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Richford is a town in Tioga County, New York, United States. The population was 1,172 at the 2010 census. The town is named after Ezekial Rich, an early settler and benefactor of the town.
According to the United States Census Bureau, the town has a total area of 38.2 square miles (99 km), of which, 38.2 square miles (99 km) of it is land and 0.04 square miles (0.10 km) of it (0.05%) is water.
The West Branch of the Owego Creek forms the western border of the town while the East Branch runs along the eastern edge of the village itself at the base of Geer Hill. Several spring-fed ponds exist on the hilltops, especially at Clarks.
A large portion of the town is hills with many of the highest elevations (+1,400 ft) in the county. The highest elevation (1,994 ft) in Tioga County is within the town, an unnamed hill just to the north of the intersection of Creamery Rd and Robinson Hollow Rd in Robinson Hollow State Forest.
Richford lies on the southern edge of the snowbelt, averaging 82 inches (210 cm). It receives 40 inches (1,000 mm) of rain, and has, on average, 154 sunny days per year.
The western border is with Tompkins County. The north border is Cortland County, and the east border is Broome County. Berkshire lies to the south.
New York State Route 38 (north-south) intersects New York State Route 79 (east-west) at Richford village.
As of the census of 2000, there were 1,170 people, 440 households, and 315 families residing in the town. The population density was 30.7 people per square mile (11.8/km²). There were 502 housing units at an average density of 13.2 per square mile (5.1/km²). The racial makeup of the town was 98.89% White, 0.17% African American, 0.09% Native American, 0.09% Pacific Islander, and 0.77% from two or more races. Hispanic or Latino of any race were 0.77% of the population.
There were 440 households out of which 34.8% had children under the age of 18 living with them, 53.2% were married couples living together, 12.3% had a female householder with no husband present, and 28.4% were non-families. 22.3% of all households were made up of individuals and 8.6% had someone living alone who was 65 years of age or older. The average household size was 2.66 and the average family size was 3.09.
In the town, the population was spread out with 27.9% under the age of 18, 7.5% from 18 to 24, 30.9% from 25 to 44, 23.8% from 45 to 64, and 9.8% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 97.0 males. For every 100 females age 18 and over, there were 100.2 males.
The median income for a household in the town was $34,130, and the median income for a family was $38,750. Males had a median income of $28,661 versus $23,667 for females. The per capita income for the town was $15,331. About 12.4% of families and 13.8% of the population were below the poverty line, including 18.5% of those under age 18 and 7.3% of those age 65 or over.
For more information, see Richford New York wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get pre-approved for financing before going to a dealership. By separating bad credit car financing 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.
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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.
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We specialize in:
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Getting bad credit car or truck loans can present a problem, especially in Richford New York. There are companies that offer bad credit car loans for people who have filed for bankruptcy, have slow pay history or other severe credit problems. With these companies, it can be very easy to get the money you need, but it is important for you to do your research before getting a loan.
Obtaining car financing with bad credit can have a positive impact on your credit history if handled correctly. If you have a job that can be verified, and if you are not currently in the process of filing for bankruptcy, then you can more than likely get a bad credit car loan.
Fill out our quick and easy one-page application form and get pre-approved for a car before you go to the dealership. Now is not the time to be shy. Your credit may be spotty but you have the opportunity to get a car and improve your credit at the same time. Once you get a pre-approval for car loans for bad credit, you will feel confident before you walk into a dealership.
Bad credit did not happen overnight. Fixing bad credit takes time and persistence. Today you need a bad credit car loan but if you pay the payment in a timely manner, your next car loan can be on your terms.
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 Richford 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.