我們有多少政策都在學美國，
（退休金、勞保健保、疫苗施打*等）
現在美國多年的退休制度破產了，
我們怎麼辦呢？
是趕快檢討美國的錯誤，改快修正我們的作法；
還是因循苟且，繼續作著坐擁退休金的美夢…
*全球政府H1N1疫苗「強制」施打，或「大肆洗腦」的手段，
就屬美國與台灣兩個地方最為嚴重。
Fred這一年來蒐集新聞之後，
才發現原來我們早就是美國的第52.5州（算半個州）。
選總統要報備，牛肉進口與否要先聽他們的，
買武器還要看他們的臉色
（有錢去跟別人買啊！蘇聯應該很歡迎，也會很高興賣我們才是）
經濟學人雜誌：
美國公共退休金面臨兩兆赤字
n 如果考慮政府「沒有財源擔保的給付義務」，情況將更嚴重。
n 就算以8%的投資報酬率來計算未來幾年的投資獲益，屆時退休金仍然將短缺一兆美元之譜。
FT.com:
US public pensions face $2,000bn deficit
By Francesco Guerrera and Nicole Bullock in New York
Published: January 4 2010 23:01 | Last updated: January 4 2010 23:01
The US public pension system faces a higher-than-expected shortfall of more than $2,000bn that will increase pressure on many states’ strained finances and crimp economic growth, according to the chairman of New Jersey’s pension fund.
The estimate by Orin Kramer will fuel investors’ concerns over the deteriorating financial health of US states after the recession. “State and local governments are correctly perceived to be in serious difficulty,” Mr Kramer told the Financial Times.
“If you factor in the reality of these unfunded promises, their deficits will rise exponentially.”
Estimates of aggregate funding requirement of the US pension system have ranged between $400bn and $500bn, but Mr Kramer’s analysis concluded that public funds would need to find more than $2,000bn to meet future pension obligations.
A shortfall of that size could force state governments to take unpalatable decisions such as pouring more public money into their funds or reducing pension benefits. State and local governments have already cut spending to close budget deficits.
FT multimedia feature: The dilemmas faced by individual savers, companies and governments and offers potential solutions to the pensions time bomb
Mr Kramer, chairman of New Jersey’s investment council and also a senior partner at the hedge fund Boston Provident, warned that outdated accounting models and unrealistic expectations of future returns had led states to underestimate their pension requirements.
Public pension funds do not use mark-to-market accounting, relying instead on actuarial numbers that average out value of assets and liabilities over a number of years – a process known as “smoothing”. Mr Kramer’s analysis used the market value of the assets and liabilities of the top 25 public pension funds at the end of the year.
He also looked at market interest rates, which are used by corporate pension funds and are lower than the rate of return of about 8 per cent employed by public funds, to calculate future returns. Using the 8 per cent rate of return, the funding requirement of the US public pension system would still be about $1,000bn.
原文（全）連結：
http://www.benzinga.com/76456/ft-com-us-public-pensions-face-2-trillion-deficit
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