Patent application number | Description | Published |
20100262534 | Web-based home-loan modification assessment system - The web-based home-loan modification assessment system is for use in preparing a detailed financial statement of borrower's income and expenses that the lender uses in making an informed determination on whether or not to modify the borrower's mortgage agreement. The system comprises a website, a data input device, and a processor. The website is easily found on the Internet using common search engines. The website is specifically designed to streamline the information gathering process. The data input device can be a keypad, a pda, or a phone. The borrower submits answers online to the user-friendly questionnaire through the website about his current financial status and his mortgage agreement with the lender. Once the personal data has been submitted, a processor associated organizes the personal data into a request form for a loan modification. The website processor determines the amount that the borrower is able to afford using either a front end debt-to-income ratio, or back end debt-to-income ratio. The net present value of the real property is then calculated, the net present value being a function of net proceeds the lender receives from the real property if the borrower defaults. The request form is then submitted to the borrower for review and approval in real time. If the calculations support modifying the mortgage agreement, the information is submitted to the lender for review and consideration. | 10-14-2010 |
20100299245 | Web-based home-loan assessment system and mortgage brokerage service - “The web-based home-loan modification assessment system prepares a detailed financial statement of borrower's income and expenses that the lender uses in determining whether or not to modify the borrower's mortgage agreement. The website is designed to streamline the information gathering process. The data input device can be a keypad, a pda, or a phone. The borrower answers questions about his current financial status. Once submitted, the personal data is organized into a request form for a loan modification. The processor determines the amount that the borrower is able to afford using either a front end debt-to-income ratio, or back end debt-to-income ratio. The net present value of the real property is then calculated. The request form is then submitted to the borrower for review and approval in real time. If the calculations support modifying the mortgage agreement, the information is submitted to the lender for consideration.” | 11-25-2010 |
20100306100 | Web-based home-loan modification assessment method - The web-based home-loan assessment system and mortgage brokerage service is for use in preparing a detailed financial statement of borrower's income and expenses that the lender uses in making an informed determination on whether or not to modify the borrower's mortgage agreement. The system comprises a website, a data input device, and a processor. The website is easily found on the Internet using common search engines. The website is specifically designed to streamline the information gathering process. The data input device can be a keypad, a pda, or a phone. The borrower submits answers online to the user-friendly questionnaire through the website about his current financial status and his mortgage agreement with the lender. Once the personal data has been submitted, a processor associated organizes the personal data into a request form for a loan modification. The website processor determines the amount that the borrower is able to afford using either a front end debt-to-income ratio, or back end debt-to-income ratio. The net present value of the real property is then calculated, the net present value being a function of net proceeds the lender receives from the real property if the borrower defaults. The request form is then submitted to the borrower for review and approval in real time. If the calculations support modifying the mortgage agreement, the information is submitted to the lender for review and consideration. The web-based home-loan modification system also preferably includes a web-based mortgage brokerage service that enables personal data to be submitted and organized for subsequent consideration for application to a mortgage broker or lender to qualify for a mortgage on a second real property, said mortgage application being submitted for review by said user in real time. The web-based home-loan modification system also includes a rental assessment service enabling the user to conduct a market analysis via the website of selected rental properties in a selected community in real time. | 12-02-2010 |
Patent application number | Description | Published |
20110053699 | REMOVABLY ATTACHABLE PUTTING AID AND METHOD OF USE - Attachable systems and methods allow a golfer to ‘zero in’ on the desired striking zone or “sweet spot” of a club, including putters and non-putters. One or more guides are positionable relative to the desired striking zone, such that if a golf ball interacts with a guide during a swing, the guide provides aural or tactile feedback that the club has hit the ball outside of the desired striking zone. The device may include at least two guides, one positionable on one side of the desired striking zone and the other positionable on the other side of the desired striking zone. The device may comprise guides in the form of a tab or leaf pivotable from an up position when not in use to a down position for use. If the club head has a back side, a portion of the device may contact with the back side. In particular, if the club is an iron with a rear cavity on the club head, a portion of the device may be received in the cavity to enhance stability, particularly during a swing. Training methods are also disclosed. | 03-03-2011 |
20120227159 | SWEATBAND WITH CONVERTIBLE VISOR - A head-worn article having a band portion and a visor portion is composed at least in part of the same absorbent material such as terrycloth. The band portion, being adapted to encircle the head of a wearer above the eyes, features an inner surface and an outer surface assuming a generally round or oval shape defining a periphery when worn. The visor portion is attached to the band portion along a line spanning at least one-quarter of the outer surface of the band, thereby creating an arc-shaped line of attachment, whereby the visor portion assumes two stable states, those being a flipped-up state and a flipped-down state. In the preferred embodiment, the forward extent of the visor in the flipped-down state does not extend above the top edge of the band portion in the flipped-up state. | 09-13-2012 |
20130123035 | REMOVABLY ATTACHABLE GOLF TRAINING AIDS AND METHODS OF USE - Attachable systems and methods allow a golfer to ‘zero in’ on the desired striking zone or “sweet spot” of a club, including putters and non-putters. One or more guides are positionable relative to the desired striking zone, such that if a golf ball interacts with a guide during a swing, the guide provides aural or tactile feedback that the club has hit the ball outside of the desired striking zone. The device may include at least two guides, one positionable on one side of the desired striking zone and the other positionable on the other side of the desired striking zone. The device may comprise guides in the form of a tab or leaf pivotable from an up position when not in use to a down position for use. If the club head has a back side, a portion of the device may contact with the back side. | 05-16-2013 |
Patent application number | Description | Published |
20090203077 | METHOD OF PRODUCING FACTOR VIII PROTEINS BY RECOMBINANT METHODS - Provided herein are methods and compositions for producing Factor VIII proteins. Such methods include introducing into a cell a nucleic acid molecule encoding a Factor VIII protein operably linked to a promoter, wherein the promoter is characterized by the ability to produce commercially viable Factor VIII protein; and incubating the cell under conditions for producing commercially viable Factor VIII protein. Also provided are nucleic acid molecules which encode a Factor VIII protein operably linked to a Chinese hamster elongation factor 1-α (CHEF1) promoter, which may be used in the methods provided herein. | 08-13-2009 |
20110039302 | Method of Producing Factor VIII Proteins by Recombinant Methods - Provided herein are methods and compositions for producing Factor VIII proteins. Such methods include introducing into a cell a nucleic acid molecule encoding a Factor VIII protein operably linked to a promoter, wherein the promoter is characterized by the ability to produce commercially viable Factor VIII protein; and incubating the cell under conditions for producing commercially viable Factor VIII protein. Also provided are nucleic acid molecules which encode a Factor VIII protein operably linked to a Chinese hamster elongation factor 1-α (CHEF1) promoter, which may be used in the methods provided herein. | 02-17-2011 |
20110207801 | Novel Genes, Compositions, and Methods for Modulating the Unfolded Protein Response - The present invention relates to methods and compositions for modulating the unfolded protein response. The method further relates to methods and compositions for the treatment and diagnosis of protein conformational diseases or disorders, including, but not limited to, α1-antitrypsin deficiency, cystic fibrosis, and autoimmune diseases and disorders. The invention further provides methods for modulating the unfolded protein response by modulating XBP1 mRNA splicing. | 08-25-2011 |
20120028900 | METHOD OF PRODUCING FACTOR VIII PROTEINS BY RECOMBINANT METHODS - Provided herein are methods and compositions for producing Factor VIII proteins. Such methods include introducing into a cell a nucleic acid molecule encoding a Factor VIII protein operably linked to a promoter, wherein the promoter is characterized by the ability to produce commercially viable Factor VIII protein; and incubating the cell under conditions for producing commercially viable Factor VIII protein. Also provided are nucleic acid molecules which encode a Factor VIII protein operably linked to a Chinese hamster elongation factor 1-α (CHEF1) promoter, which may be used in the methods provided herein. | 02-02-2012 |
20120190623 | Inactivation Resistant Factor VIII - The present invention provides novel purified and isolated nucleic acid sequences encoding procoagulant-active FVIII proteins. The nucleic acid sequences of the present invention encode amino acid sequences corresponding to known human FVIII sequences, wherein residue Phe309 is mutated. The nucleic acid sequences of the present invention also encode amino acid sequences corresponding to known human FVIII sequences, wherein the APC cleavage sites, Arg336 and Ile562, are mutated. The nucleic acid sequences of the present invention further encode amino acid sequences corresponding to known human FVIII sequences, wherein the B-domain is deleted, the von Willebrand factor binding site is deleted, a thrombin cleavage site is mutated, an amino acid sequence spacer is inserted between the A2- and A3-domains. Methods of producing the FVIII proteins of the invention, nucleotide sequences encoding such proteins, pharmaceutical compositions containing the nucleotide sequences or proteins, as well as methods of treating patients suffering from hemophilia, are also provided. | 07-26-2012 |