Robert R Robbins

US Patent:

41942426, Mar 18, 1980

Filed:

Sep 22, 1976

Appl. No.:

5/725535

Inventors:

Robert Robbins - Atlanta GA

International Classification:

G06F 1300

US Classification:

364200

Abstract:

A method and a system are provided wherein an interest rate fluctuates according to the ratio of a borrower's funds on deposit with the lender, to the borrower's outstanding indebtedness (or to the outstanding indebtedness combined with line of credit) at any time, and for the duration of a selected period of time. The ratio of the borrower's funds on deposit with the lender, to the borrower's loan balance (or to the borrower's loan balance combined with line of credit), forms a Compensating Balance. This method and system provide for each individual lender to set a "par point", which is the Compensating Balance required by the lender in order for the borrower to qualify for a pre-determined interest rate. The interest rate of the loan automatically fluctuates inversely to the fluctuation of the borrower's Compensating Balance from the "par point". As the Compensating Balance increases, the interest rate decreases, and as the Compensating Balance decreases, the interest rate increases.

US Patent:

40867196, May 2, 1978

Filed:

Apr 19, 1976

Appl. No.:

5/678118

Inventors:

Robert Robbins - Atlanta GA

International Classification:

A01K 9500

US Classification:

43 449

Abstract:

A thin, elongated and wide fishing sinker is disclosed which secures itself along the bottom of moving bodies of water and sustantially fully within the boundary-layer zone adjacent the bottom.