In particular, the series of photos of bare face have proved the pure beauty, defying the time of beauty Marian Rivera. The high and straight nose bridge of the West, sparkling eyes and bright smiling mouth help the most beautiful beauties in the Philippines always occupy the spotlight every time they appear. It can be affirmed that without the need for gorgeous makeup, Marian Rivera has made many people admire her beauty. “The most beautiful beauty in the Philippines” Marian Rivera confidently shows off her bare face, proving her beauty defies time. No need for sophisticated makeup, Marian Rivera still attracts all eyes with her pure beauty and radiant smile. Although she has turned 37 years old, it is difficult to find signs of aging on this beauty’s face. She also received many compliments for her youthfulness and freshness when leaving her bare face during pregnancy. Close-up moments like this confirm that Marian Rivera deserves the title of “the most beautiful beauty in the Philippines”. Flawless smooth skin and bright eyes are the big advantages that help Marian Rivera always radiant. The perfect facial features of the mother of two make many people jealous. Hard to find flaws on this face. Some other simple pictures of Marian Rivera next to her husband and children. The whole family of beautiful Marian Rivera has a beauty that makes fans admire.

In the e-commerce platform, iPhone 12 ushered in the lowest price since its release, which also greatly increased the sales of the phone.

Take Jingdong’s real-time sales list as an example, as of June 9th, iPhone 12 is still the king of the cumulative sales list, and it continues to occupy the top position. Presumably this phone can bring huge sales to Apple in the near future.

However, the domestic brand Huawei, which was once famous as Apple, was completely defeated in this 618 war. Not only did its cumulative sales lose to many manufacturers such as Apple and Xiaomi, the sales of single products were even more embarrassing. None of the TOP20 mobile phones are owned by Huawei.

Even the Huawei Mate 40 Pro, which is full of hopes by consumers, failed to make it to the single product list. You must know that when this phone was released last year, the popularity on the Internet had completely surpassed the iPhone 12.

Why did it cause this situation now? In the author’s opinion, there are mainly the following reasons, which are accumulated together, and finally formed the last straw that crushed Huawei’s mobile phone business.

The first is a serious core shortage problem, At present, Huawei’s chips have become the biggest problem, and when the ban will be lifted is still a mystery. In this context, Huawei has to artificially control the production capacity of mobile phones to extend the life cycle of mobile phones.

But the problem that the long-term control of goods ultimately leads to is that you can’t buy what you want. Until now, Huawei Mate 40 Pro is still out of stock. Occasionally released some panic buying out, but also quickly sold out.

Huawei, which has a serious shortage of goods, is naturally unable to actively participate in the 618 promotion. Under the influence of this factor, it also prevents Huawei from giving certain concessions to attract consumers to buy Mate 40 Pro.

and so The second reason is that the price is too high. Since its release in October last year, the price of Mate 40 Pro has never been significantly reduced, and the price has always been synchronized with the official price. The starting price of 6,499 yuan is also the main reason for discouraging many consumers.

On the other hand, actively participating in the big promotion iPhone 12, the price dropped from 6299 yuan to a thousand yuan, to the early 5,000 yuan, The price/performance ratio has been greatly improved.

So compared to iPhone 12, Huawei Mate 40 Pro is really not enough to attract consumers.

Finally, the product strength continues to weaken. Although the Mate 40 Pro has good performance in various aspects such as performance, imaging, and battery life, More and more high-end Android phones appeared, which obviously weakened the advantages of this phone.

Products like Xiaomi 11 series, OPPO FIND X3 series, OnePlus 9 series are powerful competitors of Huawei Mate 40 Pro. The image and fast charging have surpassed Huawei. Moreover, these mobile phones are also more competitive in terms of price. The person will inevitably make a comparison.

Affected by the above three reasons, Huawei Mate 40 Pro’s performance during the 618 period was finally mediocre. In contrast, the iPhone 12 will soon usher in the iOS 15 system upgrade, and the e-commerce platform has also given huge discounts. It will naturally become a best-selling hot item.

And iPhone 12 also has a huge upgrade, including the powerful A14 bionic chip, OLED screen and changes in the right-angle middle frame, etc., which are the key reasons to attract consumers to choose.

So on the whole, The iPhone 12 is more in line with consumers’ current needs in terms of price and performance. It is not surprising that Huawei now loses to Apple!

Of course, all of this is caused by Huawei’s sanctions. If the chip problem is resolved, I believe that Huawei still has a chance to overtake.

Do you think Huawei still has a chance to overtake Apple? Feel free to leave a message in the comment area and talk about your views!

Illustration The case involved a YouTuber who had a confrontation with the sheriff’s deputy in Pierce County. After the incident, he filed a Public Records Act request for names, dates of birth, photos, and other information to all deputies and subsequent employees. Often, many of these records are not made public to protect law enforcement from harassment, retaliation, and potential identity theft. However, there is still an exception. Members as “news media,” as defined in state law, may receive records. Although based on media interests, the press is generally opposed to making employees’ birthdays private to anyone. But lawmakers have given the press privileged access, because they believe professional journalists can be trusted to use personal information responsibly. The press becomes the backbone of the public. Illustration For example, a news organization may need a date of birth and a photo to check an official’s past employment in connection with a certain scandal or to verify that a law enforcement officer is acting illegally. . In this, the YouTuber claims he is an “investigative journalist” who is considered a member of the news media based on his YouTube channel called “Libertys Champion”. The relevant authorities disagreed, and the case was referred to the Supreme Court. There, the majority was against him becoming a member of the news media. The court’s analysis focused mainly on the fact that he worked alone, not as a member of a newsroom. The nature of news and journalism is evolving rapidly. There are famous people who have added the label “Press – Press” when attending and participating in protests. People use Twitter to announce what’s happening at local government hearings. Others run reporting websites on focused topics, such as the helpful Seattle Insight City Council. Illustration The Legislature has tried to draw a line when it comes to being repeatedly blurred between YouTubers performing personally or Tweeters howling at perceived injustice. Back then, traditional newspapers and television news organizations had been the mainstay of a vibrant, free local press for decades. However, clarifying this distinction has always been difficult. Most people would trust a trained plumber to fix a leaky pipe that flooded their basement, rather than someone who just had a wrench and said he knew the pipes. Wrench doesn’t make a plumber, and Social Media doesn’t make a journalist. Members of the press are trained and adhere to journalistic ethics and standards. The YouTuber in this case will have a hard time convincing any unfriendly reader that he’s a real journalist. But besides that, there are also a lot of serious journalists today who don’t work for any newsroom.

Illustration. The reason is because in this vegetable contains a lot of vitamins A, C, active ingredients Saponin, Triterpenoids, minerals … have antioxidant ability, inhibit the formation of melanin under the skin, stimulate regeneration Create new cells to nourish smooth white skin. Particularly, the active ingredient Saponin has the ability to clear heat, detoxify, improve structure and regenerate new skin tissue. At the same time, gotu kola extract also supports to stimulate blood circulation, enhances oxygen reception, thereby helping to make the skin rosy and younger. So, just diligently applying the beauty recipes with gotu kola in combination with the standard skin care process, you will quickly get the beautiful and healthy skin you want. Acne treatment recipe from centella asiatica – Gotu kola after buying, pick up the old, shriveled vegetables, wash them and put them in a blender. – Use a sieve to remove the residue, separate the juice and put it in the cup. – Mix centella asiatica with a small pinch of salt, then apply on the face for about 30 minutes, then rinse with clean water. – Gotu kola juice add a little sugar, drink 1 cup a day, acne no matter how much it is, it will go away immediately after 2 weeks of application. The recipe for treating dark scars from gotu kola – Gotu kola after buying, pick up the old, shriveled vegetables, wash them, put them in a mortar and pound them. – Apply vegetable residue on the scarred skin after cleaning, keep it for 20-25 minutes for the nutrients to penetrate deeply into the cells, remove dark pigmentation. Then rinse the surface with water. Apply this method once a day at night before going to bed to make the dark spots disappear. The formula to treat melasma from gotu kola – You should squeeze the juice of gotu kola drink daily to beautify the skin from the inside. – Vegetable residue is applied to the skin, massage for about 5 minutes, concentrate on the skin with many melasma and then leave it for another 30 minutes and then rinse with water.

The heart of Phu Quoc Uniced Center is the “city that never sleeps” Grand World with a scale of 85 hectares first appeared in Vietnam. There are vibrant, trendy commercial streets, bustling entertainment centers, food stalls and festivals held all night and all morning. Grand World is operated according to the year-round model of famous sleepless cities in the world such as New York, Tokyo, Bangkok… Visitors who get lost in the Grand World also have to “take their hat off” to the impressive architecture. Prominent are the bright and bustling commercial townhouses along the Italian-style canal, recreating the famous beauty of Venice – Europe’s most romantic city. Not only opening a 1-0-2 check-in scene for young people, visitors can also experience traveling on a “unique, strange” gondola to fully see the most shimmering sunset in the city. “Asian Venice”. Or the record work “Bamboo Legend” – Bamboo Legend – unique, combining modern design with materials completely imbued with Vietnamese identity. Bamboo Legend is located in the middle of the Main Square, is one of the largest bamboo works in the world, 15m high and 700 square meters in area, made up of 32,000 Tay Ninh bamboo trees. Admire the world famous Teddy Bear museum in Vietnam for the first time, unique works of art at Urban Park Contemporary Art; Discover 5 Chau cuisine or go shopping on the bustling 24-hour street… are also addresses that visitors cannot ignore. In addition to the splendid architecture, the difference of Grand World is a series of non-stop activities 24/7, creating an endless space for entertainment and exploration for the whole Phu Quoc United Center complex. Among them are the million-dollar multi-media reality shows, supported by the world’s most modern entertainment technologies: “The quintessence of Vietnam”, “Venice show” and “Once show”, bringing to an unprecedented experience for visitors. Staying up late at Phu Quoc United Center is also an attractive experience at Corona Casino – the only legal 5-star casino in Vietnam that allows locals to experience with 100 tables and 1000 modern, comparable slot machines. with world famous casinos such as Wynn Las Vegas, Casino Lisboa, Sands Macao… 2nd “Golden Point” – Discover “1000 and 1” games at VinWonder entertainment world Besides the “city that never sleeps”, the most modern monumental entertainment world in the region that attracts visitors of all ages is VinWonders – the largest theme park in Vietnam, the leading theme park in Asia with a scale of 46 ,7 hectares. This place can be compared with the world’s leading amusement parks such as Disneyland and Everland… Visitors will come to the world of entertainment “through the air”, from the existence of the world’s most famous fairy tales. from ancient times to thousands of the most advanced adventure games for all ages extremely attractive. In particular, the Cyclone World subdivision (water park) at VinWonder is the “mecca” of water games with more than 40 games appearing for the first time in Vietnam. Typically, the terrible slide “Snake venom” pushes players into the wet slide up to 175m, equivalent to the wet slides in; The rampage has a height of 15m and a length of 164m with 2 huge super-sized swirls; The 20 meter long Hawaiian tornado… Built on the idea of ​​famous civilizations and world anecdotes, VinWonders is likened to a “giant film studio” where visitors can become the main characters to participate in the discovery. This will also be a place for visitors to check-in “tired hands” with picturesque photos. 3rd “Golden Point”: Relaxing in the wild Vinpearl Safari An indispensable part of Phu Quoc United Center is the largest semi-wild animal care and conservation park in the Vinpearl Safari area on an area of ​​up to 380ha. This will be a time to relax and immerse yourself in rare nature. Visitors will be able to “see with their own eyes and hands” thousands of animal species from all over the world’s biogeographic regions. With the unique model of “man to keep animals free”, Vinpearl Safari Phu Quoc has become a must-visit destination on the Phu Quoc tourist map and is rated as the world’s leading animal welfare standard SEAZA. The 4th “Golden Point of Experience” – Enjoy the high-class life of the Vinpearl hotel system Don’t worry about accommodation! Phu Quoc United Center has a hotel system to meet all the accommodation needs of tourists with many reasonable prices. Guests can easily choose from a wide range of segments, from mini hotels to 5-star brands such as Vinpearl, VinOasis, VinHoliday, Radison Blue… with more than 10,000 rooms. For many golfers, Vinpearl’s international standard 18-hole golf course is a challenging playground to exchange and practice skills in a series of days of endless fun at Phu Quoc Uniced Center. Along with the advantage of beautiful unspoiled nature, the super complex of sleepless resorts and entertainment Phu Quoc United Center when officially put into operation promises to be the leading destination in Asia, capable of rivaling , even surpassing many of the world’s top tourist paradises today.

And below is a list of iPhones that users should definitely not buy at the moment. Devices released before 2017 (iPhone 7/7 Plus and earlier) – Too old It’s 2021, buying yourself products that are more than 4-5 years old at first glance is already “wrong” and the truth is true. The iPhones released during this period are not necessarily bad products, but on the contrary, the iPhone 6s/6s Plus, 7/7 Plus… are in fact the best-selling iPhones that Apple has ever launched. It’s just because they’re so old. iPhone 7/7 Plus has begun to show signs of age In 2021, iOS 15 will be released and that is also the time when the iPhone 6s and 6s Plus duo will officially stop supporting software updates. The two successors of this couple have also shown signs of age when they are supported to upgrade to iOS 14 version, but they are very sluggish and start to appear quite difficult lag phenomenon. bear. Le Xuan Tinh, representative of XTmobile store shared: “If you are a user of the above iPhone models, don’t worry too much, all you need to do is just turn off the automatic software update feature on the device. and continue to use, your iPhone will continue to stick with its owner for a long time, 2-3 years or something.” If you are still attached to the Touch ID fingerprint sensor, the iPhone 8/8 Plus is the right choice And if you are thinking of buying a new one, stop thinking about it right away. Try a little harder, “single-lock” some newer models like iPhone 8/8 Plus, iPhone X, iPhone XR… We’ve got a pretty detailed summary of the best iPhone models worth buying in this range. price under 9 million (find and read here). iPhone SE 2020 – Outdated design Released around April 2020, iPhone SE 2020 is a “hybrid” with the appearance of iPhone 8 and the “gut” of iPhone 11. This can be a bright choice if you love sensors. Touch ID fingerprint, but apart from that single strong point, iPhone SE 2020 is a model you should immediately get rid of from your head from now on, why? Looking at the front is “rest” to know what machine this is! The first is the somewhat outdated design taken from the iPhone 8, no matter how much you love Apple, sorry, iFan is already fed up with this design and with a price of about 10 million VND in addition to that. other, we can completely “lower money” for any Android-powered model regardless, they will all have a design that looks “more eye-catching” than SE 2020. Next is battery life, a model that carries an iPhone 8 battery and the power of iPhone 11? If you suspect that this “good” will be very weak, congratulations, you are right! The usage time of the iPhone SE 2020 is really disappointing in the segment where it is being positioned. What’s more, the inclusion of only a 5W charger in the box (now no longer available) makes this weakness even more annoying. With the appearance of an iPhone 8, but the iPhone SE 2020 has the soul of the iPhone 11 Finally, the screen part, due to the use of the same frame as the iPhone 8, the SE 2020 is also equipped with the same screen panel, the “old-fashioned” IPS LCD, meanwhile, spends the same amount of money, even Even cheaper to buy an iPhone X or XS, you can already experience a modern OLED screen, for good visual effects and a deep black color. As for the IPS panel, this has never been a bad screen, it’s just too outdated! Is that enough cons for you to immediately put the intention of buying iPhone SE 2020 out of your head? iPhone 12 mini – Too small The last representative on the “do not buy” list today is the youngest brother in the iPhone 12 Series line. It’s really not a bad model, it has a beautiful screen, great camera, hardware ready to challenge any opponent. However, 12 mini was born in the wrong time. iPhone 12 mini is the most estranged model of the iPhone 12 Series In an era where people use their smartphones as “separate things”, they eat and sleep with their smartphones, entertain with their smartphones, and do almost everything they can on this smart device. Then a model with a “tiny” small size like the iPhone 12 mini is absolutely not an appropriate choice. No one will want to watch a blockbuster movie on a screen that is only 5.4 inches in size. In addition, the size of 12 mini also does not allow Apple to insert a large capacity battery, thereby resulting in less usage time. iPhone 12 mini is a good product but no longer suitable for market demand In fact, the iPhone 12 mini is equipped with 20W fast charging. However, users still have to spend several million dong to buy more. Therefore, the conclusion is that even if you have excess money, buy an iPhone 11, use it much better! And those are the top 3 iPhones that we absolutely should not buy for any reason. Although they all have strengths in some aspect, but overall they are not suitable for the tastes and needs of consumers at the present time! Photo: Internet

1. Ground meat Instead of wasting time chopping, many women after work often stop by the market to buy some pre-ground meat to process quickly and conveniently. Everyone thinks that the ground meat outside the store looks so red and fresh, how can it be silly. But in fact, that’s just the real feeling, you don’t know what they include in it. Maybe it’s made from a lot of shredded meat, fat, part of the animal, even rotten or rancid meat… that you can’t predict. So to be sure, the sisters do not want to buy cheap ground meat from the market, lest it harm the whole family. 2. Pig’s heart If you ask 10 people, 8 people will love old pig’s intestines because of the delicious taste. However, the old intestine of pigs is where the animals defecate, so they are often infected with many bacteria. If not properly cleaned, they will affect human digestion when eaten. In restaurants, due to limited time, this part is not carefully processed. They “shortcut” by using some deodorant chemicals, all kinds of spices to cover the smell. So, if you like to eat this dish, you should buy it and cook it yourself, but it’s bad luck in the store. 3. Duck head People quizzes who can ignore this duck head dish. The duck head is fragrant, the brain is sweet, crispy and soft to eat. However, ducks are animals that like to eat dirt and eat food on the ground, so their heads accumulate a lot of heavy metals, even filled with worms. So if you do not know how to prepare, the duck head is very dirty. Like an old pig’s heart, the time in the queue is limited, so the preliminary processing is often omitted, so no one can guarantee that the duck head is both delicious and clean “offering” for you to enjoy. So if you are still passionate, you should buy it yourself and prepare it for safety. 4. Ready-made braised meat, spring rolls or spring rolls Many women are too busy or simply … lazy, so they often buy braised meat, spring rolls or rolls available from the store to enjoy. The delicious meat taste, rich color, soft melt in the mouth makes so many people fascinated, but there are many potential risks of harm. Because they can be made from bad meat, stored for too long in the refrigerator, rancid and then processed by the seller, using additives to eliminate odors. So if you eat it, you will only harm your body, not gain any fat.

This bridge was built by Japanese merchants in the early 17th century. Due to the influence of natural disasters, the Covered Bridge has been restored many times and lost Japanese architectural elements, replaced by architecture. Vietnamese-Chinese style architecture. Legend has it that in 1719, Lord Nguyen Phuc Lai visited the pagoda and gifted the pagoda with three words “Lai Van Kieu”, which means “Friends from far away”, as an admiration, praise, and at the same time. Express your love for the scenery here. Around the 17th century, at this time the building was only considered a means of transportation for people. In 1653, people built an additional part of the pagoda, connected to the northern railing, protruding between the bridge, from which the locals called it Chua Cau. Hoi An Bridge Pagoda is called a pagoda, but it does not worship Buddha but worships the North De Tran Vo – a god who protects the country, bringing joy and happiness to people on this land. According to legend, the origin of the Covered Bridge is associated with the legend of the monster Namazu (also known as the Cu) – a sea monster in Japanese legend. This beast has a head in India, a body in Vietnam, and a tail that runs all the way to Japan. So every time it moves, disasters like floods, earthquakes… will happen. Therefore, the temple was built with the meaning of a sword blocking Namazu’s back, preventing it from moving, helping the lives of the people of… all three countries more peaceful. The Covered Bridge is a unique construction in our country, with long historical value, this is also the symbol of Hoi An city in Quang Nam province, so it was chosen to be printed on the VND 20,000 bill. Up to now, the temple seems to have become an invaluable asset, officially chosen as the symbol of Hoi An.

Ngo Thanh Van recently updated on Instagram with a very youthful and liberal outfit including a white two-wire shirt with flared pants and pointed shoes. This outfit is a bit retro but equally stylish and elegant thanks to the neat t shirt movements, and extremely reasonable basic shoes. Dressing under the armpits in the same color style, Ha Tang has a very harmonious outfit that is pleasing to the eyes. Closing the outfit with a pair of sandals in the inner strap has increased the overall hacking effect, and also added a stylish and generous part for the wearer. Luong Thuy Linh is wearing a very sexy crop top, but overall the outfit is still eye-catching and delicate because she chose to mix with wide-legged pants. This combination also brings a trendy look to the person. Thanh Hang wore a crop top in a very trendy and sophisticated way. This suit is also capable of good posture because the actress chose jeans with high, ankle-length stretches; Therefore, Thanh Hang’s supermodel standard body has been brought into full play. Thieu Bao Tram suggests women to set simple, trendy, youthful outfits that everyone can wear beautifully. Specifically, she chose a simple armpit shirt and then mixed with plaid pants, closing the set with a pair of sneaker. In addition to its stylish look, this outfit also exudes elegance. Thanks to the clever mix of Yen Trang, women will know that the shirt close to the armpits can also create luxurious max outfits. And the way of dressing is also very simple, just choose a beige armpit shirt, mixed with cream white wide pants, adorned with cool glasses is perfect. Ky Duyen’s way of wearing a tight armpit shirt is indeed luxurious, but more interesting, the queen also suggests to women how to lengthen her legs, which is to choose super long pants and mix with high heels. sharp. Ha Tang’s set of clothes impresses with the “western and western” look and is very delicate ink. The mother of two chose to wear a shoulder-padded shirt with a shoulder pad, an amiable brown tone, mixed with black jeans and flip-flops. In the end, she did not forget to tidy up to create a well-rounded and overall look. A two-stringed shirt with blue jeans is a very youthful, stylish combo that also exudes a sweet and feminine look. This is a great suggestion for weekend walks. Truc Anh completes the youthful, stylish look by simply mixing purple tone sweaters with blue jeans. The purple trend hasn’t cooled down yet, the more you should apply this recipe. Truc Anh mixes a two-wire crop top with denim skirt and creates a super sweet, youthful set and also scores in sexy and liberal. Photo: Instagram

Justin Bieber gave Crocs sandals to Victoria Beckham. Photo: Page Six. The designer asked fans about whether to mix Justin’s products with the current fashion wardrobe. However, the majority of the audience disagreed about Victoria Beckham’s intentions. After sharing poll results from fans, Ms. Becks also emphasized: “I’d rather die. But thank you anyway Justin Bieber”. In fact, there was no enmity between the Beckhams and the Biebers. The only problem here is the difference in fashion sense. In a later share, Victoria wrote: “The Beckhams still love you, Justin Bieber”. The male singer has yet to respond to Victoria Beckham’s move. However, he is not too worried about this reaction. The product’s sales still exceeded the original target. Victoria Beckham consulted with the online community. Photo: Page Six. Before, Billboard reported that Justin Bieber decided to cooperate with the Crocs footwear company to create a product called “Drew House Classic Clog 2”. The design retains the classic look and is covered with lavender purple tones. The mark to identify the 27-year-old singer’s brand on these sandals is the jibbitz part associated with classic characters from Drew House such as a teddy bear, a rabbit. Besides, the slippers also come with a pair of voice-branded socks Anyone . The product is priced at 69.99 USD. “Crocs wearing socks will create something new. This makes us comfortable, fashionable. Most importantly, you can express your own personality through wearing it. This combination creates. big bang in style, “said Justin Bieber. Justin Bieber paired with Crocs launched lavender purple cardboard shoes. Photo: Crocs.

1. The longest river in the world but without a bridge? Icon Nile River Icon Amazon River Icon Boiling River The correct answer is answer B: Originating from the 5,597-meter-high peak of Nevado Mismi of volcanic origin in the Andes, in Arequipa of Peru, the Amazon River is 6,992 km long with a basin spanning more than 7 million km². However, the strange thing is that this river does not have a bridge over … Considered the longest river in the world, has the widest basin and the most water flow in the world, the Amazon River in South America makes Anyone who heard it for the first time was amazed that there was not even a bridge. Therefore, although there are up to 25 million people living on either side of the river, if they want to cross the other side, they have to row a boat or take a ferry. In fact, for most of the length of the Amazon River, not every part of the river surface is so wide that a bridge cannot be built, but it is the dry season. In the rainy season, the river rises more than 9m and the river surface expands about 40km in just a few weeks. The soft alluvial layer on both sides of the banks is constantly eroding, the riverbed is often full of rubble – including patches of floating forest that sometimes reach 4 hectares. Amazon’s rainy season really brings nightmares to construction engineers. 2. Where is the hottest river in the world located? Icon Colombia Icon Peru Icon Ecuador The correct answer is answer B: Peru, officially the Republic of Peru, is located in South America, the north borders Ecuador and Colombia, the east is bordered by Brazil, the southeast borders Bolivia, the south borders Chile and the west of Peru. is the Pacific Ocean. The national area is about 1,285,000 km2, the population is more than 32.6 million, the capital is Lima. According to the Telegraph, the Boiling River, deep in the Amazon rainforest in Peru’s Mayantuyavu, is the hottest river in the world. Locals call the river “Shanay-timpishka”, or “boiling with the heat of the Sun”. The Boiling River is about 25 m wide and 6 m deep but only about 6.4 km long. The temperature of the river water always fluctuates from 50 to 90 degrees Celsius, up to 100 degrees, enough to make anyone who touches even a few seconds also suffer from degree 3 burns. 3. Which river is the deepest in the world? Icon Amazon Icon Mississippi Icon Congo The correct answer is answer C: According to the World Atlas, the River Congo (also known as the Zaire River) in Africa is the deepest in the world. The deepest point is approximately 220 m, slightly more than 20 m compared to the river ranked second is Truong Giang (China). With a length of 4,690 km, the Congo River is the ninth longest in the world and second in Africa (after the Nile). The Congo River has many branches, flowing through 10 countries including: Angola, Zambia, Burundi, Tanzania, Cameroon, Rwanda, Central African Republic, the Democratic Republic of the Congo, the Republic of the Congo and Gabon. It greatly affects the life and culture of the local people. There are 40 hydroelectric plants operating in the river basin. The name of the river coincides with the two countries in which it acts as a border: the Republic of the Congo and the Democratic Republic of the Congo. Due to its proximity to the equator, the area around the river is extremely hot. Tropical rainforests are a common sight around the Congo River. Some places are covered with grass cages, weeds are flat and quite tall. Hundreds of species of animals such as water snakes, hippos, crocodiles, turtles, and elephants also reside in this area. 4. Which continent is the coldest river in the world? Icon the South Pole Icon Oceania Icon Europe The correct answer is answer C: The coldest river in the world is not located in the North Pole or the South Pole, but in Europe. It is the Neretva River (also known as Narenta), flowing through Bosnia and Herzegovina, Croatia with a length of about 230 km. According to World Atlas, Neretva originates in the mountains of the Dinaric Alps at an altitude of about 1,227 m above sea level. This altitude makes the river temperature extremely low. The part with the lowest temperature is concentrated in Upper Neretva. Even in the summer, the coldest part of the river can be only 7-8 degrees Celsius. The Neretva River and its surrounding areas are home to many species of flora and fauna. About a quarter of all European fish species are found in this river. However, the river is facing threats from its surrounding environment, causing the number of species to decline. For example, the construction of hydroelectric dams along the river or some invasive animals. 5. Which river is the shortest in the world? Icon The Tamborasi River Icon River Roe Icon River Ombla The correct answer is Answer A: The Tamborasi River (Indonesia): Located in Tamborasi southeast of Sulawesi, the Tamborasi River is only about 20 meters long. This river originates from a rocky mountain, flows through a narrow beach and flows into the Gulf of Boni. With clear turquoise water, gentle sand and beautiful scenery, this is a favorite destination for many tourists. 6. Where is the most polluted river in the world located? Icon India Icon Indonesia Icon China The correct answer is answer B: The Citarum River in West Java, Indonesia plays an important role in the lives of people in the area because it is both a source of drinking water and used for both agricultural production and industry. However, the river is heavily polluted due to the “burden” of more than 28 million people living in the region with more than 1,000 factories poisoning with toxic wastewater every day. Therefore, the Citarum is considered the most polluted river in the world. 7. What is the name of the largest isle in the world? Icon Majuli Islet Icon Marajo Islet The correct answer is the answer A: Majuli isle in Assam, India is the largest river island in the world, surpassing the previous record of Marajo isle in Brazil. The 880km2 islet is surrounded by three rivers Brahmaputra to the south, Kherkutia Xuti and Subansiri to the north. Currently, the island is home to 3 tribes, and is also an attractive destination for visitors to Assam. Result Please work harder! point

On April 22, the continued fermentation of Tesla’s brake failure incident made the latest progress as Tesla provided the data before the accident for the first time. The husband of a female human rights activist in Shanghai reiterated late at night: Tesla has violated personal privacy rights, requesting data withdrawal and an apology The husband of the female car owner, Mr. Li, responded to the Elephant News reporter late at night that he violated the owner’s personal privacy and consumer rights and will immediately file a complaint with the Zhengzhou City Market Supervision Department. Tesla’s person responsible for handling the accident stated that the data had been sent to the customer by email. Since the customer’s phone number has not been answered, Tesla sent it to the customer’s mailbox when they bought the car through the company’s mailbox. “My wife is still in the detention center and the mobile phone is in the hands of the police. How can I receive a call?” Mr. Li said that before Tesla released the data one minute before the vehicle accident to the public, he had never obtained it with Zhang’s family. Over contact. Mr. Li only talked to the relevant person in charge of the Zhengdong New District Market Supervision and Administration Bureau of Zhengzhou City on the afternoon of the 22nd. The person in charge only told Mr. Li that Tesla had been ordered to provide data to the car owner and did not mention driving data. Released through the media. Tesla released the driving data without any communication with the car owner. After seeing the news, Mr. Li was very surprised, “This has violated our personal privacy and consumer rights.” Mr. Li was first right. The driving data presented by Tesla expressed disapproval. At the same time, he believed that the driving data belonged to personal property and personal privacy, and Tesla disclosed it to the media and the public without the owner’s permission, which he could not accept. In the next step, Mr. Li will file a complaint with the Zhengzhou Municipal Market Supervision Administration, and at the same time ask Tesla to apologize publicly and revoke the driving data. Tesla once again speaks out late at night: will unreservedly cooperate with the investigation Tesla re-issued a document on the 22nd night, saying that it fully accepts the decisions of the State Administration of Market Supervision and the Zhengzhou City Market Supervision Administration, and does its best to actively cooperate with all related investigations, effectively fulfill the main responsibility of quality and safety, and provide consumers with High-quality and safe products and services. Tesla said that as of April 21, it has provided complete driving data half an hour before the accident, and has proactively contacted and communicated with relevant parties and reported relevant situations on many occasions.

Further reading

Another Tesla Rights Defender Owner Says: Detection Cannot Keep Up with Technological Development

Soon after Tesla announced the situation one minute before the data restoration accident, another car owner, An Baojia, who participated in the rights protection, uttered a voice on Weibo, responding to why he did not perform a third-party appraisal. He said that “testing cannot keep up with technology” and it is difficult for authoritative appraisal agencies to be the dilemma faced by car owners after the current smart car controversy.

On Weibo, Anbaojia first expressed joy that Tesla started to provide data. He expressed his gratitude to the motherland and human rights defenders. “There was no clear relevant legal basis before. (Background data) Tesla did not give it, and consumers had nothing to do. Consumers found the Consumers Association, and the Consumers Association had nothing to do. In the past few days, they have just received approval from their superiors for pure electric vehicles. Consumers have the right to know the traffic data generated during use and driving, and companies need to provide them unconditionally. With this provision, there will be disputes in the future, and it will be much easier for everyone to get the data.”

It’s not easy to get the data, but Anbaojia raised a second question: “I don’t understand, and I can’t analyze the specific causes of the accident.”

Anbaojia said: “There is a car friend who does related work, but he can’t analyze it. I don’t know which organization can interpret this data.”

The reporter’s inquiry found that most of the vehicle identification agencies recognized by the relevant judicial departments were established earlier. Previously, they basically conducted accident identification for fuel vehicles. Through consultation with several automobile testing agencies, the other party stated that they can perform hardware testing for vehicles, but if there are problems with software or systems, the existing technology of the agency cannot guarantee the detection.

An industry insider who did not want to be named told reporters that in the past, agencies that conducted accident appraisal for fuel vehicles may not be able to adapt to the needs of smart cars. The reason is that smart cars are built on the basis of computer technology, so the effect of car owners stepping on the brakes in the event of an accident is likely to be affected by system calculations. Therefore, traditional appraisal agencies can only appraise whether the brakes in the current situation are normal, and cannot appraise the brakes of the vehicle when an accident occurs. To completely restore the truth of the accident, car companies also need to provide background data.

But even if car companies provide back-end data, whether the back-end data is complete and whether it is modified has become a point of contention. In addition, a service staff member of a testing agency also said that, like many of Tesla’s emerging technologies, testing agencies now do not have equipment testing software. The most “authoritative” may be the manufacturer’s own analysis.

This has caused the smart car accident to return to the embarrassing situation of the manufacturer’s “speaking of one family” without a third-party authoritative corroboration.

In this regard, Anbaojia said that it is an inevitable phenomenon that detection cannot keep up with the development of technology. At present, there are no relevant standards for new energy vehicle controller software testing, and the relevant standards of the computer industry cannot be fully applied to automotive controller software testing, nor can they guide automotive industry engineers to carry out software testing in a comprehensive manner.

It is reported that under the leadership of the National Automobile Standards Committee, the development of large-scale intelligent network car safety standards is currently in full swing.

It is understood that Anbaojia is different from the Henan Car Advocate woman who defends rights on the roof of the car. The reason for defending rights is not the brake failure, but the loss of power of the vehicle. He also said on Weibo: “After Ms. Zhang came out, she must have something to say about Tesla’s data. I can’t speak for her. Each of us has different problems. Regarding the problem of my car, I have just released it recently. Video. Before Ms. Zhang comes out, listen to the professional interpretation.”

According to his account, in March this year, when he was driving a Model S from Nanjing to Shanghai, the vehicle suddenly alarmed: “The power has been reduced and the vehicle is shutting down.” Then, the vehicle stepped on the pedal without any response. He contacted Tesla after-sales service to send the vehicle to the service center, but the customer service staff first stated that the vehicle lost power due to a motor failure, and then believed that the motor problem was caused by Mr. An’s vehicle wading in the water. Anbaojia believed that Tesla was “throwing the pot” and disapproved of the accident.

Original title: Tesla’s new voice of rights defenders: detection can not keep up with technological development

Source: Comprehensive Elephant News Beijing Daily Client @安保佳@ Tesla Process Editor: tf004

From the video taken by the US Navy, a J-15 carrier-based aircraft landed steadily on the flight deck of the Liaoning ship. On the rear flight deck of the Liaoning ship, there are parked eight J-15 carrier-based aircraft, in addition to Zhi-9 search and rescue helicopters and Zhi-8 carrier-based helicopters. This clearly shows the state of the Liaoning ship performing combat missions at any time. Under this deck standby aircraft configuration, the Liaoning ship can release a wave of 8 J-15 carrier-based aircraft at any time to conduct sea assault missions. There are also 2 J-15s capable of escorting air defense patrols and direct -9 search and rescue helicopters. For emergency search and rescue when the fighter was released, the Zhi-8 helicopter carried out anti-submarine and radar warning.

At the take-off point on the front deck of the Liaoning ship, there is also a J-15 carrier-based aircraft on standby for take-off at any time. Careful netizens have discovered that every time the Liaoning ship deploys a J-15 ready to take off on the front deck, there will always be a flipped “board” standing behind the ship. What is this for?

The scientific name of this board is the deflector, also known as the “flame baffle”. The deflector is a key component of the aircraft carrier deck aviation protection system. When placed in parallel, it is a part of the flight deck. It has all the functions of the deck, and personnel and equipment can pass from above; and when it is erected to work, it must face the tail of the aircraft. The high-temperature and high-speed flame of the flame washes away.

The deflector can block the tail flame of the carrier-based aircraft when it takes off. Before the carrier-based aircraft takes off, the jet engine is already running at full speed. At this time, it jets a stream of high-temperature and high-speed gas backward, which is very harmful to the aircraft and personnel behind it. The deflector is not placed vertically when in use, it is usually opened at an angle of 60 degrees. This placement method can refract and deflect the gas at the rear of the F-15 to the greatest extent, thus ensuring the least impact on other carrier aircraft.

There is a big difference from my country’s Liaoning ship. The Indian aircraft carrier Chao Riwang does not have a take-off deflector (flame baffle). Some netizens discovered that the Indian aircraft carrier Super Sun King did not have a take-off flame shield. When the MiG-29 carrier aircraft took off, the rear flight deck had to be emptied.

The “Super Sun King” is a good rear independent mast of the aircraft carrier, and this aircraft carrier immediately rises tall, because the American Nimitz-class aircraft carrier is also such a mast. Every time I see a new Indian carrier-based aircraft landing, I feel that my heart is tight and tight, and I am quite worried that the Indian pilot will hit the ship island head-on.

The Indian aircraft carrier “Chaoriwang”, formerly the Gorshkov aircraft carrier built in the Soviet era, is equipped with the Yak-38 vertical take-off and landing carrier aircraft, because the Yak-38 is a vertical take-off and landing, and only needs to take off and land. The flight deck at the point needs to be reinforced and treated with high temperature resistance. No deflector plate is required, so no deflector plate is installed.

When the Gorshkov was refitted, in order to save trouble and cost, Russia did not suggest that India install a deflector, and India actually agreed.

The deflector is taken off and landed by 6 crank arms. The copper pipe under the plate introduces 400 tons of seawater per minute for rapid cooling. The board can be lowered from 400 degrees to 150 degrees in 2 minutes, and the second plane can be smoothly laid down. Taxi to the take-off point. The deflector can guide the tail flame to both sides and above, preventing the jet flame from the fighter jet from scorching the deck and other carrier-based aircraft behind it, and it can also ensure that the take-off area and the landing area do not interfere with each other. It is conducive to deploying more carrier-based aircraft on the deck, and can also quickly release carrier-based aircraft.

It looks like a small deflector, but the structure is actually very complicated. In order to cool down quickly, the deflector shows that it is coated with a high-temperature resistant coating, and the back is water-cooled. There are many huge copper pipes behind the deflector, and the water pump drives a lot of seawater here. Circulate the flow to reduce the temperature of the deflector itself. Such a board integrates the functions of heat insulation, non-slip, and impact resistance. In addition, since the deflector has been in service in the marine environment for a long time, it should also have corrosion resistance. The deflector board needs to simultaneously solve many technologies such as board surface lifting, high temperature resistance, seawater circulating cooling, and maintaining flatness with the runway. The design is very complicated and not easy.

A close-up of the combination of the brake wheel block and deflector of the Liaoning ship.

When the Russians modified the Gorshkov for India, if the deflector was installed, an opening was required on the deck, and water cooling and driving equipment were installed below. Copying the aircraft carrier Kuznetsov does not work either. It requires a whole new set of modified designs, and the cost must be high. Therefore, the Russian side deliberately “forgot” the deflector of the aircraft carrier. Fortunately, India did not force it, so everyone was happy and stopped.

The “Choriwang” aircraft carrier lacking a “drift plate” made the carrier aircraft very awkward when it took off. Its long take-off point is very far behind, behind the carrier fuselage is the sea, and the hot tail flames emitted by the carrier aircraft are directly discharged outboard, so deflectors are not needed. The short take-off point on the front deck is no way. When the MiG-29 takes off, the rear deck must be cleared. But at the same time, the short take-off point is usually on standby, which is in contradiction with deck shutdown operations. So in fact, there is only one real take-off point for this aircraft carrier in India.

In addition, it is reported that the Vikrant, the first domestically-made aircraft carrier in India, does not have a flame shield. Why is this? India does not need it, or is it technically restricted. But since this new aircraft carrier is a brand of IWC, there should be no shortage of this technology. Is it because the Ganges River has a better cooling effect?

Produced | Tiger Sniff Business Team

Author｜Li Ling

Head image｜IC photo

On April 17, Beijing time, the parent company of DipChip submitted a listing application to the SEC, planning to list on the New York Stock Exchange through the issuance of ADS under the code “WDH”.

In this prospectus, Waterdrop defines itself as “a leading technology platform dedicated to insurance protection and medical and health services”, but did not announce the number of shares issued and the amount of funds raised. When the news of Waterdrop’s listing in the United States came out in the second half of 2020, its market value was around US$6 billion.

In fact, in the current division of business areas in my country, it is difficult to properly summarize and define Drip. If the only profitable insurance brokerage business currently fits “insurance protection”, medical and health services are part of Drip’s unproven feasibility.

The core business model of Waterdrop at this stage is to “establish a social network of protection and assistance through Waterdrop Chips, Waterdrop Mutual Aid and Waterdrop Insurance, so as to increase the insurance awareness of domestic consumers, and then provide insurance protection and medical and health services.”

In other words, Waterdrop first obtains strong-associated social users through online fundraising (waterdrop financing) and network mutual assistance (waterdrop mutual assistance), and establishes the user’s risk control mind, and then uses the Internet insurance broker (waterdrop insurance mall) business to provide users with risks. The solution is to sell insurance.

Not long ago in March, Water droplets shut down water droplets help each other . Compared with Meituan, which shut down its mutual assistance business earlier and returned all of the user’s share of the money, Waterdrop made a unilateral notice and did not give users any compensatory measures. From the perspective of the industry, The unilateral shutdown of Waterdrop Mutual Aid is clearing the barriers to listing and also reflects the urgency of its listing.

No matter what, the water droplet will have the title of “first share”, but the specific definition of which field is not so appropriate. Both online mutual assistance and online crowdfunding are currently in a dark area of ​​regulation. The former is forced to close due to compliance risks, and the latter has not yet issued suitable regulatory regulations, but it has been criticized by public opinion several times for harvesting love. Neither of them has the ability to be benchmarked for listing.

The intermediary commissions earned by insurance brokers are essentially flow realization, with limited sustainability, and it is hard to say how high the technological barriers are.

The core business is under a strong regulatory environment, and the new business is still in its infancy. Why is Water Drop eager to go public at this time? The answer is hidden in the data in the prospectus.

Lose for three years, you may lose more years

The prospectus disclosed that from 2018 to 2020, the total revenue of Waterdrop was 238 million yuan, 1.511 billion yuan, and 3.028 billion yuan, respectively. Revenue in 2019 increased by 535% year-on-year, and in 2020 it increased by 100% year-on-year.

Water drop’s revenue has not yet covered expenditures. Water drop’s total operating expenses for the same period were 426 million yuan, 1.705 billion yuan, and 3.524 billion yuan, respectively, with year-on-year growth of 300% and 107% in 2019 and 2020, respectively.

Its net losses for the same period were 209 million yuan, 322 million yuan, and 664 million yuan.

In other words, in the past three years, Waterdrop has earned 4.8 billion yuan in revenue and nearly 1.2 billion yuan in losses. The loss in 2019 increased by 39% year-on-year. In 2020, the revenue growth rate dropped sharply, and the loss also expanded at the same time, with a year-on-year increase of 106%. The risk factors section of the prospectus stated that operating losses may continue in the future.

Judging from the growth rate of the last two years alone, the trend of water drop’s revenue and expenditure remains the same: when expenditure doubles in 2019, its revenue growth rate reaches its peak. Expenditure shrinks in 2020, and revenue growth has also begun to fall off a cliff.

Waterdrop was established in 2016. According to the development stage of the Internet company, it will either precipitate or erupt in three to five years. Waterdrop belongs to the latter. Based on social traffic, it broke out earlier, but the abnormal business growth at this stage “brakes” because the business model causes traffic. To the top of the realisation, or the phased investment is too large, some clues may be seen from the marketing expenses.

From 2018 to 2020, the marketing expenses of Water Drop were 185 million yuan, 1.058 billion yuan, and 2.131 billion yuan, respectively. The three-year marketing expenses were as high as 3.374 billion yuan.

If split into the proportion of annual operating expenses, Waterdrop’s marketing expenses in 2018 accounted for 43% of operating expenses, marketing expenses in 2019 accounted for 62% of operating expenses, and marketing expenses in 2020 accounted for 60% of operating expenses.

Marketing expenses account for 60% of operating expenses, and it is not a good thing to look at where they are placed. Furthermore, the high marketing costs also represent the high cost of acquiring customers at the front end of Waterdrop. Under the trend of tightening supervision, whether marketing can be used to drive business growth has to be questioned.

In contrast, the R&D expenses in the above period were 69 million yuan, 215 million yuan, and 244 million yuan, accounting for 16%, 13%, and 7% of operating expenses during the same period.

The highest proportion of R&D investment is less than 20%, and the lowest is only 7%, and there is a tendency to decrease. In this case, Waterdrop has to say that it is a technology platform, most likely to tell a good story to the capital market.

For water droplets whose income is far from covering expenditures and needs to rely on continuously increasing investment in marketing to maintain operation, Getting money on the market is a matter of course. But the previous valuation of 6 billion yuan is likely to be greatly discounted.

A company that sells insurance, worth $6 billion?

From the perspective of revenue composition, Waterdrop can be called “a company that sells insurance.”

Its revenue is composed of four parts: “income from securities, futures and insurance brokerage business”, “technical service income”, “management fee income” and “other business”.

The first income with a very long name can be simply understood as the diversion fee of Waterdrop Insurance, which is the commission for selling insurance; technical service fee refers to the technological solutions provided by Waterdrop to cooperative insurance companies and institutions; management fee refers to Waterdrop In the mutual assistance business, the platform extracts 8% of the operating and management expenses from the total mutual assistance fund; other businesses mainly refer to new businesses in the medical service field that have not achieved large-scale revenue.

In 2018, Waterdrop’s total revenue was 238 million yuan, of which insurance commission income was 122 million yuan, technical service income was 59 million yuan, management fee income was 47 million yuan, and other revenues were 10 million yuan, which contributed to the revenue respectively. They are 51%, 25%, 20% and 4%.

In 2019, Waterdrop’s total revenue was 1.511 billion yuan, of which insurance commission income was 1.31 billion yuan, technical service income was 50 million yuan, management fee income was 140 million yuan, and other income was 80 million yuan, accounting for 87% of revenue. , 3%, 9%, 1%.

In 2020, Waterdrop’s revenue is 3.028 billion yuan, of which insurance commission income is 2.695 billion yuan, technical service income is 194 million yuan, management fee income is 110 million yuan, and other income is 29 million yuan, accounting for 89% of revenue, respectively. 6%, 4%, 1%.

A notable trend is that insurance commission income occupies an increasingly important position in revenue contribution, from 50% to nearly 90%. The technical service fees and management fees, which originally combined to contribute 45% of revenue, have been compressed to 10% of their revenue contribution. The contribution of other income to revenue in the past three years is very small, almost negligible.

The “partial branch” of Waterdrop has made insurance commissions a major part of its revenue. At the same time, its insurance income is also concentrated from ZhongAn Insurance, China Taiping Life Insurance, and Hongkang Life Insurance.

As of December 31, 2020, the cumulative number of insurance users of Waterdrop was approximately 79.4 million. In 2018, 2019, and 2020, the cumulative number of users who purchased insurance was 1.7 million, 8.8 million and 19.2 million. Insurance revenues in the first year were 972 million yuan, 6.668 billion yuan, and 14.426 billion yuan.

Among them, ZhongAn Insurance accounted for 21.7% of Waterdrop’s revenue in 2018, China Taiping Life Insurance accounted for 24.8% of Waterdrop’s total business in 2020, and Hongkang Life Insurance accounted for 11.1% of its total revenue in 2020.

With a single core business and a concentrated source of income, it is difficult to find a cure for the problems of Waterdrop’s profitability and growth space in a short period of time. Although the prospectus discloses that Waterdrop has obtained the online medical sales qualification and drug distribution license, its new business related to medical services has weak momentum and large uncertainties, so it is too far-fetched to define it as a medical service platform.

Even if it is valued according to its core business, ZhongAn Insurance, which has an insurance license, has a total market value of no more than 9 billion U.S. dollars. Only the water droplets with an insurance brokerage license are far away from 6 billion U.S. dollars.

The diversion artifact is gone, how else to tell the story

Even at the current stage of continuous loss of money and high marketing expenses, for the Internet star company blessed by the former executives of Meituan, this does not affect Waterdrop’s storytelling for investors.

Waterdrop’s prospectus stated that its user conversion capabilities can realize the lifetime value of user groups through my country’s insurance market, drive long-term growth, and expand the field of medical services.

In other words, insurance income will become the core income of Waterdrop in the longer term, and it will also become the basis for expanding medical services in the future.

But among the risk factors, Waterdrop cited insurance, crowdfunding Business growth is affected by the future development of third-party insurance brokerage agents and the medical crowdfunding industry. Risks such as the uncertainty of changes in the regulatory system .

Waterdrop’s insurance brokerage business is essentially flow monetization. Through waterdrop mutual assistance and waterdrop chip to obtain targeted traffic, it is also easier to convert to related insurance types. Waterdrop’s insurance brokerage license was officially obtained in May 2017, through a wholly-owned acquisition of Baoduoduo Insurance Brokers Co., Ltd.

The biggest difference between an insurance broker company and an insurance company is that the former does not produce insurance but only sells insurance, and at the same time can participate in the design of insurance products. Waterdrop’s second largest revenue is to design insurance jointly with insurance companies based on user data and charge technical service fees. It is still the realization of traffic (data).

After all, insurance brokers still work for insurance companies, and when traffic is always capped, the uncertainty brought about by regulatory changes also makes it harder and harder for platform intermediaries to make money.

In December 2020, the China Banking and Insurance Regulatory Commission will adjust the supervision of online insurance business, which will take effect in February 2021. The adjustment change is that the insurance brokerage platform sets up customer management, information protection, etc. It also requires the platform to standardize promotional materials and marketing activities, and users can only apply for insurance online through the online interface of insurance institutions.

In addition to restricting insurance brokers’ over-acquisition of user information, the China Banking and Insurance Regulatory Commission has also improved the platform’s infrastructure and network security standards, which will undoubtedly increase operational and security costs.

In March, the water drop shut down the water drop to help each other, and only the water drop chip can divert the insurance. In 2018, 2019 and 2020, the first year premium of Water Drop Insurance was approximately 46.5%, 23.0% and 13.0% were from water drop chips.

The user conversion rate of DipChip has dropped visibly. The prospectus did not disclose the total number of registered users of Waterdrop and related growth data. Therefore, it is difficult to judge whether the water drop chip will produce a continuous and stable transformation of insurance in the future.

Now, Waterdrop is undoubtedly a marketing-driven insurance brokerage company. Having not yet proven its potential in the field of medical and health services, coupled with weak profitability, and no longer listing to raise money, I am afraid that even Didi Chai, which has a low operating cost, will not be able to do it.

It is said that the Thai royal family produces beauties, and Queen Sutida leads more than 20 concubines in the harem. Everyone knows that the Thai king is bothered, but there are still so many girls who want to enter the harem and compete with the noble queen. Royal Concubine Sinina gradually formed her own dressing style, with fancy and fancy routes that perfectly showed her beauty. Queen Surtida’s serious appearance seemed to hide her heart.

Sinina always dangled in front of Queen Sutida, and Sutida tried to respond to Sinina. This beautiful blue traditional Thai dress is really elegant and moving. Queen Sutida actually has another rival, which should be her self-confident love rival, that is Thailand’s rich Chinese woman Wu Lunpan. Wu Lunpan is a strong business woman, and even a beautiful woman of cold age. Now 54-year-old Wu Lunpan, what she can see from her is a complete sense of girlhood, with no trace of time, so Queen Sutida feels that she is a threat to herself, and Wu Lunpan looks at it from a certain angle, and Sirami looks a bit like it!

Wu Lunpan has a close relationship with the royal family, so there are many occasions to participate. Although Sinina is the default spokesperson for traditional Thai clothes, she found that Wu Lunpan’s Thai clothes look even more stunning than Sinina. Wu Lunpan’s golden Thai dress has a strapless style that is a bit sexy, and the high-level sense of fabric highlights Wu Lunpan’s status.

Wu Lunpan’s clothing has changed a lot. Whether it is a very classical traditional dress or a luxurious dress, this golden yellow dress by Wu Lunpan is really noble! Wu Lunpan didn’t look down on the life of the royal family. Faced with the multiple shows of love from the Thai king, Wu Lunpan was unmoved.

This two-piece Thai suit, Wu Lunpan’s set is full of dreams, embroidery and tulle make the whole look full of three-dimensionality. Many people are curious, what is the husband like for such a woman with beautiful temperament, such a woman who doesn’t like the king of Thailand?

Although Wu Lunpan posts a lot of beautiful photos on social platforms on weekdays, she rarely shows her affection. On April 22, local time, Wu Lunpan rarely showed her affection. According to legend, Wu Lunpan’s husband looks a lot like Wu Qilong.

54-year-old Wu Lunpan was completely spoiled as a little girl by her husband’s side. He really looks very much like Wu Qilong, dressing and dressing is also very young, tall and mighty figure, no wonder Wu Lunpan looks down on the King of Thailand.

Wu Lunpan, who is super gentle on weekdays, acted like a baby directly in front of her husband. Although Wu Lunpan is a strong woman in the workplace, she usually likes floral lace and other elements, and the shape of this light-colored windbreaker, coupled with high heels, is a typical outfit for white-collar workers in the workplace! And her coquettish appearance leaning on her husband’s shoulder really makes her even more beautiful.

The holiday style is what Wu Lunpan is best at. The weather in Thailand has always been relatively hot. Wu Lunpan usually deduces the holiday style into the most beautiful state. The shirt and black trousers, such a typical workplace black and white match, can also create a holiday style, relying on this wide-brimmed hat.

Wu Lunpan’s old fair day was not as high-profile as his wife. This time, several sweet group photos were rarely shown, which is very rare. Wu Lunpan’s spring outfits are so beautiful. A simple red sweater cardigan brings out her pink apple skin.

A wealthy Chinese wife in Thailand rarely exposes her husband!Husband is much more handsome than King Thai, no wonder she doesn’t like King Thai

Disclaimer: The text is original, the picture comes from the Internet, if there is any infringement, contact to delete it. Plagiarism is prohibited, offenders must be investigated!

Produced | Tiger Sniff Business Team

Author｜Li Ling

Head image｜IC photo

On April 17, Beijing time, the parent company of DipChip submitted a listing application to the SEC, planning to list on the New York Stock Exchange through the issuance of ADS under the code “WDH”.

In this prospectus, Waterdrop defines itself as “a leading technology platform dedicated to insurance protection and medical and health services”, but did not announce the number of shares issued and the amount of funds raised. When the news of Waterdrop’s listing in the United States came out in the second half of 2020, its market value was around US$6 billion.

In fact, in the current division of business areas in my country, it is difficult to properly summarize and define Drip. If the only profitable insurance brokerage business currently fits “insurance protection”, medical and health services are part of Drip’s unproven feasibility.

The core business model of Waterdrop at this stage is to “establish a social network of protection and assistance through Waterdrop Chips, Waterdrop Mutual Aid and Waterdrop Insurance, so as to increase the insurance awareness of domestic consumers, and then provide insurance protection and medical and health services.”

In other words, Waterdrop first obtains strong-associated social users through online fundraising (waterdrop financing) and network mutual assistance (waterdrop mutual assistance), and establishes the user’s risk control mind, and then uses the Internet insurance broker (waterdrop insurance mall) business to provide users with risks The solution is to sell insurance.

Not long ago in March, Water droplets shut down water droplets help each other . Compared with Meituan, which shut down its mutual assistance business earlier and returned all of the user’s share of the money, Waterdrop made a unilateral notice and did not give users any compensatory measures. From the perspective of the industry, The unilateral shutdown of Waterdrop Mutual Aid is clearing the barriers to listing and also reflects the urgency of its listing.

No matter what, the water droplet will have the title of “first share”, but the specific definition of which field is not so appropriate. Both online mutual assistance and online crowdfunding are currently in a dark area of ​​regulation. The former is forced to close due to compliance risks, and the latter has not yet issued suitable regulatory regulations, but it has been criticized by public opinion several times for harvesting love. Neither of them has the ability to be benchmarked for listing.

The intermediary commissions earned by insurance brokers are essentially flow realization, with limited sustainability, and it is hard to say how high the technological barriers are.

The core business is under a strong regulatory environment, and the new business is still in its infancy. Why is Water Drop eager to go public at this time? The answer is hidden in the data in the prospectus.

Lose for three years, you may lose more years

The prospectus disclosed that from 2018 to 2020, the total revenue of Waterdrop was 238 million yuan, 1.511 billion yuan, and 3.028 billion yuan, respectively. Revenue in 2019 increased by 535% year-on-year, and in 2020 it increased by 100% year-on-year.

Water drop’s revenue has not yet covered expenditures. Water drop’s total operating expenses for the same period were 426 million yuan, 1.705 billion yuan, and 3.524 billion yuan, respectively, with year-on-year growth of 300% and 107% in 2019 and 2020, respectively.

Its net losses for the same period were 209 million yuan, 322 million yuan, and 664 million yuan.

In other words, in the past three years, Waterdrop has earned 4.8 billion yuan in revenue and lost nearly 1.2 billion yuan. The loss in 2019 increased by 39% year-on-year. In 2020, the revenue growth rate dropped sharply, and the loss also expanded at the same time, with a year-on-year increase of 106%. The risk factors section of the prospectus stated that operating losses may continue in the future.

Judging from the growth rate of the last two years alone, the trend of water drop’s revenue and expenditure remains the same: when expenditure doubles in 2019, its revenue growth rate reaches its peak. Expenditure shrinks in 2020, and revenue growth has also begun to fall off a cliff.

Waterdrop was established in 2016. According to the development stage of the Internet company, it will either precipitate or erupt in three to five years. Waterdrop belongs to the latter. Based on social traffic, it broke out earlier, but the abnormal business growth at this stage “brakes” because the business model causes traffic. To the top of the realisation, or the phased investment is too large, some clues may be seen from the marketing expenses.

From 2018 to 2020, the marketing expenses of Water Drop were 185 million yuan, 1.058 billion yuan, and 2.131 billion yuan, respectively. The three-year marketing expenses were as high as 3.374 billion yuan.

If split into the proportion of annual operating expenses, Waterdrop’s marketing expenses in 2018 accounted for 43% of operating expenses, marketing expenses in 2019 accounted for 62% of operating expenses, and marketing expenses in 2020 accounted for 60% of operating expenses.

Marketing expenses account for 60% of operating expenses, and it is not a good thing to look at where they are placed. Furthermore, the high marketing costs also represent the high cost of acquiring customers at the front end of Waterdrop. Under the trend of tightening supervision, whether marketing can be used to drive business growth has to be questioned.

In contrast, the R&D expenses in the above period were 69 million yuan, 215 million yuan, and 244 million yuan, accounting for 16%, 13%, and 7% of operating expenses during the same period.

The highest proportion of R&D investment is less than 20%, and the lowest is only 7%, and there is a tendency to decrease. In this case, Waterdrop has to say that it is a technology platform, most likely to tell a good story to the capital market.

For water droplets whose income is far from covering expenditures and needs to rely on continuously increasing investment in marketing to maintain operation, Getting money on the market is a matter of course. But the previous valuation of 6 billion yuan is likely to be greatly discounted.

A company that sells insurance, worth $6 billion?

From the perspective of revenue composition, Waterdrop can be called “a company that sells insurance.”

Its revenue is composed of four parts: “income from securities, futures and insurance brokerage business”, “technical service income”, “management fee income” and “other business”.

The first income with a very long name can be simply understood as the diversion fee of Waterdrop Insurance, which is the commission for selling insurance; technical service fee refers to the technological solutions provided by Waterdrop to cooperative insurance companies and institutions; management fee refers to Waterdrop In the mutual assistance business, the platform extracts 8% of the operating and management expenses from the total mutual assistance fund; other businesses mainly refer to new businesses in the medical service field that have not achieved large-scale revenue.

In 2018, Waterdrop’s total revenue was 238 million yuan, of which insurance commission income was 122 million yuan, technical service income was 59 million yuan, management fee income was 47 million yuan, and other revenues were 10 million yuan, which contributed to the revenue respectively. They are 51%, 25%, 20% and 4%.

In 2019, Waterdrop’s total revenue was 1.511 billion yuan, of which insurance commission income was 1.31 billion yuan, technical service income was 50 million yuan, management fee income was 140 million yuan, and other income was 80 million yuan, accounting for 87% of revenue. , 3%, 9%, 1%.

In 2020, Waterdrop’s revenue is 3.028 billion yuan, of which insurance commission income is 2.695 billion yuan, technical service income is 194 million yuan, management fee income is 110 million yuan, and other income is 29 million yuan, accounting for 89% of revenue, respectively. 6%, 4%, 1%.

A notable trend is that insurance commission income occupies an increasingly important position in revenue contribution, from 50% to nearly 90%. The technical service fees and management fees, which originally combined to contribute 45% of revenue, have been compressed to 10% of their revenue contribution. The contribution of other income to revenue in the past three years is very small, almost negligible.

The “partial branch” of Waterdrop has made insurance commissions a major part of its revenue. At the same time, its insurance income is also concentrated from ZhongAn Insurance, China Taiping Life Insurance, and Hongkang Life Insurance.

As of December 31, 2020, the cumulative number of insurance users of Waterdrop was approximately 79.4 million. In 2018, 2019, and 2020, the cumulative number of users who purchased insurance was 1.7 million, 8.8 million and 19.2 million. Insurance revenues in the first year were 972 million yuan, 6.668 billion yuan, and 14.426 billion yuan.

Among them, ZhongAn Insurance accounted for 21.7% of Waterdrop’s revenue in 2018, China Taiping Life Insurance accounted for 24.8% of Waterdrop’s total business in 2020, and Hongkang Life Insurance accounted for 11.1% of its total revenue in 2020.

With a single core business and a concentrated source of income, it is difficult to find a cure for the problems of Waterdrop’s profitability and growth space in a short period of time. Although the prospectus disclosed that Waterdrop has obtained the online medical sales qualification and drug distribution license, its new business related to medical services has weak momentum and large uncertainties, so it is too far-fetched to define it as a medical service platform.

Even if it is valued according to its core business, ZhongAn Insurance, which has an insurance license, has a total market value of no more than 9 billion U.S. dollars. Only the water droplets with an insurance brokerage license are far away from 6 billion U.S. dollars.

The diversion artifact is gone, how else to tell the story

Even at the current stage of continuous loss of money and high marketing expenses, for the Internet star company blessed by the former executives of Meituan, this does not affect Waterdrop’s storytelling for investors.

Waterdrop’s prospectus stated that its user conversion capabilities can realize the lifetime value of user groups through my country’s insurance market, drive long-term growth, and expand the field of medical services.

In other words, insurance income will become the core income of Waterdrop in the longer term, and it will also become the basis for expanding medical services in the future.

But among the risk factors, Waterdrop cited insurance, crowdfunding Business growth is affected by the future development of third-party insurance brokerage agents and the medical crowdfunding industry. Risks such as the uncertainty of changes in the regulatory system .

Waterdrop’s insurance brokerage business is essentially flow monetization. Through waterdrop mutual assistance and waterdrop chip to obtain targeted traffic, it is also easier to convert to related insurance types. Waterdrop’s insurance brokerage license was officially obtained in May 2017, through a wholly-owned acquisition of Baoduoduo Insurance Brokers Co., Ltd.

The biggest difference between an insurance broker company and an insurance company is that the former does not produce insurance but only sells insurance, and at the same time can participate in the design of insurance products. Waterdrop’s second largest revenue is to design insurance jointly with insurance companies based on user data and charge technical service fees. It is still the realization of traffic (data).

After all, insurance brokers still work for insurance companies, and when traffic is always capped, the uncertainty brought about by regulatory changes also makes it harder and harder for platform intermediaries to make money.

In December 2020, the China Banking and Insurance Regulatory Commission will adjust the supervision of online insurance business, which will take effect in February 2021. The adjustment change is that the insurance brokerage platform sets up customer management, information protection, etc. It also requires the platform to standardize promotional materials and marketing activities, and users can only apply for insurance online through the online interface of insurance institutions.

In addition to restricting insurance brokers’ over-acquisition of user information, the China Banking and Insurance Regulatory Commission has also improved the platform’s infrastructure and network security standards, which will undoubtedly increase operational and security costs.

In March, the water drop shut down the water drop to help each other, and only the water drop chip can divert the insurance. In 2018, 2019 and 2020, the first year premium of Water Drop Insurance was approximately 46.5%, 23.0% and 13.0% were from water drop chips.

The user conversion rate of DipChip has dropped visibly. The prospectus did not disclose the total number of registered users of Waterdrop and related growth data. Therefore, it is difficult to judge whether the water drop chip will produce a continuous and stable transformation of insurance in the future.

Now, Waterdrop is undoubtedly a marketing-driven insurance brokerage company. Having not yet proven its potential in the field of medical and health services, coupled with weak profitability, and no longer listing to raise money, I am afraid that even Didi Chai, which has a low operating cost, will not be able to do it.

This is one of the best signs that your spouse is not taking you seriously. They are lazy to do new things, lazy to keep the flame of love between the two of them. Because, when the other person no longer respects you, they are not afraid of breaking up, not afraid if one day you disappear. To them, this is a relationship that “yes is good, no is also okay”. With love deficient in respect, no matter how hard you try, the other half will not appreciate those efforts. 2. The other party never does anything for you No matter how busy life or work, everyone has a way of arranging time to do what they really want. If the other person cares about you, they will constantly find ways to make you happy. It doesn’t have to be a big act, a “huge” surprise, but simply a sweet message, a small gift or a warm meal, … All to show that you are real. the specialness of them. If someone never does anything that makes you feel warm and loved, consider your relationship. 3. The other party avoids “serious” topics. A serious conversation is essential for any long-term relationship. If your partner just wants to stop at the level of pure fun, this may be a sign that they don’t want to “go far” with you. Ignorance can be identified by their disregard for serious issues such as your place of residence, your job, your family situation and your future plans. Even if you take the lead, they will try to evade it or try to turn it into a “not worth talking about” topic. 4. The other party doesn’t appreciate you Above, we mentioned the sign that “the other person never does anything for you”. However, in some cases, this is still acceptable if they show gratitude and appreciation for what you do. This may just be a sign of inattention. But underestimating and underestimating other people’s efforts is hard to accept. These can be “red alarms” that you need to be alert to reconsider your relationship. 5. The other person regularly criticizes your point of view They don’t take what you think seriously, even criticize and make fun of your choices. We all understand that each person has a different way of thinking and thinking about life. But people with insufficient respect will look down on your point just because it is different from them. This is also the source of all negative conflicts and quarrels. Don’t let unhealthy relationships keep you from expressing yourself, saying what you think. Believe that every point of view deserves to be heard and acknowledged. 6. The other person often ignores you Have you ever felt lonely and miserable because the “other half” is too cold? This is one of the signs that they do not have enough respect for you. Because someone who loves you will always try to cherish every moment with you. This is evident during the dating period, when the two of you cannot always be together. If your partner spends too much time with you on the phone, surfing the web or chatting with another person, don’t be foolish about trying to blame yourself. The problem is not because you are not attractive enough. Because a respectful person won’t “leave” you with the time that should be spent together. 7. The opponent always makes excuses for the mistakes No matter what you do wrong, people who don’t respect seem to have a good reason to protect themselves. They can’t make it in time because the car is broken, can’t remember the anniversary because the work is too busy, can not introduce you to your friends just because you are not attractive enough … It all becomes the reason that there, they are innocent people. It is your job to sympathize with the difficulties they face. In fact, they don’t care about your feelings and try to understand what you are thinking. Because they know you love them enough to be willing to accept. 8. The other person compares you to others This is exactly the worst sign of a disrespectful relationship. Each person has their own personality, their own strengths and weaknesses. One individual cannot be used as a measure of the evaluation of another individual. Someone who truly loves you, cherishes you will try to accept who you really are. They will love both your strengths and your shortcomings. They will want you to be yourself, not a copy of anyone. If the other person is constantly comparing and expecting you to be like someone else, frankly express his opinion and put an end to that disrespect.

Kristen Stewart always attracts the public’s attention thanks to her different style of dress, wearing a touch of menswear every time she appears. According to W Magazine, a rare beauty wears a shirt and combines the traditional style, she always knows how to show off her sexy figure at red carpet events. The actress prefers strong outfits with sturdy shoulder blades and a contrasting color-contrast bra-top. She accentuates her personality style by incorporating many large string necklaces. Makeup method by Kristen Stewart focuses on smoky eyes and bold eyebrows. The actress even received a bold comment from the audience by wearing an open-button suit, without a shirt or underwear to reveal her body in front of the photographer’s camera at the film launch event. Her short, straight hair also highlights her personality. Dressed in elegant Chanel outfits, Kristen Stewart shows off her charm by revealing buttons and adding a variety of long metallic necklaces. The neat bun helps the image of the beauty look sophisticated at the red carpet event. The actress rarely wears a shirt, the typical outfit is usually a jacket with large lapels, and sturdy shoulder padding. The colors on the Kristen Stewart sets are consistent in textures or materials. With elaborate patterned outfits, the actress often moderates her accessories and chooses only rings or bracelets that match the same sparkling sequin detail on the fabric. Movie actress Charlie’s Angels looks more personality when wearing a leather jacket and large necklace accessories at a film festival event. For a long time, Kristen Stewart has no longer been seen wearing feminine dresses in public. Kristen Stewart wore a mustard yellow suit and liberal variation with an off-shoulder wear, revealing striking white underwear. She is quite successful in erasing the feminine image of Bella in the movie Twilight. Movie star Charlie’s Angels often likes to wear a sexy bra-top. During her participation in the show Good Morning America, the actress wore a gray suit and lingerie made of leather in the same color. This item is designed to be daring cut, the vest part has a short design to reveal the slim shape of the beauty. Sometimes, Kristen Stewart also experimented with wearing a traditional shirt, but it was coordinated in a way that revealed the buttons, revealing the sexy lingerie inside. Actresses often choose male brogue shoes with a 5 cm high sole for a slimmer body.

Let me sleep well Let me go to the market to buy betel lime Buying lime at Quan and Cau markets Buy Bat Nhi betel nut, buy betel Hoi An Only to buy betel and areca to form the betel and areca dish of the women, but we have to go to three places to go to Quan market, Cau market to buy quickly, go through Bat Nhi Dien Ban to buy areca and then turn back to Hoi An to have green betel. So I just told about the long thunderstorm of the boat market and the demand for shopping of the Vietnamese people from the past so far is difficult to change. Going to the countryside market means right from the moment you enter the market gate, a few baskets with a few vegetables cut from the garden, a few dozen scrambled eggs in a nest, a little green green beans, a bit of smooth bitter vegetables has been the beginning of the idea of ​​buying. sell. Because those are the home grown items, or now say homemade food, each with a little and less copies. The country pork shopkeeper smiled brightly Buying these items, buyers like catching gifts, like being given favorite gifts. The bitter melon fruit, like it is not big enough, or the pickled fruit of the pass, promises the honestly grown vegetables of the mother in the countryside. That is the beginning of the market, going to the end of the market still does not stop choosing food, because everything is needed for the menu on the table even though it is too long. Hoi An chili sauce hot pot, soft high-rise cake, brown rice paper sandwiches but the section with only five fingers spread out, why not buy, simply because it is very compact, easy to carry, easy to carry … How many items in the idea are lurking around. Steamed fish, a special product found in remote markets The countryside market is a market in which you can freely fly with a variety of dishes and drinks as you wish. The most favorite is the markets near the river wharf. Hoi An is at the beginning of the market as the old town at the end of the river market, fresh and green seafood that you want, whatever you want, shrimp and fish, you like to buy. Going down from the city, Thanh Ha market likes, Thanh Ha Bridge is like an arc embracing the fresh river market in the countryside. The original capital for walking around the countryside is deeply rooted in every country. Coming to the country, in addition to the hobby of shopping at the supermarket often, going to farmer’s markets, the fair in the warm sunny season is also open regularly. Wild honey and grilled beeswax were found at the market in Laos – Bolaven plateau, southern Laos Residents in the area are very eager to go shopping at the farmers’ markets because there are many strange, local and local products that are very high, unlike anywhere else. Homemade cakes with hand-made yeast dough recipes, honey bottles that only look at them, I think of the grasslands of immense flowers. The warm, fresh milk, as if brought from the field out there with the lovely girls in scarf … The countryside market is not only associated with wet rice residents. The original nature in each person has a peasant bloodline that exists despite the world 5.0 or 10.0 …

Recently, Douyin became popular with a bunch of “money-saving strategies” videos about eating out of Haidilao. Some made homemade cold dishes, some made porridge, some made shouxi pot…

As a result, more and more people began to follow suit.

Just two days ago, a post on Xiaohongshu “Three people eat a Haidilao for a cup of milk tea” instantly became popular.

The person who posted said that he ordered four pot bottoms with clear water, half a vermicelli, a raw egg, and a bowl of rice. Fullness depends on bibimbap and complimentary fruits.

The blogger also said that out of good intentions, the waiter also presented steamed eggs to help get hot and sour noodles. But even so, the blogger still expressed disappointment with Haidilao after the meal, the service did not help with the children, and the attitude was not good and not positive. As soon as this post came out, netizens were angry:

20 yuan is not enough, still want someone to help see the child do hand care? Are you proud of taking such a small advantage? You still think the waiter’s attitude is not good? Li Shutong once said: “I don’t know what a gentleman is, but everything is willing to suffer; I don’t know what a villain is, but everything is a good advantage.”

It is said that face is not worth the money, but most of the reasons for losing the bottom are to gain growth, win success, and have a noble “lizi”, instead of following the villain and doing things that hurt others and selfish.

Only when you win back will you have real face, and that face will be worth it.

Otherwise, with no lining and no face, the road of life can only get narrower and narrower.

Compared with the face lost by eating Haidilao at 17 yuan, the latter is obviously more valuable and worthwhile.

I remembered that Luo Yonghao said in the “Talk Show Conference” that he had already paid off hundreds of millions of debts. People who used to scold him shamelessly began to admire him overnight.

People, don’t lose your face too cheaply.

It is an indispensable training course for children to grow up without taking a small advantage.

Only when parents agree with their words and deeds can children be the same. Parents don’t take advantage of it. Children will see it in their eyes and learn from their hearts when they know that they are grateful and rewarded.

There is a story in “Harvard Family Instructions”. A father took his two sons to watch a performance. He went to the ticket office and asked about the ticket price.

“5 coins for adults, 3 for children over 6 years old, and children under 6 years old are free.”

“These are my two sons, one is 3 years old, the other is 7 years old, and me.” Father said.

After buying the tickets, the conductor told the father half-jokingly–

“Actually, you could have saved 3 coins. If you said that the boss is not yet 6 years old, I would never see the truth.”

“Perhaps.” The father said seriously, looking at the two sons. “But, the children know for themselves that they remember this shameful thing all their lives.”

The essence of education is actually the self-cultivation of parents.

You can be the kind of person you want your child to be.

First, when you first buy a pan, pour water about 2/3 of the pan. After red, turn on the stove and cook the cake over high heat. Only cook until the water is evaporated and bubbly. After that, turn off the heat and pour the water away.

Use tissue to wipe away any remaining water in the pan.

You continue to put the pan on the stove, to low heat. Then, absorb some tissue with cooking oil and wipe all over the pan. Just do this for about 30 seconds to turn off the heat and let the pan cool.

Repeat wiping the pan with oil blotting paper 2 more times.

This way will make your non-stick pan more durable, comfortable to use without worrying about scratching or peeling.

Illustration.

Some note when using non-stick pan

Pour the oil into the pan before the pan is hot

Pouring oil into the pan is hot will make the non-stick layer easy to peel, toxic to the user as well as reduce the life of the pan.

Use cookware made of wood or heat resistant silicone

Absolutely do not use a metal spoon or spoon to stir food in a non-stick pan. This will make the surface of the pan easy to be scratched, and the poisons can easily be absorbed into the food, causing harm to the user.

Limit seasoning directly when using a pan

Spices such as fish sauce, salt will affect the non-stick layer of the pan. The surface of the pan is prone to pitting, damages the non-stick coating and reduces the life of the pan.

No need to use too much grease

Non-stick pan is used to prevent food from getting close to the pan, so when frying, women do not need to use too much grease, causing waste. In addition, a large amount of grease will increase the temperature when using the non-stick pan. Non-stick layer if heated at high temperature will easily peel off, affecting the life of the pan as well as the health of the user.

Her friend Phan Anh Thu

Appearing on the “courage podium”, her friend Phan Anh Thu (grade 4.2) shared a very touching story about her mother: “My mother is very busy with work, does not care about everything around” – The opening sentence surprised everyone.

She continued: “One day for my mother is two phones, she also holds her cell phone while she is sitting in the car, she also holds the phone to eat, comes home and takes her phone, and goes to bed with her phone.

My mother always has a phone next to me, doesn’t care about me at all. I always talk to my mother, she has only one sentence, “yes yeah yeah”.

And Anh Thu’s mother is so busy that, after dinner, she continues to work on two phones and on the computer.

Feeling hurt and pity when her mother is too focused on her work, Anh Thu asked: “Why are you always holding the phone and not caring about me?”.

Your mother Anh Thu

Listening to her daughter’s words, Anh Thu’s mother could not help but be moved: “Mom was quite surprised with your share. Girls know, being a parent, everyone loves their children and really wants to spend time caring for them, being with them, playing with them anytime, anywhere. Mum has been very busy the past time, and her work requires a lot of concentration to deal with.

I also want to educate my children that their parents are hardworking, hardworking, responsible for the job and must always be committed to it. Although I am busy with such a job, in any circumstances, every day, every hour I think about you and I devote all my love and attention to you ”.

Anh Thu’s mother said that, even though there were working days very late, she woke up early every morning at 5 to prepare to take her to school. And taking advantage of the time on the way to school, my mother tied Anh Thu’s hair, hands and feet.

“On that road, our mother and daughter also exchanged and shared many stories. Mom always asks me if studying is fun today? How are your school work and even stories you need to deal with immediately with your teacher, school, and friends, you will immediately contact her.

Or on weekends, if I have nothing to do, I still go to the bookstore with you. You can share all kinds of things, everything, even if you present a talk slide on the subsidiary, you are the first audience to vote or comment on your work.

So I think I have paid a lot of attention and considered you as a friend of mine ”.

Her friend felt deeply relieved when her mother spent less time with her

However, Anh Thu still feels pity because even when the mother and daughter spend time together, she always looks at the phone, seeming not to focus on the story.

Anh Thu’s mother is still very gentle, slowly explaining that her work is specific to the phone, so I hope her friend understands.

Because her mother is always so busy, she does not spend time playing with Anh Thu: “I asked her to play with me, she said she was very busy, she couldn’t play with me”. And while she waits for her mother to work, she plays by herself. But after that when she was done, she was tired and needed to rest.

Anh Thu’s mother was also deeply moved

“I am so sorry, daughter, I think that my concern is for you when I can, it is enough for you, but I don’t think it still makes you feel lonely. “, Anh Thu’s mother could not hold back tears.

“I will spend more time playing with you, I will think of ways to forcefully turn the laptop back or put the phone aside, how do you feel?”, Anh Thu’s mother addressed her daughter.

“I feel happy when you play with me, because I love you so much too. But you have to be the same with me “, tears now also started rolling down that girl.

In the end, the mother and daughter got to know each other better and gave each other a warm hug

After these brave words, my mother also understood Anh Thu’s feelings, and her friend also understood her mother’s feelings better. Despite the busy nature of her work, her mother always spends very little time with Anh Thu, trying to dedicate all the best to her beloved daughter.