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Montana (/mɒnˈtænə/ (listen)) is a landlocked state in the Northwestern United States. Montana has several nicknames, although none are official, including “Big Sky Country” and “The Treasure State”, and slogans that include “Land of the Shining Mountains” and more recently “The Last Best Place”.
Montana is one of the nine Mountain States, located in the north of the region known as the Western United States. It borders North Dakota and South Dakota to the east. Wyoming is to the south, Idaho is to the west and southwest, and three Canadian provinces, British Columbia, Alberta, and Saskatchewan, are to the north.
With an area of 147,040 square miles (380,800 km), Montana is slightly larger than Japan. It is the fourth largest state in the United States after Alaska, Texas, and California; it is the largest landlocked U.S. state.
The United States Census Bureau estimates that the population of Montana was 1,032,949 on July 1, 2015, a 4.40% increase since the 2010 United States Census. The 2010 Census put Montana’s population at 989,415 which is an increase of 43,534 people, or 4.40 percent, since 2010. During the first decade of the new century, growth was mainly concentrated in Montana’s seven largest counties, with the highest percentage growth in Gallatin County, which saw a 32 percent increase in its population from 2000–2010. The city seeing the largest percentage growth was Kalispell with 40.1 percent, and the city with the largest increase in actual residents was Billings with an increase in population of 14,323 from 2000–2010.
On January 3, 2012, the Census and Economic Information Center (CEIC) at the Montana Department of Commerce estimated Montana had hit the one million population mark sometime between November and December 2011. The United States Census Bureau estimates that the population of Montana was 1,005,141 on July 1, 2012, a 1.6 percent increase since the 2010 United States Census.
According to the 2010 Census, 89.4 percent of the population was White (87.8 percent Non-Hispanic White), 6.3 percent American Indian and Alaska Native, 2.9 percent Hispanics and Latinos of any race, 0.6 percent Asian, 0.4 percent Black or African American, 0.1 percent Native Hawaiian and Other Pacific Islander, 0.6 percent from Some Other Race, and 2.5 percent from two or more races. The largest European ancestry groups in Montana as of 2010 are: German (27.0 percent), Irish (14.8 percent), English (12.6 percent), Norwegian (10.9 percent), French (4.7 percent) and Italian (3.4 percent).
Montana has a larger Native American population numerically and percentage-wise than most U.S. states. Although the state ranked 45th in population (according to the 2010 U.S. Census), it ranked 19th in native people population. Native people constituted 6.5 percent of the state’s population, the sixth highest percentage of all 50 states. Montana has three counties in which Native Americans are a majority: Big Horn, Glacier, and Roosevelt. Other counties with large Native American populations include Blaine, Cascade, Hill, Missoula, and Yellowstone counties. The state’s Native American population grew by 27.9 percent between 1980 and 1990 (at a time when Montana’s entire population rose just 1.6 percent), and by 18.5 percent between 2000 and 2010. As of 2009, almost two-thirds of Native Americans in the state live in urban areas. Of Montana’s 20 largest cities, Polson (15.7 percent), Havre (13.0 percent), Great Falls (5.0 percent), Billings (4.4 percent), and Anaconda (3.1 percent) had the greatest percentage of Native American residents in 2010. Billings (4,619), Great Falls (2,942), Missoula (1,838), Havre (1,210), and Polson (706) have the most Native Americans living there. The state’s seven reservations include more than twelve distinct Native American ethnolinguistic groups.
While the largest European-American population in Montana overall is German, pockets of significant Scandinavian ancestry are prevalent in some of the farming-dominated northern and eastern prairie regions, parallel to nearby regions of North Dakota and Minnesota. Farmers of Irish, Scots, and English roots also settled in Montana. The historically mining-oriented communities of western Montana such as Butte have a wider range of European-American ethnicity; Finns, Eastern Europeans and especially Irish settlers left an indelible mark on the area, as well as people originally from British mining regions such as Cornwall, Devon and Wales. The nearby city of Helena, also founded as a mining camp, had a similar mix in addition to a small Chinatown. Many of Montana’s historic logging communities originally attracted people of Scottish, Scandinavian, Slavic, English and Scots-Irish descent.
The Hutterites, an Anabaptist sect originally from Switzerland, settled here, and today Montana is second only to South Dakota in U.S. Hutterite population with several colonies spread across the state. Beginning in the mid-1990s, the state also saw an influx of Amish, who relocated to Montana from the increasingly urbanized areas of Ohio and Pennsylvania.
Montana’s Hispanic population is concentrated around the Billings area in south-central Montana, where many of Montana’s Mexican-Americans have been in the state for generations. Great Falls has the highest percentage of African-Americans in its population, although Billings has more African American residents than Great Falls.
The Chinese in Montana, while a low percentage today, have historically been an important presence. About 2000–3000 Chinese miners were in the mining areas of Montana by 1870, and 2500 in 1890. However, public opinion grew increasingly negative toward them in the 1890s and nearly half of the state’s Asian population left the state by 1900. Today, there is a significant Hmong population centered in the vicinity of Missoula. Montanans who claim Filipino ancestry amount to almost 3,000, making them currently the largest Asian American group in the state.
English is the official language in the state of Montana, as it is in many U.S. states. According to the 2000 U.S. Census, 94.8 percent of the population aged 5 and older speak English at home. Spanish is the language most commonly spoken at home other than English. There were about 13,040 Spanish-language speakers in the state (1.4 percent of the population) in 2011. There were also 15,438 (1.7 percent of the state population) speakers of Indo-European languages other than English or Spanish, 10,154 (1.1 percent) speakers of a Native American language, and 4,052 (0.4 percent) speakers of an Asian or Pacific Islander language. Other languages spoken in Montana (as of 2013) include Assiniboine (about 150 speakers in the Montana and Canada), Blackfoot (about 100 speakers), Cheyenne (about 1,700 speakers), Plains Cree (about 100 speakers), Crow (about 3,000 speakers), Dakota (about 18,800 speakers in Minnesota, Montana, Nebraska, North Dakota, and South Dakota), German Hutterite (about 5,600 speakers), Gros Ventre (about 10 speakers), Kalispel-Pend d’Oreille (about 64 speakers), Kutenai (about 6 speakers), and Lakota (about 6,000 speakers in Minnesota, Montana, Nebraska, North Dakota, South Dakota). The United States Department of Education estimated in 2009 that 5,274 students in Montana spoke a language at home other than English. These included a Native American language (64 percent), German (4 percent), Spanish (3 percent), Russian (1 percent), and Chinese (less than 0.5 percent).
According to the Pew Forum, the religious affiliations of the people of Montana are as follows: Protestant 47%, Catholic 23%, LDS (Mormon) 5%, Jehovah’s Witness 2%, Buddhist 1%, Jewish 0.5%, Muslim 0.5%, Hindu 0.5% and Non-Religious at 20%.
The largest denominations in Montana as of 2010 were the Catholic Church with 127,612 adherents, The Church of Jesus Christ of Latter-day Saints with 46,484 adherents, Evangelical Lutheran Church in America with 38,665 adherents, and non-denominational Evangelical Protestant with 27,370 adherents.
Approximately 66,000 people of Native American heritage live in Montana. Stemming from multiple treaties and federal legislation, including the Indian Appropriations Act (1851), the Dawes Act (1887), and the Indian Reorganization Act (1934), seven Indian reservations, encompassing eleven federally recognized tribal nations, were created in Montana. A twelfth nation, the Little Shell Chippewa is a “landless” people headquartered in Great Falls; it is recognized by the state of Montana but not by the U.S. government. The Blackfeet nation is headquartered on the Blackfeet Indian Reservation (1851) in Browning, Crow on the Crow Indian Reservation (1868) in Crow Agency, Confederated Salish and Kootenai and Pend d’Oreille on the Flathead Indian Reservation (1855) in Pablo, Northern Cheyenne on the Northern Cheyenne Indian Reservation (1884) at Lame Deer, Assiniboine and Gros Ventre on the Fort Belknap Indian Reservation (1888) in Fort Belknap Agency, Assiniboine and Sioux on the Fort Peck Indian Reservation (1888) at Poplar, and Chippewa-Cree on the Rocky Boy’s Indian Reservation (1916) near Box Elder. Approximately 63% of all Native people live off the reservations, concentrated in the larger Montana cities, with the largest concentration of urban Indians in Great Falls. The state also has a small Métis population, and 1990 census data indicated that people from as many as 275 different tribes lived in Montana.
Montana’s Constitution specifically reads that “the state recognizes the distinct and unique cultural heritage of the American Indians and is committed in its educational goals to the preservation of their cultural integrity.” It is the only state in the U.S. with such a constitutional mandate. The Indian Education for All Act (IEFA) was passed in 1999 to provide funding for this mandate and ensure implementation. It mandates that all schools teach American Indian history, culture, and heritage from preschool through college. For kindergarten through 12th-grade students, an “Indian Education for All” curriculum from the Montana Office of Public Instruction is available free to all schools. The state was sued in 2004 because of lack of funding, and the state has increased its support of the program. South Dakota passed similar legislation in 2007, and Wisconsin was working to strengthen its own program based on this model – and the current practices of Montana’s schools. Each Indian reservation in the state has a fully accredited tribal college. The University of Montana “was the first to establish dual admission agreements with all of the tribal colleges and as such it was the first institution in the nation to actively facilitate student transfer from the tribal colleges”
Note: Births in table don’t add up, because Hispanics are counted both by their ethnicity and by their race, giving a higher overall number.
Montana (state) neighborhoods include: Absarokee, Acton, Alberton, Anaconda, Antelope, Arlee, Ashland, Babb, Bainville, Baker, Ballantine, Bearcreek, Belfry, Belgrade, Belt, Big Arm, Bigfork, Big Sandy, Big Timber, Billings, Black Eagle, Bloomfield, Bonner, Boulder, Box Elder, Bozeman, Brady, Bridger, Broadus, Broadview, Brockton, Brockway, Browning, Buffalo, Butte, Cameron, Cardwell, Carter, Cascade, Charlo, Chester, Chinook, Choteau, Circle, Clancy, Clinton, Coffee Creek, Columbia Falls, Columbus, Condon, Conner, Conrad, Corvallis, Crow Agency, Culbertson, Custer, Cut Bank, Dagmar, Darby, Dayton, Deer Lodge, Dell, Denton, Dillon, Divide, Dixon, Dodson, Drummond, Dutton, East Glacier Park, East Helena, Ekalaka, Elmo, Emigrant, Ennis, Essex, Eureka, Fairfield, Fairview, Fallon, Fishtail, Flaxville, Florence, Floweree, Forest Grove, Forsyth, Fort Benton, Fort Peck, Fort Shaw, Frazer, Frenchtown, Froid, Fromberg, Galata, Gallatin Gateway, Gardiner, Garrison, Geraldine, Gildford, Glasgow, Glendive, Glentana, Gold Creek, Grass Range, Great Falls, Greenough, Greycliff, Hall, Hamilton, Hardin, Harlem, Harrison, Havre, Heart Butte, Helena, Helmville, Heron, Highwood, Hilger, Hingham, Hinsdale, Hobson, Hogeland, Homestead, Hot Springs, Hungry Horse, Huntley, Huson, Inverness, Jackson, Joliet, Joplin, Jordan, Judith Gap, Kalispell, Kevin, Kila, Kremlin, Lakeside, Lame Deer, Larslan, Laurel, Lavina, Ledger, Lewistown, Libby, Lima, Lindsay, Livingston, Lloyd, Lodge Grass, Lolo, Loma, Lonepine, Loring, Lothair, Malta, Manhattan, Marion, Martinsdale, Mc Leod, Medicine Lake, Melville, Mildred, Miles City, Missoula, Molt, Monarch, Moore, Musselshell, Nashua, Neihart, Norris, Noxon, Nye, Oilmont, Opheim, Outlook, Ovando, Park City, Peerless, Pendroy, Philipsburg, Pinesdale, Plains, Plentywood, Plevna, Polebridge, Polson, Pompeys Pillar, Pony, Poplar, Power, Pray, Proctor, Radersburg, Ramsay, Rapelje, Raymond, Raynesford, Red Lodge, Redstone, Reed Point, Reserve, Rexford, Richey, Richland, Ringling, Roberts, Rollins, Ronan, Roscoe, Rosebud, Roundup, Roy, Rudyard, Ryegate, Saco, Saint Ignatius, Saint Regis, Saltese, Sand Coulee, Savage, Scobey, Seeley Lake, Shawmut, Shelby, Shepherd, Sheridan, Sidney, Silver Star, Somers, Stanford, Stevensville, Stockett, Sula, Sunburst, Sun River, Superior, Sweet Grass, Terry, Thompson Falls, Three Forks, Toston, Townsend, Trout Creek, Troy, Turner, Twin Bridges, Two Dot, Valier, Vaughn, Victor, Vida, Virginia City, Volborg, Warm Springs, Westby, West Yellowstone, Whitefish, Whitehall, White Sulphur Springs, Whitetail, Whitewater, Wibaux, Wilsall, Winifred, Winnett, Winston, Wisdom, Wise River, Wolf Creek, Wolf Point, Worden, Wyola, Zortman
For more information, see Montana (state) wiki
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With the state of our world's economy, making monthly payments is getting harder and harder, especially in Montana. 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.
Are you afraid to go shopping for a car because of the embarrassment you may face at the very real possibility of being turned down due to bad credit? If this is you, you're not alone. More than ever before, many are faced with bad credit right now, even in Montana. What you need right now is a little "credit score infusion". Your score needs to be high enough so you can qualify for that auto loan you so desperately need.
I totally understand. In today's world an auto is a necessity. If you're lucky enough to still have a job right now, you've gotta have a car to get to work. If you've been laid off or just can't find a job, you need a car to go look for a job. You need to pick up your kids from daycare, you need to go to the grocery store. Whatever the issue is, you won't get far without wheels, so here are a few tips you can use to infuse your credit score immediately.
Different lenders have different criteria in relation to what they deem to be a "good" score. Really, what it all boils down to is "What interest rate am I going to have to pay?" You can still probably find a lender who will give you a car loan with a credit score of 580, but you're going to pay a really high interest rate for it. Get yourself bumped up to over 600 and better yet, over 620, and you have a few more options, but the rate you're going to pay is still not going to be pleasant. If you have scores in the range of 650 to 680, interest rates are going to be decent. Get yourself over 700 and you've got shopping power!
There are many scoring models out there, so don't be fooled. There can be a 50 to 100 point difference from one credit scoring agency to another, so your best bet is to stick with your FICO Score. This score is derived by Equifax and is the credit score that most lenders use, so you can be pretty confident with the score you receive.
You can get your FICO credit score for $9.95 if you sign up for their Score Watch program. This is the quickest way to get your score, and a great way to monitor how it's going to shoot up after I teach you a few tricks later in this article. If you do not wish to sign up for this free trial, then you can access all three of your credit reports for free, but you will then have to pay around $7 to $10 to purchase your score from each of the three major credit reporting agencies. You can only do this once a year for free.
Maybe you don't have enough income to qualify for that Ferrari you wanted, yet the loan officer will be able to advise you how much you can qualify for, as long as this is your only issue. If you're turned down because of your score, you can ask what is the minimum score they require to get approved. This will tell you whether or not you're going to need sub-prime car financing or not.
If you're not "bankable" just yet, don't worry. There are still auto lenders out there that will give you a loan, but the rate isn't going to be as pretty. I'd first ask the loan officer at the bank if they have anyone they'd recommend to refer you to. You can also do a search on the net for "bad credit auto loans" and you'll get a slew of links to click on. Some of these sites will search multiple lenders for you and could save you some time. If you like a more personal approach, you can look in your local yellow pages for "auto finance companies". Word of caution here though, finance companies usually carry much higher rates, so be sure to shop around.
Most people worry about whether or not they'll be able to make the monthly payments on a loan without taking into account the loan's term, total interest paid, and loan origination fees or pre-payment penalties.
Generally, the lowest rates on auto loans are available on short-term loans, from 12 to 36 months, which mean a large monthly payment but lower amounts of interest. Longer-term loans often come with higher interest rates. When you calculate the total price of your new vehicle, include the interest costs over the years. If it seems like too much for you, try to renegotiate the interest rate, offer a larger down payment, or shorten the term of the loan. Use our auto loan calculator to estimate your monthly payment.