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摇呀摇,摇到外婆家

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

不凑合的城市

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

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玩电脑

我很小的时候就表现出了对电脑的兴趣,妈咪因此担心我会变成IT女孩,不过巴比说我很可能用电脑是为了写诗呢。

其实只要是电子设备我都喜欢,大人们每天玩的我也会,用平板发微信,看小兔乖乖,击电脑键盘,只是大人常常和我抢着玩。

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光长心眼不长身子

我今天又被打针了,妈咪给录了像,结果我很争气只哭了两下意思一下。儿保科给我测了三维—体重6.5kg,身高69cm,头围43.5cm,按标准数据我算又高又瘦,爷爷奶奶说我光长心眼不长身子。

按:我最近喜欢被抱着,不喜欢自己趴着玩;我也不喜欢坐推推车了,我发现被抱着可以看得更远更好玩;我还喜欢夺大人们手里的食物换换口味,天天喝奶粉都烦了。

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Return of Investment analysis of China’s retirement pension programme

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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Should I like to join China’s retirement pension (social insurance) programme?

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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