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Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
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take down old iron guttering & replace with new plastic
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have leak in mains water pipe coming into house under sink - before reaching the stop cock
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Welcome to the Lewes Bowls Club – a friendly place to roll up
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Lewes Bowls Club thanks our sponsors –
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3 posts tagged with sculpture by grapefruitmoon.
Displaying 1 through 3 of 3.
Bent Objects
Bent Objects is the blog of an artist named Terry who makes sculpture featuring everyday items, such as aluminum cans, tea bags, playing cards and other such things.
The Knitting Machine
The Knitting Machine is a performance art piece/sculpture by Providence
artist Dave Cole. Cole's other works include a Memorial Flag made out of toy soldiers and a size 8 dress made entirely out of money.
The hyper-real sculpture of Ron Mueck
Day late and a dollar short filter: We all just missed a great show at the Brooklyn Museum, namely the hyper-realistic works by sculptor Ron Mueck. Mueck specializes in life-like castings of people in non-life-sized dimensions ranging from the huge to the very small. (Some links NSFW) (More inside)
Page: 1


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Sweet-talking duo Samantha and Nyesha square off against childhood best friends Lindsey and Frank at Stormville Airport Antique Show and Flea Market in upstate New York. With $500 in their pockets, the teams have just one hour to find the projects from our Flip List: Balanced Design, Chic Storage and Funk-tional. Next, it's off to the workshop where the teams have one day to transform their finds into profitable pieces. Nyesha and Samantha bring their Afro-centric style to the workshop but Lindsey and Frank are confident their pieces will catch more buyers' eyes. Which team's designs will make the most profit and send them home with the $5,000 prize?
Lovebird flippers Marco and Ali are ready to get their hands dirty against honey-do flippers Cara and Mike. The competition heats up at Stormville Airport Antique Show and Flea Market in upstate New York. The teams each have $500 and just one hour to find three projects to transform from our Flip List: Elegant Industrial, Built-In Design, and a Mix-ology Project. Cara brings her love of faux fur to the workshop while Marco and Ali work to convert a few metal pieces. Which team's creations will catch buyers' eyes and net the most profit, sending them home with the $5,000 prize?
Caribbean amigos Gabriel and Marco face off against Long Island artists Karen and Jennifer. The competition heats up as the teams search for treasures at Stormville Airport Antique Show and Flea Market in upstate New York. Each team gets $500 and just one hour to find three projects from our Flip List: Convertible Design, Rewrapped and Ombre Design. Back at the workshop, Gabriel and Marco get the fiesta started as they deconstruct a vanity into a pair of bright nightstands, and Karen and Jennifer transform a dated TV cabinet into a chic bar. The team that makes the most profit at the flea market will take home the $5,000 prize.
Let's explore this country together.


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4 Maps You'll Want to Flaunt
Maps aren't just geographical references. They're also artistic expressions of travel, culture, and adventure. And art should be enjoyed by as many people as possible! These four, quirky, cool maps deserve to take center stage. Our advice: Flaunt them freely in high-trafficked areas. Butterfly Maps Butterfly-shaped maps showcased in a goes-with-anything white frame? Yes, please!…Read More


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The freight broker and third-party logistics provider also said Wednesday it has completed the integration of truckload-oriented freight broker Command Transportation, LLC, which it acquired in June 2015 for $420 million.
The railroad transportation equipment manufacturer posted net earnings of $183.2 million in fiscal 2016, ended Aug. 31, a 5 percent decrease from the previous fiscal year, even as revenues reached a record $2.68 billion.
The Northwest Seaport Alliance will release two new mobile applications, DrayQ and DrayLink, in early November as part of an effort to speed cargo flow through the ports of Seattle and Tacoma and along local freight corridors.
Registration takes less than 1 minute.
Peak season capacity took a major hit in third quarter 2016 as carriers scrambled to replace services interrupted by Hanjin Shipping's Aug. 31 bankruptcy announcement.
Meanwhile, a judge in STX Offshore's Korean bankruptcy proceedings has ordered the troubled shipbuilder to put its shipyard up for sale along with its profitable cruise ship subsidiary based in France, according to multiple media reports.
The commission said it has "reasonable grounds" to suspect the carriers engaged in collusive practices to fix incremental cargo rates from Asia to South Africa.


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Presented in this segment, is a duck under position by coach and former wrestler at the University of Iowa, Terry Brands. In either style, Coach Brands demonstrates how to take your opponent directly to his back for nearfall points in folkstyle or a 3 point takedown in freestyle.
Coach Brands demonstrates taking the opponent to his back from a double leg. Finally, Terry shows how to go directly into a tight waist tilt from these positions if the opponent is able to belly down. This technique will also work in both folk or freestyle.
Take a look at an additional clip from the DVD, From Folk to Free: Fundamental Techniques for Building Elite Wrestlers. Also, view other Terry Brands videos from our massive Wrestling DVD collection!


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India vs New Zealand, Highlights, Dharamsala ODI: Virat Kohli ...20:18 (IST) 20:15 (IST) *vs New Zealand, 2016 MoM on ODI debut for IND: Sandeep Patil v Aus, MCG, 1980 Mohit Sharma v Zim, Bulawayo, 2013 KL Rahul v Zim, Bulawayo, 2016 HARDIK PANDYA * — Deepu Narayana (@deeputalks) October 16, ... Firstpost.com, 1 week ago
I do not feel a fifth specialist bowler is missing, says Sandeep Patil on ongoing India Vs New Zealand - ABP Live, 1 month ago
Amit Mishra breaks Ravi Ashwin's record - MSN News US, 6 days ago
204 images for sandeep patil
Mission Number 1: Why is Shikhar Dhawan in team even after flop shows?
Why is Shikhar Dhawan in team even after flop shows? Watch Mission Number 1 with Sandeep Patil. For latest breaking news, other top stories log on to: http://www.abplive.inABP Live, 3 weeks ago I was unnecessarily made a Villain, says Sandeep Patil ABP Live, 3 weeks ago Thakur slams Patil for Sachin, MSD comments New Delhi Pioneer, 3 weeks ago BCCI slams unethical Patil Navhind Times, 3 weeks ago
More from: ABP Live, ABP Live...and 54 other sources
Looking forward to challenge: Devang
Former wicketkeeper-batsman MSK Prasad has been chosen to succeed Sandeep Patil as the chairman of the national selection committee. The decision was taken at the 87th annual general meeting in Mumbai. Prasad had been part of the previous selection panel ...The Telegraph, 1 month ago MSK Prasad named BCCI selection panel chairman Nagaland Post, 1 month ago MSK Prasad Appointed As BCCI's New Chief Selector Jagran Post, 1 month ago MSK Prasad to head India's selection panel ESPN Cricinfo, 1 month ago
13 Tests And 31 ODIs Thats How Many Games Indias New Selection Panel Has Played
Sandeep Patil, the previous chairman of selectors, played 29 Tests and 45 One-day internationals. Venkatesh Prasad, the chief selector for juniors, featured in 33 Tests and 161 ODIs. In contrast, India's new five-man+ national selection committee ...Indiatimes, 1 month ago India's new 5 selectors played a total of 13 Tests, 31 ODIs Economic Times, 1 month ago India's 5 selectors have played 13 Tests, 31 ODIs Times of India, 1 month ago Surprise pick: Panel low on Test experience New Indian Express, 1 month ago
34 Cricketers, Including Rahane, Rohit And Jadeja, Made Debut Under Sandeep Patil-led Selection Committee
:39 PM Tags : ajinkya rahane Lokesh rahul Mohammed Shami Ravindra Jadeja rohit sharma sandeep patil shikhar dhawanABP Live, 1 month ago India v/s New Zealand: Rope gets longer for Rohit Sharma DNA India, 1 month ago Selectors offer another lifeline to Rohit, Shikhar Times of India, 1 month ago Sourav Ganguly: Rohit's talent hasn't materialised as well in Tests Sportskeeda.com, 1 month ago
Sandeep Patil rues 'losing some of his friends' during tenure as chief selector
Mumbai: "The only sad thing about being a selector is that you end up losing some of your friends," said Sandeep Patil after the selection panel, headed by him, picked the last Indian cricket squad of its tenure at Mumbai on Monday. Patil, who ...Firstpost.com, 1 month ago Sandeep Patil says sad thing about being a selector is you end up losing some of your friends First Post.com, 1 month ago It is sad that you end up losing friends as a selector: Patil Business Standard, 1 month ago Losing friends is the only sad part of being a selector: Patil Deccan Herald, 1 month ago
Sachin would have been dropped from ODIs had he not retired, reveals former chairman of selectors
Shocking revelation by former chairman of selectors, Sandeep Patil.DNA, 1 month ago If Sachin Tendulkar had not retired from ODIs, would have dropped him: Sandeep Patil One India, 1 month ago If Tendulkar hadn't retired from ODIs, would've dropped him: Patil Rediff.com, 1 month ago READ: Sandeep Patil's reply when asked about timing of Sachin Tendulkar's retirement Zee News, 1 month ago
Pujara was advised to bat briskly, reveals Kohli
Indian Test captain Virat Kohli on Monday opened up on the revelations made by former chief selector Sandeep Patil on Cheteshwar Pujara. Patil had said Kohli and coach Anil Kumble were unhappy with Pujara's performances in the Caribbean and advised the player ...Deccan Herald, 3 weeks ago 500th test match: Josh mein hosh kho baithe Virat Kohli, says Sandeep Patil ABP Live, 1 month ago India vs New Zealand: Anil Kumble contradicts Virat Kohli on Cheteshwar Pujara about strike-rate Indian Express, 3 weeks ago Kumble defends Pujara, says strike rate is for bowlers HT Syndication, 3 weeks ago
More from: , Indian Express...and 4 other sources
MS Dhoni's ODI captaincy was in question after 'shock' Test exit - India's ex'selector Sandeep Patil
Sandeep Patil, India's former chairman of selectors, has said "there were lots of discussions" around the future of MS Dhoni's limited-overs captaincy around the time he retired from Test cricket in December 2014. Dhoni's unexpected exit from the ...Bombay News.Net, 1 month ago Dhoni's ODI captaincy was in question after 'shock' Test exit - Patil ESPN Cricinfo, 1 month ago Time for MS Dhoni to step down! MSN India, 1 month ago
There's no pressure on Pujara: Kumble
Among the many revelations made my former chief selector Sandeep Patil following the end of his tenure is the apparent conversation captain Virat Kohli and coach Anil Kumble had with Cheteshwar Pujara in West Indies. Patil revealed that both Kohli and Kumble ...Deccan Herald, 3 weeks ago Sachin Tendulkar's Test Retirement Timing Confidential: Sandeep Patil NDTV, 1 month ago Sachin Tendulkar Test retirement mystery: This is what Sandeep Patil said Oneindia, 1 month ago Tendulkar's test retirement timing will remain confidential: Sandeep Patil Greater Kashmir, 1 month ago
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Get the Best Treatment in Drug Rehab New York
June 8, 2015Drug Rehab Centers
Medication rehabs in Pennsylvania can help you to get from the dark world of drug addiction and alcoholism. In fact, you can gain a whole new way of living after successful completion of the drug rehabilitation programs conducted by way of drug rehab in The Big Apple.
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A good alcohol rehab in New York will assist you in starting your fresh life. It is going to take several steps to manage you. General, emotional, mental, and physical treatments can be found by New You for alcohol rehab patients. The treatments usually are done after thoroughly examining what may cause these addictions.
A lot of the common steps taken by way of Long Island drug rehab to manage a patient are:
Detoxing: It is the initial step involving medical treatment plans for the real addictions. You should need detoxification as soon as your body comes within the shadow of such substance addiction. If people stop taking substances suddenly, your body may respond in adverse ways. In order to save your body from those negative effects, you need to go through detoxification.
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By joining a new drug rehab in New York, you can learn how to achieve long-term goals to say 'NO' to drugs and alcohol. You would also learn how to gain an enhanced lifestyle. Drugs, liquor, and other chemicals like cocaine and heroin cannot present you with complete relief for stress or cramping. So if you think that these chemicals will allow you out of your problems linked to stress and likewise, you are terribly wrong. Do not count on these chemicals as they would only take you to a path of destruction. You would be affected not only mentally, emotionally but also physically. And to get rid of these negative conditions it is best to join a drug rehab that may help you.
Some of the most beneficial drug rehabs in Pennsylvania will assist you at getting an escape from the world of addiction and help you to live a healthy life. These rehabs seek to make you realize the benefit of your understanding against drug and alcohol addiction in order that you would live a new happy and respectful life. But just because you have been to rehab doesn't meant the story ends there are you are clean, you must also remain free from any kind of medications and supplements that can cause mood alternations. When you are suffering from chemical dependency and alcoholism, do not waste your time and energy thinking about what the society will say or think about you seeking external help to overcome your addiction. Consult the most reputed drug rehab center in New York and begin a fresh life full of happiness and free of drugs and alcohol.


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Master The Officer Candidate Tests: Targeted Test Prep to Jump-Start Your Career
Every year, the U.S. Armed Forces commissions thousands of new officers. "Master the Officer Candidate Tests "provides candidates with the preparation they need to achieve high scores on the required qualifying exam. Key topics for each military branch's-specific exam are covered in detail, from verbal reasoning and math to mechanics and electronics. Test takers are also p ...more
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"It's intriguing, but we just don't know yet," one of the coaches told The Sports Xchange. "But it's a pretty good example of some of the ways we spend the time we've got right now, with no players. ... You get a wild (idea) and, instead of just dismissing it out of hand, it turns into a project."
Of course, Saints' coach Sean Payton has been adamant that he wants Bush back and that he can still fit into the New Orleans offense. And quarterback Drew Brees messaged Bush that he still has a role.
But people close to Bush, who were confidently suggesting only a month ago that he could return to New Orleans with a contract extension that made him financially "whole" for this year, have expressed some doubts, now that the Saints traded back up into the first round to bag Mark Ingram with a second first-round pick.
It's a crowded backfield in New Orleans with Pierre Thomas, Chris Ivory, Lynell Hamilton, Ingram and Bush. And not even Payton, a master at creating roles for all of his backs, and a coach who has embraced the committee approach, might be able to divine a brew for getting everyone involved.
As for Bush, he's been a matchup nightmare for opponents out in space, and a key player for a big, screen-pass team like the Saints.
But it's one thing to line up in the slot in situations and another to do it consistently. There were a few franchises that toyed with the idea of Bush as a wide receiver prior to the 2006 draft, when he was the second overall selection, but no one has mentioned the possibility of him moving to the position full-time until the AFC club whispered it this week.
In his first two seasons in the league, Bush averaged 80.5 receptions per year and 5.75 catches per game. The past three years, impacted by injuries, Bush's average is 53.7 catches per season and 4.15 per game.
Around the league
* Hustle back: On a Seattle-area radio show last week, we noted that quarterback Matt Hasselbeck was most likely to return to the Seahawks for 2011, and various media reports later in the week bolstered that possibility. That seems to be the prevailing belief around the league. Of all the veteran quarterbacks either available in free agency or rumored to be on the trade block, Hasselbeck is mentioned the least of anyone when a change of scenery is discussed. The 12-year veteran might be a solid "bridge" quarterback for a team seeking an experienced guy to play for a year or two while a youngster is developed, but there's only modest buzz so far about him filling such a role. Hasselbeck will turn 36 in late September, and he's coming off a season in which he had some injuries and threw only a dozen touchdown passes. Bit those who have watched Hasselbeck at practice insist he can still throw every pass and are somewhat surprised he seems to have generated so little unofficial interest. The Seahawks definitely want Hasselbeck to re-sign, probably for a short-term contract, and the organization still seems to retain confidence that backup Charlie Whitehurst can develop into a viable starter. Team officials also insisted to The Sports Xchange this week that there is little interest in Matt Leinart, a free agent and former Heisman Trophy winner who played for coach Pete Carroll at USC.
* On the drawing board: There are seven teams with new offensive coordinators and who figure to have unsettled quarterback situations, and those clubs certainly could benefit from minicamps and OTAs this spring. Unfortunately, the lockout precludes such work, and several of the coordinators involved have yet to conduct an extended sit-down session with the contenders for the quarterback job. That puts them in a really tough spot, several of the coaches conceded. Joked one: "It's going to be like going to Berlitz, you know, a cram-course in a new language, when this thing finally gets over," suggested the coordinator.
* Prime Time 'tude: In an interview with the always thought-provoking Deion Sanders this week, for a feature that will appear in the Hall of Fame program this summer, the all-time great cornerback allowed that he was signed by the 49ers in 1994 and the Cowboys in '95 to help combat the other team's great wide receiver and win a Super Bowl. But, said Sanders, there was another motivation as well. "When the 49ers signed me (in 1994), they had all the talent in the world," Sanders recalled. "But what they didn't have was attitude. I was the missing piece for that. I guess the kids today would call it 'swagger,' and that's what I gave them. Then, in '95, the Cowboys, who knew they had to beat the 49ers, were thinking, like, 'OK, what element can we take away from them?' So they took me and my attitude, and it hurt the 49ers and helped get the Cowboys a Super Bowl. I gave them both that extra intangible thing they needed." Sanders, of course, helped both teams win a Super Bowl, San Francisco in '94 and Dallas in '95. But he didn't dominate the respective teams' wide receivers. In the 1994 NFC championship game, for instance, Michael Irvin had 12 catches for 192 yards and two touchdowns. In a '95 regular-season game versus the Cowboys, Jerry Rice registered five receptions for 161 yards and a score.
* Free man: The Dallas Cowboys have a plan for the offensive left tackle spot, and, despite the selection of Tyron Smith of Southern Cal with the ninth overall pick in the first round two weeks ago, a club source told The Sports Xchange that the team's "definite" preference is to have Doug Free return for at least another year, and possibly the long-term. After starting only seven games in his first four seasons in the league, Free moved from the right to the left side in his fifth year, after Dallas released Flozell Adams, and started all 16 games. By unofficial count, Free permitted five sacks in '10, all of them after Tony Romo was injured in the sixth game, and Jon Kitna became the starter for the rest of the campaign. Free, 27, a relative baby by the Dallas line's standards, is a free agent whose status won't be determined until there is a CBA agreement. The team made him a one-year restricted tender at the highest level, $3.442 million (first- and third-round compensation), but will want to discuss a long-term deal once there is labor peace and the moratorium on negotiations is lifted. A lot of teams, Dallas included, felt that Smith's athleticism and quick feet made him a left tackle candidate. But Smith never started a game at left tackle for USC and never even practiced at the position the past two seasons.
* Bowden-bound: Former University of Florida standout cornerback Janoris Jenkins, dismissed from the Gators squad two weeks ago by first-year coach Will Muschamp after a second marijuana-related arrest in three months, reportedly will transfer to Division II power North Alabama to finish his college career. The move is a good one, NFL scouts said this week, for Jenkins, who might have entered the supplemental draft or pursued litigation to force his way into the league. Both those alternatives were far more dicey than playing in 2011, league talent evaluators feel, and Jenkins, at one point rated the No. 3 cornerback prospect in the 2012 draft by NFLDraftScout.com, will have an opportunity to rehabilitate himself and his image. "He's got the goods (to play in the NFL), but he has to clean up his act," one league area scout told The Sports Xchange. "Teams worry about that (stuff), and he should, too. It's a good, solid program for him, though, and it gets (NFL) attention." The Lions, who open the 2011 season on Sept. 3, presumably with Jenkins in the lineup, are coached by Terry Bowden, who is 20-6 in two seasons. North Alabama claimed the Division II title 1993-95, and has advanced to the D-II playoffs six straight times. The Sports Xchange first reported on May 2, citing two sources, Jenkins likely would transfer to a lower-division program and play in 2011, rather than seek to move to the NFL.
* The "other" Jenkins: Most projections concerning free agency, provided there is a signing period at some point, have assessed this year's crop as a thin one. But one pending unrestricted player getting plenty of attention, at least on the rumor mill, is Green Bay defensive end Cullen Jenkins. The seven-year veteran has been linked in reports with Washington and Dallas, and there figure to be others 3-4 suitors as well when the NFL opens for business. Jenkins is only 30 years old and, even coming off a 2010 season when hand and calf injuries limited him to eight starts, appears to be a guy in demand. Ironically, Jenkins originally balked when coordinator Dom Capers introduced the 3-4 front to the Packers in 2009. But the scheme is apt to make Jenkins, who failed in Capers' experiments to make him a stand-up edge defender, a very rich man. At 305 pounds, Jenkins can anchor versus the run, yet is mobile enough to provide some pass rush. He registered seven sacks in 2010 and, among 3-4 ends, only Justin Smith of San Francisco (8.5) had more. The Redskins had 6.5 sacks combined from their ends in 2010; Dallas had just four.
* They like Ike: Getting tired of all the Ike Taylor updates in this space? Can't blame you a bit. But The Tip Sheet noted here last week that the conspicuous confidence of Pittsburgh officials that they will be able to re-sign the pending restricted free agent might be a little misplaced, since the eight-year veteran figures to have a healthy group of suitors if the market ever opens. Since last week, though, it was pointed out that Taylor enjoys a close relationship with the Rooney family, doesn't necessarily take well to change, likes the comfort level in Pittsburgh, and feels that the $11 million-per-year contract awarded lesser-talented cornerback Stanford Routt by the Oakland Raiders is a bit of an aberration. That's not suggesting Taylor will come cheap, or give the Steelers a so-called "hometown discount," but he could end up providing the team to match any outside offers. As noted here in the past, Taylor has some obvious deficiencies, but he knows the Dick LeBeau system well, and clearly is the Steelers' top player at the position.
* Yackety-yak: It isn't all that surprising that only three of the bottom 10 teams in yards-after-catch (YAC) in 2010 qualified for the playoffs. The stunning thing is that the top four teams in YAC, and five of the top six, didn't advance to postseason play. The statistic is viewed as a key one by many league observers, but a number of coaches feel it is overrated -- not as critical as, say, yards per attempt, although one would think YAC is a component of that -- and the numbers may support that.
* Punts: There is no viable defense, no excuse whatsoever, for the derogatory remarks that boxer Bernard Hopkins made this week about quarterback Donovan McNabb. But it's also true that there are people who shared a locker room with McNabb in Philadelphia who felt the quarterback was a little too cozy with Eagles' management. ... In the wake of reports that some teams are not conducting on-field workouts of their own during the lockout for fear of injury -- New York Giants' defensive end Justin Tuck suggested his unit isn't practicing for that reason -- at least three player agents forwarded reminders to their clients this week about making sure their insurance is paid. ... Speaking of the workouts, it can't be good news to the NFLPTA that several of the "practices" this week attracted more reporters than players. ... Atlanta first-round wide receiver Julio Jones, for whom the Falcons traded five choices to Cleveland to move up 21 slots in the initial stanza, continues to recover from foot surgery, and is likely a couple weeks away from being able to join workouts organized by quarterback Matt Ryan. ... It's been a few weeks now since the report that a group of about 70 mid-level NFL players was seeking out a law firm to represent its interests in the lockout. No word yet. Since Daniel Kaplan of the Sports Business Journal, who originated the story, is a terrific reporter, there's no reason to doubt it, although some at the league level definitely do. But one has to be concerned with the players and their degree of resolve. ... Anyone surprised that former NFL safety Rodney Harrison, now an NBC analyst, acknowledged this week that he would likely circumvent the lockout rules and somehow find a way to communicate with an assistant coach during the no-contact work stoppage? Harrison was among the most heavily-fined players in the league during his 15-year career and, while a passionate defender, never really paid much attention to rules. ... Sanders plans to have agent Eugene Parker, who represented him for his entire career and continues to play a role in his decisions, present him at his Hall of Fame induction this summer. ... Much was made this week about the potential that Brett Favre, who appears undecided about how to spend his retirement, might mentor Cam Newton. But as noted by The Tip Sheet last week, Favre's agent, Bus Cook, is only the co-representative for the Heisman Trophy winner and No. 1 overall pick in the draft. The agent listed first on the standard representation agreement that Newton signed is Tony Paige, and he apparently wants some input about Favre's possible role. ... Kansas City officials took some heat for the first-round choice of Pitt wide receiver Jonathan Baldwin, who has a reputation as a bit of a diva. But the Chiefs scouts say they couldn't overlook Baldwin's enormous raw talent in seeking a complement to Dwayne Bowe. Last season, Bowe played 85 percent of the team's offensive snaps, and no other wideout on the roster logged more than 44 percent. ... It's hardly a secret, but even though they are considered management, a lot of assistant coaches, and perhaps even some head coaches, too, are quietly pulling for the players to at least win some sort of victory that allows them to get back to work. Said one assistant this week: "What's that old Jim Finks line about owners own, players play, and coaches coach? I'm about to go a little stir-crazy here, man." ... Condolences to former Atlanta trainer Jerry Rhea on the death of his wife of 54 years, Beverly, this week. One of the pioneers of training and treatment in the NFL, Rhea was the Falcons' head athletic trainer 1969-94, and is a true gentleman. ... Condolences, too, to the family of former NFL running back Ron Springs, who died Thursday at age 54, after spending the last four years in a coma. Springs lapsed into a coma in Oct. 2007 after surgery to remove a cyst. A diabetic, he had eight months earlier undergone a kidney transplant, with former Dallas cornerback Everson Walls the donor. ... Buffalo coach Chan Gailey and general manager Buddy Nix said this week they plan sign a veteran quarterback in free agency to bolster the depth chart behind starter Ryan Fitzpatrick. There may be no quarterback in the league in recent years who has thrown for 3,000 yards in a season yet garners less respect from the public than Fitzpatrick. There was plenty of speculation before the draft that the Bills would expend a high-round pick on a quarterback, but the team didn't choose one at all.
* The last word: "There is not one player who hasn't enjoyed the lockout. I'm just being straight-up honest." -- Buffalo Bills three-year veteran wide receiver Stevie Johnson, per NFL.com, on the current work stoppage and players taking advantage of their time away from the field


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Norwegian language courses for students admitted to degree or exchange studies
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- International students admitted for degree studies or exchange studies at the University of Oslo can apply for Norwegian language courses offered by the Department of Linguistics and Scandinavian Studies.
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The best way to learn something is with a great teacher. Let them speak, and listen closely. When it comes to painting, you need look no further than Watercolor Wisdom. Inside, Jo Taylor shares all the knowledge and experience she's accumulated over three decades of painting and teaching in watercolor.
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Yan CKX Tranz 1.5 RSV Modular Helmet, Winter
Yan CKX Tranz 1.5 RSV Modular Helmet, Winter
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Benefits of a full face helmet with the advantages of an open face. Easy and practical way to communicate with your fellow riders, without having to remove the helmet, by lifting the chinguard section, with the push button.
- Retractable inner amber sunvisor
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Tree rings show a different climatic response in a managed and a non-managed plantation of teak (Tectona grandis) in West Africa
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SEATTLE, WASHINGTON-- Last month, 6600 members of the Geological Society of America gathered here for their annual meeting. Presentations included a discussion of the early peregrinations of humans in the Pacific.


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|Publication number
|Publication type
|Application number
|Publication date
|Nov 8, 2011
|Priority date
|Jun 18, 2004
|Fee status
|Also published as
|Publication number
|Nathan P. Wehunt, Jeanne Blair, Scott A. Lux, Jeffrey J. Gradwohl, Steven J. Dickinson, Helen P. Boyles, Christian Houssiere, Audra K. Stoll, Tara L. Jacobson, Gregory L. Cunningham
|Original Assignee
|Washington Mutual, Inc.
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (25), Non-Patent Citations (30), Referenced by (9), Classifications (17), Legal Events (3)
|External Links: USPTO, USPTO Assignment, Espacenet
This application is a continuation of U.S. application Ser. No. 11/332,651, filed Jan. 13, 2006, now U.S. Pat. No. 7,884,519 which is a continuation of International Application No. PCT/US2005/021546 filed Jun. 17, 2005, which claims the benefit of U.S. Provisional Application No. 60/581,056 filed Jun. 18, 2004, all of which are incorporated by reference herein in their entireties.
Automation has spread from within financial institutions, to networking among financial institutions, and now to consumers themselves. Consumers or bank customers can now electronically access information and make changes to their accounts via devices such as automatic teller machines (ATMs) and networked computers. For example, customers may access their accounts online (via the Internet) if they have access to a computer and associated software (such as web browser software). Customers can not only transfer funds via their own computers, but also pay bills and conduct other transactions once they have provided the appropriate information or otherwise set up their online account to perform such transactions.
When a customer moves from one bank to another, however, some problems can arise. Transferring bank account information from one or more financial institutions to a new financial institution require customers to manually close their old bank accounts and to manually reestablish previously existing services at their new bank accounts. Under the new bank accounts, customers manually reestablish information, such as their list of bill pay payees, bill pay payment schedule, scheduled transfers, electronic bills ("eBills"), and automatic debits and credits. The process of manually reestablishing old bank account services at the new bank account can be inefficient and can waste time, energy, and resources. Additional problems, of course, exist.
The invention will now be described with respect to various embodiments. The following description provides specific details for a thorough understanding of, and enabling description for, these embodiments of the invention. However, one skilled in the art will understand that the invention may be practiced without these details. In other instances, well-known structures and functions have not been shown or described in detail to avoid unnecessarily obscuring the description of the embodiments of the invention.
It is intended that the terminology used in the description presented below be interpreted in its broadest reasonable manner, even though it is being used in conjunction with a detailed description of certain specific embodiments of the invention. Certain terms may even be emphasized below; however, any terminology intended to be interpreted in any restricted manner will be overtly and specifically defined as such in this Detailed Description section.
Embodiments of the invention relate to a system for transferring a customer's accounts from one or more financial institutions to another institution, such as Washington Mutual. The system utilizes an ASK (Automated Switch Kit) Application that facilitates the automatic transfer of account information and protocols from an old bank account to a new bank account. The system leverages account aggregation functionality, inter-bank funds transfer capability, and alert functionality, among other things. Account aggregation refers to the consolidation of personal account data (e.g., bank accounts, investment, loans, mortgages, bills, etc.) into a single view screen (generally within an Internet browser) using aggregation technology.
The ASK Application can determine services at an old bank account and facilitate the transfer of these services to a new bank account. The ASK Application contains code or functionality to determine bill pay payees at an old bank account and to add the bill pay payees to a bill pay service at a new bank account, including closing the old bank bill pay service if applicable. The ASK Application can determine bill pay payments at the old bank account and add the bill pay payments to the new bank account's bill pay service, including canceling payments scheduled on the old bank account service, if applicable. The ASK Application can also determine scheduled transfers or variable payment instructions at the old bank account and move the same schedule to the new bank account, if applicable, or create output to allow for customer decision regarding these transfers (e.g., schedule through inter-bank transfers). Similarly, the ASK Application can update bill pay information at third party sites, such as providing the account and routing numbers from the customer's new account to a third party site having the previous information.
In addition, the ASK Application can determine if any electronic bills ("eBills") are registered at or through the old bank account and can cancel registration at the old bank account before enrolling to receive the eBills at the new bank account. eBills refer to electronic copies of a bill from a payee. eBills are often delivered online either in addition to, or as a replacement for, a paper bill.
Furthermore, the ASK Application can identify payments likely to be paid (either monthly or other recurring time frames) from a credit or debit card associated with the old bank account, and can move these payments to the new account, and cancel the payments from the old bank account.
Also, the ASK Application can mine personal finance management data (PFM), such as data from applications such as Microsoft's Money or Intuit's Quicken. The PFM data could be used in addition to or in lieu of data obtained from other sources (e.g. financial institution web sites) to perform its functions (e.g. identify alerts, payments, transfers, ACHs, direct deposits, etc. . . . ). In addition, the ASK Application could provide the PFM software with the updated account information and access information.
The ASK Application can utilize techniques to facilitate the transfer of information and services. The ASK Application can evaluate the transaction history of an old bank account and create a report to evaluate likely automatic debits and credits, such as direct deposits, automatic billing through a debit card, and ACH (Automatic Clearing House) withdrawals. The ASK Application can also leverage output to automatically migrate transactions or to provide a customer or bank with recommended actions based on items reported. For instance, if a local power company has auto-debit on the old bank account, the ASK Application can provide customers with the phone number or URL where they can change to a new bank account. Such information can be accumulated for/from multiple third parties and provided to customers or bank employees or systems in a report. In addition, the ASK Application can monitor transactions on both the old bank accounts and the new bank accounts to report any suspected transaction clearings and take appropriate action. In one instance, if a Direct Deposit posts to the old bank account, the ASK Application could initiate an inter-bank transfer to move the Direct Deposit to the new bank account.
In some embodiments, the ASK Application accesses data from both public and privates sources (e.g., Experian, LexisNexis, etc.) and compiles likely payments or other items needing migration regardless of the source. In some cases, depending upon the level of authorization from the customer, the application can utilize a soft or hard credit inquiry report to obtain the appropriate information (tradeline information).
In some embodiments, the ASK Application allows customers (including vendors/merchants utilizing the application) to participate in identifying certain transactional services to be switched by the ASK Application. For example, a wireless phone company could participate to ensure any scheduled payments from a mutual customer are updated to reflect the new account information without missing payment dates or disrupting service. The phone company may provide the ASK Application with descriptions of how their transactions should post on bank transaction records (e.g. "Major Wireless Auto-pay XXYYYY") to help identify the transactions and then to allow updates directly from the new bank on behalf of the customer to their billing information. The ASK Application may accept customer input from any of the channels the ASK Application interfaces for information, such as the Internet, Interactive Voice Response (IVR), call centers, and so on.
In addition to customers with personal accounts, in some embodiments the ASK Application supports and works with information related to small business and other commercial entities. The ASK application facilitates the transfer of information relating to electronic invoicing, electronic remittances, Delegate authorities, and other services designed for commercial use.
In an alternative embodiment, The ASK Application analyzes relationships and other information between the customer and products utilized by the customer. This allows the ASK Application to provide products and other services offered by the new institution (such as Washington Mutual), that may be desirable to the customer. In some instances, the ASK Application collects ancillary information (e.g. the rate offered on a savings account, the maturity date on CDs, and so on) and can provide the customer with desirable offerings based on the collected information. For example, the ASK Application creates a flag on the maturity date of a CD purchased by the customer at the previous institution. The application then uses the flag to alert the new bank when the CD approaches maturation, and the new bank can then provide a better offering to the customer.
The ASK Application may determine account set-up preferences for a customer, and facilitate the set-up of a new account based upon these preferences. For example, the Application may determine that a customer received only online bank statements from the old bank account and will facilitate the set-up the new bank account with this same service. (In this example, the customer may first need to take some action such as accepting an electronic consent agreement if he or she has not already.) Likewise, in some embodiments the ASK application gleans other information contained in an old bank account, such as check numbers previously used by the customer, and sets up the new bank account accordingly (e.g. order checks with a later starting number). In addition to preference and other information, the ASK application can also capture online documents associated with the customer from the old bank account, and transfer them to an electronic storage facility dedicated to the customer with the new account.
The invention can also be practiced in distributed computing environments, where tasks or modules are performed by remote processing devices, which are linked through a communications network, such as a Local Area Network ("LAN"), Wide Area Network ("WAN") or the Internet. In a distributed computing environment, program modules or sub-routines may be located in both local and remote memory storage devices. Aspects of the invention described herein may be stored or distributed on computer-readable media, including magnetic and optically readable and removable computer discs, stored as firmware in chips (e.g., EEPROM chips), as well as distributed electronically over the Internet or over other networks (including wireless networks). Those skilled in the relevant art will recognize that portions of the invention may reside on a server computer, while corresponding portions reside on a client computer. Data structures and transmission of data particular to aspects of the invention are also encompassed within the scope of the invention.
If the old account information is masked or otherwise incomplete, the ASK Application 114 identifies the incomplete information and takes further steps as appropriate, such as prompting the customer to provide the complete information. For example, the ASK Application can identify that "****1234" is likely masked account number, and in response, prompt for customer intervention or additional information.
Once the ASK Application 114 has the account information from the BrandX financial institution, it updates the previously opened account at the new bank and generates an Aggregation/Exception Report 112 that reports exceptions to the scheduled payments to the new bank, as well as the cancellation of payments to BrandX financial institution. The ASK Application 114 may generate three separate reports 134 using three servers: a eBills/Payments Server 126, a Transfers/Wire Transfers Server 128, and an Alerts Server 130, which respectively generate one or more reports 134, such as a eBills/Payments Report, a Transfers/Wire Transfers Report, and an Alerts Report. Examples of data provided by the eBills/Payments Reports include the following: "payment could not be deleted/error", "payments deleted as requested", "payment frequencies did not match", and "verify new frequency" (e.g., BrandX sends payments on Saturdays and the new bank does not so move the payment to the next day). Examples of data provided by the Transfers/Wire Transfers Reports include the following: "transfer could not be deleted/error" and "wire transfer completed". Examples of data provided by the Alerts Reports include the following: "requested alert not canceled", "alert not available", and "alert method not recognized". All three reports 134 are sent to both the customer 102 (hard copy, to the customer's computer, or both) and to a back office computer 132 for processing.
In some embodiments, a customer verifies and authorizes the information contained in the reports 134 discussed above. For example, a customer may receive a report explaining that "bill payments A and B were deleted from BrandX bank and added to bill pay at [new bank], and transfers C and D were deleted from BrandX bank and added to transfers at [new bank]." The customer then verifies the information to be true and authorizes the ASK Application to finalize the switch described in the report.
In some embodiments, the report flags obtained information requiring further customer input (e.g. masked or incomplete account information).
Although the output of information has generally been described with respect to reports, the ASK Application 114 is able to disseminate information to many sources in a variety of formats, such as in a data feed to a dynamic marketing system, in addition to the report format discussed above. The ASK Application 114 works with end users receiving the output information, and may send the information in either batch or real-time modes. In addition, the Application can configure the batch modes individually for each received system or end user (one system may received a report batch every minute while another may receive a report batch daily).
In one embodiment, the ASK Application 114 obtains electronic payee data and other information from the customer's old bank account using a screen scraping function, which captures data from a system via its display. Other methods are of course possible. For example, a company such as CheckFree (http://www.checkfree.com/) provides many banks with electronic bill paying functions. Thus, the ASK Application could access CheckFree databases to automatically gather old account data electronically, and transfer this data to new account records stored in the new bank's databases.
The ASK Application 114 monitors the new customer's old bank account by automatically and periodically logging onto the old bank account website using the customer's old credentials (e.g. username and password) with that site. The time period for logging onto the old bank account can be customized to provide the best service. If the old bank account posted its ACH (Automatic Clearing House) transfers and direct deposits at a certain time each day, then the ASK Application 114 could be programmed to monitor the old bank account immediately following that time to give the customer maximum time to react. One embodiment leverages the services of an aggregation technology company, such as Yodlee (http://corporate.yodlee.com/), to enhance the current aggregation functionality of the ASK Application 114. A company such as Yodlee could provide the type of development needed for the proper aggregation or screen scraping pieces of the ASK Application 114. External companies that could enhance aspects of the system would include companies proficient in account aggregation technology (e.g., Yodlee, CheckFree, and S1), inter-bank transfers functionality and ACH functionality (e.g., CheckFree, CashEdge), and Alert functionality (e.g., KANA, Google Alerts, MSN Alerts, Yahoo Alerts, eBay Alerts). These companies or other companies proficient in similar fields could enhance the capabilities of the system by providing development and specific expertise into functional components of the ASK Application 114. The ASK Application 114, therefore, is able to aggregate information and eBills from multiple sites (e.g. online bill pay sites, brokerages, and so on) and perform a single switch request to obtain the information at the multiple sites.
The ASK Application 114 may employ speech recognition to gather information from the BrandX Call Center 124 via IVR (Interactive Voice Response). The use of speech recognition, which provides IVR scraping capabilities, may provide a cheaper and faster way to obtain daily balance updates by scraping information from IVRs instead of from the Internet. In addition, IVRs provide fewer navigation options, allowing IVRs to be more easily maintained and navigated from a system perspective.
In an alternative embodiment, the ASK Application 114 may employ optical character recognition (OCR) to gather information on the BrandX account. OCR utilizes an optical scanner for reading text, and software for analyzing scanned images. The optical scanner could scan a statement and analyze the scanned statement for information such as direct deposits or ACH transactions that may be missed from a human reviewing the account manually. In addition, if a customer was uncomfortable with the new bank checking their old accounts at BrandX financial institution, OCR could be used to review past statements without checking the old accounts at BrandX financial institution. Also, the input/output could be the scanning of known bills or statements to automate or pre-populate bill pay or form letters for the customers to send to terminate services elsewhere or to help automatically input data to the new account for new items.
In some cases, the ASK Application 114 works within the Open Financial Exchange (OFX) specification, and utilizes OFX methods to gather information from BrandX accounts and submit information to new accounts.
The BrandX Bank may attempt to stop the ASK Application 114 from transferring account information from its online account to the new bank's online account. By monitoring exception reports (e.g., data scrape failed "x" times) and by keeping monitoring accounts at BrandX Bank and monitoring those accounts for changes, the ASK Application 114 can avoid blocking. If BrandX Bank uses variable log-on credentials (e.g., a random identifier selected from a list of ten identifiers), the ASK Application 114 can detect the requested information and accurately provide it. Other blocking mechanisms, such as words embedded in images, can be overcome by real-time prompting to employees at the back-office computers 132 to complete the information. In an alternative embodiment, some or all of the functionality of the ASK Application 114 runs as a client application on the customer's computer and gathers the relevant information from BrandX Bank, and then provides the gathered information to the new bank server computer. The client application may be downloaded from the new bank's server computer when the new account is established.
Aspects of the invention may be practiced in a variety of other computing environments. For example, referring to
At least one server computer (126/128/130), coupled to the Internet or World Wide Web ("Web"), performs much or all of the functions for receiving, routing and storing of electronic messages, such as web pages, audio signals and electronic images. While the Internet is shown, a private network, such as an Intranet may likewise be used herein. The network may have a client-server architecture, in which a computer is dedicated to serving other client computers, or it may have other architectures such as a peer-to-peer, in which one or more computers serve simultaneously as servers and clients. A database or databases coupled to the server computer(s), stores much of the web pages and content exchanged between the user computers. The server computer(s), including the database(s), may employ security measures to inhibit malicious attacks on the system, and to preserve integrity of the messages and data stored therein (e.g., firewall systems, secure socket layers (SSL), password protection schemes, encryption, and the like).
The server computer (126/128/130) may include a server engine, a web page management component, a content management component and a database management component. The server engine performs basic processing and operating system level tasks. The web page management component handles creation and display or routing of web pages. Users may access the server computer by means of a URL associated therewith. The content management component handles most of the functions in the embodiments described herein. The database management component includes storage and retrieval tasks with respect to the database, queries to the database, and storage of data such as financial information.
The new bank determines whether the customer is a candidate for the ASK Application (block 206). If the customer is not a suitable candidate, then a normal account opening process occurs (block 208). Under the example, the customer agrees, so the new bank performs an assessment on the customer's old BrandX bank account and determines that the customer would benefit from using the ASK Application.
Where the customer is a suitable candidate, then the ASK system proceeds with the gathering of BrandX account information (including authentication information for BrandX IVR or internet banking applications), customer contact information (e.g., email address, pager, cell phone), and customer consent (block 210). Under the example, the new bank starts the ASK Application and has the customer sign any required documents to open a new account and legally provide access to the old account.
Once the ASK system is initiated, the ASK system may use aggregation technology to query the BrandX Internet Site, other data sources, or an IVR (Interactive Voice Response) system (including using voice/speech recognition technology) to capture account information and transaction activity (block 214). The ASK system also analyzes data, performs correct one-time actions, and establishes appropriate future actions (block 214). Thus, once the ASK Application starts, it goes to the online banking site of BrandX and uses the customer's provided credentials (e.g. User ID, challenge question, and password), and determines that the customer is using a BrandX scheduled transfer service, bill pay, eBills, and has Direct Deposits and ACH withdrawals from the BrandX bank accounts. In addition to traditional User ID and password credentials, the ASK Application utilizes and supports ancillary credentials, including: federated ID management, digital ID management, random log-on questions and answers, tokens, cookie based IDs, one-time password systems (either time based or usage based systems) issued by software or hardware, 2nd channel authentication and other open-source or proprietary authentication methods.
The ASK Application can create a User ID and password for the customer or the customer can log in without providing the data for a one-time evaluation only without monitoring (as explained herein).
Next, the ASK system establishes eBills/Payments (block 216), transfers/wire transfers (block 218), and alerts (block 220). The ASK Application determines setup at BrandX and migrates payees, payments, transfers, alerts, and eBills to equivalents at the new bank or prompts for validation (block 228). In other words, the ASK Application sets up the same payees on the new bank's bill pay service, adds the scheduled payments to the new bank, and cancels the payments on the BrandX bank account, reporting any exceptions and asking the customer to review and approve the changes. The ASK Application then determines that some scheduled transfers exist, reports on the existing transfers, and migrates the existing transfers to mapped accounts at the new bank (e.g., scheduled transfer of $50/month from checking to savings at BrandX is cancelled and a recurring transfer is set up at the new bank from the customer's new checking account to the customer's new savings account). The ASK Application determines that the customer is enrolled to receive some eBills under the BrandX bank account and cancels those eBills at the BrandX bank account before enrolling the customer using the new bank's corresponding service, reports any exceptions, and prompts for any additional information that may be needed. Examples of exceptions that could be reported include a message indicating that an eBiller requires some sort of additional task to be completed to unenroll (e.g., a phone call, e-mail, PIN number, or a code from the last statement).
Appropriate documents are generated, pre-filled with account information, and sent to the customer or new bank representative (block 224). Thus, continuing with the example, the ASK Application analyzes the BrandX transaction history and notes that there are two direct deposits (one Social Security deposit and one Company A deposit) and one automatic withdrawal (from MajorPUD). The ASK Application recognizes the Social Security and MajorPUD transactions, provides specific instructions on how to properly notify those entities of the new accounts, and provides more generic instructions on how to resolve the Company A direct deposit, including pre-printing forms, providing phone numbers, or providing URLs.
The ASK Application then prompts the customer to determine if it should monitor the new and/or old accounts for these or other transactions, for a specified duration, and what action needs to be taken (block 214). In the example, the customer determines that she will request all the services to be moved over from their respective institutions, but also wants the ASK Application to monitor things, and, if either direct deposit posts to the old account, to transfer the money to the new bank account. If the MajorPUD transaction posts, the customer would like to be contacted and asked what action to take (block 220). The customer leaves the bank, closes their internet session, or hangs up if the ASK Application is initiated through a back-office process and/or the back office calls the customer.
A customer can provide instructions on how to handle exceptions (block 212). For example, the customer may try to change a Direct Deposit for Company A, but is told that Company A's next Direct Deposit will still go to the BrandX bank account. The customer then contacts the new bank under this example and asks that the new bank not transfer that amount when the next transaction occurs. The new bank notes the customer's request and sets up a flag in the ASK Application to not transfer the next direct deposit from Company A, but to continue to process the previously requested transactions, and in this example, to transfer the Social Security amount and to notify the customer if it detects any other direct deposit transfers from Company A.
Exception reports/alerts are generated for transactions that do not meet the predefined process criteria (block 222). For example, again continuing with the above example, the ASK Application monitors the BrandX bank accounts and the new bank account and detects an unlisted ACH transfer in the BrandX bank account. Since the ASK Application has not been prompted with how to handle this situation, the ASK Application prompts the new bank and asks how to handle these transactions in the future. The new bank contacts the customer and asks how she would like to handle the situation. The customer elects to do nothing and to ignore those particular ACH transactions in the future.
E-mail, SMS, voicemail, or other alerts are sent to the customer and/or the new bank back offices regarding the status of the BrandX account (block 226). The ASK Application continues to monitor transactions and later determines that the BrandX bank account has reached a negative balance and sends an alert. The ASK Application continues to monitor the BrandX bank account and determines that it has had the same balance for "X" days. The ASK Application sends an alert to notify that it appears that all transactions have cleared the account and that it may be safe now to close the account.
The above mentioned examples represent sample use cases meant to illustrate some of the ways that the ASK Application might function for the given scenarios and is not meant to be all encompassing or definitive. Other options could be presented or available at any of the above mentioned steps.
In an alternative embodiment, the ASK Application could apply to other types of financial institutions that may not technically be banks, as well as to small businesses or commercial account switches. In some case, the ASK Application interacts with brokerage accounts, credit card accounts, and other non-traditional financial services, such as eTrade, PayPal, ING, Countrywide, and so on.
In an alternative embodiment, the ASK Application supports and collaborates with other switching systems. The ASK Application also can be modified to incorporate new switching methods and systems, such as NACHA's proposed switch process. (NACHA is an industry organization developing specifications, which an industry developer may use to develop interfaces between systems.)
The above detailed descriptions of embodiments of the invention are not intended to be exhaustive or to limit the invention to the precise form disclosed above. While specific embodiments of, and examples for, the invention are described above for illustrative purposes, various equivalent modifications are possible within the scope of the invention, as those skilled in the relevant art will recognize. For example, while certain workflows for the ASK Application are provided, alternative embodiments may employ different modules, blocks or functions to achieve similar functionality or results. Additionally, while the ASK system is shown as having certain hardware components in
Words in the above Detailed Description using the singular or plural number may also include the plural or singular number respectively, where the context permits. Additionally, the words "herein," "above," "below," and words of similar import, when used in this application, shall refer to this application as a whole and not to any particular portions of this application. When the claims use the word "or" in reference to a list of two or more items, that word covers all of the following interpretations of the word: any of the items in the list, all of the items in the list, and any combination of the items in the list.
The teachings of the invention provided herein can be applied to other systems, not necessarily the system described herein. These and other changes can be made to the invention in light of the detailed description. The elements and acts of the various embodiments described above can be combined to provide further embodiments. Any patents, applications or other references, including any that may be listed in the accompanying filing papers, are incorporated herein by reference.
These and other changes can be made to the invention in light of the above detailed description. While the above description details certain embodiments of the invention and describes the best mode contemplated, no matter how detailed the above appears in text, the invention can be practiced in many ways. Details of configurations, functions, etc. may vary considerably in implementation details, while still being encompassed by the invention disclosed herein. As noted above, particular terminology used when describing certain features, or aspects of the invention should not be taken to imply that the terminology is being re-defined herein to be restricted to any specific characteristics, features, or aspects of the invention with which that terminology is associated. In general, the terms used should not be construed to limit the invention to the specific embodiments disclosed in the specification, unless the above Detailed Description section explicitly defines such terms. Accordingly, the actual scope of the invention encompasses not only the disclosed embodiments, but also all equivalent ways of practicing or implementing the invention under the claims.
While certain aspects of the invention are presented below in certain claim forms, the inventors contemplate the various aspects of the invention in any number of claim forms. For example, while only one aspect of the invention is recited as embodied in a computer-readable medium, other aspects may likewise be embodied in a computer-readable medium. Accordingly, the inventors reserve the right to add additional claims after filing the application to pursue such additional claim forms for such aspects of the invention.
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|U.S. Classification
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|International Classification
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|Certificate of correction
|Mar 23, 2012
Owner name: JPMORGAN CHASE BANK, N.A., NEW YORK
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:WASHINGTON MUTUAL, INC.;REEL/FRAME:027918/0915
Effective date: 20120319
|May 8, 2015
|Fee payment
Year of fee payment: 4


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Employee benefits specialists are responsible for ensuring that all qualified employees receive the benefits that they request. Their position is also of consultation, as they consult with employees to ensure that they receive the most suitable benefits packages. They also conduct negotiations with insurance companies to ensure this.Read More...
These specialists deal with various aspects of employee benefits packages, so they must be highly knowledgeable in the areas of insurance and financial investments, as most companies offer investments as part of employee packages. They must also conduct research, so it's important to stay up-to-date on all changes within these fields.
Employee benefit specialists should have strong oral and written communication skills, as they communicate constantly with both insurance companies and employees regarding benefits and must be able to explain themselves in a proficient and professional manner. A bachelor's degree in the field of human resources is generally required for this position, and many employers prefer candidates who have exceptional field-related experience.
Median of all compensation (including tips, bonus, and overtime) by years of experience.
Employee Benefits Specialists with more experience do not necessarily bring home bigger paychecks. In fact, experience in this field tends to impact compensation minimally. The average beginner in this position makes around $41K, but folks who have been around for five to 10 years see a markedly higher median salary of $46K. Employee Benefits Specialists see a median salary of $51K after reaching one to two decades on the job. Individuals who have achieved more than 20 years of experience don't seem to earn much more than people who have 10 to 20 years under their belts; the more senior group reports an average income of $54K.
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