Mark Veldhuizen - Zoetermeer, NL Johan Renes - Amersfoort, NL Allen C. Turner - Salt Lake City UT, US
International Classification:
G06Q 40/00
US Classification:
705 4, 705 38
Abstract:
Described is a system for offering financing to a couple seeking financing for the purchase of real estate, the improvement comprising gathering information from the couple regarding the couple and the piece of residential real estate; calculating, with computerized software, a divorce insurance policy premium for the couple based upon this and other information; determining the insurance policy premium's price with the mortgage financing; offering the mortgage financing, coupled with the insurance premium, to the couple; if the couple accepts, creating a legally binding document memorializing the mortgage insurance policy, wherein the legally binding document sets forth terms and conditions of the mortgage insurance policy; transmitting the completed, legally binding document to the couple; periodically and regularly charging the calculated periodic amount to the couple; and administering the mortgage insurance policy in such a manner that, upon divorce or legal separation of the couple, paying damages arising from the piece of real estate and associated with the divorce or legal separation.
Insurance For Cessation Of Legal Personal Contract
Johan Renes - Soest, NL Allen Turner - Salt Lake City UT, US
International Classification:
G06F017/60
US Classification:
705/004000
Abstract:
A method of doing business in divorce insurance policies, which method includes determining a periodic (e.g., monthly, semi-annually or annually) amount to be charged a prospective participant for divorce insurance; charging that periodic amount to a participant in an insurance program over a period of time; and administering the insurance program (e.g., confirm that a divorce has or has not occurred, receiving and making payments, etc.). The amount to be charged a prospective participant will generally be based upon the prospective participant's age and the prospective participant's spouse's age, both at the time of the marriage and at the time of paying the particular premium. The amount to be charged will also typically be based, in part, on the prospective participant's projected earnings and/or the prospective participant's spouse's projected earnings. The amount charged a participant can be changed in view of changed circumstances in the lifestyle (e.g., income, inflation, deflation, educational achievement of the participant or the participant's spouse, birth of a child, death of a child, disability of a participant, disability of a spouse, return on investment) of the participant. Once determined and collected, at least a portion of the periodic amount will be invested by the insurance company in appropriate investments.
The invention includes a method of labeling a biological polymer involving including within the polymer a series of monomers that encode a source of origin or other useful information regarding the biological polymer. Preferably, the biological polymer is DNA, and the series of monomers spell the name of the entity creating the biological polymer using the single letter codes of amino acids corresponding to codons encoded by the DNA.
Allen Turner - Layton UT, US Kyle Schick - Kaysville UT, US
International Classification:
C23F 1/08
US Classification:
15634551
Abstract:
A fixture for etching PCD drill inserts is provided. The fixture design allows the fixture to be injection molded, significantly reducing costs and allowing the fixture to be disposed of after a single use. The fixture allows for faster use and more accurate etching of the PCD insert.
Mark Veldhuizen - Zoetermeer, NL Johan Renes - Amersfoort, NL Allen Turner - Salt Lake City UT, US
International Classification:
G06Q 40/08
US Classification:
705 4
Abstract:
Described is a computerized system for offering financing to applicants seeking financing for the purchase of real estate. The system comprises gathering information from the applicants regarding the applicants and the real estate; calculating, with computerized software, a separation insurance policy premium for the applicants based upon this and other information; determining the insurance policy price with the mortgage financing; offering the mortgage financing, coupled with the insurance premium, to the applicants; if the applicants accept, entering into a legally binding agreement memorializing the separation insurance policy; periodically and regularly charging the calculated periodic amount to the applicants; and administering the separation insurance in such a manner that, upon divorce or legal separation of the applicants, payments are made on behalf of the applicants for the real estate.
Etching Tray And Lid For Acid Etching Pcd Cutting Inserts
An etching tray for etching PCD cutting inserts is provided. The etching system includes a tray having a bottom and side walls extending upwardly from the tray bottom and a lid attachable to the top of the tray. The lid may include a funnel formed as an integral part of the lid which has an upper opening disposed above the lid and a lower neck which extends into the tray. The lid may also include an opening for a float to pass through and provide a visual indication of the liquid level in the tray. An etching fixture may be disposed in the tray for etching cutting inserts. The etching fixture has a body which holds a cutting insert to expose the cutting insert for etching.
Support Fixture And Cap For The Acid Etching Of Pcd Cutting Inserts
A fixture for etching PCD drill inserts is provided. The fixture system includes an etching fixture having a body with a generally cylindrical top section, a bore through the body allowing a cylindrical cutting insert to be placed into the body and to extend partially out of the bore, and a sealing element disposed adjacent an end of the bore to seal against a cutting insert which is inserted into the bore. The fixture system also includes a cap disposed over the top section of the body which extends around the outside of the top section of the etching fixture body and engages the outside of the top section of the body to seal against the body and seal the first end of the bore.
Support Fixture For Acid Etching Pcd Cutting Inserts
A fixture for etching PCD drill inserts is provided. The fixture design allows the fixture to be injection molded, significantly reducing costs and allowing the fixture to be disposed of after a single use. The fixture allows for faster use and more accurate etching of the PCD insert.
MesaSenior Mortgage Planner at Security Mortgage Corpo... I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors... I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in the industry.
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