal student loans, as most people who borrow do, there are many options available to you before you’re 270 days past due on your student loan payments (that’s the definition of default): You can apply for income-based repayment or pay-as-you-earn programs, in addition to applying for an extended repayment period, which will raise the cost of your loans in the long run but make them more affordable now.
If you want to see how your student loans are affecting your credit, You can check your credit reports for free once a year from each of the three major credit reporting agencies at AnnualCreditReport.com. Because student loans are generally not dischargeable in bankruptcy and default can be catastrophic for your credit, it’s crucial to prioritize making your loan payments on time.