Most tipsters tell you which horse will win. Golden Lays tells you which ones won't. This is horse racing tipping built for exchange punters.

Most selections are lays. Laying means betting that a horse will lose. You do it on Betfair or another betting exchange, where you take the bookmaker's side of the bet. If the horse loses, you win the stake.

Laying is a different game from backing, and it suits punters who like plenty of their bets to come in. You'll need an exchange account to follow it. Now and then there's also an each-way bet, where you get paid if a horse wins or finishes in the places.

Each selection comes with the race and the horse, so you can place the bet quickly and get on with your day.

Since June, every tip has been recorded and settled in the open, win or lose. More than 300 tips so far, all there to see.

If you already use an exchange, or you've always wanted to try laying, this is a straightforward place to start. From £10 a week, or £74.18 for three months. Cancel any time.

Most tipsters give you one horse and hope. Royal Tips gives you the whole card, and covers every way it can land.

Every racing day, Royal Tips picks three to five horses and puts them together in a full-cover bet, usually a Lucky 15 or a Lucky 31. Every single, double, treble and accumulator between them is covered. One winner still pays. Two or three start to stack up.

And when the whole card comes in, every bet lands at once. That is what happened on Wednesday 14 October: Leading Role, Knights Charge, Seeyainthesuninn, Gingerbred and Rambuso Creek all won. 93 points staked, 3,902.71 points back. That is +3,809.71 points profit from one bet.

It is built for the big days, not every day. Quiet days lose, and every one of them is on the record right next to the winners. Since 8 October every bet has been settled line by line at the advised odds and stakes: +3,405 points.

Stakes are in points per line, so you always know what a bet costs. Be on when the crown comes in.

Twenty-two years as a bookmaker. Now he only bets when the price is wrong. This is Vic Vyle — The Value Book, horse racing tips from the other side of the counter.

Vic stood on a box for twenty-two years, with three shops and a pitch at half the northern tracks. He never lost a penny to a horse. He lost it to the handful of punters who only bet when a price was wrong. So that's all he does now.

Add up the prices in a race and the book comes to about 118 per cent. That extra eighteen is the bookmaker's wages. Vic compares the exchange price, a fair guide to a horse's real chance, with what the bookmaker will pay. When the bookmaker is paying over the odds, there's a bet.

Up to four selections a day, win or each way, with the price and where to get it. Most days the book is right, and on those days he says so in one line.

Since late September, every bet has been settled in the open. Across 100 tips, Vic is 57.43 points in profit at level stakes.

He is not here to be liked. From £39.99 for six months, under £7 a month. Cancel any time.

Four horses, eleven bets, one slip. This is The Daily Yankee, a horse racing club for punters who like the chance of a bigger return from a small stake.

A Yankee is one bet made up of four horses. It covers every combination of them: six doubles, four trebles and one four-horse accumulator, where all the winnings roll on to the next horse. That's eleven bets in one. You need at least two winners to get a return, and the more that win, the bigger it gets.

Each day, when the conditions are right, you get one carefully chosen Yankee. The four horses come from hours of study: the race conditions, course form, form patterns and jockey bookings.

On days when the racing doesn't stack up, there's no Yankee, rather than one thrown together to fill a gap.

Since June, every selection has been settled and recorded, win or lose. More than 350 tips so far, all kept in the open for you to see.

For punters who enjoy the thrill of a multiple bet and want someone else to do the homework. £143 for six months, which works out at under £24 a month, or £60 every 28 days. Cancel any time.

Four horses. Fifteen separate ways for the afternoon to unfold. This is UK Racing Gold, a members briefing built from Britain's daily racecards.

UK Racing Gold looks for the strongest doubles, trebles and four-folds, where your winnings from one horse roll on to the next. When all four horses are worth it, it sends a Gold Lucky 15: four singles, six doubles, four trebles and one four-fold on one slip.

Anybody can find four horses. Knowing when to leave the fourth box empty is the hard part. Form, conditions, pace and price all have to earn their place before a horse makes the briefing. When the fourth isn't worth including, you get the strongest double or treble instead, never a padded slip.

One winner starts the story. Three winners make the final leg impossible to ignore.

No sprawling website and no fifty tabs of research. No cut-down silver membership hiding the best picks behind a premium tier. Just one complete briefing, fast to read and easy to follow, in your inbox before the racing begins.

£20 every 28 days. Cancel any time.

Ice hockey is back. This is NHL Hits, a private betting club for the National Hockey League, the biggest ice hockey league on the planet.

NHL Hits is run by a lifelong ice hockey fan who enjoys a sensible bet on most sports, and found that the NHL suited him best. The club is all about steady, long-term betting rather than wild punts.

You don't need to be a hockey fan to follow it. Plenty of members have no interest in the sport at all. When you join, you get a welcome email that helps you set up a betting bank, the money you put aside just for betting, and a simple staking plan for how much to put on each bet.

After that, all you do is place the bets sent to you each day. No research, no late nights watching games, and no need to know the rules.

The NHL season runs from October to June, so the club is back for the new season now. Join now for the full season.

A simple way to follow ice hockey through the winter. £27 every 28 days, or £128 for six months, which works out at under £22 a month. Cancel any time.

Rankings don't know who is tired. Deuce does. This is Deuce Delaney — Break Point, tennis tips from fifteen years on the road.

Deuce spent fifteen years coaching on the Challenger tour, living out of a racket bag from Monday qualifying in one country to Sunday's final in another. He knows who is worn out, who hates the clay, and who has already packed for the next town.

Early-round prices are built mostly on rankings. But rankings don't know a player has come through three long matches in four days, or has never won on this surface. That is where Deuce finds his bets.

Match-winner bets only, two picks at most, and plenty of days with none. He won't back heavy favourites that pay next to nothing. Every pick comes with his reasons, so you know exactly why you are on.

Since late September, every tip has been settled and recorded, win or lose. Of 42 tips so far, 27 have won, and he is 4.37 points in profit at level stakes.

Fewer bets, better reasons, from someone who has watched it all from the side of the court. £9.99 for your first 28 days, then £35 every 28 days. Cancel any time.

Forget the Premier League. The value is further down. This is Kenny Crossbar's Terrace Tips, football tips from the lower leagues.

Kenny played two seasons at centre-half in the old Fourth Division. Then he spent thirty years scouting grounds you'd need a map to find. He knows which grounds away sides hate, which manager has lost the dressing room, and which club is saving its best eleven for the cup.

The bookmakers price the top flight to the penny. Kenny works where they're guessing: League Two, the National League and the Scottish Championship. That's where real knowledge still counts.

Match results only, with the reasoning set out plainly. You always know why he likes a side. And he won't give you a bet just to fill an email.

Since late September, every tip has been settled and recorded, win or lose. Of 29 tips so far, more than half have won, and he is 5.63 points in profit at level stakes.

Proper football knowledge from the terraces, not the TV studio. £9.99 for your first 28 days, then £35 every 28 days. Cancel any time.

The best football information is in the local paper, in the local language. This is Lena Vogt — Continental Club, European football tips from someone who reads it.

Lena spent twelve years as an analyst at a Bundesliga club, then scouted players across Europe, from Porto to Poznań. Four languages and a lot of regional trains taught her one lesson. The most useful news comes out on the morning of the match, and it rarely reaches England.

A price set in London on a Belgian league game knows the table and little else. Lena reads what the English market misses: the rested regulars, the unhappy captain, the coach saving his side for Europe.

Match result only, three selections at most. Every pick comes with her reasons, and she always tells you what could go wrong. You bet with your eyes open.

Since late September, every tip has been settled and recorded, win or lose. Of 59 tips so far, 31 have won, and she is 6.51 points in profit at level stakes.

Sharp continental football tips without the language barrier. £9.99 for your first 28 days, then £35 every 28 days. Cancel any time.

Each-way value, almost every day, across British and Irish racing. This is True Line Racing.

True Line covers racing from Wolverhampton and Kempton to York, Goodwood, Galway and the Curragh. Nearly every selection is each way at a price, most often between 5/1 and 20/1. An each-way bet is two bets in one, so you get paid if your horse wins or finishes in the places.

It tips almost every day, usually several horses, so it suits punters who like a steady flow of bets. Much of the return comes from places at big prices, so expect runs without a winner. Every selection comes with the course, the time and the price to take.

Since June, every tip has been settled and recorded, win or lose. Across 832 tips, True Line is 125.38 points in profit at level stakes, with 85.27 points of that in the last 90 days, and it has been in profit every month.

This week only, six months of True Line costs £79. That's around £13 a month, and the price stays locked for as long as you stay subscribed. The offer ends on Monday 26 October.

Or join from £15 a week. Cancel any time.

Big prices, each-way bets and a horse racing service that turns up almost every day. This is Eachway Precision.

Eachway Precision covers British and Irish racing. Nearly every selection is each way at a big price, most often between 5/1 and 20/1. An each-way bet is two bets in one, so you get paid if your horse wins or finishes in the places.

Most of the returns come from horses that place rather than win, with the occasional big winner on top. It suits punters who like a steady flow of bets and who understand that big prices bring quiet spells. Expect some long losing runs between the good days.

Every selection comes with the course, the time and the price to take. No guesswork about what to back or where.

Since June, every tip has been settled and recorded, win or lose. Across 607 tips, the service is 143.70 points in profit at level stakes, with 123.09 points of that coming in the last 90 days.

Clear, simple each-way tips with the numbers out in the open. From £17 a week, or £227.60 for six months, which works out at under £38 a month. Cancel any time.

Big fields, generous terms and horses the market has missed. This is Blaze Maguire's Each-Way Raid, horse racing tips from a former jockey.

Blaze rode point-to-points in County Cork for twelve seasons, until a fall at Dromahane ended her riding days. Riding taught her how a big-field race is really won: who is travelling, who has been saved for the day, and how the draw and the pace shape the finish.

Now she goes where the bookmakers are most generous. An each-way bet is two bets in one, so you get paid if your horse wins or finishes in the places. Blaze looks for those bets in big handicaps with eight runners or more, at prices from 6/1 to 20/1, on horses dropped in the weights or back on a winning mark.

You get up to three horses a morning, each with the price to take and the reason why. When she can't split them, she says so.

Since late September, every tip has been settled and recorded. After 51 tips, she is 25.72 points in profit at level stakes.

Sharp each-way thinking from someone who has ridden the races. £9.99 for your first 28 days, then £35 every 28 days. Cancel any time.

Forty years watching races go wrong at the first bend. This is Trap Six Tommy — The Dog Track, greyhound tips from a former racing manager.

Tommy was racing manager at three London tracks. He graded the dogs, drew the traps, and watched the first bend night after night. He knows who breaks sharp out of the traps, who dives for the rail, and who runs wide and takes two others with him.

You get two cards a day, afternoon and evening, with up to two dogs a session. Win bets only, each with the price and a three-line reason. Quick to read, easy to follow.

He won't touch crowded races with quick dogs drawn side by side, or dogs he has no times for. If nothing is right, you get nothing, and he tells you why.

Tommy's tips have been recorded since late September. Every one is settled in the open, win or lose, so you can always see exactly how he is getting on.

Greyhound tips from someone who has stood at the bend for a lifetime. £9.99 for your first 28 days, then £35 every 28 days. Cancel any time.

Forty years at the oche and thirty behind a snooker hall bar. This is Barry Bullseye — The Oche & The Baize, straight-talking tips on darts and snooker.

Barry learned his trade in Black Country pub leagues and Sunday doubles, then spent three decades running a twelve-table snooker hall in Walsall. Along the way he learned one thing above all. The player with the best average doesn't always win. The one who finishes does.

So he sticks to the two games he knows. Match winners only, up to three a day, each with his reasons written out in plain English. You always know why he likes a player, and why he doesn't fancy the other one.

He won't back a heavy favourite that pays next to nothing. He won't dress a coin flip up as a certainty. And if the card is thin, he'll tell you straight.

Barry's tips have been recorded since late September. Every one is settled in the open, win or lose, so you can see exactly how he is getting on.

Honest darts and snooker tips from a man who has seen it all. £9.99 for your first 28 days, then £35 every 28 days. Cancel any time.

Everyone argues about the favourites. Lou looks at the big prices. This is Lucky Lou's Longshot Club, one horse racing longshot a day.

For twenty years Lou ran a café opposite Walthamstow dogs. She poured tea for bookies' runners, horsebox drivers and old boys with form books in their pockets. She learned that nobody looks properly at the outsiders, and that's where she has always looked.

So Lou plays one horse a day, always at 8/1 or bigger. She's straight with you from the start. Longshots lose more often than they win. That's what a big price means. You need patience, small stakes, and a cool head through the quiet spells.

What you won't get is five outsiders sent out so one can be shouted about. One horse, or none, with the reason every time.

Lou's tips have been recorded since late September. Every one is settled in the open, win or lose, so you can always see exactly how she is doing.

For punters who enjoy the thrill of a big price and want an honest guide. £9.99 for your first 28 days, then £35 every 28 days. Cancel any time.

While Britain sleeps, America plays. This is Midnight Marlowe — Stateside After Dark, tips on the big US sports from a former Las Vegas bookmaker.

Marlowe spent twenty years in Las Vegas. He started behind a sportsbook counter on the Strip and ended up in the back room where the prices are made and moved. That's where he learned that most games are decided by who is actually playing.

He covers American football, basketball, baseball and ice hockey: the NFL, NBA, MLB and NHL. These are the games that start when this country goes to bed. He waits for the team news, the starting pitchers and the goalies before he picks a side.

Then he backs the team to win, and nothing fancier. One note a night with his reasons. If he can't read the games, he tells you to get some sleep.

Marlowe's tips have been recorded since late September. Every one is settled in the open, win or lose, so you always know where you stand.

Late-night American sport, explained plainly by someone who used to set the prices. £9.99 for your first 28 days, then £35 every 28 days. Cancel any time.

Hurdles, chases and the going underfoot. This is Major Frost — The Winter Jumps, jump racing tips from a man who has walked every course.

The Major spent twenty seasons riding to hounds across three counties. Then he spent twenty more walking every jumps course in Britain and Ireland. He knows where the ground holds, which uphill finishes find horses out, and which fences catch the careless.

He sticks to National Hunt racing only. That means hurdles, chases and bumpers, which are flat races for young jumpers. The going, how soft or firm the ground is, sits at the heart of every decision he makes.

Every selection goes out before the first race, with the price he wants and the reason attached. When the day's jumps racing isn't worth the name, you get two lines saying so, and your money stays in your pocket.

His tips have been recorded since late September. Every one is settled in the open, win or lose, with nothing hidden.

Old-fashioned know-how for the jumps season, written plainly. £9.99 for your first 28 days, then £35 every 28 days. Cancel any time.

Rugby in the winter, cricket in the summer, and a sharp eye for both. This is Captain Ruck — Oval & Willow, match-winner tips from an old schoolmaster.

The Captain led a county rugby side through the winter and a village cricket eleven through the summer. Then he ran a school's First Fifteen and First Eleven for thirty years. He knows rugby is won up front, and that cricket is often decided by the pitch, the sky and the toss.

He sticks to rugby union and cricket match winners, and nothing else. No complicated bets, no long lists. Just a short note each morning with the teams he likes and why.

He is choosy. If he can't read a game, he won't back it, and he'll tell you so. Some days that means a quiet inbox, and that is the point.

Every bet is kept in the open like a school register. His tips have been recorded since late September, and each one is settled and shown, win or lose.

Plain, careful tips from a man who has spent his life on the touchline and the boundary. £9.99 for your first 28 days, then £35 every 28 days. Cancel any time.