Category Archive : 洗浴

Bank of Hangzhou (600926): The retail advantage continues to strengthen and urgently needs to supplement the core level

Bank of Hangzhou (600926): The retail advantage continues to strengthen and urgently needs to supplement the core level

Event On April 25, Hangzhou Bank announced the 2018 annual report and the 2019 first quarter report.

In 2018 and the first quarter of 2019, the operating income increased by 20 respectively.

77%, 26.

64%; realizing a ten-year increase in net profit attributable to mothers.

94%, 19.

25%.

Brief comment 1. The growth rate of the first quarter of 1919 accelerated faster than the previous quarter, and gradually the profitability tried to stabilize and rebound. In 2018, the company achieved 170 operating income.

54 ppm, an increase of 20 in ten years.

77%; realized net profit attributable to mother 54.

12 ppm, an increase of 19 in ten years.

53%, both in terms of revenue growth and profit growth, 17 years earlier.

In a single quarter, 18Q4 revenue increased by 10.

64%, a decrease of 11 from the third quarter of the previous quarter.

62 averages; 18Q4 net profit attributable to mothers increases by 13 each year.

11%, down 9 from the third quarter of the previous quarter.

76 units.

In the first quarter of 2019, the company achieved operating income of 52.

0.94 million yuan, an increase of 26 in ten years.

64%, achieving net profit attributable to mother 18.

15 ppm, an increase of 19 in ten years.

25%.

The growth of performance has obviously rebounded from the previous year.

Profitability declined slightly in 18 years and is expected to stabilize and recover in 19 years.

In 18 years, the expected average ROE was 11.

01%, a decrease of 0 from the previous year.

33 averages, but the annualized increase in the first quarter of 19 has an average ROE of 14.

92%, an increase of 0 over the same period in 18 years.

The average of 68 is expected to stabilize and recover.

In 2018, the first quarter of 19 achieved EPS 0.

95 yuan and 0.

35 yuan, an increase of 6 each year.

74% and 16.

67%; BVPS at the end of 18 and the first quarter of 19 were 9 respectively.

20 yuan and 9.

66 yuan, an increase of 12 over the end of the previous year.

75% and 5.

00%.

2. Net interest income for 18 years increased by 14 each year.06%, but the growth rate in the first quarter has declined for 18 years, achieving net interest income of 139.

92 ppm, a ten-year increase of 14.

06%, of which interest rate income increased by 16 in ten years.

71%, interest expenses increase by 18 per year.

42%.

In 18 years, the NIM was 1.

71%, an increase of 6 units over the previous year, with a net interest margin of 1.

66%, 5 BP from the previous year.

Among them, the comprehensive yield of interest-earning assets increased by 24 BP from the previous year, mainly due to the increase in yields of loans and bond investments by 39 and 30 BP, respectively, but the yield on interbank assets decreased by 44 BP;In the previous year, it increased by 19 BP, mainly because the cost of deposits and bonds payable increased by 30 and 64 BP, respectively. Only the industry’s rejection cost decreased by 2 BP.

In the first quarter of 19, net interest income was 37.

00 ppm, an increase of 5 per year.

60%, an increase compared to the previous year, is expected to be mainly due to a narrower quarter of NIM.

3. The growth rate of non-interest income is accelerating. It is expected that the growth rate of income in the middle of 19 years will achieve 18 years of positive growth and 30% of non-interest income.

62 ppm, an increase of 65 in ten years.

13%, accounting for 17% of total revenue.

95%, an increase of 4.
.

82 units.

But growth mainly increased other non-interest income.

Event On April 25, Hangzhou Bank announced the 2018 annual report and the 2019 first quarter report.

In 2018 and the first quarter of 2019, the operating income increased by 20 respectively.

77%, 26.

64%; realizing a ten-year increase in net profit attributable to mothers.

94%, 19.

25%.

Brief comment 1. The growth rate of the first quarter of 1919 accelerated faster than the previous quarter, and gradually the profitability tried to stabilize and rebound. In 2018, the company achieved 170 operating income.

54 ppm, an increase of 20 in ten years.

77%; realized net profit attributable to mother 54.

12 ppm, an increase of 19 in ten years.

53%, both in terms of revenue growth and profit growth, 17 years earlier.

In a single quarter, 18Q4 revenue increased by 10.

64%, a decrease of 11 from the third quarter of the previous quarter.

62 averages; 18Q4 net profit attributable to mothers increases by 13 each year.

11%, down 9 from the third quarter of the previous quarter.

76 units.

In the first quarter of 2019, the company achieved operating income of 52.

0.94 million yuan, an increase of 26 in ten years.

64%, achieving net profit attributable to mother 18.

15 ppm, an increase of 19 in ten years.

25%.
The growth of performance has obviously rebounded from the previous year.
Profitability declined slightly in 18 years and is expected to stabilize and recover in 19 years.

In 18 years, the expected average ROE was 11.

01%, a decrease of 0 from the previous year.

33 averages, but the annualized increase in the first quarter of 19 has an average ROE of 14.

92%, an increase of 0 over the same period in 18 years.

The average of 68 is expected to stabilize and recover.

In 2018, the first quarter of 19 achieved EPS 0.

95 yuan and 0.

35 yuan, an increase of 6 each year.

74% and 16.

67%; BVPS at the end of 18 and the first quarter of 19 were 9 respectively.

20 yuan and 9.

66 yuan, an increase of 12 over the end of the previous year.

75% and 5.

00%.

2. Net interest income for 18 years increased by 14 each year.

06%, but the growth rate in the first quarter has declined for 18 years, achieving a net interest rate of 139.

92 ppm, a ten-year increase of 14.

06%, of which interest rate income increased by 16 in ten years.

71%, interest expenses increase by 18 per year.

42%.

In 18 years, the NIM was 1.

71%, an increase of 6 units over the previous year, with a net interest margin of 1.

66%, 5 BP from the previous year.

Among them, the comprehensive yield of interest-earning assets increased by 24 BP from the previous year, mainly due to the increase in yields of loans and bond investments by 39 and 30 BP, respectively, but the yield on interbank assets decreased by 44 BP;In the previous year, it increased by 19 BP, mainly because the cost of deposits and bonds payable increased by 30 and 64 BP, respectively. Only the industry’s rejection cost decreased by 2 BP.

In the first quarter of 19, net interest income was 37.

00 ppm, an increase of 5 per year.

60%, an increase compared to the previous year, is expected to be mainly due to a narrower quarter of NIM.

3. The growth rate of non-interest income is accelerating. It is expected that the growth rate of income in the middle of 19 years will achieve 18 years of positive growth and 30% of non-interest income.

62 ppm, an increase of 65 in ten years.

13%, accounting for 北京夜生活网 17% of total revenue.

95%, an increase of 4.
.

82 units.

But growth mainly increased other non-interest income.

18 years to achieve intermediate business income.

8.3 billion, a decrease of 3 per year.

99 million yuan, a decrease of 26.

83%, accounting for 6 of total revenue.
94%, a decrease of 4 from the previous year.

51 units.
Among them, the commission for custody and other fiduciary business exceeds 3.

62 trillion, a decrease of 50.

90% is the main source of the decline in middle income. At the same time, bond underwriting, financing advisory and bank card business also declined13.

75%, 20.

58% and 39.

73%, only agency business, settlement settlement business and guarantee commitment business increased by 23 respectively.

63%, 23.

42% and 36.

96%.

Other non-interest income amounted to 18.

79 trillion, an increase of 691 in ten years.

62%.

Among them, investment income increases by 17 each year.

29 trillion, an increase of 209.

55%; gains and losses from changes in fair value increase by 75 per year.

220,000 yuan, exchange loss gains and losses fell by 76.

2.3 billion.

In the first quarter of 19, the growth rate of non-interest income further accelerated.

In the first quarter, non-interest income was 15%.

94 ‰, an increase of 9 per year.

180,000 yuan, a growth rate of 135.

67%, of which intermediate business income increases by 0 every year.

210,000 yuan, an increase of 7.

37%, other non-interest income increases by 8 every year.

97 ppm, an increase of 229.

twenty four%.

It is expected that annual intermediate business income will achieve positive growth.

4. The asset quality continued to improve, and the potential badness was severely reduced.

The non-performing rate continued to decrease from the previous month.

At the end of 18, the balance of non-performing loans was 50.

850,000 yuan, an increase of 12 over the beginning of the year.

51%; Non-performing loan financing1.

45%, an earlier decrease of 14 BP.

In the first quarter of 19, the non-performing ratio further decreased by 5 BP to 1.

40%.

The proportion of attention-oriented loans decreased significantly by 126 BP.

At the end of 18, the outstanding loan balance44.

19 trillion, a significant drop of 45 compared to the earlier period.
39%, accounting for 1.

26%, down 1 from the beginning of the year.
59 uniforms.

At the end of the first quarter of 19, the proportion of attention categories was 1.

07%, continued to drop 9 BP compared to the end of last year.

The proportion of loans overdue for more than 90 days fell by 83 BP in the initial period.

At the end of 18 years, loans overdue for more than 90 days 3.
.

77 trillion, down 30 a year.

20%, accounting for 1 of total loans.

07%, 83 blood pressure drops compared with the beginning of the year, 61 blood pressure drops compared with the end of the second quarter.

At the end of the year, the “scissors gap” between loans overdue for more than 90 days and non-performing loans was 74.

07%, down 45% from the beginning of the year.

33 units.

The provision for provisioning has been significantly increased.

At the end of 18 years, provisions covered 256 implants.

00%, an increase of 44 over the beginning of the year.

97 units; loan-to-loan ratio is 3.

71%, an increase of 0 from the beginning of the year.

35 units.

In the first quarter of 19, provision coverage continued to rise8.

50 up to 264.

50%, while the loan-to-loan ratio remains unchanged.

5. The retail transformation effect is remarkable. The retail non-performing rate has dropped sharply for 18 years, and the company’s total assets have reached 9,210.

56 trillion, an increase of 10 earlier.

57%.

Among them, the loan budget is 3504.

780,000 yuan, an increase of 23 from the beginning of the year.

48%.

The retail transformation effect is remarkable.

The performance was as follows: (1) On the asset side, the proportion of retail loans continued to rise.

At the end of 18, the retail loan balance was 1,277.

460,000 yuan, an increase of 36 in ten years.

35%, 12 higher than the total loan.

87 units.

The proportion of retail loans also reached 36.

45%, up 3 earlier.

44 averages, up 2 from the end of the third quarter.

The 21 averages are at the highest level among city commercial banks.

(2) On the debt side, retail deposits have grown significantly.
At the end of 18, retail deposits reached 988.

50 ppm, an increase of 34 in ten years.

04%, which is 15 higher than the total deposit.
29 digits, accounting for 18.

55%, which is higher than 2 earlier.

12 units.

(3) In terms of risk control, the decline in the NPL ratio of retail loans is the source of the decline in the overall NPL ratio.

At the end of 18 years, non-performing retail loans replaced zero.

77%, an earlier decline of 1.

The 02 averages continued to fall by 27 BPs compared to the end of the second quarter, while the NPL ratio increased by 35 BPs from the beginning.

(4) In terms of business development, the company focused on the two customer groups of “household customers” and “paid customers”, focusing on the development of personal housing mortgage and credit loans, and achieved leapfrog development.

At the end of 18, the company’s retail financial line loan balance was 850.

44 trillion, an increase of 34.

11%, of which, “rooster loan” (online credit loan products) loan balance 274.

19 trillion, an increase of 98.

03%; mortgage loan balance 560.

830,000 yuan, an increase of 33.

71%.

The defect rate of both parts is only 0.

09%, down 4 BP from the end of last year.

6. Capital adequacy continued to decline, and it was urgently necessary to replenish core tier 1 capital. At the end of 18 years, the core tier 1 capital adequacy ratio, tier 1 capital adequacy ratio, and capital adequacy ratio were 8, respectively.

17%, 9.

91% and 13.

15%, down by 0 compared with the beginning of the year.

52, 0.

85 and 1.

15 units.

At the end of the first quarter of 19, the three capital adequacy ratio indicators continued to fall by 12, 24, and 37 BP to 8, respectively.

05%, 9.

67% and 12.

78%.

The core tier one capital adequacy ratio is 7.

The 5% red line has a difference of only 55 BP and urgently needs to replenish capital.

It is expected that the probability of the refinancing plan for the private placement will be converged this year.

7. Investment suggestion We are optimistic about the investment opportunities of Hangzhou Bank from both short-term and medium-term perspectives.

Judging from the results of the 2018 annual report and the first quarter of 2019: First, the company’s deposits and loans have grown rapidly, especially the retail deposits and loans have grown at about 35%; Second, the interest rate spread has further rebounded.The main driving force for performance growth is expected to continue to improve in the future. Third, asset quality continues to improve, with loan growth overdue for more than 90 days declining, while all bad replacements, and the proportion of attention-oriented loans falling by nearly 1.

3 units; Fourth, the company’s performance ushered in an inflection point, and surpassed market expectations, and revenue in 18 years increased by 20.

96%, net profit attributable to mothers increased by 18.

96%, the growth rate of revenue and net profit attributable to mothers in the first quarter of 19 accelerated further.

If it is not due to the accrual of accruals, performance growth may accelerate.
The potential for future badness has not been confirmed.

Fifth, the provisioning strength has increased, and the ability to resist risks has increased.

In addition, Hangzhou Bank ‘s retail business development strategy is clear and consolidated, and due to its good local customer base, it is expected that the advantages of the retail business will continue to strengthen and will eventually be realized on the asset side.
The company’s retail business transformation strategy has been launched, and considerable results have been achieved over the course of a year, with the retail loan ratio further increased to 36.

45%, and the decline in retail non-performing rate is very significant.

In the future, the company will gradually improve its consumer credit business. The retail spread will further increase, and the retail’s contribution to the company’s total revenue and profits will further increase.

We expect the company’s net profit attributable to mothers to increase by 21% and 23% in 2019 and EPS respectively by 1.

28, 1.

57, the corresponding PB is 0.

74, 0.

70, the corresponding PE is 6.

77, 5.

51.

Maintain “Buy” rating and target price of 11 yuan in six months.

Chen Guangming’s first public fundraising fund position rose to more than 90% and increased his holdings of these stocks

Chen Guangming’s first public fundraising fund position rose to more than 90% and increased his holdings of these stocks
For stocks, please read Jin Qilin analyst research report, authoritative, professional, timely, and comprehensive, to help you tap potential potential opportunities!  Original title: The position of Chen Guangming’s first public equity 北京夜网 fund rose to more than 90%, and the increase in the holding of these stocks rose to 91.05%, focusing on TMT, pharmaceutical, chemical, building materials, photovoltaic and other sectors!On January 20, the 2019 Four Seasons Report of Ruiyuan Growth Value Hybrid Fund, a subsidiary of the fund leader Chen Guangming, disclosed a lot of information.  On March 26, 2019, Ruiyuan Growth Value Hybrid Fund was formally established. Facing the continuous adjustment of the market for two consecutive quarters, fund managers Fu Pengbo, Zhu Rong and Chen Yun who joined the fund manager team in early November 2019 are steadily building positions.Judging from the three quarterly reports for 2019, the fund’s stock positions have risen from 79 at the end of June 2019.96%, to 89 at the end of September 2019.30%, and further increased to 91 at the end 北京桑拿 of the fourth quarter of 2019.05% higher level.  From the perspective of industry distribution, in the fourth quarter of 2019, Ruiyuan Growth Value Hybrid Fund focused on the allocation of TMT, pharmaceutical, chemical, building materials, photovoltaic and other sub-sectors.  In terms of individual stocks, in the fourth quarter of 2019, Ruiyuan Growth Value Mixed Fund has carefully determined the layout of some scenic spots and second-new stocks, and made certain adjustments to the allocation of positions.  Near the end of the third quarter of 2019, the fund’s top ten heavy stocks at the end of the fourth quarter of the year had little change overall, and Oriental Yuhong (002271) was still the largest heavy stock; the second largest heavy stock by the end of the second quarter of 2019Lun Pharma (002422) has once again entered the list of the top ten heavy positions; Qianfang Technology (002373), the tenth largest position at the end of the third quarter of 2019, is on the list this time.  Judging from the proportion of the fund’s holdings, 6 of the top 10 heavy positions have increased their holdings.Among them, Guoci Materials (300285) received the largest share increase by fund managers, with a single quarter increase of 67.57%; Longji shares (601012), Kellett (300326) in the single quarter, the proportion of gains were also as high as 54.33%, 30.29%; Wuliangye (000858), Xinhecheng (002001) and Han’s Laser (002008) gained slightly overweight, and the overweight ratios were 13 respectively.61%, 10.03%, 2.94%.  At the same time, three stocks were reduced in the fourth quarter of 2019. They were Luxun Precision (002475), which extended its growth by more than 159% in 2019. Fund managers reduced their holdings by 59 in the fourth quarter of 2019.87% of the holdings, which was reduced from the second largest heavy stock to the ninth largest heavy stock; conversion, Oriental Yuhong and Wanhua Chemical (600309) were also slightly reduced by the fund manager, reducing the proportion of 8 respectively.08% and 6.96%.  On the whole, as of the end of 2019, the top ten heavy stocks of the fund are Dongfang Yuhong, Longji, Wanhua Chemical, National Porcelain Materials, Wuliangye, Xinhecheng, Kellett, Han’s Laser, Lixun Precision, Kelun Pharmaceuticalindustry.  Ruiyuan Growth Value Hybrid Fund holds heavy positions (as of the end of 2019, source: Wind) For the stock selection strategy in the fourth quarter of 2019, the fund manager stated in the 2019 Four Seasons Report that the individual stocks mainly selected a part of the outstanding and highly prosperous industryLeading company.  Looking ahead to the first half of 2020, the fund manager said that, in light of changes in the industry and the direction of industrial policies, the fund will continue to optimize its position structure and explore investment targets, and comprehensively utilize various investment tools in order to obtain investment returns beyond the benchmark.  The reason why the Ruiyuan Growth Value Hybrid Fund has attracted market attention is not only because it is the first public fund affiliated with Chen Guangming. The fund manager of the fund, Fu Pengbo, is also a long-term runner. Although the product has been established for less than one year, the fund’s net value has remainedSteady growth.  As of the end of the fourth quarter of 2019, Ruiyuan’s growth value was mixed with A, and the net value of C fund shares was 1.2075 yuan, 1.2038 yuan, the scale of the report, the growth rate of this type of fund share net value is 9.77%, 9.67%, compared with the benchmark income injection for the same period of performance6.09%.Since January 2020, the fund’s net worth has continued to grow, ending January 17, Class A, and Class C equity fund net worths were 1.3011 yuan, 1.2916 yuan, 30 yuan since its establishment.11%, 29.69%.  In addition, although the Ruiyuan Growth Value Mixed Fund has imposed a large amount of purchase restrictions since July 29, 2019, the total amount of single-day subscription and scheduled investment in class A class C shares of separate fund accounts does not exceed 1,000 yuan.The quarterly growth rate was very stable.The number of reports, the total subscription shares of the fund’s Class A shares.22 billion copies, Class C purchases1.0.6 billion copies.  As of the end of the fourth quarter of 2019, the total share of Ruiyuan Growth Value Hybrid Fund was 98.8.7 billion copies, with a net asset value of more than 11.9 billion, while the share and net asset value at the end of the third quarter were 92.5.5 billion copies, 10.1 billion, a significant increase.

Inspur Information (000977): Riding the Wind and Attacking the World’s First

Inspur Information (000977): Riding the Wind and Attacking the World’s First

Invest in logical cloud, AI and 5G to drive data center construction, and the short-term growth trend of the server industry will not change to the long-term high-boom trend.

The expansion of capital spending by Internet giants in the first quarter of 19th eventually led to the first consecutive negative growth in global server expansion, and the market industry returned to a slow growth trajectory.

We believe that at the current point in time, cloud computing is in the ascendant and overlaps with two important increments of AI and 5G. The server market (especially domestic) is still in a new cycle of high economic prosperity, and the short-term high-growth trend is not changed in the short term.The computing industry dividend 武汉夜网论坛 is far from disappearing, and the absolute growth rate of the giant cloud business is still maintained at a high level (such as Azure, Alibaba Cloud 70% +), and high investment will continue to be recovered under sustained high growth. Second, the AI industrialization process will accelerate, and IDC forecastsIn 2022, the domestic investment in AI infrastructure with computing power as the core will exceed 5 billion U.S. dollars, with a CAGR of 19-22 at 32%. Finally, 5G commercialization is imminent.The server is expected to be ready for large-scale deployment.

Inspur has established core barriers in terms of deep customization, fast delivery and cost control, and is leading the industry in competition.

The company’s outstanding JDM model deep customization capabilities have been significantly improved, and the new server R & D cycle has increased from 1.
Start.

5 years compressed to 9 months.

After the smart factory was put into operation, the overall delivery cycle of cloud servers was shortened from 15 days to 3-7 days, production efficiency increased by 30%, production capacity increased by 4 times, and the delivery capacity was industry-leading. In the past cases, over 10,000 units were deployed in 8 hoursRecord of seconds.

At the same time, benefiting from the scale effect, the company’s period expense ratio was 20 in 12 years.

08% fell to 8 at the end of 18 years.

47%, far lower than domestic counterparts, the size of product pricing space, and stronger competition.

We believe that deep customization, fast delivery and cost control are the core capabilities of server manufacturers. Inspur is leading in all aspects and will benefit the most from the industry development in the future.

In the multi-point layout, Inspur has realized the second attack foundation, and the server is expected to be the first in the world in 2022.

We believe that Inspur’s four layouts will become the key to its success in the industry: 1) The company’s international layout is perfect, and future developments will make breakthroughs overseas through advantages such as product quality, deep customization and scale supply; 2) the company is deploying AI serversOne of the manufacturers has a clear first-mover advantage. In 18 years, the domestic city accounted for over 50% (IDC) and the Internet industry share exceeded 60%. 3) The company has taken the lead in setting edge computing server standards through OTII.The launch of the product will fully benefit from the development of edge computing in the future; 4) The major upgrade of the company’s channel management model in 18 years will help stimulate the enthusiasm for cooperation between channel vendors. This year, channel channels are expected to achieve high growth of 70%.

Value assessment and investment recommendations are expected to achieve net profit attributable to the mother in 19-21 8.
.

96/12.

51/17.

280,000 yuan, EPS 0.

70/0.

97/1.

34 yuan.

With reference to the company’s 16-18 year PE (FY1), it gave a 43-year PE valuation in 1919, corresponding to a reasonable market value of 38.5 billion and a target price of 29.

89 yuan, the first coverage given a “buy” rating.

Risks indicate that the AI server business is less than expected; the overseas market is developing less than expected; channel sales are less than expected; marginal computing is developing less than expected; Sino-US trade frictions are intensifying; and the response to account increases has increased too quickly.

Watch out for these 10 black tooth foods

Watch out for these 10 “black tooth” foods

It’s not because you hold your teeth that you don’t smile because you don’t have a row of neat and white teeth!
I never expected that the “tadpole” that caused the teeth to turn yellow and black turned out to be a frequent food-coffee will yellow the teeth and tomato sauce will erode the enamel . So not only do you have to brush your teeth every morning and evening, after eating the following 10 kindsRemember to rinse your mouth in time!
  1. Coffee Dark coffee is one of the culprits causing tooth discoloration.
Drinking coffee not only causes the teeth to turn yellow, but also may cause pigmentation. The pigmentation time is prone to yellowing, which may cause stains.
But brushing your teeth often, especially after drinking coffee, has little effect.
When drinking coffee, add a little milk to help dilute the coloring in the coffee. Be sure to rinse your mouth after drinking.
  2. Pigments in soy sauce and soy sauce will also “contaminate” the teeth.
While eating sushi dipped in soy sauce or other foods containing soy sauce, it is best to drink green tea or rinse your mouth immediately after eating.
  3. Ketchup and tomato are highly acidic fruits and vegetables, and the color is bright, so tomato sauce will also erode the tooth enamel.
Experts say eating ketchup should be moderate.
In addition, eating a vegetable salad before eating ketchup can form a protective layer on the teeth.
  4. Balsamic vinegar and balsamic vinegar are dark in color and contain a variety of acidic substances, which easily cause tooth discoloration.
Balsamic vinegar can be eaten with lettuce. The barrier of lettuce has a protective effect on the teeth.
  5. Red wine and acid in wine can cause tooth staining and tooth enamel wear.
Therefore, it is recommended that you drink water and rinse your mouth after drinking red wine.
  6, black tea drinking tea has a variety of health effects, but the pigments in dark tea such as black tea can stain teeth, affecting aesthetics.
The more you drink this type of tea, the greater your chance of tooth discoloration.
Therefore, you must rinse your mouth after drinking black tea.
  7, ice cream Delicious and colorful ice cream contains a variety of pigments, which will make teeth “color”.
In addition, low temperatures and sugar in ice cream can make teeth more prone to discoloration.
  8. Hard candy: Eating hard candy can cause discoloration of the mouth and tongue and cause permanent coloring of the teeth. It is best to eat less colorful candy.
  Candy, snacks, and sweet drinks are all rich in sucrose, and there are many bacteria in the mouth. Among them, many kinds of bacteria can use sucrose and ferment and produce acid to demineralize the tooth surface and form caries.
Therefore, reducing the amount and frequency of sugar can reduce the incidence of dental caries.
  9, berries eating blueberries, blackberries, cherries and other colorful berries will cause the tooth enamel to form a thin “stain”.
After eating berries, it is best to brush your teeth and floss the teeth. The acid in the berries can also damage the enamel and cause teeth to become worse.
  10.Biscuit Who can think of cookies as the invisible killer of white teeth?
Many biscuits are made from refined carbohydrates. When they enter the body, they turn into sugar and become a breeding ground for bacteria that stain the teeth.
  Tips for protecting the oral cavity: 1. Unsweetened foods such as rice and steamed buns all contain carbohydrates. They can also be fermented by the bacteria in the oral cavity to produce acid and cause dental caries.
Therefore, you should pay attention to clean your mouth without sugar, and remove the sticky and food debris left between the tooth surface and between the teeth in time.
  2. Eating a little cheese after each meal can prevent tooth decay and promote enamel regeneration.
The same effect also has milk and yogurt, which can prevent tooth decay and make teeth shiny.
Because they contain the minerals calcium and phosphorus, they can promote the remineralization of tooth enamel.
  3. To protect your teeth, it is very important to adjust your diet. You must limit your intake of foods and beverages that can stimulate tooth pain, including cola, orange juice, apple juice, sour fruit juices and fruits, acidic soda drinks, spicy diet, pickles, and alcohol.(Especially red wine), etc., because these foods can dissolve the stained layer on the surface of the teeth, causing the dentin tubules to open and aggravating dentin allergies.

6 common traps for diet and exercise

6 common traps for diet and exercise

Introduction: Only the right way can achieve weight loss on the basis of ensuring good health.

Below, for you to correct some of the misunderstanding in the concept of weight loss.

  Myth # 1: Eating spicy food can help you lose weight.

  The effect of eating spicy food is not as great as imagined. Eating more spicy food will have an impact on the function of the gastrointestinal tract, increase the stimulation of gastric mucosa, and easily cause gastric bleeding.

In addition, eating too much irritating food will make the skin rough and prone to acne.

  Misunderstanding 2: Eat more low-fat food is not easy to gain weight.

  Associate Professor Moore of Boston University School of Medicine reported at the 44th Annual Meeting of the American College of Cardiology on Cardiovascular Disease Epidemiology and Prevention that teens who seldom eat dairy products, high-fat or low-fat diets, are more likely to be obese than those on a moderate diet.

In the process of weight loss, the aunt does not always replace the opposite role.

  Adults who eat it will not even be quickly converted into feces in the body and stored, and accidental decomposition can also inhibit adults’ synthesis in the body to a certain extent.

The best diet recommended by the American Heart Association includes moderate amounts of adults and more fruits, vegetables, and dairy products.

  Myth 3: Keep eating fruit meals to lose weight.

  Although fruits are rich in vitamins and carbohydrates, the benefits of fruits are endless, but their nutritional content is single, especially the necessary unsaturated fatty acids and proteins.

Long-term single fruit weight loss will inevitably cause protein, minerals and other nutrients in the body to be lost. Slowly, the body will issue a danger alert.

  A single and constant recipe is the same as fruit slimming, which will reduce the intake of many nutrients. Over time, the body has a large number of comprehensive and balanced nutrition, which is harmful and not beneficial.

  Sports Slimming Misunderstanding One: The better the effect of exercise intensity.

  The exercise of weight-loss people should follow the principle of gradual change from person to person.

It is different from person to person, that is, it refers to different objects, different transitional conditions, and different treatments, and uses targeted physical exercise.

  The principle of gradual increase of exercise load gradually, only a certain intensity of stimulation can make the body adapt to change.

Too little exercise has no effect on exercise, but too much exercise will cause damage to body function.

  Do not take “overeating” methods during physical exercise, suddenly increase the amount of exercise or suddenly interrupt the exercise.

Only by mastering the principle of gradual change from person to person, can we get the best results in the shortest time.

  Myth 2: You can lose weight every 30 minutes of jogging.

  It is not scientific to lose weight.

Practice has proven that only when the duration of exercise exceeds about 40 minutes, the slightest in the human body can be mobilized to supply energy with glycogen.

With the extension of exercise time, the amount of amateur energy supply can reach 85% of the total consumption.

It can be seen that, regardless of the intensity of the exercise shorter than 40 minutes, the slight consumption is not obvious.

  Myth 3: More exercise can consume too much food.

  This can only be done occasionally.

It turns out that people who feel that they eat a lot and increase their physical activity can only gain weight in the end.

If habits are formed, the results can only be harmful.

If you often use extended exercise as an excuse for overeating, and you have actually turned yourself into an overtraining situation, then your body simply has no time to recover from the fatigue of overtraining.

  People who often overeat at one meal should increase their intensity slightly during the next aerobic exercise, or reduce the conversion of the next meal.

  For some patients with hypertension, it is always desirable to reduce weight to normal levels through weight-loss drugs within a short period of time, and it is best to lose 20-30 pounds a month.

As everyone knows, rapid weight loss is harmful and not beneficial. It is not easy to maintain weight loss results, the rebound rate is very high, and it is easy to cause severe overdrafts, malnutrition, and induce various unexpected diseases.

Step-by-step, weight-loss methods based on dietary control and reasonable exercise, and appropriate medical treatment according to the doctor’s order, are practical.

Master children’s five elements to teach children

Master children’s five elements to teach children

The greatest expectations of parents are nothing more than two things: one is that the child can be healthy and healthy, and the other is that the child can be happy for life.

Children are sick, parents are the most worried, children are disobedient, and parents are the most sad.

How to solve these two problems in one step?

We have to turn to the knowledge that our ancestors passed down.

  People always envy someone who teaches their children well, and there are a lot of books on educating children on the market, and some people really follow suit, but why is the effect not obvious?

It turns out that different children have to teach in different ways, and there is no fixed pattern to move them hard.

When children are born, they say there are differences: both gender and personality.

The difference in personality is actually the difference in the five elements of a person.

  The five elements of human beings are born by nature. Once everyone is born, their nature is biased.

Therefore, to plan the child’s health and temperament, you must first determine which group the child belongs to.

Someone may want to ask, when a child is born, the body is almost the same, how to judge its five elements?

We have another solution.

Mr. Wang Fengyi said: After the child was born, listening to his crying became a bias for knowing his nature.

The cry is anxious for the fire, slow for the water, and sometimes the cry is for the soil, and suddenly the loud cry is stopped, and the sound is clear and continuous is gold.

  Knowing what character a child is born with, we know how to teach him from an early age.

Which line a child belongs to is most likely to have the advantages and disadvantages of this line.

When the child is very young, it is completely natural, and its five elements are yang, but it is also very fast from yang to yin.

If the child is very small, and the five elements are pure yang, we just need to save it; if the child grows up a little bit, his habits and aggression will start to show up, and the five elements of his positive side will easily wake up.

Therefore, in which line a child belongs, we must first protect its positive side in this line, or draw the yin to gain the yang: For a wooden child, we must maintain or arouse his benevolent nature (yang wood) to prevent or dissolve his persistence (Yinmu).

For fiery children, keep or arouse his natural nature (yang fire) to prevent or resolve his impatience and greed (yin fire); for earthy children, keep or arouse his honesty (yang earth))) Nature, to prevent or resolve his suspicion, rigid (yin earth); for the golden child, to keep arousing his lively, enthusiastic, righteous nature (yang gold) to prevent or resolve his jealousy, frivolous(Yin Jin); For a water-based child, keep or evoke its soft, quiet nature (yang water) to prevent or resolve his laziness, stupidity (yin water).

This is the first step. If you can do this, the child is already excellent.

But we also want to add the icing on the cake, so we have a second step: we know that the five elements of Yang are born together, and the man is born in succession: Yangmu is born of Yanghuo, Yanghuo is born of Yangtuo, Yangtuo is born of Yangjin, Yangjin is born of Yangshui, Yangshui is born of YangmuWomen’s reverse birth: Yangmu grows yangshui, Yangshui grows yangjin, Yangjin grows yang soil, yang soil grows yang fire, and Yang fire grows yang wood.

We teach the child through the five elements, and follow the principles of the five elements, and teach him to do what is easy to do. Do not let him do what is difficult to do.

  Take wooden children as an example: If the child is a boy and a wooden person, we must train his yanghuo, and teach him to understand the truth from time to time, so that the child can easily become very sensible; it is best not to train himIt ‘s soft and quiet because it ‘s water-based. When you walk from wood to water, it ‘s retrograde. Retrograde can only produce overcast water, and children become lazy and weak.

We see a lot of thin, bullied little boys in school. This is the case. Their grades are often not good.

But not every thin child will be bullied. Smart, high-achieving children are often thin wooden children. That’s because of wood fire.

  If the child is a girl and a wooden person, we must cultivate her yangshui, teach her soft, quiet, and cultivate yang liquid.

Slim, tall girl, gentle temperament, quiet, cute.

If the girl of wood sex develops into the fire position, she will have a yin-huo, and she will become vain, arguing, and impatient. Therefore, we often see that thin and woody beauties are greasy and violent, and they are all overcast.fire.

  Take the example of golden sex boys and girls.

The golden person is lively, with good faith, and has a good human relationship, speaking loudly and simply.

  Golden boy, easy to cultivate quiet, elegant Yang style.

Such a boy is lively but not frivolous, calm and righteous.

If you go to the soil, you are committing a rebellion, and it is easy to form shady soil, which is suspicious and dishonest.

A smart and smart child, if you always point out in front of him to be honest, don’t lie, he will have a rebellious psychology, and he wants to lie.

Because the golden child is very conscious, you teach him not to lie, he will think you think he is dishonest, so he is simply dishonest, and he wants to lie to you.

And he said that the level of lying would be very high, and everyone heard it, because he was smart and lively, and he would coax and flatter.

In this way, yin earth and yin gold have come out: cunning, hypocritical, and frivolous.  Golden girl, slick, lively and well-rounded, can speak.

Cultivating faithfulness and steady nature is a good guide for her character.

Do n’t cultivate her tenderness and quietness, because she ca n’t calm down here, in her own words, “I ‘m not a lady.” If there is really no way, she will simply shut her door, disappear, and sleep., More and more lazy, more and more upset, this is overcast.

Watch TV to lose weight coup: use fitness ball as bench to consume more time

Watch TV to lose weight coup: use fitness ball as bench to consume more time

Core tip: Use the fitness ball as a bench and sit on it for 1 hour, consuming 38 kcal track.

If your living room space allows, you can skip the skip rope, jump for 2 minutes, rest for 1 minute, repeat 4 times, it can consume 111 kcal volume.

The same effect can be achieved with two legs.

  In addition to wrong eating habits, more and more studies have proved that too much is closely related to watching TV.

Recently, the US “Shaping” magazine published the “12
tips to watch TV to lose weight” summarized by nutrition and fitness experts in New York, without prejudice.

  1.

If your living room space allows, you can skip the skip rope, jump for 2 minutes, rest for 1 minute, repeat 4 times, it can consume 111 kcal volume.

The same effect can be achieved with two legs.
  2.

Raise your legs high and jump. When you jump, lift one leg up and then lower it. Do 10 reps on each leg, and you can consume 42 kcal.

  3.

Standing in front of the sofa, squat slowly, stop when approaching the cushion, hold the posture for 1 minute, repeat 4 times, you can consume 80 kcal.

  4.

Lie on your side on the floor and raise your legs for 5 minutes, which can consume 50 kcal.

  5,

Draw a circle for 1 minute per second, repeat it more than twice, and consume 200,000 cards per second.

  6.

A trot in place can consume 30 kcal in one minute.

  7.

Lift dumbbells and other heavy objects, lift your hands over the head, your elbows are flush with your ears, and repeat the three sets of movements to consume 17 kcal.

  8.

Sit on the exercise ball, exercise the abdominal muscles for 1 minute, repeat 4 times, and eliminate 50 kcal drift.

  9.

Taking the exercise ball as a bench and sitting on it for 1 hour consumes 38 kilocalories.

  10.

1. Before the TV.

At 5 meters, the lunge presses the legs for 5 minutes and consumes 37 kcal.

  11.

Do sit-ups for 1 minute, repeat twice, and consume 35 kcal.

  12
On the sofa, lift your legs high and kick your legs quickly for 1 minute. It can consume 30 kcal like a bicycle.

The practice of beauty saint almond milk paste

The practice of beauty saint almond milk paste

Almond milk paste has a strong almond fragrance, and has the effect of moisturizing the lungs. Almonds also have a beauty effect, which is suitable for babies and parents who have poor appetite in summer.

  Ingredients: peeled almonds, sugar.

milk.

  Practice: 1.

Add almonds and a small amount of water to the blender for three minutes.

  2.

After grinding, slag, boil, add milk, add sugar.

Then put less horse retinal powder, thick and feel free to simmer, put cold in the refrigerator for two or three hours, you can eat.

  The method is very simple, you try it.

The golden key to healthy mental health

The golden key to healthy mental health

According to the WHO, health is determined by four elements: 15% of parents ‘genetics, 17% of environment, 8% of medical care, and 60% of their lifestyle, of which 30% is psychological balance, a reasonable estimate is 13%, and moderate exerciseAnd smoking cessation limits accounted for 17%.

This shows that a good attitude is the most important for health.

  First, genetically related but not absolute.

Some people are fat, some are thin, some are in good health, and some are in bad health. What is the reason?

The first influencing factor is parents. If your parents are healthy, you are healthy. If your parents are more ill, you are more ill. If your parents have high blood pressure, you are more likely to have high blood pressure.

  Second, the environment.

The place is beautiful, the air is fresh, the society is harmonious and stable, and people must be less sick; air pollution, water pollution, lean meat in the meat, pesticides in the vegetables, heavy metals in the fish, health is difficult.

  Third, medical treatment.

Many young people don’t know their health now, they get sick and go to the hospital to find a doctor.

Doctors can cure diseases, but they cannot guarantee their health.

Doctors account for only 8%.

  Fourth, lifestyle.

This is the main force of health.

Among them, the psychological balance is 30%, a reasonable estimate accounts for 13%, and moderate exercise and smoking cessation limit accounts for 17%.

This shows that a good attitude is the most important for health.
  Doctors are better than health, medical treatment is not as good as food therapy, asking for others is worse than asking for oneself, and asking oneself is not as good as heart, Professor Hong concluded.

  There was a survey of centenarians. The centenarians who participated in the survey had a variety of lifestyles. One hundred centenarians had 100 ways to live.

Some people never eat meat, some people eat fat every day; some people never eat eggs, because egg yolk cholesterol is high, but some elderly people eat four eggs every morning; some elderly people do not drink alcohol, some elderly people drink alcohol from a young ageDrink at all three meals.

Some old people go to bed early and get up early, and some old people go to bed late and get up late.

The lifestyles of basic centenarians are diverse and strange.

This is diversity.

  However, they have one characteristic in common, that is, they have a good attitude.

All centenarians are open-minded, kind-hearted and at ease.

None of the centenarians was sentimental, irritable, with a small belly, and he didn’t care.

Their mentality is very peaceful and sunny.

  You say they love sports?

I haven’t found any athletes. Excessive exercise hurts my body badly.

But these people are very active, sweeping the floor, tidying the house, growing a la carte, and raising chickens.

What you eat is what you eat, only seven or eight full.

Occupations are also varied, spiked leather shoes, three-wheeled, teachers, housewives, so to sum up the main factor of longevity is good attitude.

  However, it is not easy to really achieve a good mentality.

This has to do with personal character.

Let’s look at an example. Someone, after work, went to the opposite side of the road to give two old chess players a move, others ignored him, and the more he looked the more anxious.

The player who played chess was very stinky. He was anxious for others. As a result, tuberculosis began to smoke, and the last one to die was dead.

The loser did not die.

People who play chess are not very good at playing chess, but their mental level is high.

Studies have shown great joy and sorrow, fear and terror, and death is the same as death.

  The United States reported a 53-year-old man went home, his son and his wife quarreled, and the son took the knife, rushed to his mother, reached his heart, and died on the spot.Dad was shocked when he saw it. He couldn’t take a step and died.

A forensic examination revealed that there was no disease, and it was the emotional fluctuations that caused the heart to move and died.

Usually people do not die for no reason, but it is easy to die due to cold, exertion, drinking, excitement, and quarrel.

  There is a good way to love each other in language.

A word of good, it is not honey but sweeter than honey, not poison is more poisonous than poison, not flower is more beautiful than flower, not arrow but sharper than arrow, it is “language”.

Bad language hurts the cold in June, and the good words are warm in winter.

  If you have an arrow in your body, pull it out for disinfection, breakage, or fracture, it will be almost a week, and you wo n’t be able to hurt your soul for a lifetime.

After the Wenchuan earthquake, Lu Xiuping had grown up, and the school was very beautiful, but the psychological damage had not recovered.

Psychological effects are long-lasting, and language has a great psychological effect.

  There is a 104-year-old lady who can do needlework at the age of 104.

The old lady said that there is no secret. The realization is that being a person has no heart or lungs, and can eat and sleep.

The old lady is 104 years old, careless and not upset, and has no lungs and is not angry.

The old lady’s son said that my mother’s characteristic is that she has a wide heart and a sweet mouth.

Lao loves to praise others, is good at polishing ordinary from the ordinary, looking at things from the bright side.

The old lady is good at her daughter-in-law, saying that her daughter-in-law is really good-looking, has a good heart, is especially good to her mother, and better than her daughter-in-law.

After hearing this, her daughter-in-law was happy and better for her, so the family enjoyed it and everyone was envious.

  There is a saying that smile does not cost, but it can create wealth; ignore it without spending money, but it generates power.

Parents who can educate their children are very aware of their strengths and progress, and encourage their children to grow very well.

Of course, it is not random encouragement, or even praise based on the child’s progress and merit.

  Now that society is under too much pressure, competition is fierce, and work is too busy, we can’t change society, we can only improve ourselves.

  Know the world with philosophy, observe society with science, cherish life with medicine, and treat life with Buddhism.

Be good at things, be good at others, and be right in life.

To be a man in advance, the instrument is precise, but to be a man cannot be fine. The more you are, the worse you are. No one dares to be good with you.

You must be kind and consider the problem as a whole. You cannot go to the extreme. The direction of the road is right, the small things are easy to handle, the general direction is wrong, and the small things are useless.

  The fate of a person accounts for 20%, the transportation account for 20%, and the remaining 60% are a few “choose the right.”

The first choice is the right direction, a wonderful life, and the direction is not in vain.

The second choice is to think right, to achieve a lifetime, to think wrong, to oppose one’s life.

The third choice is the right mentor. Wisdom is a lifetime. The mentor is not wasteful.

The fourth choice is the right partner, happy life, wrong partner, tears every day.

The Four Famous Supplements of Chinese Traditional Medicine

The “Four Famous Supplements” of Chinese Traditional Medicine

In the history of Chinese medicine for more than three thousand years, many famous doctors have created many famous medicines. Those that have been used by the imperial family and are still in use today are more classics in the classics.
As the Spring Festival is approaching, we have selected the most representative “Four Famous Supplements”, and invited experts from Chinese medicine classics to explain them one by one. During the long holiday, you can try to supplement one supplement.
  Shiquan Dabu Decoction is used to relieve fatigue. Shiquan Dabu Decoction is composed of 10 kinds of traditional Chinese medicines including ginseng, atractylodes, Poria, Zhigancao, Shudi, Baiji, Angelica, Chuanxiong, Astragalus and cinnamon.
There are many usages of Shiquan Dabu Decoction, which can be eaten directly as a tonic medicine. Generally, pharmacies have finished products for sale, called Shiquan Dabu Cream or Shiquan Dabu Pills, or you can add meat to make medicinal meals.
  Relieve fatigue: In modern society, people are under high pressure and have heavy physical and psychological burdens. Therefore, it is easy to cause deficiency of qi and blood. You can use Shiquan tonic to relieve nerves and relieve fatigue. Many traditional tea shops have made it into aTea is more convenient for people to drink at any time and replenish their strength.
  Post-operative conditioning: General surgery will cause injuries to the body’s qi and blood. Often, qi and blood deficiency may occur after the operation, and sometimes even affect the recovery of the surgical wound.
At this time, using the ingredients of Shiquan Dabu Tang and meat soup, taking it every day can enhance the blood and blood in the body and accelerate the recovery of the body.
  Cancer prevention: Japanese research believes that Shiquan Dabu Decoction has anti-cancer effects and can also be used as an adjunct to radiotherapy, chemotherapy and postoperative rehabilitation.
You can directly buy Shiquan Dabu cream from the pharmacy, and take one teaspoon each morning and evening to help the body to regulate qi and blood.
  Bazhen cake is best to strengthen the spleen. Now, our living conditions are better, but life is more irregular, so there are more problems in the spleen and stomach. Conditioning the body should start from the spleen and stomach.
In Bazhen cake, yam, lotus seed meat, barley, Poria, white lentils, and coriander are all foods for the spleen. They can play a great role in filling the spleen and stomach.
In addition, these foods are mild in medicinal properties, very nourishing, and suitable for people with indigestive diarrhea.
  Seasonal spleen supplementation: The spleen and stomach are the foundation of the day after tomorrow. The spleen and stomach function is strong, and the food you eat can be better absorbed.
Chinese medicine believes that people with weak spleen and stomach can eat Bazhen cake to fill the spleen in all seasons.
  Raw materials: Bazhen cakes are 6 grams of ginseng, 100 grams each of Poria, Atractylodes macrocephala, Yam, lentils, osmanthus, lotus seeds, indica rice, 200 grams of japonica noodles, glutinous rice noodles, 200 grams of white sugar, and white honey.
Crush all kinds of raw materials, mix them with rice noodles and glutinous rice noodles, steam them into cakes, and eat them regularly to enhance spleen and stomach functions.
  Wuji Baifeng Wan is the best supplement to a woman’s body. Wuji Baifeng Wan is a famous gynecologist and has a history of 100 years.
Its main drug is the black-bone chicken. “Compendium of Materia Medica” believes that the black-bone chicken has the effect of nourishing physical weakness and weakness, especially for women with Qi deficiency, blood deficiency, spleen deficiency and kidney deficiency.
Modern medical research also believes that chicken contains lysine, methionine, and histidine, which are indispensable to the human body, and can regulate human immune function and anti-aging.
  Regulate menstruation: There are many reasons for irregular menstruation. Wuji Baifeng Pill mainly has obvious effects on irregular menstruation caused by deficiency of qi and blood and insufficient yin essence. Generally, it is characterized by low menstrual flow, light color, thin texture and thin body., Fatigue, shortness of breath, dizziness, yellow or dull complexion.
  Prevention of “Early Menopause”: Chinese medicine believes that women’s kidney qi deficiency can easily lead to endocrine disorders, so nourishing kidney qi can prevent “Early Menopause” and improve the symptoms of menopausal syndrome.
  Can also be used by men: Chinese medicine recipes pay attention to evidence, there are no restrictions on men and women.
Men with qi deficiency or blood deficiency type diseases can also take Wuji Baifeng Pills, such as chronic hepatitis, stomach ptosis, night sweats, prostatic hyperplasia, and impotence.
  四物汤最养颜  四物汤是中医养血第一方,包括当归、熟地、川芎、白芍四位药,既能补血养血,又能活血调经的常用方剂,血虚者可用来补血,Blood stasis can be used to activate blood.
In addition, Siwutang can moisturize the skin and prevent aging.
  Physiological period conditioning: Women can drink Siwutang at the end of the physiological period, once in the morning and evening, and drink continuously for a week, which will help to nourish blood and restore the body.
  Improve menstrual flow: Siwu Tang is a nourishing blood formula, and derived from it are numerous “child formulas” and “sun formulas”. Among them, the Taohong Siwu soup is more famous, adding peach kernel and safflower flavor.The treatment of blood deficiency and blood stasis caused by excessive menstruation can also deal with threatened abortion and habitual abortion.
  Tonic: You can use Siwu Tang as a seasoning, use red dates, wolfberry, and rock sugar to mask the strong flavor of Chinese medicine, and add meat such as chicken and ribs to make a nourishing medicinal diet, which can help blood flow, make your face ruddy, and skin smooth, Replenishment and beauty.
  Special reminder: Chinese medicine pays attention to syndrome differentiation and treatment. Therefore, it is best to consult a doctor before using the top medicine and use it according to your own situation.