新竹小額借款1萬房屋增貸口碑推薦土城 - davebb0pch7ke 的部落格

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新竹小額借款1萬房屋增貸口碑推薦土城

2017/02/13 00:48

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2017年01月19日 16:55

▲主播林彥均、郭于中與張寧變裝拍攝除夕特別節目。（圖／台視提供）

記者許逸群／台北報導

台視新聞主播群郭于中、張寧與林彥均，為錄製除夕（27日）上午八點特別節目《金雞報喜台語新聞》，日前特地變裝進棚拍攝。兩位女主播以粉嫩色系棉襖亮麗現身，郭于中則是化身招財進寶的財神爺喜氣洋洋登場，他說：「為了符合這身服裝的隆重感，光化妝就花了1小時！」

▲主播郭于中（中）打扮成財神爺讓現場充滿喜氣。（圖／台視提供）

攝影棚現場喜氣洋洋，張寧一看到財神爺立刻上前說：「『挖摳呆康康』，請給我金元寶！」一口破台語逗得現場笑聲不斷，也讓郭于中立即糾正她，沒想到被張寧反虧：「財神爺你的眼線很漂亮喔！」林彥均也搶著搭腔：「你的帽子好華麗、好像駙馬爺！」接連被兩位好同事吐槽，讓郭于中說：「過年大家開心就好，為了節目扮女裝也沒問題喔！」

▲主播林彥均與張寧向財神爺討元寶求福氣。（圖／台視提供）

接下台語新聞主播重任已邁入第2年，私底下被大夥奉為「台語至尊」的郭于中謙虛說：「要學的還有很多，希望未來有機會跟大家分享更生活化的台語！」主播林彥均則是透露，得知要錄製台語新聞特別節目時，一度以為自己應該是台語很「輪轉」才接到任務，但她無奈苦笑說：「一到現場看到張寧，就曉得是特別挑台語不好的來。」

「破台語」代表的張寧說：「錄影時緊張到猛冒手汗，但其實我爸爸的台語很好，不知道我怎麼會這樣耶！」郭于中則不斷安慰兩位女主播說，但他透露，1個小時的節目錄了近2個小時才結束，「真的是比1個人錄還累！」不過樂天派的張寧仍開心表示：「除夕那天播出，一定要叫我爸媽看我的表現！」

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

中國時報【曾薏蘋╱台北報導】

因應「2017年金改革方案」，銓敘部依據年金改革委員會擬定草案，設計出「公務人員年金改革試算器」；根據試算，以年資35年、簡任12職等、年功4級、800俸點的負債整合資訊網主管為例，房屋貸款試算表改革後第16年起的月退休所得，將從目前月領10萬餘元變成6.3萬，少領3.7萬，換算年損失44.6萬，大幅衝擊公務員退休生活。

銓敘部試算系統網址或可搜尋「公務人員退休所得調降（已退人員影響評估上網版）」，銓敘部亦提供各關鍵職等月退金改革前、後差異貸款利率比較。

今開工修法啟動時

銓敘部昨日強調，該試算服務，目前僅以「改革方案實施前已退休生效」且「支領月退休金」的公務人員適用，兼領月退休金人員及支領一次退休金人員不適用。

年金改革國是會議過年前落幕，銓敘部、勞動部、國防部等相關部會今天開工第一天，就啟動修法作業，要趕在3月將各項修法草案送至立法院審議，520前完成年金改革工程。

銓敘部指出，已針對各關鍵職等的退休人員，算出退休金影響情形，也已在銓敘部網站上，提出一套「公務人員年金改革試算器」，不論年資或退休等級為何、是純舊制或新舊並行，所得替代率均較原先減少15個百分點（如原先為75％的降到60％，原先為60％的降到45％）。

所得替代率齊降15％

根據銓敘部試算，公務人員已退休採新舊制並行者，年資35年或30年、且是主管者，第一年月退俸少領12∼21％不等，退休等級愈高，少領的幅度愈大。接下來每隔5年的減幅逐漸擴大，到第16年起，主管的減幅達到30∼38％，非主管的減幅至少在3成以上。大體上說，小官減幅小，大官減幅大。公務人員房屋貸款率利最低銀行 2017

滿25年退休者，主管和非主管的差異縮小，少領的幅度也不因為俸點有太大差別，小官少領的幅度，甚至比大官略大一些。在制度設計上，對太早退休的小官，未顯公平。

25年退休小官吃暗虧

至於純舊制的退休人員，第1年約減16％，滿16年以後，減幅則達到32％，大官小官的差異也不大。

銓敘部指出，改革前月退休所得（月退+18％），改革後月退所得替代率以本俸2倍為分母計算，改革後第1年優存利率降至9％、第6年降至3％，第11年以後的優存利率歸零，因此所得替代率不斷下降。

若以薦任8職等、年功6級、630俸點、30年年資為例，改革前月退金為5.6萬元，改革第1年為4.7萬，第6年為4.1萬、第11年以後減為3.8萬，累計減幅達31.7％。

退滿10年優存息歸銀行信貸利率零

銓敘部退撫司長呂明泰也以自己為例，他屬於年資35年，簡任12職等，年功4級、800俸點的主管，改革前月退休所得（月退+18％）可領10萬出頭，改革後第1年只能領7.9萬，到了第16年，月退金將剩6.37萬，減幅近37％。《網友觀點》Yahoo奇摩新聞歡迎您投稿！對於這個社會大小事有話想說？歡迎各界好手來發聲！用文字表達你的觀點。投稿去---->

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