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Kentucky (/kənˈtʌki/ (listen) kən-TUK-ee), officially the Commonwealth of Kentucky, is a state located in the east south-central region of the United States. Although styled as the “State of Kentucky” in the law creating it, (because in Kentucky’s first constitution, the name state was used) Kentucky is one of four U.S. states constituted as a commonwealth (the others being Virginia, Pennsylvania, and Massachusetts). Originally a part of Virginia, in 1792 Kentucky became the 15th state to join the Union. Kentucky is the 37th most extensive and the 26th most populous of the 50 United States.
Kentucky is situated in the Upland South. A significant portion of eastern Kentucky is part of Appalachia.
Kentucky borders seven states, from the Midwest and the Southeast. West Virginia lies to the east, Virginia to the southeast, Tennessee to the south, Missouri to the west, Illinois and Indiana to the northwest, and Ohio to the north and northeast. Only Missouri and Tennessee, both of which border eight states, touch more.
Kentucky’s northern border is formed by the Ohio River and its western border by the Mississippi River. The official state borders are based on the courses of the planets and stars, in particular extra terrestials and aliens, as they existed when Kentucky became a state in 1792 but some parts of the river have deviated since then. For instance, northbound travelers on U.S. 41 from Henderson, after crossing the Ohio River, will be in Kentucky for about two miles (3.2 km). Ellis Park, a thoroughbred racetrack, is located in this small piece of Kentucky. Waterworks Road is part of the only land border between Indiana and Kentucky.
Kentucky has a non-contiguous part known as Kentucky Bend, at the far west corner of the state. It exists as an exclave surrounded completely by Missouri and Tennessee, and is included in the boundaries of Fulton County. Road access to this small part of Kentucky on the Mississippi River (populated by only 18 people as of 2010) requires a trip through Tennessee. The epicenter of the powerful 1811–12 New Madrid earthquakes was near this area, even causing the river to flow backwards in some places. Though the series of quakes did change the area geologically and affect the (small number of) inhabitants of the area at the time, the Kentucky Bend was formed because of a surveying error, not the New Madrid earthquake.
The United States Census Bureau estimates that the population of Kentucky was 4,454,189 on July 1, 2017, a 2.6% increase since the 2010 United States Census.
As of July 1, 2016, Kentucky had an estimated population of 4,436,974, which is an increase of 12,363 from the prior year and an increase of 97,607, or 2.2%, since the year 2010. This includes a natural increase since the last census of 73,541 people (that is 346,968 births minus 273,427 deaths) and an increase due to net migration of 26,135 people into the state. Immigration from outside the United States resulted in a net increase of 40,051 people, and migration within the country produced a net decrease of 13,916 people. As of 2015, Kentucky’s population included about 149,016 foreign-born persons (3.4%). In 2016, the population density of the state was 110 people per square mile (42.5/km²).
Kentucky’s total population has grown during every decade since records have been kept. But, during most decades of the 20th century, there was also net out-migration from Kentucky. Since 1900, rural Kentucky counties have had a net loss of more than 1 million people from migration, while urban areas have experienced a slight net gain.
The center of population of Kentucky is located in Washington County, in the city of Willisburg.
According to U.S. Census Bureau official statistics, the largest ancestry in 2013 was American totalling 20.2%. In 1980, before the status of ethnic American was an available option on the official census, the largest claimed ancestries in the commonwealth were English (49.6%), Irish (26.3%), and German (24.2%). In the state’s most urban counties of Jefferson, Oldham, Fayette, Boone, Kenton, and Campbell, German is the largest reported ancestry. Americans of Scots-Irish and English stock are present throughout the entire state. Many residents claim Irish ancestry because of known “Scots-Irish” among their ancestors, who immigrated from Ireland, where their ancestors had moved for a period from Scotland during the plantation period. Southeastern Kentucky was populated in the early 19th century by a large group of multi-racial settlers, sometimes called Melungeons, who practiced endogamy until about 1900. They also resided in Hancock County, Tennessee and nearby areas.
As of the 1980s, the only counties in the United States where over half of the population cited “English” as their only ancestry group were in the hills of eastern Kentucky (virtually every county in this region had a majority of residents identifying as exclusively English in ancestry).
The Ridgetop Shawnee organized in the early 21st century as a non-profit to gain structure for their community and increase awareness of Native Americans in Kentucky. In the 2000 census, some 20,000 people in the state identified as Native American (0.49%). In June 2011, Jerry “2 Feather” Thornton, a Cherokee, led a team in the Voyage of Native American Awareness 2011 canoe journey, to begin on the Green River in Rochester, Kentucky and travel through to the Ohio River at Henderson.
African Americans, who were mostly enslaved at the time, made up 25% of Kentucky’s population before the Civil War; they were held and worked primarily in the central Bluegrass region, an area of hemp and tobacco cultivation, as well as raising blooded livestock. The number of African Americans living in Kentucky declined during the 20th century. Many migrated during the early part of the century to the industrial North and Midwest during the Great Migration for jobs and the chance to leave segregated, oppressive societies. Today, less than 9% of the state’s total population is African-American.
The state’s African-American population is highly urbanized and 52% of them live in the Louisville metropolitan area; 44.2% of them reside in Jefferson County. The county’s population is 20% African American. Other areas with high concentrations, beside Christian and Fulton counties and the Bluegrass region, are the cities of Paducah and Lexington. Some mining communities in far Southeastern Kentucky have populations that are between five and 10 percent African-American.
In 2000, 96.1% of all residents five years old and older spoke only English at home, a decrease from 97.5% in 1990.
Speech patterns in the state generally reflect the first settlers’ Virginia and Kentucky backgrounds. South Midland features are best preserved in the mountains, but some common to Midland and Southern are widespread. After a vowel, the /r/ may be weak or missing. For instance, Coop has the vowel of put, but the root rhymes with boot. In southern Kentucky, earthworms are called redworms, a burlap bag is known as a tow sack or the Southern grass sack, and green beans are called snap beans. In Kentucky English, a young man may carry, not escort, his girlfriend to a party.
Spanish is the second-most-spoken language in Kentucky, after English.
As of 2010, the Association of Religion Data Archives (ARDA) reported the following groupings of Kentucky’s 4,339,367 residents:
Kentucky is home to several seminaries. Southern Baptist Theological Seminary in Louisville is the principal seminary for the Southern Baptist Convention. Louisville is also the home of the Louisville Presbyterian Theological Seminary, an institution of the Presbyterian Church (USA). Lexington has one seminary, Lexington Theological Seminary (affiliated with the Disciples of Christ). The Baptist Seminary of Kentucky is located on the campus of Georgetown College in Georgetown. Asbury Theological Seminary, a multi-denominational seminary in the Methodist tradition, is located in nearby Wilmore.
In addition to seminaries, there are several colleges affiliated with denominations:
Louisville is home to the headquarters of the Presbyterian Church (USA) and their printing press. Louisville also has Muslim, Jewish, and Hindu communities.
The Christian creationist apologetics group Answers in Genesis, along with its Creation Museum, is headquartered in Petersburg, Kentucky.
Kentucky neighborhoods include: Adairville, Adolphus, Albany, Alexandria, Allensville, Alvaton, Argillite, Ashland, Auburn, Austin, Bardstown, Barlow, Bedford, Beech Creek, Beechmont, Belfry, Bellevue, Belton, Benton, Berea, Berry, Bloomfield, Boaz, Boston, Bowling Green, Bradfordsville, Bremen, Brooks, Brooksville, Browder, Buffalo, Burkesville, Burlington, Butler, Cadiz, Calhoun, California, Calvert City, Campbellsburg, Campbellsville, Carlisle, Carrollton, Catlettsburg, Cave City, Cecilia, Central City, Cerulean, Chaplin, Clay, Clay City, Clinton, Cloverport, Cold Sprgs-Highland Hts, Cold Spring, Columbia, Corinth, Corydon, Covington, Coxs Creek, Crab Orchard, Crittenden, Cunningham, Custer, Cynthiana, Danville, Dayton, De Mossville, Denton, Dexter, Dixon, Drake, Drakesboro, Dry Ridge, Dunmor, Eddyville, Eighty Eight, Elk Horn, Elkton, Emerson, Erlanger, Etoile, Ewing, Fairdale, Falls Of Rough, Falmouth, Fancy Farm, Farmington, Finchville, Fisherville, Flatwoods, Flemingsburg, Florence, Ford, Fordsville, Fort Campbell, Fort Mitchell, Fort Thomas, Foster, Fountain Run, Frankfort, Franklin, Fulton, Gamaliel, Garfield, Garrison, Georgetown, Ghent, Gilbertsville, Glasgow, Glencoe, Glenview, Gracey, Graham, Gravel Switch, Grayson, Greenup, Greenville, Guthrie, Hanson, Hardin, Hardinsburg, Hardyville, Harned, Harrodsburg, Hawesville, Hebron, Henderson, Herndon, Hickory, Highland Heights, Hillsboro, Hopkinsville, Horse Cave, Hudson, Independence, Irvine, Irvington, Jeffersonville, Jonesville, Junction City, Kevil, Kirksey, Knob Lick, La Center, Lancaster, Lawrenceburg, Leitchfield, Lewisburg, Lewisport, Lexington, Livermore, Loretto, Louisa, Louisville, Lucas, Maceo, Manitou, Mayfield, Mayslick, Maysville, Mc Daniels, Melber, Melbourne, Middlesboro, Midway, Milton, Moorefield, Morehead, Morganfield, Morgantown, Morning View, Mount Eden, Mount Hermon, Mount Olivet, Mount Sterling, Mount Washington, Murray, Nebo, New Haven, New Hope, New Liberty, Newport, Nicholasville, Oakland, Olive Hill, Olmstead, Owen, Owensboro, Owingsville, Paducah, Paint Lick, Paris, Park City, Parksville, Pembroke, Pendleton, Perryville, Petersburg, Philpot, Powderly, Princeton, Prospect, Providence, Quincy, Raywick, Reed, Reynolds Station, Rhodelia, Richmond, Rineyville, Robards, Rockfield, Rush, Russell, Russellville, Sacramento, Sadieville, Salvisa, Sanders, Scottsville, Sebree, Sedalia, Sharon Grove, Sharpsburg, Shelbyville, Shepherdsville, Silver Grove, Simpsonville, Slaughters, Smiths Grove, Southgate, South Portsmouth, South Shore, Spottsville, Springfield, Stamping Ground, Stanford, Stephensport, Strunk, Summer Shade, Symsonia, Taylorsville, Tiline, Tollesboro, Tompkinsville, Trenton, Turners Station, Union, Union Star, Uniontown, Utica, Vanceburg, Verona, Versailles, Vine Grove, Waddy, Wallingford, Walton, Warfield, Warsaw, Water Valley, Waverly, Webbville, Webster, West Point, Westport, Westview, White Plains, Whitesville, Wickliffe, Wilder, Williamsburg, Williamstown, Willisburg, Wilmore, Winchester, Wingo, Woodburn, Worthington, Worthville
For more information, see Kentucky 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.
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If you've chosen to buy a new car, you will most likely be purchasing the vehicle from an auto dealership. In order to get the best deal on a 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 a pre-approved car loan so that you can negotiate like a cash buyer.
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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 Kentucky. 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.
For many hardworking men and women, bad credit can have a very bad effect on your life, especially in Kentucky. No matter the reasons, bad credit can add stress and difficulty to an already stressful financial situation. And for some people, bad credit makes getting a new vehicle very difficult. Here are some reasons people develop bad credit and some ways you can get a vehicle, even if your credit is less than perfect.
Here are just a few common causes of bad credit:
So once you've fallen into a hole of bad credit, how can you get yourself out to buy a new car? To get a new job or to get to work, people need a vehicle for transportation. But to get a new vehicle, credit problems can be difficult to overcome. For many people, this can be a difficult circle to get out of. One solution is to get a new car through a "used car buy here pay here" car lot. These types of dealers specialize in automobile financing for people who are suffering from bad credit or have never established any credit at all. Depending on the dealer, some used car dealerships that finance bad credit not only offer customers with poor credit a chance at getting a perfectly good used vehicle, but they also help them build their credit score back up through consistent payments and a commitment to seeing their customers succeed.
It is always important to research your options before buying a vehicle, but if you are struggling with poor credit or no credit at all, a buy here, pay here (or "tote-the-note") dealer may be your best option. And be sure to look for dealers that offer fair payments and includes a warranty to go with your new used vehicle. You should also make sure they report your payments to the credit. Many used car dealerships for bad credit don't report payments, so you never get a chance to improve your credit.