Abstract: A method for saving money through payroll withholding, including: obtaining, for a tax year, a projected tax liability of an employee and a target savings amount selected by the employee; identifying, for the tax year, multiple pay periods for the employee; calculating multiple of tax withholding amounts for the multiple pay periods based on the projected tax liability; calculating multiple savings withholding amounts for the multiple pay periods based on the target savings amount; withholding the multiple tax withholding amounts and the multiple savings withholding amounts from multiple paychecks of the employee corresponding to the multiple pay periods; sending the multiple tax withholding amounts to a tax authority for paying the projected tax liability; and disbursing the target savings amount from a financial account funded by the multiple savings withholding amounts.

Abstract: A process for providing a year-round tax monitor whereby baseline tax data and current year-to-date tax data for a user is obtained. Data representing current tax year directives made by the user, and/or data representing tax related choices made by the user in the current tax year to date, and/or data representing tax related events associated with the user in the current tax year to date is also obtained. Using the baseline tax data, and/or current year-to-date tax data, and/or the data representing current tax year directives made by the user, and/or the data representing tax related choices made by the user in the current tax year, and/or the data representing tax related events associated with the user for the current tax year, an estimate and/or projection of tax liability for the current tax year is calculated and a projected tax refund that will be owed to, or a tax liability that will owed by, the user for the current tax year is estimated.

Abstract: This is a hand-propelled wheeled device for a rider. The device includes: a frame with two sides; a first and second drive wheel rotatably mounted to the two sides; a first hand crank connected to the first drive wheel through a first crank hub, and a first wheel hub that is connected to and rotates the first drive wheel; a second hand crank connected to the second drive wheel through a second crank hub, and a second ratcheting hub that is connected to and rotates the second drive wheel; at least one shifting mechanism to change a leveraging ratio between the first hand crank and the first drive wheel and between the second hand crank and the second drive wheel; a pivoting backrest connected to the frame, wherein the pivoting backrest provides continuous back support to the rider; an adjustable hammock seat connected to the frame; a third support connected to the frame; and a braking mechanism to retard movement of the first and second drive wheels.

Abstract: This is a hand-propelled wheeled device for a rider. The device includes: a frame with two sides; a first and second drive wheel rotatably mounted to the two sides; a first hand crank connected to the first drive wheel through a first crank hub, and a first wheel hub that is connected to and rotates the first drive wheel; a second hand crank connected to the second drive wheel through a second crank hub, and a second ratcheting hub that is connected to and rotates the second drive wheel; at least one shifting mechanism to change a leveraging ratio between the first hand crank and the first drive wheel and between the second hand crank and the second drive wheel; a pivoting backrest connected to the frame, wherein the pivoting backrest provides continuous back support to the rider; an adjustable hammock seat connected to the frame; a third support connected to the frame; and a braking mechanism to retard movement of the first and second drive wheels.

Abstract: This is a hand-propelled wheeled device for a rider. The device includes: a frame with two sides; a first and second drive wheel rotatably mounted to the two sides; a first hand crank connected to the first drive wheel through a first crank hub, and a first wheel hub that is connected to and rotates the first drive wheel; a second hand crank connected to the second drive wheel through a second crank hub, and a second ratcheting hub that is connected to and rotates the second drive wheel; at least one shifting mechanism to change a leveraging ratio between the first hand crank and the first drive wheel and between the second hand crank and the second drive wheel; a pivoting backrest connected to the frame, wherein the pivoting backrest provides continuous back support to the rider; an adjustable hammock seat connected to the frame; a third support connected to the frame; and a braking mechanism to retard movement of the first and second drive wheels.

Abstract: A finishing station is arranged whereat stitching or stapling may occur and includes a stapling device having a stapling head and its cooperating anvil arranged for pivotal movement into and out of an active stapling position. A motor driven eccentric linkage effects swinging of the stapling device about a vertical pivot so as to bring the head and anvil into a stapling position relative to a corner of a set being stapled.

Abstract: Improved document handling for a xerographic copier with automatic feeding onto, and ejection of documents from, a full size conventional document copying platen is provided by a vacuum belt system in a platen cover unit. The document support surface of the vacuum belt is spaced slightly above the platen for low friction document movement, yet maintained within copying focus. This document support and background surface of the belt is smooth, planar and continuous and stationary during copying so as to provide document flattening and allow document copying on the platen by the conventional stationary document copying optics. Book copying or manual copying can be provided on the same platen by pivotal removal of the platen cover unit away from the platen. A document pre-registration and skew-correction system is disclosed in which over-platen registration is not required. A pivotal system is also disclosed for limited lifting of the vacuum belt system for document ejection assistance.

Abstract: Electrically conducting adhesive composition comprising crosslinked alkyl acrylate and/or alkyl methacrylate polymer, specially prepared electrically clean silver particles, and a suspending or thickening agent such as silica of large surface area dispersed in a low-boiling solvent system.