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It's normal to hear time management discussed in business circles; yet, it is a topic that can be of great benefit to everybody. Time is a challenge for all of us, whether we're business people, work...
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Comments Self inquiry is one of the most powerful and effective meditation techniques used by thousands of people all over the world. Taught by the enlightened Guru, Ramana Maharshi, this meditation technique...
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Digg twitter Facebook del.icio.us MySpace Comments Hypnotherapy was first discovered in the ancient times by the Greeks, Romans and Egyptians as a healing art. Until today, it has evolved over the generations and has been used to treat a variety of i...
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Self inquiry is one of the most powerful and effective meditation techniques used by thousands of people all over the world. Taught by the enlightened Guru, Ramana Maharshi, this meditation technique...
Author: Kip Mazuy
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Digg twitter Facebook del.icio.us MySpace Comments Hypnotherapy was first discovered in the ancient times by the Greeks, Romans and Egyptians as a healing art. Until today, it has evolved over the generations and has been used to treat a variety of i...
Author: Khaiyong Ng
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Digg twitter Facebook del.icio.us MySpace Comments The first situation to consider is the relationship between thoughts and conditions like depression and stress. A crucial question is whether the person's thoughts are creating the physical depressio...
Author: Greg Riley
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Digg twitter Facebook del.icio.us MySpace Comments Reading a book is additionally self improvement and private development or to be more precise, reading the book alone is not very self improvement, however reading the book, and applying what you lea...
Author: Amie Erickson
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Digg twitter Facebook del.icio.us MySpace Comments For people who are through it, they can tell you that self improvement is a journey. It all depends on where one is starting from. The most necessary thing but is getting that first step out of the w...
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Digg twitter Facebook del.icio.us MySpace Comments Before I get into this, it's important that you simply perceive what self help, personal development and self improvement, actually mean? In a nut shell, it's exactly what it says on the tin, anythin...
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Digg twitter Facebook del.icio.us MySpace Comments There are a growing number of resources and information on this topic, so the question is, what is the best book on the Law of Attraction? The answer to this is pretty easy? obviously the best book o...
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Digg twitter Facebook del.icio.us MySpace Comments If you desire to have good time management then you need to have a strategy or an action plan. Following these strategies will help you get the most out of your days. First thing to do is Prioritize...
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Hypnotherapy was first discovered in the ancient times by the Greeks, Romans and Egyptians as a healing art. Until today, it has evolved over the generations and has been used to treat a variety of i...
Author: Khaiyong Ng
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Digg twitter Facebook del.icio.us MySpace Comments The first situation to consider is the relationship between thoughts and conditions like depression and stress. A crucial question is whether the person's thoughts are creating the physical depressio...
Author: Greg Riley
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Digg twitter Facebook del.icio.us MySpace Comments Reading a book is additionally self improvement and private development or to be more precise, reading the book alone is not very self improvement, however reading the book, and applying what you lea...
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Digg twitter Facebook del.icio.us MySpace Comments For people who are through it, they can tell you that self improvement is a journey. It all depends on where one is starting from. The most necessary thing but is getting that first step out of the w...
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Digg twitter Facebook del.icio.us MySpace Comments If you desire to have good time management then you need to have a strategy or an action plan. Following these strategies will help you get the most out of your days. First thing to do is Prioritize...
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The first situation to consider is the relationship between thoughts and conditions like depression and stress. A crucial question is whether the person's thoughts are creating the physical depressio...
Author: Greg Riley
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Digg twitter Facebook del.icio.us MySpace Comments Reading a book is additionally self improvement and private development or to be more precise, reading the book alone is not very self improvement, however reading the book, and applying what you lea...
Author: Amie Erickson
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Digg twitter Facebook del.icio.us MySpace Comments For people who are through it, they can tell you that self improvement is a journey. It all depends on where one is starting from. The most necessary thing but is getting that first step out of the w...
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Reading a book is additionally self improvement and private development or to be more precise, reading the book alone is not very self improvement, however reading the book, and applying what you lea...
Author: Amie Erickson
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For people who are through it, they can tell you that self improvement is a journey. It all depends on where one is starting from. The most necessary thing but is getting that first step out of the w...
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Europe's robust financial-transactions tax | Felix Salmon
The details of Europe?s new financial transactions tax won?t be made public for a few weeks, but the FT?s Alex Barker has seen a draft, and it looks impressively robust. The tax is being implemented by 11 countries, including most importantly Germany and France, and it?s going to be levied at two levels: 0.1% on securities trades, and 0.01% on derivatives trades. It?s also going to be very difficult to dodge: any trader whose institutional headquarters is in one of the 11 countries will have to pay the tax, as will all transactions taking place in those countries, and all transactions involving securities issued in those countries.
The tax will have two main purposes. The first is to raise substantial tax revenues on the order of $45 billion per year; the second is to discourage financial speculation. I?m hopeful on the former, but less so on the latter.
As Robert Peston and Avinash Persaud pointed out back in 2011, financial transactions taxes work pretty well: even the UK, which is implacably opposed to the European tax and which won?t ever join such a scheme, levies a surprisingly large 0.5% tax whenever anybody ? anywhere in the world ? trades a UK stock. And yet, somehow, London remains the first choice for international companies looking for a place to list their shares.
The European tax, which is much smaller than UK stamp duty, will similarly have little effect on how and where financial markets operate. The ?if you tax me, I?ll just move elsewhere? threat is a pretty empty one, in practice, especially if you have a carefully-drafted law which makes tax avoidance difficult, and if you?re talking about established financial institutions rather than individuals. Count me on the opposite side of Steve Slater: large banks won?t avoid this tax, because doing so would be both politically suicidal and practically incredibly complex. Especially in a world where tax laws can be changed quite quickly, if any obvious avoidance is noticed.
So I think that the financial transactions tax will actually be very good at raising money ? possibly even good enough, over time, that the rest of the EU will come around to it. Maybe even London could decide to swap out its stamp duty and join a unified European system instead, especially if a less City-friendly government is elected in 2015. That?s one reason I like the idea of half the EU going ahead with this scheme while the other half stays out: it will provide a proof of concept to persuade the nay-sayers.
On the other hand, I doubt that speculators will find this tax particularly off-putting. Europe doesn?t suffer from the high-frequency trading that has overtaken the U.S. stock market, and these taxes are low enough that any remotely sensible financial transaction will remain sensible on a post-tax basis. It?s possible that total trading volume might decline a little bit in some markets, and that would be fine: no one thinks it?s too low at the moment, and in the derivatives markets especially, increase in volumes generally just translates into increased rents being paid to big sell-side banks. But I?m not someone who believes that speculators are causing a noticeable amount of harm in European markets: as far as they?re concerned, the financial transactions tax is likely to make very little difference to a group of people who are not much of a problem in the first place.
One of the themes in Davos this year was a series of EU politicians pushing pretty hard for a big EU-U.S. trade deal, while the U.S. seemed to feel much less urgency. The financial-transactions tax won?t help on that front: it will widen the gap even further with respect to the treatment of the crucial financial-services sector. Still, it?s good to see real leadership here from France and Germany. They?re going to implement a sensible tax, which will raise much-needed revenues at minimal societal cost. What?s more, if you pierce corporate veils to find out which individuals will end up paying the tax, it?s going to look a lot like a wealth tax, rather than an income tax. That?s good news, in a world where the wealthy tend to pay much lower taxes than those with high incomes.
So let?s hope that this tax gets introduced; that it works; and that the rest of the world, seeing the costs and the benefits, starts to follow suit and sign on too. The area covered by the initial 11 countries is big enough that the tax will work well at inception, but as more and more countries join the scheme, the tax will become increasingly efficient and effective. Maybe, eventually, it could even incorporate the U.S.
Source: http://blogs.reuters.com/felix-salmon/2013/01/30/europes-robust-financial-transactions-tax/
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Finding The Best Deals On Auto Insurance | Jim McGilvary's Home ...
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Some factors that cause the cost of your insurance to fluctuate can be altered, but some costs are fixed and will not change. A higher deductible will make your monthly premiums more affordable. This article will guide you through the different variables and options that will lead to your getting the best price you can on automobile insurance.
It is a common misconception that the cost of auto insurance automatically drops as the driver reaches 25 years of age. The truth is that they start to decrease once they reach 18 as long the driver is responsible and drives safely.
If you want a lower premium then you should think about paying a higher deductible. Raising the price of the deductible on your policy has the largest influence on the cost of your insurance. Be aware that should you be involved in an accident, you will need to have the cash available to fulfill the deductible. Establishing an emergency fund using your premium savings is an easy way to make certain you have the money needed to cover higher deductibles.
TIP! Once someone in your home has auto insurance of their own, quickly take them off of your policy to avoid paying extra premiums. If your kids get their own policy, make sure you take them off of your own.
Avoid the purchase of pricey after-market items for your vehicle that are not really necessary. Luxuries in your vehicle, while nice, are not a necessity. The reason is because if your vehicle is stolen or totaled, you will not be reimbursed for its damage.
You want to do as much research as possible to find a company that will suit your needs long term, and also provide you with excellent customer service. The department of insurance will have a list of the companies, and any complaints lodged against them. This is a percentage of claims that the agency agrees to fulfill.
When looking for auto insurance, get quotes from various companies. You will most likely need to shop around and do some research to obtain the best rate you can.
TIP! Switching vehicles between members of the family can raise premiums. You will pay less if there is only one driver associated with each car.
Driver who put fewer than 7500 miles on their car per year often receive generous discounts. This makes cutting back on your driving a great option for anyone who wants to save money on car insurance.
To lower your auto insurance rates, work on increasing your FICO score. Auto insurance companies check the credit of new customers. Insurance companies often make rate decisions based in part on an individual?s credit score. This is due to the fact that studies show individuals with low credit scores are often prone to automobile accidents. Your insurance policy rates will remain lower if your credit is in decent shape.
TIP! To keep your auto insurance costs at a minimum, don?t include drivers on your policy that won?t actually be driving your cars. You can save a great deal by removing drivers who do not actually drive your vehicle.
Many factors are considered when figuring insurance premiums. For example marriage, your gender and even your age are factors. Keeping this personal information in mind can help improve the experience of auto insurance pricing.
Before you purchase a vehicle, look into how much it will cost to insure the car. Insurance agents will be able to advise you on what type of car has low insurance rates. This can help you a lot when thinking about buying a new or used car. You won?t pay as much on car insurance if you buy a car with a solid safety rating.
You should comb through your insurance options carefully. Each company uses a different formula, based on your answers to their questions and previous driving records, to figure out what your insurance premium is. Comparing a few different companies before making your final decision can end up saving you quite a bit of money.
TIP! Consider removing some of the coverage from your insurance policy that you no longer need. Collision insurance might be an unneeded extra if you drive an older vehicle, for instance.
You may have noticed that you can totally change the price of your car insurance. Some of the things that can affect your premiums are driving record and mileage. By understanding how these factors can increase or decrease your driving risk in the eyes of your insurance company, you may be able to reduce your rates.
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Source: http://leucabiz.com/blog/finding-the-best-deals-on-auto-insurance/
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CHETOPIAN Family: Zoobies Product Review/Giveaway
What a wonderful idea Zoobies had come up with. I mean,?a pillow pet + a pet blanket? How clever is that! Zoobies is a company who makes the cutest, most high-end plush animals that also provide comfy pillows and cuddly blankets inside. Zoobies collection ranges from Book Buddies, Duffel Dogs, Blanket Pets, Storytime Pals, ?Blankie Babies, and Slumber Pets. Zoobies makes the plushest, cuddly and the cutiest animal pillows like Zulu the Zebra, Mashaka the Monkey, Lola the Lamb, Cookie the Cow and Kojo the Croc just like the one my kids got. Just to mention a few. When I learned that I could actually get one for free for a product review, I asked my little man which one would he like to have and he chose Kojo the Croc.
There is one big reason why he picked the crocodile pet blanket?and that is because we have been watching this classic 1950s (1953 to be exact) Peter Pan movie. In this Disney movie there is this character named Tick Tock the crocodile and every time you hear that tick tock sound, you know that the Tick Tock Croc is nearby, which makes Capt. Hook very scared. Whenever my little man hears that sound, he would grab his Kojo the Croc pet blanket and starts playing with it with all the giggles and laughs. It is amazing at how this cuddly pet blanket gives so much joy and entertainment to?my kids especially when we are on the road. Yes, Kojo the croc goes with us every time we travel and whenever they fall asleep, we can use the blanket to keep them warm and snug. It's like hitting?three birds in one stone. I said three birds because not only it provides comfy pillow and cuddly blanket, but it also provides entertainment?for kids. I know, right!
We want to say thank you to Zoobies for allowing me and my family to test out your cute & cuddly product and we say we are very happy and would likely to recommend it to all. Zoobies products are absolutely the perfect gifts?for all kids or kids at heart. Why not??Great products and great service?are definitely what Zoobies has to offer to their customers.
To find out more about Zoobies and their products, click here. Shop now!
Or,
Win It.
Here's how to win:
- Like Zoobies on Facebook.
(mandatory and must be done first)
- Visit Zoobies, and tell me which product would you choose if you were to win and who would you give it to.
That's it! As simple as that.
Don't forget to leave me your contact information or your email address in case you are the winner.
This giveaway is open to US residents only.
Thank you and Good luck!
I'll pick a winner next week.
Source: http://www.chetopianfamily4.com/2013/01/zoobies-product-reviewgiveaway.html
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Thursday, January 31, 2013
Blackburn Group Inc.'s Enterprise Risk Management and Claim ...
Robert Blackburn founded Blackburn Group, Inc. in 1991 as a company specializing in marketing products and services for the risk, insurance, and claim settlement solutions fields. At the time of the company's inception, Mr. Blackburn designed and developed a specialized risk management information system with associated services called RiskPro? to analyze and manage an organization's operational and human resource risks. Additionally, MSA RiskPro.com was founded as a specialized Medicare Set-Aside (MSA) claim settlement solutions professional service and product company to address the needs of Workers Compensation and Liability claims under the Centers for Medicare and Medicaid Service (CMS) requirements (MMSEA 111). Since 2001, MSA RiskPro.com's primary goal has been to provide high quality, low cost MSA management professional services and products to the nationwide business community.
Please be sure to visit their websites today at www.blackburngroup.com and www.msariskpro.com , or contact them at info ( @ ) blackburngroup dot com or (585) 586-4530 dot
About Blackburn Group:
Trust forms the foundation for every successful relationship. Trust can never be taken for granted. It must be earned and then carefully preserved. At Blackburn Group, we are committed to earning the trust of our clients. We do this by helping them make informed enterprise risk management decisions and smarter choices for their programs. We provide Enterprise Risk and Claim Management (ERM) services and products to improve our clients' profitability and asset value, and to simplify and transform their business processes. Our products and services allow our clients to leverage their existing resources thereby decreasing costs and improving quality for their risk, insurance, and claim programs.
Our company serves self insurers, insurers, reinsurers, brokers, captive insurance company domicile managers, actuaries, third party adjusters, nurse case management companies and attorneys. To support our professional services, our RiskPro? technology solutions include a suite of products and services delivered through applications on Internet-based platforms.
Contact:
Robert J. Blackburn
Blackburn Group, Inc.
1163 Pittsford Victor Road, Suite 120, Pittsford, NY 14534-3891
1+585-586-4530
rblackburn ( @ ) blackburngroup dot com
http://www.blackburngroup.com
###
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NSF selects OSU to lead project rejuvenating US research fleet
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Public release date: 30-Jan-2013[ | E-mail |
Share ] Contact: Mark Abbott
mark@coas.oregonstate.edu
541-737-5195
Oregon State University
CORVALLIS, Ore. The National Science Foundation has notified Oregon State University that it will be the lead institution on a project to finalize the design and coordinate the construction of as many as three new coastal research vessels to bolster the marine science research capabilities of the United States.
OSU initially will receive nearly $3 million to coordinate the design phase of the project and if funds are appropriated for all three vessels, the total grant is projected to reach $290 million over 10 years. The final number constructed, and the geographic positioning of these vessels, will be determined by the National Science Foundation based on geographic scientific requirements and availability of funding.
If all three vessels are built, it is likely that one would be positioned on the East Coast, West Coast and Gulf Coast, officials say.
A project team led by Oregon State's College of Earth, Ocean, and Atmospheric Sciences will finalize the design for the 175-foot long, technically enhanced Regional Class ships, select a shipyard, oversee construction, and coordinate the system integration, testing, commissioning and acceptance, and transition to operations.
"These will be floating, multi-use laboratories that are flexible and can be adapted for different scientific purposes, yet are more seaworthy and environmentally 'green' than previous research vessels," said Mark Abbott, dean of the OSU College of Earth, Ocean, and Atmospheric Sciences. "These ships will be used to address critical issues related to climate change, ocean circulation, natural hazards, human health, and marine ecosystems."
OSU vice president for research Rick Spinrad, who previously directed research programs for the U.S. Navy and the National Oceanic and Atmospheric Administration (NOAA), said the new vessels would "revitalize and transform" coastal ocean science in the United States.
"Many of the most pressing issues facing our oceans are in these coastal regions, including acidification, hypoxia, tsunami prediction, declining fisheries, and harmful algal blooms," Spinrad said. "Because of their flexibility, these new vessels will attract a broad range of users and will become ideal platforms to training early-career scientists and mariners."
The project had the support of Oregon Gov. John Kitzhaber's Office, noted OSU President Ed Ray, who said the university will benefit from the process long before the first ship hits the water in 2019 or 2020.
"What is really unique about this project is that it will involve faculty from engineering and business, who will join their oceanography colleagues on the design and construction elements and provide unbelievable training opportunities for OSU undergraduate and graduate students interested in project management, marine technology and marine science," Ray pointed out.
The successful OSU proposal was submitted to the National Science Foundation by Clare Reimers, an oceanography professor, and Demian Bailey, the university's marine superintendent. As part of that submission, OSU proposed to be the operator of the first vessel. Additional operating institutions will be determined once the total number of vessels to be built is known.
The university now operates the R/V Oceanus, an older research vessel scheduled for retirement about the time the new research vessels will become available.
"The National Science Foundation hasn't authorized a multi-ship project since the 1970s," Bailey said, "and these are likely the only ships scheduled by NSF to be built during the next decade so this is a big deal. The endurance and size of the new ships will be similar to that of Oceanus and (former OSU vessel) Wecoma but they will be much more efficient and have far greater scientific capacity and flexibility."
Bailey said the new vessels will have advanced dynamic positioning that will help them stay in place in the rugged Pacific Ocean. That is a benefit for launching and retrieving gliders and other autonomous or remotely operated vehicles, conducting precise seafloor mapping, and retrieving moorings and other instrumentation. They also will be much quieter, which will help researchers who use acoustics to study everything from endangered whales to undersea earthquakes and volcanoes.
Reimers said the first phase of the 10-year project will begin in early 2013 with the finalization of the vessel design. A concept design is already in place and the OSU project team will partner with two regional firms The Glosten Associates in Seattle, Wash., and Science Applications International Corporation in Oregon City to meet naval architecture, marine design and systems engineering requirements.
"These new vessels will allow scientists at sea to conduct state-of-the-art scientific research from the atmosphere above into the seafloor below our coastal oceans," Reimers said. "Broader impacts will also be possible because these ships will be equipped with modern telecommunications technologies and sensors to be able to transmit a rich variety of observations to scientists, educators and the public ashore."
U.S. Sen. Ron Wyden (D-Ore.) praised the project and selection of OSU.
"These research ships will keep the United States in the forefront of coastal ocean science," Wyden said. "The selection of Oregon State University to design these vessels represents an important investment in our nation's research infrastructure and adds to the state's already-growing reputation as a center for marine research and the place that will train the next generation of ocean scientists."
Fellow Senator Jeff Merkley (D-Ore.) described the announcement as "great news for both Oregon State University and the state of Oregon."
"Oregon State is on the cutting edge for marine research and it is only fitting that they have received the honor of designing these new research ships," Merkley said. "I am excited that we will be developing top-notch research into the health of our oceans and the effects of climate change through this targeted investment right here in Oregon."
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Public release date: 30-Jan-2013[ | E-mail |
Share ] Contact: Mark Abbott
mark@coas.oregonstate.edu
541-737-5195
Oregon State University
CORVALLIS, Ore. The National Science Foundation has notified Oregon State University that it will be the lead institution on a project to finalize the design and coordinate the construction of as many as three new coastal research vessels to bolster the marine science research capabilities of the United States.
OSU initially will receive nearly $3 million to coordinate the design phase of the project and if funds are appropriated for all three vessels, the total grant is projected to reach $290 million over 10 years. The final number constructed, and the geographic positioning of these vessels, will be determined by the National Science Foundation based on geographic scientific requirements and availability of funding.
If all three vessels are built, it is likely that one would be positioned on the East Coast, West Coast and Gulf Coast, officials say.
A project team led by Oregon State's College of Earth, Ocean, and Atmospheric Sciences will finalize the design for the 175-foot long, technically enhanced Regional Class ships, select a shipyard, oversee construction, and coordinate the system integration, testing, commissioning and acceptance, and transition to operations.
"These will be floating, multi-use laboratories that are flexible and can be adapted for different scientific purposes, yet are more seaworthy and environmentally 'green' than previous research vessels," said Mark Abbott, dean of the OSU College of Earth, Ocean, and Atmospheric Sciences. "These ships will be used to address critical issues related to climate change, ocean circulation, natural hazards, human health, and marine ecosystems."
OSU vice president for research Rick Spinrad, who previously directed research programs for the U.S. Navy and the National Oceanic and Atmospheric Administration (NOAA), said the new vessels would "revitalize and transform" coastal ocean science in the United States.
"Many of the most pressing issues facing our oceans are in these coastal regions, including acidification, hypoxia, tsunami prediction, declining fisheries, and harmful algal blooms," Spinrad said. "Because of their flexibility, these new vessels will attract a broad range of users and will become ideal platforms to training early-career scientists and mariners."
The project had the support of Oregon Gov. John Kitzhaber's Office, noted OSU President Ed Ray, who said the university will benefit from the process long before the first ship hits the water in 2019 or 2020.
"What is really unique about this project is that it will involve faculty from engineering and business, who will join their oceanography colleagues on the design and construction elements and provide unbelievable training opportunities for OSU undergraduate and graduate students interested in project management, marine technology and marine science," Ray pointed out.
The successful OSU proposal was submitted to the National Science Foundation by Clare Reimers, an oceanography professor, and Demian Bailey, the university's marine superintendent. As part of that submission, OSU proposed to be the operator of the first vessel. Additional operating institutions will be determined once the total number of vessels to be built is known.
The university now operates the R/V Oceanus, an older research vessel scheduled for retirement about the time the new research vessels will become available.
"The National Science Foundation hasn't authorized a multi-ship project since the 1970s," Bailey said, "and these are likely the only ships scheduled by NSF to be built during the next decade so this is a big deal. The endurance and size of the new ships will be similar to that of Oceanus and (former OSU vessel) Wecoma but they will be much more efficient and have far greater scientific capacity and flexibility."
Bailey said the new vessels will have advanced dynamic positioning that will help them stay in place in the rugged Pacific Ocean. That is a benefit for launching and retrieving gliders and other autonomous or remotely operated vehicles, conducting precise seafloor mapping, and retrieving moorings and other instrumentation. They also will be much quieter, which will help researchers who use acoustics to study everything from endangered whales to undersea earthquakes and volcanoes.
Reimers said the first phase of the 10-year project will begin in early 2013 with the finalization of the vessel design. A concept design is already in place and the OSU project team will partner with two regional firms The Glosten Associates in Seattle, Wash., and Science Applications International Corporation in Oregon City to meet naval architecture, marine design and systems engineering requirements.
"These new vessels will allow scientists at sea to conduct state-of-the-art scientific research from the atmosphere above into the seafloor below our coastal oceans," Reimers said. "Broader impacts will also be possible because these ships will be equipped with modern telecommunications technologies and sensors to be able to transmit a rich variety of observations to scientists, educators and the public ashore."
U.S. Sen. Ron Wyden (D-Ore.) praised the project and selection of OSU.
"These research ships will keep the United States in the forefront of coastal ocean science," Wyden said. "The selection of Oregon State University to design these vessels represents an important investment in our nation's research infrastructure and adds to the state's already-growing reputation as a center for marine research and the place that will train the next generation of ocean scientists."
Fellow Senator Jeff Merkley (D-Ore.) described the announcement as "great news for both Oregon State University and the state of Oregon."
"Oregon State is on the cutting edge for marine research and it is only fitting that they have received the honor of designing these new research ships," Merkley said. "I am excited that we will be developing top-notch research into the health of our oceans and the effects of climate change through this targeted investment right here in Oregon."
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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Source: http://www.eurekalert.org/pub_releases/2013-01/osu-nso013013.php
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