Abstract: The invention is in the field of using a computer to provide automated investment allocation advice, selection of investment securities, customization of the automated advice, execution of investment securities, maintenance/monitoring of investment portfolios and rebalancing of investment portfolios. A user is connected to the Internet. The user connects to the portfolio management program (PMP) host computer through the Internet. The user completes a questionnaire that the PMP uses to generate a suitable investment allocation and specific portfolio strategy recommendation. The user reviews the strategy and specific information about the strategy. The information is transmitted across the Internet to the user. The information transmitted includes historic and/or hypothetical performance, historical and/or hypothetical holdings, current securities selections of the strategy, and a description of the strategy's selection methodology.

Abstract: The present invention comprises a Behavior (201) based M2M platform having a combination of hardware and software that connects an active global network of devices, sensors, and actuators. The present invention uses Behavior (201) composition, transmission and sequencing to avoid the need for direct programming. The Behavior (201) concept refers to the use of at least one stimulus-response pair. A self-contained message is an example of a stimulus (such as a telemetry reading, alarm and the like), for a Behavior (201) created by a user, such as an end-user.