China Merchants Bank (600036) Third Quarterly Report Review: Excellent Asset Quality and Strong Profitability

China Merchants Bank (600036) Third Quarterly Report Review: Excellent Asset Quality and Strong Profitability

Event: China Merchants Bank released three quarterly reports, and achieved operating income of 2077 in the first three quarters.

300 million, an increase of 10 in ten years.

36%; 772 net profit is gradually realized.

3.9 billion, an increase of 14 years.

63%.

Defective rate 1.

19%, a decrease of 4BP from the end of the previous quarter; provision coverage ratio was 409.

41%, an increase of 15 from the end of the previous quarter.

29 units.

The growth rate of net profit attributable to mothers increased compared with the previous two quarters, and the profitability was strong.

Net profit attributable to mother in the third quarter was 266.

27 ppm, an increase of 17 in ten years.

69%, the growth rate of net profit attributable to mothers continued to increase in the single quarter (the growth rates in the first and second quarters were 11 respectively.

32%, 14.

9%).

The growth rate of net profit is higher than the profit growth before provision, and provision has become a source of profit release.

Net interest margin fell month-on-month, but still maintained a high level.

Annualized net interest margin for the first three quarters2.

65%, which is 5bp lower than the net interest margin in the first half of the year and 2 in the third quarter.

57%, a decrease of 12bp from the second quarter.

The decline in loan interest rates and the rise in deposit costs have narrowed the narrowing of the net interest margin.

Thanks to the high proportion of retail business, China Merchants Bank’s net interest margin is still at a relatively high level among listed banks.

The growth rate of non-interest income increased, pushing the revenue growth rate higher than in the second quarter.

Net income from fees and commissions increased by 17 in the third quarter.

25%. It is estimated that due to the increase in net foreign exchange gains and losses, and gains from changes in fair value, non-interest income in the third quarter increased by 21% each year.

Driven by non-interest income, annual revenue growth in the third quarter (11.

85%) increased by 4 compared with the second quarter.

58 units.

The retail business has solid advantages and rapid revenue growth.

As of the end of the third quarter, CMB’s retail loans accounted for 55.

18%.

In the first three quarters, China Merchants Bank achieved 1,069 retail financial business revenue.

08 million yuan, an increase of 22 in ten years.

18%, accounting for 55 of total revenue.

03%, retail finance business is still the main driver of revenue growth.

The asset quality is excellent, and the provision coverage ratio continues to increase.

As of the end of September, CMB’s NPL ratio was 1.

19%, down 4BP from the end of the previous quarter.China Merchants Bank’s bad confirmation is strict, historical burden is small, and the non-performing rate has decreased for 11 consecutive quarters.

Credit impairment losses in the third quarter were 118.

7.2 billion, down 26.

96%, an annual decrease of 11.

28%.

However, thanks to the improvement of the denominator, the provision coverage ratio was 409 at the end of the third quarter.

41%, still up 15 from the end of the previous quarter.

29 units.

China Merchants Bank’s level of provision coverage has provided it with a 武汉夜网论坛 higher level of safety, and also left room for profit release in the future.

Investment suggestion: China Merchants Bank’s asset quality continues to improve, and the length of profit release space.

The retail business has a solid advantage, and its performance has continued to increase, with a “Buy” rating.

Risk reminder: Pay attention to the risks of the decline in asset quality caused by the decline of the macro economy.

Jinhe Biological (002688): Benefit from the concentration of aquaculture to improve the transformation of chlortetracycline leading results

Jinhe Biological (002688): Benefit from the concentration of aquaculture to improve the transformation of chlortetracycline leading results
Abstract: 1. Global chloramphenicol oligopoly, growth in downstream demand boosted performance.The company has been cultivating in the field of veterinary drug additives for many years. It is tied with Chia Tai and is the world’s two oligarch for aquaculture.In the context of African swine fever, large-scale farming has higher requirements for biological control, and the market demand for chlortetracycline has expanded. It is expected that domestic chlortetracycline prices will remain high in 2019, and the company will benefit significantly. 2. Vaccines: The technological advantages are obvious, and future development is expected.The core competitiveness of the company’s round whole virus inactivated vaccine “Yuyuanbao” and live pig blue ear vaccine (PC strain) is high antigen purity and high antigen concentration.In 2017, the average total protein 四川耍耍网 content of all “Yuyuanbao” was below 100 μg / ml, and the concentration and intactness of intact circovirus particles were significantly higher than similar vaccines.Obtained production qualifications for live porcine parvovirus vaccine (NJ strain), inactivated swine erysipelas vaccine, live swine fever vaccine, etc., and the application for registration of importation of Mycoplasma hyorhinis-porcine circovirus type Ⅱ double vaccine has been steadily progressing.Ascension provides protection. 3. The starch business industry chain was extended, the third phase of the environmental protection project was completed, and the depreciation of the RMB increased exchange gains.Affected by the recovery of the downstream industrial chain, the sales of corn starch and co-products increased, and the increase in the price of corn starch increased to offset the impact of rising corn costs. After the completion of the third phase of environmental protection at the end of 2018, it is expected that capacity utilization will increase in 2019, and operating costs willSignificant decline; the rapid depreciation of RMB in H1 2019, and long-term exchange gains will significantly increase the company’s performance. Earnings forecast: Buy rating.It is expected that the company’s net profit attributable to the parent in 2019/2020/2021 will be 1.99/2.40/2.8.6 billion, corresponding to 0 EPS.31/0.38/0.45 yuan.Give 25 times PE in 2019, corresponding to 2019 target price of 7.75 yuan, closing price 4 on August 23, 2019.94 yuan, up 56.88%, give “Buy” rating. Risk reminders: 1. The risk of rising raw material prices.The proportion of raw material corn in the company’s product cost has broken through, so the increase in corn price has an impact on the company’s product cost. 2. The risk of abnormal exchange rate fluctuations.The assets denominated in US dollars and the company’s overseas sales revenue are related to changes in exchange rates, so changes in exchange rates will have a certain impact on the company’s performance. 3. The risk of new product market development falling short of expectations. The company’s veterinary vaccine business has the risk of new product market expansion falling short of expectations. 4. Policy risks.The company’s overseas revenue accounts for a large proportion, so the risks of import and export policies have an impact on the company’s performance.

Gree Electric (000651) Series III of the Pearl of the Sea: The Mystery of ROE: Excess Cash Accumulated by High Growth under the Operating Advantage

Gree Electric (000651) Series III of the Pearl of the Sea: The Mystery of ROE: Excess Cash Accumulated by High Growth under the Operating Advantage

Profitability is the key to the improvement of ROE. There is room for improvement in maximizing funds. From 2003 to 2010, ROE of Gree Electric Appliances experienced a rapid improvement process. In 2007, the company’s ROE level exceeded 20%.

Since 2011-2013, although it has improved and fluctuated, the overall stability has been above 25%. After falling to a low of 26% in 2015, it has been consistently increased to over 28% in 2016-2018.

Through the dismantling of the classic DuPont, we found that the improvement of Gree’s ROE was mainly due to the improvement of profitability.

After 2007, the total asset turnover rate and equity multiplier 都市夜网 have reduced the contribution to the company’s ROE, and have been in a downward trend.

Weak cost impact, brand strength, high profit, high air conditioners are manufacturing standard products. The three rounds of raw material price cycles affect changes in gross profit margin levels. In the early stage, the company was affected by the cost of raw materials, penetrated the optimization and consolidation of the industry structure, and the company passed on costs.The ability to expect, usher in a rapid increase in profitability, while upgrading the product structure to open up the average price and profit space.

We believe that Gree has created a strong profit barrier under the brand and manufacturing advantages.

Exploring the way for leading companies to make money and make money Gree Electric seems to have higher financial leverage, but the interest-free debt accounted for a higher proportion of the debt structure. The channel financing ability is strong under the unique channel model, and the upstream and downstream accountability is strong.The ratio has increased year by year, and financial costs have been negative for a long time.

Since 2007, the total asset turnover rate and equity multiplier have been gradually extended, and profitability has become the main factor driving ROE improvement.

We believe that the improvement of the company’s profitability and the replacement of the net asset turnover rate have also improved, mainly because the continuous accumulation of book cash under the effect of high profitability and channel accumulation has suppressed the ROE level.

ROE room for continuous improvement: business diversification + high dividend income and high profit growth + channel financing mode brings free cash flow growth, while the company’s daily operations have no excess funds, and the efficiency of capital utilization is not large.Development is conducive to improving return on funds and ROE levels.

With the enhancement of the company’s shareholders’ shareholding ratio and the right to speak, and the fair incentives to land and strengthen the leading initiative, the governance structure is expected to improve, and Gree’s new business development has accelerated.

At the same time, we believe that we can enter the experience of leading domestic appliance companies and improve ROE level through high dividends and repurchase methods. The increase in the distribution rate under high dividends brings the capital market’s recognition of the company’s investment value and is conducive to performance.

Earnings forecasts and estimates We maintain our original earnings forecasts and expect the company to achieve operating income growth in 2019-2021.

12% / 7.

74% / 9.

97%, net profit attributable to mother increases by 7.
.

73% / 7.

82% / 11.

10%, EPS is 4.

69/5.

06/5.

62 yuan, corresponding to the current sustainable 14/13/11 times.

Combined with the PE level of comparable companies, we give the company 15 times PE in 2020, corresponding to a target price of 75.

9 yuan, maintain the target price unchanged, maintain “Buy” rating.

The risks indicate the downside risks of the macro economy, the risk of price competition in the industry, and the risk of changes 杭州夜生活网 in the price of raw materials.

Less white head, try medicated therapy

Less white head, try medicated therapy

There are many factors that cause low whiteheads, such as the human body’s chronic lack of vitamins, folic acid, and trace elements such as copper, iron, and cobalt; or insufficient replacement of amino acids; endocrine disorders, such as decreased melanocyte stimulating hormone secreted by the pituitary; and severe nutritionPoor, excessive mental stress, and chronic wasting diseases can all cause “less whiteheads”, as well as genetic factors.

  The medicine of the motherland believes that “the kidney hides its essence, and its energy can be turned into blood.

This shows that hair growth is closely related to congenital kidney qi, liver and kidney essence and blood.

If a person’s essence and blood are strong, and his kidney qi is full, his hair will be ulcerated, and his spirits will tremble; on the other hand, if his kidney qi is insufficient, his liver and kidney will be deficient, and his hair will lose his support without brilliance or early whitening.

Chinese medicine uses drug therapy to nourish liver and kidney, promote blood circulation and nourish blood, while regulating emotions, ensuring adequate sleep, doing head health care such as scalp massage, often combing hair, and strengthening blood circulation in the head.

The following two medicinal treatments are recommended for patients’ discretion.

When taking porridge, pay attention to strengthening nutrition, eat more fish, lean meat, milk, eggs.

  1.

Double black porridge.

30 grams of black sesame, 30 grams of black beans, 30 grams of Polygonum multiflorum, 6 pieces of red dates (denucleated), 30 grams of Chinese wolfberry, 50 grams of rice, rinse Liuwei with water to remove dust, put in a casserole, add an appropriate amount of water, and cookFor porridge, add brown sugar and mix well, then take it, 1 dose per day.

Served for 1 month.

It has the effect of nourishing blood and nourishing liver, solid essence and kidney, and black hair.

Less whiteheads apply.

  2.

Nuclear black porridge.

20 grams of walnut meat, 30 grams of black sesame (dry product), 60 grams of previous rice, grind the walnut meat and black sesame, pan the previous rice together, put them into a casserole, add an appropriate amount of water, cook into a gruel, addBrown sugar can be taken once a day for 1 month.

It has the effects of nourishing the liver and kidney, and moistening the internal organs.

Suitable for those who are weak and have little white head.

How do Ants face psychological distress?

How do Ants face psychological distress?

Recently, there is a word that vividly reflects the difficult living conditions of post-80s college graduates, which is “ant family”.

This group of people has the characteristics of “high intelligence, weak, social group”. Although they have received higher education, their income is very small.

The reason why this group of college graduate low-income people are called “ant tribe” is that although their individuals are “weak” like ants, they have a lot of strength.

A significant number of them were involved in online mass incidents, certain online signatures, online controversy, human flesh searches, etc.

This article will analyze the cause of the formation of the “ant family”, the possible psychological problems and the coping methods.

  The roots of the formation of the “ant family” started in 1999. From a social perspective, the formation of the ant family began in 2003 when the first batch of college students expanded.

A huge employment peak was formed at that time, and the number of graduates has increased sharply since then.

According to the “Social Blue Book” of the Chinese Academy of Social Sciences, the number of college graduates in 2009 increased by about 500,000 from the 5.99 million in 2008, resulting in an oversupply of the talent market.

  In the corner of the ant snail house, eight people lived in one house.

  The disconnection of university specialty setting and market demand is another important reason for the formation of the “ant family”.

To be precise, some people with vocational education find it easier to find good jobs than college students.

A large part of the “ant family” group’s military marketing jobs, although there is no professional requirement and school discrimination, but the competition is fierce, resulting in thin competition, and they have to live in a village.

Obviously, the attractiveness of big cities has also exacerbated the growth of settlement villages.

According to the survey, nearly half of the college graduates who live in it choose to stay because they believe that Beijing has many job opportunities and an excellent urban environment.

  The “ant tribe” is prone to certain psychological problems. For a long time, the “ant tribe” is a group of people ignored by society. It is estimated that there are more than 100,000 in Beijing.

Lian Si, an associate professor at the Peking University Law School, lasted 2 years and went to Tangjialing and other places. After a large number of case studies and data analysis, he wrote a monograph entitled “Anthropology-A Record of the Villages of University Graduates”.

In the past two years, the research team assigned 563 questionnaires to seven “resorts” in the townships of Haidian District, Changping District, Dongbeiwang, Xibeiwang, Erlizhuang Xiaoyuehe, Shahe Town, and Xiaojiahe.”” Basic analysis of work, study, marriage, amateur life, online behavior, etc.

The final investigation evidence triggered was that poor living conditions of low-income graduates, lack of social security, great changes in thoughts and emotions, mainly rely on the Internet to vent.

  Experts say that college students who have just graduated are not positioned correctly enough, and they are likely to encounter setbacks in the process of adapting to society, and may cause psychological problems such as anxiety, depression, and hostility.

The survey showed that there were as high as 74.

The 8% growth rate is most dissatisfied with their economic income, and the most satisfied is their interpersonal relationships.

Persistent “ant families” have higher average scores than normal adults in the evaluation of factors such as compulsion, depression, hostility, sensitive interpersonal relationships, worry, and paranoia.

  The “ant tribe” ‘s psychological distortion should be debugged. Most of the “ant tribe” have their own dreams, some kind of hope that there will be a car in three years, a house in five years.

Although these dreams are their greatest spiritual support, according to the current situation, those who can realize their dreams and move away from the village are rare.

Persistent “ant families”, a large number of people participated in network mass incidents, certain network signatures, online controversy, human flesh search, etc.

This means that if there is no reasonable way of venting, the “ant tribe” may promote the outbreak of sexual events in groups through the interaction of the virtual environment and the real environment, which will affect itself and society.

  For the post-80s generation, the age they lived in was just in the period of social transformation, some common social contradictions, the unemployment rate rose, urbanization was relatively equal, and their growth experience was transitioned.

When the difference between ideal and reality makes people feel cruel, it is also normal to have corresponding negative emotions, and it may also become one of the variable factors of society.

This may be the first reason that this group has attracted widespread media attention.

In addition to the self-regulating ability to be moved closer, the relevant departments of the settlements should pay attention to the changing trend of this group.

For young people with psychological problems, timely counselling and treatment should be given to find a place for them to express their emotional appeals.

Regarding the psychological problems such as compulsiveness, depression, sensitive interpersonal relationships, anxiety, and paranoia that may occur in the ant family mentioned above, if you want to find the best adjustment method, please consult your psychologist.

How to whiten people with yellow skin

How to whiten people with yellow skin

Who doesn’t want facial skin to be white and tender, I believe everyone wants to have fair and smooth skin, so how can people with yellow skin effectively whiten?

Let ‘s take a look together.

  1. White vinegar washing your face Although this is a very old-fashioned method, the whitening effect of white vinegar washing your face is really great.

Smart women will use white vinegar to wash their face. It can really beautify the skin and improve the complexion. It is also the safest and simplest way!

Or you can mix glycerin and vinegar at a ratio of 1: 5 to wipe the face and make the skin more delicate.

  2. Thorough cleaning After the golden period of repair after 72 hours of sun exposure, then the whitening will begin. Thorough cleaning can open the whitening channel for the skin. Use 40 degrees warm water with cleansing milk to thoroughly clean the facial oils.dirt.

In addition, you can also use the method of steaming your face or hot compress to open the pores, let the oil and dirt flow out from the deep pores, and then clean them, so that the pores can breathe smoothly.

  3. Massage accelerates whitening. Massage the facial lymphatics, dredge the drainage channel of the skin, and accelerate the circulation, so that the skin melanin and old waste materials can be quickly metabolized, and the skin will naturally become white and crystalline. The first step: the fingers of both handsMassage the joints back and forth on the forehead for 3 minutes to relax the right side.

The area between the eye and eyebrows is the massaging area. It moves from the eye to the end of the eye, and is inserted along the brow bone with the knuckles. The knuckles of the index finger are massaged on both sides of the nose, and back and forth to expel toxins around the nose.

Make a fist with both hands and use your joints to massage your limbs back and forth until you feel a little pain in your cheeks.

  4, Baiji whitening materials: Baiji, egg yolk, gherkin juice, olive oil, honey.

Method: Add the white lotus root into the bowl, add the egg yolks and stir well, then add honey and cucumber juice, and then spread it evenly in the body. After 20 minutes, wash it with water, then apply olive oil on a cotton pad and apply it on the face5 minutes, then apply a hot towel to the face, wait for the towel to cool, and then wash it off. Long-term adherence can make the skin fairer and more delicate.

  5, aloe whitening method materials: aloe leaves, cucumber, egg white, pearl powder, flour.

Method: Peel aloe vera, squeeze the juice with cucumber, then add egg white, pearl powder and flour and stir into a paste, then apply it on the face, wash it after drying, then apply toner.2 times to effectively whiten skin.

  6, tomato honey whitening material: tomato, honey.

Method: squeeze the tomato juice, add honey and stir into a paste, then apply it for 15 minutes, then wash it with water, 1-2 times a week, can effectively eliminate acne and acne, and make the skin whiter and more delicate. This maskCan be used on face and whitening.

  Tip: In addition to using whitening methods for friends who want to whiten, don’t forget the usual sunscreen!

If you have dark skin, try not to bask in the sun. Unless your skin is white, avoid the sun directly!

In the summer at 10 am and 2 pm, when the sun is strongest and the ultraviolet rays are the greatest, it is easy to hurt the skin and cause black!

In addition to sunscreen habits and diet should pay attention to, eat more whitening foods can play a supporting role.

Staying up late is not allowed, it will cause dull complexion!

How a human character is formed

How a human character is formed

How does personality develop?

What factors will it be affected by?

Or has it changed?

These are an important aspect of psychology research, and also a concern for psychology enthusiasts.

The development, formation and change of personality are closely related to human genetics and environment.

  How do genetic factors affect a person’s personality?

This is a very complex and controversial issue.

It is generally believed that genetic factors affect a person’s personality through temperament and intelligence.

The temperament formed by the role of genetic factors, according to their own way of activity, makes the character have a unique color.

For example, it is also a personality trait that helps others. The bloody people are agile and helpful when they help people, while the slime people are calm and emotional, with emotions in their hearts.

Temperament is determined by the type of advanced neural activity of a person. Therefore, temperament affects the formation and development of personality at the beginning.

  The influence of genetic factors on intelligence has been proved by Jensen’s research.

Unless the child is raised by a biological parent or adoptive or foster family, there is always a significant correlation in intelligence between the child and the biological parent.

Jensen attributes this to the influence of heredity on intelligence.

In addition, intelligence and personality are affected by the characteristics and types of advanced neural activity, and intelligence has a role in the formation of human personality.

This effect is manifested during human development.

People use their ingenuity, master the corresponding knowledge and skills, calmly review the situation, and make their behavior consistent with objective laws. This will lead them to overcome difficulties and show consciousness, boldness, determination and perseverance in difficult obstacles.Character traits.

Therefore, ordinary politicians, inventors, writers, and artists, although they have different occupations in the military, all of them have highly developed intelligence, creativity, and excellent personality traits.

  Personality is not only affected by genetic factors, but more importantly, the environment is a decisive factor in the development of personality.

The role of the environment is mainly through families, schools, social circles, and work practices.

  Personality is relative, absolute maturity does not exist.

From the inconsistent changes in people’s environment and personality, there are certain changes in personality, but unless stimulated (such as broken love, accidents with important people, major failures or frustrations, etc.), once a person’s personality is formed, it is basically stablechange.

Fruit girl, grass elf, and flower fairy together_1

Fruit girl, grass elf, and flower fairy

In the embrace of nature, we always feel particularly comfortable, delicious and fresh fruits, lush plants and beautiful moving flowers are all gifts from heaven.

And they can not only delight our mood, but also help us realize our dream of beauty and skin care.

Do you still hesitate to remove any hormones and use natural skin care methods?

Fruit girl, grass elf, flower fairy, who do you want to be?

  Enjoying the sweetness is willing to be a fruit girl. Taiwan star Ke Yirou once wrote a beauty book called “Fruit Girl-Fruit Yang Beauty Plan”. In the foreword, she said: “Beauty with fruit can have a good mood of love.

Under the natural care, it triggers the beautiful power of the skin and feels really good.

The deliciousness of fruit makes skin care as if it is ingesting food, making it happy and fun.

“Few women don’t like fruit. If they can become beautiful through the power of fruit, who wouldn’t want to be a fruit girl?

  The three major standards of fruit girl are afraid to eat fresh fruit must be fresh, because fruit is very easy to spoil food.

Similarly, the use of fruit skin care must also pursue freshness, because skin care products containing fruit ingredients, the loss of freshness will be faster than other skin care products.

  I’m afraid it’s not sweet. Many people love fruit because of its sweetness.

Similarly, many people like fruit-based beauty products because they fall in love with these sweet smells.

When you put on a fruit mask, you are often tempted by the sweet taste. I really want to lick my tongue.

  I’m afraid that the fruits and flowers are not full of energy. The difference between herbs is that it can not only give the skin natural care and gentle conditioning, but also more importantly, there are more nutrients in fruits than other natural plants.

ABCDE’s multi-vitamins make skin inactive!

  Fruit girl seven weapons 1.

Essential grape antioxidants The grape polyphenols contained in grapes can effectively delay aging or moisturize the skin. They are essential bacteria for anti-aging skin care products.

  2.

Vitamin C has a whitening effect, transformation, and the smell of orange can awaken tired skin.

  3.

Red pomegranate is effective against aging. Red pomegranate contains three times more antioxidant factors than red wine and green tea. It can resist pollution damage.

  4.

Lemon freshly clarified The white lemon can condition the excessively secreted oil, and it is also common in whitening and spotting ingredients.

  5,

Cherries create natural red-faced cherries. The iron content of cherries is the highest among fruits. At the same time, they are rich in minerals, which can nourish blood and qi, and naturally make the complexion ruddy.

  6.

Strawberry restores fairness and shine Strawberry contains a variety of fruit acids, which can whiten and increase elasticity, make the skin moist and shiny, and more suitable for oily skin.

  7.

Gentle exfoliation of papaya Not only can breast enhancement, papaya has the same exfoliating function as pineapple.

  Breathing hard into a grass elf “As long as you breathe hard, you can see a miracle”, this sentence is the original inspiration for the idol drama “Lavender”.

In our high-end beauty life, the way to harvest miracles is the same.

Breathe deeply and forcefully, you can achieve the magical power of herbs and draw the essence of heaven and earth contained in green plants.

One by one, the grass elves were born, with the freshness of the leaves and the freshness of the dew.

  The three major standards of grass elf are unnatural. There are a lot of active chemical ingredients in skin care products now, and it is easy to cause allergies if they are not suitable.

And the natural ingredients of herbal plants have a low chance of causing allergies, making women with sensitive skin feel relieved.

  I’m afraid they are not fresh. Some people don’t like the strong fragrance of skin care products. Skin care products with fresh grassy aroma or unique herbal smell are their favorite.

  I’m afraid that a woman who is not gentle and really knows how to care for herself will definitely not pursue immediate immediate results and achieve natural beauty effects step by step, which is a healthier and more correct skincare attitude.

  Grass elves seven weapons 1.
Lavender is comprehensively upgraded to be beautiful and anti-infective, treat acne, accelerate wound healing, and promote cell regeneration . Lavender has many skin care effects, it can also purify, soothe the mind, and make people calm.
  2.

Mint supplements fresh energy. The ancients used it to detoxify, which has a good purification and anti-inflammatory effect on oily skin.

The smell is penetrating and refreshing.

  3.

Aloe vera sunscreen and moisturizing Aloe vera can block ultraviolet radiation and prevent pigmentation, and aloe gel is the ideal emollient moisturizing factor.

  4.

The purified and activated antioxidant molecules in green tea health products have tens of times or even dozens of times higher repair ability than vitamin C and vitamin E.

  5,

Rosemary caring nostalgic skin The ancient Romans believed that giving rosemary to a lover can represent the caring of love.

Rosemary has a preventive astringent effect, which is especially effective for conditioning oily and firm skin.

  6.

Sage Happy Eliminates Defects Sage can improve pores and eliminate acne marks. Its scent is refreshed, so it is also called “happy sage”.

  7.

Evening primrose makes soft skin and moisturizing. Evening primrose oil has the effect of increasing skin resistance and repairing cells. It makes the skin fair and soft.The petal bath drew butterflies flying around; did you ever want to be a “lilac-like girl” described by a poet, because “she has the same color as / lilac / fragrant lilac”.

Flowers are the best gift for women in this world.

Because women are like flowers, each woman has her own special years of beauty.

  The three major standards of the flower fairy are afraid of being unsafe. “The Dream of Red Mansions” wrote that ancient rouge was made of natural flowers. Because of its safety, Brother Bao would eat it secretly.

Today, skin care products that contain flower ingredients are not safe to import, but they are still safe.

  I’m afraid that I don’t like to take a deep breath during skin care and recover from scent.

In fact, the nose is also a good channel for the soul. The floral fragrance pleases your nose and pleases your heart.

  Do n’t you know it ‘s not pure?

A five-ton rose flower can only extract two pounds of rose oil.

The pure extraction of flower essence makes the simple matter of skin care extremely dignified.

  Flower Fairy Seven Weapons 1.

The essence of Rose’s best skin care ingredients can refresh the spirit and assist the circulation. It is suitable for aging and dry skin. It has excellent moisturizing and repairing effects and is the best choice for women.

  2.

Neroli helps cells regenerate. Neroli essential oil is expensive because it is added almost as much as rose. Its odor is a bitter and medicinal scent of lilies.

It can help cell regeneration and increase skin elasticity, suitable for dry, sensitive and mature skin.

  3.

Jasmine soothes and warms the skin. Ancient China, Egypt, and India all like jasmine as a flower. Because of its warm and relaxing properties, it is a good material for perfumes and fragrances.

Jasmine can soothe irritated or uncomfortable skin. It can also relieve anxiety and depression.

  4.

Bailian’s natural whitening ingredients The mineral salts, trace elements and essential oils contained in Bailian can promote skin elasticity and restore skin whiteness and flawlessness.

  5,

Ginger flower enhances skin care and happiness. The fragrance of ginger flower is fresh and pleasant, with a slight spicy taste, which makes people feel cool, soothing and relaxing while skin care.

  6.

Rose firmly locks in moisture. The taste of rose is accepted by many people, and its essence can promote the production of hyaluronic acid, which forms the moisturizing component of the skin, and increase the moisture content from inside the cell.

  7.

Chamomile sensitive skin loves the Egyptians to present this flower as a sacred symbol at the festival.
Chamomile works best to improve skin sensitivity and dryness.

Gold interpretation of three stovepipes

锘?

Gold interpretation of three stovepipes

If you want a pair of beautiful legs, of course, you have to work harder, but the complicated and difficult movements always make the MMs discouraged. Xiaobian now tells you the three gold legs of the stovepipe.

Understand the golden time of stovepipe, grasp the key points, practice hard, the stovepipe can actually be very simple, the effect is also very good, work hard together!

銆€銆€When is the time to be the gold ranking?

Don’t worry, the following small series will give you one after another: First, the busy day at 8:00 in the morning begins, the day is in the morning, the beautiful legs start from the morning.

銆€銆€Go to the station to take a ride, pay attention to the correct walking posture, that is, raise your head and chest, use the strength of the waist to walk, straighten the back, reduce the abdomen, tighten the buttocks, the heel first touch the ground, maintain a certain speed.

Grasping these essentials, you can use your feet to beautify your legs.

銆€銆€After getting on the bus, if you have a seat, you can easily do sports.

The legs are placed at 90 degrees, the heels are fixed, and the toes are repeatedly swayed up and down. This action can exercise the muscles of the calves and make the legs more even.

銆€銆€If you don’t have a seat, you can practice small gymnastics: stand upright, lift any foot, cross the cross, gently press, hold for 10 seconds, then change the other leg, pay attention to the center of the body, if it is difficult to maintain balance,Can be supported on the column by hand.

銆€銆€Second, at 15:00 in the afternoon, the office workers sit in front of each other, and the legs tend to get fat due to lack of exercise.

You can take advantage of the opportunity to sit and do some exercise to achieve the dual effect of eliminating fatigue and stovepipe.

銆€銆€1, sitting in a chair, holding the two sides of the chair with both hands, fixing the body, lifting one foot and standing straight for 30 seconds.

Then change the other foot to do the same.

It should be noted that the alignment position cannot be moved while the alignment is straight.

銆€銆€2, sitting in the chair, chest, keep the legs crossed, the tip of the toes in the ground, the upper leg is pressed down, the lower leg is pushed upwards, after 10 seconds, the legs are interchanged for 10 seconds., 2-3 times.

Do not hold your breath to do this.

銆€銆€Know the golden sort of stovepipe, use the gold method in gold sorting, if the gold sort MM missed, don’t worry, let’s introduce MM to 5 small stovepipe methods, anytime, anywhere, stovepipe, simple and practical, help youThick legs and thin legs!

銆€銆€1, people who drink too much water, have light or heavy edema, especially the night family.

You can drink barley water.

Usually drink barley water in the morning, I will feel more urine in the afternoon, or drink a lot of barley water today, and I will urinate a lot in the next day.

Renshui will help remove excess water from the body, tighten the curve, and whiten.

Many breakfast shops sell hazelnut soy milk.

銆€銆€2, kneading massage tendon and hip joints often appear orange peel tissue, recommend that you use the grasp and pinch way to use good slimming, stovepipe products, can achieve blood circulation, strengthen metabolism, reduce the slimming effect of excess meat.

The massage technique must be used to forcefully press and press, but do not use force to make yourself dark.

The right force is a bit like licking the dough.

銆€銆€3, with the massage board 鎼?emulsion first evenly apply the lotion to the skin, then use the massage board to push from bottom to top, from the roots of the thighs to the hips, at least two or thirty times in each place, you will feel veryIt’s a little bit hot, but it’s full of useful tips!

銆€銆€4, massage plus leg lift leg movement is also a good way to stovepipe!

After massaging the legs, lean your legs straight on the inside, 90 degrees to the body, at least 15 minutes to lift the legs.

But don’t lift it for too long, or your legs will be numb.

銆€銆€5, hip movement If the hip line is beautiful enough, the legs will look more slender!

The chest should be trained and the exercise is most effective.

銆€銆€In fact, as long as you do an action, you can easily have a charming hip. That is, when you stand, the legs open and shoulder width, and the toes are open to the outside. You must straighten, then force you to clip them.butt.
銆€銆€It is best to be more than twenty times at a time.

Sticking to this action often will make you smile in front of you.

Ten major norms for going out to travel health care

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Ten major norms for going out to travel health care

Diabetes 1: Before going abroad, prevent injections should be avoided to avoid all kinds of infectious diseases. Before the tour, you can refer to the environment of the tourist site and apply necessary vaccinations before the departure, such as: influenza vaccine, hepatitis A vaccine and type A vaccine.Infectious diseases such as colds, diphtheria and other vaccines, as well as anti-malarial drugs.

銆€銆€Dialysis II: When drinking more water, you should add more water to reduce the chance of stomach upset; drink plenty of water to make skin water dangdang, take pictures more beautifully; drink plenty of water on the plane to reduce the chance of infected bacteria; high blood pressure, preliminarySexual heart disease patients need to add more water when traveling, and should pay attention to sleep, pay attention to blood pressure at any time.

銆€銆€Anatomy 3: Take a long-distance flight, you should exercise your body for a long time to move the plane. When you arrive at your destination, you will often feel sore, lower extremity edema, get up every hour, do simple exercises, and gently massage your calves, obesity and back.To reduce the symptoms of soreness and lower extremity edema after sedentary, correct and prevent venous embolism; especially to prevent patients with scale hypertension and hypertension, avoid sitting in a chair, easily cause embolism of the blood vessels in the legs, and the complications gradually deteriorate into pulmonary embolism.Sudden death, so you can restart and walk around at intervals.

銆€銆€Formaldehyde IV: Eat chewing gum, yawn, can reduce the tinnitus when the plane takes off and land. When the plane takes off and landing, there are often tinnitus, earache, earplugs or dizziness, you can bring a pack of chewing gum with you, so that the mouth can chew.Slow down this phenomenon, but if you have a bad cold, chronic hearing impairment or eustachian tube dysfunction, you should consult a doctor before taking the plane, otherwise it will increase the uncomfortable situation.

銆€銆€Dialysis 5: Wash your hands more, avoid eating raw food, or touch wild animals and plants. The most fearful of eating bad stomachs, affecting physical damage to travel emotions. Washing your hands is the only way to prevent gastrointestinal infections. Avoid eating raw food to reduce infection.The chance.

銆€銆€Cation 6: After sunning at the destination, you can soothe the jet lag. Do you always feel that you are upside down because of the jet lag?

You may wish to soak the sun after you arrive at your destination. This will relieve the jet lag. This is because the body’s physiological clock will transform the sun and take off and adjust itself. If this prevents you from sleeping, you can take a small amount of sleeping pills to help you sleep.

銆€銆€Diabetes 7: Adequate sleep, keep a good physical fitness, take too many roads to heat up, relieve pain, go out and travel, it is inevitable to walk a lot, so it is very important to have enough sleep, especially for patients with cardiovascular disease, there must be sufficientSleep with a good diet, a sudden rise in blood pressure and blood pressure.

Under the change of environment, adequate sleep can reduce the chance of skin acne and dark circles.

If you really have a sore foot pain, it is recommended to soak the hot water and massage to soothe soreness.

銆€銆€Skin 8: Do a good job in sun protection and skin care, leaving beautiful memories on the journey. Because of changes in the environment and life, the skin is the first personal body alarm. If you go to a hot and humid climate, you should take sunscreen measures to the cold.The country should pay attention to skin frostbite and improve the oil quality of the skin care products. If there are no flaws at both ends, the memories will be more beautiful.

銆€銆€Diabetes 9: Prepare enough medicines. If necessary, consult a doctor before going abroad to discuss various health problems during the trip. Especially if you have cardiovascular problems, chronic diseases or allergies, you must be prepared before going out.With enough medicine, the patient can take the drug for at least two months with the ticket to the doctor. It is best to talk to the doctor before going abroad to take preventive measures.

Patients with bone disease should be prepared for internal and external use, and prepare rehabilitation products such as knee pads.

銆€銆€Formaldehyde 10: Preparations are well done. Travel abroad is not annoying. Before going abroad, you can get the local climate, environmental sanitation and epidemic information. You can check the Internet and bring some standing drugs, such as: motion sickness medicine, antioxidant medicine., cold medicine, stomach medicine, disinfectant water, skin care products, etc., extra preparation, only have health protection.