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10月25日 Mortgage CalculationI did a little mortgage calculating excercise and plotted the results out. My graphs are much easier to visualise than what a mortgage advisor tries to describe verbally.
1. You will pay more for higher interest rate. For APR of 6% and above you will end up paying more than twice as much as the principal, but the difference between 4% and 5% is perhaps not as enormous as you would have imagined. If only they lent you at 1%....
 2. If you borrow at 6% APR you will find you have already paid a sum equivalent to your principal in 13th year...
 3. But you have paid only 35% of your principal (in the 13th year for the 6% APR). You can map out where you will be each year in terms of your repaid principal. 3% will get halfway through in 15 years, whilst 6% hits the midpoint only 2 years later.
 4. For the first 12 years, the borrowers of 5% APR and above will find themselves paying much more interest than principal.
 Nevetheless, if you remortgage for every few years, the story will be different. 9月29日 Holiday and Tour, September 2009Navigation service at motorway exit...?#@"£!!! (Shanghai, Suzhou)
Big baby and pretty bride in Suzhou.
Really? Suzhou Ballad Singing
Posh trash bin.
The post-riot Urumqi is still battered...the traffic in an otherwise busy road is just scant.
2x3 Multi Purpose Vehicles
Restaurant staff exercising to music
Shihezi
坎儿井 - Turpan
An overloaded tractor caused congestion in a road...a path.
This is a "three star" hotel in Tianjin, which is equiped with the most disgusting shower mat I have ever seen.
Beijing South Station
Food food food. 8月31日 Stephen It was a hot night, and it was not yet dark as they walked. A small band was playing in one of the squares where the cafes were starting to put on their lights among the plane trees.
Stephen went with elaborate care over the paving of the courtyard and made no sound until they were safely back in Jeanne's lodgings.
'I've made up a bed for you on the sofa in the corner. Do you want to go to bed now or would you like to sit up and talk? I think I have some brandy. We could take it on to the little balcony there. But we must keep our voices down.'
They sat two wickerwork chairs on the narrow strip which gave a view over a dry, sandy garden.
'You know what I want to do for you?' said Jeanne. 'I'm going to make you laugh. That's going to be my project. I'm going to banish your Anglo-Saxon gloom. I'm going to make you laugh and be full of joy, like a proper French peasant.'
Stephen smiled. He said, 'And I'll tell stories and slap my thighs like a Norman farmer.'
'And never think about the war. And those who have gone.'
'Never.' He drained the brandy in a gulp.
She took his hand agin. 'I'll have a house with a garden at the back with rose bushes and flowerbeds, and perhaps a swing for children to play on - if not my own, then visiting children. The house will have long windows and be full of the smell of wonderful meals in the kitchen. And the sitting room will have freesias and violets. And there will be paintings on the wall, by Millet and Courbet and other great artists.'
'I'll visit you. Perhaps I'll live there with you. It will shock the whole of Rouen.'
'We'll go boating on Sunday, and on Saturday we'll go to the opera, then to dinner in the big square. Twice a year we'll have parties in the house. They'll be full of candles, and w'll hire servants to take round drinks on silver trays to all our friends, and there will be dancing and - '
'No dancing.'
'All right, no dancing. But there'll be a band. Perhaps a string quartet or a gipsy violinist. and those who want to can dance, somewhere in a separate room. Perhpas we'll have a singer...
They drink some more brandy, which made Jeanne feel dizzy, though it seemed to have no effect on Stephen. When it grew cold they went inside and Stephen said he would like to sleep. She showed him his bed and fetched him a carafe of water.
In her bedroom Jeanne undressed. She felt encouraged by Stephen though she could see he was making efforts for her benefit. It was a beginning. She walked naked across the floor to take her nightgown from the back of the door.
It opened just before she reached it, and she saw Stephen outside in his shirt and bare legs.
He recoiled. 'I'm sorry, I was looking for the bathroom.'
Jeanne had grabbed reflexively for atowel that lay on the chair, and tried to arrange it modestly over her body.
Stephen turned and begain to move back into the sitting room.
Jeanne said, 'Stop. It's all right. Come back.'
She put the towel on the chair and stood quite still.
There was no light in the room, but the brightness of the autumn night made it easy to see.
'Come and let me hold you,' she said. The slow smile rose up and illuminated her face.
Stephen walked slowly into the room. Jeanne's long thin body stood to welcome him. Her pale arms were held out, pulling up the round breasts that rode like mysterious white flowers on her ribcage in the uncertain light. Stephen went and knelt at her feet. He put his head against her side, beneath her ribs.
She was hoping that his forced lightness of spirit would still be with him.
He put his arms round her thighs. The soft hair that grew up between her legs was long and black. He laid his cheek agianst for a moment, then put his face back against her side. She felt him begin to sob. 'Isabelle,' he was saying, 'Isabelle.'
---S. Faulks, Birdsong, p349-351
5月27日 Repair5月25日 Me going ballistic... my glass flies into the wall...
  I should go for some anger management before the hole of this size appears on anyone's skull.
5月9日 Quake: 11,687 schools collasped, not a single due to substandard" Denying allegations to the contrary, officials said a two-month investigation by more than 2,500 experts and field workers last summer DID NOT FIND THAT SUBSTANDARD BUILDING HAD CAUSED EVEN A SINGLE SCHOOL TO COLLAPSE."
5,335 students were killed, 11687 schools collasped -- the figure is "reliable" - Tu Wentao, Education chief of Sichuan province, 7th May 2009.
They are all built according to building codes and there were no frauds involved -- Yang Hongbo - Construction chief of Sichuan province, 7th May 2009.
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