Abstract: The invention relates, among other things, to methods and non-transitory computer-readable medium that include inputting data representing consumption levels into the memory, wherein a value of the consumption levels represents required consumption C1, inputting data representing returns of each asset class into the memory, performing stochastic dynamic programming in the processors using the data representing the returns of each asset class and values of a utility function U based on the consumption levels to compute values of aggregate utility of wealth, storing the values of the aggregate utility of wealth in the memory, computing local searches in the processors of the values of aggregate utility of wealth over an asset allocation and consumption space to compute optimal asset allocation and optimal consumption, storing the optimal asset allocation and optimal consumption in the memory, and outputting the optimal asset allocation and the optimal consumption value for an initial age and wealth.

Abstract: According to the described embodiments, an intermediate electronic messaging service is inserted into a message delivery path connecting to an e-mail entity such as an ISP. A database is provided in the intermediate service, the database having user profiles associated with the users of the ISP or other e-mail entity. The intermediate service receives email message over the electronic message delivery path into which it has been inserted, where the e-mail messages comprise at least content and IP routing information. Within the intermediate service, at least one of the content and the IP routing information of the received e-mail message is examined, and the e-mail message is then delivered to a destination based on the examination and in accordance with a user profile in the database in the intermediate service.

Abstract: This disclosure provides for a unified, centralized, preprocessing electronic messaging solution that performs value-added tasks to electronic messages on behalf of the ISP or the end user, before these messages are delivered to the destination e-mail server. The service can detect and detain damaging or unwanted messages, such as spam, viruses or other junk e-mail messages, and route electronic messages from various sources covering a variety of topics to wired and wireless destinations, apart from the intended recipient e-mail address, in various formats. In some embodiments, the electronic messaging solution provides a stored user profile, associated with a user to whom an e-mail message is addressed, that has detection parameters for processing e-mail message data. In such embodiments, a processor is also provided for processing the e-mail message data to identify suspect e-mail messages according to the detection parameters in the user profile.

Abstract: Disclosed are methods of managing the delivery, including in certain cases the blocking, of electronic messages based at least in part on an electronic message's IP routing information. Also disclosed are methods of managing electronic messages with an intermediate service and the quarantining and user management of quarantined electronic messages and user profiles for the electronic massaging delivery parameters.

Abstract: This disclosure provides for a unified, centralized, preprocessing electronic messaging solution that performs value-added tasks to electronic messages on behalf of the ISP or the end user, before these messages are delivered to the destination e-mail server. The service can detect and detain damaging or unwanted messages, such as spam, viruses or other junk e-mail messages, and route electronic messages from various sources covering a variety of topics to wired and wireless destinations, apart from the intended recipient e-mail address, in various formats. In some embodiments, the electronic messaging solution provides a stored user profile, associated with a user to whom an e-mail message is addressed, that has detection parameters for processing e-mail message data. In such embodiments, a processor is also provided for processing the e-mail message data to identify suspect e-mail messages according to the detection parameters in the user profile.

Abstract: The present invention provides for a centralized, preprocessing electronic messaging solution that performs value-added tasks to electronic messages on behalf of the ISP or the end user, before these messages are delivered to the destination email server. The service can detect and detain damaging or unwanted messages, such as spam, viruses or other junk email messages, and route electronic messages from various sources covering a variety of topics to wired and wireless destinations, apart from the intended recipient email address, in various formats.