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North Carolina (/ˌkærəˈlaɪnə/ (listen)) is a state in the southeastern region of the United States. It borders South Carolina and Georgia to the south, Tennessee to the west, Virginia to the north, and the Atlantic Ocean to the east. North Carolina is the 28th most extensive and the 9th most populous of the U.S. states. The state is divided into 100 counties. The capital is Raleigh, which along with Durham and Chapel Hill is home to the largest research park in the United States (Research Triangle Park). The most populous municipality is Charlotte, which is the second largest banking center in the United States after New York City.
North Carolina is bordered by South Carolina on the south, Georgia on the southwest, Tennessee on the west, Virginia on the north, and the Atlantic Ocean on the east. The United States Census Bureau places North Carolina in the South Atlantic division of the southern region.
North Carolina consists of three main geographic regions: the Atlantic coastal plain, occupying the eastern portion of the state; the central Piedmont region, and the Mountain region in the west, which is part of the Appalachian Mountains. The coastal plain consists of more specifically-defined areas known as the Outer Banks, a string of sandy, narrow barrier islands separated from the mainland by sounds or inlets, including Albemarle Sound and Pamlico Sound, the tidewater region, the native home of the venus flytrap, and the inner coastal plain, where longleaf pine trees are native.
So many ships have been lost off Cape Hatteras that the area is known as the “Graveyard of the Atlantic”; more than 1,000 ships have sunk in these waters since records began in 1526. The most famous of these is the Queen Anne’s Revenge (flagship of the pirate Blackbeard), which went aground in Beaufort Inlet in 1718.
The coastal plain transitions to the Piedmont region along the Atlantic Seaboard fall line, the elevation at which waterfalls first appear on streams and rivers. The Piedmont region of central North Carolina is the state’s most populous region, containing the six largest cities in the state by population. It consists of gently rolling countryside frequently broken by hills or low mountain ridges. Small, isolated, and deeply eroded mountain ranges and peaks are located in the Piedmont, including the Sauratown Mountains, Pilot Mountain, the Uwharrie Mountains, Crowder’s Mountain, King’s Pinnacle, the Brushy Mountains, and the South Mountains. The Piedmont ranges from about 300 feet (91 m) in elevation in the east to about 1,500 feet (460 m) in the west.
The western section of the state is part of the Appalachian Mountain range. Among the subranges of the Appalachians located in the state are the Great Smoky Mountains, Blue Ridge Mountains, and Black Mountains. The Black Mountains are the highest in the eastern United States, and culminate in Mount Mitchell at 6,684 feet (2,037 m), the highest point east of the Mississippi River.
North Carolina has 17 major river basins. The five basins west of the Blue Ridge Mountains flow to the Gulf of Mexico, while the remainder flow to the Atlantic Ocean. Of the 17 basins, 11 originate within the state of North Carolina, but only four are contained entirely within the state’s border – the Cape Fear, the Neuse, the White Oak, and the Tar–Pamlico basin.
The United States Census Bureau estimates that the population of North Carolina was 10,383,620 on July 1, 2018, a 8.89% increase since the 2010 Census. Of the people residing in North Carolina, 58.5% were born in North Carolina, 33.1% were born in another US state, 1.0% were born in Puerto Rico, U.S. Island areas, or born abroad to American parent(s), and 7.4% were born in another country.
Demographics of North Carolina covers the varieties of ethnic groups that reside in North Carolina, along with the relevant trends.
The state’s racial composition in the 2010 Census:
As of 2010, 89.66% (7,750,904) of North Carolina residents age 5 and older spoke English at home as a primary language, while 6.93% (598,756) spoke Spanish, 0.32% (27,310) French, 0.27% (23,204) German, and Chinese (which includes Mandarin) was spoken as a main language by 0.27% (23,072) of the population over the age of five. In total, 10.34% (893,735) of North Carolina’s population age 5 and older spoke a mother language other than English. North Carolina is also home to a spectrum of different dialects of Southern American English and Appalachian English.
North Carolina residents, like those of other Southern states, since the colonial era have historically been overwhelmingly Protestant, first Anglican, then Baptist and Methodist. By the late 19th century, the largest Protestant denomination was the Baptist. After the Civil War, black Baptists were not allowed in white churches, due to segregation, and set up their own independent congregations. Black Baptists went on to develop their own state and national associations, to be free of white supervision.
While the Baptists in total (counting both blacks and whites) have maintained the majority in this part of the country (known as the Bible Belt), the population in North Carolina practices a wide variety of faiths, including Judaism, Islam, Baha’i, Buddhism, and Hinduism. As of 2010 the Southern Baptist Church was the biggest denomination, with 4,241 churches and 1,513,000 members; the second largest was the United Methodist Church, with 660,000 members and 1,923 churches. The third was the Roman Catholic Church, with 428,000 members in 190 congregations. The fourth greatest was the Presbyterian Church (USA), with 186,000 members and 710 congregations; this denomination was brought by Scots-Irish immigrants who settled the backcountry in the colonial era.
The state also has a special history with the Moravian Church, as settlers of this faith (largely of German origin) found a home in the Winston-Salem area in the 18th and 19th centuries. Presbyterians, historically Scots-Irish, have had a strong presence in Charlotte and in Scotland County.
Currently, the rapid influx of northerners and immigrants from Latin America is steadily increasing ethnic and religious diversity: the number of Roman Catholics and Jews in the state has increased, as well as general religious diversity. The second-largest Protestant denomination in North Carolina after Baptist traditions is Methodism, which is strong in the northern Piedmont, especially in populous Guilford County. There are also a substantial number of Quakers in Guilford County and northeastern North Carolina. Many universities and colleges in the state have been founded on religious traditions, and some currently maintain that affiliation, including:
The state also has several major seminaries, including the Southeastern Baptist Theological Seminary in Wake Forest, and the Hood Theological Seminary (AME Zion) in Salisbury.
In 2016, the US Census Bureau released 2015 population estimate counts for North Carolina’s counties. Mecklenburg County has the largest population, while Wake County has the second largest population in North Carolina.
In 2017, the US Census Bureau released 2016 population estimate counts for North Carolina’s cities with populations above 70,000. Charlotte has the largest population, while Raleigh has the highest population density of North Carolina’s largest cities.
North Carolina has three major Combined Statistical Areas with populations of more than 1.6 million (U.S. Census Bureau 2017 estimates):
North Carolina neighborhoods include: Aberdeen, Advance, Ahoskie, Albemarle, Albertson, Alexander, Alexis, Almond, Andrews, Angier, Apex, Arapahoe, Ararat, Archdale, Arden, Ash, Asheboro, Asheville, Atkinson, Atlantic, Atlantic Beach, Aulander, Aurora, Autryville, Ayden, Aydlett, Bahama, Bailey, Bald Head Island, Balsam Grove, Banner Elk, Barco, Barnardsville, Bath, Battleboro, Bayboro, Bear Creek, Beaufort, Beech Mountain, Belews Creek, Belhaven, Belmont, Belvidere, Belville, Bennett, Benson, Bessemer City, Bethel, Beulaville, Biltmore Lake, Biscoe, Black Mountain, Bladenboro, Blounts Creek, Blowing Rock, Bolivia, Bolton, Boomer, Boone, Boonville, Bostic, Brasstown, Brevard, Broadway, Browns Summit, Bryson City, Bullock, Bunn, Bunnlevel, Burgaw, Burlington, Burnsville, Butner, Calabash, Camden, Cameron, Candler, Candor, Canton, Cape Carteret, Carolina Beach, Carolina Shores, Carrboro, Carthage, Cary, Casar, Cashiers, Castalia, Castle Hayne, Catawba, Cedar Grove, Cedar Island, Cedar Mountain, Cedar Point, Cerro Gordo, Chadbourn, Chapel Hill, Charlotte, Cherokee, Cherryville, China Grove, Chinquapin, Chocowinity, Claremont, Clarendon, Clarkton, Clayton, Clemmons, Cleveland, Climax, Clinton, Clyde, Coats, Cofield, Coinjock, Colerain, Coleridge, Colfax, Collettsville, Columbia, Columbus, Como, Concord, Connellys Springs, Conover, Conway, Corapeake, Cornelius, Corolla, Council, Cove City, Cramerton, Creedmoor, Creston, Creswell, Crouse, Crumpler, Cullowhee, Currie, Currituck, Dallas, Danbury, Davidson, Deep Gap, Deep Run, Delco, Denton, Denver, Dobson, Dover, Dudley, Dunn, Durham, Eagle Springs, East Bend, East Flat Rock, Eastover, Eden, Edenton, Edward, Efland, Elizabeth City, Elizabethtown, Elkin, Elk Park, Ellenboro, Ellerbe, Elm City, Elon, Emerald Isle, Enfield, Ennice, Ernul, Erwin, Etowah, Eure, Evergreen, Fair Bluff, Fairfield, Fairmont, Fairview, Faison, Farmville, Fayetteville, Ferguson, Flat Rock, Fleetwood, Fletcher, Fontana Dam, Forest City, Fort Bragg, Fountain, Four Oaks, Franklin, Franklinton, Franklinville, Fremont, Fuquay Varina, Garland, Garner, Garysburg, Gaston, Gastonia, Gates, Gatesville, Germanton, Gerton, Gibson, Gibsonville, Glade Valley, Glendon, Gloucester, Godwin, Gold Hill, Goldsboro, Goldston, Graham, Grandy, Granite Falls, Granite Quarry, Grantsboro, Grassy Creek, Greensboro, Greenville, Grifton, Grimesland, Grover, Halifax, Hallsboro, Hamilton, Hamlet, Hampstead, Hamptonville, Harbinger, Harkers Island, Harmony, Harrells, Harrellsville, Harrisburg, Havelock, Haw River, Hayesville, Hays, Henderson, Hendersonville, Henrico, Hertford, Hickory, Hiddenite, Highlands, High Point, Hildebran, Hillsborough, Hobbsville, Hobgood, Hobucken, Hoffman, Hollister, Holly Ridge, Holly Springs, Hookerton, Hope Mills, Horse Shoe, Hot Springs, Hubert, Hudson, Huntersville, Hurdle Mills, Indian Trail, Iron Station, Ivanhoe, Jackson, Jackson Springs, Jacksonville, Jamestown, Jamesville, Jarvisburg, Jefferson, Jonesville, Julian, Kannapolis, Kelford, Kelly, Kenansville, Kenly, Kernersville, Kill Devil Hills, King, Kings Mountain, Kingstown, Kinston, Kittrell, Kitty Hawk, Knightdale, Knotts Island, Kure Beach, La Grange, Lake Junaluska, Lake Lure, Lake Santeetlah, Lake Toxaway, Lake Waccamaw, Landis, Lansing, Lasker, Laurel Hill, Laurel Springs, Laurinburg, Lawndale, Lawsonville, Leicester, Leland, Lenoir, Lewiston Woodville, Lewisville, Lexington, Liberty, Lilesville, Lillington, Lincolnton, Linden, Linwood, Littleton, Locust, Longwood, Louisburg, Lowell, Lowgap, Lowland, Lucama, Lumber Bridge, Lumberton, Macclesfield, Macon, Madison, Maggie Valley, Magnolia, Maiden, Manns Harbor, Manson, Manteo, Maple, Maple Hill, Marble, Margarettsville, Marion, Marshall, Marshallberg, Mars Hill, Marshville, Marston, Matthews, Maxton, Mayodan, Maysville, Mc Farlan, Mc Grady, Mc Leansville, Mebane, Merritt, Merry Hill, Middlesex, Midland, Midway Park, Millers Creek, Mill Spring, Mills River, Milton, Mint Hill, Mocksville, Moncure, Monroe, Mooresboro, Mooresville, Moravian Falls, Morehead City, Morganton, Morrisville, Morven, Mount Airy, Mount Gilead, Mount Holly, Mount Olive, Mount Pleasant, Mount Ulla, Moyock, Murfreesboro, Murphy, Nags Head, Nakina, Nashville, Navassa, Nebo, New Bern, New Hill, Newland, New London, Newport, Newton, Newton Grove, Norlina, North Wilkesboro, Norwood, N Topsail Beach, Oakboro, Oak City, Oak Island, Oak Ridge, Ocean Isle Beach, Old Fort, Olin, Oriental, Orrum, Otto, Oxford, Pantego, Parkton, Peachland, Pelham, Pembroke, Pendleton, Penrose, Pfafftown, Pikeville, Pilot Mountain, Pinebluff, Pine Hall, Pinehurst, Pinetops, Pinetown, Pineville, Piney Creek, Pink Hill, Pinnacle, Pisgah Forest, Pittsboro, Pleasant Garden, Pleasant Hill, Plymouth, Point Harbor, Polkton, Pollocksville, Poplar Branch, Powells Point, Princeton, Princeville, Purlear, Raeford, Raleigh, Ramseur, Randleman, Red Springs, Reidsville, Richfield, Richlands, Rich Square, Riegelwood, Roanoke Rapids, Roaring Gap, Roaring River, Robbins, Robbinsville, Robersonville, Rockingham, Rockwell, Rocky Mount, Rocky Point, Rolesville, Ronda, Roper, Roseboro, Rose Hill, Rosman, Rougemont, Rowland, Roxboro, Roxobel, Ruffin, Rural Hall, Rutherfordton, Saint Pauls, Salemburg, Salisbury, Saluda, Sandy Ridge, Sanford, Sapphire, Scaly Mountain, Scotland Neck, Scottville, Scranton, Seaboard, Seagrove, Sealevel, Selma, Seven Devils, Seven Springs, Shallotte, Shannon, Shawboro, Shelby, Sherrills Ford, Shiloh, Siler City, Siloam, Sims, Smithfield, Smyrna, Sneads Ferry, Snow Camp, Snow Hill, Sophia, Southern Pines, South Mills, Southport, Sparta, Spencer, Spindale, Spring Hope, Spring Lake, Stacy, Staley, Stanfield, Stanley, Stantonsburg, Star, State Road, Statesville, Stedman, Stella, Stem, Stokes, Stokesdale, Stoneville, Stony Point, Stumpy Point, Sugar Grove, Sugar Mountain, Summerfield, Sunbury, Sunset Beach, Supply, Surf City, Swannanoa, Swansboro, Sylva, Tabor City, Tarboro, Tar Heel, Taylorsville, Teachey, Terrell, Thomasville, Thurmond, Timberlake, Tobaccoville, Todd, Topton, Traphill, Trenton, Trent Woods, Trinity, Troutman, Troy, Tryon, Turkey, Tyner, Union Grove, Union Mills, Valdese, Vale, Vanceboro, Vandemere, Vass, Vilas, Wade, Wadesboro, Wagram, Wake Forest, Walkertown, Wallace, Walnut Cove, Walstonburg, Wanchese, Warne, Warrensville, Warrenton, Warsaw, Washington, Watha, Waxhaw, Waynesville, Weaverville, Weldon, Wendell, West End, Westfield, West Jefferson, Whispering Pines, Whitakers, White Oak, Whiteville, Whitsett, Whittier, Wilkesboro, Willard, Williamston, Willow Spring, Wilmington, Wilson, Windsor, Wingate, Winnabow, Winston Salem, Winterville, Winton, Woodland, Woodleaf, Wrightsville Beach, Yadkinville, Youngsville, Zebulon, Zionville, Zirconia
For more information, see North Carolina wiki
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The first step in obtaining auto financing 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 dealership. In order to get the best deal on new car financing, 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 North Carolina. 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.
If you're in the market for a vehicle and have bad credit, you've probably been asked by a car dealer or two in North Carolina about whether or not you have money to put down. This is common and, depending upon your credit score, you may or may not have to have a down payment. All car dealers have different requirements for money down and it can depend on a number of factors. Here, we'll take a look at how different types of car dealerships and lenders view down payments, as well as, how they can affect your loan approval.
Most new car dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower priced new cars with attractive financing incentives to make buying easier for people with lower credit scores.
Services available online in some cases may be able to match you with a lender willing to help you get approved for a car loan with little to no money down. It's a matter of finding the right combination of vehicle and dealer to work with your individual circumstances.
Having bad credit often leads to the need for a down payment when buying a car. New car dealerships may offer incentives or rebates to offset the need and used car dealers may be able to make the numbers work in your favor. Buy here pay here car lots generally always require down payments. Negative equity in the vehicle you're trading can prevent you from being able to buy without any money down.