Aureon Kwolek - Ideas by Aureon

INFLATION BALANCING SECURITY PLATFORM

(( IBSP ))

A METHOD INVENTION

DENIS JON KWOLEK

Inventor

Definition:

INFLATION BALANCING SECURITY PLATFORM - What is it?

“Inflation Balancing” includes a streamlined - automated method of tracking and measuring inflation - and then periodically adding incremental electronic payments to worker’s paychecks - to adjust for inflation…

Compare IBSP to the “Prior Art” Social Security Cost of Living Adjustment (COLA):

Social Security Cost of Living Increase is a yearly adjustment - added to Social Security Retirement Benefits - to compensate Retirees for inflation.

Whereas - THE INFLATION BALANCING SECURITY PLATFORM (( IBSP)) increases employee pay - repeatedly - throughout the year - resulting in slightly higher pay every week - to offset inflation and directly proportional to the rising cost of living…

IBSP is performed periodically - such as yearly - quarterly - monthly - weekly - daily - or in real time - whatever time period works best under the circumstances. However, the preferred embodiment is to apply gradual pay increases to paychecks - on a weekly basis. In this scenario, inflation balancing is refreshed 52 times a year. IBSP is a fully automated method of perpetual pay increases of variable amounts - added to the paychecks of working employees, independent contractors, and most all other forms of paid workers - to compensate them for inflation. Hence, the term “inflation balancing” paychecks. In contrast to paychecks that would otherwise be worth less and less - over time…

When we put the new platform in place, then, worker income will be automatically adjusted higher and higher as inflation devalues our money lower and lower…

Social Security COLA - is specifically used just once a year on Retirees drawing Social Security Government payments. Whereas INFLATION BALANCING SECURITY PLATFORM (( IBSP )) is a “Universal Method” - which can be integrated into every worker’s weekly paycheck. IBSP Can also operate in the private sector - as a weekly company benefit - with or without government authority - Whereas SS COLA is exclusively a once a year Government benefit - orchestrated by the Social Security Administration…

However, when “Inflation Balancing” and Social Security contributions come together in a worker’s paycheck - the amounts that workers contribute to the Social Security system will also increase in small increments - in proportion to the “Inflation Balancing” payments added to their pay.

INFLATION BALANCING SECURITY PLATFORM may help to make our endangered Social Security System solvent - which is currently being devalued by inflation.

Every year, Social Security recipients have to wait a whole year for their benefits to be adjusted upwards for inflation, and some of the funds are typically diverted to the increasing cost of Medicare. Then, whatever is left goes to the Retiree. So, they may never see the full amount of the COLA benefit added to their SS checks…

In the early stages, “Inflation Balancing” would operate as a beta program or trial period, perhaps independent of government control, and later adopted by goverment. The first few companies embracing IBSP will use these automated incremental pay increases as an employee benefit - to attract and to hold new talent to their business empires - while other companies may hold out until they are losing employees - or until IBSP is passed into law and implemented - by business - by cities - counties - states - or across the board - by the Federal Government - or by any entity - large or small…

If Inflation dips - the preferred embodiment of this method invention is to allow pay to temporarily level-out - until inflation takes pay higher again, as is always what happens. Inflation is perpetual. So we must learn how to live with it, and that’s what “inflation balancing” is all about. It’s a method of neutralizing the perpetual higher cost of living.

The main problem today is that employees are being exploited by billionaires and big business - who want employee pay to lag way behind inflation - sometimes years behind - while the rich and the greedy fight to keep pay as low as possible - However - suppressing pay - is a lose-lose equation - whereas the invention herein described is a win-win. The benefits of IBSP will - in time - wipe-out the old suppress-pay ideology.

In reality - balancing inflation with small increments of higher pay will benefit business as well. Business will discover higher moral, higher productivity, and happy employees - who are no longer stressed-out by inflation and the higher cost of living - because their paychecks are being adjusted to it - This is likely to lower the cost of healthcare, Medicaid, and Medicare. Because people will be more likely to have their basic needs met , whereas currently, at times, they are going without.

What are the basic components of IBSP - the invention herein described?

1)) The inflation Tracking Component - collecting and analyzing inflation data and pricing - which we are already doing;

2)) Perpetually calculating the Cost of Living Index which varies from one location to another - which we are already doing;

3)) Upgrading Automated Payment Software that adjusts the paycheck slightly higher - to compensate workers for more or less “real-time” inflation - based on, for example, weekly summaries of Inflation data. And, for this, we already have software engineers skilled in the art.

IBSP includes a streamlined - automated method of tracking and measuring inflation and then periodically adding incremental electronic funds to worker’s paychecks…

The evolved version of IBSP optionally could use what could be called “inflation tracking site maps” - whereby mapped areas of a city - county - state - region - or the entire country - wherever raw data is being gathered and calculated - because inflation has different rates and different causes - in different places. So, the United States for example, theoretically, could be displayed as 10 or more regional inflationary site maps - where the rate of inflation would vary and-or fluctuate - compared to other site maps. Collecting data and calculating inflation rates in regions might be more accurate than a blended National average.

Pricing, Portions, and Rates of inflation - represented by numerous types of data - do not stay the same - They fluctuate in real time - and they vary - depending on the location where they occur. Although some forms of inflation are Nationwide, different parts of the country also have uniquely different rates of inflation - So an accurate method of collecting compiling and adjusting inflation data is needed to measure and neutralize unique regional streams of inflation…

Fortunately - in the United States, we already have a well-developed method for tracking inflation and the advanced industry to collect and apply the data needed to implement the invention herein described. And, we already have many professional experts, skilled in these arts…

However - IBSP will use the next generation of inflation and cost of living data for a new and different purpose - in the work-place and the paycheck - to neutralize “stress-flation”.

IBSP will be seamlessly integrated with existing paycheck software technology - including direct deposit…

INFLATION BALANCING SECURITY PLATFORM does not have to be created all at once. Models of IBSP

Can be created and tested in different types of organizations with employees being paid - such as: IBSP applied to a single business - a single company - a church, a non-profit, a school system - a hospital - a university - a city - county, etc. Start-up models can be introduced, using the new “inflation balancing” paycheck software, which can be tested in numerous different sectors - before launching a universal platform for State and Federal Government.

Furthermore, we can create and streamline computer operated bots and algorithms to do the work - with or without optional AI. Likewise - we already have automated paycheck software that will be - reprogrammed and integrated - with the advanced “inflation balancing” IBSP Method - by experts already skilled in the art - such that - paychecks are periodically adjusted upwards for inflation on a regular bases…

We, the working class and the Populist Movement will no longer be manipulated by big business watching our paychecks drop down in value as our money is worth less and less - we will instead - prosper by having our paychecks continuously adjusted for inflation!

In the beginning - Why would Big Bussiness be against IBSP? Because it would appear to cost them more money to pay their employees - and that would cut into their profits - However - we are looking at A typical range of 3% to 4% inflation a year - which is a small price to pay - in order to eliminate employee stress, negative moral and the mental health issues caused by inflation…

Furthermore, Business is already paying for healthcare - which is far more than the cost of adjusting for inflation - And Business is already paying half of their employees’ Social Security - with 6% matching funds. Business is also matching up to 6% of employee income being transferred into retirement funds. So business should welcome a method of “inflation balancing” that eleviates stress and increases moral and productivity in the workplace…

IBSP can also be integrated with Social Security payments - on a monthly basis - in order to adjust for inflation - as it occurs - not a year after Retirees have struggled through it - This should also reduce elder stress and lower the cost of Medicare - thereby enhancing its solvency…

The problem: Inflation and the higher cost of living - The solution: a universal method of neutralizing inflation and the higher cost of living - optionally using adjustible algorithms - with or without the use of AI.

IBSP can also be operated in the private sector - as a company benefit - without government involvement or legislation - However - the preferred embodiment is a consensus to pass it into law and put the platform in place - so everyone will have it and benefit from it.

IBSP Is envisioned as a prosperity platform for all.

We will not win the war on inflation until we master it -

Inflation is the problem - INFLATION BALANCING SEURITY PLATFORM is the solution. Neutralize Inflation with a streamlined - automated paycheck method - the invention herein described!

INFLATION BALANCING SECURITY PLATFORM

(( IBSP ))

A METHOD

INVENTION

DENIS JON KWOLEK

Inventor

ALL CLAIMS FOR

“INFLATION BALANCING SECURITY PLATFORM”:

1)) CLAIM: THE INVENTOR CLAIMS ALL USES OF THE “INFLATION BALANCING SECURITY PLATFORM” AS DESCRIBED ABOVE.

2)) CLAIM: THE INVENTOR CLAIMS A UNIQUE AND NOVEL METHOD OF INFLATION BALANCING ALSO KNOWN AS INFLATION NEUTRALIZING - Whereby “Inflation Balancing” includes a streamlined - automated method of tracking and measuring inflation - and then periodically adding incremental electronic payments to worker’s paychecks - to adjust for inflation.

3)) CLAIM: THE INVENTOR CLAIMS the invention herein described in use by any entity - such as Federal

and-or State Goverment and Local Goverment - and any other entities such as Corporations, companies and businesses, privately owned - and-or publically owned - such as schools, colleges, universities, hospitals, non-profit organizations, independent contractors and consultants, online stores. markets, and social platforms, churches, institutions, and any other such entities with employee paycheck systems.

4)) CLAIM: THE INVENTOR CLAIMS the invention herein described used in combination with State and Federal employee payment software.

5)) CLAIM: THE INVENTOR CLAIMS the invention herein described in use by any entity - in combination with existing technology of any kind - including inflation and cost of living data collection and processing - including algorithms, “bots”, Robots, AI, and-or employee pay and-or paycheck software.

6)) CLAIM: THE INVENTOR CLAIMS the invention herein described used in combination with, integrated with, or as a replacement for the Social Security Administration Cost of Living Adjustment method known as COLA.

7)) CLAIM: THE INVENTOR CLAIMS any and all new uses of the invention herein described - including new use when combined with, and integrated with, or as a replacement for existing paycheck software for any and all entities.

8)) CLAIM: THE INVENTOR CLAIMS any and all new uses of the invention herein described - including new use when combined with, and integrated with, or as a replacement for existing data-related collection and analysis for any and all entities - including the combination of Inflation Tracking methods and-or cost of living endexes combined with employee pay and paycheck systems - and any other new uses related to these claims herein.

NEW USES OF EXISTING TECHNOLOGY

9)) CLAIM: THE INVENTOR CLAIMS any other new uses of the invention herein described when combined with new or existing technology.

10)) CLAIM: THE INVENTOR CLAIMS COPYRIGHT PROTECTION AND PATENT PENDING PROTECTION THAT EXTENDS INTO ALL NEW USES OF THE INVENTION HEREIN DESCRIBED - Any replication or similar use of the invention herein described is prohibited also under copyright law, unless the Inventor and-or his Assigns agree to the use in writing. AND FURTHERMORE - any changes made to this representation of the invention herein discribed by AI or by any other method of unauthorized changes is prohibited, unless agreed to by the Inventor and-or his Assigns - in writing.

A METHOD

INVENTION

DENIS JON KWOLEK

Inventor

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SAVINGS INFLATION BALANCING PROGRAM

(( SIBP ))

A METHOD INVENTION

DENIS JON KWOLEK

Definition and Specification:

SAVINGS INFLATION BALANCING PROGRAM (( SIBP ))

What is the problem with savings accounts?

The problem is, that inflation continues to drag-down the value of savings accounts - for weeks, months, and years.

To offset inflation, a banking institution, for example, would deposit “inflation balancing payments” - automatically added to employee savings accounts or member savings accounts.

Alternately, “inflation balancing payments” could be deposited by other entities - such as Federal, State or Local Governments, Employers, Non-Profits, Corporations, Universities, Institutions, etc. - Any viable source.

“Inflation balancing payments” are directly proportional to the rate of inflation, and payments can be performed, using high tech software programming - in real time, daily, weekly, monthly, or yearly intervals. The preferred method for the deposit is weekly, to coincide with paychecks, or monthly - whereby “inflation balancing payments” are recorded on monthly bank statements.

“Inflation balancing payments”, deposited into a savings account, for example, have a unique advantage. They are NOT structured as interest payments - because they are balanced against losses caused by “inflation devaluation” on savings. Therefore, “inflation balancing payments” are tax-free and not considered income - when used to balance “inflation devaluation” - the decreasing value of savings.

The Invention herein described will benefit low and middle class people, with savings accounts. Many of them are struggling - due to “Stress-Flation”. Many low and middle income individuals and families are likely to be living paycheck to paycheck, have little or no savings, or dipping into their savings to make ends meet - So, if they could receive “inflation balancing payments”, based on the rate of inflation, that would be the incentive for them to save and become more stable.

We must either contribute to low and middle income with “inflation balancing payments”, or at the very least, give an “inflation balancing” tax deduction to individuals, couples, and families whose savings are losing value due to inflation.

However, the bottom line is: These people need money to buy food and put a roof over their head. This also applies to millions of senior citizens and elders who are living on tight budgets and savings that are going down in value.

Financial troubles for the low and middle income is causing “StressFlation” - health problems, mental illness, abuse, and even crimes of desperation - which will be alleviated by “inflation balancing”.

The higher income brackets don’t need to be subsidized. Instead, they would benefit by writing-off their devalued savings as an income tax deduction. Whereby monthly inflation rates for the higher income accounts would be calculated over a 12 month period and then be used as a tax deduction - directly proportional to the rate of inflation.

“Inflation balancing payments”, for low and middle income, could also become a government program. This too would enhance the banking industry.

Alternately, “inflation balancing payments” could be structured as a non-taxible company benefit, for employees, and then used as a business tax write-off.

SAVINGS INFLATION BALANCING PROGRAM (( SIBP )) would also become an incentive to decrease the negative effects of inflation.

SAVINGS INFLATION BALANCING PROGRAM (( SIBP )) is fully automated, and the program can be viewed as a corrective measure, as a tax-free benefit, or as both.

Monthly “inflation balancing” deposits, for example are added preferably to savings accounts of employees and for members of banks and credit unions. This unique method is also a first new use of a savings account receiving “inflation balancing payments”, which is an advantageous, tax-free benefit.

Whereas, various types of monthly deposits into saving and checking accounts are currently being made, such as direct deposit, employee pay, Social Security,“tiny interest”, or whatever. Whereas interest on CDs and tiny interest on savings are considered taxable income.

“Inflation balancing payments” represent a new use of money - identifying inflation as a “savings loss” - and then balancing the negative affects of “inflation devaluation” with payments - Using an inflation index, using savings accounts, using advanced banking software programming - to directly compensate account holders for “inflation-devaluation”.

If inflation for the previous month was estimated to be 0.2% per month, for example, then 0.2% of the savings account balance is added to the savings account balance at the end of that month. If the “inflation index” for the next month is determined to be 0.3%, then 0.3% is added to the savings account the following month - and so on.

Preferably, for example, there would be 12 automated monthly deposits per year, or 52 automated weekly deposits per year.

Banks, credit unions, and other financial institutions can write-off “inflation balancing payments” either as a business expense or as a “non-taxible member benefit”.

As inflation fluxuates throughout the year, a total of 12 variable monthly amounts, or 52 variable weekly amounts - based on the rate of inflation - would be recorded as savings account deposits in a member savings account and posted to the monthly statement.

SAVINGS INFLATION BALANCING PROGRAM (( SIBP )) payments also offset higher employee “Raises” with lower employee “Raises”.

Alternately, these payments can originate from a variety of other organizations - such as Federal, State, Local Goverment, Employers, Investment and Retirement Accounts, Non-Profits - or by Banks and Credit Unions themselves - or by any other designated entity.

SIBP Savings accounts and CDs, balanced for inflation, can also accrue taxable interest, on top of SAVINGS INFLATION BALANCING PROGRAM (( SIBP )) payments, which are tax-free.

Hypothetically, using simple interest, with $10,000 in a savings account, if inflation averaged 3% for the year - that would be 12 automated payments totaling roughly $300 a year - added to a member savings account - or added to an employee savings account. This adjusts the account for inflation.

Bankers can benefit by writing off “inflation balancing payments” - either as a tax-free member benefit or as a deductible business expense. And employees come out ahead with the tax-free benefit, whereas “Raises” are subject to income tax.

Otherwise, funds in a savings account are perpetually going down in value - because of “inflation devaluation” - which low and middle income savers can not afford.

The invention herein described compensates the savings account holder for “inflation devaluation”. The new thinking is that savers should not lose money on their savings because of inflation.

SAVINGS INFLATION BALANCING PROGRAM (( SIBP )) automatically makes inflation balancing deposits” into a savings account. The big benefit is that savings accounts will no longer keep going down in value, because now we have “inflation balancing savings accounts”.

Other Uses and Ramifications:

Another advantage is:“Inflation balancing payments” implemented by Goverment, by banks and credit unions, or by employers, for example, are streamlined, automated payments - deposited into either a primary savings account, checking account, money market account, or deposited into a retirement account, such as an IRA or 401(k).

We might also structure SAVINGS INFLATION BALANCING PROGRAM (( SIBP )) as a “supplemental, tax- free retirement program” - a portion of which could be borrowed against through a banking service. Then you would pay yourself back through the service.

One variation of SIBP would deposit tax-free “inflation balancing payments”, as previously described - into a savings account - and then pledge a specific amount of the savings balance to a CD earning interest.

This is an SIBP savings account in a flexible relationship with a CD. Members themselves could also add or withdraw funds, while keeping the balance above the pledged amount of the CD. The programming would be designed accordingly. Since we now have algorithms, bots, AI, and numerous other computer methods, advanced computer programs are now possible.

Other Variations of SAVINGS INFLATION BALANCING PROGRAM (( SIBP )):

Alternately, if “inflation balancing payments” are funded with Government money, then some restrictions might be applied. Payments could be made to savings account holders with up to $200,000 maximum yearly income per married couple - or $100,000 maximum per single. Above that, couples and singles, making over the maximum income - instead of direct payments - they would get a “Savings Devaluation Loss” income tax write-off - due to savings accounts going down in value because of inflation.

How effective are “inflation balancing payments” as a method of mitigating inflation? They are instantaneous and continuous. There is no guesswork. They add stability. This is a much better method than raising interest rates on credit cards - which adds to “Stress-Flation” and anxiety - and undermines health and mental issues.

Likewise, a universal government program of “inflation balancing payments” is also a good way to stabilize inflation, and the banking industry as a whole. Government payments deposited into low and middle income savings accounts - to compensate consumers for “savings devaluation caused by inflation.

When implemented as a benefit tax write-off for banks, credit unions, corporations, and other entities - whatever they were paying out as “inflation balancing payments”, they would, in turn, take these as tax write-offs.

Whereas Federal, State, and Local Governments would not take write-offs. If we were to use public money to fund the program, that would be seen as a tax-free government benefit - a way to invest in ourselves and secure our future.

SAVINGS INFLATION BALANCING PROGRAM (( SIBP )) is a “Low and Middle Income” program - relieving stress from the people who need help.

Alternately, if structured as a Government Program, the dollar amount of savings - to qualify to receive payments or the write-off - could be limited to $200,000 dollars for a couple and $100,000 per individual on their entire savings - or whatever amount appropriate. Optionally, There would be a maximum amount where “inflation balancing payments” would end, while the tax write-off would remain in affect.

“Inflation Balancing” can also be implemented for checking accounts - based on the average weekly or monthly balance - using basically the same method herein described.

SAVINGS INFLATION BALANCING PROGRAM (( SIBP )) will be a big incentive for members to save more money and to enjoy the benefits and security of “inflation balancing”. As people retire, it will enhance their retirement funds and Social Security payments - helping Seniors. Because their savings will no longer be shrinking in value - That will reduce stress, create a psychological boost, and improve mental health. “Stress-Flation” should, one day be a thing of the past. And the Invention herein described is one step toward that goal.

Members could take advantage of tax-free “inflation balancing payments” on their savings account, in order to use their savings to secure a low interest loan. The account holder would still have access to funds above the declining principle on the loan balance. Again with the option of using algorithms, bots, and AI.

SAVINGS INFLATION BALANCING PROGRAM (( SIBP )) is likely to be very popular and may out- perform advertising - as a method for creating new business in the banking industry. The first financial institution to implement the program may see a dramatic surge in savings accounts, membership, and the amount of money financial institutions can lend out against the expansion of member savings. This will offset the cost and pave the way for expansion and increased market share for car loans, home loans, and business loans. And if “inflation balancing payments” are carried-out by a government program, that would enhance banks and credit unions as well. Thus, SIBP can also be structured as an economic stimulus program.

The rate of inflation on a month to month basis can be estimated by using current indexes such as regional inflation index, a cost of living index, a consumer price index, SS “Cost of Living Adjustment” (( COLA)), or by any other means. Perhaps a new inflation index customized for the Invention herein described.

To implement SIBP as herein described, we already have expert services providing inflation information, people skilled in the art of summarizing financial data, and upgrading automated financial software programs - which may or may not include algorithms, bots, and-or AI.

We are already adding “tiny interest” deposits to monthly banking statements. We already have automated electronic payment systems in place. Therefore, implementing “inflation balancing payments” to savings and checking accounts is relatively simple and straight forward.

It is surprising that we have, until now, either side-stepped or overlooked that savings and checking accounts become devalued due to inflation. Banks and credit unions are typically paying only a fraction of the actual value of a savings account - SIBP would level the playing field.

At the very least, SIBP will cover the depositors loss due to inflation over time. The new ideology is - depositors should not lose value on their savings accounts due to “inflation devaluation”. Perhaps, financial institutions should now see their relationship with customer savings accounts as partnerships - and a benefit to the community.

The invention herein described also introduces one new type of loan - THE “STAIR STEP”. In contrast to the ARM loan, where the monthly payments increase on a yearly basis, the “STAIR STEP” loan payment goes down every month. This is because it is fully pre-programmed and automated to refinance or re-amortize the “declining balance” every month, such that the monthly payment decreases every month as the loan balance is paid down.

In contrast, conventional loans are amortized to process equal payments, for the life of the loan - whereas “Stair Step” loans have a different and a decreasing payment every month. This method can be applied to any type of loan, such as car loans, home loans, personal loans, or business loans, for example. “Stair Step” loans, which are likely to be very popular with the members, can stand alone or be combined with

SAVINGS INFLATION BALANCING PROGRAM (( SIBP )) - the principle invention.

Like most any other type of loan, “Stair Step” loans can be secured by a savings account or other assets. And, optionally, as the balance declines, portions of savings funds”, for example, can be automatically released after each payment and made available to the account holder. “Savings Inflation Balancing Program” combined with a “Stair Step” loan is a unique and novel method of banking and lending. A savings account adjusted higher for inflation; combined with a loan with monthly payments adjusted lower and lower on the declining balance. With the release of savings funds fully automated for the account holder. Along with the lower rate of a secured loan.

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) Is a novel method for compensating people for inflation and for reducing stress and anxiety - due to higher prices. It’s also a way for securing our future, because increased savings makes us feel more secure. Likewise, if we decrease stress and anxiety, we can also reduce healthcare costs. This is a benefit to our community and our multifaceted culture.

CLAIMS:

1)) CLAIM:

The Inventor claims the exclusive right to Combine two methods of “Inflation Balancing”:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

- In Combination With -

Another Method of Inflation balancing called:

INFLATION BALANCING SECURITY PLATFORM

(( IBSP )) - a way to balance inflation by adjusting paychecks higher, in order to compensate working people for “inflation devaluation”.

A METHOD

INVENTION

Another Patent Pending by the same Inventor - Application Number 63/732,525

Patent and Trademark Office File Date: 8-26-24

DENIS JON KWOLEK

Same Inventor

Definition:

INFLATION BALANCING SECURITY PLATFORM - What is it?

2)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With -

A “Stair-Step” Loan - as described above:

3)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With -

A savings instrument earning interest - know as a CD or “Certificate of Deposit.

4)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With -

An IRA - also know as an “Individual Retirement Account”.

5)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With -

A 401(k) - investment account”.

6)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With -

A “Money Market Account”.

7)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With -

A “Checking Account”.

8)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With -

A “Matching Funds” financial process.

9)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With -

Any form of “Goverment Program” - administered or sponsored by Federal, State, County, City, or township.

10)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With -

Banks, Credit Unions, all forms of financial institutions, and the like.

11)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With -

Public or Private

Corporations and all forms of businesses, clubs, social networks, websites - and the like - including global organizations and Foreign Governments.

12)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With - Non-profits and legal institutions of any kind.

13)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

In Combination With - the use of a income tax write-off or deduction as described above.

14)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

When structured as an employee benefit as described above.

15)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

When structured as a Goverment Benefit as described above.

16)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described

When structured as a “Beneficial Financial Instrument” as described above.

17)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) - The Invention Herein Described -

When structured as a “tax-free payment method” which reimburses savings or checking account holders for losses due to “Inflation Devaluation”.

18)) CLAIM:

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP )) utilizes existing and developing technology for implementing the invention herein described. The SIBP method or methods described above hereby extend into the electronic software programming and into the code written, as needed, to implement SIBP method. This includes the SIBP “Copyright Claim” and the SIBP “Patent Pending Claims” based on the Invention herein described.

SAVINGS INFLATION BALANCING PROGRAM

(( SIBP ))

A METHOD

INVENTION

DENIS JON KWOLEK

Tip the Artist