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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
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
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