Abstract: Systems, methods, and computer program products are provided for a dynamic determination of the budget impact on expenditures, such as expenditures, potential expenditures, cost adjustments and the like. Implemented in conjunction with a budget tracking system, the budget impact determiner of the present invention may provide for both short-term budget impact and long-term budget impact. In addition, certain embodiments provide for recognizing recurring expenditures and automatically providing the user with the budget impact of such recurring expenditures.

Abstract: Apparatus and methods for providing a personal financial network service are provided. The method may use an electronic information processing platform. The method may include storing information relating to a first participant account. The method may also include storing information relating to a second participant account. The systems and methods of the invention may further include storing information relating to a group of accounts containing the first participant and the second participant account, wherein first said account and second said account are stored independently of one another.

Abstract: Apparatus and methods for configuring a flexible pension account are provided. A flexible pension account may be offered as a product of a financial institution. Terms governing contribution of funds to the account, distribution of funds from the account, modifications to the account and management of the account may be chosen to create an account customized toward individual customer needs. The flexibility within the account design allows for unequal contributions from a variety of contributors as well as unequal distributions to a variety of beneficiaries. The flexible design may be combined, in certain embodiments, with tax-deferred growth and a minimum income guarantee. Account management and modification may be in the hands of an account administrator.

Abstract: Apparatus and methods for configuring a master financial account providing comprehensive access to financial services are provided. A master account may be configured for a customer of a financial institution. The master account holder may build a customized array of financial services which may be accessed and managed through the master account. Benefits associated with use of a sub-account may accrue collectively in the master account.

Abstract: A method for providing a lifestage insurance product for a customer includes receiving an insurance allocation for each of a plurality of lifestages. The plurality of lifestages includes a first lifestage and a second lifestage. Insurance coverage of a first lifestage is provided for the customer in accordance with the insurance allocation of the first lifestage. The insurance coverage from the insurance allocation for the first lifestage is shifted to the insurance allocation for the second lifestage upon determining a shift in lifestages has occurred.

Abstract: Apparatus and methods for providing an online financial social network service to a user. The method may include storing in a computer information about a financial goal of a first user. The method may additionally include receiving instructions to present a display reflecting the stored financial goal information. The method may also include authenticating a second user to access the first user online financial social network account.

Abstract: A laser medical device for delivering energy to tissue to be treated. The device includes a laser energy transmitting conduit having a longitudinal axis, and has a proximal end for connection to a source of laser energy and a distal end from which laser energy transmitted by the conduit is emitted. A laser energy redirecting member is located adjacent the distal end of the conduit for redirecting the laser energy in a lateral direction with respect to the axis of the conduit, and a tissue contact member is provided adjacent the laser energy redirecting member. The tissue contact member has a transverse cross section of preselected shape and a longitudinal axis generally transverse to the axis of the conduit. The tissue contact member further has an input surface for receiving laser energy redirected by the laser energy redirecting member and transmitting the laser energy received from the laser energy redirecting member.