Abstract: A real-time activity recommendation system receives an input from a user device regarding a targeted financial goal, such as a target credit score. Using machine learning models to evaluate patterns of user activity that contribute positively towards the goal, and to evaluate the limitations and opportunities of the user's financial circumstances and profile, the recommendation system makes an assessment in real time to determine user actions that can be taken to improve credit health based on a user's profile and activity data. A user-specific recommendation regarding an activity that should be performed to reach the goal is generated and transmitted to the user. User and third party activity is later monitored as the user's financial status changes over time, and the recommendations are updated accordingly.

Abstract: A real-time activity recommendation system receives an input from a user device regarding a targeted financial goal, such as a target credit score. Using machine learning models to evaluate patterns of user activity that contribute positively towards the goal, and to evaluate the limitations and opportunities of the user's financial circumstances and profile, the recommendation system makes an assessment in real time to determine user actions that can be taken to improve credit health based on a user's profile and activity data. A user-specific recommendation regarding an activity that should be performed to reach the goal is generated and transmitted to the user. User and third party activity is later monitored as the user's financial status changes over time, and the recommendations are updated accordingly.

Abstract: A donning device for underwear and pants. An extendable rod has a handle end and a telescoping end. A spring loaded grasping clip is rigidly connected to the telescoping end. The spring loaded grasping clip is biased in the closed position to firmly grasp the underwear or pants so that underwear or pants may be easily donned.

Abstract: The current invention disclosed a device for directing a concentrated airflow at the user of an air resisted exercise machine. The cowling disclosed in this invention is constructed from either a semi-rigid material or low-porosity fabric and can be removably attached to the cage covering the fan type blades usually associated with such machines. Various means can be used to attach the device to the cage, one means being the use of elastic cords routed through welts. In use, the device of the current invention directs air at the user of the machine. The device is lightweight and portable, and a user can carry the device along for use on machines in a variety of places.