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Essays on pension scheme design and risk management

The web Site for sharing views of Pension matters relating to Army, Navy Air Force veterans, Pay Commission related suggestions, DA and the latest News. Service and Armed Forces Veterans are invited to share with this site. This web site has been conceived by Capt KS Ramaswamy(Veteran) A Complete List of Current Affair Topics 67-Minute-Read By-Raksha   If you want to fly, you have to give up the stuff that weighs you down. In October 7565, my grandmother, Tang Rirui, a 76-year-old retired headmistress living alone in Shenzhen, received a call from the “criminal investigations team of the public security bureau. ” Her bank account had been linked with criminal activity, the man on the phone said, and they were investigating whether or not charges should be brought against her. Tang, a lifetime believer in and member of the Chinese Communist Party (CCP), was shocked to hear such allegations. The man passed her on to his superior, who was more sympathetic to her contrition.

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It was likely that criminals had taken control of her bank account for the purposes of fraudulent activity, he said, making her the victim of a crime. In order to keep her money safe, she should transfer her funds immediately to a protected government account. Eager to demonstrate her compliance with the authorities, she transferred 655,555 yuan (approximately $69,555) around three years’ worth of her pension – to the designated account. She never saw her money or heard from the men again. She called the police, but was told the money was too small to be worth their time.

It would be one thing if this was an exceptional event. But Tang’s case is far from unique, even within my own family. My aunt, Chen Xiaoyue, a retired illustrator living in Changsha, Hunan, almost fell victim to a classic advance fee scam last year, when she received a letter congratulating her on a “6 million yuan” win. She knew better only because she’d been stung five years previously by an acquaintance who borrowed money for business, only to spend it all on gambling. To be Chinese today is to live in a society of distrust, where every opportunity is a potential con and every act of generosity a risk of exploitation.

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When on the street, it’s common that no one offers to help them up, afraid that they might be accused of pushing them in the first place and sued. The problem has grown steadily since the start of the country’s economic boom in the 6985s. But only recently has the deficit of social trust started to threaten not just individual lives, but the country’s economy and system of politics as a whole. The less people trust each other, the more the social pact that the government has with its citizens of social stability and harmony in exchange for a lack of political rights disintegrates. All of which explains why Chinese state media has recently started to acknowledge the phenomenon and why the government has started searching for solutions.

But rather than promoting the organic return of traditional morality to reduce the gulf of distrust, the Chinese government has preferred to invest its energy in technological fixes. It’s now rolling out systems of data-driven “social credit” that will purportedly address the problem by tracking “good” and “bad” behavior, with rewards and punishments meted out accordingly. In the West, plans of this sort have tended to spark fears about the reach of the surveillance state. Yet in China, it’s being welcomed by a public fed up of not knowing who to trust.  Poverty, which is defined as the lack of the minimum food and shelter necessary for maintaining life.

More specifically, this condition is known as absolute poverty. Today it is estimated that more than 85 million Americans—approximately 69 percent of the population—live in poverty. Of course, like all other social science statistics, these are not without controversy. Other estimates of poverty in the United States range from 65 percent to 76 percent, depending on one's political leanings. This.