List of listed life insurance companies’ life insurance transformation

Where does the increased premium come from?
List of listed life insurance companies’ life insurance transformation

Listed insurance companies are currently at different stages of development.

  Han Renfei Photo Source: Vision China Since the policy guidance of “Return to Insurance Guarantee” was put forward in 2016, life insurance companies have generally begun the transition to return to guarantee.

This is reflected in the addition of an insurance channel business, expansion of the bancassurance channel business, and optimization of the premium structure to improve business quality.

  From this perspective, listed insurers are currently at different stages of development. Some listed insurers have realized that the quality of their business has now been successfully transformed. Some listed insurers have sharply optimized their premium structure in recent years, while others should adopt policies.The call has just begun and there is still a long way to go.

  At present, CPIC (601601.

SH), Ping An of China (601318.

SH), China Life (601628.

SH), People’s Insurance Group of China (01339.

HK), China Taiping (00966.

HK) and Xinhua Insurance (601336.

(SH) Six listed insurers own life insurance business. Interface News sorted out the premium structure of these six companies, as shown in the table above.

  From the perspective of the proportion of business in each channel, in addition to PICC, the other five listed insurance companies use individual insurance channels as the main source of premium income.

Among them, CPIC’s individual insurance channels accounted for the highest proportion, reaching 87.

8%.

“China Pacific Insurance is probably the first company in the industry to transition to various risks. After 2011, the company started a strategic transformation, proactively abandoning low-value bancassurance business and concentrating resources to lay out high-value individual insurance business.” Industry observers analyzeThe company completed 1 last year.

The 0 transformation is the enterprise with the highest proportion of insurance channels in the industry, and the quality of business has fundamentally changed.

  Ping An also accounts for more than 80% of the individual insurance channels. The insurance channel achieved 404.9 billion yuan in premium income, accounting for 85.

09%.

“Ping An of China is also an insurance company with the highest income in the 南京桑拿网 insurance channel, even surpassing China Life, the leading life insurance company,” said the above observers. This is due to the company’s stable growth in manpower in recent years, while its production capacity and revenue have steadily increased.

  Xinhua Insurance, which has transformed in the past two years, has made great progress in optimizing its premium structure last year. The company ‘s individual insurance channel business accounted for 79%.

96%, realized premium income of nearly 87.4 billion yuan.

“The basic transformation of the business structure has been completed. The introduction of the business rhythm phenomenon introduced by premiums will gradually increase the pressure on subsequent cash flows.

“Tianfeng Securities said.

  China Life Insurance and China Taiping’s individual insurance channels accounted 北京夜网 for more than 60%. They are considered as the third echelon of listed insurance companies. With the first echelon of China Pacific Insurance and China Ping An as a reference, there is still much room for optimization.

China Life’s business structure is in a state of slow adjustment. Last year, each insurance channel realized a premium income of 353.7 billion yuan, accounting for 69.

08%.

China Taiping has accelerated the expansion of its insurance team in the past three years, and has now become the largest source of revenue. In the future, the company will continue to optimize the quality of its business and increase the proportion of long-term savings businesses.

  In terms of growth rate, the average income of individual insurance channels of listed insurance companies has maintained a growth rate of more than 10% for ten years.

The growth rate is China Pacific Insurance, which has the highest proportion of insurance channels, with an annual increase of 33.

6%; followed by rising star China Taiping, reaching 31.

88%; Ping An of China, the growth rate of an insurance channel of China Life is more than 25%; the growth rate of Xinhua Insurance and China Life Insurance’s individual insurance channel is relatively 20%.

  In contrast, listed insurance companies are generally reducing their banking and insurance channel business.

The bancassurance channel is suitable for the sales of universal insurance and savings products. The reduction in the proportion of bancassurance channels also means that listed insurance companies have shifted their sales focus to the protection products of individual insurance channels, which is more in line with the function of insurance protection.

In terms of percentage, Ping An’s bancassurance channel business accounted for the lowest proportion, only 3.
.

12%.
In fact, it is the same figure of CPIC at the same time, and the proportion of other channel businesses including the bancassurance channel is 9.
03%.

And China Life and China Taiping Bank Insurance channel business income is still the company’s second largest business source, accounting for 20% to 30%.

PICC’s transformation started later, with the proportion of bancassurance channels reaching 49.

69%, still the company’s largest source of business.

  In terms of growth rate, Xinhua Insurance cut its bancassurance the most last year, and its bancassurance channel business income gradually decreased by 47.

2%.

CPIC, Ping An and PICC are in the second place, and are slowly compressing their bancassurance business, with an average horizontal width of about 10%.

And China Life and China Taiping’s bancassurance channel business still maintained positive growth.

  In addition, China Life, Ping An and China Taiping also disclosed data on the power grid sales channels. China Ping An Power Grid sales and other channel businesses eventually achieved a premium income of 358.

4.5 billion, an annual increase of 60.

69% was accelerated in all channels, accounting for 7%.

53%.

China Life’s other channel businesses including grid sales and critical illness insurance business achieved premium income of 185.

USD 8.6 billion, an increase of 22 per year.

35%, accounting for 3.

63%.

And China Taiping’s diversified sales (mainly telemarketing) achieved a premium income of 272.

300 million US dollars, an annual increase of 23.

36% is the company’s second fastest growing business.

  Although listed insurers are actively transforming and adjusting their business structures, China Pacific Insurance, China Ping An has begun early and has now completed the transformation, and has now reached the stage of further improving the quality of its business. In recent years, Xinhua Insurance has determined to rapidly adjust its business structure.PICC is still in the process of slow adjustment.

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05% advance receipts increased by 68%

Tiandi Yihao (832898): The leader in vinegar beverage sales in 2019H1 is 27.

05% advance receipts increased by 68%

Event: The company released its semi-annual report for 2019 and realized total operating income7.

660,000 yuan, 28 a year ago.

96%; realized net profit attributable to mother-821.

440,000 yuan each year -357.

twenty one%.

Based on the company’s existing total share capital of 428,800,000 shares, 6 shares will be distributed to all shareholders for every 10 shares.

RMB 50 cash.

Leading company in vinegar beverages, creating a platform for incubating diversified healthy specialty beverage brands: The company is a value digger and brand operator of Chinese-style cutting-edge healthy beverage products.Co., Ltd., Jiangxi Tiandi No. 1 Beverage Co., Ltd. and more than ten wholly-owned subsidiaries, including Jiangmen Intelligent Production Base, Jiangxi Production Base and other six bases, covering South China, East China, North China and Middle China, areLeading Enterprise.

The company mainly develops through two methods of dealer distribution and direct sales.

Continuous investment in scientific research, the company now has 73 national patents, including 13 invention patents, 31 utility model patents, 29 appearance patents.

Increase marketing efforts to effectively develop markets in and outside the province: In the first half of 2019, the company supported the company’s brand, marketing channels, and technological advantages, strengthened marketing efforts, increased product promotion and market expansion, and the main products were canned apple cider vinegar.Income grows 84 per year.

41%, the revenue of bottled apple cider vinegar increases by 0 every year.

93%.

The company expands marketing personnel, market expenses, and sales expenses for H1 2019 will increase by 36 each year.

73%, driving a 27% increase in total product tonnage.

05%.

Among them, the revenue of traditional markets increased by 25 compared with the same period last year.

31%, the income of Beituo Province increased by 49 compared with the same period last year.

63%.

In the first half of 2019, the total revenue of the company’s Jiangxi, Hubei, Hunan, and Fujian increased by approximately 53 compared with 杭州夜网 the same period last year.

88%.

Continue to incubate new products and adhere to multi-category operations: In order to meet the changing consumer experience needs of consumers, the company has successively developed health drinks such as Bama One and launched a market trial of high-concentration fruit juice “Bai Guo Yi”. At the same time, in order to cater to modernThe society has a low-sugar and healthy diet demand. The company has carried out research and development of low-sugar apple cider vinegar beverages. At present, the product development is progressing smoothly, and the beverage taste and indicators have reached expectations.

R & D expenses for 2018H1 were 2317.

870,000 yuan.

2019H1 advance payment 4.

0.9 billion (+68.

31%), the cash flow gradually improved: the company started from the initial single product operation (aged vinegar beverage), and gradually developed into a multi-category operation (aged vinegar beverage + apple cider vinegar beverage), and explored the development of a multi-brand operation model (Tiandi Yihao + Others)Brand), orderly layout of the national market.

Relying on its strong “point-to-point” offline marketing planning capabilities and downstream channel control capabilities, it actively explores other regional markets and transforms Tiandi One into a national beverage brand replacement.

In the first half of 2019, the company continued to adhere to consumer demand-oriented, promote consumption in the form of festival promotions, scene promotion, etc., expanded the promotion of dining terminal channels and restaurant promotions, deepened the province’s market, accelerated the expansion of overseas expansion, and promoted stable growth in performance.Among them, the revenue of 2019H1 increased by 28.

96%, advance payment for 2019H1 is 4.

09 million yuan, an increase of 68 in ten years.

31%.

Operating net cash flow from -4 in 2018H1.

21 trillion rebounded to -3 in 2019H1.

67 trillion, cash flow gradually improved.

The company’s overall operation is stable, and indicators such as accounts receivable and asset turnover rate remain stable, of which only 4370 accounts receivable in 2019H1.08 million yuan, 15 accounts receivable turnover.

07, little change in one year; and the company basically has no bad debt losses, mostly negative, 2019H1 is only -83.

610,000 yuan.

In addition, the company’s inventory turnover rate, asset turnover rate and other indicators remained stable overall.

The company maintains a stable and stable dividend every year, and will pay 6 for every 10 shares in the semi-annual report of 2019.

5 yuan: The company’s 2019 semi-annual report on equity distribution plan is “based on the existing total share capital of 428,800,000 shares, the distribution of 6 to every 10 shares for all shareholders.

50 yuan in cash “, a total of 277.87 million yuan was distributed.

It supplements the 3001 annual dividend for 2018.

60,000 yuan, the total dividends reached 3.

088 megabytes, corresponding to the current budget, cash dividends reset7.

05%.

It is planned to invest 8 billion US dollars in construction projects, all of which are expected to achieve an annual output value of 1 billion US dollars: According to the company’s announcement, the company plans to sign a Suixi Industrial Park project investment agreement with the Suixi County People’s Government.Suixi Industrial Park Project.

According to the agreement, the company is responsible for the construction investment of Suixi Industrial Park project, and the Suixi County People’s Government provides the company with full service before the project is completed.

The Suixi Industrial Park project will serve as an important production base for the company’s vinegar beverage series and other beverages in the western Guangdong region. The production products will cover Hainan, Guangxi, Hunan and western Guangdong.

After the two phases of the project are completed and put into operation, it is expected to achieve an annual output value of 1 billion US dollars, which will enhance the company’s performance in the future.

Investment suggestion: As of the latest, the company’s market size is 43.

820,000 yuan, corresponding to PE (TTM) 13X.

Indicators such as the company’s advance receipts warmed up and maintained stable dividends. At present, the sales market has expanded slightly.

We recommend paying attention.

Risk reminders: risks to food quality and safety, consumer preferences, and risks of changes in consumption patterns

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Guanglianda (002410) 2019 Interim Report Review: Cloud Conversion Rate Significantly Improves Construction Business Integration Effect Gradually Appears

Core point of view We believe that the cloudization of the company’s costing business has accelerated and progressed smoothly.

Construction business is the main growth point in the future. The new generation of construction products released this year will help increase the growth rate of construction business revenue.

   The company’s semi-annual report for 2019 has been released: it has achieved total operating revenue of 13.

79.8 billion, previously + 29%; operating profit 1.

280,000 yuan, -20% for ten years; net profit attributable to mother is 89.54 million yuan, -39 for ten years.

13%.

Balance of advance receipts related to cloud products6.

7.2 billion.

Cost business + 28% per year, construction business + 33% per year.

   The cost-to-cloud business is progressing smoothly, and the cloud conversion rate in newly added regions has increased significantly.

We believe that the main reason for purchasing new versions is due to the upgrade of computing product functions and the updating of project lists.

  1) After the increase in the value of advance receipts is restored, the income has increased rapidly, and the net profit has returned to normal and increased: total operating income.

38 ppm, + 37% per year, of which the cost business income is 12.

2.6 billion, + 39%.

The return of net profit to mother (assuming a deduction of 10%) is about 3.

200 million, + 24%.

  2) Cloud contract value and cloud revenue grow rapidly each year: the company’s new cloud contract value in the first half of the year was 6.

29 ‰, an increase of 151% in ten years; cloud revenue 3.

At the end of 71, the annual increase was 197%, and the proportion of cloud revenue to total operating income was 12 from the end of 2018.

7% to 26.

9%.

  3) The conversion rate of new cloud transformation regions increased this year: The comprehensive conversion rates of advanced pricing products and calculated product users in the new transition market were 31% and 45% respectively, and in the new transition regions of the same period last year were 20% and 27%,In half a year, the calculated product conversion rate is close to the level of last year (the conversion rate in the last ten years was 50%).

   The growth of construction business income accelerated, and the number of new customers and new projects increased rapidly.

  1) In the first half of the year, there were 716 new corporate customers, + 83% each year; 4,870 new projects, + 80%.

Revenue from construction business in the first half of the year2.

900 million, + 22%.

Q2 single-quarter construction business revenue grew 38% per year, higher than the 23% in the first quarter.

The effects of digital construction business integration gradually emerged.

  2) Gross profit margin of construction business 82.

8%, a year-on-year decrease of 7 percentage points, mainly due to the increase in raw material costs. We judge that the combination of soft and hard smart construction site solutions in the first half of the year was even more popular.

  3) High initial growth in construction business: The company announced the “BIM + Smart Construction Site” platform in early July, which is an important step for the company to transform to a platform-based manufacturer.

At the same time, the company gradually launched the “platform + module” sales method, with more flexible sales, which can improve customer coverage and project penetration 四川耍耍网 among individual customers.

   During the period, the expense ratio increased by 3.

4pct, expected maximum cost pressure.

We expect that the new expenses this year will be: 1) A new round of distribution incentives has been launched since 2018Q4, and it is estimated that the newly increased expenses will be amortized about 53 million; 2) Selling expenses will grow rapidly, and the selling expenses will increase 42% in the first half of the year, and the expense ratio will decreaseThe improvement of 3pcts was mainly due to the company’s vigorous expansion of the construction business, the need to expand marketing service personnel, and provide management consulting and training to customers to improve product utilization.

Last year, the company’s personnel increased rapidly, and the cost burden began to appear from the first half of this year.

   Risk factors: The construction industry enters a downward cycle; cloudification conversion rate and renewal rate are lower than expected; the project cost policy is not advanced as expected; and new business market competition is intensified.

   Investment suggestion: Maintain revenue forecast for 2019-202135.30/42.

00/51.

62 trillion, maintaining 2019-2021 net profit forecast3.

83/5.

04/8.

45 trillion, the corresponding EPS prediction is 0.

34/0.

45/0.

75 yuan, corresponding to PE is 102/77 / 46X.

Target price of 40 yuan, maintain “Buy” rating

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Poly Real Estate (600048) Quarterly Report Comment: Performance Growth Meets Expected Financing Advantages Continually Highlighted

Event: The company achieved operating income of 1117 in the first three quarters of 2019.

90,000 yuan, an increase of 17 in ten years.

77%, net profit attributable to mother is 128.

30,000 yuan, an annual increase of 34.

08%, the net profit of non-attributed mothers was 122.

590,000 yuan, an increase of 37 in ten years.

21%, achieving basic benefits1.

08 yuan, an annual increase of 32.

9%.

Growth in performance, gross profit margin, and increase in the proportion of return to equity increased the company’s operating income in the first three quarters of 2019 to 1,117.

90,000 yuan, an increase of 17 in ten years.

77%, a decrease from the first three quarters of 20187.

88 units.

Realized net profit attributable to mother 128.

30,000 yuan, an annual increase of 34.

1%, an increase of 18 over the first three quarters of 2018.

4 units.

The gross profit margin of the project carried forward by the company in the first three quarters of 2019 was 35.

9%, increase by 3.
.

19 PCTs, with a carry forward net interest rate of 15.

7%, increase by 1 every year.

49PCT, the proportion of equity attributable to mother 73.

1%, an increase of 2 per year.

2 PCTs, which is an increase of 0 from the end of the year.

8 PCT.

In 18 and 19, the company’s land acquisition interest continued to increase. It is expected that the company’s expected equity ratio is expected to maintain a decline in sales growth rate. Land acquisition enthusiasm continues to rise.However, it still maintained stable growth: from January to September 2019, the company achieved sales of 3467.

7.3 billion, a ten-year growth rate of 14.

2%, with a slight forecast, achieving a sales area of 2293.

780,000 countries, a year-on-year growth rate of 13.

29%, gradually selling average price 1.

510,000 yuan / square meter, maintaining high stability.

2) In January-September 2019, the company gradually increased its capacity and capacity to 1,576.

760,000 countries, a decrease of 35 per year.

79%, a significant increase over the first half of the month, with a land sales ratio of 0.

29, indicating that the company’s enthusiasm for land acquisition has increased year by year. It is expected that as the land market premium rate drops, the company’s enthusiasm for land acquisition will be higher or higher.

However, the company’s average land price in 17 years exceeded the growth of 21%, or it may have an impact on the subsequent settlement of the gross profit margin.

Leverage levels have declined steadily. Cash in hand is extremely plentiful. In the first half of the year, the company’s leverage levels decreased steadily, and financing advantages continued to be apparent.
The company’s 北京夜网 asset-liability ratio is 79.
64%, basically stable; net rejection rate was 82.

3%, down 19 from the previous month.

2 averages, carrying interest denied 2758.

900 million yuan.

Strengthened cash management and control, covering multiples of short cash debts up to 2.

33.

As of the first three quarters of 2019, the company realized operating net cash inflows of 92.

200 million; currency in hand 1125.

7 trillion, cash / short debt coverage multiples reached 2.

33, compared with 2 at the end of 2018.

33 was flat.

Investment suggestion: The company’s reported revenue and net profit attributable to the company will increase, mainly due to the company’s completion rhythm, settlement gross profit, and the proportion of equity has increased significantly. It is expected to gradually decompose and accelerate the maintenance of equity.It has outstanding 北京夜网 performance, high enthusiasm for land acquisition, sufficient land reserves in hand, sufficient for development in the next 2-3 years, and has resource advantages to provide support for future performance. The company has a stable debt level, abundant cash on hand, and financing costsThe budget and financial indicators are excellent, and the financing advantage continues to stand out. In addition, the property sector is in the progress of the IPO of the Hong Kong Stock Exchange. After listing, it will have a long-term boost to the estimate.

Although the company’s land acquisition costs may increase in 2017, the company’s carry-over performance has accelerated significantly. We estimate that the company’s net profit attributable to its mothers will be 250 in 19-20.

26 ppm / 297.

21 trillion, corresponding to 2 EPS.

1 yuan / 2.

5 yuan, corresponding to PE is 7.

40 times, 6.

23X.

Maintain “Buy” rating.

Risk warning: Sales growth is slower than expected, housing prices have fallen sharply, and Poly property IPOs have gradually fallen short of expectations

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12 animal spirits to apply for a job

The correct view of work is like a beacon on the road of life. It will not only guide you in the right direction, but also create rich resources for your personal career.

In the following, the spirit of 12 animals is used as a metaphor, and different views of work can be seen on them.

  First, due diligence shepherd dog: The most stigma of the new human being is the lack of responsibility. As a newcomer, learn to establish a responsible concept and become a supervisor. Colleagues think that bitch can be taught.

With a mentality of doing more and learning more, you will soon enter the state.

  Second, the bees of solidarity and cooperation: When newcomers enter the company, they often do not know how to use the power of the team to complete the work.

Today’s companies are very particular about team work. This includes not only seeking resources through the team, but also actively helping others and taking pride in the group.

  Third, perseverance and perseverance: Because the newcomer is still uncertain about their life, they often do not know what they will do in the future.

Setting goals is the homework first, and then moving forward with perseverance.

Of course, you should stop and observe the results on the way, but most of the people who change are not able to achieve anything.

  Fourth, the ambitious Hongyan: Too many young people give up the challenges that may create prospects because they want to relax for a while.

Always encourage yourself to set your goals far away.

  Fifth, the eagle with sharp eyes: the newcomer must first learn to distinguish right from wrong, and understand the current situation carefully.

Accepting instructions irrespective of right or wrong will be more effective and less appreciated and encouraged.

  Six, down-to-earth elephants: Elephants walk very slowly, but step by step, accumulating progressive strength.

The newcomers must not talk wildly, but they cannot end one by one.

A down-to-earth person will make others feel safe and willing to turn more responsibility into you.

  Seven, the camel who bears humiliation: Work pressure and interpersonal relationships are often the burden that newcomers cannot bear.

There is a long way to go in life. Only by learning the spirit of camel bearing weight can we reach the end safely.

  8. Strictly punctual rooster: Many people do not have the concept of time, they are late for work, they cannot deliver on time, and so on, all are the consequences of not having the concept of time.

Time is cost. The concept of time cost in the newcomer period will help improve work efficiency in future promotion.

  Nine, Thanksgiving Goat: You can learn from others’ experience like a sponge, but the workplace is not a cram school, and no one has the obligation to teach you how to get the job done.

Learning the spirit of goats’ nurturing, and having a heart of gratitude, will make work happier.

  Ten, bravely challenged the lion: For big cases, new cases are brave to undertake, the best practice for newcomers.

If you have the opportunity, you should bravely challenge impossible tasks and have accumulated experience that others cannot get. The next promotion may be you.

  Eleven, the resourceful monkey: Sometimes the process at work is always the same. The advantage of newcomers is that they do not understand existing methods, but can create new ideas and ideas.

Accepting the delivery of work blindly, we can only learn the skin of working methods, and those who can think about contingency will learn the essence of methods.

  Twelve, dolphin: always ask myself: what should I do if I am the supervisor?

Helps absorb ways to handle things.

Being empathetic at work will reduce the burden on supervisors and co-workers, and will also make you more popular.

  Finally, newcomers are advised not to pay too much attention to their first job, to become far-sighted, and a mentality worth learning, so that they will have a brighter future.

The important thing is that when you have the right view of work, and then discover the advantages of others in the workplace to learn, the deficiencies of observing others are vigilance. The first part of work will make you endlessly useful.

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Yoga and other 8 strokes to drive away constipation during pregnancy

In the clinic, pregnant women often ask the doctor what to do if constipation occurs in the second trimester.

In fact, constipation during pregnancy is mainly related to excessive fine diet and too little exercise.

In order to supplement nutrition, pregnant women will eat a lot of high-protein, high-feces foods, ignoring the fiber intake of vegetables.

In addition, excess women greatly reduce the amount of activity after pregnancy, sitting or lying all day, resulting in weakened peristaltic kinetic energy, aggravating the occurrence of abdominal distension and constipation.

Constipation during pregnancy can persist throughout pregnancy.

Some women start constipation early in pregnancy, often 3?
Defecation only once in 4 days; it is more serious in the third trimester, and the uterine swelling and compression shift, even 1?
No bowel movements for 2 weeks.

Therefore, pregnant women can alleviate constipation by adjusting their diet and lifestyle.

Here are eight ways to get rid of constipation during pregnancy.

  1.

Regular bowel movements determine a time for your bowel movement.

Even if you do n’t have any instincts, go to the bathroom and squat for a while. Long-term adherence will form a good habit of defecation on time.

  2.

After getting plenty of water to get up, drink a glass of cold water or honey water on an empty stomach before eating breakfast, which can promote implant reflex.

Usually drink plenty of water, drink more than 2000 ml of water every day.

When constipation occurs, drinking large amounts of water can soften stools and increase pressure in the large intestine, which promotes excretion of stools.

  3.

Adjust your diet. Eating more vegetables with high fiber content, such as cabbage, radish, celery, spinach, pumpkin, artemisia, bean, onion, rape, etc., can effectively relieve constipation.

There are also foods containing precipitated fibers of carbohydrates, such as bananas, sweet potatoes, shiitake mushrooms, kelp, konjac, sweet potatoes, etc.

  4.

Drink more yogurt Yogurt contains lactic acid bacteria, which are beneficial bacteria in the large intestine.

Supplementation with lactic acid bacteria can improve the characteristics of feces and promote the excretion of feces.

  5,

Avoid irritating foods. Eat garlic, pepper and other irritating foods as little as possible, and drink less tea, coffee, and carbonated beverages to reduce stress on the large intestine.

  6.

Proper exercise to avoid sedentary and long standing, the purpose is to promote blood circulation and help perfusion.

Take a walk every day?
2 times, each half an hour.

Those with conditions can do pregnancy yoga, abdominal massage, etc. under the guidance of professionals.

It should be noted that the doctor recommends that pregnant women who are resting or have other symptoms should follow the doctor’s advice.

  7.

Eliminate mental stress When tension or stress is too high, the peristalsis in the hospital will also slow down, so pregnant women must learn to relieve tension.

At this time, you can listen to music and read relaxed and humorous books to help relieve stress and tension and help prevent constipation.

  8.

If pregnant women have more severe constipation, it is recommended to use drugs to soften the anus under the guidance of a doctor. Never use drugs without authorization.

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What’s your attraction to the opposite sex?

Would you like to share a short life with some kind of opposite sex?

Are you attractive enough to him or her?

When will he spend time with you?

  1 When you know a person of the opposite sex, and he promises to call you, the result: A The other party calls the next day, and this is true every day.

  Although B called you, he seemed very busy.

  C didn’t call you.

  D only called you in the middle of the night and asked if you would like to see him right away.

  E keep his promise.

  2 What do you think is the opposite sex with you: A is too romantic.

  B is easily moved.

  C is a rational person.

  D is only occasionally enthusiastic.

  E is enthusiastic most of the time.

  3 When you call your favorite opposite sex, the other party’s general response is: A encourages you to do this often.

  B let you know that they are ready to call you.

  C seems very busy and has no time to talk to you.

  D They promised to call you and they broke their promise.

  E Li is still in business, and I call you from time to time.

  4 In ordinary life, how do you want your favorite person to treat you?

  A taxi for you.

  B scrambles to pay.

  C is always with you.

  D often goes out with you.

  E each pays, and no one owes anyone.

  5 When he is in a bad mood, he will: A keep talking, hoping to get your advice.

  B confesses that his problems are not as serious as yours.

  C showed nothing.

  D appears to be solving the problem for you.

  E tells you that he is in a bad mood, but can overcome difficulties independently.

  6 When you discuss the problem, the other party’s reaction is often: A speaks out his serious problem.

  B tells you how to solve the problem.

  C avoided talking.

  D thinks you have enough ability to deal with it independently.

  E discusses issues with you and supports your opinion.

  7 When you have a great disagreement on a certain issue, he will: A agree with you and give in everywhere.

  B convinces you that he is right, and you are wrong.

  C considers your opinions, but his own views remain unchanged.

  D turns a deaf ear to your opinions.  E discuss with you patiently.

  8 When your sweetheart is with your friends, he will: A ignore them.

  B politely chats with each other.

  C wantonly laughed at them.

  D talks about someone who looks good and is sexy.

  E appears friendly but respects you very much.

  Come to see which one you choose the most among A, B, C, D, E, and then analyze and judge against the following!

  Analysis of results Mostly choose A. Your charm lies in your strong and independent personality. The reason why the other party loves you is because you show a strong appearance, so that the other party can rely on and rely on you. You are often financially independent and know how to express your feelings.And thinking people, you who are enthusiastic, will feel that you can give them hope.

  Mostly choose B. Your charm can bring you a weaker like a little girl, and weak Liu Fufeng’s posture or temperament.

What the other person likes you the most is the poor person who shows weakness and needs protection. The other person will feel that he is very important and must be with you all his life.

You will make people feel that taking care of you is a responsibility that you don’t have to shirk, nor can you shirk.

  In most cases, you can give the other party enough psychological space, so the other party will find you considerate and considerate.

You can attract the other person because you can make the other person to have a love relationship with you without any psychological pressure. You know how to be considerate of the other person’s workplace or other unspeakable things.

  Mostly choose D. You are a contented person.

Know what you want and what you want.

You don’t have much demand for the opposite sex, and the other person naturally appreciates this.

And your love objects are almost self-centered people. When you fall in love with them, you often reduce your value and accommodate the other person.

I don’t think much about my inner feelings, even if I am not willing to do it, I will force my thoughts in order to achieve harmony between the two sides.

  Mostly choose E to indicate that the person you are interested in is a person who is decent and knows how to solve problems on your own, and you are also a strong and efficient person who is very human and loves creating life.

It is because of the different things, different views, and different personalities between the two of you that you are attracted to each other by these independent and different flash points.

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Women’s Post-Conditioning Ground Morin Soup

The third week of a woman’s period is called the third stage of conditioning.

At this time, the yang is more sufficient and will prepare for the next menstrual period. Its nourishment will be based on supplementing the yang of the foot. In the cooked Angelica mutton soup, Huaishan, which nourishes the spleen and kidney, and Chinese medicine, such as Morin, which will nourish the kidney and yang, will not be used.The use of lamb for bone is to make the body’s yang better.

This soup should be taken 2 times a week?
3 times, it is not suitable for pregnant women and women who are planning to become pregnant.

  Ingredients: 9 grams each of cooked land, 6 grams of Chinese angelica, 6 grams of Angelica sinensis, Cuscuta chinensis, 3 grams of Morinda citrifolia, 50 grams of mutton, and two slices of ginger.

  Cooking: Soak the medicinal materials a little; wash the lamb, cut into pieces, rub each with raw flour and raw oil, roll the boiling water with ginger wine for a while, and then wash (ie, “simmering water”), and then cook togetherClay pot, add 1000 ml of water (about 4 bowls), boil the fire and boil it for about 1 hour, then add salt.

For 1 person.

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