勞工紓困貸南投卡債更生全程免費諮詢勞工紓困貸 - 公教人員房屋貸款,公教人員信用貸款

Contents ...

udn網路城邦

勞工紓困貸南投卡債更生全程免費諮詢勞工紓困貸

2017/02/08 22:44

迴響0

推薦0

引用0

如果你正在找有關勞工紓困貸的資料

可以好好利用這裡提供的勞工紓困貸資訊

有任何資金上需貸款的問題

或是有任何不能解決的債務問題

都可以好好的利用這個貸款免費諮詢的管道喔

而且很快速的就能在第一時間就讓你知道你能不能貸款

有關勞工紓困貸提供給你參考

▲長年的生活壓力與環境摧殘，容易造成夫妻某一方因為心理或生理的改變而「性」趣缺缺。（圖／達志影像／示意圖）

文／苦苓

有名男子因妻子多年不肯跟他行房，竟用迷藥將太太迷昏之後「性侵」她，雖然太太後來不追究，但檢察官仍以「加重強制台北青年留學貸款性侵」將他起訴。

「性侵配偶」是違法的，問題是配偶如果長期拒絕行房，那你該怎麼辦呢？

在日本，據說「無性夫妻」非常之多，很多丈夫以「援交」的方式取得滿足；而整天在家的太太，其實也有很多機會「走私」，可以說是各取所需（日本太太是不捉姦的，因為她覺得「沒顧好」自己老公是件丟臉的事）。

不久之前，日本有一個威士忌酒的廣告，大意是：「把太太灌醉之後，你想做甚麼呢？」這個廣告大受歡迎，許多家庭主婦都去買了回來，果然先生也如願將自己灌醉，然後呢？然後先生就跑出去了！真是情何以堪......

台灣的法律規定「夫妻有同居之義務」，卻不是「夫妻有行房之義務」，那麼一位配偶如果長期拒絕與對方行房（例如有些性交時會疼痛或生產後性趣缺缺），對方無可奈何又忍不住之下與別人性交（不管是嫖妓或外遇），即有可能會被配偶告上「通姦罪」，這可怎麼好？

就好像「占著茅坑不拉屎」，卻又不許人去別處拉屎，這似乎也有點不人道吧？而且如果不肯行房的是老公，老婆能以民法中的「不能人道」一條來訴請離婚；但若老婆不肯行房，老公也沒辦法舉證她是「不能人道」，這種既離不掉又不許跟別人做窘境，除了苦苦哀求，還真是無法另找出路。

▲若兩夫妻無法就性事好好溝通，就容易成為一方外遇的肇因。（圖／達志影像／示意圖）

你若說拒絕行房只是少數特例，那太太如果到了更年期，連月經都不來了，自己的女性特徵也逐漸消失，對「那件事」更可能想都不想；而年齡相同或稍大一些的老公，這時頂多5、60歲，可還「春秋鼎盛」得很，難道妳「閉門謝戶」，他就得從此「不許來訪」嗎？還是太太們可以睜一眼閉一眼，「自己不用的碗偶爾借給人家，人家也沒把你弄破，還洗乾淨送還給你」（這是我阿嬤的名言，專門勸解各阿姨及舅媽用的），是可忍、孰不可忍？

別忘了畢卡索70幾歲還生了小孩呀！一般來說比女人「強很多」也「長很多」的男人性慾期，該如何得到合法、合理、合情的滿足呢？大家不妨動動腦想想看，而立法、司法單位，是否也該認真面對呢？

由此亦可見，婚姻不是只有「行房」這件事，夫妻之間也不純靠「性」就能維繫，彼此的人生目標、價值觀、個性、習慣乃至於責任感，都是維持一個家庭的關鍵。至於很多人「有所窒礙」卻「難以啟齒」的部分，我們也該給予重視，所以特別挑出來討論討論。

???隨時加入觀點與討論，給雲論粉絲團按個讚！

●苦苓（王裕仁），台灣大學中文系畢業，現為自由作家、雪霸國家公園解說員。新著《熱愛大自然／草本禽獸性生活》出版中。個人臉書專頁：苦苓（王裕仁）。88 論壇歡迎更多聲音與討論，來稿請寄editor88@ettoday.net

周偉航／A片討論區為何好Peace？

李鏈／川勞工貸款106年普讓中國有機會當老大？

菜農之子告訴你高麗菜的秘密

及時雨／川普多久會變成馬英九？

黃映溓／小英政府到底在怕啥？

投書／大陸公民致蔡總統的公開信

曾有文／滿天星，青年創業貸款及啟動金貸款父母心

李艷秋／在台灣定個是非，難嗎？

蔡慶輝／兩隻網路神獸夾殺黑猩猩

丘福隆／頑童川普玩經濟

周偉航／打仗和打電玩不一樣！

呂秋遠／眼中倒影：滿滿的你

苦苓／你要她不要，怎辦才好？

金銘鋒／黨工被銬，洪主席怎看

2017-01-2003:00

WARM WELCOME? Vice President Chen Chien-jen said that protesters should avoid the cold by sending representatives to Sunday’s meeting to discuss issuesBy Stacy Hsu / Staff reporterVice President Chen Chien-jen （陳建仁） yesterday unveiled details of the government’s draft pension reform plan, urging opponents to send representatives to a national affairs conference scheduled for Sunday.Speaking at an afternoon news conference at the Presidential Office, Chen said the draft was drawn up after 20 committee meetings, four regional forums and efforts to solicit opinions from all sectors of society.Chen said the draft plan aims to ensure that the nation’s various pension funds can be sustained for at least another generation, delaying estimations for bankruptcy of the Labor Insurance Fund by nine years to 2036, the public-school teachers’ pension fund by 12 years to 2043 and the Public Service Pension Fund by 14 years to 2044.“Our goal is to make sure that pension funds remain accessible generation after generation and be able to support insured people into their old age,” Chen said.Laying out several key elements of the proposed reforms, Chen said the controversy-dogged 18 percent preferential savings rate for retired public-sector employees taking monthly retirement payments would be lowered to 0 percent in three stages over six years.The saving rate is to be reduced every two years, falling to 9 percent, 6 percent and then 3 percent. It is to be 0 percent from the seventh year on.For those who take their pension as a lump sum, there are two proposed systems: Either the 9-6-3-0 process to reduce the interest rate as with monthly payments, or a separate plan of 12 percent for the first two years, 10 percent in years three and four, 8 percent in years five and six and 6 percent from year seven on.However, public servants whose monthly pension is below a specified floor — to be either NT$25,000 or NT$32,160 （US$791 or US$1,017） — are to retain the 18 percent preferential rate.Chen said that the government intends to cut the income replacement rate for public servants to “75 percent of two times a civil servant’s basic salary” and lower the rate by 1 percentage point each year until it is 60 percent of two times the basic salary.Under current pension plans, government employees receive pensions of up to 95 percent of their pre-retirement income, which is straining national coffers.To make pension funds more sustainable, the average used to determine payments is to be based on a longer timeframe. The proposal is for the average insured salary of the final 15 years of employment to be used to determine pensions, with that number to be reached by adding 12 months to the timeframe each year until the 15-year target is met.Also, the retirement age is to be increased to 65, except for professions of a special nature or those that involve dangerous activities, while the ceiling for labor insurance premiums paid by public servants, public-school teachers and private-sector workers is to be raised stepwise to 18 percent.Other highlights of the proposal include a scheme to allow employees to keep their work years when they switch jobs, including moves between the private sector and the public sector.“The money that is to be saved by lowering the income replacement rate for public servants and the cancelation of the 18 percent preferential rate will be put into the [Public Service Pension] Fund,” Chen said, adding that starting next year the government is to inject NT$20 billion into the Labor Insurance Fund annually.Minister Without Portfolio Lin Wan-i （林萬億）, who is deputy convener and executive director of the committee, said that as the nation has 13 different pension funds, the government plans two stages to reform such a complicated system.“We welcome various opinions at Sunday’s conference. They will be factored into the next stage,” Lin said.Asked to comment on a large-scale demonstration in front of the Presidential Office Building planned for Sunday by civil servants, Chen said that given falling temperatures, it would be better for opponents of the plans to send representatives to the conference, where their voices would be better heard.Additional reporting by CNA新聞來源：TAIPEI TIMES

工商時報【孫彬訓╱台北報導】

市場存在各種不確定性，投資人最簡單且輕鬆的方式即是透過專業投資團隊，搭配具有股債匯等靈活操作的多元資產型基金布局，就能達成降風險、掌收益的新年理財目標。

野村多元資產動態平?基金經理人黃家珍表示，可預測的2017年，全球市場仍具有些不確定性存在，包括美國新總統川普的財經策略、歐洲德國、法國大選、大陸19屆人大代表會等，皆有機會影響全球經濟變化。

身處充滿變數及不確定性的市場，分散風險仍是最佳投資策略，建議投資人利用多元資產配置策略，進一步降低波動、掌握提高收益。

群益金選報酬平?基金經房屋抵押貸款率利最低銀行2017理人張俊逸表示，近期風險性資產普遍上漲，主要反映對2017年全球經濟成長加速及川普政府去管制化、減稅和擴張性財政政策的期待，而這份期待在川普上任後將回歸現實。此外，美元升值對通膨和經濟的影響將滯後顯現。總體環境仍有利股票等風險性資產的趨勢不變。

第一金投信強調，未來資產布局應著重「股」大於「債」，股票重點放在美國及與美股高度相關的新興市場股市，債券可搭配全球型高收債資產。

宏利全球動力股票基金經理人龔曉薇指出，美國升息循環啟動，過去美國開始升息後，全球股市將持續上漲，表現明顯超越債市。全球經濟成長的主要引擎仍為相對穩健勞工房貸的美國，至於歐日則是持續維持貨幣寬鬆政策態度。

在低利率環境下，債券被過度追捧，歐日主要公債殖利率已呈現負值，由此角度來看，股票的價格與後續的成長空間，相對較具潛力。

保德信策略報酬ETF組合基金經理人歐陽渭棠認為，投資人不妨透過ETF組合型基金做好資產配置，在操作上，可著眼全球金融資產的歷史表現，布局5到10年的「長期策略」，讓股票型ETF占4成、債券型ETF占4成5、其他類型ETF則占1成5；搭配中、短策略，採取多空操作，增加投資彈性。

野村投信投資長周文森（Vincent Bourdarie）分析，2017年全球市場仍充滿不可預測的影響因素，投資人仍應該利用多元資產布局，分散投資布局於股票、債券及原物料商品、期貨選擇權等多元資產類別。