Abstract: A nozzle for water jet equipment and a method of use thereof. The nozzle has a body including a base with a shaft extending outwardly therefrom. The shaft is inserted through a bore of a sleeve that rotatable about the shaft. The base and shaft define a bore therein. At least one opening is defined in the shaft and one or more grooves are milled into the shaft's exterior surface. Each opening places the body's bore in fluid communication with one of the grooves and the sleeve's bore. Water flowing through the body's bore will flow through each opening, into the associated groove and into a space between the shaft and sleeve. The shaft terminates in a conical section usable as a battering ram to break up blockages in pipes during cleaning operations.

Abstract: A hand held guide for use with a cue stick for aiding a user to establish a straight and smooth stroke. The user holds the elongated cylindrical support handle firmly, the cue stick glides through the transparent tube, the base plate swivels so that the player can line up his/her shot in order to achieve a perfect shot each time.

Abstract: A method of identifying a mortgage interest rate is provided that allows a user to identify, using a computing device processor, a more precise interest rate for a mortgage given limited information. In an embodiment, the method allows the user to identify the interest rate given only the original balance, the loan term, and two consecutive balances. The method provides for iterative comparisons between principle and interest (PAI) amounts calculated using different methods. When the two PAI amounts are about equal, the interest rate used to calculate both PAI amounts is the interest rate of the mortgage. The method utilizes constants derived based on the PAI amount to amortize a predetermined amount, such as $1, over the loan term of the mortgage. A method of offering refinancing using the interest rates determined by the method is also provided.