Abstract: Systems and methods that may be used to provide a predictive tax loan or other monetary advance before the loan recipient (e.g., a taxpayer) prepares and files its tax return. A risk of providing a predictive tax loan or monetary advance is modeled separately from a machine learning model used to determine the anticipated tax refund amount and tax loan. The disclosed systems and methods may also predict accurate tax withholdings based on multiple machine learning models from multiple services, including non-payroll related services.

Abstract: A seating unit containing a foldable bed includes: a seating unit frame having a pair of opposed arms; a housing including a storage cavity, the housing fixed to the arms of the seating unit frame; a seat section; an intermediate section; a head section; and a mechanism having pivotally interconnected links, the mechanism interconnecting the base with the head, intermediate and seat sections.

Abstract: A method for managing a tax refund account by a taxpayer, comprising obtaining a tax refund account comprising financial information associated with the taxpayer, wherein the financial information comprises tax information, calculating a current refund balance representing a value of the tax refund account for the taxpayer contemporaneously with displaying the current refund balance, wherein the value of the tax refund account is based on the tax information of the taxpayer, displaying a list of contributions, wherein the list of contributions comprises a plurality of activities and a value associated with each of the plurality of activities, adjusting the current refund balance based on at least the list of contributions to obtain an estimated refund amount, and displaying the estimated refund amount comprising an estimated value of a tax refund.

Abstract: A convertible couch bed that consists of a frame (20) that has a pair of opposed ends (22) with each end having a horizontal upper surface (24), an arm (26) and a plurality of legs (28). The frame includes a pair of lower longitudinal supports (30) and a upper longitudinal support (32) attached between the ends. A mattress support structure (34) is positioned between the ends and sustained by the lower longitudinal supports and a mattress (36) is positioned on the support structure forming a comfortable seat for sitting on the front portion. An upholstered top (38) covers the rear portion of the mattress and is attached to the frame with a piano hinge (44). An upholstered back (48) is attached to the top allowing the back to fold upward in accordion fashion and rest upon the frame thereby permitting conversion of the couch into a bed by exposing the entire mattress therefore forming a bed suitable for sleeping.

Abstract: A recliner chair which converts from a chair configuration to a bed configuration in a single motion. The chair includes a frame, a seat, a back, an intermediate member and a linkage which provides the conversion from chair configuration to bed configuration upon forward movement of the seat relative to the frame. The linkage is comprised of two crossed links, each pivotally attached to the frame, one of which is slideably connected to the underside of the seat, the other of which is pivotally attached to the intermediate member. The links are interconnected by a bushing which is slideably attached to one link and rotatably attached to the other link.

Abstract: A fold-down seat frame for a motor vehicle is provided. The seat includes a seat bottom disposed in a predominantly horizontal position and a seat back adapted for movement between a predominantly vertical seating position and a predominantly horizontal reclined position. The seat back and seat bottom share an adjacent edge that forms a vertex between the two. An auxiliary section is adapted for movement between a seated position and a reclined position. When in the seated position, the auxiliary section is located substantially below the seat bottom, and when in the reclined position, the auxiliary section is interposed between the seat back and seat bottom and aligned in substantially horizontal fashion therewith. A hinging assembly interconnects the seat back, and the seat bottom, and the auxiliary section and operates to controllably and concertedly move the seat back, the seat bottom, and auxiliary section between the seated and reclined positions.

Abstract: A fold-down seat frame for a motor vehicle is provided. The seat includes a seat bottom disposed in a predominantly horizontal position and a seat back adapted for movement between a predominantly vertical seating position and a predominantly horizontal reclined position. The seat back and seat bottom share an adjacent edge that forms a vertex between the two. An auxiliary section is adapted for movement between a seated position and a reclined position. When in the seated position, the auxiliary section is located substantially below the seat bottom, and when in the reclined position, the auxiliary section is interposed between the seat back and seat bottom and aligned in substantially horizontal fashion therewith. A hinging assembly interconnects the seat back, and the seat bottom, and the auxiliary section and operates to controllably and concertedly move the seat back, the seat bottom, and auxiliary section between the seated and reclined positions.

Abstract: A foldable sofa sleeper mechanism having pivotally interconnected head, body, intermediate, and foot sections movable between a folded position in which the mechanism is contained within a storage enclosure of a sofa frame, and an extended unfolded position in which the bed frame extends in a planar attitude away from the sofa frame, and tilt prevention means for preventing the head end of the unfolded sofa sleeper mechanism from tilting downwardly when an excessive weight is placed thereon, which tilt prevention means includes at least one anti-tilt link and at least one anti-tilt lever, wherein one end of the link is connected to the mechanism at one location and the other end of the link is connected to one end of the lever, with the lever being pivotally connected to the mechanism at another location.

Abstract: A convertible sofa-bed is disclosed which has a seating area, a back rest, and a mechanism support frame located below the seating area. A folding mechanism for supporting a mattress when the mechanism is unfolded and for supporting a seat in the seating area when folded with the mechanism located within the frame below the seat is also provided. The mechanism has first, second and third main sections, a fourth auxiliary section pivotally interconnecting the first and second sections, a fifth auxiliary section pivotally interconnecting the second and third sections, and a linkage mechanism operatively engaged with the third section for supporting the mechanism in the support frame. An additional linkage mechanism permits the three main sections to be folded over one another in an overlapping generally parallel relationship, so that the entire mechanism can be supported within the frame below the seating area of the sofa-bed.

Abstract: A sofa bed mechanism consisting of three sections, namely, a rear section, an intermediate section, and a front section, that are foldable between collapsed sofa positions in which the sections are in substantially horizontal vertically stacked positions and bed positions in which the sections extend in substantially horizontal alignment. A frame supports the sections, the frame being of minimum width by which is meant the frame is of a shallow dimension in a direction front to rear of the sofa. The sections are stacked on top of the frame in their sofa positions so that the frame and the sections present a compact substantially rectangular profile when viewed from the end of the frame, thereby allowing substantial flexibility in the design of the sofa in which the mechanism is mounted. The end sections are connected by hinge assemblies located entirely on the sides of the assemblies to avoid the necessity for any cross tubes that might interfere with sleeper comfort in the bed position of the mechanism.