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Albany (/ˈɔːlbəni/ (listen) ALL-bə-nee) is the capital of the U.S. state of New York and the seat of Albany County. Albany is located on the west bank of the Hudson River approximately 10 miles (16 km) south of its confluence with the Mohawk River and approximately 150 miles (240 km) north of New York City.
Albany is about 150 miles (240 km) north of New York City on the Hudson River. It has a total area of 21.8 square miles (56 km), of which 21.4 square miles (55 km) is land and 0.4 square miles (1.0 km) (1.8%) is water. The city is bordered on the north by the town of Colonie (along with the village of Menands), on the west by the town of Guilderland, and on the south by the town of Bethlehem. The Hudson River represents the city’s eastern border. Patroon Creek, along the northern border, and the Normans Kill, along the southern border, are the two major streams in the city. The former Foxes Creek, Beaver Kill, and Rutten Kill still exist, but were diverted underground in the 19th century. There are four lakes within city limits: Buckingham Lake; Rensselaer Lake at the mouth of the Patroon Creek; Tivoli Lake, which was formed as a reservoir and once connected to the Patroon Creek; and Washington Park Lake, which was formed by damming the Beaver Kill.
The highest natural point in Albany is a USGS benchmark near the Loudonville Reservoir off Birch Hill Road, at 378 feet (115 m) above sea level. The lowest point is sea level at the Hudson River (the average water elevation is 2 feet (0.61 m)), which is still technically an estuary at Albany and is affected by the Atlantic tide. The interior of Albany consists of rolling hills which were once part of the Albany Pine Bush, an area of pitch pine and scrub oak, and has arid, sandy soil that is a remnant of the ancient Lake Albany. Due to development, the Pine Bush has shrunk from an original 25,000 to 6,000 acres (10,100 to 2,400 ha) today. A preserve was set up by the State Legislature in 1988 and is on the city’s western edge, spilling into Guilderland and Colonie; it is the only sizable inland pine barrens sand dune ecosystem in the United States, and is home to many endangered species, including the Karner Blue butterfly.
Historically, Albany’s population has been mixed. First dominated by the Dutch and Germans, it was overtaken by the English in the early 19th century. Irish immigrants soon outnumbered most other ethnicities by the mid-19th century, and were followed by Italians and Poles. In the mid-to-late 20th century, the African-American population increased with thousands of people from the rural South, as part of the Great Migration. As historian (and Albany Assemblyman) John McEneny puts it,
Dutch and Yankee, German and Irish, Polish and Italian, black and Chinese—over the centuries Albany’s heritage has reflected a succession of immigrant nationalities. Its streets have echoed with a dozen languages, its neighborhoods adapting to the distinctive life-style and changing economic fortunes of each new group.
Until after the Revolution, Albany’s population consisted mostly of ethnic Dutch descendants. Settlers migrating from New England tipped the balance toward British ethnicity in the early 19th century. Jobs on the turnpikes, canals, and railroads attracted floods of Irish immigrants in the early 19th century, especially in the 1840s during the Irish potato famine, solidifying the city’s Irish base. Albany elected its first Irish Catholic mayor (Michael Nolan) two years before Boston did. Polish and Italian immigrants began arriving in Albany in the wave of immigration in the latter part of the 19th century. Their numbers were smaller than in many other eastern cities mainly because most had found manufacturing jobs at General Electric in Schenectady. The Jewish community had been established early, with Sephardic Jewish members as part of the Beverwijck community. Its population rose during the late 19th century, when many Ashkenazi Jews immigrated from eastern Europe. In that period, there was also an influx of Chinese and east Asian immigrants, who settled in the downtown section of the city. Many of their descendants have since moved to suburban areas. Immigration all but halted after the Immigration Act of 1924.
Albany was also a destination of internal migration, as many African Americans moved north in their Great Migration from the rural South before and after World War I to fill industrial positions and find new opportunities. In the early years, they lived together with Italians, Jews and other immigrants in the South End, where housing was older and less expensive. The black community has grown as a proportion of the population since then: African Americans made up 3 percent of the city’s population in 1950, 6 percent in 1960, 12 percent in 1970, and 30 percent in 2010. The change in proportion is related mostly to middle-class white families moving to the suburbs, and black families remaining within city limits during the same time period.
Since 2007 the number of Burmese refugees has increased, who are mostly of the Karen ethnicity; an estimated 5,000 reside in Albany as of January 2015.
As of the 2010 census, there were 97,856 people residing in the city. The population of the census area in 2009 was estimated to be 1,170,483. The population density in 2010 was 4,572.7 per square mile (1,779.2/km²). There were 46,362 housing units at an average density of 2,166.4 per square mile (842.9/km²); 5,205 of these units (11.2%) were vacant. The racial makeup of the city residents was 52.3% white; 27% black or African American; 0.06% Native American or Native Alaskan; 7.4% Asian; 0.1% Native Hawaiian or Pacific Islander; .06% from other races; and 3.6% from two or more races. A total of 9.2% of the population were Hispanic or Latino of any race. Non-Hispanic Whites were 52.0% of the population in 2010, compared to 87.0% in 1970.
As of the 2000 census, the top five ancestry groups in the city were African (27%), Irish (18.1%), Italian (12.4%), German (10.4%), and English (5.2%); (33.1%) of the population reported “other ancestries”. Albany is home to a Triqui language-speaking community of Mexican-Americans.
The population had 20.0% under the age of 18, 19.3% from 18 to 24, 29.2% from 25 to 44, 18.1% from 45 to 64, and 13.4% who were 65 years of age or older. The median age was 31.4 years. For every 100 females, there were 90.6 males. For every 100 females age 18 and over, there were 86.5 males. Some 81.3% of the population had completed high school or earned an equivalency diploma.
There were 40,709 households in 2000, out of which 22.0% had children under the age of 18 living with them, 25.3% were married couples living together, 16.1% had a female householder with no husband present, and 54.8% were non-families. 41.9% of all households were made up of individuals and 11.5% had someone living alone who was 65 years of age or older. The average household size was 2.11 and the average family size was 2.95.
The median income for a household in the city in 2000 was $75,261, and the median income for a family was $78,110 (male, year-round worker) and $70,856 (female, year-round worker). The per capita income for the city was $57,574. About 16.0% of families and 21.7% of the population were below the poverty line, including 28.8% of those under age 18 and 12.5% of those age 65 or over. The rate of reported violent crimes for 2008 (1,095 incidents per 100,000 residents) is more than double the rate for similarly sized US cities. Reported property crimes (4,669 incidents per 100,000 residents) are somewhat lower.
Demographically speaking, the population of Albany and the Capital District mirrors the characteristics of the United States consumer population as a whole better than any other major municipality in the country. According to a 2004 study conducted by the Acxiom Corporation, Albany and its environs are the top-ranked standard test market for new business and retail products. Albany, Rochester, and Syracuse all scored within the top five.
12201-12, 12214, 12220, 12222-32
Albany New York neighborhoods include: Albany Shaker, Arbor Hill, Beverwyck, Bishop’s Gate, Buckingham Lake – Crestwood, Center Square, Central Ave, Central Colonie, Downtown, Dunes, East Hills, Green Meadows, Harriman, Heavenly space, Helderberg, Hudson/Park, jaewook jung, Linton Ave, Loudon, Mansion Area, Melrose, Metro Park, Mid Delaware, Mount Hope, New Albany, New Scotland, Normanskill, North Allen St, North Bethlehem, Ontario Street, Park South, Pine Hills, Point of Woods, Princess and Marian, Quail/Ontario, Roessleville, Russell Rd, Saddle Wood, Sander Creek, Second Avenue, Shaker Park, Sheridan Hollow, South End, Ten Broeck Triangle, Tucking Forest, Wall St, Washington Park, West Albany, Western Ave, West Hill, Whitehall
For more information, see Albany New York wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loans bad credit pre-approval before going to a dealership. By separating the best bad credit auto loans from dealer price negotiations, we empower our clients to get the best deal possible.
The first step in obtaining auto financing is to figure out how much you can afford to spend.
If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your cars market value is Kelley Blue Book.
Next, you'll want to consider how much money you have to use for a down payment. The more money you put down, the lower your monthly payment will be. If you need an auto loan with no down payment, don't worry. We can still help you.
Finally, use our auto finance calculator to estimate your monthly payment.
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealership. In order to get the best deal on new car financing, you should research the base price, the cost of optional features and the average dealer fees in your area. To get the best deal possible, work with AllCreditCarLoans to get a pre-approved car loan so that you can negotiate like a cash buyer.
If you are looking to get the most value for your dollar, you will likely be better off financing a used car. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to buy directly from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan to buy from a private seller.
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No matter what your credit situation is, AllCreditCarLoans will help you to find a online car credit that is suited to your needs and budget.
We specialize in:
We've provided auto loans for first-time buyers, auto loans for students with no credit and we are proud to have arranged military auto loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to buy a car with their ITIN number.
We also specialize in sub-prime auto loans including after bankruptcy auto loans and helping borrowers to obtain car loans with repossessions.
If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.
AllCreditCarLoans works with the best buy here pay here used car lots, used car dealership for bad credit, 2nd chance auto dealers and other used car lenders to provide the best auto loan rates.
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The plain truth is that obtaining auto loans or any other kind of personal loan, for that matter, is not as simple as it used to be, especially in Albany New York. Large commercial banks don't want anything to do with personal loans, especially financing new cars. In most cases, people who buy a new car from a dealer wind up financing their loan through the dealership. The dealer will most likely tack additional charges onto the bottom line.
If your credit score is less than perfect you understand that you are facing many restrictions on the type of financing you can realistically get. Lending is a high risk venture. Now more than ever. The lender evaluates your repayment history. Nobody wants to lend money to someone known for defaulting on loans. Those who do, charge more interest and apply more restrictions. More interest equals to more of the money being paid back before you default. How your credit score affects your work ethic is another story. But, it is true. Some employers will not hire you if your credit is bad.
Similarly, you have the "title loan." You put up your car as collateral and agree to pay back the loan in a very short time. Usually about a week. This is basically legalized loan sharking. If you borrow $200, you pay back in the neighborhood of $300 to $400 hundred. This may help you buy a second vehicle, but think about it - is a second vehicle really that important? Why not take the bus for a while, save up and buy your second or first vehicle without all the extra charges?
Always carefully read all of the fine print in any kind of financial deal. If a no credit car loan will benefit your financial situation without putting you out on the ledge, then go for it.
If you're in the market for a vehicle and have bad credit, you've probably been asked by a car dealer or two in Albany New York about whether or not you have money to put down. This is common and, depending upon your credit score, you may or may not have to have a down payment. All car dealers have different requirements for money down and it can depend on a number of factors. Here, we'll take a look at how different types of car dealerships and lenders view down payments, as well as, how they can affect your loan approval.
Most new car dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower priced new cars with attractive financing incentives to make buying easier for people with lower credit scores.
Services available online in some cases may be able to match you with a lender willing to help you get approved for a car loan with little to no money down. It's a matter of finding the right combination of vehicle and dealer to work with your individual circumstances.
Having bad credit often leads to the need for a down payment when buying a car. New car dealerships may offer incentives or rebates to offset the need and used car dealers may be able to make the numbers work in your favor. Buy here pay here car lots generally always require down payments. Negative equity in the vehicle you're trading can prevent you from being able to buy without any money down.