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Daily Mail
2 days ago
- Health
- Daily Mail
Using AI to analyse ultrasound scans lets parents pinpoint exact due date of babies, study claims
Using artificial intelligence to analyse ultrasound scans could give parents the exact day their child will be born with 95 per cent accuracy, a study has claimed. Doctors currently estimate a foetus's due date by adding 40 weeks to the first day of the mother's last menstrual period. This rough calculation is known as Naegele's rule and assumes the woman has a 28-day menstrual cycle and ovulates on day 14, which, for many, is not true. In the UK, just four per cent of babies are born on their due date. But a group of US researchers say using AI to analyse ultrasounds could predict a child's date of birth with 95 per cent accuracy. Using a software developed and trained using more than two million ultrasound images from women who gave birth at the University of Kentucky from 2017 to 2020, the scientists measured how well AI could estimate whether a baby would be carried to term or not. The program, called Ultrasound AI, was able to predict whether a baby would be born early with 72 per cent accuracy, without relying on external information such as maternal history or clinical measurements. It was 95 per cent accurate in predicting the due date of babies carried to full term, and 92 per cent accurate for all births combined. 'AI is reaching into the womb and helping us forecast the timing of birth, which we believe will lead to better prediction to help mothers across the world and provide a greater understanding of why the smallest babies are born too soon,' said Dr John O'Brien, director of maternal-foetal medicine at the University of Kentucky. 'AI will eventually provide greater insights into how to target and prevent adverse pregnancy outcomes 'This work is an important first step in the start of a powerful advance in technology for the field of obstetrics.' Preterm birth is currently the leading cause of neonatal mortality in the world, and one in every 12 babies is born prematurely. It comes after the UK Government last year announced a plan to reduce the number of preterm births from 8 per cent to 6 per cent.
Daily Mail
5 days ago
- Entertainment
- Daily Mail
Pregnant Pixie Lott showcases her blossoming baby bump in a plunging red gown as she steps out in London - just weeks before her due date
Pixie Lott proudly displayed her baby bump as she stepped out in London on Wednesday - just weeks before her due date. The 34-year-old singer, who recently announced she is expecting her second child with husband Oliver Cheshire, turned heads in a plunging red gown. She completed the ethereal look with red velvet heels and delicate jewellery. Pixie was spotted gently cradling her blossoming bump as she walked through large metal gates on her way to her next destination. Her outing comes after the singer, who is already a mother to son Bertie, 23 months, revealed exactly when she is set to welcome baby number two. Speaking to The Sun earlier this month, the Essex-born beauty revealed that she is just four weeks away from welcoming her newborn, with her last gig being Friday's Flackstock. She said: 'I think the last gig [Flackstock] is going to be four weeks before the due date. So yeah, I think it's going to be fine... 'I did it last time and I've checked with the doc and he said that it's fine to keep doing it as long as you feel good. So hopefully, I mean that last show, four weeks, I don't know how long... Woo!' Pixie also discussed how she feels while being pregnant, working and looking after an under two-year-old all in one go. She divulged: 'It's more tiring being pregnant, waking up early and running around after him than the shows, because with the shows I get like an adrenaline that takes over so I don't even think about it... 'The tiring bit is the running around after the toilet fight.' Last month, Pixie announced live on stage that she was expecting her second child at London's Mighty Hoopla. After revealing her pregnancy, Pixie cradled her blossoming bump and she flashed a radiant smile for the cheering crowd. Her very public announcement came in contrast to her first pregnancy, which she kept a secret until she was 31 weeks along. Pixie was spotted gently cradling her blossoming bump as she walked through large metal gates on her way to her next destination The pop star took to Instagram to break the joyous news in June 2023, showing off her bump in a black sports bra and leggings, while Oliver planted a kiss on her stomach. While the hitmaker has previously revealed her desire to have a 'big family', telling The Sun in 2021: 'I'm a big family girl, a very big family girl. 'It is everything to me so I would love to have my own when I can find the time. It's such an amazing thing to have.' Pixie and Oliver met for the first time at a Select Model catwalk show back in 2010 and quickly struck up a romance. The model then popped the question in November 2016 on the steps of St Paul's Cathedral in London. The couple finally tied the knot in June 2022 at Ely Cathedral after they were forced to cancel their wedding several times due to the Covid pandemic.
Yahoo
6 days ago
- Business
- Yahoo
When is my first mortgage payment due?
Key takeaways To find the due date of your first mortgage payment, add 30 days to your closing date, then find the first day of the following month. When you make mortgage payments, you're paying for the previous month, not the current month. You have several options for paying your mortgage, such as setting up autopay or paying online through your servicer's portal. When is the first mortgage payment due? The due date for your first mortgage payment is based on your mortgage closing date. You must typically begin making payments one full month (30 days) after your mortgage closing date, on the first day of the month following the end of that 30-day period. Example of when a first mortgage payment is due Shop Top Mortgage Rates Personalized rates in minutes A quicker path to financial freedom Your Path to Homeownership Say you close on your mortgage on March 12. Adding a month brings you to April 12, which would mean your mortgage due date would be on the first day of the following month: May 1. While it may seem like you're skipping a payment, you're not. That's because your mortgage payments are for the previous month, not the current month. The documents you receive at closing specify the due date of your first mortgage payment, typically in something called the 'First Payment Letter.' This also outlines the amount of principal and interest you'll pay each month, along with any tax payments that are part of your monthly mortgage bill. Can you change the due date of your first mortgage payment? In some cases, homebuyers can prepay interest, and even a portion of a mortgage payment, at closing. This can move the first full mortgage payment up to two months — or 60 days — after closing has taken place. Keep in mind that months with 31 days can impact your ability to adjust your first payment. 'This is a closing strategy that many loan officers discuss with their clients,' says Chris Parks, sales manager for Churchill Mortgage. 'An example would be closing in August, skipping the August and September payments and then having your first payment due in October.' If the lender allows, many homebuyers also try to strategically time closing with the end of an apartment lease or the sale of an existing home. This can help avoid juggling rent and a mortgage or multiple mortgage payments. 'Changing the mortgage due date is especially important for cash flow. Moving is expensive. So are closing costs, furnishing a new home and paying for a home warranty. Giving yourself as long as possible to build up your funds or to align with payday is a smart move,' says Jonathan Palley, CEO of Clever Tiny Homes. Can you change the due date of your ongoing mortgage payment? Some lenders let you adjust the due date of your ongoing mortgage payment — for example, from the 1st of the month to the 10th — especially if you request it during closing. Some don't. Ask your lender about its policies. How much is your first mortgage payment? The amount of your first mortgage payment is listed in your closing disclosure, a document you'll receive at least three days before closing. Each of your mortgage payments includes: Loan principal Interest Taxes (if you pay through your mortgage servicer) Homeowners insurance (if you pay through your mortgage servicer) The acronym PITI stands for these main components of your mortgage payment: principal, interest, taxes and insurance. However, your payment may also contain other components, such private mortgage insurance (PMI) or fees charged by your homeowners association, if you have one. For fixed-rate mortgages, the principal and interest payments will remain the same for the life of the loan. However, other costs that make up your monthly payment pay change. For example, your property taxes or homeowners insurance premiums may increase over time. Example of how much a first mortgage payment costs Say you bought a house for $350,000 at a 6.8 percent interest rate and put down 10 percent. Using Bankrate's mortgage payment calculator, your monthly mortgage payment would be about $2,350, with around $2,054 going toward the principal and interest and the rest going toward property taxes and insurance. Your mortgage's first payment will largely go toward interest, based on your loan's amortization schedule. While your first year of homeowner's insurance premiums are often included with closing costs, you can expect to pay each month toward your annual property tax and insurance costs. Learn more: How much house can you afford? How to make your first mortgage payment You can choose one of many methods to pay your mortgage, including: Autopay. Almost all lenders allow you to pay your mortgage via recurring, electronic payments. This way, you'll avoid missed payments and late fees — but you can also schedule larger-than-required payments to pay off your mortgage early and save on mortgage interest. Some lenders offer discounts for autopay. Online. You can also manually make payments through your lender's portal or app. If you plan to pay off your house early, but you can't commit to making extra payments each month, this is an easy way to pay toward your principal when you have space in your budget. By mail. If you prefer, you can send your monthly payment by mail using a personal check, cashier's check or money order. Always include your mortgage account number on your check and allow enough time for delivery to avoid late charges. By phone. Your mortgage statement will also include a number you can call to make a mortgage payment. You'll need your mortgage account number and bank account — or other payment — information. There may be a service charge for phone payments. If you want to prepay your mortgage, make sure your servicer applies the extra payments to the principal balance of the loan. This is not a default for many lenders. Learn more: Biweekly mortgage payments What happens if you miss a mortgage payment? If you miss your mortgage payment, be sure to pay as soon as possible. Most lenders offer a grace period, during which you can make a payment without a late fee or other consequences. Keep in mind that, while one late payment likely won't result in your eviction, repeated delinquencies could harm your credit and lead to foreclosure.'Missing a payment is a big deal. By missing a payment, you are putting into question your ability to repay the debt and will incur additional scrutiny on any further transactions,' Parks says. Late payments can also cause other issues. According to Parks, some lenders will disqualify you from another mortgage or a refinance if you're more than 30 days late two times during the same 12-month period. If your payments are no longer affordable, contact your lender. You may qualify for a loan modification, repayment plan or a temporary payment reduction. FAQ Why is the first month's mortgage payment more? As soon as you close on your mortgage, interest starts accruing. So if you close in the middle of a month — for example, March 12 — you'll owe interest for each day between the closing and the last day of the month. This is known as per diem interest. Many lenders require you to prepay your per diem interest on closing day. But some will roll it into your first mortgage payment. In the latter case, your first month's mortgage payment is more than your normal payment. Will my lender tell me when my first mortgage payment is due? Your lender should provide your first payment due date in your closing paperwork. Otherwise, you can usually find the due date in your online mortgage account. If you haven't heard from your lender or can't access your online account, reach out and confirm the payment due date. Typically, it's the first of the month after you've owned the home for 30 days. So, if you closed on March 12, your first payment would be due May 1. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
