Abstract: A student loan repayment system for accumulating money using a client device, a computing cloud, and a network, wherein a cloud data storage contains computer instructions for presenting a student loan holder interface, creating a student profile, forming an account for accumulating money linked to another account, enabling the student loan holder to input goals, and enabling the student loan holder to make and receive deposits into the account for accumulating money. The deposits can include an amount of money selected by the student loan holder, an amount of money repaid by not purchasing a product or service, an amount of money repaid by purchasing a lower priced product or service, a similar product with a rebate, another promotional incentive for purchasing a product, or an amount of money associated with a non-monetary goal.

Abstract: A cloud computing system and method for accumulating money using a client device, a computing cloud, and a network, wherein a cloud data storage contains computer instructions for presenting a user interface, creating a user profile, forming an account for accumulating money linked to another account, enabling the user to input goals, and enabling the user to make and receive deposits into the account for accumulating money. The deposits can include an amount of money selected by the user, an amount of money saved by not purchasing a product or service, an amount of money saved by purchasing a lower priced product or service, a similar product with a rebate, another promotional incentive for purchasing a product, or an amount of money associated with a non-monetary goal.

Abstract: A computer implemented method for accumulating money using a client device, server, and network can include presenting a user interface, creating a user profile, forming an account for accumulating money linked to another account, enabling the user to input goals, and enabling the user to make and receive deposits into the account for accumulating money. The deposits can include an amount of money selected by the user, an amount of money saved by not purchasing a product or service, an amount of money saved by purchasing a lower priced product or service, or an amount of money associated with a non-monetary goal. The computer implemented method can include transmitting prompts to the client device with suggestions on how to save money, determining a progress towards the goals, displaying the progress, and displaying an updated monetary amount to be accumulated.

Abstract: The present embodiments relate to a vessel for oceanographic research and the development and maintenance of renewable energy resources. The vessel can have a hull, a keel with a keel cooler, skegs, watertight interior bulkheads, a main deck, topsides, insulation, sonar tubes, a sonar transducer, an engine room, a propulsion system, propellers and rudders that are operable independently and in tandem, engines with vibration isolation mounts, fuel tanks, a hydraulic bow thruster, generators, a pilothouse, a navigation station, a steering device, a dog house, living quarters, a communication system, lighting, escape hatches, and a knuckle boom crane. The hull can be adapted to sit level on a mudflat during a low tide, enabling crew to initiate emergency repairs to the vessel without having to return to port. The vessel can also have a dynamic positioning processor enabling for continuous vessel positioning.

Abstract: A multi-purpose expedition vessel having a aluminum alloy hull, where the aluminum alloy hull can have a aluminum alloy hull bottom with a deadrise bow elevated above a waterline, an aft portion comprising a stern, a port side, a starboard side, a central axis between the starboard and port sides. The aluminum alloy hull of the vessel can have a first plurality of lifting stakes secured to the port side of the deadrise bow, and a second plurality of lifting stakes secured to the starboard side of the deadrise bow. The aluminum alloy hull can have at least a first level disposed within the aluminum alloy hull, and the aluminum alloy hull can have a superstructure disposed on it having various structures, such as a stateroom, a steering station, or a floatation roof.