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Read about composition first and foremost. Then play around with your camera in aperture and shutter speed priority. Then see what results you get.
I went on a local council dslr course for 50quid. Which was superb.
I liked the D90 hence why i upgraded. Between that and a 550 for a newbie. I would probably go to the Canon as its cheaper.
The D90 has some 3d tracking focus point(only had it 3days) iirc which may be better for horses in motion. Poss something to look at. D90 with 18-55 is 615
50mm for the d40x is over £200 , get the 35mm prime,
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