Abstract: A method for facilitating pill splitting includes evaluating prescription pills regarding their hardness, fragility, structural features such as encapsulation and/or time release, uniformity of composition, availability with scoring, and/or criticality of dosage to determine candidates for pill splitting. Pharmaceutical price databases can be reviewed for flat pricing to predict cost savings due to splitting of higher dosage pills. In embodiments, pharmacies are identified that are willing to score and/or split pills before dispensation. Guidelines for evaluating suitability of patients for patient pill splitting can also be included. The information is provided to doctors, and in embodiments also to medical insurers, government agencies, and/or patients. The information can be mailed, posted on a website, and/or sent by electronic messaging. Revenue can result from subscriptions, grants, and advertising.

Abstract: The present invention is a method for managing funds in anticipation of paying at least two financial obligations, such as an estimated tax payment and a mortgage payment. The due dates and amounts due are determined from customer financial information. During an escrow period leading up to the first obligation due date, amounts of money are transferred on at least two occasions from a customer account into a second account, whereby the combined value of the transferred amounts substantially matches the estimated tax or other amount due for the first obligation. The transfer amounts and/or timing are adjusted so as to maintain sufficient funds in the customer account for paying the other obligations. The transferred money is used to automatically pay the first obligation on or near the due date. In embodiments, the customer can access the money in the second account until the first financial obligation is paid.

Abstract: Embodiments of the present invention may provide a method and system for accepting financial information from a customer for generating an estimated tax due to the taxing authority and a date by which the estimated tax is due, and periodically impounding an amount of money from an account held by the customer, where each amount impounded is less than the estimated tax and the combined value of the amounts impounded by the date substantially match the estimated tax.

Abstract: Embodiments of the present invention may provide a method and system for accepting financial information from a customer for generating an estimated tax due to the taxing authority and a date by which the estimated tax is due, and periodically impounding an amount of money from an account held by the customer, where each amount impounded is less than the estimated tax and the combined value of the amounts impounded by the date substantially match the estimated tax.