Five Level Racer Review Tom McCarthy

Five Level Racer is a horse racing tipster service which is operated by Tom McCarthy. Whilst it isn’t particularly clear from the name, this is in fact a lay betting service.  

Introduction to Five Level Racer

I don’t try to hide the fact that I would much rather see consistency to my results that occasional huge profits. And rather surprisingly, I don’t think this is a controversial opinion. Here’s the thing. Would I like to genuinely, potentially, make thousands of points of profit per year? Hell yes I would. But what about if that came at the expense of me having to sink tens of thousands of pounds whilst I waited for that winner? That’s much less appealing.

And it is because of all that that when something like today’s review subject, Five Level Racer, comes up, it’s hard not to pay attention. Tom McCarthy is operating a lay betting system here. When it comes to horse racing, this is a bet type that is synonymous with high strike rates and slowly but surely building your betting bank. This is a sure fire winner then, right? The sales material even makes the statement of “your bank will grow steadily, 100%”.

But if I’m completely honest, I have one or two questions about these claims. Because the fact is that whilst Tom McCarthy talks a very good talk, I’m not entirely certain that he’s in a position to walk the walk. Now this isn’t an entirely unfounded statement. So with that in mind, let’s dive straight into Five Level Racer and see just what is what here.

What Does Five Level Racer Offer?

Sometimes when I look at a new tipster service (or at least, new to me), it is difficult to know where to start really. And this definitely applies here because there are effectively two things that you get access to when you sign up to Five Level Racer. The first of these is a betting system. And this is something that I will be talking about lastly, because I believe that Tom McCarthy’s tips are what is really being sold here.

When you look at the sales material for Five Level Racer, Tom McCarthy is keen to talk about his system. He likes to talk about what it entails and what you can expect, all things that I will be touching on. But the pricing structure here is subscription based. Which very strongly suggests that what you are really paying for is those selections.

So, what exactly can you expect in terms of the selections? Well, the short answer is not a lot that you haven’t seen before. And this applies to pretty much all elements, but I want to start by talking about the bets. Because, as I’ve touched upon, Five Level Racer is a lay betting system.

There isn’t anything wrong with this of course. If anything, I have long been waiting to see a genuinely decent lay betting tipster service.Unfortunately, this is a difficult thing to find. You’d generally expect it to be an easy thing, right? Picking one horse out of 6 to lose hardly seems difficult. But the fact is that lay betting is so much more measured than this.

And it seems as though Tom McCarthy might actually get this. When you look at the sales material, he does devote at least some time to talking about things like maximum odds, money management policies, and managing emotions (things which are reflected somewhat in the system element of Five Level Racer). It really seems to be well bedded in reality.

Now, whilst I have mentioned them, let’s touch on those odds. Because what Tom McCarthy issues as selections to Five Level Racer subscribers will typically be less than 3/1 although they can reach a maximum of 7.0.

This is all very important with Five Level Racer as it means that you are controlling your liability. The genuine fact of the matter is I’ve seen so many lay betting tipster services fail because they’ve advised some very long shots (clearly thinking that a 33/1 outsider isn’t going to win), only for those horses to romp home. On a 50 point betting bank, that can take months to recover.

In terms of the logistics, Tom McCarthy isn’t exactly breaking new grounds for a tipster service. But nor is he doing anything wrong either. As is very typical for any tipster service these days, selections are sent out directly to Five Level Racer subscribers via email. And one of the great things about lay betting is that you don’t really have to spend too much time worrying about the odds.

Because you are placing bets on an exchange, you can quite easily configure a bot to place the bets for you when the right odds are found. Alternatively, you can take that risk on slightly longer odds. But so long as you aren’t trying to place bets almost immediately before the off, you shouldn’t be dealing with extremes.

Staking wise, this is, at the end of the day, a lay betting system. Level stakes are recommended although I am not so certain about Tom McCarthy’s recommendation for a betting bank. For my money, this element of Five Level Racer runs a little bit short.

And with all of that touched upon, let’s talk about the second element of Five Level Racer, that betting system. Now I’ll be honest, I don’t like to talk too much about information that is kept behind a paywall. It simply doesn’t strike me as fair that I’m here giving away Tom McCarthy’s system. But that doesn’t stop me passing some comment.

Frankly, I’m not overly impressed. I’ll come on to the content a little more very shortly. What I will say though is that as a piece of content, it isn’t great. The writing is adequate, although it is rather too bloated for my personal tastes. I’d much rather receive something concise and informative than pay the same amount to have to wade through padding so that it “seems like I got a good deal”.

How Does Five Level Racer Work?

Now we come to how Five Level Racer works, and this is a bit of a difficult thing to talk about in many respects. Of course, when you sign up for it, Tom McCarthy provides you with his system. But as I’ve already said, I don’t see it as my place to give that information away. That doesn’t mean that I can’t say anything though.

First of all, I want to talk about Tom McCarthy’s “powerful 5-layered technique”. Effectively, this shows you things that you should look out for to “filter out” different selections. I’ll give Tom McCarthy credit and say I can see how it might work. But the operative word there, if I’m honest, is might. The fact is that just because I can see how Five Level Racer is supposed to work, it doesn’t mean that I’m entirely sold on the idea that this is a long term solution.

Outside of the system itself, that other content is full of more generalised information. This is all stuff that is definitely helpful, but it isn’t necessarily critical to the service either. In fact, I’d go as far as to say that you can probably find similar variants of the advice elsewhere for free.

The real kicker for me when it comes to Five Level Racer is a lack of proofing when it comes to Tom McCarthy’s tips. As I’ve said, this really appears to be the focus of the wider service. The disappointment here stemming from the fact that really, when it comes to lay betting, you need to know the ebb and flow. A few losing bets can decimate your bank, and not knowing what to expect in terms of them potentially hitting at the same time is a bit problematic in my book.  

What is the Initial Investment?

If you are interested in signing up to Five Level Racer, then there is just one pricing structures that is available, although to credit Tom McCarthy, it is something that has a lot of flexibility. This at least means that if you are keen on pursuing this, there should be something for everybody.

It is noteworthy that there, you do have to sign up through their own proprietary payment platform. This definitely helps to keep the costs down, which isn’t a bad thing. Unfortunately, your purchases are hugely restricted if you aren’t happy with the end result.

With that said, let’s get down to the business end of things. The first subscription option for Five Level Racer is to get your first 30 days for just £7 (plus VAT). One this has elapsed; you can expect to pay £19.95 (plus VAT) per month. As well as this, there is an option for a quarterly subscription which is priced at just £29.95 every 3 months (again, plus VAT).

If you are looking for a longer subscription than this, then Tom McCarthy offers a few options for Five Level Racer on an annual subscription at a cost of £59.95 (plus VAT). Finally, there is a lifetime license which Tom McCarthy offers. This allows you to sign up, for life, for a one time cost of £99 (again, plus VAT) however this is advertised as a limited time offer.

It is noteworthy that none of these options come with any money back guarantee or refund period. As such, you should be very willing to commit to Five Level Racer. Especially if you are signing up for those longer subscription lengths. With that said, you are told that you can cancel your subscription when you want.

What is the Rate of Return?

One of the things that is very interesting to me is that Five Level Racer doesn’t actually come with any claims in terms of the income potential. Tom McCarthy provides some incredibly limited evidence which shows a profit of some £213.8 points to £20 stakes. This means around 10.75 points of profit which given that you’re looking at a shade of 2 weeks (back in December last year), this is believable.

But outside of this, all that Tom McCarthy really says is that how much you will make depends on how much you are willing to stake. This would make some sense if Five Level Racer were a pure betting system, but it isn’t. And as such, I can’t help but feel that it is ultimately a bit of a cop out answer.

Conclusion for Five Level Racer

I want to open by saying this. I don’t necessarily dislike Five Level Racer. There may well be something of some value here. But unfortunately, there are also a lot of problems that exist. And they are the kinds of things that I personally can’t just overlook. And those issues are where I’m going to start.

First things first, and I know that I’ve just touched on this, but you have no idea how much money you can realistically expect to earn. This makes it rather difficult to establish a number of things. With the most important one being whether or not there is value for money to be had here.

Because to me, that potential for value is key. Tom McCarthy isn’t necessarily asking a huge amount of money given that you can receive the system for just £7 (the cost of signing up for your first month). But that system itself also just… It isn’t great in and of itself. And to bring it back full circle a bit, it really is all about those tips.

So, what you have here is a situation where there may be a service worth following. But the unfortunate truth is that Tom McCarthy doesn’t really provide a compelling reason to do so. Basic things like proofing are missing. Or how much you can expect to earn. And just a general lack of evidence.

This creates a bit of a situation. On the one hand, simply signing up to Five Level Racer gives you all of the information that you should need in order to make an informed decision. If at that point it isn’t for you, you’re not exactly down a lot of money. But by the same token, you can sink a lot into Tom McCarthy’s selections and never really see substantive returns.

Now this creates one of those unfortunate situations where I have to wrap up my conclusion with a bit of a cop out answer. Because whether or not Five Level Racer is worth a recommendation depends entirely on you. Personally, I’m a bit prudent when it comes to investing my time and money on betting systems and services. I like to know what I’m getting into. And let’s not forget, it should be very easy for Tom McCarthy to demonstrate this.

That means that in my mind, there is probably a good reason why this information isn’t out there. And with this kind of thing, it is rarely for good reasons. Now I will concede that I could have this wrong, but I also believe that the onus should really be on Tom McCarthy to demonstrate this.

With all of that said, if you don’t mind taking a gamble, it’s going to cost you less than a tenner to give this a month. You could try Five Level Racer out on paper and see if it something that is a fit for you personally. If it’s something that you can make work for you, then great. But if it doesn’t, you’re also not really out of pocket by a substantial amount either.


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From: Simon Roberts