Michael L Guido

US Patent:

7895109, Feb 22, 2011

Filed:

Feb 6, 2007

Appl. No.:

11/671625

Inventors:

Jacob M. Herschler - Southport CT, US
Daniel O. Kane - Florham Park NJ, US
N. David Kuperstock - Woodbridge CT, US
Robert Francis O'Donnell - Harwinton CT, US
Steven Lee Putterman - West Hartford CT, US
Dain Eric Runestad - Woodbridge CT, US
Robert J. Schwartz - West Granby CT, US
Nicholas Berardis, Jr. - Middlebury CT, US
John L. Grucza - Southington CT, US
Michael Albert Guido - Southbury CT, US
J. Scott Dunn - Rocky Hill CT, US

Assignee:

The Prudential Insurance Company of America - Newark NJ

International Classification:

G06Q 40/00

US Classification:

705 36R, 705 4, 705 35

Abstract:

One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.

US Patent:

8396774, Mar 12, 2013

Filed:

Feb 6, 2007

Appl. No.:

11/671679

Inventors:

Jacob M. Herschler - Southport CT, US
Daniel O. Kane - Florham Park NJ, US
N. David Kuperstock - Woodbridge CT, US
Robert Francis O'Donnell - Harwinton CT, US
Steven Lee Putterman - West Hartford CT, US
Dain Eric Runestad - Woodbridge CT, US
Robert J. Schwartz - West Granby CT, US
Nicholas Berardis, Jr. - Middlebury CT, US
John L. Grucza - Southington CT, US
Michael Albert Guido - Southbury CT, US
J. Scott Dunn - Rocky Hill CT, US

Assignee:

The Prudential Insurance Company of America - Newark NJ

International Classification:

G06Q 40/00

US Classification:

705 36R

Abstract:

One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account and on a first periodic basis: determining a specified percentage of the value of the financial account, determine the greater of a particular limit and the highest value of the financial account multiplied by the specified percentage on a second periodic basis, and in response to a determination that the highest value of the financial account multiplied by the specified percentage on the second periodic basis is greater than the particular limit, stepping-up the particular limit to equal the highest value of the financial account multiplied by the specified percentage on the second periodic basis.

US Patent:

8504460, Aug 6, 2013

Filed:

Feb 17, 2011

Appl. No.:

13/029858

Inventors:

Jacob M. Herschler - Southport CT, US
Daniel O. Kane - Florham Park NJ, US
N. David Kuperstock - Woodbridge CT, US
Robert F. O'Donnell - Harwinton CT, US
Steven L. Putterman - West Hartford CT, US
Dain E. Runestad - Woodbridge CT, US
Robert J. Schwartz - West Granby CT, US
Nicholas Berardis, Jr. - Middlebury CT, US
John L. Grucza - Southington CT, US
Michael A. Guido - Southbury CT, US
J. Scott Dunn - Rocky Hill CT, US

Assignee:

The Prudential Insurance Company of America - Newark NJ

International Classification:

G06Q 40/00

US Classification:

705 36R

Abstract:

One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.

US Patent:

20080189218, Aug 7, 2008

Filed:

Feb 6, 2007

Appl. No.:

11/671598

Inventors:

Jacob M. Herschler - Southport CT, US
Daniel O. Kane - Florham Park NJ, US
N. David Kuperstock - Woodbridge CT, US
Robert Francis O'Donnell - Harwinton CT, US
Steven Lee Putterman - West Hartford CT, US
Dain Eric Runestad - Woodbridge CT, US
Robert J. Schwartz - West Granby CT, US
Nicholas Berardis - Middlebury CT, US
John L. Grucza - Southington CT, US
Michael Albert Guido - Southbury CT, US
J. Scott Dunn - Rocky Hill CT, US

International Classification:

G06Q 40/00

US Classification:

705 36 R, 705 35

Abstract:

One embodiment of the invention is a method for providing a financial instrument that includes determining an initial account balance associated with a financial instrument, establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum positive growth rate, establishing a second guarantee that a beneficiary may receive a transfer of an amount of money, and establishing an agreement to allow at least a portion of the account balance to be transferred from one or more selected investments to one or more alternative investments in response to a triggering event.

US Patent:

20130221031, Aug 29, 2013

Filed:

Feb 20, 2013

Appl. No.:

13/771290

Inventors:

Michael Guido - Smithtown NY, US

International Classification:

B67D 7/80

US Classification:

2221466, 2221811

Abstract:

Improved ice luge trays and methods for use and assembly thereof. The ice luge trays include a trough and a lid that fits above the trough. The trough, with the lid disposed thereon, is configured to be filled with water and placed in a freezer to form an ice block. The lid includes features that forms a channel extending along or through the ice block. The tray is mounted on a support structure to enable a beverage to be chilled as it flows down the channel under gravity, and delivered to a drinking vessel or directly into the mouth of a user.

US Patent:

20140196232, Jul 17, 2014

Filed:

Jan 14, 2014

Appl. No.:

14/154687

Inventors:

Michael Anthony Guido - Smithtown NY, US

International Classification:

A46B 5/00
A46B 9/02

US Classification:

151431

Abstract:

Provided is a barbecue grill brush including a cleaning head. The barbecue grill brush includes a straight handle. A first end of the straight handle is coupled to the cleaning head and a second end of the straight handle is coupled to a hinge. The barbecue grill brush includes a curved handle. A first end of the curved handle is coupled to an opposite side of the hinge from the straight handle, and the hinge is configured to rotate the curved handle with respect to the straight handle. A first handle grip disposed adjacent to the first end of the curved handle, and a second handle grip disposed at a second end of the curved handle. The second end of the curved handle is opposite to the first end of the curved handle.