Abstract: Systems and methods of an online secured loan manager (“OSLM system”) that facilitates a sponsor network secured lending transaction. The OSLM system allows divided sponsoring and divided lending to create and provide a secured loan product having reduced risk and lower interest rate than an unsecured loan product. The OSLM system processes a loan request from a borrower by creating a sponsor network for the borrower using the borrower's social connections. The sponsor network provides collateral pledges that are used to secure the loan for the borrower. The OSLM system further facilitates funding of the secured loan by matching the secured loan to a lender.

Abstract: A method, computer program product, and system are disclosed. The method comprises receiving a selection of a first object. The first object is associated with a value, and receiving the first object is controlled by one or more parameters. The first object is used to select a second object, thereby affecting the state of the first object. The second object is obtained using the first object. An effect the obtaining of the second object has on the first object is determined, and the value associated with the first object is revised based on the effect.

Abstract: Investment return on a liquid or illiquid asset is increased by granting the right to pledge the asset to an entity that can deploy the asset more efficiently than its owner. Using the committed assets—and the resulting ability of the entity to pledge those assets and borrow capital at advantageous rates—the entity can transact for greater profits than the asset owner could otherwise earn. The entity's credit rating may be based, at least in part, on a third-party guarantee of the asset's value. The credit rating may also be based on other characteristics of the entity. The entity may obtain pledges of multiple assets from multiple owners, all of whom share in the profits of the transactions. If there are losses, the pledged assets can be sold, or the owners can contribute to the entity to pay off the losses.

Abstract: Investment return on a liquid or illiquid asset is increased by granting the right to pledge the asset to an entity that can deploy the asset more efficiently than its owner. Using the committed assets—and the resulting ability of the entity to pledge those assets and borrow capital at advantageous rates—the entity can transact for greater profits than the asset owner could otherwise earn. The entity's credit rating may be based, at least in part, on a third-party guarantee of the asset's value. The credit rating may also be based on other characteristics of the entity. The entity may obtain pledges of multiple assets from multiple owners, all of whom share in the profits of the transactions. If there are losses, the pledged assets can be sold, or the owners can contribute to the entity to pay off the losses.

Abstract: A centralized collateral management operation system that includes a collateral management system (CMS) provider linked to a trading group—a plurality of users (e.g., individuals, corporations, financial institutions, and the like). The method allows the CMS provider to dynamically determine anticipatory collateral value and mark to market (MTM) collateral obligations for each of the users' sub-portfolios. The provider is then able to notify each of the users of their MTM and anticipatory collateral obligations for their respective sub-portfolios, and issue “Collateral Credits.” The Collateral Credits allow the CMS provider to efficiently allocate the amount of collateral posted by each member of the trading group to protect against present losses and potential future losses due to the inability of the user to meet its obligations. The system provides equivalent collateral protection as a fully collateralized bilateral system while decreasing individual collateral requirements.

Abstract: A hand-held portable wet/dry vacuum comprising a cleaning fluid tank, a motor housing and a dirty fluid tank. The cleaning fluid tank is selectively mounted on the motor housing. A siphon, which is controlled by an actuator, is located in the cleaning fluid tank. The dirty fluid tank is selectively mounted on the motor housing in spaced relation to the cleaning fluid tank. The motor housing houses an air driven turbine and a suction fan and motor assembly. A suction nozzle is located at a first end of the wet/dry vacuum. An air passageway extends from the suction nozzle to the suction fan and motor. The turbine communicates with the air passageway. The housing further comprises at least one air inlet to allow air to pass to the turbine. A brush is operably connected to the turbine via a gear train. A rotational axis of the brush is angled so that a portion of the brush contacts a surface to be cleaned.