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The 2030s are projected to be a transformative decade for the U.S. population. The population is expected to grow at a slower pace, age considerably and become more racially and ethnically diverse. Net international migration is projected to overtake natural increase in 2030 as the primary driver of population growth in the United States, another demographic first for the United States.
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The 2017 National Population Projections are the third set of projections based on the 2010 Census. This series updates the prior series released in 2014, which was the first to incorporate separate assumptions about the fertility of native-born and foreign-born women living in the United States, since the latter tend to have higher fertility rates.
The 2017 series extends that work to include assumptions about the mortality of native-born and foreign-born people. For the first time, the national population projections will account for the generally lower mortality rates and higher life expectancy of the foreign-born, which allows us to better project for the effects of international migration on the population of the United States. The 2017 series also includes projections of the racial and ethnic composition of children and older adults for the first time.
Fannie Mae offers first-time home buyers the chance to buy a foreclosed property for as little as 3% down with their HomePath program. You can even apply for up to 3% of your closing costs back through the program as well. Fannie Mae homes sell in as-is condition, so you may have to repair a few things before your new place is move-in ready. However, closing cost assistance can help make it more possible to cover these expenses.
Some states also provide first-time homeowner assistance specifically for student loan borrowers. Home buyers who have a qualifying amount of student loans or have graduated recently could qualify for programs that reduce their mortgage rate, provide down payment assistance or offer specialty loans. Check your state website or consult a real estate professional to see what options are available to you.
Employer-sponsored programs are entirely up to the discretion of the employer and state sponsor if there is one. Many state-employer partnership programs also use the previously mentioned 3-year rule for deciding who is and who is not considered a first-time home buyer.
For first-time homebuyers, the Texas Department of Housing and Community Affairs (TDHCA) offers the My First Texas Home program, a 30-year mortgage with a low interest rate and up to 5 percent in interest-free down payment assistance. You can obtain an FHA, VA or USDA loan through this program.
Whichever lender or loan program you decide on, be sure to compare mortgage rates and loan offers across multiple lenders. This can help you find the most affordable mortgage for your first home purchase.
Plenty of home loan programs cater to first-time buyers. Many of these programs have looser eligibility guidelines to accommodate borrowers with lower household income, credit scores, or down payments.
Down payment grants, tax credits, closing cost assistance, and other financial programs are typically not advertised, so be sure to ask around. Our first-time home buyer guide has tips to help you both discover and get prequalified for first-time home buyer loans and grants in your area.
Group work can be a lifesaver for first-time teachers. While it requires more planning, the class essentially runs itself. Many students prefer group work too and feel more comfortable sharing their ideas with a smaller group than the entire class.
This is a common mistake among first-time TAs is not waiting long enough for students to answer questions. Wait around 10 seconds before repeating the question or moving on. Waiting will give you students time to consider the question and come up with a thoughtful answer.
Credit is important. And having good credit can make it easier to rent an apartment, take out a car loan and buy a home, among other things. But it can be hard to know how to establish credit for the first time.
Filing taxes for the first time is a big milestone for any young adult. In the past, your parents may have handled tax filing for you, but now it's your turn to take charge of your finances and file your own return. To help you cruise through the process, here are some quick tips for how to file taxes on your own for the first time.
The collaboration had made earlier observations with fewer telescopes, but 2017 was the first time they had a globe-spanning array that included the power of the Atacama Large Millimeter/submillimeter Array in Chile with its 64 dishes. Millimeter waves are affected by clouds, so getting good weather was important. In April 2017, the weather gods smiled. "It was one of the smoothest parts of the project," says team member Feryal Özel of the University of Arizona in Tucson. "Some crews worked 16- or 18-hour shifts, but the whole thing was lucky," she says, adding: "Analyzing the data was much harder."
When you first start working out, it might seem like your new sweat sessions are zapping your energy, says Gottlieb. That's normal since your body isn't used to spending so much energy every day. After a while, though, working out has been shown to have the opposite effect. "Your body may take some time to adjust to the new activity level, but once it does you should start to actually feel more energized after your workouts," says Gottlieb.
Bangkok can be a hot, hectic, and overwhelming city. It can also be a delight to explore, with golden temples, floating markets, luxurious shopping malls, and some of the best street food in Asia. Here are the best things to do in Bangkok if this is your first (or second!) time in the city. At the end of this post, we offer travel tips to help make your first time in Bangkok an awesome experience.
I had my first Thai massage in Bangkok. This massage was not peaceful or relaxing; it was a wrestling match. For one hour my little lady bent me in all different ways, stretching my muscles all while doing deep tissue massage. She started with my feet, worked up my legs, then to my arms, finishing with my back. At times she was pressing so hard into my muscles I was trying to not make noise because of the pain. It felt like this tiny lady was going to rip me to pieces.
In searching for that "just right" first cruise, you've followed all the rules -- researched cruise lines, examined possible itineraries and exchanged posts on Cruise Critic's First Time Cruisers and Ask a Cruise Question forums. You've booked your ship, selected a stateroom and picked an itinerary.
So what's next? You'd be surprised at how many factors -- perhaps less earth-shattering but important nevertheless -- remain to be considered, such as packing, getting to the ship and life onboard. The following first-time cruise tips and cruise 101 will help you find the answers to any remaining questions you might have, so that you can get off to a stress-free and fun-filled start to your first-ever vacation at sea.
Use the first few hours to explore the ship and book spa treatments, speciality dining and popular shore excursions as these can get booked up early. Most cruise lines also offer pre-booking online. It's worth noting that if the ship has speciality restaurants they will often throw in something free (like a bottle of wine) on the first night of the cruise; same with the spa, which will have special offers.
, which offer a wealth of information from cruise experts who are usually quick to respond to any queries from first-time cruisers. The boards also contain information about your chosen line, ship and destinations and it is easy to post your own questions.Bon voyage!
It can be nerve-wracking to talk to a girl you like for the first time. However, when you work up the courage to speak to her, there's a chance she could like you back! Start by looking at her body language to figure out when to approach her. Then, use a question or statement to break the ice and spark a conversation.
Don't go into the conversation like a bull in a china shop. If you come on too strong the first time you talk, it might be too much for her. Instead, go in soft and without an agenda. Give her enough space and distance so that she doesn't feel like her body space is invaded or that she can't easily exit the situation.
It applies to your very first home purchase, of course, but it also applies if you or your spouse haven't owned a principal residence at any time during the past two years. The operating word here is "principal," because even if you've owned a vacation home during that time, the exemption can still apply.
Amy Purdy is a three-time Paralympic medalist, Dancing With the Stars contestant and a pioneer in the sport of paralympic snowboarding, but to her pup, Huckleberry, she's just his mom. And he's gone viral in a video Purdy shared where he sees her stand for the very first time.
Though the video was posted Monday morning, it's already racked up over 2.5 million views in that time. The clip is captioned "The first time huckleberry saw me stand. He was so concerned & sweet," and has the internet enraptured with the adorable pup.
In the on-screen caption, Purdy explains that she'd been in a wheelchair for the last two years, and that it was the first time Huckleberry had ever seen her stand. In the clip, the dog stares at her and back at the camera operator, finally coming over to Purdy for some pets and loving.
"Our dog Huckleberry is so intuitive and sweet and had never seen me stand before because we got him as a puppy when I was going through multiple surgeries and in a wheelchair for 2 years. This video was the first time he ever saw me standing and he really didn't know what to think! He stared at me concerned and confused for awhile then looked toward my husband for reassurance, It was really sweet. Now he's gotten used to me walking. But it was fun capturing this moment on camera!" she told Newsweek. 350c69d7ab