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Beene

Dale Beene, Tallahassee, FL US

Patent application numberDescriptionPublished
20110237114Cord hook device - A cord hook device for attaching to an existing outlet in order to secure a cord. The cord hook device is generally comprised of a plate, having a first receptacle opening and a second receptacle opening, a trunk portion extending away from the plate between the first and second receptacle, and two arms extending away from the trunk portion, configured to secure a cord. An aperture passes through the trunk portion and the plate and secures the device to an existing outlet receptacle.09-29-2011

Jones Chamberlain Beene, Athens, TN US

Patent application numberDescriptionPublished
20110069909Dry Bag Harness System - A dry bag harness system for use with a roll top dry bag. The harness system allows for stitch free construction of a waterproof bag to provide use of compression straps around the perimeter of the bag. The webbing or strap is one continuous piece, and is free moving within the contained area. The containment system includes a patch that is sealed or welded to the bag to provide for a waterproof and airtight construction. The patch includes a passageway for the strap to allow the strap to slide within the patch while the strap is being tightened around the bag. The dry bag is constructed without any stitched areas and this arrangement allows the strap to apply even pressure to the bag when cinching the web type strap.03-24-2011

Michael A. Beene, Rolling Meadows, IL US

Patent application numberDescriptionPublished
20110022541Methods and Systems for Proactive Loan Modification - Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value.01-27-2011