说是去佛堂，到了前面写着道院。早上九点前已经停了几十辆车。三位义工前后井井有条地引导我们的车进场停好。客人还没来，场内只有义工，在厨房和义卖摊位上做准备工作。 Continue reading
这是我的第一个南方之行——摇呀摇，摇到外婆家。妈咪常说她儿时的家有后院，院中有竹林，林中有鸟儿，鸟儿每天清晨在窗台外为她唱歌……还有葡萄架，有时她爱在葡萄架下听牛郎织女讲故事……如今这些都成记忆了，但她还热爱这个家。妈咪想念外婆，我喜欢旅行，于是，快半岁的我随着妈咪坐上从北方开往遥远南方的火车，摇呀摇，摇到了外婆家。 Continue reading
现在是晚上在家。我在城里转了半日刚回来。我的简单结论是人类建造的城市不可能更完美了。如果我设计一个电子游戏，要建造完美的城市，也只能做到这样了。 Continue reading
My last article “Should I like to join China’s retirement pension (social insurance) programme?” explains how to calculate the cash-flow of retirement pension (how much you pay, how much you get). This article explains how to calculate its the return of investment. It is not an easy calculation: calculating the return of investment is always much more difficult than calculating its cashflow. Use the program I wrote for this calculate you can save the 6 hours I spent on calculating it myself.
China’s retirement pension is a welfare programme, but not established because of it. It is created to prevent social unrest and maintain status-quo resource distribution, to prevent young cheap immigrant work force to stay in their working city after retirement, crowding in big cities and creating slums – their impoverished kids are then a source of social unrest. Many consider it a game against the government, with a play-to-win attitude. You may have to play the game. Even if it is set-up against you – for example you are an immigrant worker, and you are to lose – don’t give up, understand it and do the math well, you can still achieve less losses.
This article is only about retirement pension. Luckily other social insurance programmes are less complicated.