Saratoga Springs in upstate New York may be best known to many as home to a world famous race track for thoroughbred horses, the second oldest in the United States that began its long life in 1863.
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I've watched many people get in trouble with upside down car loans, second mortgages or high interest rate financing. Credit keeps many people from living within their means. Then a friend told me he was buying a large house.
When I go to the track, I don't look at the racing form, jockeys, past history or pick horses with funny names. I usually win enough money to pay for lunch.
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