Abstract: A reflective particulate material includes a particulate substrate having high total solar reflectance, bulk and apparent densities and toughness, and a low dust index. The reflective particulate can have a total solar reflectance of 80% to 87%, a toughness of 1% or fewer fines, an apparent density of 2.75 g/cm3 or greater, and a dust index of 1 or lower. A method of manufacturing the reflective particulate material includes preparing a slurry of the particulate substrate, spray drying the slurry to form a spray dried particulate, crushing the spray dried particulate to form a crushed particulate, and heating/calcining the crushed particulate. The heated, crushed particulate may further be coated to form a coated roofing granule.

Abstract: A method comprising navigating to a first investment interface publishing a first particular loan opportunity among different loan opportunities, the loan opportunity being based on first loan terms and first property information, receiving different loan opportunities based on the first query, providing a selection of the first particular loan opportunity, receiving details of the first particular loan opportunity, providing a first commitment from the first investor system to partially fund a first partial funding of a loan amount associated with the first particular loan opportunity, a second commitment from the second investor system being already provided to the investment system to partially fund a second partial funding, receiving an indication that a first loan is to be provided to the first property owner when the loan amount is completely funded, and receiving distributions, every day, of daily returns by the first investor.

Abstract: A method comprising: receiving two or more user identifiers and a request to establish a messaging group, each user identifier being associated with a different user device with a different instance of a messaging application on the respective different user device; establishing the messaging group to enable communication between the different user devices; receiving a plurality of messages; routing the plurality of messages to the respective different instances of the messaging application; receiving a request to add a new member to the messaging group, the request including identity information of the new member and insertion information, the messaging group being associated with a thread of message history; determining an insertion point in the thread of message history; adding the new member to the messaging group to enable the new member to communicate with other members of the messaging group and to see messages up to the insertion point.

Abstract: A method comprising: receiving two or more user identifiers and a request to establish a messaging group, each user identifier being associated with a different user device with a different instance of a messaging application on the respective different user device; establishing the messaging group to enable communication between the different user devices; receiving a plurality of messages; routing the plurality of messages to the respective different instances of the messaging application; receiving a request to add a new member to the messaging group, the request including identity information of the new member and insertion information, the messaging group being associated with a thread of message history; determining an insertion point in the thread of message history; adding the new member to the messaging group to enable the new member to communicate with other members of the messaging group and to see messages up to the insertion point.

Abstract: A cushion for an ice chest with integrated solar panels designed to be used as an auxiliary power source. The cushion includes a first solar module, a second solar module, a cushion par, and an attachment mechanism. The first solar module and the second solar module each include a structural panel and a plurality of solar cells. The solar cells are distributed about a first surface of the structural panel. The first solar module and the second solar module are laterally and hingedly attached to each other to allow for a closed and open configuration. The cushion pad is adjacently connected to the structural panel of the second solar module, opposite the solar cells of the second solar module, to act as a seat. The attachment mechanism is adjacently mounted to the structural panel of the first solar module for attachment to a lid of the ice chest.

Abstract: A method comprising navigating to a first investment interface publishing a first particular loan opportunity among different loan opportunities, the loan opportunity being based on first loan terms and first property information, receiving different loan opportunities based on the first query, providing a selection of the first particular loan opportunity, receiving details of the first particular loan opportunity, providing a first commitment from the first investor system to partially fund a first partial funding of a loan amount associated with the first particular loan opportunity, a second commitment from the second investor system being already provided to the investment system to partially fund a second partial funding, receiving an indication that a first loan is to be provided to the first property owner when the loan amount is completely funded, and receiving distributions, every day, of daily returns by the first investor.

Abstract: A non-contact voltage and ground detector allows a user to easily analyze the ground or neutral port of an electrical component. The detector includes a tubular body, a metal probe, a power source, a ground-and-neutral detector mechanism, and a non-contact voltage device. The metal probe is concentrically and terminally mounted to the tubular body and acts as the physical engaging element. The power source provides the electrical energy for the detector and is mounted within the tubular body. The ground-and-neutral detector mechanism in conjunction with the metal probe set up an open circuit. The ground-and-neutral detector registers the quality of a ground or neutral when the metal probe with an external electrical element. The non-contact voltage device measures changes in magnetic fields about an electrical component to identify the presence of voltage within the electrical component.

Abstract: An atmospheric water generator utilizing centrifugal hydraulic air compressor is for harvesting water from the atmosphere. The purpose of atmospheric water generator utilizing centrifugal hydraulic air compressor is to provide potable water. The atmospheric generator utilizing centrifugal hydraulic air compressor includes a housing having a reservoir, a plurality of centrifugal discs, drive components, water pump, heat exchangers, and air filters. The housing reservoir further includes an indication device to determine the water level in device. The centrifugal discs can utilize centripetal forces to hydraulically compress the air, with water, to harvest the water from the atmosphere. The drive components further comprise a hollow shaft to direct the water to the centrifugal discs. In addition, the shape of the centrifugal disc utilizes the compressed air and water exiting the discs to help rotate the discs.

Abstract: A method comprising receiving, from a first property owner system by an investment system, a first loan request to be secured by first property and property information, receiving a first agreement to the first loan terms, publishing a first particular loan opportunity, the plurality of different loan opportunities being searchable through an interface provided by the investment system, providing different loan opportunities based on a query, in response to receiving selections of the first particular loan opportunity, providing details of the first particular loan opportunity, receiving a first commitment and a second commitment from the first and second investor system to fund the loan amount, enabling a first loan to the first user, distributing daily returns to the first investing entity and the second investing entity, and receiving first loan payments from the first user and distributing the daily returns from the first loan payments.

Abstract: A method comprising navigating to a first investment interface publishing a first particular loan opportunity among different loan opportunities, the loan opportunity being based on first loan terms and first property information, receiving different loan opportunities based on the first query, providing a selection of the first particular loan opportunity, receiving details of the first particular loan opportunity, providing a first commitment from the first investor system to partially fund a first partial funding of a loan amount associated with the first particular loan opportunity, a second commitment from the second investor system being already provided to the investment system to partially fund a second partial funding, receiving an indication that a first loan is to be provided to the first property owner when the loan amount is completely funded, and receiving distributions, every day, of daily returns by the first investor.

Abstract: A method comprising providing, by a first property owner system to an investment system, a first loan request to be secured by first property, receiving loan terms and an agreement, the loan terms being based on an assessment of first value of the first property, providing an indication of agreement, receiving an indication of publication of a particular loan opportunity among a plurality of different loan opportunities, receiving an indication that a loan based on the first loan terms has been funded by at least a first investor and a second investor, receiving a loan amount as indicated by the first loan terms, the investment system calculating and distributing daily returns to the first investor and the second investor based on their investment, prepaying a portion of the first loan amount, and receiving an indication that the first investor sold their investment in the loan to a third investor.

Abstract: A method comprising issuing and assigning investment units of a loan investment of a property to a first and second investor and a second investor that funded the loan, issuing and assigning investment units of a second loan investment of another property to a third and fourth investor and a fourth investor that funded the loan, the second loan investment being a second loan to a second property owner and secured by second property of the second property owner, listing the investment units on a transactional exchange, registering and authenticating a potential investor, receiving a purchase request to purchase a number of first investment units at a price, confirming the first investor's interest to sell, conducting a trade between the first and potential investor, determining a second price based, at least in part, on the trade, and updating the listing on the transactional exchange.

Abstract: A reflective particulate material includes a particulate substrate having high total solar reflectance, bulk and apparent densities and toughness, and a low dust index. The reflective particulate can have a total solar reflectance of 80% to 87%, a toughness of 1% or fewer fines, an apparent density of 2.75 g/cm3 or greater, and a dust index of 1 or lower. A method of manufacturing the reflective particulate material includes preparing a slurry of the particulate substrate, spray drying the slurry to form a spray dried particulate, crushing the spray dried particulate to form a crushed particulate, and heating/calcining the crushed particulate. The heated, crushed particulate may further be coated to form a coated roofing granule.

Abstract: A method comprising: receiving two or more user identifiers and a request to establish a messaging group, each user identifier being associated with a different user device with a different instance of a messaging application on the respective different user device; establishing the messaging group to enable communication between the different user devices; receiving a plurality of messages; routing the plurality of messages to the respective different instances of the messaging application; receiving a request to add a new member to the messaging group, the request including identity information of the new member and insertion information, the messaging group being associated with a thread of message history; determining an insertion point in the thread of message history; adding the new member to the messaging group to enable the new member to communicate with other members of the messaging group and to see messages up to the insertion point.

Abstract: A reflective particulate composition includes a particulate substrate, and an inorganic binder, a pigment, and a hydrophobic coating on the particulate substrate. The composition may have a solar reflectance of 70% or greater. The pigment may include a clay, and the hydrophobic coating may include a (meth)acrylic polymer, a coupling agent, a wax and an antioxidant. A method of making the composition may include mixing the pigment, the inorganic binder, a dispersant and water to form a pigment mixture, adding the particulate substrate to the pigment mixture, heat treating the pigmented particulate, and mixing the pigmented particulate with a hydrophobic coating composition. Alternatively, the method may include first mixing the particulate substrate with one of the inorganic binder or the pigment, and then mixing the resulting composition with the other of the inorganic binder and the pigment, and heat treating the pigmented particulate.

Abstract: A non-contact voltage and ground detector allows a user to easily analyze the ground or neutral port of an electrical component. The detector includes a tubular body, a metal probe, a power source, a ground-and-neutral detector mechanism, and a non-contact voltage device. The metal probe is concentrically and terminally mounted to the tubular body and acts as the physical engaging element. The power source provides the electrical energy for the detector and is mounted within the tubular body. The ground-and-neutral detector mechanism in conjunction with the metal probe set up an open circuit. The ground-and-neutral detector registers the quality of a ground or neutral when the metal probe with an external electrical element. The non-contact voltage device measures changes in magnetic fields about an electrical component to identify the presence of voltage within the electrical component.

Abstract: A cushion for an ice chest with integrated solar panels designed to be used as an auxiliary power source. The cushion includes a first solar module, a second solar module, a cushion par, and an attachment mechanism. The first solar module and the second solar module each include a structural panel and a plurality of solar cells. The solar cells are distributed about a first surface of the structural panel. The first solar module and the second solar module are laterally and hingedly attached to each other to allow for a closed and open configuration. The cushion pad is adjacently connected to the structural panel of the second solar module, opposite the solar cells of the second solar module, to act as a seat. The attachment mechanism is adjacently mounted to the structural panel of the first solar module for attachment to a lid of the ice chest.

Abstract: A reflective particulate composition includes a particulate mixture that includes a particulate substrate, a hardness enhancer and a pigment. The reflective particulate substrate has a hydrophobic coating on the particulate mixture. The composition may have a solar reflectance of 70% or greater. The pigment may include a clay, and the particulate substrate may include a feldspar. A method of making the composition may include mixing the particulate substrate, the hardness enhancer, and the pigment to form a particulate mixture, heat treating the particulate mixture, and coating the heat treated mixture with the hydrophobic coating.

Abstract: A reflective particulate composition includes a particulate substrate, and an inorganic binder, a pigment, and a hydrophobic coating on the particulate substrate. The composition may have a solar reflectance of 70% or greater. The pigment may include a clay, and the hydrophobic coating may include a (meth)acrylic polymer, a coupling agent, a wax and an antioxidant. A method of making the composition may include mixing the pigment, the inorganic binder, a dispersant and water to form a pigment mixture, adding the particulate substrate to the pigment mixture, heat treating the pigmented particulate, and mixing the pigmented particulate with a hydrophobic coating composition. Alternatively, the method may include first mixing the particulate substrate with one of the inorganic binder or the pigment, and then mixing the resulting composition with the other of the inorganic binder and the pigment, and heat treating the pigmented particulate.

Abstract: A reflective particulate composition includes a particulate mixture that includes a particulate substrate, a hardness enhancer and a pigment. The reflective particulate substrate has a hydrophobic coating on the particulate mixture. The composition may have a solar reflectance of 70% or greater. The pigment may include a clay, and the particulate substrate may include a feldspar. A method of making the composition may include mixing the particulate substrate, the hardness enhancer, and the pigment to form a particulate mixture, heat treating the particulate mixture, and coating the heat treated mixture with the hydrophobic coating.