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Ballston Spa is a village and the county seat of Saratoga County, New York, United States, located southwest of Saratoga Springs. The population of the village, named after Rev. Eliphalet Ball, a Congregationalist clergyman and an early settler, was 5,556 at the 2000 census. Ballston Spa lies on the border of two towns, situated partly in the Town of Ballston and partly in the Town of Milton.
Ballston Spa is located at 43°0′26″N 73°51′4″W / 43.00722°N 73.85111°W / 43.00722; -73.85111 (43.007185, -73.851168).
According to the United States Census Bureau, the village has a total area of 1.6 square miles (4.1 km), of which, 1.6 square miles (4.1 km) of it is land and 0.62% is water.
New York State Route 50 (Milton Avenue), a north-south highway, passes through the village and intersects New York State Route 67 (West High Street). County Road 63 (Malta Avenue) leaves the village to the east, connecting it to U.S. Route 9 and Interstate 87 (The Northway).
As of the census of 2000, there were 5,556 people, 2,267 households, and 1,385 families residing in the village. The population density was 3,464.8 people per square mile (1,340.7/km²). There were 2,398 housing units at an average density of 1,495.4 per square mile (578.7/km²). The racial makeup of the village was 96.33% White, 1.17% African American, 0.16% Native American, 0.52% Asian, 0.61% from other races, and 1.21% from two or more races. Hispanic or Latino of any race were 1.94% of the population.
There were 2,267 households out of which 32.4% had children under the age of 18 living with them, 45.9% were married couples living together, 10.8% had a female householder with no husband present, and 38.9% were non-families. 32.1% of all households were made up of individuals and 11.6% had someone living alone who was 65 years of age or older. The average household size was 2.32 and the average family size was 2.94.
In the village, the population was spread out with 23.9% under the age of 18, 8.1% from 18 to 24, 32.7% from 25 to 44, 18.7% from 45 to 64, and 16.6% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 88.2 males. For every 100 females age 18 and over, there were 85.2 males.
The median income for a household in the village was $37,173, and the median income for a family was $49,387. Males had a median income of $36,929 versus $27,281 for females. The per capita income for the village was $20,237. About 7.4% of families and 10.6% of the population were below the poverty line, including 16.8% of those under age 18 and 5.1% of those age 65 or over.
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Ballston Spa New York neighborhoods include: Ballston Spa – Rock City, Birchwood Loop, Brookline, Carpenters Acres, Century Farms, Charlton, Collamer Drive, Deer Run, East Ballston, Ellsworth, Factory Village, Geyser Gate, Grandeville Malta, Highpoint, Hutchins/Whippletree, Kayaderosseras Estates, Lakeview Landing, Luther Forest, Malta Ave East, Malta Ridge, Malta Route 67, Milton, Northern Pines MHC, Oak Hills, Randall Road, Rip Van, Rowland’s Hollow, Rowlands Hollow West, Southern Saratoga Lake, The Streets, Upper East High Street, W High St
For more information, see Ballston Spa New York wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loan pre-approval before going to a dealership. By separating bad credit no credit car loan options from dealer price negotiations, we empower our clients to get the best deal possible.
The first step to apply for a car loan 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 are looking for an auto loan for bad credit with no money down, don't worry. We can still help you.
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If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealer that accepts both good and bad credit. In order to get the best deal on a bad credit new car loan, 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 an auto loan pre-approval 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 looking for no down payment used cars. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to get a used car loan and buy from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private seller.
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With the state of our world's economy, making monthly payments is getting harder and harder, especially in Ballston Spa New York. United States job loss totals are higher than they have been in over thirty years.
Americans are finding it tougher than ever to find steady employment. As a result, bankruptcy, foreclosure and repossessions are skyrocketing.
With many of us paying outrageous interest rates and high monthly payments, people are always looking for ways to lower their monthly bills. Vehicle Refinance is one of the quickest ways to do that.
The first step is to know the interest rate and the balance of your current vehicle loan. This can be obtained by calling, checking online, or faxing a request to your auto loan lender. Once you know what you owe, then you can determine how beneficial a car refinance might be. If you have had your auto loan for at least a year, a car loan refinance can almost always lower your monthly payment.
Click here to use our auto refinance calculator. You can enter your balance, term, and the interest rate to calculate what the payment will be. You can compare different scenarios to see if how much more you can save by adding a down payment.
There are not many people in this world who do not get excited by the prospect of buying a new car. This excitement can sometimes be deflated by the whole finance thing. If your credit history is not so good, or basically non-existent, then you may need to find a bad credit car loan in Ballston Spa New York.
The fact is buying a car for most people is one of the biggest purchases they will ever make. Owning a car is kind of like a right of passage for a lot of people, and definitely a sign of "coming of age" for most teenagers. Let face it, we all need a reliable car to get around, and most of us would rather drive a nice new or late car than an old bomb. But nice new or late model cars are obviously a lot more expensive than old cars, and that means that most of us will require some sort of finance.
The problem is that if you have a poor credit history, or have not had time to establish a good credit record, then it's going to feel like the whole financial system has it in for you. Unfortunately, banks and most financial or lending businesses do not look favorably on people with no or bad credit histories.
When buying a car, some things to keep in mind may include. If you are planning to buy a used car, get a friendly mechanic to give it a once-over. Keep in mind additional costs such as insurance, registration etc. And most importantly, to enjoy the pride and freedom that owning your own car creates.