no filme O FAZEDOR DE MONTANHAS
32a. Mostra Internacional de Cinema
até 30 de outubro
Informações e programação no site: http://www.mostra.org/32/
Mais informacao CLIQUE AQUI
sexta-feira, 24 de outubro de 2008
Marcelo Sollero
no filme O FAZEDOR DE MONTANHAS
32a. Mostra Internacional de Cinema
até 30 de outubro
Informações e programação no site: http://www.mostra.org/32/
Mais informacao CLIQUE AQUI
Top 7 Ways to Save on Household Expenses
Running a household is an expensive affair, but there are lots of things that you can do to minimize the cost. Here are the top seven:
1. Bundle Your Services
Have Internet, phone and cable service? Move all of your accounts to one provider, and you could save $20 or more per month. Check your mail for bundling offers or visit lowermybills.com to find out which company is offering the best service bundle in your area; then make the switch and save.
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2. Cut Back on Extras
Do you really need caller ID ($6) and call waiting ($9)? How about the premium cable ($60) or satellite package ($55) that you subscribe to? Examine your list of monthly expenses, and determine what you can live without – short term or long term.
Cut Back on Extras
3. Clip Coupons and Shop Sales
Groceries can take a big bite out of a budget, but they don't have to take a big bite out of yours. To reign in your grocery spending, start clipping coupons and shopping the sales. Just how big of a savings can you expect? 15 percent is a reasonable expectation for a first time couponer, and with time that could increase to as much as 50 percent!
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4. Slash Your Insurance Premiums
Insurance is important to have, but costly. Shop around for a better auto insurance rate, and you may just shave hundreds of dollars off of your current premium. Can't find a better rate? Talk to your current provider to see if there are discounts that you are missing out on. Do they offer a multi-line discount for customers with multiple policies? A good student discount? A good driver discount? For even more savings, consider increasing your deductible or canceling collision coverage on older vehicles. If you have homeowners or renters insurance, be sure to review those policies as well.
Lower Your Auto Insurance Premium
Lower Your Homeowner's Insurance Premium
5. Get Energy Smart
Do you dread opening your utility bills each month? If so, there's a lot that you can do to reduce your bill. Install a programmable thermostat, and set it to run less when no one is home; turn off lights when they aren't in use; wash your laundry in cold water; turn down the temperature on your hot water heater; only buy Energy Star appliances. Start looking around, and you'll find lots of ways to reduce your energy consumption and your energy bills.
44 Ways to Trim Your Electric Bill
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6. Seek Cheap Thrills
You don't have to spend a lot of money to have fun, so examine your entertainment spending; and see if there are places where you can make cuts. Could you rent movies instead of seeing them in the theatre? Enjoy free concerts instead of paid concerts? Check out books at the library instead of buying them? Go on a picnic instead of eating out? Challenge yourself to have more fun for less money – and see where you end up.
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7. Pay Your Bills on Time
Are you in the habit of paying your bills late? If so, you're probably paying extra for the privilege. Start paying your bills on time, and say goodbye to late fees and rate hikes once and for all.
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CHAMADA DE ARTIGOS
Revista de Letras da UNESP
Poesia em tradução
A Revista de Letras da UNESP está convidando à submissão de artigos para o
volume 49.1, a ser publicado no primeiro semestre de 2009.
Encoraja-se a submissão de artigos inéditos de cunho teórico e/ou crítico
que tenham por tema a tradução de poesia de línguas estrangeiras para o
português e do português para línguas estrangeiras.
A reflexão sobre os
desdobramentos e conseqüências do processo tradutório para a poesia e para a
teoria e crítica literárias serão o escopo deste número.
Os artigos serão aceitos até o dia 15 de dezembro de 2008 e deverão ser
enviados até 15 de dezembro para o endereço
revistadeletrasunesp@yahoo.com.br
Revista de Letras da UNESP
Poesia em tradução
A Revista de Letras da UNESP está convidando à submissão de artigos para o
volume 49.1, a ser publicado no primeiro semestre de 2009.
Encoraja-se a submissão de artigos inéditos de cunho teórico e/ou crítico
que tenham por tema a tradução de poesia de línguas estrangeiras para o
português e do português para línguas estrangeiras.
A reflexão sobre os
desdobramentos e conseqüências do processo tradutório para a poesia e para a
teoria e crítica literárias serão o escopo deste número.
Os artigos serão aceitos até o dia 15 de dezembro de 2008 e deverão ser
enviados até 15 de dezembro para o endereço
revistadeletrasunesp@yahoo.com.br
global recession is at hand
By Patrick Rizzo and Ellen Simon,
Stock market rout spreads around the world as recession worries turn to dismay
NEW YORK (AP) -- Stock markets around the world plummeted Friday and oil prices plunged to their lowest in more than a year. Even gold, the traditional safe haven in times of panic, fell sharply.
The common denominator was growing fears that governments, central banks and finance ministers seem powerless to stop the deepening of a global recession that will slam corporate earnings and lead to deep job losses around the world.
The Dow Jones industrial average dropped more than 420 points in early afternoon trading. Before the open of New York trading, Dow futures had dropped 550 points, triggering a temporary trading halt in stock futures contracts in an effort to slow the decline.
"This is beyond volatile: It is chaotic," Carl Weinberg, chief economist at High Frequency Economics wrote in note to clients. "This is the kind of day when the central banks step into the market with an 'unexpected' interest rate move to calm things down."
Treasury Secretary Henry Paulson is monitoring the markets and staying in close touch with market participants, a spokeswoman said.
Oil fell sharply and traded near $63 a barrel amid weakening global demand for crude -- despite a decision by the OPEC cartel to cut production quotas by 1.5 million barrels a day from next month.
The dollar plunged below 93 yen, a 13-year low. Gold fell as low as $681 an ounce, its lowest since January last year.
It was a black Friday overseas. Japan's Nikkei stock average dropped 9.6 percent. Germany's benchmark DAX index plunged as much as 10.8 percent, France's CAC40 slid 10 percent and Britain's FTSE 100 shed 8.7 percent. Stocks in Hong Kong fell 8.3 percent.
Russian stocks fell sharply, the two main exchanges shut early and won't resume trading until Tuesday.
"We are getting used to wild swings in the markets, but today's moves verge on the bizarre," said Julian Jessop, chief international economist at Capital Economics.
The only good news was the 5.5 percent increase in September existing home sales. Median home prices, however, dropped to $191,600, down 9 percent from a year ago.
The U.K.'s third quarter gross domestic product fell 0.5 percent, with the steepest decrease in 18 years putting the country on the brink of recession. Shares of Japan's Sony sank more than 14 percent when it slashed its earnings forecast for the fiscal year. In Germany, Daimler's stock dropped 11.4 percent in morning trading; it reported lower third-quarter earnings and abandoned its 2008 profit and revenue guidance.
Emerging market economies and currencies are coming under extreme pressure. Investors are pulling money out of countries in Eastern Europe, Latin America and Asia on fears vulnerable countries will not only be hit hard by the financial crisis but may also default on debt.
Hong Kong's Hang Seng index fell 8.3 percent and markets in India, Thailand, Indonesia and the Philippines were also down sharply.
Brazilian stocks slumped for the fourth straight day, with the Ibovespa index down more than 8 percent in early afternoon. Mexico's benchmark index was down 5 percent.
"Periods of panic punctuated by occasional calm appears to be the manner of things for now," said Daragh Maher, a strategist at Calyon Corporate and Investment Bank in London.
Investors around the world seemingly have become more convinced the global economy is on the brink of a long and painful recession, if it's not already in one.
Over the past few weeks, governments have taken unprecedented steps to thaw frozen credit markets and avert the downturn. But while there are signs that credit markets are beginning to thaw -- rates banks charge each other for short-term loans have been falling in recent days -- the outlook from companies reporting earnings are almost universally cautious about their prospects going forward.
That means companies will be reluctant to buy new equipment or hire new workers. U.S. unemployment claims, already well into recession territory, are rising even faster than expected. Economists warn the worst is yet to come.
On Thursday, the government said new applications for unemployment insurance rose 15,000 last week to a seasonally adjusted 478,000, above analysts' estimates of 470,000. Jobless claims above 400,000 are considered a sign of recession.
Goldman Sachs, Chrysler and Xerox all announced they were cutting workers by the thousands, adding to the woes of an economy beset by tighter credit and wobbly banks. Chrysler said it would cut about 5,000 of its 18,500 white-collar work force.
PNC Financial Services said it is acquiring National City bank for $5.8 billion and planned to receive $7.7 billion in capital from the federal government as part of its $700 billion financial rescue plan.
The Commerce Department will release its first estimate of third-quarter economic performance Oct. 30, and Wall Street analysts project it will show the economy contracted by 0.5 percent, according to Thomson/IFR.
Many economists expect the decline to continue into the current quarter and the first three months of 2009, if not longer. The classic definition of a recession is at least two consecutive quarters of negative growth.
The Standard & Poor's 500 was down 33.29, or 3.6 percent, to 874.82. Sam Stovall, S&P's chief investment strategist, put a 700 target on the index, saying S&P's equity analysts expect operating results for the 500 large companies to decline 10 percent in 2008.
Associated Press writers Stevenson Jacobs in New York, Louis Watt and Carlo Piovano in London and Martin Crutsinger, Christopher S. Rugaber and Marcy Gordon in Washington contributed to this report.
Stock market rout spreads around the world as recession worries turn to dismay
NEW YORK (AP) -- Stock markets around the world plummeted Friday and oil prices plunged to their lowest in more than a year. Even gold, the traditional safe haven in times of panic, fell sharply.
The common denominator was growing fears that governments, central banks and finance ministers seem powerless to stop the deepening of a global recession that will slam corporate earnings and lead to deep job losses around the world.
The Dow Jones industrial average dropped more than 420 points in early afternoon trading. Before the open of New York trading, Dow futures had dropped 550 points, triggering a temporary trading halt in stock futures contracts in an effort to slow the decline.
"This is beyond volatile: It is chaotic," Carl Weinberg, chief economist at High Frequency Economics wrote in note to clients. "This is the kind of day when the central banks step into the market with an 'unexpected' interest rate move to calm things down."
Treasury Secretary Henry Paulson is monitoring the markets and staying in close touch with market participants, a spokeswoman said.
Oil fell sharply and traded near $63 a barrel amid weakening global demand for crude -- despite a decision by the OPEC cartel to cut production quotas by 1.5 million barrels a day from next month.
The dollar plunged below 93 yen, a 13-year low. Gold fell as low as $681 an ounce, its lowest since January last year.
It was a black Friday overseas. Japan's Nikkei stock average dropped 9.6 percent. Germany's benchmark DAX index plunged as much as 10.8 percent, France's CAC40 slid 10 percent and Britain's FTSE 100 shed 8.7 percent. Stocks in Hong Kong fell 8.3 percent.
Russian stocks fell sharply, the two main exchanges shut early and won't resume trading until Tuesday.
"We are getting used to wild swings in the markets, but today's moves verge on the bizarre," said Julian Jessop, chief international economist at Capital Economics.
The only good news was the 5.5 percent increase in September existing home sales. Median home prices, however, dropped to $191,600, down 9 percent from a year ago.
The U.K.'s third quarter gross domestic product fell 0.5 percent, with the steepest decrease in 18 years putting the country on the brink of recession. Shares of Japan's Sony sank more than 14 percent when it slashed its earnings forecast for the fiscal year. In Germany, Daimler's stock dropped 11.4 percent in morning trading; it reported lower third-quarter earnings and abandoned its 2008 profit and revenue guidance.
Emerging market economies and currencies are coming under extreme pressure. Investors are pulling money out of countries in Eastern Europe, Latin America and Asia on fears vulnerable countries will not only be hit hard by the financial crisis but may also default on debt.
Hong Kong's Hang Seng index fell 8.3 percent and markets in India, Thailand, Indonesia and the Philippines were also down sharply.
Brazilian stocks slumped for the fourth straight day, with the Ibovespa index down more than 8 percent in early afternoon. Mexico's benchmark index was down 5 percent.
"Periods of panic punctuated by occasional calm appears to be the manner of things for now," said Daragh Maher, a strategist at Calyon Corporate and Investment Bank in London.
Investors around the world seemingly have become more convinced the global economy is on the brink of a long and painful recession, if it's not already in one.
Over the past few weeks, governments have taken unprecedented steps to thaw frozen credit markets and avert the downturn. But while there are signs that credit markets are beginning to thaw -- rates banks charge each other for short-term loans have been falling in recent days -- the outlook from companies reporting earnings are almost universally cautious about their prospects going forward.
That means companies will be reluctant to buy new equipment or hire new workers. U.S. unemployment claims, already well into recession territory, are rising even faster than expected. Economists warn the worst is yet to come.
On Thursday, the government said new applications for unemployment insurance rose 15,000 last week to a seasonally adjusted 478,000, above analysts' estimates of 470,000. Jobless claims above 400,000 are considered a sign of recession.
Goldman Sachs, Chrysler and Xerox all announced they were cutting workers by the thousands, adding to the woes of an economy beset by tighter credit and wobbly banks. Chrysler said it would cut about 5,000 of its 18,500 white-collar work force.
PNC Financial Services said it is acquiring National City bank for $5.8 billion and planned to receive $7.7 billion in capital from the federal government as part of its $700 billion financial rescue plan.
The Commerce Department will release its first estimate of third-quarter economic performance Oct. 30, and Wall Street analysts project it will show the economy contracted by 0.5 percent, according to Thomson/IFR.
Many economists expect the decline to continue into the current quarter and the first three months of 2009, if not longer. The classic definition of a recession is at least two consecutive quarters of negative growth.
The Standard & Poor's 500 was down 33.29, or 3.6 percent, to 874.82. Sam Stovall, S&P's chief investment strategist, put a 700 target on the index, saying S&P's equity analysts expect operating results for the 500 large companies to decline 10 percent in 2008.
Associated Press writers Stevenson Jacobs in New York, Louis Watt and Carlo Piovano in London and Martin Crutsinger, Christopher S. Rugaber and Marcy Gordon in Washington contributed to this report.
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