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New York City Hotels: Times Square vs. Financial District

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I have found 2 hotels which are very comparable in price and quality. One is around the Times Square area and the other is just off Wall Street. I am torn which to book and wondering if anyone has insight into staying in the financial district. The hotel is steps away from the subway. I have been to NY before but didn't really explore the downtown area. I don't see us spending too much time in Times Square but the more cental location is appealing. However the hotel is on a less desirable street.

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