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In contrast to the cities, unincorporated rural settlements known as colonias often lack basic infrastructure and are marked by poverty. The office of the Texas Attorney General stated, in 2011, that Texas had about 2,294 colonias, and estimates about 500,000 lived in the colonias. Texas has the largest number of people living in colonias of all states.
However, numerous families, in the pioneer tradition, loaded their children and belongings in a wagon and headed toward the unknown west. Clarksville, Bonham and Dallas newspapers reported how many wagons passed through each day and how many were camped on the “jockey yards” waiting to find a place to settle. Some of these had sold farms and had money to buy land, but most of these immigrants became tenant farmers and worked on shares. Although Texas permits cities and counties to enter "interlocal agreements" to share services, the state does not allow consolidated city-county governments, nor does it have metropolitan governments. Counties are not granted home rule status; their powers are strictly defined by state law.
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Texas has the fifth highest rate of teenage births in the nation and a plurality of these are to Hispanics or Latinos. Three interstate highways—I-35 to the west (Dallas–Fort Worth to San Antonio, with Austin in between), I-45 to the east , and I-10 to the south define the Texas Urban Triangle region. The region of 60,000 square miles contains most of the state's largest cities and metropolitan areas as well as 17 million people, nearly 75 percent of Texas's total population. In September 2022, the CFPB took action against Regions Bank for charging surprise overdraft fees known as authorized positive fees. Regions is required to, among other consequences, reimburse consumers all the funds it unlawfully charged since August 2018 and pay a $50 million penalty.
The Church of Jesus Christ of Latter-Day Saints is the largest nontrinitarian Christian group in Texas alongside the Jehovah's Witnesses. In some areas of the state—particularly in the large cities—Western American English and General American English, is increasingly common. Chicano English—due to a growing Hispanic population—is widespread in South Texas, while African-American English is especially notable in historically minority areas of urban Texas. In 2019, non-Hispanic whites represented 41.2% of Texas's population, reflecting a national demographic shift. Blacks or African Americans made up 12.9%, American Indians and Alaska Natives 1.0%, Asian Americans 5.2%, Native Hawaiians and other Pacific Islanders 0.1%, some other race 0.2%, and two or more races 1.8%.
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Around 1,150 seaports dot Texas's coast with over 1,000 miles of channels. Ports employ nearly one-million people and handle an average of 317 million metric tons. Atlantic seaboard with the Gulf section of the Intracoastal Waterway. The Port of Houston today is the busiest port in the United States in foreign tonnage, second in overall tonnage, and tenth worldwide in tonnage. The Houston Ship Channel spans 530 feet wide by 45 feet deep by 50 miles long. From the Dallas/Fort Worth area, trucks can reach 93 percent of the nation's population within 48 hours, and 37 percent within 24 hours.
In addition, the legislature established white primaries, ensuring minorities were excluded from the formal political process. The number of voters dropped dramatically, and the Democrats crushed competition from the Republican and Populist parties. The socialists' popularity soon waned after their vilification by the United States government for their opposition to U.S. involvement in World War I.
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The region was primarily controlled by the Spanish for the first couple centuries of contact, until the Texas Revolution. They were not particularly kind to their native populations—even less so with the Caddoans, who were not trusted as their culture was split between the Spanish and the French. When the Spanish briefly managed to conquer the Louisiana colony, they decided to switch tactics and attempt being exceedingly friendly to the Indians, which they continued even after the French took back the colony. After the 1803 Louisiana Purchase, the United States inherited this odd circumstance.
The state's Democratic voters are made up primarily by liberal and minority groups in Austin, Beaumont, Dallas, El Paso, Houston, and San Antonio as well as minority voters in East and South Texas. Although Texas was essentially a one-party state during this time and the Democratic primary was viewed as "the real election", the Democratic Party had conservative and liberal factions, which became more pronounced after the New Deal. Additionally, several factions of the party briefly split during the 1930s and 1940s.
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The Caddoans preferred the company of Americans and almost the entire population of them migrated into the states of Louisiana and Arkansas. The Spanish felt jilted after having spent so much time and effort and began trying to lure the Caddo back, even promising them more land. They included the Muscogee, Houma Choctaw, Lenape and Mingo Seneca, among others, who all came to view the Caddoans as saviors, making those peoples highly influential. Overdraft and depositor fees likely violate the Consumer Financial Protection Act prohibition on unfair practices when consumers cannot reasonably avoid them. Today’s Consumer Financial Protection Circular on surprise overdraft fees and the CFPB’s compliance bulletin on surprise depositor fees lay out when a financial institution’s back-end penalties likely break the law. Individuals who believe they have been subjected to discrimination, harassment or retaliation are encouraged to report what happened.
Thunderstorms strike Texas often, especially the eastern and northern portions of the state. The state experiences the most tornadoes in the United States, an average of 139 a year. Tornadoes in Texas generally occur in the months of April, May, and June.
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A fixed-rate mortgage has an interest rate that doesn’t change throughout the life of the loan. For example, if you have a fixed-rate mortgage with a 6.8 percent interest rate and prevailing rates shoot up the next week, year or decade, your interest rate is locked in, so you don’t ever have to worry about paying more. Of course, if rates fall, you’ll be stuck with your higher rate unless you refinance. There are many types of fixed-rate mortgages, such as 15-year fixed-rate, jumbo fixed-rate and 30-year fixed-rate mortgages. Some analysts believe fixed mortgage rates might dip back into the 5 percent range in 2023.
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