2008年11月6日星期四
2008年11月4日星期二
震撼出击 诺基亚发布7款新机
中低端市场向来是兵家必争之地，尤其是诺基亚更是依靠在领域的出色表现成就了自己的辉煌。如今，为了继续保持在业界的领先优势。诺基亚再次重拳出击，一口气发布了包括诺基亚7100 Supernova, 诺基亚5130 Xpress Music, 诺基亚232(评论)3 classic,诺基亚2330 classic, 诺基亚2320 classic, 诺基亚1661 以及诺基亚1202等七款新机，并以相当低廉的价格向竞争对手发起冲击。接下来，就让我们一起来看看这七款诺基亚新款手机都有怎样的特色吧。
首先我们看到的三款新机是诺基亚主打平民市场的经济实用性手机--诺基亚2320 classic、诺基亚2323 classic以及诺基亚2330 classic。这三款手机在整体外观上都完全相同，流畅的机身曲线看起来与诺基亚滑盖手机3600s有些相似。而作为这三款手机型号之间的差异，则主要通过功能上的不同来体现。其中，诺基亚2320c则是这三款手机中配置最为常规的手机，仅仅支持常用的通话以及短信收发功能。而诺基亚2323c以及诺基亚2330c内置有带录音功能的FM调频收音机和内置网络浏览器，并且诺基亚2330c还增加了30万像素摄像头以及支持蓝牙技术，成为了三款手机中功能丰富的手机。
除此之外，这三款诺基亚直板低端手机都配备了分辨率为128×160像素的65K色屏幕，支持Ovi邮件（Mail on Ovi）和诺基亚生活工具（Nokia Life Tools），并提供了较长的待机时间。据悉，诺基亚这三款手机将于2009年的第二季度上市销售。其中，诺基亚2330c的零售价格为50欧元（折合人民币440元），而其余两款诺基亚2320c和诺基亚2323c则只有40欧元（折合人民币355元）。
接下来我们看到的诺基亚1202则是专为居住在农村地区的人们开发的一款价格低廉的手机。其特色是功能相当简单，仅拥有一些基本的功能，包括单色屏幕、内置手电筒、长时间待机能力、响亮的铃声以及最多可供5个用户使用的电话簿。诺基亚1202配备了1.5英寸96×68像素的单色屏幕，支持GSM900/1800 MHz网络，手机尺寸为105.3mm×45mm×13.1mm，仅重78克。在配备720毫安时电池的情况下，手机可获得长达9小时的连续通话时间以及26天的待机时间。
此外，诺基亚还同步推出了该机的北美版本1203，主要差异在于网络频段为GSM850/1900 MHz，并且提供了Silver grey一种机身颜色选择。据悉，诺基亚1202和1203将与2009年一季度上市，提供Midnight black, Violet nlue等色彩选择，并且由于手机的功能非常简单，因此在价格方面相当的低廉，只有25欧元（折合人民币220元）的价格成为了目前诺基亚家族中最便宜的手机。
而同样采用直板设计的诺基亚1661则以最便宜的诺基亚彩屏手机的形象登场，配备了1.8英寸128×160像素的65K色TFT屏幕，并且除了基本的通话和发送短信等功能之外，还内置了FM调频收音机功能，也拥有实用的手电筒功能、除了可以在手机中保存500组电话簿之外，还能够保存250条短信并拥有32和弦铃声等常见功能。
诺基亚1661还支持GSM 900/1800 MHz网络，手机尺寸为108mm×45mm×13.8mm，重82克，在配备720毫安时电池的情况下，手机可获得长达26天的待机时间和连续8小时的通话时间。据悉，诺基亚将于明年第一季度开始销售，售价为30欧元（折合人民币266元）。
诺基亚5130 Xpress Music还内置200万像素摄像头，支持数码变焦及视频拍摄功能，内置蓝牙技术和USB2.0连接功能，可在手机中保存2000条联系人资料，支持GSM/GPRS/EDGE网络和内置Opera Mini 4 瀏覽器以及Java MIDP2.1应用扩展等功能。诺基亚5130 Xpress Music的手机尺寸为107.5×46.7×14.8 mm，重88克。在配备BL-5C电池的情况下，可获得288小时的待机时间和连续6小时的通话时间。据悉，该机将提供红色及蓝色两种机身彩色选择，预计2009年的第一季度上市销售，手机价格仅仅为90欧元（折合人民币800元）。
最后出场的则是诺基亚7100s，该机也属于主打外观设计的Supernova系列（国内版本为摩登波普系列），在外观处理上以镜面黑色机壳搭配具有按键功能的红、蓝、黑三色腰带，整体效果还是十分动人。由于定位于中低端手机用户，所以诺基亚7100s在硬件规格方面与诺基亚5000(评论) 保持在同一水平线上。比如手机配备的2.0英寸QVGA分辨率TFT屏幕虽然支持240×320像素的分辨率，但却仅支持64K色显示，与同门的诺基亚7310c等手机相比在显示效果上存在一定的差距。除此之外，该机内置的是130万像素摄像头，没有配备闪光灯和支持一些常见的拍照功能。
得注意的而是，虽然该机也具备较为丰富的影音娱乐功能，支持MP3/ AAC/ACC+/eAAC+ /WMA等格式音乐播放和内置FM收音机功能，甚至还拥有2.5毫米耳机接口及立体声蓝牙输出等功能，但诺基亚7100s仅拥有大约32MB的内存容量，并且也如诺基亚5000一样，并不能通过micro-SD存储卡扩展手机的存储容量。至于手机的其他方面，诺基亚7100s还支持GSM/GPRS/EDGE网络，并支持Ovi全分享（Share on Ovi），诺基亚线上图片分享服务，支持Ovi邮件（Mail on Ovi）和浏览器实用功能，也可通过蓝牙技术及USB2.0连接进行数据传输。
虽然功能比较一般，但该机的体积却并不算轻巧，其机身尺寸为98×47.7×14.9毫米，重104克。手机在配备860毫安时电池的情况下，可获得360小时的待机时间和210分钟的连续通话时间。据悉，该机将提供果冻红、水蓝以及黑色三种颜色以供用户挑选，将于今年的第四季度上市，售价为75欧元（折合人民币660元）。
此外，诺基亚还同步发布了基于诺基亚S40终端的Ovi邮件（Mail on Ovi），令消费者无须使用个人电脑，就可直接在移动终端上创建电子邮件账户。而诺基亚生活工具（NOKIA Life Tools）则是一系列创新的农业信息和教育服务，专为新兴市场的农村及小城镇社区度身定制。诺基亚计划于2009年上半年主要通过诺基亚2323c和诺基亚2330c在印度推出此项服务，并随之将其扩展到亚洲和非洲的一些国家。
首先我们看到的三款新机是诺基亚主打平民市场的经济实用性手机--诺基亚2320 classic、诺基亚2323 classic以及诺基亚2330 classic。这三款手机在整体外观上都完全相同，流畅的机身曲线看起来与诺基亚滑盖手机3600s有些相似。而作为这三款手机型号之间的差异，则主要通过功能上的不同来体现。其中，诺基亚2320c则是这三款手机中配置最为常规的手机，仅仅支持常用的通话以及短信收发功能。而诺基亚2323c以及诺基亚2330c内置有带录音功能的FM调频收音机和内置网络浏览器，并且诺基亚2330c还增加了30万像素摄像头以及支持蓝牙技术，成为了三款手机中功能丰富的手机。
除此之外，这三款诺基亚直板低端手机都配备了分辨率为128×160像素的65K色屏幕，支持Ovi邮件（Mail on Ovi）和诺基亚生活工具（Nokia Life Tools），并提供了较长的待机时间。据悉，诺基亚这三款手机将于2009年的第二季度上市销售。其中，诺基亚2330c的零售价格为50欧元（折合人民币440元），而其余两款诺基亚2320c和诺基亚2323c则只有40欧元（折合人民币355元）。
接下来我们看到的诺基亚1202则是专为居住在农村地区的人们开发的一款价格低廉的手机。其特色是功能相当简单，仅拥有一些基本的功能，包括单色屏幕、内置手电筒、长时间待机能力、响亮的铃声以及最多可供5个用户使用的电话簿。诺基亚1202配备了1.5英寸96×68像素的单色屏幕，支持GSM900/1800 MHz网络，手机尺寸为105.3mm×45mm×13.1mm，仅重78克。在配备720毫安时电池的情况下，手机可获得长达9小时的连续通话时间以及26天的待机时间。
此外，诺基亚还同步推出了该机的北美版本1203，主要差异在于网络频段为GSM850/1900 MHz，并且提供了Silver grey一种机身颜色选择。据悉，诺基亚1202和1203将与2009年一季度上市，提供Midnight black, Violet nlue等色彩选择，并且由于手机的功能非常简单，因此在价格方面相当的低廉，只有25欧元（折合人民币220元）的价格成为了目前诺基亚家族中最便宜的手机。
而同样采用直板设计的诺基亚1661则以最便宜的诺基亚彩屏手机的形象登场，配备了1.8英寸128×160像素的65K色TFT屏幕，并且除了基本的通话和发送短信等功能之外，还内置了FM调频收音机功能，也拥有实用的手电筒功能、除了可以在手机中保存500组电话簿之外，还能够保存250条短信并拥有32和弦铃声等常见功能。
诺基亚1661还支持GSM 900/1800 MHz网络，手机尺寸为108mm×45mm×13.8mm，重82克，在配备720毫安时电池的情况下，手机可获得长达26天的待机时间和连续8小时的通话时间。据悉，诺基亚将于明年第一季度开始销售，售价为30欧元（折合人民币266元）。
诺基亚5130 Xpress Music还内置200万像素摄像头，支持数码变焦及视频拍摄功能，内置蓝牙技术和USB2.0连接功能，可在手机中保存2000条联系人资料，支持GSM/GPRS/EDGE网络和内置Opera Mini 4 瀏覽器以及Java MIDP2.1应用扩展等功能。诺基亚5130 Xpress Music的手机尺寸为107.5×46.7×14.8 mm，重88克。在配备BL-5C电池的情况下，可获得288小时的待机时间和连续6小时的通话时间。据悉，该机将提供红色及蓝色两种机身彩色选择，预计2009年的第一季度上市销售，手机价格仅仅为90欧元（折合人民币800元）。
最后出场的则是诺基亚7100s，该机也属于主打外观设计的Supernova系列（国内版本为摩登波普系列），在外观处理上以镜面黑色机壳搭配具有按键功能的红、蓝、黑三色腰带，整体效果还是十分动人。由于定位于中低端手机用户，所以诺基亚7100s在硬件规格方面与诺基亚5000(评论) 保持在同一水平线上。比如手机配备的2.0英寸QVGA分辨率TFT屏幕虽然支持240×320像素的分辨率，但却仅支持64K色显示，与同门的诺基亚7310c等手机相比在显示效果上存在一定的差距。除此之外，该机内置的是130万像素摄像头，没有配备闪光灯和支持一些常见的拍照功能。
得注意的而是，虽然该机也具备较为丰富的影音娱乐功能，支持MP3/ AAC/ACC+/eAAC+ /WMA等格式音乐播放和内置FM收音机功能，甚至还拥有2.5毫米耳机接口及立体声蓝牙输出等功能，但诺基亚7100s仅拥有大约32MB的内存容量，并且也如诺基亚5000一样，并不能通过micro-SD存储卡扩展手机的存储容量。至于手机的其他方面，诺基亚7100s还支持GSM/GPRS/EDGE网络，并支持Ovi全分享（Share on Ovi），诺基亚线上图片分享服务，支持Ovi邮件（Mail on Ovi）和浏览器实用功能，也可通过蓝牙技术及USB2.0连接进行数据传输。
虽然功能比较一般，但该机的体积却并不算轻巧，其机身尺寸为98×47.7×14.9毫米，重104克。手机在配备860毫安时电池的情况下，可获得360小时的待机时间和210分钟的连续通话时间。据悉，该机将提供果冻红、水蓝以及黑色三种颜色以供用户挑选，将于今年的第四季度上市，售价为75欧元（折合人民币660元）。
此外，诺基亚还同步发布了基于诺基亚S40终端的Ovi邮件（Mail on Ovi），令消费者无须使用个人电脑，就可直接在移动终端上创建电子邮件账户。而诺基亚生活工具（NOKIA Life Tools）则是一系列创新的农业信息和教育服务，专为新兴市场的农村及小城镇社区度身定制。诺基亚计划于2009年上半年主要通过诺基亚2323c和诺基亚2330c在印度推出此项服务，并随之将其扩展到亚洲和非洲的一些国家。
分析称奥巴马最早将于今日9时锁定胜局
中新网11月5日电 据美国Portfolio.com网站报道，多数迹象显示，奥巴马将赢得美国总统大选，那么哪个州将是使奥巴马跨过270张选举人票获胜门槛的州？
在最坏的情况下，奥巴马在所有红色州(获胜概率为50%至80%)都失利，那么加利福尼亚州(投票于美国东部时间11月4日23时结束，北京时间11月5日12时)将是使奥巴马获胜的州。在更为乐观的情况下，奥巴马赢得佛罗里达州、密苏里州、北卡罗来纳州，那么爱荷华州(投票于美国东部时间11月4日22时结束，北京时间11月5日11时)或者是新泽西州(投票于美国东部时间11月4日20时结束，北京时间11月5日9时)将成为使奥巴马获胜的州，这取决于这两个州中哪一个州的计票结果首先公布。
其它可能出现的情况是：
奥巴马输掉了佛罗里达州，赢得了密苏里州和北卡罗来纳州，那么加利福尼亚州、华盛顿州或者夏威夷州、俄勒冈州这两个州的胜利将使他的票数超过270张。
奥巴马输掉了佛罗里达州、密苏里州，赢得了北卡罗来纳州，加利福尼亚州或者夏威夷州、俄勒冈州、华盛顿州这三个州的胜利可以使他的票数超过270张。
奥巴马输掉佛罗里达州和北卡罗莱纳州，那么赢得加利福尼亚州将使他的选举人票超过270张。
奥巴马输掉密苏里州、北卡罗来纳州，赢得佛罗里达州，加利福尼亚州或者华盛顿州、或者夏威夷州、俄勒冈州这两个州的胜利都可以使他的选举人票超过270张。
奥巴马输掉密苏里州，赢得佛罗里达州和北卡罗来纳州，那么爱荷华州和新泽西州这两个州的胜利将帮助他超过270张选举人票。
输掉北卡罗来纳州，赢得密苏里州和佛罗里达州，爱荷华州和新泽西州这两个州的胜利将帮助他超过270张选举人票。
最可能的情况将是新泽西州而不是爱荷华州帮助奥巴马确定胜局。
当然，这一假设是电视台不提前宣布计票结果、计票工作不出现任何延误的情况下的。
在最坏的情况下，奥巴马在所有红色州(获胜概率为50%至80%)都失利，那么加利福尼亚州(投票于美国东部时间11月4日23时结束，北京时间11月5日12时)将是使奥巴马获胜的州。在更为乐观的情况下，奥巴马赢得佛罗里达州、密苏里州、北卡罗来纳州，那么爱荷华州(投票于美国东部时间11月4日22时结束，北京时间11月5日11时)或者是新泽西州(投票于美国东部时间11月4日20时结束，北京时间11月5日9时)将成为使奥巴马获胜的州，这取决于这两个州中哪一个州的计票结果首先公布。
其它可能出现的情况是：
奥巴马输掉了佛罗里达州，赢得了密苏里州和北卡罗来纳州，那么加利福尼亚州、华盛顿州或者夏威夷州、俄勒冈州这两个州的胜利将使他的票数超过270张。
奥巴马输掉了佛罗里达州、密苏里州，赢得了北卡罗来纳州，加利福尼亚州或者夏威夷州、俄勒冈州、华盛顿州这三个州的胜利可以使他的票数超过270张。
奥巴马输掉佛罗里达州和北卡罗莱纳州，那么赢得加利福尼亚州将使他的选举人票超过270张。
奥巴马输掉密苏里州、北卡罗来纳州，赢得佛罗里达州，加利福尼亚州或者华盛顿州、或者夏威夷州、俄勒冈州这两个州的胜利都可以使他的选举人票超过270张。
奥巴马输掉密苏里州，赢得佛罗里达州和北卡罗来纳州，那么爱荷华州和新泽西州这两个州的胜利将帮助他超过270张选举人票。
输掉北卡罗来纳州，赢得密苏里州和佛罗里达州，爱荷华州和新泽西州这两个州的胜利将帮助他超过270张选举人票。
最可能的情况将是新泽西州而不是爱荷华州帮助奥巴马确定胜局。
当然，这一假设是电视台不提前宣布计票结果、计票工作不出现任何延误的情况下的。
只有社会主义才能救美国
当前美国贷款危机席卷全球,美国总统布什为挽救美国经济不得不求助于社会主义,向美国国会提交七千亿美元救市的提案,媒体评论:美国正在走上社会主义道路.据传:美国总统布什下月将访问中国,向中国的政治经济学专家讨教社会主义理论.探讨美国怎样走上社会主义的种种问题.并制定出具体实施方案.评论称:之后美国将会走上一条社会资本主义的道路.也就是具有美国特色的社会主义.美国将会和平演变成为社会主义国家.全球将会迎接这一新的挑战!
美国的和平演变表明:建立社会主义制度并不一定要在推翻资本主义制度基础上建立社会主义制度而只需要自然和平演变即可.中国的思想家老子曾说过:"无为而治."如果把其中的"无为"二字理解成"顺其自然"与"和平演变"那么老子的思想在此是很能说明这些问题的.
另外据传:美国总统布什已经宣誓加入共产党要为伟大的共产主义理想奋斗终生,英特纳雄耐尔一定会实现.
美国的和平演变表明:建立社会主义制度并不一定要在推翻资本主义制度基础上建立社会主义制度而只需要自然和平演变即可.中国的思想家老子曾说过:"无为而治."如果把其中的"无为"二字理解成"顺其自然"与"和平演变"那么老子的思想在此是很能说明这些问题的.
另外据传:美国总统布什已经宣誓加入共产党要为伟大的共产主义理想奋斗终生,英特纳雄耐尔一定会实现.
2008年11月3日星期一
王浩 小便门
明星你怎么了，明星就可以随地大小便了啊！！！！！？？？？？？？？？
事情原委：腾达大厦的停车管理员刘先生说，昨晚11时，大厦保安看到一名男子从北侧转门附近出来，径直来到门前绿化花坛，解开裤子欲小便。保安上前制止，双方随即发生争执。
据目击者称，该男子与保安争执时连踹了对方4脚。在争执中，大厦的四五个保安和停车管理员赶到现场劝解。
“这名男子当时口中大嚷着自己就是‘著名的王皓’、‘我是世界冠军，打你能怎么着’。”这名目击者称。
“说话时满嘴酒气，就好像掉进酒缸里一样。”刘先生告诉记者。大约15分钟后，警察接到报警赶到现场，了解情况后将男子带离。
刘先生说，在北京奥运会期间，他经常看乒乓球比赛，他昨夜一眼就认出酒后失态的男子是王皓。
我们在默默关注体育名人的举动中，也深深的感到，运动员的品德很大一部分是值得我们敬佩的。柔道冠军洗星妹，体操冠军李小双等在08年奥运会的出现无不展示他们为国家弃个人利益的高尚的情操。但我们也看到了一些不好的行为，细细分析，这绝对不是一个人的问题，自然都少不了背后国家队这个组织的关系。我们知道，所谓“名师出高徒”，“名师”不仅是专业能力的出名，也要善于惠人。自然“高徒”也就不是能力上的高，也包括行为素质的高。作为一个“老师”——国家队这个组织，有义务，也有权利去从行动上，从思想上去教好这群“学生”。虽然每个人都会成年，每个人都有自由的权利，但我们也应该认识到自由不是无限的，在一个团队，这个团队就有权利来管理这些成员。上升到国家的层面，“学生”犯了错误，“老师”犯的错误更加严重。很大部分是“老师”平时缺乏思想教育，忽视管理导致而成。运动员错误犯小点，尤可以更正，错误犯的大，那是丢国家的面子。“子不教，父之过”。从一些方面可以肯定，我们某些国家队的确是缺少对运动员的思想素质教育的。运动员就是国家的一张名片，面对一系列运动员的不雅行为，国家队领导有义务对他们多关爱一点，多教育一点。不要让王皓的问题，再发生在下一个在职运动员身上，更不要把这种行到复制到了国外。那时候，就不再是国内大讨论，那将是国际同炮轰
王皓“小便门”自赔两千
因为在停车场内用脚“教训”一位保安的奥运冠军王皓终于对自己的行为负责。记者从出事的腾达大厦保安部经理冯女士那里了解到事件的最新情况。据冯女士透露，王皓在酒醒之后已向那名保安道了歉，并同意给2000元作为补偿和对方私了。双方已达成了和解
女性军事---谁说女性不军事
赵一曼的革命精神不死！！！！！
赵一曼是在中华民族的土壤中成长起来具有传统文化品格的巾帼英雄，是在中国共产党的培育下经过民族民主革命锻炼的共产主义战士，是在国际反法西斯大环境中出现的抗日民族英雄。在酷刑拷打下,赵一曼坚持信仰、宁死不屈的事迹是中国乃至世界近代巾帼英雄中最壮烈的。赵一曼是中国共产党党员，是中国共产党斗争历史中遭到敌人拷打最严酷的女党员！也是中国军队在抗日战争中牺牲的最高级别的女军事干部！赵一曼是母亲，妻子和女儿，具有中国妇女所具备的优秀品德与情感。赵一曼为中华民族解放的献身精神远比穆桂英、花木兰更崇高。
周杰伦又要拍了
袁和平终于作为导演开拍了新作《苏乞儿》。在昨日的北京记者会上，记者们意外地见到了周杰伦的身影，原本以为他又会像《霍元甲》那样参与主题曲的创作，但袁八爷介绍说：“周杰伦这次在《苏乞儿》里演一个世外高手‘武神’，他救了苏乞儿，还教他功夫。”
袁和平不问投资
不管上映时间
随着好莱坞真人版《白雪公主和七武僧》导演人选的变更，袁和平何时再做导演，会执导一部怎样的电影，又成为悬而未决的谜题。昨日在北京，袁八爷终于揭开了谜底。他介绍说：“第一眼看到《苏乞儿》的剧本时，我觉得这个本子比以前看的质量好一些。主要是整个剧本人物性格、剧情发展各方面都很完整，幸福家庭破碎了，主角信心再建立起来再重新做人。我给我太太看，我太太鼓励我，认为这是部好戏，所以我就决定拍了。”
从动作指导到动作片的导演，袁和平坦言“辛苦”了很多。“做导演什么事都要管，辛苦一定是有的。我觉得做事情辛苦要做成功才不会白浪费辛苦。我觉得用心做比较好一点。”那会不会有“压力”呢？“压力好像也没有。除了拍戏，其他我都不管。投资多少老板操心，我的要求一定保证达到，我才会开拍。什么时候上映我也不知道，拍完才知道。”
周杰伦不介意配角
有打戏就好
在做武术指导的这么多年里，袁和平基本合作了所有知名的打星，也是他让成龙和李连杰有了第一次的银幕对决，但这次重执导筒拍摄《苏乞儿》，袁和平没有选择大牌影星，而是选中了阔别银幕多年，近两年在美国深造的打星赵文卓。除了赵文卓之外，近年来备受国内外知名导演青睐的郭晓冬此次在片中扮演受苏乞儿启发的爱国将士马清峰。不过，袁和平也考虑了票房需要，他在《苏乞儿》中安插了一个“武神”的角色，而饰演者正是为《霍元甲》配唱的周杰伦。
“‘武神’这个角色我选了很多人，最终觉得周杰伦比较适合演这个角色。因为我看他外形不讲话的时候，人很酷，好像很有内涵的高手。”袁和平还介绍说，“‘武神’在片中是一位世外高手，他为苏乞儿疗伤，还教他功夫。“但他不算是苏乞儿的师父，我把他们两人处理成朋友关系。”
昨日刚刚入组的周杰伦在谈到自己为何接演这个角色时说：“导演刚才说‘很酷’，应该就是这个原因。不管是谁听到‘武神’就会肃然起敬。”关于有多少戏份的问题，袁和平表示周杰伦虽然是配角，但戏份并不少，而周杰伦自己则表示：“只要有打戏就好。”
2008年11月1日星期六
How to Break Up With Your Bank
There are many options for banking these days. You can choose a traditional brick-and-mortar institution and do your banking in person or online. Or you can choose an internet bank, which generally requires you to do almost everything online or through the mail. Some brokerage firms also offer traditional checking accounts and savings accounts, and credit unions expand your options even further.
With so many choices, there's no reason to stick with a bank you don't like. This article will discuss some reasons why you might want to switch banks, difficulties you might encounter along the way and how to complete the process. More from Investopedia.com:
• 9 Ways to Go Bankrupt
• Digging Out of Debt in 8 Steps
• 5 ATM Scams to Avoid
Reasons to Switch Banks
Moving - If you like to visit the bank in person or simply don't want to pay ATM fees, you may need to switch banks if you move to a different city. Sometimes, branches of a bank that are popular in one city are scarce or nonexistent in another.
Opening a new joint account - If you get married or form a domestic partnership, you may want to get a joint account with your spouse. If the two of you use different banks, at least one of you will need to switch. The same holds true in any situation where two people decide to combine finances into a joint account.
High fees - Some banks charge higher fees than others, especially if you don't maintain a high balance. There's generally no reason to tolerate monthly maintenance fees or low balance fees because you can usually find a bank that doesn't impose these charges.
Poor customer service - A repeated pattern of negative interactions with customer service can be frustrating, especially if you prefer a human touch on your cold-hard finances. Again, there's no reason to put up with this when you can easily go elsewhere.
Higher interest rates - It used to be that checking accounts didn't pay interest and savings accounts only paid minuscule rates, such as 0.2%. Now, if you get the right account, even your checking account can pay interest. If you're not getting paid to lend the bank your money (which is what you're doing whenever you deposit money in your account), you might want to move your funds.
Possible Bank-Switching Difficulties
Before making the switch, consider that there may be some negative implications of moving your account and make sure you are prepared to deal with them. Ask yourself the following questions before proceeding:
How likely are you to forget to switch an automatic payment? How much will that cost you? Is that risk worth it? The longer you've had your current account, the more accounts and automatic payments might be linked to it and the more trouble it will be to switch.
Will opening a new account result in a hard credit pull? If you're in the middle of trying to get a mortgage or an auto loan, you shouldn't risk this ding to your credit score.
Is the increased interest rate worth the trouble? If you're moving your account to chase a higher interest rate, keep in mind that you'll lose interest in the few days it takes your money to transfer from the old account to the new one. Use an online interest rate chaser calculator to determine whether the new interest rate is high enough to be worth your trouble.
How to Switch to a New Bank
If you've determined that switching banks is right for your situation and worth the work, take the following steps to move your account.
Research banks and choose the right one for your needs. Are you comfortable with an online-only bank? Many issue ATM cards and reimburse ATM fees. Or, perhaps you would be more comfortable using a bank with ATMs all over the country because you travel frequently.
Open and fund the account. You can do this online if you want. You'll need your social security number and driver's license number.
Switch direct deposits and automatic payments, and write any checks from the new account. This begins the process of turning your new account into your primary one.
Update your checking account information for any linked online accounts, such as credit cards or money transfer accounts (like Paypal).
Wait for checks and other payments to clear at your old bank. Don't rush to close your old account or move all your money out. You don't want any checks or automatic payments to bounce. It might be a good idea to leave some money in the old account and wait an extra month after you think you've switched everything over before you close it just to make sure you didn't forget anything and to make sure other financial institutions changed over their account info on time.
Empty your safe deposit box at the old bank, if you have one.
When all outstanding checks and scheduled payments have cleared and your safe deposit box is empty, it is safe to close your account. Simply contact the bank by email, phone, mail or in person and let them know you'd like to close your account. The bank will cut you a check for your remaining balance, or you can link your old checking account to your new one and transfer the funds out electronically. If your old account has a minimum account balance requirement, it may be safer to let the bank cut you a check so you don't risk incurring any fees.
With so many choices, there's no reason to stick with a bank you don't like. This article will discuss some reasons why you might want to switch banks, difficulties you might encounter along the way and how to complete the process. More from Investopedia.com:
• 9 Ways to Go Bankrupt
• Digging Out of Debt in 8 Steps
• 5 ATM Scams to Avoid
Reasons to Switch Banks
Moving - If you like to visit the bank in person or simply don't want to pay ATM fees, you may need to switch banks if you move to a different city. Sometimes, branches of a bank that are popular in one city are scarce or nonexistent in another.
Opening a new joint account - If you get married or form a domestic partnership, you may want to get a joint account with your spouse. If the two of you use different banks, at least one of you will need to switch. The same holds true in any situation where two people decide to combine finances into a joint account.
High fees - Some banks charge higher fees than others, especially if you don't maintain a high balance. There's generally no reason to tolerate monthly maintenance fees or low balance fees because you can usually find a bank that doesn't impose these charges.
Poor customer service - A repeated pattern of negative interactions with customer service can be frustrating, especially if you prefer a human touch on your cold-hard finances. Again, there's no reason to put up with this when you can easily go elsewhere.
Higher interest rates - It used to be that checking accounts didn't pay interest and savings accounts only paid minuscule rates, such as 0.2%. Now, if you get the right account, even your checking account can pay interest. If you're not getting paid to lend the bank your money (which is what you're doing whenever you deposit money in your account), you might want to move your funds.
Possible Bank-Switching Difficulties
Before making the switch, consider that there may be some negative implications of moving your account and make sure you are prepared to deal with them. Ask yourself the following questions before proceeding:
How likely are you to forget to switch an automatic payment? How much will that cost you? Is that risk worth it? The longer you've had your current account, the more accounts and automatic payments might be linked to it and the more trouble it will be to switch.
Will opening a new account result in a hard credit pull? If you're in the middle of trying to get a mortgage or an auto loan, you shouldn't risk this ding to your credit score.
Is the increased interest rate worth the trouble? If you're moving your account to chase a higher interest rate, keep in mind that you'll lose interest in the few days it takes your money to transfer from the old account to the new one. Use an online interest rate chaser calculator to determine whether the new interest rate is high enough to be worth your trouble.
How to Switch to a New Bank
If you've determined that switching banks is right for your situation and worth the work, take the following steps to move your account.
Research banks and choose the right one for your needs. Are you comfortable with an online-only bank? Many issue ATM cards and reimburse ATM fees. Or, perhaps you would be more comfortable using a bank with ATMs all over the country because you travel frequently.
Open and fund the account. You can do this online if you want. You'll need your social security number and driver's license number.
Switch direct deposits and automatic payments, and write any checks from the new account. This begins the process of turning your new account into your primary one.
Update your checking account information for any linked online accounts, such as credit cards or money transfer accounts (like Paypal).
Wait for checks and other payments to clear at your old bank. Don't rush to close your old account or move all your money out. You don't want any checks or automatic payments to bounce. It might be a good idea to leave some money in the old account and wait an extra month after you think you've switched everything over before you close it just to make sure you didn't forget anything and to make sure other financial institutions changed over their account info on time.
Empty your safe deposit box at the old bank, if you have one.
When all outstanding checks and scheduled payments have cleared and your safe deposit box is empty, it is safe to close your account. Simply contact the bank by email, phone, mail or in person and let them know you'd like to close your account. The bank will cut you a check for your remaining balance, or you can link your old checking account to your new one and transfer the funds out electronically. If your old account has a minimum account balance requirement, it may be safer to let the bank cut you a check so you don't risk incurring any fees.
13 Financial Frights
Talk about a nightmare. Home values are down, credit has dried up, unemployment is rising and the stock market has tanked.
If the financial crisis has hit home for you, don't fear. We have the solutions you need to cope, no matter what haunts you.
Half Your Nest Egg Is Gone
If you're about to retire or have retired into this bear market, don't panic -- your account has time to recover. Remember, retirement is a 20- to 30-year proposition. And if you sell your stocks or stock funds, you'll lock in the losses and won't benefit when the market recovers.
More from Kiplinger.com:
• 10 Things That Are Actually Going Right
• 5 Ways to Dig Yourself Out of Trouble
• How Safe Is Your Money?
However, if you need peace of mind and already have accumulated a comfortable nest egg, you might want to shift your portfolio's asset allocation to hold more money in money-market funds or bond funds. The rates of return will be small, but stable.
Your Long-Term Investments Have Tanked
Even if you're far from retirement, your recent brokerage statements probably have you wondering if your buy-and-hold strategy is for suckers.
It's not. But if you're feeling uneasy about your stock investments, now's a good time to reevaluate your holdings. Long-term investors should keep at least 70% of their investments in stocks and stock funds. Spread your stock money over several types of companies -- large and small, U.S. and foreign. Resist the urge to put all of your money into bonds and cash. Remember the old adage, "buy low, sell high?" Well, things are pretty low right now, so look at this as an opportunity.
You're Locked Out of a HELOC
Falling home prices have eroded many homeowners' equity, and banks are reducing or freezing home equity lines of credit as a result.
To regain access to your credit line, you'll have to pay for a $200 to $400 walk-through appraisal to prove that your home's value and equity have sufficiently increased. Or you may be able to provide "comps," a record of recent comparable sales in your area that meet your lender's specifications. Chat with your lender if you have a unique or special situation.
You Can’t Pay Your Mortgage
Don't wait until you've missed several payments to talk to your lender. The lender may be willing to reduce your payments for a few months.
Or you might qualify to refinance your loan -- and get lower payments as a result -- if your lender is participating in any of the new government programs, such as FHASecure or HOPE for Homeowners (see fha.gov). If you're worried about foreclosure, contact the HOPE NOW Alliance.
You Can't Sell Your House
You have to be willing to make trade-offs to sell a house in this market. Set a realistic price from the get-go -- now is not the time to try to make a big profit.
Get rid of all your clutter and neutralize your home so prospective buyers can imagine living there with their own things. Have your home inspectedso you can advertise it as "certified preowned," or offer a home warranty.
Your Student Can't Get a Loan
You still have options if your student doesn’t qualify for federal Stafford loans or your source of private student loans has dried up (about 30 lenders have left the business). Check with the school's financial-aid office, which may be able to give your strapped student a tuition discount, a bridge loan or a tuition payment plan. Consider a PLUS loan, which is non–need based and lets parents of dependent students borrow up to the full cost of attendance. Standards on these federally backed loans have been relaxed recently.
Consider Web sites, such as Fynanz.com, where lenders bid to give you loans.
Your Card Issuer Is Clamping Down
A majority of banks have tightened their credit-card lending standards by raising required credit scores or lowering credit limits. They're also scrutinizing your credit-card use more frequently, looking at where you live and what you buy, and they are less likely to cut you slack for minor infractions.
To stay in your card issuer's good graces, pay your bills on time< and use each of your cards once a quarter so the lender won't close the account. Also, ask the lender to waive fees or reduce the interest rate, or just look elsewhere if your card issuer cracks down despite your good record.
You're Considering Bankruptcy
You may be overwhelmed with bills, but get help before filing for bankruptcy. First, tell your lenders about your struggles; they could lower your interest rate or move your payment date. Also contact a reputable credit-counseling agency, which can help you set a budget, negotiate with creditors and dig out of debt. Consider a debt-management program: You send the credit-counseling agency money every month, which it distributes to your creditors. The agency can also lower your interest rates and wipe out your penalties.
For more help, contact a bankruptcy attorney.
If your bank was insured by the Federal Deposit Insurance Corp., you probably don't need to worry . Account holders now have $250,000 in FDIC coverage for single accounts and $250,000 for their share of joint accounts at each bank. As long as your account balance stays below that limit, you won't lose any money.
If you are making credit-card or mortgage payments to that bank, continue sending checks until you hear otherwise.
Your Brokerage Is Broke
The Securities and Exchange Commission has strict rules about segregating client investments from the brokerage firm's own money. Even if a broker goes under, investors' money should still remain intact.
However, if a firm used up its capital and misappropriated customers' securities, the Securities Investor Protection Corp. (SIPC) helps protect account holders. It first tries to transfer investors' securities to another firm. If that doesn't work, SIPC then attempts to rebuild the investors' portfolios, even buying new stocks or bonds to make up for any missing shares.
You Lost Your Job
Of course you'll want to freshen up that resume, evaluate your career goals and start pounding the pavement. But also get your finances in order to help you weather this storm.
First, apply for unemployment benefits as soon as possible. Check if you qualify for health coverage through your spouse's employer, or ask your former employer about continuing your health insurance through COBRA.
Then draw up a survival budget, including the minimum payments you'll need to make to your creditors, and how long your emergency stash of cash will sustain you. Next, look for alternative sources of income, such as a part-time job -- even if it means waiting tables at night while you job-hunt by day.
Scammers Are Lurking
Just when you're feeling most vulnerable, the vultures swoop in. Scammers are taking advantage of the financial crisis to bilk Americans out of even more money, from questionable loans to get-rich-quick investment schemes.
Lower your risk of getting scammed by not giving in to financial panic, using common sense and doing your research before taking any action. Never give your credit-card number, bank-account number or Social Security number to someone who contacts you by phone or e-mail.
You Can't Make Ends Meet
Thanks to lower prices for gas and new cars, inflation overall in the U.S. is flat. But with the costs of health insurance, food and utilities going up, you're probably still feeling the pinch.
Start by taking an honest look at your spending -– almost everyone has fat they can trim. Check your tax withholding, too. If your situation requires more drastic action, consider getting a second job, selling your car and using public transportation, getting a roommate to cover housing costs or even moving to a cheaper city.
If the financial crisis has hit home for you, don't fear. We have the solutions you need to cope, no matter what haunts you.
Half Your Nest Egg Is Gone
If you're about to retire or have retired into this bear market, don't panic -- your account has time to recover. Remember, retirement is a 20- to 30-year proposition. And if you sell your stocks or stock funds, you'll lock in the losses and won't benefit when the market recovers.
More from Kiplinger.com:
• 10 Things That Are Actually Going Right
• 5 Ways to Dig Yourself Out of Trouble
• How Safe Is Your Money?
However, if you need peace of mind and already have accumulated a comfortable nest egg, you might want to shift your portfolio's asset allocation to hold more money in money-market funds or bond funds. The rates of return will be small, but stable.
Your Long-Term Investments Have Tanked
Even if you're far from retirement, your recent brokerage statements probably have you wondering if your buy-and-hold strategy is for suckers.
It's not. But if you're feeling uneasy about your stock investments, now's a good time to reevaluate your holdings. Long-term investors should keep at least 70% of their investments in stocks and stock funds. Spread your stock money over several types of companies -- large and small, U.S. and foreign. Resist the urge to put all of your money into bonds and cash. Remember the old adage, "buy low, sell high?" Well, things are pretty low right now, so look at this as an opportunity.
You're Locked Out of a HELOC
Falling home prices have eroded many homeowners' equity, and banks are reducing or freezing home equity lines of credit as a result.
To regain access to your credit line, you'll have to pay for a $200 to $400 walk-through appraisal to prove that your home's value and equity have sufficiently increased. Or you may be able to provide "comps," a record of recent comparable sales in your area that meet your lender's specifications. Chat with your lender if you have a unique or special situation.
You Can’t Pay Your Mortgage
Don't wait until you've missed several payments to talk to your lender. The lender may be willing to reduce your payments for a few months.
Or you might qualify to refinance your loan -- and get lower payments as a result -- if your lender is participating in any of the new government programs, such as FHASecure or HOPE for Homeowners (see fha.gov). If you're worried about foreclosure, contact the HOPE NOW Alliance.
You Can't Sell Your House
You have to be willing to make trade-offs to sell a house in this market. Set a realistic price from the get-go -- now is not the time to try to make a big profit.
Get rid of all your clutter and neutralize your home so prospective buyers can imagine living there with their own things. Have your home inspectedso you can advertise it as "certified preowned," or offer a home warranty.
Your Student Can't Get a Loan
You still have options if your student doesn’t qualify for federal Stafford loans or your source of private student loans has dried up (about 30 lenders have left the business). Check with the school's financial-aid office, which may be able to give your strapped student a tuition discount, a bridge loan or a tuition payment plan. Consider a PLUS loan, which is non–need based and lets parents of dependent students borrow up to the full cost of attendance. Standards on these federally backed loans have been relaxed recently.
Consider Web sites, such as Fynanz.com, where lenders bid to give you loans.
Your Card Issuer Is Clamping Down
A majority of banks have tightened their credit-card lending standards by raising required credit scores or lowering credit limits. They're also scrutinizing your credit-card use more frequently, looking at where you live and what you buy, and they are less likely to cut you slack for minor infractions.
To stay in your card issuer's good graces, pay your bills on time< and use each of your cards once a quarter so the lender won't close the account. Also, ask the lender to waive fees or reduce the interest rate, or just look elsewhere if your card issuer cracks down despite your good record.
You're Considering Bankruptcy
You may be overwhelmed with bills, but get help before filing for bankruptcy. First, tell your lenders about your struggles; they could lower your interest rate or move your payment date. Also contact a reputable credit-counseling agency, which can help you set a budget, negotiate with creditors and dig out of debt. Consider a debt-management program: You send the credit-counseling agency money every month, which it distributes to your creditors. The agency can also lower your interest rates and wipe out your penalties.
For more help, contact a bankruptcy attorney.
If your bank was insured by the Federal Deposit Insurance Corp., you probably don't need to worry . Account holders now have $250,000 in FDIC coverage for single accounts and $250,000 for their share of joint accounts at each bank. As long as your account balance stays below that limit, you won't lose any money.
If you are making credit-card or mortgage payments to that bank, continue sending checks until you hear otherwise.
Your Brokerage Is Broke
The Securities and Exchange Commission has strict rules about segregating client investments from the brokerage firm's own money. Even if a broker goes under, investors' money should still remain intact.
However, if a firm used up its capital and misappropriated customers' securities, the Securities Investor Protection Corp. (SIPC) helps protect account holders. It first tries to transfer investors' securities to another firm. If that doesn't work, SIPC then attempts to rebuild the investors' portfolios, even buying new stocks or bonds to make up for any missing shares.
You Lost Your Job
Of course you'll want to freshen up that resume, evaluate your career goals and start pounding the pavement. But also get your finances in order to help you weather this storm.
First, apply for unemployment benefits as soon as possible. Check if you qualify for health coverage through your spouse's employer, or ask your former employer about continuing your health insurance through COBRA.
Then draw up a survival budget, including the minimum payments you'll need to make to your creditors, and how long your emergency stash of cash will sustain you. Next, look for alternative sources of income, such as a part-time job -- even if it means waiting tables at night while you job-hunt by day.
Scammers Are Lurking
Just when you're feeling most vulnerable, the vultures swoop in. Scammers are taking advantage of the financial crisis to bilk Americans out of even more money, from questionable loans to get-rich-quick investment schemes.
Lower your risk of getting scammed by not giving in to financial panic, using common sense and doing your research before taking any action. Never give your credit-card number, bank-account number or Social Security number to someone who contacts you by phone or e-mail.
You Can't Make Ends Meet
Thanks to lower prices for gas and new cars, inflation overall in the U.S. is flat. But with the costs of health insurance, food and utilities going up, you're probably still feeling the pinch.
Start by taking an honest look at your spending -– almost everyone has fat they can trim. Check your tax withholding, too. If your situation requires more drastic action, consider getting a second job, selling your car and using public transportation, getting a roommate to cover housing costs or even moving to a cheaper city.
我看新版《金瓶梅》
因条件所限，像我这样的小影迷只能呆在电脑面前看着镜头时常摇晃的枪版，并且尽力忍受我怀疑是某成人论坛的工作人员配的音。影片一开始就出现了强叔吃鞭的镜头，颇出意外，鉴于本片编剧纯属日本AV一般的水平，在此也就不讨论剧情的问题了。少年西门庆画外音自述他爹（强叔）是宋代的性学专家，爹有个书房，里面不让人进去，紧接自然引出几张房内春宫图的画图。我纳闷为啥西门庆他娘一出场就快不行了，于是在他爹妙手回春的回魂针下，享受了人生的最后行房乐趣。 说到这里，强叔的回魂针扎的手法让我想起了星野凉宇片子里的一段轻度SM。 到此，西门庆正式进入他爹系统的培训之中，手法借用了N年前徐锦江叔叔插沙的段落，可惜吊钢丝太明显了。前言结束。 第一段，西门庆在他爹的教育下不断成长，于是强叔给已经成年的西门庆（林伟健）带来了第一份练习，紫烟（先慌称到家避难的世友之女，后证实为秦淮河边的一个花了一百两黄金买来的演员，只为教导儿子取次花丛莫留情）配合恶俗的剧情下，健仔经过偷窥后完成了人生初次。
第二段，西门庆开始了他的大好河山之旅，寻遍千山万水尽是庸脂俗粉，结果皇天不负有心人，在荒山中高烧昏迷被一群尼姑（拥有女优一般的演技）所救，理由还是那句——救人一命胜造七级浮屠。娘登场，立刻艳压群芳，怎么现实中就没有这么超凡脱俗的尼姑呢？）一段云雨过后，西门庆与月娘回家成亲。娘登场，立刻艳压群芳，怎么现实中就没有这么超凡脱俗的尼姑呢？）一段云雨过后，西门庆与月娘回家成亲。第三段，西门庆与好友花子虚在王大户的府第作客，少女时代的潘金莲（丫鬟）登场(三寸金莲特写)。夜晚，西门庆在河边碰见独自流泪的金莲，慢慢安慰，一堆蜜语后邀其进房，在饥饿的金莲吃饱以后，西门庆以一腔正气维护未成年少女的姿态，提出只想看看金莲小脚。 第四段，花子虚与西门庆去凤翔山庄寻找服务，女老板告之庆今晚席位只限花子虚一人。 庆乃离去，半路遇山匪，一段打斗后被打晕，此时凤翔山庄的老板扮作SM女王的样子出现在庆的眼前（搞笑，衣服太现代了）。女老板出要庆满足她，若不能便不能让他离开。故事再次意料之中的进入高潮，想西门庆多年纵横脂粉界的经验自然几回合挑落女老板。（中间的动作上天入地，吸取前代精华略有创新，可惜太短）回家后，西门庆赶去王大户家替金莲赎身，得知其已被王大户妻嫉妒送与他人，一阵叹息，有缘无分。回家正碰见月娘寂寞无比，遂拉其丫鬟作双飞，一通翻腾，好不热闹。第五段，几年后，偶遇金莲，在王婆的帮助下，频频私会。OVER。
枪版连结尾都没有，我无语。正待风雨又起，为何偏偏早逝。导演钱文锜功力比起玉女心经时有所下降，难道真是廉颇老矣？我认为本片看客只把它当成一部中国版AV得了，剧情实在很弱智，两性戏份又太假，唯女主角.音乐略显出彩。等待下部吧。
第二段，西门庆开始了他的大好河山之旅，寻遍千山万水尽是庸脂俗粉，结果皇天不负有心人，在荒山中高烧昏迷被一群尼姑（拥有女优一般的演技）所救，理由还是那句——救人一命胜造七级浮屠。娘登场，立刻艳压群芳，怎么现实中就没有这么超凡脱俗的尼姑呢？）一段云雨过后，西门庆与月娘回家成亲。娘登场，立刻艳压群芳，怎么现实中就没有这么超凡脱俗的尼姑呢？）一段云雨过后，西门庆与月娘回家成亲。第三段，西门庆与好友花子虚在王大户的府第作客，少女时代的潘金莲（丫鬟）登场(三寸金莲特写)。夜晚，西门庆在河边碰见独自流泪的金莲，慢慢安慰，一堆蜜语后邀其进房，在饥饿的金莲吃饱以后，西门庆以一腔正气维护未成年少女的姿态，提出只想看看金莲小脚。 第四段，花子虚与西门庆去凤翔山庄寻找服务，女老板告之庆今晚席位只限花子虚一人。 庆乃离去，半路遇山匪，一段打斗后被打晕，此时凤翔山庄的老板扮作SM女王的样子出现在庆的眼前（搞笑，衣服太现代了）。女老板出要庆满足她，若不能便不能让他离开。故事再次意料之中的进入高潮，想西门庆多年纵横脂粉界的经验自然几回合挑落女老板。（中间的动作上天入地，吸取前代精华略有创新，可惜太短）回家后，西门庆赶去王大户家替金莲赎身，得知其已被王大户妻嫉妒送与他人，一阵叹息，有缘无分。回家正碰见月娘寂寞无比，遂拉其丫鬟作双飞，一通翻腾，好不热闹。第五段，几年后，偶遇金莲，在王婆的帮助下，频频私会。OVER。
枪版连结尾都没有，我无语。正待风雨又起，为何偏偏早逝。导演钱文锜功力比起玉女心经时有所下降，难道真是廉颇老矣？我认为本片看客只把它当成一部中国版AV得了，剧情实在很弱智，两性戏份又太假，唯女主角.音乐略显出彩。等待下部吧。
nick当初是怎样背叛后街男孩这个团体的
这个事情是真的…大家也可以看到Nick和Brian的关系已经没有2002年3月前那么好。那之前他们可真是形影不离的啊，甚至一起洗澡，巡演空隙还一起出去打篮球，但之后，这种情况很少见了。 主要是因为Nick在接受德国媒体POP JAM采访的时候率先爆出自己和Brian交恶的事。他说Brian认为他不该发行新专辑，并试图将他赶出组合。Nick对此”很遗憾“，并认为这是Brian在勒索自己。 不过从头到尾都是Nick一个人自说自话似的。Brian从没有就这个事回答过任何人，包括一些歌迷。 具体的可以去后街中国论坛“永远的后街男孩群”发帖询问。当时的情况只有当时就在网上活跃的那些歌迷才知道。另外Nick当年接受MTV的采访时也表示对后街男孩已经有所厌恶。 总而言之，假设Nick的单飞会非常成功…就像Justin那样……谁还会认为他会回到后街男孩中？
后街男孩最爱歌曲
1 后街男孩-as long as you love me
2 后街男孩 - everybody
3 后街男孩-get down
4 后街男孩－i want it that way
5 backstreet boys[后街男孩] - shape of my heart
6 后街男孩《larger than life》
7 后街男孩 get another boyfriend
8 后街男孩-quit playing games(with my heart)
9 后街男孩-show me the meaning of being lonely
10 后街男孩 - shining star(星光闪闪)
11 后街男孩-need you tonight
12 后街男孩backstreet boys-drowning淹没
13 后街男孩 - yes i will我愿意
2008年10月31日星期五
越狱里的经典台词
一个小女孩对他越狱的父亲说：“如果我在一个不能看见你的地方我也会跑出来。”超感动，被一颗纯真的心。 "Are you redry?"" no." " you?"" no !" " let's go!" 记住：找到机会就跑，不需要准备好。 “虽然我不能把她带回来，但是我能做到其它的事情。”“如果你出现什么事情，我该怎么办？”“只要你心存信念。”这就是为什么迈克尔为什么一定要救他哥哥的原因。 Michael: You and me…It's real… 我和你。。。是真的 深情而含蓄的表白。 Michael/Lincoln: Just have a little faith. 活得有信念点！ 逆境中的精神支柱。 Abruzzi: I kneel only to God. Don't see him here. 我只向上帝下跪。他可不在这！ 也许为了尊严，但更多的是赎罪。 带着尊严与骄傲离去，以及自己的信念。从容赴死前轻吻十字架的样子，像是这一生都已获得救赎。 Abruzzi: Take my hand so we can put all this behind us. 握手言和，把以前的一切一笔勾销吧。 Does not a warm hand feel better than a cold shark? 温暖的手不比冷酷的人好得多吗？ 渡尽劫波兄弟在，相逢一笑泯恩仇。 Friend of Sucre: You look like hell. Sucre: I'm man from hell, puppy. Now, I just gotta go to Vegas. -你看起来像是去拼命的。 -我可是从地狱逃出来的！我现在就要去维加斯。 Sucre对爱的执著让我感动。就像他说的，"She is the love of my life". 此生挚爱。 Be the change you want to see in the world. 欲变世界，先变其身 Michael/Lincoln: Just have a little faith. 活得有信念点！ 逆境中的精神支柱。
越狱
WENTWORTH MILLER在《越狱》中饰演 Michael Scofield Miller在英国出生，纽约的布鲁克林长大，毕业于普林斯顿大学。他在电影电视业是一个非常有竞争力的年轻演员。Miller刚开始的时候是在幕后工作的。在大学获得文学学士后，他于1995年春来到了洛衫矶，在一家小型的电视制作公司的发展部任职。然而，儿时的梦想使他很快地就走向了演艺界。 在之后的几年里，Miller逐渐开始出现在很多的电视剧中，如《吸血鬼猎人巴菲》，《仁心仁术》和《Popular》。Miller也有在电影《恐龙帝国》和《mega-series》里饰演过角色。Miller还出现在罗伯特·本顿导演的电影《人性污点》中，主角有安东尼·霍普金斯和妮可·基德曼。这部电影是关于种族和身份种种问题，霍普金斯饰演一个被指责的大学教授，一直隐藏着一个不可思议的秘密，而Miller扮演这个教授年轻的时候。 Miller接着出演了《黑夜传说》，客串了《《阿卡狄亚的琼》和《鬼语者》。然后便开始了《越狱》的拍摄，也因此被提名为2006年金球奖电视剧部分的最佳表演奖。
用手机挂QQ的问题----为什么我用手机挂QQ的时候,别人发信息给我会发送不成功？
有几种情况1.你的QQ版本不是QQ2007..而是QQ2005..那个软件存在相当重的网络延迟...估计会在一分钟左右别人才会收到你的消息...而回过来...网络延迟又是一分钟...2.如果不是QQ版本的问题...那就是网络问题了...在信号不好的情况下...可能会出现网络延迟或者消息丢失...但是要过几分钟你才会显示出掉线的字样...应该大问题就是这两个情况了...还有补充一点...QQ手机版本换得很快...还是建议经常换版本...因为手机QQ越用越大...如果手机不是很好就会出现"out of memory"的字样...最好是手机QQ只登陆你一个人的QQ号码...
推荐几款最好的PS插件
photoshop常用外挂滤镜 AlienSkin Eye Candy 5 Nature 英文版 是一款包含10种Photoshop自然滤镜的套装。Eye Candy 4000的三个升级套装的第二版，模拟自然界中的火、烟、锈、雪、冰等效果。 AlienSkin Eye Candy 5 Textures 汉化版 制作皮毛（Formerly Fur），砖块（brick wall),花纹板（Diamond Plate），大理石（Marble ），蛇皮（Reptile Skin），石材（Stone Wall），漩涡(Swirl),纹理点（Texture Noise），织物（Weave），木纹（Wood）。 AlienSkin Eye Candy 4000 汉化版： 内含反相、铬合金、闪耀、发光、阴影、HSB 噪点、水滴、水迹、挖剪、玻璃、斜面、烟幕、漩涡、毛发、木纹、编织、星星、斜视、大理石、摇动、运动痕迹、溶化、火焰共23个特效滤镜。 Alien Skin Xenofex v2.0 汉化版 星云特效、干裂特效、褶皱特效、电光特效、旗帜特效、闪电特效、云团特效、拼图特效、纸张撕裂特效、粉碎特效、污染特效。 knockout2.0 最常用最好用的扣图工具
adobe premiere2.0导入的AVI视频没有音频轨道?
输出一定要选择整条时间线还有就是音频打上勾 输出太慢是你选择输出的换面质量太高，估计你选择的是输出avi的高清格式，如果你选择稍微低些的质量会很快 前提是你内存最起码1G 还有不用插件就可以输出avi的格式了，没有必要用那些七七八八的东西 用插件是为了输出更小更清晰的别的格式
CAXA制造工程师2006的破解版
『CAXA制造工程师2006』破解版:http://bbs.chinahtml.com/22608 论坛里面是网驴下载的Http Ftp资源下载 2008.10.23 迅雷测试可以下载『CAXA制造工程师2006』原版ftp://caxaftp:ftp(0604)@211.154.163.80:1221/ME2006.rar 『CAXA制造工程师2006』原版破解文件：http://opoqo1.512j.com/soft/caxa2006cr.rar
为什么我的MSN安装不了
先安装此补丁，再安装最新的msn即不会出现关于安装MSN时候出现“需要安装 Windows Update Agent 5.8.02469或更高版本” 下载地址: http://www.fs2you.com/files/94cc85b8-faeb-11dc-b5c1-00142218fc6e/
10 Great Places to Retire for Democrats and Republicans
Some retirees want to live among members of their own political party
If you find yourself wanting to steal that McCain-Palin or Obama-Biden sign on your neighbor's lawn, you might want to factor that feeling in when you think about where you want to retire. More and more people are. Fact is, most retirees say they would like to live in a place where they fit in with the culture, and lifestyle choices increasingly tend to vary according to political party lines.
More from USNews.com: • Photos: Best Political Places to Retire • Why Democrats and Republicans Live Where They Do • Best Places to Retire
Americans have been sorting themselves into these like-minded groups for three decades. Bill Bishop, coauthor of The Big Sort: Why the Clustering of Like-Minded America Is Tearing Us Apart, and Robert Cushing, a retired sociology professor, found that 48 percent of voters lived in communities where the presidential election wasn't close at all in 2004, up from 39 percent in 1992. "It's not about single-payer healthcare and Iran. It's not policy," says Bishop. "It's people who have the same kind of way of life, people who think alike."
To pick 10 great retirement spots where Republicans and Democrats would feel right at home, U.S. News tapped our list of over 2,000 Best Places to Retire and sought out places in congressional districts that leaned heavily toward one political party in the past two presidential elections. (You can use our search tool to build a list of retirement spots based on your personal preferences, including recreational and cultural activities, healthcare, region, and climate.) "For most people, politics isn't at the center of their lives," says Diana Mutz, a political science and communication professor at the University of Pennsylvania and author of Hearing the Other Side: Deliberative Versus Participatory Democracy. "If you choose a community based on the availability of certain types of schools or amenities, that's going to attract other people with similar types of viewpoints."
There's nothing quite like the warm bath of expressing your political views in public and knowing they are whole-heartedly embraced by the majority of your neighbors. "Pretty much when you meet people you can assume they are on the same political wavelength that you are," Ashleigh Evans, 69, a retired actress and regional director for Oracle Resource Services, says about San Mateo, Calif. "If a plumber comes to the house, you can pretty much assume he is a Democrat and feels the same way about most things that I do."
Evans is now the secretary and a past chair of an approximately 70-member political club called San Mateo County Democracy for America. Members meet at least once a month to increase voter registration, write letters to the editor, and send E-mails and make phone calls to potential voters. They hold occasional protests, especially against the Iraq war. But those in the political minority may find San Mateo less hospitable. "Here Republicans might keep their views to themselves because they might not feel as comfortable talking about politics," says Evans.
The situation is reversed in Republican-majority communities. "We want to make sure that our community remains Republican," says Sharon Dale, 65, a retiree who is president of the Fort Worth (Texas) Republican Women's Club, an approximately 220-member group that meets once a month to support Republican candidates for office and work on charity projects, especially for American troops. "Even people who are not involved in campaigns are still conservative and share our way of thinking," Dale says about Fort Worth. And the desire to be part of a like-minded community isn't just confined to the two major parties. Ron Paul supporters have recently begun to establisha community, Paulville, in western Texas made up exclusively of those who share Paul's libertarian views.
It doesn't hurt when a retirement haven combines small-town charms with proximity to a world-class city. Democratic Maplewood, N.J., offers quaint neighborhoods, a walkable downtown, and nearby hiking in the 2,047-acre South Mountain Reservation, but it's just 20 miles from New York City. Retirees in the Republican stronghold of Hoover, Ala., can enjoy nine golf courses, the 250-acre Moss Rock Preserve, stimulating the economy at the more than 200 stores at the massive Riverchase Galleria shopping center, and a senior center that serves lunch daily to those over 60 for a suggested donation of $1. And Hoover is within 10 miles of Birmingham.
Anyone who's ever been the only Democrat or Republican in the room can probably recall the icy social isolation of peers who just don't understand your cherished and cultivated values. "People test the waters and find out who they have politically agreeable and disagreeable views with, and, if they are disagreeable, they avoid conversations with those people," says Mutz. Or you can fill the ideological space between you with small talk. "If you do find yourself in a divided community, you talk about your grandkids and investments," says Morris Fiorina, a Stanford University political science professor and author of Culture War: The Myth of a Polarized America. Fiorina says most Americans are moderate and don't have extreme liberal or conservative views.
Many retirees say they are able to find common ground with friends and neighbors in both parties. Big cities, like heavily Democratic Chicago and majority Republican Cincinnati, are sure to offer enough entertainment, culture, recreation, and education opportunities to allow any retiree with a taste for city life to find a niche. Smaller college towns like strongly Republican Idaho Falls, Idaho, and Democratic stronghold Dearborn, Mich., both offer major museums and ample opportunities for outdoor activities."If the people are nice, it doesn't matter whether they are Democrats or Republicans or uncommitted voters, but if they want to vote Democratic, I appreciate that," says Sophie Bock, 83, a retired bookkeeper and president of the Democratic club at her gated retirement community in Pembroke Pines, Fla., a town located in one of the hotly contested counties during the fateful Bush versus Gore attempted recount.
Frank Guliuzza, 51, a professor of political science and philosophy at Weber State University in Ogden, Utah, and the adviser to the college Republican student group, cultivates friendships in both parties. "I think the student body on the university campus is probably more conservative than you would find at a lot of communities, but I am in a university community where I would guess that, by far, the majority of people are Democrats," he says. Perhaps the three downhill ski areas, extensive trail system, minor league baseball team, and historic business district with mountain views offer enough distraction from party differences. Guliuzza is planning to stay in Ogden when he retires.
Of course, if you'd like to whittle away your retirement engaged in heated debate, you just might want to try retiring in the opposite party's haven. Just throw up an Obama sign in red country or vice versa and let the arguments begin. "There is a tiny portion of the population that likes a good fight, but for most people it's uncomfortable," cautions Mutz. Just don't say we didn't warn you.
Here are 10 great retirement spots that have skewed heavily Democratic or Republican in the past two presidential elections.
Democratic:
Chicago, Ill.
Dearborn, Mich.
Maplewood, N.J.
Pembroke Pines, Fla.
San Mateo, Calif.
Republican:
Cincinnati, Ohio
Fort Worth, Texas
Hoover, Ala.
Idaho Falls, Idaho
Ogden, Utah
If you find yourself wanting to steal that McCain-Palin or Obama-Biden sign on your neighbor's lawn, you might want to factor that feeling in when you think about where you want to retire. More and more people are. Fact is, most retirees say they would like to live in a place where they fit in with the culture, and lifestyle choices increasingly tend to vary according to political party lines.
More from USNews.com: • Photos: Best Political Places to Retire • Why Democrats and Republicans Live Where They Do • Best Places to Retire
Americans have been sorting themselves into these like-minded groups for three decades. Bill Bishop, coauthor of The Big Sort: Why the Clustering of Like-Minded America Is Tearing Us Apart, and Robert Cushing, a retired sociology professor, found that 48 percent of voters lived in communities where the presidential election wasn't close at all in 2004, up from 39 percent in 1992. "It's not about single-payer healthcare and Iran. It's not policy," says Bishop. "It's people who have the same kind of way of life, people who think alike."
To pick 10 great retirement spots where Republicans and Democrats would feel right at home, U.S. News tapped our list of over 2,000 Best Places to Retire and sought out places in congressional districts that leaned heavily toward one political party in the past two presidential elections. (You can use our search tool to build a list of retirement spots based on your personal preferences, including recreational and cultural activities, healthcare, region, and climate.) "For most people, politics isn't at the center of their lives," says Diana Mutz, a political science and communication professor at the University of Pennsylvania and author of Hearing the Other Side: Deliberative Versus Participatory Democracy. "If you choose a community based on the availability of certain types of schools or amenities, that's going to attract other people with similar types of viewpoints."
There's nothing quite like the warm bath of expressing your political views in public and knowing they are whole-heartedly embraced by the majority of your neighbors. "Pretty much when you meet people you can assume they are on the same political wavelength that you are," Ashleigh Evans, 69, a retired actress and regional director for Oracle Resource Services, says about San Mateo, Calif. "If a plumber comes to the house, you can pretty much assume he is a Democrat and feels the same way about most things that I do."
Evans is now the secretary and a past chair of an approximately 70-member political club called San Mateo County Democracy for America. Members meet at least once a month to increase voter registration, write letters to the editor, and send E-mails and make phone calls to potential voters. They hold occasional protests, especially against the Iraq war. But those in the political minority may find San Mateo less hospitable. "Here Republicans might keep their views to themselves because they might not feel as comfortable talking about politics," says Evans.
The situation is reversed in Republican-majority communities. "We want to make sure that our community remains Republican," says Sharon Dale, 65, a retiree who is president of the Fort Worth (Texas) Republican Women's Club, an approximately 220-member group that meets once a month to support Republican candidates for office and work on charity projects, especially for American troops. "Even people who are not involved in campaigns are still conservative and share our way of thinking," Dale says about Fort Worth. And the desire to be part of a like-minded community isn't just confined to the two major parties. Ron Paul supporters have recently begun to establisha community, Paulville, in western Texas made up exclusively of those who share Paul's libertarian views.
It doesn't hurt when a retirement haven combines small-town charms with proximity to a world-class city. Democratic Maplewood, N.J., offers quaint neighborhoods, a walkable downtown, and nearby hiking in the 2,047-acre South Mountain Reservation, but it's just 20 miles from New York City. Retirees in the Republican stronghold of Hoover, Ala., can enjoy nine golf courses, the 250-acre Moss Rock Preserve, stimulating the economy at the more than 200 stores at the massive Riverchase Galleria shopping center, and a senior center that serves lunch daily to those over 60 for a suggested donation of $1. And Hoover is within 10 miles of Birmingham.
Anyone who's ever been the only Democrat or Republican in the room can probably recall the icy social isolation of peers who just don't understand your cherished and cultivated values. "People test the waters and find out who they have politically agreeable and disagreeable views with, and, if they are disagreeable, they avoid conversations with those people," says Mutz. Or you can fill the ideological space between you with small talk. "If you do find yourself in a divided community, you talk about your grandkids and investments," says Morris Fiorina, a Stanford University political science professor and author of Culture War: The Myth of a Polarized America. Fiorina says most Americans are moderate and don't have extreme liberal or conservative views.
Many retirees say they are able to find common ground with friends and neighbors in both parties. Big cities, like heavily Democratic Chicago and majority Republican Cincinnati, are sure to offer enough entertainment, culture, recreation, and education opportunities to allow any retiree with a taste for city life to find a niche. Smaller college towns like strongly Republican Idaho Falls, Idaho, and Democratic stronghold Dearborn, Mich., both offer major museums and ample opportunities for outdoor activities."If the people are nice, it doesn't matter whether they are Democrats or Republicans or uncommitted voters, but if they want to vote Democratic, I appreciate that," says Sophie Bock, 83, a retired bookkeeper and president of the Democratic club at her gated retirement community in Pembroke Pines, Fla., a town located in one of the hotly contested counties during the fateful Bush versus Gore attempted recount.
Frank Guliuzza, 51, a professor of political science and philosophy at Weber State University in Ogden, Utah, and the adviser to the college Republican student group, cultivates friendships in both parties. "I think the student body on the university campus is probably more conservative than you would find at a lot of communities, but I am in a university community where I would guess that, by far, the majority of people are Democrats," he says. Perhaps the three downhill ski areas, extensive trail system, minor league baseball team, and historic business district with mountain views offer enough distraction from party differences. Guliuzza is planning to stay in Ogden when he retires.
Of course, if you'd like to whittle away your retirement engaged in heated debate, you just might want to try retiring in the opposite party's haven. Just throw up an Obama sign in red country or vice versa and let the arguments begin. "There is a tiny portion of the population that likes a good fight, but for most people it's uncomfortable," cautions Mutz. Just don't say we didn't warn you.
Here are 10 great retirement spots that have skewed heavily Democratic or Republican in the past two presidential elections.
Democratic:
Chicago, Ill.
Dearborn, Mich.
Maplewood, N.J.
Pembroke Pines, Fla.
San Mateo, Calif.
Republican:
Cincinnati, Ohio
Fort Worth, Texas
Hoover, Ala.
Idaho Falls, Idaho
Ogden, Utah
Consumers' mood posts record drop
Friday October 31, 9:57 am ET
NEW YORK (Reuters) - Consumer confidence suffered its steepest monthly drop on record in October, a survey showed on Friday, as the worst financial crisis in generations continued to take its toll.
The Reuters/University of Michigan Surveys of Consumers said its final reading of its index of confidence plunged to 57.6 in October from 70.3 in September.
That was just slightly below economists' expectations for a reading of 57.8, according to the median of their forecasts in a Reuters poll. It was up marginally from 57.5 recorded in the Surveys' of Consumers preliminary report released on October 17.
"Consumers reported the most dismal assessments of their current financial situation ever recorded," the report said.
The index was its lowest since a reading of 56.4 in June of this year.
The report said there have previously only been four surveys that posted double-digit declines, "and all resulted from severe economic dislocations, with the losses accelerated by fear and panic."
The University of Michigan confidence index dates back to 1952. Its record low was 51.7, which it hit in May 1980.
Consumers rated current economic conditions the worst on record, with this gauge falling to 58.4 from September's 75.0.
The gauge of one-year inflation expectations eased to 3.9 percent from September's 4.3 percent.
Five-year inflation expectations eased to 2.9 percent from 3.0 percent in September.
The outlook for the future was dire, with the index of consumer expectations falling to its lowest since July this year, when soaring energy prices were still hitting sentiment.
(Reporting by Chris Reese; Editing by James Dalgleish)
NEW YORK (Reuters) - Consumer confidence suffered its steepest monthly drop on record in October, a survey showed on Friday, as the worst financial crisis in generations continued to take its toll.
The Reuters/University of Michigan Surveys of Consumers said its final reading of its index of confidence plunged to 57.6 in October from 70.3 in September.
That was just slightly below economists' expectations for a reading of 57.8, according to the median of their forecasts in a Reuters poll. It was up marginally from 57.5 recorded in the Surveys' of Consumers preliminary report released on October 17.
"Consumers reported the most dismal assessments of their current financial situation ever recorded," the report said.
The index was its lowest since a reading of 56.4 in June of this year.
The report said there have previously only been four surveys that posted double-digit declines, "and all resulted from severe economic dislocations, with the losses accelerated by fear and panic."
The University of Michigan confidence index dates back to 1952. Its record low was 51.7, which it hit in May 1980.
Consumers rated current economic conditions the worst on record, with this gauge falling to 58.4 from September's 75.0.
The gauge of one-year inflation expectations eased to 3.9 percent from September's 4.3 percent.
Five-year inflation expectations eased to 2.9 percent from 3.0 percent in September.
The outlook for the future was dire, with the index of consumer expectations falling to its lowest since July this year, when soaring energy prices were still hitting sentiment.
(Reporting by Chris Reese; Editing by James Dalgleish)
Worst Month Since 1987: Investors Say Good Riddance to October
Posted Oct 31, 2008 10:59am EDT by Aaron Task in Investing, Commodities, Recession
Related: ^dji, ^gspc, ^ixic, SPY, DIA, AXP, QQQQ
A big rally this week has salved something for the bulls, but October 2008 is going to go down as one of the worst months in financial market history.
Heading into Friday, the Dow was down 15.4% for the month, on track for the 11th-worst in its history and the worst month since 1987. (Earlier this week the Dow and S&P were on track for the worst month since 1931 so "worst in 21 years" doesn't seem as awful.)
October was the worst-ever month for Japan's Nikkei, despite this week being its best week ever.
The Reuters/Jefferies CRB Index of commodities plunged 24% this month, the steepest decline since 1956. Crude is on track for a record monthly drop, copper its biggest retreat in two decades and gold its worst performance in 25 years, Bloomberg reports.
Even as the markets seemed to find some footing this week, the economic hits keep on coming, which is why San Francisco Fed President Janet Yellen used such stark language yesterday.
Thursday's Q3 GDP report, while better than feared, was the weakest since 2001 and featured the first drop in consumer spending since 1991 and the biggest since 1980.
Friday's personal spending data showed a 0.3% decline in September, the biggest drop in four years.
In October, the Chicago Purchasing Managers Index fell to its lowest level since 2001.
Friday's U. of Michigan consumer confidence survey was the weakest on record, confirming the Conference Board's earlier report.
At the same time the economy is slowing, consumers are reigning in spending as they worry about job security. Getting out from under a mountain of debt is certainly good for individuals. But from a societal perspective in a consumer-fueled economy it raises what economists call "the Paradox of thrift."
Related: ^dji, ^gspc, ^ixic, SPY, DIA, AXP, QQQQ
A big rally this week has salved something for the bulls, but October 2008 is going to go down as one of the worst months in financial market history.
Heading into Friday, the Dow was down 15.4% for the month, on track for the 11th-worst in its history and the worst month since 1987. (Earlier this week the Dow and S&P were on track for the worst month since 1931 so "worst in 21 years" doesn't seem as awful.)
October was the worst-ever month for Japan's Nikkei, despite this week being its best week ever.
The Reuters/Jefferies CRB Index of commodities plunged 24% this month, the steepest decline since 1956. Crude is on track for a record monthly drop, copper its biggest retreat in two decades and gold its worst performance in 25 years, Bloomberg reports.
Even as the markets seemed to find some footing this week, the economic hits keep on coming, which is why San Francisco Fed President Janet Yellen used such stark language yesterday.
Thursday's Q3 GDP report, while better than feared, was the weakest since 2001 and featured the first drop in consumer spending since 1991 and the biggest since 1980.
Friday's personal spending data showed a 0.3% decline in September, the biggest drop in four years.
In October, the Chicago Purchasing Managers Index fell to its lowest level since 2001.
Friday's U. of Michigan consumer confidence survey was the weakest on record, confirming the Conference Board's earlier report.
At the same time the economy is slowing, consumers are reigning in spending as they worry about job security. Getting out from under a mountain of debt is certainly good for individuals. But from a societal perspective in a consumer-fueled economy it raises what economists call "the Paradox of thrift."
Asia stock markets mixed, Nikkei slides
Asia stock markets mixed, Japan's Nikkei falls despite first rate cut in 7 years
BANGKOK, Thailand (AP) -- Asian markets were mixed Friday as Japanese stocks fell despite the first rate cut in seven years while Indian shares soared to catch up with the global market rally after a holiday there.
Investors were also digesting data overnight that confirmed the U.S. economy -- a major export market -- had contracted in the third quarter.
Tokyo's Nikkei 225 index sank 5 percent to 8,576.98 despite the Bank of Japan's decision to lower its key rate from 0.5 percent to 0.3 percent. Analysts said some investors viewed the measure as half-hearted and wanted a full quarter-point cut.
South Korea's market extended the previous session's 12 percent rally with the Korea Composite Stock Price Index up 2.8 percent at 1,113.29. Australia's key index climbed out of negative territory to close 0.4 percent higher.
"Clients are a little more willing to re-enter the markets as the sense of panic has subsided a bit and valuations have been hammered to ridiculous levels," said Andrew Yates, vice president of foreign institutional sales at Asia Plus Securities in Bangkok.
"Obviously further volatility is likely but funds are picking up stocks at cheap levels for end of month rebalancing of portfolios," he said.
Hong Kong's Hang Seng was down 1.5 percent at 14116.75 after vaulting 12.8 percent Thursday but smaller Asian markets such as the Philippines, Taiwan and Thailand posted gains of 3 percent or more while Jakarta's main index surged 7.1 percent.
In India, the benchmark Sensex index surged 7.3 percent to 9,693.43 as traders caught up with Thursday's rally in Asian markets, when investors cheered a U.S. Federal Reserve rate cut and further central bank steps to boost dollar liquidity in emerging markets.
Japanese stocks were modestly lower for much of the day after jumping nearly 10 percent Thursday on expectations of a rate cut by the central bank.
But when the Bank of Japan announced the cut -- first since March 2001 -- the market fell sharply. With interest rates in Japan already the lowest in the developed world, many analysts doubt looser monetary policy will do much to stimulate the world's second largest economy.
The Bank of Japan's policy board were split 4-4, so Gov. Masaaki Shirakawa, who has the final say in the event of a tie, voted in favor of the cut.
The bank warned that "adjustments in the world economy stemming from financial crises in the United States and Europe have further increased in severity."
Honda Motor Co. fell 13 percent to 2523 yen, Mitsubishi UFJ Finance was down 5.4 percent at 598 yen and Sony Corp. was down 2.2 percent at 2280 yen.
U.S. data overnight confirmed the world's largest economy contracted in the July-September quarter by an annual pace of 0.3 percent, marking the worst showing since it contracted at a 1.4 percent pace in the third quarter of 2001.
"The U.S. economy obviously contracted a lot more than the data says and it is likely to be revised lower. There are clear signs the contraction accelerated from September onward so the fourth quarter will also be weak," said Yates.
The Dow Jones industrial average rose 189.73, or 2.11 percent, to 9,180.69. The S&P 500 index rose 24.00, or 2.58 percent, to 954.09.
U.S. stock index futures were lower, suggesting Wall Street would pull back Friday.
Confirmation the American economy is on the ropes sent oil below $65 a barrel in Asian trade with light, sweet crude for December delivery down $1.71 to $64.25 a barrel in electronic trading on the New York Mercantile Exchange by midday Friday in Singapore.
BANGKOK, Thailand (AP) -- Asian markets were mixed Friday as Japanese stocks fell despite the first rate cut in seven years while Indian shares soared to catch up with the global market rally after a holiday there.
Investors were also digesting data overnight that confirmed the U.S. economy -- a major export market -- had contracted in the third quarter.
Tokyo's Nikkei 225 index sank 5 percent to 8,576.98 despite the Bank of Japan's decision to lower its key rate from 0.5 percent to 0.3 percent. Analysts said some investors viewed the measure as half-hearted and wanted a full quarter-point cut.
South Korea's market extended the previous session's 12 percent rally with the Korea Composite Stock Price Index up 2.8 percent at 1,113.29. Australia's key index climbed out of negative territory to close 0.4 percent higher.
"Clients are a little more willing to re-enter the markets as the sense of panic has subsided a bit and valuations have been hammered to ridiculous levels," said Andrew Yates, vice president of foreign institutional sales at Asia Plus Securities in Bangkok.
"Obviously further volatility is likely but funds are picking up stocks at cheap levels for end of month rebalancing of portfolios," he said.
Hong Kong's Hang Seng was down 1.5 percent at 14116.75 after vaulting 12.8 percent Thursday but smaller Asian markets such as the Philippines, Taiwan and Thailand posted gains of 3 percent or more while Jakarta's main index surged 7.1 percent.
In India, the benchmark Sensex index surged 7.3 percent to 9,693.43 as traders caught up with Thursday's rally in Asian markets, when investors cheered a U.S. Federal Reserve rate cut and further central bank steps to boost dollar liquidity in emerging markets.
Japanese stocks were modestly lower for much of the day after jumping nearly 10 percent Thursday on expectations of a rate cut by the central bank.
But when the Bank of Japan announced the cut -- first since March 2001 -- the market fell sharply. With interest rates in Japan already the lowest in the developed world, many analysts doubt looser monetary policy will do much to stimulate the world's second largest economy.
The Bank of Japan's policy board were split 4-4, so Gov. Masaaki Shirakawa, who has the final say in the event of a tie, voted in favor of the cut.
The bank warned that "adjustments in the world economy stemming from financial crises in the United States and Europe have further increased in severity."
Honda Motor Co. fell 13 percent to 2523 yen, Mitsubishi UFJ Finance was down 5.4 percent at 598 yen and Sony Corp. was down 2.2 percent at 2280 yen.
U.S. data overnight confirmed the world's largest economy contracted in the July-September quarter by an annual pace of 0.3 percent, marking the worst showing since it contracted at a 1.4 percent pace in the third quarter of 2001.
"The U.S. economy obviously contracted a lot more than the data says and it is likely to be revised lower. There are clear signs the contraction accelerated from September onward so the fourth quarter will also be weak," said Yates.
The Dow Jones industrial average rose 189.73, or 2.11 percent, to 9,180.69. The S&P 500 index rose 24.00, or 2.58 percent, to 954.09.
U.S. stock index futures were lower, suggesting Wall Street would pull back Friday.
Confirmation the American economy is on the ropes sent oil below $65 a barrel in Asian trade with light, sweet crude for December delivery down $1.71 to $64.25 a barrel in electronic trading on the New York Mercantile Exchange by midday Friday in Singapore.
Beaten down, American consumers burrow deeper
Friday October 31, 2:23 am ET By Jeannine Aversa, AP Economics Writer
American consumers clobbered by housing, credit and financial fallout
WASHINGTON (AP) -- Beaten down and watching their wealth shrink, Americans are burrowing ever deeper -- cutting back on spending and spelling more trouble for the sinking economy.
One of the biggest problems saddling the country is damage from the housing market's collapse. Mounting foreclosures, falling home prices and soured mortgage investments are taking their toll on both individuals and businesses alike.
Federal Reserve Chairman Ben Bernanke, who is scheduled to speak via satellite Friday at a Berkeley, Calif., conference on the mortgage meltdown, is likely to call on government officials and lawmakers to keep working on ways to provide more relief.
The Bush administration is considering a plan that would help around 3 million struggling homeowners avoid foreclosure by having the government guarantee billions of dollars worth of distressed mortgages. The plan also could include loan modifications that would lower interest rates for a five-year period.
Fallout from the housing meltdown has spurred the worst global credit and financial crisis in more than a half century. To combat the problems, the government has taken a flurry of bold steps. The Treasury Department is pouring $250 billion into banks in return for partial ownership and the Fed this week started buying mounds of debt from companies. It also slashed interest rates to 1 percent, a level seen only once before in the last half century.
A new batch of economic reports out Friday is likely to offer fresh confirmation of the stresses weighing on American consumers. Income growth is expected to barely budge in September, inching up just 0.1 percent, according to economists' estimates. Consumers probably trimmed their spending during the month by 0.3 percent, economists predict.
And, given the weak jobs market, employers aren't expected to be overly generous with compensation to their employees. Workers' wages and benefit costs are expected to rise 0.7 percent during the third quarter, economists are forecasting. If that happens, it would mark the same size increase from the previous quarter.
All in all, the economy as a whole contracted at a 0.3 percent pace in the July-to-September quarter, reflecting a sharp pull-back by consumers. They ratcheted back spending by the largest amount in nearly three decades, the government reported Thursday. Consumers' disposable income took its biggest drop on records dating back to 1947. Retailers are bracing for a grim holiday buying season.
Economists say tougher times are still ahead. Believing consumers are cutting back even more right now, they predict a much larger economic decline -- anywhere from a 1 to 2 percent rate -- during the current October-December period. That would meet a classic definition of a recession -- two straight quarters of shrinking GDP.
The grim news comes just days before the nation picks the next president. Either Democrat Barack Obama or Republican John McCain will inherit a deeply troubled economy and a record-high budget deficit that could cramp spending plans.
"I think it's very, very important not to hold out the prospect of silver bullets that will correct these crises," Lawrence Summers, a Treasury secretary in the Clinton administration, said in Boston on Thursday.
"One of the difficulties has been there's been a succession of silver bullets that turned out to be hollow," he said. "So I think one just has to be really careful and sober about recognizing there are very serious risks in the situation ... and that the process of improvement will take time."
Associated Press Writer Jay Lindsay in Boston contributed to this report.
American consumers clobbered by housing, credit and financial fallout
WASHINGTON (AP) -- Beaten down and watching their wealth shrink, Americans are burrowing ever deeper -- cutting back on spending and spelling more trouble for the sinking economy.
One of the biggest problems saddling the country is damage from the housing market's collapse. Mounting foreclosures, falling home prices and soured mortgage investments are taking their toll on both individuals and businesses alike.
Federal Reserve Chairman Ben Bernanke, who is scheduled to speak via satellite Friday at a Berkeley, Calif., conference on the mortgage meltdown, is likely to call on government officials and lawmakers to keep working on ways to provide more relief.
The Bush administration is considering a plan that would help around 3 million struggling homeowners avoid foreclosure by having the government guarantee billions of dollars worth of distressed mortgages. The plan also could include loan modifications that would lower interest rates for a five-year period.
Fallout from the housing meltdown has spurred the worst global credit and financial crisis in more than a half century. To combat the problems, the government has taken a flurry of bold steps. The Treasury Department is pouring $250 billion into banks in return for partial ownership and the Fed this week started buying mounds of debt from companies. It also slashed interest rates to 1 percent, a level seen only once before in the last half century.
A new batch of economic reports out Friday is likely to offer fresh confirmation of the stresses weighing on American consumers. Income growth is expected to barely budge in September, inching up just 0.1 percent, according to economists' estimates. Consumers probably trimmed their spending during the month by 0.3 percent, economists predict.
And, given the weak jobs market, employers aren't expected to be overly generous with compensation to their employees. Workers' wages and benefit costs are expected to rise 0.7 percent during the third quarter, economists are forecasting. If that happens, it would mark the same size increase from the previous quarter.
All in all, the economy as a whole contracted at a 0.3 percent pace in the July-to-September quarter, reflecting a sharp pull-back by consumers. They ratcheted back spending by the largest amount in nearly three decades, the government reported Thursday. Consumers' disposable income took its biggest drop on records dating back to 1947. Retailers are bracing for a grim holiday buying season.
Economists say tougher times are still ahead. Believing consumers are cutting back even more right now, they predict a much larger economic decline -- anywhere from a 1 to 2 percent rate -- during the current October-December period. That would meet a classic definition of a recession -- two straight quarters of shrinking GDP.
The grim news comes just days before the nation picks the next president. Either Democrat Barack Obama or Republican John McCain will inherit a deeply troubled economy and a record-high budget deficit that could cramp spending plans.
"I think it's very, very important not to hold out the prospect of silver bullets that will correct these crises," Lawrence Summers, a Treasury secretary in the Clinton administration, said in Boston on Thursday.
"One of the difficulties has been there's been a succession of silver bullets that turned out to be hollow," he said. "So I think one just has to be really careful and sober about recognizing there are very serious risks in the situation ... and that the process of improvement will take time."
Associated Press Writer Jay Lindsay in Boston contributed to this report.
直属学院艺术系举办赵维平老师个人画展
9月24日上午，直属学院艺术系在图书馆二楼举办赵维平老师专场画展。省电大校长温海昌、工会主席丁胡诚、直属学院副院长刘红兵、艺术系主任李俊生和艺术系的老师、老专家等参加了画展。 赵维平老师长期从事美术专业绘画基础课及专业基础课的教学工作。在教学工作中他严谨治学，在日常生活中关心学生，待人热情、为人诚恳，深受师生好评。赵老师在艺术探索中，侧重于油画创作和研究，他的画风苍劲、古朴，功底扎实，色彩浑厚。在创作中追求写诗中求寓意，平淡中求内涵的艺术风格。他的作品多次参加全国各种绘画比赛并获奖。此次展出作品是赵老师近十年来创作的部分佳作。
直属学院举办“迎七一、爱祖国”合唱比赛
为丰富校园文化生活，歌颂祖国发展的光辉历程，歌颂改革开放的巨大成就，弘扬爱国主义、集体主义精神，提高学生艺术修养，加强对爱国主义教育的深刻认识和理性处理，促进校园精神文明建设。直属学院于6月17日在图书馆二楼多功能厅举办了“理性爱国，心系灾区，唱响奥运”系列团学活动——“迎七一、爱中华”合唱比赛。直属学院副院长王春先、艺术系主任李俊生、党支部书记司松林与全体师生共同观看了演出。 本次比赛共有19支学生方队1000余人参赛，各参赛队送上了《北京欢迎你》、《让世界充满爱》、《我和我的祖国》等一系列曲风优美、精彩纷呈的歌曲。各方队表演准备充分，精神饱满，台风端正，其表现力震撼全场，才艺展示精彩纷呈，整个过程高潮迭起，唱出了当代大学生朝气蓬勃、积极向上的精神风貌，体现了新时代青年爱祖国、爱人民、爱学习、爱劳动的优良品格，增强师生的凝聚力、向心力和集体荣誉感，抒发了爱国热情。
魏家盛、买德润鱼骨画艺术作品展
6月4日上午，直属学院在图书馆二楼举办魏家盛、买德润鱼骨画艺术作品展。此次作品展是由原周口军分区司令员魏家盛和原省电大副校长买德润夫妇潜心创作完成的。省电大党委副书记李爱华、闻金宝和工会主席丁胡诚以及直属学院院长陈宗彬、副院长刘红兵、艺术系主任李俊生、副主任王胜军参观了艺术展。李爱华副书记发表了热情洋溢的讲话，高度赞扬了两位老同志孜孜不倦的创作精神和高超的艺术表现能力，殷切希望大学生们要学习他们热爱生活、热爱艺术的可贵品质，努力学习，报效社会。 此次展示的鱼骨画作品有梅、兰、竹、菊、松、葡萄、南海风光、花鸟盆景等六十余件，其作品构思精巧大气，并配以一生戎马生涯的感慨词句，感染力强，观赏性、思想性、艺术性、实用性皆备，充分展现了他们深厚的艺术造诣，体现了一位老军人丰富的内心世界。作品从原料收集到立意创作、构图经营，他们共同探索、互相协作，倾注了很多心血，这种全身心为艺术奉献的精神、以及孜孜不倦的创作态度值得大家尤其是在校大学生的学习和敬重。
省直电大组织学生参观《鲁迅读书生活》展览
4月26日上午，省直电大100余名汉语言专业学生在学生科、教学科老师的带领下，徒步来到河南博物院参观了《鲁迅的读书生活》展览。 在听取了省博物院和北京鲁迅博物馆领导的开展演讲之后，同学们有序的走进展览大厅，仔细观看展览的每一幅图片，有的拿出纸笔做记录，有的拿出相机拍摄珍贵的照片，有的边看边认真记忆和思考… 本次参观展览，通过观看大量的历史图片，使大家比较系统地了解了鲁迅一生与书相伴，读书、著书、译书的生涯，受到了很大教育、启发和鞭策。
省直电大举行“唱响校园”歌手大赛
11月14日晚7点，由省直电大团委主办、校学生会文艺部承办的“唱响校园”歌手大赛在教学楼七楼多功能厅隆重举行。大赛聘请了郑州信息科技职业学院的何璇老师担任特邀评委。 本次参赛的10名选手，都是经过了紧张激烈的海选、复赛而选拔出来的。决赛场上，10名选手或深情款款，或热情奔放，用自己动人的歌声感染着在场的每一位同学，舞台下不时迎来一阵又一阵的热烈掌声和喝彩声，不断有同学向参赛选手送花致意。10名选手按照“超级女声”PK的比赛模式，5名选手脱颖而出，顺利晋级，经过最终的角逐，冠军桂冠被06级宝玉石班的梅玉娇同学摘取，亚军、季军分别由05级汉语言班的宣征和05级英语专业的陈烨同学获得。 本次校园歌手大赛充分反映了我校学生活泼向上的精神风貌，促进了校园文化建设，为同学们展示才艺提供了机遇和平台，受到了师生们的欢迎和好评。
省直电大举办“动感地带”校园巡回演唱会
10月17晚，应省直电大团委邀请，由中国大学生体育协会、中国移动通信有限公司和中央电视台体育节目中心共同主办的“动感地带2008全国大学街舞电视挑战赛”高校校园巡回演唱团来到我校，为全体师生带来一场激情澎湃，动感十足的演唱会。省直电大、电视中专和郑州科技信息职业学院环境工程系等2000余名师生观看了演唱会。 一首动听的《茉莉花》拉开了晚会的序幕。参加过央视春晚的东方神骏一曲马头琴曲《卡门》，让同学们激情高涨；从韩国学习归来的舞台新星关键《情不自禁》引起师生的共鸣，阳光校园摇滚BOSS乐队演唱的《永不认输》，在年轻的学子心中引起强烈的呼应。同学们合着节拍欢唱、跳跃，手中挥舞的荧光棒如繁星在操场上空闪烁，热烈的掌声荡漾在校园的夜空。舞蹈《千手观音》打动了在场的每一位师生，特别是歌星李琼的一曲《山路十八弯》更是把晚会推向了高潮。演出在激动人心的舞蹈《康定情歌》中落下了帷幕。 “以舞会友，动感地带2008全国大学街舞电视挑战赛”已经成功的举办过五届，本次大赛的全国总决赛将于2009年1月1日在广州举行。
龙子湖高校园区英语才艺演讲比赛决赛
4月18日下午，由直属学院团委、财经文法系主办的首届“学英语杯”郑州市龙子湖高校园区英语才艺演讲比赛决赛在直属学院举办。来自华北水利水电学院、河南教育学院、河南中医学院、河南职业技术学院、郑州航空工业管理学院、郑州广播电视大学等七所龙子湖高校园区院校的英语精英齐聚一堂，尽展青春风采！ 直属学院学院党总支书记张茂盛、财经文法系主任曹春阳、副主任张艳丽和系团总支书记梁尔涛及本次比赛的赞助方代表《学英语报》报社的桑应立同志来到现场观看了比赛。张书记寄语同学们要珍惜这次学习机会，加强与兄弟院校的交流和沟通，赛出风格、赛出友谊、赛出水平。担任本次决赛评委工作的是来自七所院校的周金洁、李红霞、刘天宁、高翔、郭爱莲和辛燕等英语专业教师。 决赛分为四个环节:参赛选手首先围绕“我与奥运同行”的主题进行命题演讲，然后是即兴演讲、回答评委的现场提问和才艺展示。在命题演讲环节，参赛选手以流利的口语、精准的发音和饱满的激情征服了现场观众。即兴演讲环节和评委提问环节，选手们灵活的应变能力、出色的互动能力赢得了观众阵阵掌声。才艺展示精彩纷呈，整个过程高潮迭起。14名选手经过3个多小时的激烈角逐，经评委老师综合评议出得奖结果：一等奖：崔昂（河南教育学院）、李珊珊（华北水利水电学院），二等奖：梁香（郑州航空工业管理学院）、杨培育（河南教育学院）、张友盛（华北水利水电学院），三等奖：薄艳丽、李苏潮（河南职业技术学院）、丘雨凡（郑州航空工业管理学院）、程钰淼（郑州信息科技职业学院）、耿思维（河南中医学院），优秀奖：赵斐雯（郑州信息科技职业学院）、陈原邻（河南中医学院）、王军（郑州航空工业管理学院）、赵建广（河南大学软件学院）。 颁奖仪式结束后，曹春阳主任为本次大赛做了总结点评。本次高校园区七校英语才艺演讲比赛是一场学习的盛会、交流的盛会,更是一场友谊的盛会。通过这次活动，提升了同学们英语学习的积极性，丰富了校园文化生活，增进了七所院校师生之间的友谊，也为今后龙子湖各高校之间在更广泛的领域进行深入交流与合作奠定了基础。
河南电大举行为四川汶川大地震遇难同胞默哀仪式
为表达对四川汶川大地震遇难同胞的深切哀悼，同时按照国办发明电【2008】27号通知精神，在2008年5月19日至21日全国哀悼日期间，河南广播电视大学下半旗致哀，全校师生停止一切公共娱乐活动。学校于2008年5月19日下午14时28分在学校操场举行为四川汶川大地震遇难同胞默哀仪式。默哀仪式举行前宣读了国办发明电【2008】27号通知，同时表达了对四川汶川大地震遇难同胞的深切哀悼。14时28分，默哀仪式正式开始，哀乐奏响，防空警报长鸣，所有车辆鸣笛，河南电大全体师生员工共同沉痛悼念地震死难者并向他们默哀，现场气氛极其悲痛。 愿四川汶川大地震遇难者安息，愿灾区同胞早日重建家园，开始新的生活。
直属学院举行“庆国庆、迎新生”大型文艺晚会
9月25日晚，流光溢彩，鼓乐齐鸣，在美丽的校园内，一场以“和谐交响——庆国庆、迎新生”为主题的大型文艺晚会如期举行。 晚会现场人潮涌动、掌声、喝彩声此起彼伏，气氛欢快而又热烈。出席此次晚会的有河南广播电视大学校长温海昌、党委副书记闻金宝、直属学院院长陈宗彬和省电大相关部门及学院、各系部的领导同志，闻金宝副书记发表了热情洋溢的讲话。 晚会在恢宏激越的表演《中国鼓》中拉开序幕，《校园流行风》体现了我院大学生的青春风采，由青年教师表演的《我是明星》获得了场上观众的喝彩声，双排键乐舞《水中烟》、武术表演、画脸谱等节目也获得大家的一致好评，晚会在四重唱《饮酒歌 》中落下帷幕。整场晚会热烈、大气、高雅、昂扬，主题突出、内容丰富、形式多样，绚丽的舞台景观与流动的节目表演交相辉映。 晚会结束后，领导同志纷纷走上舞台与教师、学生亲切握手、合影留念。
第二届全国亿万学生阳光体育冬季长跑活动
10月27日，直属学院阳光体育与祖国同行“第二届全国亿万学生阳光体育冬季长跑活动”启动仪式在图书馆门前举行。院领导、系书记、教职工代表和各系学生参加了活动仪式。 启动仪式由王春先副院长主持，刘红兵书记鼓励学生走向操场、走进大自然、走到阳光下，积极参加体育锻炼，弘扬奥运精神，提高身体素质，培养顽强意志品质，营造进取、拼搏、友爱、和谐的校园文化氛围。机电系07级机械一班的王全彬同学带领全体学生进行宣誓，表达了热爱运动、热爱集体、热爱祖国的运动精神，决心以亿万学生阳光体育冬季长跑活动为契机，进一步推动学院早操晨跑活动的健康持续进行。16时20分王春先副院长宣布直属学院阳光体育冬季长跑活动开始，随着发令枪清脆的起跑令，服装整齐、精神抖擞的学生队伍迈着健康、自信、坚定的步伐，跑在洒满秋日阳光的运动场上，形成了一道亮丽的校园风景线。
大学生志愿者踊跃参加“中原唱响雷锋歌”活动
“学习雷锋好榜样，忠于革命忠于党……”。３月4日上午，嘹亮的歌声久久回荡在紫荆山广场的上空。在第45个雷锋日来临之际，河南省委宣传部、共青团河南省委等四大单位共同举办的“中原唱响雷锋歌”活动在这里拉开序幕。省直电大近150名志愿者踊跃参加了这一公益活动。 团河南省委书记陶明伦作了讲话。他要求全省广大青年积极行动起来，弘扬雷锋精神，参与志愿服务，谱写更加嘹亮恢弘的雷锋之歌。2000多名志愿者分方阵唱起了革命歌曲，我校志愿者参与的方阵唱响了“光荣啊，中国共青团”团歌，体现了新时代青年朝气蓬勃的精神面貌。 活动结束后陶明伦书记看望了我校志愿者，勉励大家努力做新时代的活雷锋；团省委副书记王丽对我校志愿者踊跃参与、徒步到场、在活动中表现出色给予了充分表扬；2007年“感动中国”人物谢延信、全国道德模范王一硕也与我校志愿者进行了亲切的交谈，使大家受了鼓舞和鞭策。
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