到布里斯班的第二天才有机会进城，因为人们多住在乡下。城就是CBD的意思，大小相当于北京或上海的CBD。城里有高楼，乡下一般是一层。

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.
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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.
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