Abstract: To address the challenges of managing the cash flow of an individual, the present solution provides for an efficient and automated Recommended Spend Evaluator tool. In an industrialized market where individuals make numerous purchases on a daily bases, while simultaneously incurring and managing dozens of bills and expenses, the systems and methods of the Recommended Spend Evaluator of the present solution enables individuals to seamlessly and efficiently plan their budget, monitor their progress, and enforce their expense budget.

Abstract: To address the challenges of managing the cash flow of a household, the present solution provides for an efficient and automated cash flow management tool. In an industrialized market where households incur and manage dozens of bills and expenses, the systems and methods of the Cash Flow Management system (“CFM”) of the present solution enables households to seamlessly and efficiently plan their budget, pay their bills, enforce their expense budget, save for custom planned goals and realize their financial plans all from one account. The methodology of the CFM allows a household to holistically plan, execute, manage and track in real-time their cash flow across pay, spend and save sub-accounts within the same financial or bank account.

Abstract: To address the challenges of managing the cash flow of an individual, the present solution provides for an efficient and automated Recommended Spend Evaluator tool. In an industrialized market where individuals make numerous purchases on a daily bases, while simultaneously incurring and managing dozens of bills and expenses, the systems and methods of the Recommended Spend Evaluator of the present solution enables individuals to seamlessly and efficiently plan their budget, monitor their progress, and enforce their expense budget.

Abstract: To address the challenges of managing the cash flow of a household, the present solution provides for an efficient and automated cash flow management tool. In an industrialized market where households incur and manage dozens of bills and expenses, the systems and methods of the Cash Flow Management system (“CFM”) of the present solution enables households to seamlessly and efficiently plan their budget, pay their bills, enforce their expense budget, save for custom planned goals and realize their financial plans all from one account. The methodology of the CFM allows a household to holistically plan, execute, manage and track in real-time their cash flow across pay, spend and save sub-accounts within the same financial or bank account.

Abstract: A head restraint (20) having a front surface (22) for supporting the head of the occupant seated on the seat assembly (10) is pivotally coupled to the upper portion (15) of the seat back (12) and moveable relative to the seat back between a plurality of angled head supporting positions (A) and a forwardly folded stowed position (B) defined by the front surface (22) of the head restraint (20) being generally perpendicular to the front surface (17) of the seat back (12). The seat assembly further includes a mechanism operatively interconnecting the head restraint to the seat back for providing automatic and continuous pivotal movement of the head restraint between one of the head supporting positions and the stowed position in response to pivotal adjustment of the seat back between one of the reclined seating positions and the forwardly folded positions.

Abstract: A seat track assembly for a seat of a motor vehicle having a floor and an airbag. The seat track assembly includes a stationary rail fixedly secured to the floor. The seat track assembly also includes a movable rail fixedly secured to the seat and slidably engaged with the stationary rail to move the seat therealong. The movable rail extends along a length between a forward position and a rearward position. A shunt defining an elongated body extends along a portion of the length of the movable rail. A sensor is fixedly secured to the stationary rail and disposed adjacent the shunt to produce a position signal indicating a position of the sensor relative to the shunt. The sensor and the shunt are disposed within the stationary and movable rails to be protected thereby.

Abstract: An insurance product and business method incorporating the product is disclosed. The product is designed to be coupled to a court ordered or administered payment or repayment plan, where the product includes at least a life insurance component, an unemployment component, and a disability component where the benefits of each component, once activated, are paid to a person or agency administering the plan. Once the plan is complete, the insurance product would terminate. Premiums, which are bundled into the plan payments, can either be fixed, variable, or scaled. The insurance product and business method is ideally suited for use in Chapter 13 Reorganization Plans administered by a court and overseen by a bankruptcy trustee.

Abstract: A seat assembly for use in an automotive vehicle comprises a generally horizontal seat cushion for supporting a seat occupant on the seat assembly and a seat back (36) pivotally connected to the seat cushion by a recliner (38) for pivotal movement between a generally upright position and a fully reclined position relative to the seat cushion. The seat assembly includes a head restraint (26) pivotally coupled to the seat back for pivotal movement between a normal position when the seat back is in the upright position and a forward angled position relative to the seat back when the seat back is in the fully reclined position to support the seat occupant's head. An adjustment mechanism comprises a guide plate (90) slidably coupled to the seat back for pivoting the head restraint between the normal position and the forward angled position.

Abstract: A coffee brewer with means for dispensing controlled quantities of hot water comprising well known coffee brewing means including a main water tank having a heater therein, means for introducing water to the tank and a discharge conduit for passing coffee brewing water from the tank wherein there is provided a separate and preferably removable, closed water bottle mounted for gravity feed of water to the tank, a discharge conduit connecting the bottle to the tank, the normal operational position of the end of which proximal to the tank being located such that water normally covers it before water in the tank reaches a level sufficient to pass through the conduit for discharging brewing water, a separate, valve controlled single-cup water discharge spigot connected to the tank beneath the level in the tank of the end of the conduit connecting the bottle with the tank, a valve normally blocking the gravitational discharge of water from the bottle and valve actuating means which open the valve when the bottle is

Abstract: A coffee brewer with means for dispensing controlled quantities of hot water comprising a water tank, means for heating the water in the tank, water inlet means connected to the tank, a water discharge siphon connected at one end to the tank, the opposite end of the siphon being at a level beneath the first said end thereof, a water reservoir, a supply conduit connecting the reservoir to the water tank, the end of the supply conduit in the tank being positioned beneath the level of the end of the siphon in the tank, the said reservoir being closed except for said supply conduit and being positioned for gravity discharge into said water tank, a water discharge conduit connected at one end to the tank beneath the level of the end of said supply conduit therein, and valve means in the said discharge conduit.

Abstract: A metering valve, preferably electromagnetically actuatable, for the successive delivery of precisely measured volumes of fluid irrespective of inlet fluid pressure, including a valve core, slidably mounted in a cavity in the valve body, the top of the core closing a normally open fluid inlet when the core is moved to an uppermost position, and the bottom of the core closing a fluid discharge outlet when in its normal lowermost position, the volume of fluid discharged being the volumetric difference between the volume of the cavity and the volumetric displacement of the core.