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Your debt-to-income ratio (DTI) is the percent of your gross monthly income that goes toward required debt payments. This number allows potential lenders to see at a glance whether you are likely to be able to afford additional debt payments.
Types of Debt-to-Income Ratios
- The front-end debt-to-income ratio looks only at your housing payments. If you don't currently own a house, the lender looks at the proposed payments for the home you are considering buying.
- The back-end debt-to-income ratio includes your housing payments plus all other monthly debt payments.
Calculating Your Debt-to-Income Ratios
Start by determining your gross monthly income, which is your income before taxes and deductions. You can either divide your annual income by 12, multiply your bi-weekly income by 2.17, or multiply your weekly income by 4.33. If you are planning to purchase a home jointly with your spouse, do the same calculations for your spouse's income and add the results together to get your total household income.
Add up all of your potential housing payments for the home you are looking to buy. This includes not only the mortgage principal and interest, but also monthly costs for homeowner's insurance, mortgage insurance, and property taxes. Then also list your other debt payments, which may include car loan or lease payments, student loan payments, minimum credit card payments, and all other monthly debt payments that appear on your credit report.
Calculate your front-end DTI ratio by dividing your housing payments by your monthly income. Calculate your back-end DTI ratio by dividing your total of all debt payments by your monthly income.
What if Your Debt-to-Income Ratio is Too High?
Lenders vary in the specific DTI ratios they are looking for, but in general, lenders want to see a maximum front-end ratio somewhere between 28% and 31% and a maximum back-end ratio somewhere between 36% and 43%, depending on the lender and loan program. If your ratio is too high, some of these strategies could help you qualify:
- Increase your income by asking for a raise or getting a part-time job to supplement your current income.
- Decrease your debt payments by paying off one of your debts completely. This is an especially effective strategy if you have a large debt that you are already close to paying off.
- Decrease your debt payments by consolidating or refinancing an existing debt with a lower interest rate or longer repayment period, either of which will result in lower monthly payments.


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Are these keychains suitable for all types of vehicles?
Yes, our keychains are designed to be compatible with a wide range of vehicles, including cars, trucks, SUVs, and more. They are the perfect accessory for any automotive interior.
Can I personalize the keychains?
Unfortunately, personalization options are not available for our keychains at the moment. However, we offer a diverse selection of designs to cater to various preferences.
Do the keychains come with a warranty?
The warranty coverage for our keychains may vary depending on the brand and product. We recommend checking the product details for specific warranty information.
Are these keychains made from durable materials?
Yes, our keychains are crafted from high-quality materials to ensure durability and longevity. They are designed to withstand daily use and provide a secure hold for your keys.
Do the keychains have any additional features?
Some of our keychains come with additional features such as bottle openers, LED lights, or multi-function tools. Please check the individual product descriptions for more information.
How do I attach the keychain to my keys?
Attaching the keychain to your keys is simple. Most of our keychains feature a sturdy metal ring that can be easily threaded through the keyring of your keys. It provides a secure and reliable attachment.
Can I return or exchange a keychain if I'm not satisfied?
Yes, we offer a hassle-free return and exchange policy for our keychains. If you're not completely satisfied with your purchase, please contact our customer support for assistance.

subset: commoncrawl


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Terms and Conditions
By using the Rezgo Analytics service you agree to these terms and conditions:These terms and conditions are subject to change without notice by posting the changes to our web site. You have read our general copyright notice and terms and conditions and you agree to them. You use our services at your own risk. Our services are provided on an 'as is' and 'as available' basis. We are not liable for damages, direct or consequential, resulting from any failure to provide service, suspension of service, or termination of service. We do not guaranty the availability of the Rezgo Analytics services. You agree not to hold us responsible for data loss or interruption of service of any kind. Net Applications, Inc. retains ownership and all rights to the Rezgo Analytics logos, trademarks, software, trade secrets, databases, reports, and Web site.
If this agreement is terminated by us or by you for any reason, you agree to remove our code from all items under your control. We will not give your email address or personal identifying information to any third party without your permission or unless required by law or court order. YOU AGREE TO DEFEND, INDEMNIFY AND HOLD US HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, LOSSES, LIABILITY COSTS AND EXPENSES (INCLUDING BUT NOT LIMITED TO ATTORNEY'S FEES) ARISING FROM YOUR VIOLATION OF THIS AGREEMENT OR ANY THIRD-PARTY'S RIGHTS, INCLUDING BUT NOT LIMITED TO INFRINGEMENT OF ANY COPYRIGHT, VIOLATION OF ANY PROPRIETARY RIGHT AND INVASION OF ANY PRIVACY RIGHTS. THIS OBLIGATION SHALL SURVIVE ANY TERMINATION OF THIS AGREEMENT. OUR LIABILITY WILL NOT EXCEED THE PURCHASE PRICE OF THE SERVICES.
You or we may terminate your account at any time. This Agreement will be construed and enforced in accordance with the laws of the State of Califonia without regard to its conflict of laws principles. Venue for any dispute under this Agreement will be Orange County, California. We own the data on visitors to your web site that we collect, and we provide data to you as a service. You can use the data we provide for any legal purposes. We will use the data in compliance with our privacy policy. You will not use any means of falsely generating hits to your pages. You will not create an account for a site with adult, racist or violent content or for a site that appears to be designed to promote adult, racist or violent sites.
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Rezgo Analytics shall not be used to track statistics for unsolicited commercial email (UCE or spam). All accounts used for such a purpose will be immediately cancelled and charged a minimum $100 fee plus $100 per hour for handling complaints against the account holder. Accounts have a maximum daily page views of one million without the approval of Net Applications.
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Error or system malfunction - In the event that your account is charged or credited due to our error or a system malfunction, you will be liable to the extent of any credit that you improperly receive and we may charge your account for such amount, and you will be entitled to recover from us the amount of any improper charge.
Examining your transaction information – Partners and Customers are responsible for promptly and carefully examining your account transaction information in your online account. You will notify us in writing of any errors or omissions in the account transaction information. If we do not receive notice from you within 60 (sixty) days of the transaction date, you are deemed to have knowledge of and agree to accept the transaction information posted to your account as valid and correct. In addition, we will be released from any claim with respect to any and every Partner or Customer transaction, as well as from any other claim for negligence, conversion, breach of trust, breach of fiduciary duty or otherwise. We reserve the right to correct amounts or Customer accounts added to your account by mistake.


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Halo Stud
The Halo Stud Earrings have a delicate, minimalist look, and are made ethically by our partners in Kenya!
The Kenya Collection is handmade by fairly-paid, empowered artisans at a worker-owned cooperative in Nairobi, Kenya. This cooperative is located in Kibera, which is one of Africa's largest slums. Our remarkable partners use the power of artistry to transform not only their own lives but also those of everyone living in their community. Our partners craft the Kenya Collection from recycled brass with accents of cow horn and bone, because these resources are available locally.
Halo Stud Features:
- 9/16" in diameter
- Available in White (Bone) and Black (Horn)
- Crafted from recycled brass
- If desired, polish with a brass cloth to maintain shine
- Comes packaged with muslin drawstring bag and a story card with artisan photos


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Unlock Kyocera Hydro Xtrm C6522
This is how you can Unlock your Kyocera Hydro Xtrm C6522 cell phone from any GSM carrier such as Rogers, Telus, and AT&T.
When you insert a SIM card that is not from the original carrier, your device will ask you to "Enter Code". Simply enter the Unlock Code we email to you and this will permanently unlock your Kyocera Hydro Xtrm C6522 to be used with any GSM carrier.
When you place your order for your Kyocera Unlock Code, the Network Unlock Code will be emailed to you once it has finished processing. Once unlocked, your Kyocera device will be unlocked for another GSM Network.
Get your Kyocera device unlocked today!


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Best repair and fixed Door facility available her and I was willing to pay top dollar to have the work done well. If he didn't want to do the job, I would have appreciated that information. I would have appreciated that information given about service.
After receiving a prompt response and speaking with him I was excited about the potential of having him complete some handyman projects for us and a room division. He was insistent on needing my home address to get an idea if he would be able to make an appointment and provide a quote though I had provided my general area.
I have never used his services personally. Rather, I have recommended him to dozens of my own customers. In my follow-up with referred customers, I have heard so many positive reviews and felt so much satisfaction


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Use of the Website is subject to these Terms of Use. Users who do not accept these terms of use are not authorised to use or continue using this Website, and should cease use immediately.
PreXisionet may amend these Terms of Use at any time and any revised version will be effective immediately upon publication on this Website.
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You may print, reproduce, and use the information in the Website provided such use is for non-commercial educational purposes only (or which is otherwise permitted under the Copyright Designs and Patents Act 1988), provided that you (i) do not modify such information, and (ii) include any copyright notice originally included with such information and this notice in all such copies.
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If this is your domain name, please visit this page to see how to register it as DNS zone into your account.
Note: If you already have registered the DNS zone for your domain name, please wait for DNS propagation. Your web site will be displayed soon. It may take few minutes.
* Do you know what the TXT record is?
Suggested article from our blog: What is a DNS TXT record?
DNS TXT record is a DNS record for many purposes. It can serve as a verification text, a part of an authentication process, or another purpose for outside sources.
The TXT records have different forms. They can be SPF, DKIM, DMARC, or another. You can create different TXT records for the same domain to create maximum trust in your domain and lower the possibility of your email been rejected. You will be able to reduce the phishing attacks that try to use your domain and keep a good reputation.
The simple TXT record does not lead to action, but it is useful for others for additional purposes.


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(Photo above courtesy of Phillip Senini) Go to the following related pages: Forest Lawn Glendale Where the Stars Are Buried Forest Lawn Hollywood Hills Forest Lawn Cypress Photo of the Great Mausoleum at Forest Lawn Photo of Forest Lawn's Wee Kirk o' the Heather chapel Photo of Forest Lawn's 'Little Mermaid' statue & lake Photo of the George Washington Statue at Forest Lawn Glendale Photo of the 'Immortality' statue at Forest Lawn Photo of Forest Lawn's 'David' statue Photo of Forest Lawn's 'Pieta' statue Photo of Jimmy Stewart's grave Photo of Taylor monument near Jimmy Stewart's grave Photo of Clark Gable's grave Photo of Carole Lombard's grave Photo of Spencer Tracy's garden/grave Close-up Photo of Spencer Tracy's grave Photo of Errol Flynn's grave A More Distant Photo of Errol Flynn's grave Photo of Walt Disney's garden/grave Close-up Photo of Walt Disney's grave Photo of Clayton Moore's grave (The Lone Ranger) Photo of Jeanette MacDonald's grave Photo of Mary Pickford's grave Photo of Nat King Cole's grave Photo of George Burns' & Gracie Allen's grave Close-up photo of George Burns' & Gracie Allen's grave Photo of Gracie Allen's grave (before 1996) Photo of Robert Young's grave More distant photo of Robert Young's grave Photo of statue near Robert Young's grave Photo of Alan Ladd's grave Photo of a Bust of Alan Ladd Photo of Red Skelton's grave Photo of the Sanctuary of Benediction Photo of Ethel Waters' grave Photo of Clara Bow's grave Photo of Chico Marx's grave Photo of Gummo Marx's grave Photo of Larry Fine's grave Photo of Dorothy Dandridge's grave Close-up photo of Dorothy Dandridge's grave Photo of Casey Stengel's grave Close-up photo of Casey Stegel's plaque Photo of Louis L'Amour's grave Photo of Joe. E. Brown's grave Photo of Dan Dailey's grave Photo of L. Frank Baum's grave Another photo of L. Frank Baum's grave Photo of Sid Grauman's grave Photo of Aimee Semple McPherson's grave Photo of Jean Hersholt's grave Close-up Photo of plaque on Jean Hersholt's grave Photo of Francis X. Bushman's grave Photo of Russ Columbo's grave Photo of Hubert Eaton's grave (Photo Copyright © 1999-2024-Gary Wayne / All rights reserved.)
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(Click here to read disclaimers) Notice: "Seeing Stars" is not affiliated with any business or celebrity that might be depicted on these pages, nor do these photos constitute an endorsement of the business by this website nor do they represent an endorsement of the website by any such business or celebrity..


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All-Purpose, Rinse-Free Cleaning Spray Instantly Removes Dirt And Stains
Do you have YEARS of stains on your couch, sofa, chair, or your favorite shoes that you cannot get rid of?
Get those stubborn old stains out with our All-Purpose Rinse-Free Cleaning Spray. Cleaning has never been this fun and hassle-free!
When eliminating stuck-on dirt, our Spay will leave a nice shine and polished look on the surface of your items to protect it against discoloration and cracking from high heat up to 1 month.
Cleaning oil-stained or charred pot is no doubt a chore while waiting for the grease to dissolve is time-consuming. Stop the headache with our All-Purpose Rinse-Free Cleaning Spray.
Natural Formula – It is made safe for humans, baby, and pets
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Cleans Everything in 2 Steps – Cleaning is easy and hassle-free, just spray and wipe.
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Anti-UV Protective Coating – Polish items while cleaning to protect items against fading, discoloration and cracking from harmful UV rays.
Widely Applicable – Works on all surfaces including fabric, canvas, finished leather, PVC, glass, vinyl, plastic, rubber, metals, wood, gel coat, fiberglass and more!
Works on all surfaces including fabric, canvas, finished leather, PVC, glass, vinyl, plastic, rubber, metals, wood, gel coat, fiberglass and more!
Directly spray onto the desired area.
Use a towel or sponge to wipe until the stain is removed.
No rinsing is required. Just wipe away the foam with a towel after cleaning.


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When it comes to choosing a backbone to carry a facility's building-automation information, wired bus systems have become the norm. However, wireless systems have been growing in popularity since the arrival of energy-autonomous and service-free wireless components.
An assessment of major criteria indicates that neither of the two transmission media—wired or wireless—comes out alone on top in a building-automation scenario (Table 1). An optimal solution requires both; each implemented where it works better than the other.
Recent meetings between EnOcean Alliance, a manufacturer-independent, non-profit consortium of companies working to develop and promote self-powered wireless monitoring and control systems for sustainable buildings, and the Wireless Networking-Working Group of BACnet, a manufacturer-independent data-communication protocol for building automation and control networks developed under the auspices of the American Society of Heating, Refrigerating and Air-Conditioning Engineers, have opened the door to full integration of wired BACnet and wireless EnOcean technologies. This article discusses how this combination creates long-term value by allowing existing wired infrastructure to expand to include wireless devices for additional functionality and energy savings.
If data are being transmitted over long stretches (more than 100 ft) in a building—such as the transmission of sensor and actuator information across many floors from a central point—there is no economical alternative to a wired bus. Fiber-optic networks are a good option for communication between buildings, long distances, and very large amounts of data. But for signal transmissions on the same floor in a radius of up to about 100 ft, wireless often is the optimal solution.
When choosing a wireless solution, integrators should consider the use of sub-gigahertz operating frequencies, such as devices that operate using 868 mhz and 315 mhz. Lower frequencies exhibit lower attenuation through walls and achieve about twice the range for the same amount of transmission power.
Lower-frequency radio signals are less affected by attenuation when traveling through walls and ceilings than higher frequencies are. Assuming transmission powers are equal, lower frequencies achieve about twice the range as more congested 2.4-ghz operating frequencies. Low operating frequencies are better suited for building-automation systems because they are less affected by radio interference common with the 2.4-ghz band.
Figure 1 illustrates the performance of building wireless systems by frequency. Frequencies below 250 mhz are unfavorable because they require antenna lengths proportional to their radio wavelengths. Low-frequency radio waves have longer wavelengths than high-efficiency ones. The longer the wavelength, the longer the antenna should be to achieve optimal range and performance. Sub-200-mhz frequencies require antennas that are too long for most HVAC devices. On the opposite end, frequencies of 1 ghz and higher increasingly suffer from propagation loss through walls and other obstacles. The ideal range is approximately 300 mhz to 1 ghz, within which it is possible to find low attenuation. With fewer devices necessary per square meter, this is the range needed for a system to be economical.
Installation Effort and Flexibility
When it comes to installation effort, building alterations, and subsequent wishes for expansion, wireless technology has the advantage. Wireless components can be easily fitted on surfaces inaccessible to wired solutions easily and inexpensively. Speed and flexibility are advantages not only for future expansion and alteration, but during initial planning and final installation, when the placement of components can change at the last minute.
Data Volume
Battery-free wireless sensors are ideal for sending measured data packets and control commands, which typically have small data volumes. These data packets can be funneled back to monitoring stations or shared with other devices in different locations via a wired infrastructure in which higher bandwidths are available, full isolation routing can be achieved, and fewer government restrictions are imposed. Information sent by wireless devices is accessible anywhere in a room or space, not just along wires. Therefore, components can be positioned optimally without concern for current or future wiring accessibility.
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The reliability of wired bus systems has been proved. Although some people still are skeptical about wireless systems, many integrators have become increasingly confident since the advent of energy-harvesting wireless controls. There already are more than 100,000 buildings worldwide that incorporate the attributes and performance of wireless energy-harvesting technologies. These types of wireless technologies have been installed in corporate headquarters (e.g., SAP, IBM, Bosch, Siemens, and Nestlé), public buildings (schools, hospitals, and government facilities), historical buildings, residences, landmarks, retail and industrial facilities, and hotels.
Devices on the 2.4-ghz band have to share a limited number of channels. As the band's popularity increases and more wireless-local-area-network-enabled computers become available, problems will escalate because of interference with networks and other permanently active systems, such as mobile phones, Bluetooth, and cordless video monitors.
The ability of wireless components to obtain energy is a major aspect of secure, reliable installation. Range reduction occurs when batteries run out of power. Zero batteries equates to zero maintenance. The use of freely available ambient energy—generated by light, motion, heat, or vibration—is a key benefit of the wide market acceptance of wireless solutions, especially in buildings.
Building professionals' concerns about battery-powered wireless sensors are justified considering the thousands of batteries in a modern building that would need to be replaced regularly. However, these concerns do not apply to energy-harvesting sensors and switches. Although batteries may appear to be more cost-attractive initially, their maintenance and disposal, as well as performance interruptions, quickly can negate any short-term savings.
Modern wireless systems realize savings of up to 15 percent for first-time installations (depending on complexity), compared with some wired solutions with the same functionality. When facilities are altered or expanded, cost benefits can reach 80 percent. Tying wireless systems into a wired network extends the physical reach of their shared data.
EnOcean Alliance has developed a specification for the interoperability of sensor profiles for wireless products operating in license-free frequency bands and is applying for ratification of it as an international standard with ISO/IEC JTC 1/SC 25/WG 1, Home Electronic System.
Wireless Energy Harvesting
Energy-harvesting technology stems from a simple observation: Where measurable sensor values reside, sufficient ambient energy exists to power sensor radio communications. For example, temperature or light levels can change with the press of a button. These rudimentary operations generate enough energy to transmit radio signals that can sustain wireless communications among sensors, switches, and controls within a building-automation system. Batteryless controls use miniaturized energy converters and capacitors that supply power to building-energy-management devices. Bottomless power generation (energy conversion, to be more precise) stems from various sources of ambient power, such as linear-motion converters, solar cells, and thermoelectric converters.
Integrating Wired and Wireless Technologies
On average, rooms in modern office buildings are rearranged about every five years. The flexibility of wireless systems allows architects to discover new design and installation possibilities. Switches and sensors no longer are tied by the locations of electric wires. They can be placed optimally for convenience and ergonomics. Switches can be attached easily to each workstation in an open-plan office. Light switches can be adhered to a hotel bed's headboard or a bathroom's mirror, tiles, or shower partition.
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Room-temperature sensors no longer need to be installed near doors, avoiding corruption of temperature readings caused by the opening and closing of doors. Energy-harvesting products reduce the number of cables laid inside and outside of buildings, allowing users to place sensors just about anywhere (e.g., on glass, furniture, windows, brick walls, and ceilings).
BACnet ensures interoperability among devices of different manufacturers if all of a project's participants agree on certain BACnet interoperability building blocks (BIBBs). A BIBB defines the services and procedures that must be supported at the server and client ends to implement a particular system requirement. A device's protocol-implementation-conformance statement (PICS) lists all of its supported BIBBs, object types, character sets, and communication options.
Interoperability among EnOcean devices is driven by EnOcean Equipment Profiles (EEPs). To conserve transmission energy, the devices transmit short radio telegrams. The telegrams contain basic information (e.g., device type and function), which ensures the receiving device (e.g., a variable-air-volume controller) can react appropriately to the sensor data received. To enable the interoperability of equipment manufactured by different vendors, a standard was defined to bind devices, data communication, and the EEP itself. Previously, the standard was restricted to unidirectional sensor communication that included approximately 50 EEPs ranging from thermostat profiles to occupancy-sensor profiles. The profiles currently are being enhanced to support bidirectional sensor communication as well as gateway bidirectional communication with EnOcean wireless actuators.
Currently, Ethernet twisted-pair wire is the most important medium for wired products. It enables high-quality data transmission and allows power to be supplied to connected units. Wireless devices provide design flexibility that transcends the limitations of hardwired devices. Using a gateway, integrators can combine the best of both worlds. Wired devices still handle the heavy lifting (computing, data management, decision-making, mesh networking, etc.), while wireless controls can feed critical sensor data to a system and sustain themselves from anywhere in a building.
By supporting wired and wireless connectivity, an integrator can benefit from wireless cost and deployment advantages and still rely on hardwired solutions where appropriate. The development of wired gateways is an important milestone for the wireless community as well as the building-automation industry. Gateway controllers provide the missing link between wireless devices and traditional building-automation systems.
Typical applications for a wired/wireless hybrid system are those that revolve around energy savings, such as dimming lights or turning off air conditioning when a room is empty. In older buildings in particular, radio waves are a viable option for improving energy efficiency, but a wired backbone will remain an essential part of the energy-saving equation. Both technologies will play a vital role in the world's economic and environmental recovery.
Did you find this article useful? Send comments and suggestions to Associate Editor Megan Spencer at mailto:[email protected].
A founder of and the vice president of product management for EnOcean Alliance, Armin Anders has a degree in electrical engineering from the University of Karlsruhe in Karlsruhe, Germany. He previously worked for Siemens AG, Siemens Corporate Technology, and Siemens Technology Accelerator GmbH.


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Veterinary Illustration of Skeletal System- Veterinary Illustration of Digestive System- Animated medical illustration of a blocked coronary artery- Laser atherectomy- Womens body with age- Open heart open- Medical illustration of the structural makeup of a coronary artery- AIDS virus attacking t-cell- Insect Illustration- Veterinary Illustration of Muscular System- Women with chest pain- Logo and package design- Electronic illustration for Stroke Advertisement - Electronic illustration of a papilloma in the lactiferous ducts of the breast- Electronic illustration of a clot in a coronary artery- Life Cycle of Hook Worm- Scabies mite book illustration- Interior Design of Heart Hospital Patient Rooms - Interior Design of Hospital Lobby - Exhibit Design and the California Museum of the Heart - Museum gets to the heart of the matter - CONTACT US: Phone: 760.323.1567 E-Mail: firstname.lastname@example.com Mail: 644 Indian Trail Palm Springs CA, 92264 |


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Glass railings are the perfect railing option to provide elegance and a classy look to your home and industry. The glass materials used for railings are highly tempered and are shatter resistive to prevent extreme injuries.
Glass panels in Albacutya are expertly installed through steel brackets. Tinted glass panels blend with the other glassware of your house and do not block the view. Glass railings are installed in various methods and materials according to the customer's instruction and property requirements.
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Recuperating Bernie Sanders says he may slow down campaigning pace
BURLINGTON, Vt. - Bernie Sanders began reintroducing himself to the 2020 campaign on Tuesday, venturing outside his Vermont home to say that he doesn't plan on leaving the presidential race following last week's heart attack - but that he may slow down a frenetic pace that might have contributed to his health problems.
"We were doing, in some cases, five or six meetings a day, three or four rallies and town meetings and meeting with groups of people. I don't think I'm going to do that," Sanders told reporters when asked what his schedule may look like going forward. "But I certainly intend to be actively campaigning. I think we're going to change the nature of the campaign a bit. I'll make sure that I have the strength to do what I have to do."
Pressed on what that meant, Sanders replied: "Well, probably not doing four rallies a day."
Sanders' campaign has said he will be at next week's Democratic presidential debate in Ohio. But it hasn't commented on if or when he'll resume campaigning before that - or what his next steps will be. NBC News announced it would air an "exclusive" interview with Sanders, his first since the heart attack, on Wednesday.
His health problems come at a precarious time, since Sanders was already facing questions about being the oldest candidate seeking the White House, and he has seen his recent poll numbers decline compared to 2020 rival Elizabeth Warren, his chief competitor for the Democratic Party's most-progressive wing.
Sanders, a Vermont senator, also recently shook up his campaign staff in Iowa and New Hampshire, which kick off the presidential nominating process.
"I must confess, I was dumb," Sanders said in front of his house, speaking in soft, calm tones with his wife, Jane O'Meara Sanders, looking on behind him. "Thank God, I have a lot of energy, and during this campaign I've been doing, in some cases, three or four rallies a day all over the state, Iowa, New Hampshire, wherever. And yet I, in the last month or two, just was more fatigued than I usually have been. And I should have listened to those symptoms."
Supporters privately conceded that the timing of the heart attack - which came just as the impeachment inquiry against President Donald Trump was escalating - helped limit the political fallout. But they also acknowledge that he will have to more directly address lingering health concerns then, if not before.
And they hinted changes would be coming to better keep their candidate healthy.
"We're going to look at everything - the whole campaign in its totality - and make adjustments where necessary," said national campaign co-chair Nina Turner, who spoke with Sanders at length on Tuesday during a call with his four national co-chairs. "But make no mistake: Sen. Bernie Sanders is as committed - more so, even more now than he always has been, if that's even possible."
- Sen. Bernie Sanders home in Vermont after heart attack
- Campaign confirms Bernie Sanders had a heart attack
- Sanders says Hahnemann hospital plight example of 'greed'
Last week began on a high note when Sanders announced that he'd raised $25.3 million during the year's third quarter, more than Warren and any other Democratic presidential hopeful. But word of that was overshadowed hours later Tuesday, when Sanders was at a campaign event in Nevada, experienced chest discomfort and was taken to a hospital, where he was diagnosed with a heart attack.
Doctors inserted two stents to open up a blocked artery in his heart. Sanders left the hospital on Friday and flew home to Vermont the following morning.
"It wasn't a major heart attack. He had a minor heart attack. The stents will be extremely helpful in terms of blood flow. I assume he'll be far more vigorous," said RoseAnn DeMoro, a Sanders' confidante and former executive director of National Nurses United. "Heaven help the opposition."
His campaign noted that he had $33.7 million in cash on hand in the quarter that ended last month and, on Monday, he released a plan to impose stricter campaign finance limits. The plan was in the works for weeks before Sanders took ill, advisers say, but they declined to comment on the effectiveness of campaigning via press release - simply issuing policy statements without a candidate out there campaigning to back them up. Surrogates have taken Sanders' place on the campaign trail in the meantime, including Carmen Yulín Cruz, mayor of San Juan, Puerto Rico, who visited New Hampshire on Saturday.
Sanders has been active in recent days communicating with his staff and broader network of longtime supporters. Those who have spoken to him say he is quick to shout down questions about his health, insisting that he's fine - and that he vowed to remain committed to the 2020 race in a Monday conference call with his entire campaign staff.
Supporters also say the campaign has seen a surge in fundraising while he recuperates - though it hasn't released figures to quantify that.
Sanders said Tuesday that he would be meeting with the cardiologist on a regular basis and getting some checkups, but that his main doctor is in Washington, meaning he didn't have a physician in Vermont, "let alone a cardiologist." He previously promised to release his medical records and reiterated that, saying, "We will release them at the appropriate time."
Peoples reported from New York. Weissert reported from Washington.


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Saving money for a down payment on a Loft can seem like a daunting task – especially if you're a first-time homebuyer. While we've all saved money for big purchases like cars and vacations, saving for a Loft is a different ball game. While it may seem out of reach, it's more attainable than you may realize. If you're hoping to buy a Loft soon, then follow these tips for saving money for your down payment.
Adjust your expenses
First of all, now is the time to take a hard look at your monthly expenses. If you have a habit of dining out most days of the week, then consider making more meals at Loft. Do you like to splurge on coffee on the way to work? Make it yourself instead. Other places you may want to cut back include streaming services, nights out with friends, and travel plans. You don't have to cut back forever. But reigning in your spending for a few months can add up.
Automate your savings
It's easier than ever to automate your life, and that includes putting money into a savings account. Check to see if your bank offers automated saving programs. This relieves you of having to think about it every month, and soon you'll see your savings grow without any extra effort on your part.
Get an extra gig
The gig economy is stronger than ever. You can use that to your advantage while you're saving for a down payment. If you want to fast-track your savings, then consider getting a side hustle such as driving for a ride-sharing company, delivering food, or selling your handmade crafts online.
Ask for a raise
Don't leave money sitting on the table at your current job, either. If the time is right, then ask for a raise at work. When you do get the raise, have the extra money diverted to a savings account.
Pay down high-interest debt
High-interest debt like credit cards can make it challenging to save money. When you're paying so much extra money each month in interest, it can feel like you'll never reach your savings goal. That's why you should consider paying down high-interest debt. You can also try refinancing current debt so you pay a lower interest rate.
Save your tax refund
Are you expecting a tax refund this year? Then earmark that money for your down payment so you won't be tempted to spend it elsewhere. Your savings can see a huge boost this way, and it can inspire you to double down on your efforts.
Sell unwanted items
When was the last time you decluttered your living space? Chances are you have unwanted items that are just sitting around your Loft. Turn them into cash by having a yard sale or selling your items online. Having fewer things will also make it easier to move once you do buy a Loft!
Look into all your options
Finally, be aware of all the options that are available to you as a homebuyer. Many down payment assistance programs are available to help first-time homebuyers. You should also shop around for a mortgage. While conventional mortgages often require a down payment of at least 20 percent, loans backed by the federal government often require a down payment of as little as three percent. Some even require no down payment at all!


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To Ukraine now, where we are following developments today in several places. There's intense fighting in the east of the country, new information on a Ukrainian city under Russian occupation and the ongoing Russian blockade of Ukraine's key port.
To sort through all this, we're joined by NPR's Greg Myre. He is in the capital, Kyiv. Hey, Greg.
GREG MYRE, BYLINE: Hi, Mary Louise.
KELLY: OK, let's start with the latest on the fighting in eastern Ukraine, in Donbas. What can you tell us?
MYRE: There's one small, battered industrial city that remains the focal point. This is Severodonetsk. It's in the heart of eastern Ukraine. There was more heavy fighting today but no clear advances by either side. There's reports of street fighting. Russia seemed like it was about to capture this city last week. Then Ukraine said it pushed the Russians back.
Now, President Volodymyr Zelenskyy made a surprise visit nearby Sunday, perhaps just 10 miles or so from the front, well within Russian artillery range. And he urged Ukrainian forces to hold the line. But he's since given an interview calling Severodonetsk and nearby towns dead cities because they've - they're so utterly destroyed. And if we step back, this battle adds to the evidence of a looming standoff in the larger war - more and more signs the fighting could drag on indefinitely, but neither side appears capable of a knockout blow.
KELLY: Let me turn you to another place that I suppose could also be called a dead city. This is the southern coastal city Mariupol. Russia captured it, and then it was like we just stopped hearing anything at all about it, from it. Do we know what things are like there now?
MYRE: Well, we heard from some city councilmembers today. Now, they've long since left, but they're still in touch with some residents. And they put out a statement, saying thousands of bodies are decomposing in the rubble as summer sets in there. Also, the sewage system is not working, so they say there's a powerful stench throughout the city. The statement said the city is literally drowning in garbage and sewage, and there are fears there could be a cholera outbreak.
Now, Russian state media denies there's a humanitarian crisis there. But since Russian troops took over last month, the city is largely a black hole when it comes to information. And just one more grim note today - the bodies of dozens of Ukrainian fighters who were killed in the Azovstal steel plant there in Mariupol, they're now arriving in Kyiv, according to the government.
KELLY: It sounds just like an absolutely horrific situation there. One more place to ask you about, and that is Odesa. This is Ukraine's biggest port. Russia has been blockading it. What's the latest there?
MYRE: Yeah, Ukraine desperately needs to export its abundant farm products - wheat, corn, cooking oil. But the Russian warships in the Black Sea have blocked Odesa, blocked all traffic since the fighting began. Now, Turkey is the broker here. It has decent relations with both countries, and it controls the entrance and the exit to the Black Sea. We are expecting more talks, likely this week.
KELLY: Meanwhile, Ukraine and Russia would seem to have something in common in Odesa, right, Greg? They're both trying to get exports out of that port and out to the wider world. Is there reason to be hopeful they'll find a way to do that?
MYRE: There's little evidence so far. Over the weekend, a Russian missile destroyed a grain storage terminal in a nearby port city. And at the U.N. Security Council on Monday, the European Council president, Charles Michel, said Russia's war is having a global impact - quote, "it's driving up food prices, pushing people into poverty and destabilizing entire regions. Russia is solely responsible for this food crisis." The Russian ambassador responded by storming out, and that seems to sum up the atmosphere at the moment.
KELLY: Not a lot of good developments. NPR's Greg Myre, thanks for staying on top of all of them.
MYRE: My pleasure.
KELLY: He is reporting from the capital of Ukraine, Kyiv. Transcript provided by NPR, Copyright NPR.


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Aerodactyl V 056/100
Aerodactyl V (056/100) from the s11 Lost Abyss set. Mint Condition Single Card in Japanese.
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Aerodactyl V (056/100) from the s11 Lost Abyss set. Mint Condition Single Card in Japanese.
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16 Octobre 2012
PERFORM Oliver SLIPPER
The World's leading Sports Content Media Rights and Technology Convention.
Organised under the Honorary Presidency of H.S.H. Prince Albert II of Monaco, SPORTEL is the stand out event that unites sports media and technology leaders.
For over 30 years, global top level executives representing broadcasters, international federations, sports marketing agencies as well as digital platforms and technology providers gather at SPORTEL to develop new business opportunities and determine the future trends and challenges of the sport business industry.
Retrouvez les dernières Actus Monaco Info et le direct
Monaco Info
21 Juillet 2024
Chronique US : Collectif "Buy Nothing"
Monaco Info
21 Juillet 2024


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How to Ride
You want to ride the Zipflracer but still need some tips?
Stefan Nutzinger and Georg Holl of the Ammenthaler Zipflbob Verein (race team) have got a couple for you:
- Due to the tailering, the Zipflracer is easy to steer. You just need to move your weight slightly to the respective side or touch the snow (the other hand remains on the 'Zipfl' - the steer stick
- Put both legs parallel to each other and stick them out in front of you
- To brake just pull back the 'Zipfl', the Zipflracer will be lifted slightly backwards and will come to a standstill
- To achieve maximum speed it is best to move your body as far back as possible in order to minimize air resistance. This is especially important when running races.
- Highly ecommended --> Ski Goggles, Gloves
Head for the slopes and READY - ZIPFL - GO!


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Singapore, Singapore, 18th Mar 2024 – The world's first AI trading bot designed to revolutionize the financial markets is now available. Quantum AI combines cutting-edge AI algorithms with advanced quantum computing capabilities to deliver unparalleled speed, accuracy, and profitability.
The launch of Quantum AI marks a significant milestone in the evolution of AI-driven trading technology. With traditional trading methods becoming increasingly outdated in today's fast-paced markets, Quantum AI offers investors a revolutionary solution to stay ahead of the curve and maximize their investment returns.
The Quantum AI Trading software is simple to understand and intuitive, allowing traders to make trades using fully automated AI software without any complexities. By leveraging the power of cutting-edge technology and advanced algorithms. Quantum AI is powered by state-of-the-art AI algorithms that analyse market trends, patterns, and correlations with unparalleled accuracy. These advanced algorithms enable Quantum AI to make informed trading decisions based on real-time data, helping investors achieve outstanding returns.
As the world's first AI trading bot, Quantum AI is at the forefront of a new era in investment technology. By combining the latest advancements in AI and quantum computing, Quantum AI offers investors a glimpse into the future of trading, where speed, precision, and adaptability are paramount. The future of trading is here, and it's powered by Quantum AI.
The software enables investors to execute trades with unparalleled accuracy and efficiency by harnessing advanced AI algorithms and real-time market analysis – with Quantum AI, every trade is based on data-driven insights and objective research, giving you the confidence to make informed decisions and maximize your investment returns while minimizing risk.
In today's fast-paced markets, staying ahead of the curve is essential for success. By continuously monitoring market conditions, analysing trends, and identifying emerging opportunities, Quantum AI keeps investors one step ahead of the game. Whether you're a seasoned trader or just starting, Quantum AI gives you the edge you need to stay ahead of the curve and thrive in today's competitive financial landscape.
Quantum AI prioritizes the security of investors' assets with robust encryption protocols and secure authentication mechanisms. Investors can trade with confidence, knowing that their funds are protected against cyber threats and hacking attacks.
Investors can achieve long-term goals with quantum AI by taking control of their financial future. Whether you're looking to build wealth, secure your retirement, or simply grow your investment portfolio, the software provides all the tools and resources you need to succeed in today's dynamic markets. With Quantum AI, investors can embark on a journey toward financial freedom like never before.
"We are thrilled to introduce Quantum AI to the world," said Andrew Fischer, CEO of Quantum AI Trading. "With its unparalleled scalability, accuracy, and adaptability, Quantum AI represents a game-changing innovation in the field of AI-driven trading technology.
We believe that Quantum AI will empower investors to achieve their financial goals with confidence and ease."
Quantum AI is now available for investors worldwide. To learn more about Quantum AI and start trading with the world's first AI trading bot, visit QuantumAI today.
Media Contact
Organization: Quantum AI
Contact Person: Andrew Fischer
Website: https://quantumai.bot
Email: firstname.lastname@example.com
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Every Aspect Covered
As a client this is what I expected from consultants. As consultants it is what we expect to deliver. Aspect has been established to provide advisory and compliance services to public and private clients.
Our experience has come from over 70 combined years of working with the water, energy, resources, and industrial private and public infrastructure sectors in Australia, New Zealand, Africa and South East Asia.
We believe environment and safety integrates into all aspects of business processes and are used as a driver to improve reliable systems and enhance productivity, engagement, efficiency and quality.
Our resume includes:
- Policy and Guidelines
- Due diligence and Compliance auditing
- EMS Preparation and Review
- Planning Approval and EIA
- Licensing
- Security Reviews
- Mine closure plans and EMPs
- WHS strategy, policy and plans
- Safety leadership
- 'Peer to peer' safety
- WHS Management systems
- Risk management
- ICAM accident / incident investigations
- Current State Analysis assessments
- HSE audits, project health checks, HSEQ inspections
Aspect Environmental
Aspect Safety Group
Suite 117 / 25 Solent Circuit
Baulkham Hills NSW 2153
Aspect: 0439 455 975
Mine Closure Plan – Comet Vale
Client: Hillgrove Resources
Preparation of a mine closure plan for a Hillgrove Resources site in northern NSW. The document detailed the site background, closure and lease relinquishment procedures, management strategies to enhance site stability and reduce generation of acid mine drainage. The closure plan adopted a risk based approach to complement the assessment and verification of achieved closure criteria and recommended a monitoring program to enable performance to be progressively assessed.
Rehabilitation options for mine closure objectives were developed through primary consultation with the Department of Industry and Investment NSW, the landowner and the leaseholder as well as general consultation with DECCW and the Local Council. Options were assessed and reviewed through a multi-criteria analysis process which enabled confirmation of the preferred option and refined the subsequent risk-based approach to achieve regulator, leaseholder and landowner satisfaction.
Managed mine rehabilitation works. All onsite works and reporting were completed in accordance with the Mining Operations Plan for Mine Closure and the Mining Lease conditions.
Email: Richard Johnson (email@example.com)
Phone: 0409 051 535
Key Aspects
- Development Consent for mining activity.
- Mine Closure plan.
- Management of site rehabilitation earthworks, contractors and access arrangements.
- Site Monitoring and reporting.
- Mine Manager.
- SWMS and site safety auditing.
- Coordination of site earthworks contractors.
- Agency liaison (DPI, EPA and Council).
- Rehabilitation Cost Estimate (security calculation) and Rehabilitation Review.
Environmental Due Diligence: REVY
Client: Google
Environmental due diligence of the target acquisition site (REVY) in Pyrmont, Sydney on behalf of Google.
Email: Richard Swift (firstname.lastname@example.com)
Phone: 0448 977 933
Key Aspects
- In response to Google's requirement, the EDD was carefully expedited and accurately identified the environmental and H&S risks inherent to the site. This enabled Google to manage their risk by taking appropriate immediate corrective action at the time of taking possession of the site.
Blair Athol Mine – Independent Environmental Audit
Client: Orion Mining
Preparation of an independent 3rd party audit of the compliance of the Blair Athol Mine's environmental performance against the issued Environmental Regulated Activity permit for the mine.
Email: Richard Johnson (email@example.com)
Phone: 0409 051 535
Key Aspects
The audit was undertaken by Richard Johnson as the Lead Auditor and involved:
- review of above ground works, mine infrastructure, environmental performance, training, management, monitoring and reporting in accordance with the site's ERA permit.
Remediation Project – Hunter River
Client: BHP Billiton
Project director and approvals coordinator for the initial stages of the remediation project being undertaken on the Southern Arm of the Hunter River in the Port of Newcastle.
Coordinated the preparation of licence approvals and modifications to existing consents for the project.
Email: Richard Johnson (firstname.lastname@example.com)
Phone: 0409 051 535
Key Aspects
- 150+ approval requirements from regulatory agencies (including Department of Planning, DECCW, Maritime NSW) for the extraction, onshore storage and treatment and disposal to dedicated landfill of approximately 780,000 m3 of contaminated sediments resulting from steel processing operations.
- Three workscope components for river dredging, onshore treatment, and dedicated encapsulated disposal on Kooragang Island
- Preparation of suite of management plans
Environmental Management & Rehabilitation – White Bay Power Station Site
Client: Confidential Client
Site inspection and assessment of building and soil risks from previous land use.
Coordination of technical specialists to undertake desktop and field investigations to inform remediation planning and quantification of site environmental, health and safety risk and cost analysis.
LIaison and coordination with multidisciplinary team of engineers, property/facility managers, contaminated site and occupational hygienists and Proponents. Stakeholder interaction with regulatory agencies also undertaken.
Preparation of technical and remediation specifications. Advise on contractual requirements and technical specifications.
Key Aspects
- Provision of advisory and site assessment advice on presence of potentially hazardous materials in-ground and within built structures.
- Cost estimation for remediation measures
- Preparation of Preliminary Remediation Action Plan
- Identification of concurrent planning pathways for approvals