Abstract: A computer implemented method and system that implements a benefit product that provides a guaranteed income amount for a participant, the benefit product generates the guaranteed income amount by participating in a plurality of guaranteed income products (GI products). The system may comprise: (1) an income aggregator portion; (2) a savings recordkeeper portion that maintains an investment account associated with the benefit product, the investment account into which the payments to the benefit product pass; and (3) at least one income recordkeeper portion, each income recordkeeper portion administering one or more GI products, each income recordkeeper portion: determining, based on an attributable allocation to a particular GI product, a guaranteed income associated with such particular GI product, each guaranteed income being an amount, attributable to the particular GI product, that is payable to a participant.

Abstract: A computer implemented method and system that implements a benefit product that provides a guaranteed income amount for a participant, the benefit product generates the guaranteed income amount by participating in a plurality of guaranteed income products (GI products). The system may comprise: (1) an income aggregator portion; (2) a savings recordkeeper portion that maintains an investment account associated with the benefit product, the investment account into which the payments to the benefit product pass; and (3) at least one income recordkeeper portion, each income recordkeeper portion administering one or more GI products, each income recordkeeper portion: determining, based on an attributable allocation to a particular GI product, a guaranteed income associated with such particular GI product, each guaranteed income being an amount, attributable to the particular GI product, that is payable to a participant.

Abstract: A golf utility tool that may be attachable to a golf club. The golf utility tool may include a clip that may be used to clip to a putter. The golf utility tool may further include a divot tool prong and a ball marker that is removably attached. The golf utility tool may further include a loop cutout for carrying other devices, such as a towel.

Abstract: A golf utility tool that may be attachable to a golf club. The golf utility tool may include a clip that may be used to clip to a putter. The golf utility tool may further include a divot tool prong and a ball marker that is removably attached. The golf utility tool may further include a loop cutout for carrying other devices, such as a towel.

Abstract: A system and method for providing a user with a plurality of guaranteed minimum retirement income payments is disclosed. The system comprises a variable immediate annuity module to receive an income generating payment and to output a guaranteed minimum retirement income payment amount wherein the periodic retirement income payment amount is greater than, equal to, or less than a guaranteed minimum periodic retirement income payment amount if the income generating payments received are received according to a predetermined payment schedule, and wherein the predetermined guaranteed minimum periodic retirement income payment amount is defined by the user.

Abstract: A computer implemented method and system that implements a benefit product that provides a guaranteed income amount for a participant, the benefit product generates the guaranteed income amount by participating in a plurality of guaranteed income products (GI products). The system may comprise: (1) an income aggregator portion; (2) a savings recordkeeper portion that maintains an investment account associated with the benefit product, the investment account into which the payments to the benefit product pass; and (3) at least one income recordkeeper portion, each income recordkeeper portion administering one or more GI products, each income recordkeeper portion: determining, based on an attributable allocation to a particular GI product, a guaranteed income associated with such particular GI product, each guaranteed income being an amount, attributable to the particular GI product, that is payable to a participant.

Abstract: The present invention is directed to a system for managing business knowledge expressed as statements, preferably sentences using a vocabulary, where such statements may be automated by the generation of programming language source code or computer program instructions. As such, the present invention also manages software design specifications that define, describe, or constrain the programming code it generates or programs with which it or the code it generates is to integrate. All information managed within the present invention is maintained within a relational database that is encapsulated within an object-oriented model. Each object in this model is subject to version control and administration using permissions. Each user of the system is an object and belongs to one or more groups. Users and groups may be granted privileges. Objects may be created, examined, used, modified, deleted, or otherwise operated upon only if corresponding permission or privilege has been granted.

Abstract: A process and a system for providing a user with a plurality of periodic retirement income payments is disclosed. The process comprises the steps of receiving an input including two of a retirement date, a minimum retirement income amount and a defined premium payment amount for payment over a plurality of preset payment intervals. The process also includes the steps of calculating the other one of the retirement date, the minimum retirement income amount and the defined premium payment amount for an accumulation period defined by the retirement date and a current age of the user; receiving a premium payment amount from the user during the accumulation period; investing the received premium payment amount in an account in a manner consistent with one or more predefined objectives during the accumulation period to realize a retirement income amount.

Abstract: A process and a system for providing a user with a plurality of periodic retirement income payments is disclosed. The process comprises the steps of receiving an input including two of a retirement date, a minimum retirement income amount and a defined premium payment amount for payment over a plurality of preset payment intervals. The process also includes the steps of calculating the other one of the retirement date, the minimum retirement income amount and the defined premium payment amount for an accumulation period defined by the retirement date and a current age of the user; receiving a premium payment amount from the user during the accumulation period; investing the received premium payment amount in an account in a manner consistent with one or more predefined objectives during the accumulation period to realize a retirement income amount.

Abstract: The present invention is directed to a system for managing business knowledge expressed as statements, preferably sentences using a vocabulary, where such statements may be automated by the generation of programming language source code or computer program instructions. As such, the present invention also manages software design specifications that define, describe, or constrain the programming code it generates or programs with which it or the code it generates is to integrate. The present invention facilitates the creation of composite sentences. In one embodiment, the present invention also interprets a composite sentence as a logical formula in first order predicate calculus or similar logic formalism supporting conjunction, disjunction, and negation as well as existentially and universally quantified variables. The invention further interprets natural language, including singular common count noun phrases and connectives, as variables in formal logic.

Abstract: A process for cross funding of multiple annuity contracts is provided wherein a funding annuity contract is used to fund another annuity contract. The funding annuity contract may be used to transfer funds to the another annuity contract in multiple transfers.

Abstract: The present invention is directed to a system for managing business knowledge expressed as statements, preferably sentences using a vocabulary, where such statements may be automated by the generation of programming language source code or computer program instructions. As such, the present invention also manages software design specifications that define, describe, or constrain the programming code it generates or programs with which it or the code it generates is to integrate. All information managed within the present invention is maintained within a relational database that is encapsulated within an object-oriented model. Each object in this model is subject to version control and administration using permissions. Each user of the system is an object and belongs to one or more groups. Users and groups may be granted privileges. Objects may be created, examined, used, modified, deleted, or otherwise operated upon only if corresponding permission or privilege has been granted.

Abstract: A system and method for providing a user with a plurality of guaranteed minimum retirement income payments is disclosed. The system comprises a variable immediate annuity module to receive an income generating payment and to output a guaranteed minimum retirement income payment amount wherein the periodic retirement income payment amount is greater than, equal to, or less than a guaranteed minimum periodic retirement income payment amount if the income generating payments received are received according to a predetermined payment schedule, and wherein the predetermined guaranteed minimum periodic retirement income payment amount is defined by the user.

Abstract: A process and a system for providing a user with a plurality of periodic retirement income payments is disclosed. The process comprises the steps of receiving an input including two of a retirement date, a minimum retirement income amount and a defined premium payment amount for payment over a plurality of preset payment intervals. The process also includes the steps of calculating the other one of the retirement date, the minimum retirement income amount and the defined premium payment amount for an accumulation period defined by the retirement date and a current age of the user; receiving a premium payment amount from the user during the accumulation period; investing the received premium payment amount in an account in a manner consistent with one or more predefined objectives during the accumulation period to realize a retirement income amount.