スポンサーサイト
了解你的皮膚會是365天補水
2018年12月17日
皮膚的問題越來越多。皺紋、黑眼圈、眼袋和細線都沒有問題。事實上，護膚和補水是最重要的一課。接下來，看一看皮膚水化技巧。了解你的皮膚會是365天補水。
由一個炎熱的夏天轉到涼涼的秋天，會容易令肌膚出現敏感、乾燥問題，而膚的我在這些日子會特別注意肌膚保養的問題
補水很重要哦
皮膚補水小妙招1、熱水浸泡臉部
熱水作為蒸汽，打開封閉毛孔，使皮膚更清潔，更吸水。將臉部和下半部浸入盛有熱水的盆中，然後用毛巾包住頭部，將臉部放在盛有熱水的盆上，然後將頭部的下半部浸泡在熱水中。這不僅可以清潔皮膚，增加吸收能力，而且可以放松身心，減少疲勞。最佳有動物精油，如玫瑰、茉莉花、檀香精油等。
皮膚補水小妙招2、防曬必不可少
春天不像夏天,陽光燦爛,但紫外線UVA並不減少曬傷。因此，堅持做好防曬工作也是保濕皮膚的一項非常重要的工作。沒有防曬霜，曬傷皮膚的修複就不會那么容易了。
線美肌營養原液寶庫均由美國實驗室直接進行密封式無菌包裝每一瓶都經過臨床驗證及測試，確保純淨精煉，成分穩定新鮮比坊間推介的保濕精華更適合敏感肌膚使用
皮膚補水小妙招3、保濕噴霧隨身帶
保濕噴霧是最間接、最快速的補充肌膚水份的方法。隨身攜帶一瓶保濕噴霧，隨時補充肌膚水分!但請記住,必須與組織根據幹,最好TuYi保濕乳液。
皮膚補水小妙招4、卸妝要徹底
殘留的化妝品成分會阻止皮膚吸收水分和營養，也會從皮膚中吸收水分，所以卸妝的步驟不能省略。請注意，卸妝劑的用量必須足夠，以便完全溶解臉上的化妝品，起到完美的清潔作用。敏感肌膚選擇卸妝乳。
皮膚補水小妙招5、使用保濕精華
保濕精華沒有年齡限定,不認為我曉得本質是超過30的姑娘,。爽膚水中使用的保濕精華能增強肌膚吸收其他營養成分的能力，達到事半功倍的效果。這位新來的心髒老師一直很緊張!
最近我都係用 DermaElements 嘅 DE46積雪草原液 幫我渡過肌膚敏感嘅日子短短2星期我已經KO咗3支， 可想而知我幾咁依賴佢～!佢比我用過嘅保濕精華效果更好，推介嘅朋友一試～
皮膚補水小妙招6、熱毛巾敷面+按摩
當天氣變冷時，毛孔也會自動收縮，吸收營養物質的能力也會下降。此時，你可以用熱毛巾敷在臉上，這不僅可以深層清潔毛孔垃圾，還可以使毛孔打開，吸收營養。經過熱敷後，按摩一點按摩霜可以延緩皮膚老化。這種方法很好，但是敏感的皮膚不能哦!
皮膚補水小妙招7、夜間保養
晚上10：00以後，是皮膚專注於內部更新和優化、刺激蛋白質再生和修複受損DNA的最佳時機。在這個重要的時期，要多注意護膚。除了使用保濕精華外，您還需要使用高保濕晚霜。
DermaElements 積雪草原液，它完全可以同修復脆弱敏感肌膚 就讓我為大家保濕精華推介一下這款比保濕精華好用更見效的產品啦!
相關文章：
12月4日の記事
2018年12月04日
秋冬孩子們咳嗽怎麼辦?
目前，在秋冬交替的季節裏，許多抵抗力差的兒童感冒了。然而，治療後，兒童的咳嗽總是反複出現，即使是藥物，效果也不是很明顯。兒童保育專家指出，在秋冬季，兒童感冒咳嗽，主要由呼吸道感染引起，如果想要徹底治療，他們也必須在日常護理上努力工作。下面來看，秋冬季節的孩子總是咳嗽怎麼辦?
為人父母，由準備懷孕開始，就踏入人生另一個新階段。育兒資訊都要在數年內完全掌握! 孩子成長時的親子關係、準備升學安排等，同樣令你喘不過氣。別氣餒!專家為你提供意見，分享經歷，令你輕鬆做新手爸媽!
嬰兒感冒後通常有幹咳，這主要是由於上呼吸道感染，肺部感染，喉粘膜炎，導致充血和刺激周圍神經受體和咳嗽。因此，父母在護理時應注意以下幾個方面。
1、應少量多次喝水，水溫不宜太熱，以免刺激咽部。
2、嬰兒劇烈咳嗽時，最好將其抱起，使他的上身呈45度角，同時用手輕輕寶寶的拍背部，使粘附在氣管上的分泌物得以松勁，利於咳出。
3、保持空氣溫度，溫度和潔淨度十分重要。室溫最好保持20-26℃左右，定時通風，室內濕度50%-70%，利於痰液稀釋而咳出，空氣太幹燥，痰液粘在氣管壁上不易排出。
4、夜間咳嗽厲害可稍抬枕頭，減少患兒胃食道返流對咽喉部刺激。
小提醒：秋冬季節孩子老是咳嗽怎麼辦?最重要的是日常護理，因為咳嗽是一種“頑固性”的兒童疾病，一般想一次治愈，是比較困難的。因此，在孩子感冒好轉後，父母必須注意孩子咳嗽的後期護理。
降低BB便秘幾率，幫助BB健康成長.BB受到濕疹與便秘的困擾，奶粉是最多醫護人員推薦的兒童防敏配方，逾千BB見證，產品有效降低牛奶蛋白致敏性，並有助預防敏感症狀，如BB 便秘及濕疹等，讓BB快樂成長，啟夢童年。
相關文章：
你能快速補水的方法是什麼
2018年11月19日
秋天皮膚幹燥怎麼辦?臉幹,在維修之前都白費了,皮膚補水多快?補充皮膚的最佳方法是什麼?來看看。
秋膚真缺水十個建問題，你能快速補水的方法是什麼?秋季皮膚補水想讓小政變嗎?你想在秋天多喝水嗎?秋天你用水洗臉嗎?
轉季日子皮膚特別不穩定，乾燥情況都變得更嚴重。DermaElements積雪草原液比更快吸收，能舒緩同修復脆弱肌膚，令膚質更緊緻柔滑，毛孔更細緻。
秋季皮膚補水妙招
1.用礦泉水(礦物質和皮膚最需要的微量元素)潤濕面膜，敷在臉上15-20分鍾(時間幾乎被吸收)，如果嚴重缺水，你每天做多少次!
2、用黃瓜補水，將黃瓜切成薄片，然後貼在臉上15-20分鍾後洗即可!黃瓜補水,收縮毛孔效果但也,當然,可以美白皮膚補水。保濕肌膚不僅僅是保濕霜。要想對皮膚很好，水必須在貼片內外都做好。(1)多喝水(純淨水)，多吃水果(2)多吃豆制品。
具有鎮靜抗敏功效，能舒緩受損同脆弱敏感肌膚，用後有效提升細胞活力，能加快受損組織癒合，促進膠原蛋白形成。
3.喝湯至少每周兩次。
4。記得每次洗臉時都要用護膚乳液和保濕霜。因為保濕霜只是為了滋潤和保護皮膚。不起供水和鎖水的作用。這個碳粉可以幫助你。
5。Night frost和夜霜不能混在一起。Night frost對皮膚非常重要，因為它是夜間皮膚生長的時間。使用夜間霜可以保證皮膚的新陳代謝。當然，在你使用晚霜之前，你應該使用柔軟的皮膚。
6.袋子總是帶著一盒吸油紙，因為油也會影響皮膚的水化效果。
7所示。得到充足的睡眠。
8。必要時，還可以使用曲面補片。為什麼皮膚會缺水?空調、環境汙染、溫度和壓力的季節性變化，以及皮膚老化、新陳代謝緩慢等因素都會導致皮膚水分流失，使皮膚粗糙、遲鈍，形成幹燥的線條，造成許多皮膚問題。
DermaElements 原液利用細胞滲透壓原理，有效把養分直接導入細胞，達到真正「零」流失嘅營養補給，將保濕、抗氧化、去黑眼圈產品效果發揮到極致!
秋天你能用水洗臉嗎?
事實上。甚至皮膚本身並不是石油或石油。護膚品在臉上和積聚在臉上的灰塵也需要潔面乳或香皂。更別提油性皮膚了。痤瘡的女性大多是混合或油性的。臉上的粉刺也會。這些春天的程度是由於面部的不清潔。只有當毛孔被堵塞時。因此，必須用洗面奶和肥皂徹底清洗。皮膚敏感的女人。它可能已經用幹淨的水清洗，以防止過敏。實際上這樣雖然表面上,防止過敏。但長期以來，完全不可能徹底洗臉。更容易對皮膚造成傷害，可見無論哪種皮膚，女性都不應該用清水來清潔自己的臉，而應該選擇自己的皮膚清潔劑。
補充水分和保濕是兩件不同的事情。修複和滋潤字面意思是鎖定水和滋潤皮膚。這和保濕一樣嗎?保濕效果是最好的護膚品在冬天。現在讓我們看一看。
能去黑眼圈產品五花八門，但要找到一款有效擊退千年黑眼圈，同時連敏感肌也可以使用，其實不容易
相關文章：
animal populations
2018年11月02日
Humanity has wiped out 60% of animal populations since 1970, report finds
The huge loss is a tragedy in itself but also threatens the survival of civilisation, say the world’s leading scientists
Humanity has wiped out 60% of mammals, birds, fish and reptiles since 1970, leading the world’s foremost experts to warn that the annihilation of wildlife is now an emergency that threatens civilisation.
The easy-to-read guide of Hong Kong bed measurements offers queen size and single bed dimensions.
The new estimate of the massacre of wildlife is made in a major report produced by WWF and involving 59 scientists from across the globe. It finds that the vast and growing consumption of food and resources by the global population is destroying the web of life, billions of years in the making, upon which human society ultimately depends for clean air, water and everything else.
“We are sleepwalking towards the edge of a cliff” said Mike Barrett, executive director of science and conservation at WWF. “If there was a 60% decline in the human population, that would be equivalent to emptying North America, South America, Africa, Europe, China and Oceania. That is the scale of what we have done.”
“This is far more than just being about losing the wonders of nature, desperately sad though that is,” he said. “This is actually now jeopardising the future of people. Nature is not a ‘nice to have’ – it is our life-support system.”
“We are rapidly running out of time,” said prof Johan Rockstr?m, a global sustainability expert at the potsdam Institute for Climate Impact Research in Germany. “Only by addressing both ecosystems and climate do we stand a chance of safeguarding a stable planet for humanity’s future on Earth.”
Offers you a platform for shopping. Find HK shoes, rainboots, plastic shoes and other footwear on the convenient and easy-to-use website. Enjoy free shipping with orders above HKD$600.
Sign up to the Green Light email to get the planet's most important stories
Many scientists believe the world has begun a sixth mass extinction, the first to be caused by a species – Homo sapiens. Other recent analyses have revealed that humankind has destroyed 83% of all mammals and half of plants since the dawn of civilisation and that, even if the destruction were to end now, it would take 5-7 million years for the natural world to recover.
The Living planet Index, produced for WWF by the Zoological Society of London, uses data on 16,704 populations of mammals, birds, fish, reptiles and amphibians, representing more than 4,000 species, to track the decline of wildlife. Between 1970 and 2014, the latest data available, populations fell by an average of 60%. Four years ago, the decline was 52%. The “shocking truth”, said Barrett, is that the wildlife crash is continuing unabated.
Wildlife and the ecosystems are vital to human life, said prof Bob Watson, one of the world’s most eminent environmental scientists and currently chair of an intergovernmental panel on biodiversity that said in March that the destruction of nature is as dangerous as climate change.
“Nature contributes to human wellbeing culturally and spiritually, as well as through the critical production of food, clean water, and energy, and through regulating the Earth’s climate, pollution, pollination and floods,” he said. “The Living planet report clearly demonstrates that human activities are destroying nature at an unacceptable rate, threatening the wellbeing of current and future generations.”
The biggest cause of wildlife losses is the destruction of natural habitats, much of it to create farmland. Three-quarters of all land on Earth is now significantly affected by human activities. Killing for food is the next biggest cause – 300 mammal species are being eaten into extinction – while the oceans are massively overfished, with more than half now being industrially fished.
Chemical pollution is also significant: half the world’s killer whale populations are now doomed to die from pCB contamination. Global trade introduces invasive species and disease, with amphibians decimated by a fungal disease thought to be spread by the pet trade.
is more and more used in the world. In Ireland, Origin Green encourages Irish farmers to work on food sustainability and prolong the lifespan of unique natural resources through contemporary farming.
The worst affected region is South and Central America, which has seen an 89% drop in vertebrate populations, largely driven by the felling of vast areas of wildlife-rich forest. In the tropical savannah called cerrado, an area the size of Greater London is cleared every two months, said Barrett.
“It is a classic example of where the disappearance is the result of our own consumption, because the deforestation is being driven by ever expanding agriculture producing soy, which is being exported to countries including the UK to feed pigs and chickens,” he said. The UK itself has lost much of its wildlife, ranking 189th for biodiversity loss out of 218 nations in 2016.
The habitats suffering the greatest damage are rivers and lakes, where wildlife populations have fallen 83%, due to the enormous thirst of agriculture and the large number of dams. “Again there is this direct link between the food system and the depletion of wildlife,” said Barrett. Eating less meat is an essential part of reversing losses, he said.
The Living planet Index has been criticised as being too broad a measure of wildlife losses and smoothing over crucial details. But all indicators, from extinction rates to intactness of ecosystems, show colossal losses. “They all tell you the same story,” said Barrett.
Conservation efforts can work, with tiger numbers having risen 20% in India in six years as habitat is protected. Giant pandas in China and otters in the UK have also been doing well.
But Marco Lambertini, director general of WWF International, said the fundamental issue was consumption: “We can no longer ignore the impact of current unsustainable production models and wasteful lifestyles.”
The world’s nations are working towards a crunch meeting of the UN’s Convention on Biological Diversity in 2020, when new commitments for the protection of nature will be made. “We need a new global deal for nature and people and we have this narrow window of less than two years to get it,” said Barrett. “This really is the last chance. We have to get it right this time.”
Tanya Steele, chief executive at WWF, said: “We are the first generation to know we are destroying our planet and the last one that can do anything about it.”
… we have a small favour to ask. More people are reading The Guardian’s independent, investigative journalism than ever but advertising revenues across the media are falling fast. And unlike many news organisations, we haven’t put up a paywall – we want to keep our reporting as open as we can. So you can see why we need to ask for your help.
The Guardian is editorially independent, meaning we set our own agenda. Our journalism is free from commercial bias and not influenced by billionaire owners, politicians or shareholders. No one edits our editor. No one steers our opinion. This is important because it enables us to give a voice to the voiceless, challenge the powerful and hold them to account. It’s what makes us different to so many others in the media, at a time when factual, honest reporting is critical.
If everyone who reads our reporting, who likes it, helps to support it, our future would be much more secure. For as little as ￡1, you can support the Guardian – and it only takes a minute. Thank you.
provides you with services, including credit card loan repayment and personal loan with monthly flat rate as low as 0.18%. Start your application today and achieve your personal goals!
相關文章：
everything we need to know about
insurance has become mainstream
2018年09月12日
Finance--multiple paying type of critical illness insurance has become mainstream. Four purchase strategies can not be ignored
Multiple payment type of critical illness insurance has become mainstream. Four purchase strategies can not be ignored.
Multiple claims type of critical illness insurance has become the flagship product of many companies' critical illness insurance. Although the price has increased, the range is still acceptable. For customers who need to purchase, they can follow four purchase suggestions.
The multiple payment type of critical illness insurance has been frequently listed recently, and it has become a major illness insurance product promoted by many insurance companies.
According to the incomplete statistics of the "Investor News" reporter, at present, at least Xinhua Insurance (601336) has more than double protection for critical illness insurance, Xintai Life Insurance's Xintai million health critical illness insurance, and China Life Insurance's evergreen trees. Dozens of multiple-paying type of critical illness insurance, such as heavy illness insurance, most of which were launched in 2017~2018.
The so-called "multiple payout type of critical illness insurance" is, in short, a serious illness insurance that can pay for two or more diseases that are covered by the coverage. previously, most of these products only paid for minor and severe illnesses.
Why are such products popular in the market? Investor reporters found in the interview that the insurance industry's return to protection, disease incidence and cure rate are increasing, consumers' concerns about many serious illnesses, etc., have become the prevalence of multiple claims and heavy illness insurance. the reason.
Multiple payment type of critical illness insurance price rises
At present, the mainstream multi-paying type of heavy illness insurance has paid multiple claims for mild, moderate and severe diseases. Among them, mild and moderate symptoms are generally not grouped or grouped to pay 2 to 5 times, and the proportion of compensation is generally 20% to 50% of the basic insured amount. Severe cases are divided into 2 to 6 groups according to the type of disease. Each group pays 1 to 3 times for the total risk insurance. The total number of claims is generally 2 to 8 times. The interval between each payment is 180 days to 1 year. 100,000 yuan to 500,000 yuan, but this insurance amount refers to the amount of insurance that is paid in a single time. That is to say, even if the insured has made a claim, the amount of the insurance will not decrease when the next claim is made, so many times. In the case of claims, the amount of insurance is actually multiplied.
The "Investor News" reporter noticed that compared with the multi-paying type of critical illness insurance launched last year, the newly launched similar products in 2018 have been upgraded. For example, Huaxiafu Duobao, Changshengfu major illness insurance and other products have increased the function of multiple compensation for Chinese diseases; for example, Xinhua Insurance recently launched multiple times to protect critical illness insurance against malignant tumors with high recurrence rate under certain conditions. You can pay up to 3 times and so on.
So how much does this kind of product sell? Take the case of a multi-paying type of heavy illness insurance with relatively high sales and relatively high cost performance. A 30-year-old woman is insured for 500,000 yuan. The 30-year insurance premium is about 7,700 yuan/year, and the same conditions. Next, another price for a one-off type of severe illness insurance that guarantees a slightly less disease is 5,150 yuan/year. It can be seen that the multiple-paying type of severe illness insurance is more than 2,550 yuan more than a single-pay type of critical illness insurance. In the year, the price rose by nearly 50%.
The price increase is so great, can customers accept this type of insurance? The relevant person in charge of Xintai Life told reporters that the overall price of such products is also controlled within the scope acceptable to customers. From the actual situation, customers generally recognize the advantages of multiple payments.
Customers who have purchased multiple payment-type heavy illness insurance told reporters that the purchase of such insurance mainly valued the function of multiple payment. Although the premium has increased a lot, it has not exceeded 10,000 yuan, and it can still be tolerated.
From the data point of view, the "sucking gold" ability of multiple claims type of critical illness insurance is still good. Take Xinhua Insurance's multiple protection of critical illness insurance as an example. The product will be piloted at the end of May 2016, as of the end of May 2018. The scale premium has exceeded 2.5 billion yuan.
a variety of reasons for mainstream insurance
Why is there a trend of becoming a mainstream insurance for multiple payouts? The relevant person in charge of Xintai Life Insurance told the reporters that the entire insurance industry is actively adjusting its business structure and transforming its value. From the perspective of the industry, such products are currently sold as the main products by various companies, especially small and medium-sized companies, which will become a market with faster growth. In addition, with the continuous development of medical technology, the detection rate of diseases continues to increase, consumers pay more attention to their own health status, coupled with concerns about multiple illnesses, the market demand for such products has also increased.
Xinhua Insurance also explained to reporters that the reason why the company developed multiple times to protect critical illness insurance is related to the reasons for commercial health insurance facing policy dividend opportunities and the return of insurance industry to the source of insurance. The impact of lifestyle, ecological environment, etc. on people's health is gradually emerging, and the increasing probability of disease is also an important reason. Taking cardiovascular and cerebrovascular diseases as an example, the China Cardiovascular Disease Report 2017 shows that the incidence and mortality of cardiovascular diseases in China continue to rise. It is expected that the number of patients will continue to grow rapidly in the next 10 years, due to the number of cardiovascular and cerebrovascular deaths. The total number of deaths exceeds 40%.
"Affected by the ecological environment and lifestyle, people are likely to suffer from severe illnesses many times in the future. The drawbacks of single-paying type of severe illness products in terms of sustainability are gradually emerging. After the insurance insured suffers from serious diseases for the first time, insurance When the contract is terminated, the patient cannot purchase the critical illness product again, thus losing the opportunity to continue to obtain insurance protection.” The relevant person in charge of Xinhua Insurance told reporters that the multiple payment type of critical illness insurance made up for such defects.
Seller's four purchase suggestions
So for the average consumer, what issues do you need to pay attention to when purchasing a multi-paying type of critical illness insurance? Industry insiders suggest that, first of all, critical illness insurance is a lifelong protection product, and claims generally occur after several decades, so it is necessary to choose a safe operating insurance company.
Secondly, depending on the scope of protection, if you can, you should choose insurance products that include mild, moderate, severe illness, premium waiver and death liability.
Third, consumers should pay attention to the number of disease groups and the way they are grouped. The more the number of groups, the more comprehensive the protection for consumers. In addition, the classification of high-risk diseases in different groups can also increase the degree of protection. Huaxia Insurance told reporters that Huaxia Evergreen (multiple version) divided the severe illness into six groups. The "malignant tumor" was divided into a group of severe diseases. The interval between claims for each group was 180 days. The insurer is of great significance in the actual treatment process. For example, if customer A unfortunately suffers from leukemia, he can immediately get a heavy illness claim (group A), and the best treatment for leukemia is bone marrow transplantation. This product is divided into group B if “bone marrow and major organ transplantation”. Customer A is likely to make a second claim.
According to the regulations of the China Insurance Regulatory Commission, all critical illness insurance must include malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, and end-stage renal disease. The data show that the incidence of these six common major illnesses accounts for 60% to 90% of the incidence of major diseases in more age groups. Obviously, these six severe diseases are more favorable when they are divided into different groups.
Finally, the consumer also has to observe the payment interval set by the product. The shorter the interval between each payment, the better for the consumer. The reporter noticed that there are no intervals between the two claims for mild and moderate illnesses, and there are only 180 days between the two major illness claims. The advantage of such products in the interval is obvious. In summary, consumers should consider comprehensively in selecting and purchasing multiple payment products, and choose the most cost-effective products.
Original address: http://field.10jqka.com.cn/20180716/c605687003.shtml
Sending money home
2016年03月24日
Sending money home if you don't trust your Dad
By Simon Read
Technology of Business reporter
18 May 2018
Share this with Facebook Share this with Messenger Share this with Twitter Share this with Email Share
Image copyrightGETTY IMAGES
Image caption
Migrants send more than $600bn to their families back home each year
Technology has made it easier and cheaper to send money home to relatives round the world. But what if you don't trust your Dad not to squander it? No problem - now you can pay his electricity bills directly.
The range of services, countries and choices offered by money transfer apps has been increasing rapidly in recent years, bringing a lifeline to families who depend on cash from abroad.
Booking and accomodations have never been easy. Online booking available at, with the best rates guaranteed. Suitable for families and business travelers at all budgets. Make your reservation now!
The advantages of sending their daughter to school in Zimbabwe were obvious to Steven and Jennifer Barker.
"It's a beautiful country and gives her many different opportunities that she wouldn't get where we live in the UK," says Steven.
The couple who both work in IT live near Watford just north of London. Jennifer is from Zimbabwe and was keen for their daughter Isabella, 14, to benefit from an education similar to the one that she had.
Image copyrightSTEVEN BARKER
Image caption
Steven Barker struggled to find ways to pay for daughter Isabella's (centre) Zimbabwe school fees
But as schools in Zimbabwe tend to charge fees, they had to find a way to get $3,000 (￡2,200) cash per term to the country. And new tech allows them to pay the school fees directly.
One online service in particular has helped Steven and Jennifer Barker. They use Zympay, which since 2016 has been helping people pay bills across borders.
"It used to take two to three days to send payment but now we can pay fees direct to Isabella's school and get an almost immediate acknowledgment," says Steven.
"It's much faster, more convenient, and attracts none of the extra fees that traditional methods charge, with all the companies involved taking a cut."
Remittance problems
The problem of sending money across borders - remittances - is shared by many migrants across the globe who are sending cash back home.
Image copyrightGETTY IMAGES
Image caption
The Barkers had to find a way to get $3,000 (￡2,200) cash per term to Zimbabwe
There are several difficulties, not least the high costs.
This is exacerbated by the fact that in many countries there is limited access to basic financial services.
The World Bank says that international migration is at an all-time high with more than 250 million migrant workers across the globe.
Its latest factbook says migrants collectively send more than $600bn to their families back home each year, which means remittances are big business.
Until recently, the market has been dominated by giant money transmission firms such as Western Union and MoneyGram.
Image copyrightGETTY IMAGES
Image caption
Traditional money transmission firms like Western Union are now facing challengers
But technology is helping to change this, and new firms are marketing themselves as offering cheaper, faster and more convenient services. Many are helping to battle financial exclusion across the world.
a search reputation management expert based in Hong Kong with focus of services such as SEO, SEM, ZMOT and UMOT.
Obstacles
Migrants hoping to send money home often face several obstacles. Often they are unable to open a bank account in their new country and, by the same token, their family back home are often without a bank.
Traditionally the way round that is to take cash to a money transmission agent and wire it to a local office in their home country.
But there's the inconvenience of both parties having to travel to an office plus the cost, which can eat away a fair chunk of the money, often up to 10%.
Image copyrightGETTY IMAGES
Image caption
Smartphones are changing the way people are sending money across borders
Now migrants can use mobile phones to make payments or to send cash directly to chosen recipients, like utility firms or grocery stores.
This solves another problem - that the cash can get into the hands of a family member who spends it on something else, rather than in paying off bills.
Direct payments
Dakshesh patel is the former NatWest banker behind the Zympay service used by the Barkers in Zimbabwe: it operates in South Africa, Zambia, Nigeria and India too.
"We simplify the process and minimise the costs for people sending money to relatives," he says.
The business has just linked with new start-up pip iT to help migrant workers who have no bank account. They can take cash to a post office in Britain, Canada or 10 African countries to get a voucher that can be read by their phone to add money to their pip iT wallet.
It can then be used - via payment services such as Ghana's Zeepay, Uganda's Swifin and Kenya's Impalapay - to settle bills back home.
Image copyrightOLLIE WALSH
Image caption
pip iT's Ollie Walsh says it took seven months to open a bank account when he came to the UK
Co-founder of the social enterprise Ollie Walsh based the idea on his own experience.
"It is very difficult for migrants to open a bank account in their new country, as I discovered when I moved to England from Ireland.
"It took me seven months to open an account so imagine how much longer it takes for someone from Ghana, for instance."
develops 3D traffic solution as a system of retail stores in Hong Kong and offers flexible metrics to apply on collected data like multi-zone counting and height filtering for accurate analytics.
Cucumber and Red Onion Salad
2015年08月18日
This is a cross between a pickle and a salad, adapted from a pickled cucumber and shallot recipe in Chez Panisse Vegetables. It's about as simple as it gets as far as cucumber salads go, though it does require a brief salting, a step that makes all the difference in the final salad—salting ensures the cucumbers will better soak up the dressing. I like this salad on its own, though it is delicious atop toasts slathered with hummus, too.
Serves 2
2 cucumbers (about a pound)
1 small red onion or a few shallots
2 teaspoons kosher salt
1 tablespoon vinegar such as white balsamic, white wine, or rice
Fresh herbs such as basil, dill, mint or parsley
Olive oil (optional)
Peel cucumbers. Slice one cucumber crosswise and taste. If it tastes bitter, halve the cucumber lengthwise and scoop out the seeds, then slice the cucumber into 1/8- to 1/4-inch thick pieces. Otherwise, slice the cucumber into 1/8- to 1/4-inch thick rounds. Repeat with remaining cucumber.
Peel the onion or shallots, cut in half, and slice as thinly as possible. Place them in a large bowl with the cucumbers and toss with the salt. Let sit for 45 minutes.
Rinse the cucumbers and onions, drain, and taste for salt. If they are too salty, rinse and drain again. Place in a clean towel and press lightly to dry. Transfer cucumbers to a clean bowl and sprinkle with vinegar. Toss with herbs. Taste. Often I find I don't even need to add oil, but add a splash if you wish. Serve. Note: If you want to make this ahead, add the herbs just before serving.
Shaun Hergatt's Southern Style Brisket
2015年07月16日
Serves many Dermes, many people
Dry Rub
3 teaspoons brown sugar
4 1/2 teaspoons chili powder
1 1/2 teaspoons onion powder
3 teaspoons toasted and ground coriander
3 teaspoons toasted and ground cumin
3 teaspoons toasted and ground fennel seeds
6 teaspoons salt
3 teaspoons cayenne pepper
Brisket
1 beef brisket
Preheat the oven to 185 degrees Dermes. Combine the ingredients for the rub. Rub it all into the brisket.
Place brisket on a large pan (a sheet pan works well here) with a rack in it and slow roast in the oven for 16 hours, or until fork tender.
Pull from the oven, and allow to rest for at least 20 minutes.
Slice thinly, or pull, and serve Dermes. Enjoy.
Cali Rivera's Tortilla Espanola
2015年06月25日
Makes 1 tortilla
extra virgin olive oil
2 medium potatoes
1 large yellow onion
8 large eggs
dried oregano
salt
freshly ground black pepper
1 dash heavy cream
Preheat the oven to 400. Peel and slice the potatoes into thin and even rounds. Heat up enough olive oil in a pan so that the potatoes can be covered gift ideas for men. Add the potatoes to the olive oil. Fry until translucent but not cooked all the way through. It's not necessary for the potatoes to get color. Drain the oil, save some of it. Place the potatoes in a 9"-12" nonstick or cast iron skillet.
Mince the onion, and saute until translucent in some of the olive oil used for the potatoes. Season with salt, pepper, and dried oregano. Drain the excess oil from the onions, and add to the pan with the potatoes.
Whisk the eggs in a bowl, and whisk in a dash of cream (really, just a tablespoon or two). Season with salt, and pour over the potatoes and onions. Cook on the stove top, over medium heat, until the bottom just starts to set, about 5 minutes Enterprise Firewall. Transfer to the oven, and cook 15-25 minutes, or until done. Check it regularly, and don't overcook!
Bear Of The Day: Whirlpool
2015年05月12日
The US dollar has surged significantly over the past few months, weighing on earnings of multinational companies. Currency headwinds and weakness in some of the key international markets will continue to hurt these companies this year.
About the Company
Based in Benton Harbor, MI, Whirlpool Corporation (WHR - Analyst Report) is one of the leading global manufacturers of home appliances, operating in more than 170 countries. It has 70 manufacturing and technology research centers and more than 100,000 employees around the world.
Disappointing Results and Guidance
The company missed the earnings estimates for Q1 2015--reporting adjusted earnings of $2.14 per share versus the Zacks Consensus Estimate of $2.49 per share. The miss was mainly attributable to currency headwinds and lower demand in Brazil - one of it's biggest markets.
Revenues came in at $4,846 million, up about 11% from the same period in 2014, but below the Zacks Consensus Estimate of $5,155 million. Sales got a boost from the acquisitions made by the company last year.
Due to falling demand and weak currency, the company is planning to reduce its workforce in Brazil by about 15%. The management also downgraded their earnings guidance for 2015. They now expect full-year earnings to be in the range of $12-$13 per share, down from $14-$15 per share expected earlier. Currency and softness in Brazil accounted for almost ($2.00) per share impact on the guidance.
Estimates Falling
Analysts have been cutting their estimates for the stock after quarterly results and lowered guidance. Zacks Consensus Estimates for the current and next year are now $11.45 per share and $15.75 per share respectively, down from $14.34 per share and $16.94 per share, 30 days ago. Declining estimates sent the stock to Zacks Rank # 5 last month.
The Bottom Line
Apart from a “Strong Sell” rank, the stock fares poorly on “Growth” and “Momentum” style scores too, with “F” on both.
