SOFTWARE-BASED LIFESTYLE MANAGEMENT TOOL
First Claim
1. A computer-implemented method comprising:
- determining, using at least one processor, a first work optional date, wherein the first work optional date is a date in which a user'"'"'s retirement income is greater than a user'"'"'s expenses;
receiving, using the at least one processor, past health characteristics of the user, current health current characteristics of the user, and future health characteristics of the user;
deriving, using the at least one processor, an estimated date of death of the user based on the received health characteristics of the user;
calculating, using the at least one processor, the net present value of the user'"'"'s income less expenses each year from the first work optional date until the estimated date of death; and
determining, using the at least one processor, a second work optional date, wherein the second work optional date is a date in which the net present value of the user'"'"'s income moves from negative to positive.
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Accused Products
Abstract
A lifestyle management tool may determine a first work optional date, wherein the first work optional date is a date in which a user'"'"'s retirement income is greater than a user'"'"'s expense. The tool may also receive past health characteristics of the user, current health current characteristics of the user, and future health characteristics of the user. The tool may further derive an estimated date of death of the user based on the received health characteristics of the user. The tool may also calculate the net present value of the user'"'"'s income less expenses each year from the first work optional date until the estimated date of death. The tool may also determine a second work optional date, wherein the second work optional date is a date in which the net present value of the user'"'"'s income moves from negative to positive.
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Citations
20 Claims
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1. A computer-implemented method comprising:
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determining, using at least one processor, a first work optional date, wherein the first work optional date is a date in which a user'"'"'s retirement income is greater than a user'"'"'s expenses; receiving, using the at least one processor, past health characteristics of the user, current health current characteristics of the user, and future health characteristics of the user; deriving, using the at least one processor, an estimated date of death of the user based on the received health characteristics of the user; calculating, using the at least one processor, the net present value of the user'"'"'s income less expenses each year from the first work optional date until the estimated date of death; and determining, using the at least one processor, a second work optional date, wherein the second work optional date is a date in which the net present value of the user'"'"'s income moves from negative to positive. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system comprising:
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at least one processor; and a storage medium with instructions stored thereon, which when executed by the at least one processor cause the at least one processor to; determine a first work optional date, wherein the first work optional date is a date in which a user'"'"'s retirement income is greater than a user'"'"'s expenses; receive past health characteristics of the user, current health current characteristics of the user, and future health characteristics of the user; derive an estimated date of death of the user based on the received health characteristics of the user; calculate the net present value of the user'"'"'s income less expenses each year from the first work optional date until the estimated date of death; and determine a second work optional date, wherein the second work optional date is a date in which the net present value of the user'"'"'s income moves from negative to positive. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A machine-readable storage device comprising instructions, which when executed by at least one processor, cause the at least one processor to:
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determine a first work optional date, wherein the first work optional date is a date in which a user'"'"'s retirement income is greater than a user'"'"'s expenses; receive past health characteristics of the user, current health current characteristics of the user, and future health characteristics of the user; derive an estimated date of death of the user based on the received health characteristics of the user; calculate the net present value of the user'"'"'s income less expenses each year from the first work optional date until the estimated date of death; and determine a second work optional date, wherein the second work optional date is a date in which the net present value of the user'"'"'s income moves from negative to positive. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification