There is a vision in the development of the insurance industry. Many consumers think that China’s insurance industry is a big pit . China’s insurance industry faces consumers with completely different attitudes. One part is people who are keen to insure themselves, and the other part is people who are not interested in insurance at all.

On the whole, people who are interested in insurance products still occupy a very small proportion. In the face of insurance products, most people’s attitudes are still relatively conservative.

In addition, the fact that middle-class families fell down a little bit without the help of insurance in the face of real disasters also warns us all the time: Do not buy insurance lightly.

Buying insurance means buying insurance clauses

Insurance is a kind of protection. Its original intention was to reduce the risks people face and to provide people with some effective protection when they face risk accidents. At the beginning of the development of the insurance industry, many insurance product designs were indeed very practical.

However, with the continuous development of society and the increasing diversification of consumer demand, there are more and more types of insurance products and more detailed divisions. In particular, the design of many insurance clauses is becoming more and more complicated, which makes people confused.

In order to reduce the pressure of life and provide an effective protection for themselves in the face of major diseases or accidents, many friends like to configure insurance for themselves and their family members, especially the middle class with a higher standard of living and a certain amount of savings. From serious illness medical treatment to weddings and funerals, as long as the financial conditions permit and the protection meets their needs, they will allocate an insurance for themselves.

But after buying insurance, can you really sit back and relax? The answer may disappoint many people.

Insurance is a long-term consumption process. Many people only see that people pay insurance premiums on time, but they don’t see the difficulty of applying for claims after paying insurance premiums. Money given to insurance companies has always been easy to get in and hard to get out. The fact that applications for claims have been repeatedly rejected all warn us of the importance of carefully reading the insurance clauses.

The design of insurance clauses is the standard that really tests the level of an insurance company. Whether we buy insurance is useful or not depends on whether the design of the insurance clause is reasonable.

Many friends are fooled when buying insurance because they do not understand the design of the insurance clauses and blindly believe that this insurance must be able to provide appropriate compensation in the event of an accident or illness. But at the stage of claim settlement, I realized that my situation could not meet the conditions of claim settlement.

There are “pits” everywhere in insurance, so you need to be cautious when applying for insurance

Among the various insurance products, there are many insurance products with practical protection functions. Whether you can buy practical and useful insurance products depends mainly on whether you can recognize the terms of the insurance products.

There are people who blindly insure high-priced premiums and high-priced insurance products, but they forget whether the protection content of the insurance truly meets their actual needs. Sometimes, under the brainwashing of insurance salesmen, people always equip themselves with many insurance products that are completely unusable. When the disaster comes, many people find that the hedging effect of insurance companies is minimal.

The fact that many middle-class families equipped with complete insurance products have difficulty in claim settlement and gradually collapsed in the face of huge expenditures, which deeply warns us not to buy insurance lightly! If you really want to buy insurance, you have to read the insurance clauses before deciding.

There is a coverage for insurance, which needs to be kept in mind by all consumers. There are various restrictions on the scope of compensation for insurance products. The more restrictive clauses, the more difficult it is to meet the standards for compensation in case of later emergencies.

Therefore, everyone should rectify a misunderstanding: buying insurance is not buying the nominal coverage of this insurance, but buying the detailed terms of this insurance. Especially for some medical insurances, it is best to consult your doctors and friends around you and ask whether the insurance clauses are valid. Sometimes people’s lives are gone to meet the claims standard, we really don’t need to buy.

Rational allocation of insurance

Having said that, despite the chaos in the insurance industry, the existence of “insurance” is reasonable. When everyone configures insurance, You must seriously think about your physical and economic conditions, and use this as a basis to configure suitable insurance products.

Nowadays, the business atmosphere of the insurance industry is becoming stronger and stronger, and the work performance of insurance salesmen is directly linked to the total amount of insurance products they sell. Under the pressure of survival in the industry and the company’s business incentive mechanism, insurance salesmen are trying all kinds of ways to increase their sales.

Noncommittal, this marketing model has effectively promoted the expansion of insurance companies’ business and customer groups, but it has also sacrificed the interests of many customers. After all, once the salesperson’s purpose of promotion changes from recommending the right products to the right people to completing the task, the group that ultimately bears the costs and losses becomes the majority of consumers.

therefore, If you want to improve the effectiveness of insurance, consumers must improve their self-discrimination ability . To reimburse minor illness medical treatment, minor surgery and medical expenses, it is enough to configure a simple medical insurance.

If the possibility of suffering from a major disease is high, then everyone may wish to configure a targeted critical illness insurance. If there is a history of cancer in the family, then everyone can also configure a targeted anti-cancer insurance for themselves accordingly.

In short, for middle-class families with small savings, the more insurance is not the better, nor is the higher the insurance, the better. Targeted insurance configuration method is the correct method.

summary:

We must treat the insurance industry with a rational attitude. Since it exists in this society, it must have its rationality. If our ordinary consumers want to effectively avoid the pit of insurance, the most direct and effective way is to improve their understanding of the insurance industry.

In today’s era of competition for commercial interests, how consumers protect their legitimate rights and interests is a matter of concern. If we blindly follow the wishes of insurance salesmen to configure insurance, it is inevitable that the insured company will squeeze the wool. Your own rights and interests need to be guarded by yourself. You can buy insurance, but everyone must remember: The insurance clause in black and white is the top priority we should pay attention to. !

1. Green tomatoes Ripe red tomatoes are delicious, but that doesn’t mean it’s unripe, you can still cook it temporarily. Because tomatoes when green contain large amounts of alkaloid elements. This substance only decreases and disappears when the tomatoes are ripe and red. So if you eat green tomatoes, the amount of alkaloids still there will cause poisoning. If it’s light, you’ll see “baby lily”, dizziness but severe can be life-threatening, so it’s better to “eat it” 2. Old pumpkin, keep for a long time Like potatoes, pumpkin is also a family favorite food, especially families with small children. However, pumpkin contains high sugar content. Moreover, if stored for a long time, it is easy to cause anaerobic respiration – fermentation and metamorphosis inside the fruit, so eating is not good for health. 3. Gourd, bitter squash In the summer, if you have a delicious soup with gourd and cooked shrimp, it will not take long to run out of rice. However, there are some gourds and squash that taste bitter when ingested, which is an alkaloid toxin such as cucurbitacin and cucurbitin B. If you eat it, the body will show symptoms such as abdominal pain, diarrhea, vomiting and diarrhea. Other, more severe reactions can cause body spasms, even death. So to be safe, before processing, you should dip a small piece of gourd and squash on the tip of your tongue first to feel the taste. If you feel bitter, leave immediately and always, but don’t regret it. 4. Sprouted Potatoes This is also a familiar food, every family eats and loves it because it is easy to prepare and good for health. But eat whatever you want, you should stay away from sprouted potatoes, but don’t regret cutting them off and cooking them with all kinds of stir-fries. Because during the sprouting process, the inside of potatoes produces a lot of solanin. If you eat a lot of this substance into the body, it can cause food poisoning. Eating regularly if there is no immediate poisoning, but in the long run, it will accumulate, increasing the risk of cancer. So better, sprouted potatoes are only planted for “green” home. 5. Pickles are still green This sour dish ensures that everyone’s tray of rice is not lacking, and every family is fascinated by eating “not the right form”. Salt cooked yellow or salt, green, are very easy to eat. But in fact, eating too much pickle is not good, but eating it when it is green, has a pungent taste, it is not good. Because the green melon is easy to contain a lot of nitrosamines, a compound that can cause cancer. You should only eat melon when it has turned bright yellow, sour, crispy, fragrant and no matter how much you crave, you should still sip a little to protect your health.

Prepare suitcases to go Every trip I prepare a check-in suitcase including clothes, accessories, milk … Besides, I prepare a carry-on suitcase of baby items for use on the plane as clothes that can be changed if dirty or hot, toys, crayons, travel bedding, hungry milk and candies, and a battery-filled phone for your baby to watch fussy cartoons. Moving on the island Small groups of 4-7 people can choose from 2 modes of transportation such as booking Grab or rent a package. If I move to nearby places, I will call Grab. Renting a car package, I feel more convenient when traveling with the baby because it can be stored in the car and do not have to wait. The price ranges from 600,000 to 1 million dong / day. Your family should arrange the schedule with the driver for a good price. Place of stay I experienced from homestay to resort. Here are 4 places to stay. April 4 Homestay : This location is located in the center of Duong Dong. The homestay has a unique sand yard, swing slide, large swimming pool … In the morning, the baby gets up playing sand right in front of the room. The downside is that there will be sand in the room, so some people don’t like it. The price is about 500,000 VND / night. Lotus homes : Located in Ham Ninh fishing village, the price for 1 night is about 1.8 million VND. This area is a villa on the sea, beautiful and unique. Each room is designed with enough kitchens, bathtubs, outdoor mesh beds, stairs to the sea … I find this villa more suitable for couples than families with small children. Around this place is a fishing village, so spoiled for eating fresh seafood. Fusion Resort is my favorite resort. Vinpearl Phu Quoc : I order a combo of 2.9 million VND / 3 days 2 nights / person. This price includes 3 meals a day and unlimited fun at Vin Safari and VinWonder. The hotel design is nothing unique, but I find it convenient to go with children. The babies will be able to play comfortably all day without spending extra money. The area provides tram shuttle. The family is allowed to borrow a stroller for free. Fusion Resort : I go urgently so I book a room with a fairly high fee of 3.3 million VND / 3 days 2 nights / person. This is my favorite resort in the resort locations. From design to service are okay, especially the resort serves breakfast at the swimming pool. Unique play spot Vin Safari or VinWonder : If traveling with the baby, families should come here. My baby went to 2 times but always wanted to come back. These two locations are quite large, so if you want to explore them all, each area will take a day. Because I don’t have much time, I go to Vin Safari in the morning and go to VinWonder in the afternoon. Going out with children, parents need to prepare a stroller, filtered water, an umbrella or a sun hat. Bai Sao : This site is famous for its fine sand and clear seawater. I spent all day playing here and still regretted when I got back. Rach Vem : Located in the North of the island, about 25 km from Duong Dong town, it is known as the “kingdom of starfish”. It rained the day I went, so the water was cloudy and many branches of the trees drifted ashore, not as clean as usual. Ocsen bar is quite crowded, so taking nice pictures is not easy. Hon Thom cable car : Starting from An Thoi station, you will pass Hon Dua, Hon Roi and end at Hon Thom. On the cable car journey, your family will enjoy the majestic, pristine nature of the tropical paradise south of the pearl island. Watching sunset at Ocsen bar : Personally, I do not like this place because it is too crowded and had to squeeze each other to take pictures. Smaller sand beach than I imagined. Employees are not professional and enthusiastic. Dining places must try On the rock restaurant : This is the place to watch the sunset that I find the most beautiful in Phu Quoc. The mother and daughter are not here, but set the table at 17:30 to watch the sunset. I find the tables of the restaurant are too close together, so it is difficult to take beautiful photos at sunset because of the large number of customers. The staff here are overloaded during peak hours, so everyone’s face is nervous. For dinner, I order pizza 4 cheese, salad, grilled ribs, fried seafood, fried water spinach, french fries, white rice. The food was delicious, but there were no special delicious dishes for me to recommend to everyone. Seafood Tinh Bien : This is a place for your family that should not be missed because fresh seafood is selected on the spot. Enthusiastic staff, delicious food and fast food. Seafood meal for 3 adults and 3 babies costs about 1 million VND. Giraffe Restaurant in Safari : The dining table is next to the giraffe area, so the kids love it. Just sitting and resting for lunch, the children have more time to play. The food I don’t feel is delicious. On the rock restaurant is the most beautiful place to watch the sunset in Phu Quoc. Vermicelli stirring Kien Xet : The shop has both fresh noodles and rolls. A bowl of fish cakes, shrimp rolls and squid. You can order more beef, but I don’t think it is suitable. Shrimp and squid pies are not already cooked. The seller will squeeze the bowl into the bowl then fill the bowl with boiling water to make it ripe, so it is still sweet. The shop is close to the night market so everyone is convenient to go out. The downside of this location is quite hot and squash. Buffet at Vinpearl Golf : This place will be for those interested when buying a package voucher at Vinpearl. Food variety from Asia to Europe. The restaurant has a food court for babies with porridge, small food … The menu changes by day, in the evening there is an outdoor barbecue area. In general, I think that if I just need to rest, the combo in Vinpearl is very reasonable. Do you have a trip this summer yet? Please share with us about the schedule, costs and beautiful pictures at: lifestyle@zing.vn The articles will be edited and published in the Zing Travel column.

These days, when the Covid-19 epidemic is complicated and need to limit going out to prevent epidemics, Ms. Nguyen Thu Ha (office worker, living in Hanoi) has a habit of buying and storing food. once a week. Ms. Thu Ha shared: Usually she only goes to the market once a week on weekends. The amount of food each time she buys just enough for 7-10 days to ensure quality. According to the mother of these two children, if applying the way she is doing, the days when she comes home from work, cooking becomes idle only takes 15-20 minutes. Ms. Nguyen Thu Ha said that preliminarily processing and packing into separate boxes helps you save time when cooking. With her blood and blood experience in the first time, she did not process much, sometimes only wash and put a pound of meat in the freezer, until she only took 1 pound of meat to cook for 1 meal to see the suffering. After changing “tactics”, she began to prepare food, cut into pieces enough for one meal and then divided into small trays and boxes. Here are some food preservation tips that Ms. Ha has applied to both cook and keep the freshness, deliciousness, and ensure the food safety of the food. For sliced ​​or chopped foods (ground meat, chicken heart, oyster gut …) Ms. Ha shared that she often went to the supermarket to buy clean food and then put it in an ice tray with a lid, which helps to preserve the food in each box, easy to take, and quickly defrost. If 1 person eats 1 umbrella, 3 people can eat 3-4 plots, depending on need. For scallions, tomatoes Onions are seasoning vegetables used regularly in the meals of Mrs. Ha’s family. Wash onions, flake or roast all the water, cut into pieces or shred them into a bowl, drop the onions in boiling water. Very convenient and there will be onions at all times. With tomatoes, too, she often buys a lot and after cleaning and removing the damaged part, she chooses the areca piece to keep it in the tray in the freezer. Root onions you can plug into a bowl of water to have more fresh onions Tomato is a difficult food to preserve, but Ms. Ha is very confident with how not to spoil tomatoes. She often buys a lot, washed and cut off the damaged part, sliced ​​the areca nut and put it in the tray to prevent freezer. For fish meat: Rinse, drain, place in a tray and put in freezer. For leafy vegetables: N If you wash it, you must rotate it to drain it for a long time. If it doesn’t drain, the vegetables will quickly get boots. Lettuce should be washed and dried for 5 days. Small food in freezer. What to do if the container is large and has a small meal every meal? Use foil to prevent food layers, this prevents food from sticking together, and thinly spread foods also thaw faster. Separating the 2 layers of meat with foil prevents the meat from sticking to each other. The way to do it is very simple: Put the food in the box, spread 1 layer of foil, place the second layer of food, then put foil again, and do so until the box is full. Or you can replace foil with banana leaves, that will better protect the environment. Choose good food containers According to Ms. Ha, in order to preserve food well, fresh for a long time, the food containers must be really good. Should use a storage box suitable for the freezer. There are several types of high-end plastic containers, which when storing frozen food, are easy to remove, but the food does not stick to the side of the box. The sealed box has both good preservation and no mixed smell in the refrigerator, for 7-10 days for vegetables, and still fresh for 20 days of fruits.

Parents, how old is your child? Have you ever had a headache for your child’s homework?

There is a neighbor upstairs in my house. The mother and the child have been in harmony before the child went to elementary school, and they have been peaceful for years. But when the child enters elementary school, he will hear humming and crying from the upper floor from time to time in the evening. Talking to the neighbor, she always said that it was because of the child’s homework.

Sure enough, when my baby went to elementary school, I also encountered the same situation as my neighbor, worrying about the child’s homework every day. If you enroll your child for extracurricular classes after school in the afternoon, and wait to go home in the evening, the homework should basically be written until 9 to 10 o’clock.

Fortunately, the school we go to is a public elementary school. After a semester is not finished, some parents complained that there was too much homework and that the child went to bed too late after finishing his homework. So the class held a parent meeting, and the teacher came up with such a countermeasure at the meeting: if the parents feel that the teacher assigns too much homework, they don’t have to finish writing it, just sleep at some point. The teacher will not criticize the children who have not finished their homework the next day. Everything depends on self-consciousness.

This time the parent group exploded. Some parents applauded this, saying that this is not equivalent to reducing the burden on their children? What a good thing. Other parents put on a “vigilant” expression, which is intriguing.

On the surface, the school’s introduction of such a policy is indeed reducing the burden on students. But whether such a policy is a disadvantage or a benefit to parents is not necessarily true.

The burden of homework is reduced, and the impact on the family is polarized

A parent who is the principal of a high school told me that such a burden reduction policy actually makes poor students worse and good students better. I deeply agree.

Some parents who can’t finish their homework think that if they don’t emphasize that the homework must be completed, the child will not have so much pressure to study, and the student’s life will be easier. This is a good thing. In fact, whether this matter is good or bad depends on the parents.

If the parents themselves have no time and no intention to exert effort in family education, their daily duty is to supervise the children to complete the homework, then this homework burden reduction policy may seem beneficial to them, but it actually affects the children’s follow-up learning.

The homework is a reflection of the mastery of the learning content of the day. Some students procrastinated because they had difficulty doing homework, originally because they didn’t have a firm grasp of the content. If there is no pressure of “the teacher will check tomorrow”, they will probably not do it altogether. Coupled with parental neglect, It is possible that more and more content that children do not know, parents will not be able to find out, which will make subsequent learning more difficult for children.

For parents who value family education, they do not have to complete the homework of the day, so that they have the right to choose the content of the homework. For repetitive homework that the child has already mastered, they can not write, so the time saved can be Used to do many things.

For example, to check the deficiencies of the child, or to strengthen the child’s ability in certain aspects, or even use it for more extensive reading, logical thinking training, and so on.

In this way, all the homework is also not completed. Some children spend the time saved by their parents for crazy fun, while some children get targeted “extra meals” and “small stoves” by their parents. , Over time, the gap between these two types of children becomes even greater.

It is precisely because of the different thinking consciousness and cognition of the two types of parents that two different reactions were caused when the school “homework load reduction” policy was issued.

At the elementary level, the gap between children actually reflects the gap between families, and is more reflected in the level of consciousness. Families that value education will not easily applaud and cheer on the various seemingly “burden reduction” actions launched by schools and society. On the contrary, they will be more vigilant and consider more carefully the long-term impact of such measures. Adjust your own chicken baby rhythm.

After all, studying at school seems to be fighting children, but it is actually fighting the parents themselves.

[TopicDiscussion:Whatisyouropiniononreducingtheburdenonhomework?Welcometoshare】

Senior nursery teacher, psychological counselor, author of original parenting comics. Welcome to pay attention to[Parenting Cheats]. You can find the answers here for all the parenting care, growth and development, family education, and mental health you want to know!