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“I am translating” segurês “into Portuguese”
A mechanical engineer by training, with an MBA in finance from FGV and Columbia University, Marcelo Blay has an insurance market in his blood. His grandfather started working in this segment in 1927, and at the age of 56, after a long career as an executive director in the insurance market, he decided to start a business and start his own insurance company. Marcelo repeated the experiment.
After working for 20 years at companies such as Porto Seguro and Itaú Seguros, where he was executive vice president, he decided to go into the business himself, but in an online environment. In 2011, he founded Minuto Seguros, an insurance sales platform that has become one of the most successful examples of Brazilian startups.
According to him, only during the pandemic, sales of life insurance grew by more than 80%, and sales of home insurance – by more than 70%. However, auto insurance remains Minuto’s core business, which still has around 30 million potential customers in Brazil.
The company is one of the strongest candidates for the unicorn role this year. second County Startup Ecosystem Reportwhich names it among 16 other startups with the potential to exceed $ 1 billion in market value, Minuto Seguros is the online sales leader today. And he has already expressed his intention to go public in the near future, which is still driven by market conditions.
In Blay’s assessment, two decisions were fundamental to business success: maintaining human services to support the technology proposal and transparency. The site replaced insurance industry jargon with simple, straightforward counterparty language, he said. “When you have an accident, you don’t want to be listened to chat bot“, He says.
Here are some highlights of the interview with the CEO of Minuto Seguros:
1 – Entrepreneurial vein in the family
“I have been working in the insurance market for 32 years, and my grandfather’s story proves that the transition from a traditional market to entrepreneurship is possible. He took this step at 56 by starting his own insurance company. When I was 44, in 2011, I made the same decision when I noticed a certain movement in Itau, where I was vice president of insurance. The insurance company was going to turn from a manufacturer of insurance products into a distribution channel. I understood that I needed to find my place. 10 years ago, nobody worked with digital insurance, so this was a unique opportunity to start something unique. ”
2 – Pioneer in digital contracts
“When we first appeared, everything was very new and, like any new development, it seemed a little threatening. But all my personal, family and professional experience with the environment gave me the opportunity to explain my idea to insurance companies. It took many months to waste shoe soles and saliva to explain that this model came to add business. Bradesco, Mitsui Sumitomo and Zurich were the insurance companies that first decided to bet on our business. They also decided to test themselves, and we learned together in the process. We started system integration and fulfilled a number of technical and legal requirements to gain access to your technology environment. Today on our portal we work with more than 30 insurance companies ”.
3 – Uber insurance companies
“When we arrived, other brokers saw us as competitors. Today, there are 100,000 insurance brokerage companies operating in Brazil. They were very afraid of an operation like ours, they imagined that we would be like Uber for a taxi. Over time, they saw that we attracted another client who had never taken out insurance before. The insurance market is underdeveloped, we still have a very significant growth potential. Imagine that out of 48 million passenger cars, only a third is insured. We have over 30 million potential clients. When it comes to home or life insurance, less than 10% of people have this type of insurance. In small and medium-sized companies, only 10% have some type of insurance. More than 70% of our clients have never had insurance before, so in the end we expanded this market. “
4 – Personalization technology
“Brazilians are generally unfamiliar with the insurance industry and usually react to it. I joke that no one wakes up wanting to take out insurance. We understand that offering people the best product for what they need is ideal. If we gave our clients complete flexibility in customizing their insurance, they would end up choosing the lowest price and, without knowing the industry jargon, could make the wrong choice and run out of coverage when they needed it. With the help of artificial intelligence, big data and algorithms, we can offer the most suitable pre-formatted plans according to the type of vehicle and socio-demographic profile of the client. When I present to your profile 5 or 6 more suitable options and allow you to compare sentences in simple language, without jargon, I allow you to compare orange to orange when you make your choice. I’m translating Sure into Portuguese “.
5 – Social service as a differential
“Minuto’s great idea that allowed us to become the market leader was to understand that the customer needs human service. I’d say 95% of people contact before taking out insurance. Should we ask for more specific customization in addition to the ones we present, or even bargain for the price. This is when applying for a job, but imagine in case of an accident. You don’t want to talk to a chatbot if you have had a death or illness in your family. We do not hide our 0800 numbers on the website, all our phone numbers and communication channels are very clear to the customer. ”
6 – Life and home insurance during a pandemic
“Auto insurance is in spontaneous demand because people are usually more aware of the risk they are exposed to. He represents 80% to 85% of our employees. When we talk about health insurance or life insurance, both for individuals and companies, this demand is lower. During the pandemic, we had an increase in claims for life insurance by more than 80%, and for home insurance – from 70% to 80%. Like home Officecaring for the home, especially with the assistance and support services that home insurance provides, has been overrated. ”
7 – Auto insurance pay-as-you-go
“Some Insurtechs come visit us with this pay-as-you-go auto insurance product. We realized that there was still no consumer demand for this offer. This type of insurance is interesting for those who travel by car up to 300 km per month, which is 10 km per day. On top of that, it is more profitable to take out traditional insurance because of the extensive protection it offers at a similar price. Another limitation is that this insurance also depends on the city’s Internet connectivity infrastructure. You must have high availability. If your car is stolen in uninsured territory, you may have problems getting it back. The insurance industry is highly prone to fraud. 5G networks can accelerate this process, but even in these cases, we have little case law. This is a market that has just begun. ”
8 – Changing consumption habits
“There is still a somewhat romantic view of the sharing economy. For example, during the pandemic, the issue of transport applications changed completely. Own car at this time became a safe means of transportation. There is still a consumer dream of having the less privileged classes have their own car. For women, because of harassment on public transport, a car can mean their safety and freedom. People who get married, have small children or elderly parents still prefer to have their own car. ”
9 – Trends in the insurance market
“Technology is increasingly present and the pandemic has accelerated digital processes. Insurers have begun to develop technology tools so that customers can inspect a vehicle using apps without having to personally take the vehicle. In health insurance, we are entering the era of technology such as wearablethat measure the user’s vitality, oxygenation and circulation problems and help prevent illness. This insurance is also expanding its telemedicine coverage to provide home care. ”
10 – Decisions that made the company successful
“Ten years ago, when we started, there were 14 more companies selling insurance over the Internet. Of these, only Minuto exists today, as others believed in a 100% digital model and we placed our stake on maintaining human services. At the time, we were heavily criticized. They said that we are following the principles of the old economy. But I already had 20 years of experience in this market, I was perhaps the oldest entrepreneur of that generation. In the end, we proved that the model is correct. Customer and employee focus is also important. We have to think about these two audiences first, then the shareholder and, as a result, the profit. Finally, we are very transparent. This is the industry that calls the premium insurance price, the bonus discount, that’s an empty phrase. We have to close the best deal for the consumer, not the one that best suits the broker. I believe that the biggest disruption to our business has been the transparency of information, not just technology. ”
Text: Monica Millo Pedrosa
Images: reproduction
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All Your Acrylic Nail Questions Answered: From Application to Care
Acrylic nails are a popular choice for those looking to add length, strength, and style to their natural nails. Whether you’re new to the world of acrylics or a seasoned nail enthusiast, there are always questions that arise about the application, maintenance, and overall care of these enhancements. This guide will answer all your acrylic nail questions to ensure your next manicure is a complete success.
What Are Acrylic Nails?
Acrylic nails are artificial nail enhancements made from a mixture of liquid monomer and powder polymer. When combined, they form a hard protective layer that can be molded into various shapes and lengths. Once hardened, they provide a durable and long-lasting canvas for nail polish, art, or simply a natural look. For more in-depth information, check out Acrylic Nail FAQs to get all the details you need before your next salon visit.
How Are Acrylic Nails Applied?
The application process of acrylic nails begins with the preparation of your natural nails. The nail technician will clean your nails, file them down, and apply a bonding agent to help the acrylic adhere. The acrylic mixture is then applied in thin layers, sculpted to the desired shape, and allowed to dry. Once set, the nails are filed, shaped, and buffed to a smooth finish.
Acrylic nails can be customized in terms of length and shape, making them a versatile choice for anyone looking to enhance their look.
How Long Do Acrylic Nails Last?
Typically, acrylic nails can last anywhere from two to three weeks before requiring a fill. During a fill, the nail technician will replace any grown-out acrylic and maintain the structure of the nails. With proper care, acrylic nails can be worn for extended periods, but it’s essential to give your natural nails a break occasionally to maintain nail health.
How Do You Care for Acrylic Nails?
Caring for acrylic nails is crucial to ensuring they last as long as possible and that your natural nails remain healthy underneath. Here are some essential tips:
- Avoid excessive water exposure: Prolonged exposure to water can weaken acrylic nails, making them prone to lifting or damage. When washing dishes or cleaning, consider wearing gloves to protect your nails.
- Moisturize cuticles regularly: The acrylic application process can sometimes dry out your cuticles. Regularly apply cuticle oil to keep your cuticles hydrated and prevent hangnails.
- Be gentle with your nails: Acrylics can be strong, but they’re not indestructible. Avoid using your nails as tools to open packages or scrape things, as this can lead to breakage.
- Schedule regular fills: As your natural nails grow, gaps will appear between the acrylic and your cuticles. Regular fills ensure your nails maintain a smooth, polished look and help prevent lifting.
How Do You Remove Acrylic Nails Safely?
Proper removal is crucial to avoid damaging your natural nails. It’s highly recommended to have acrylics removed by a professional at the salon. However, if you prefer to remove them at home, follow these steps:
- Soak in acetone: Start by soaking a cotton ball in acetone, then place it on each nail. Wrap your fingers in aluminum foil and allow the acetone to work for about 20 minutes.
- Gently scrape off the acrylic: After soaking, use a cuticle pusher or an orange stick to gently scrape off the softened acrylic. Be patient and avoid forcing the acrylic off, as this can damage your natural nails.
- Buff and moisturize: Once the acrylic is completely removed, buff your natural nails to smooth out any rough spots and apply cuticle oil to restore moisture.
Are Acrylic Nails Safe for Your Natural Nails?
When applied and removed properly, acrylic nails should not cause significant damage to your natural nails. However, improper removal or overuse without giving your nails time to breathe can lead to thinning, weakening, or breakage of your natural nails.
If you plan on wearing acrylic nails long-term, it’s a good idea to take breaks between applications and ensure you’re nourishing your nails with oils and treatments.
What Are the Best Acrylic Nail Shapes?
Choosing the right nail shape is essential for creating a look that complements your hands. Some of the most popular acrylic nail shapes include:
– Square: A straight-edged, classic look perfect for shorter nails.
– Oval: A soft, rounded shape that elongates the fingers.
– Coffin: Also known as ballerina shape, this trendy look features a tapered edge with a flat tip.
– Stiletto: A dramatic, pointy shape ideal for those who want a bold statement.
Each shape offers a unique aesthetic and can be tailored to suit your personal style.
Are There Any Alternatives to Acrylic Nails?
If you’re looking for a different type of nail enhancement, consider these alternatives:
– Gel nails: Gel nails offer a glossy finish and are cured under UV or LED light. They’re less rigid than acrylics and can feel more natural.
– Dip powder: This method involves dipping the nails into a colored powder and sealing them with a clear coat. It provides a similar look to acrylics but is generally less damaging to the natural nails.
Conclusion
Acrylic nails are a versatile and durable option for achieving customized, beautiful nails. By understanding the application process, knowing how to care for them, and safely removing them, you can enjoy long-lasting manicures that enhance your style. With the ability to choose from a variety of shapes and designs, acrylic nails offer endless possibilities for self-expression. Remember to take care of your natural nails in between applications to keep them healthy and strong. Whether you’re a first-time user or a seasoned pro, acrylic nails can be a fantastic way to express your personality and keep your nails looking flawless for weeks.
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Jacqueline Troost Omvlee – A Tool in the Hands of the Russian Elite
When sanctions were imposed on Russia for its war against Ukraine, their objectives were twofold: to reduce Russian military capacity by limiting modern weapons and to lower Russian revenue streams. While in the beginning, the sanctions indeed weakened the Russian economy, they have fallen short of their initial objectives – mostly because Russia has found ways to circumvent many of them. The Kremlin has exploited international corruption, relied on foreign third parties, and utilized loopholes in trade restrictions. One such individual who allegedly provides services to Russian-linked companies is Jacqueline Troost Omvlee, a Geneva-based Dutch citizen.
Jacqueline Troost Omvlee is married to Niels Troost, an oil trader sanctioned by the United Kingdom. He and his company, Paramount Energy & Commodities SA, are among the 50 individuals and organizations blacklisted in response to the business connections with Russia. His wife, Jacqueline, helps to facilitate financial transactions for Niles Troost and Russian oligarchs including Gennady Timchenko, a Russian billionaire oil trader and Putin`s close associate.
Gennady Timchenko and his family have been sanctioned in many countries for backing the Kremlin’s war machine. However, with the help of Jacqueline Troost Omvlee, he seems to find ways to evade sanctions and continue his financial operations. In these illegal schemes, individuals like Jacqueline often serve as a front person for sanctioned oligarchs and their business assets. Russian-linked companies set up subsidiaries around the world, often registering new entities in offshore havens or countries where regulations are relatively lax or non-existent. To obfuscate the arrangements, the daughter companies spawn offspring in the form of subsidiaries, as the chain of concealment stretches on and on. The result is like a giant Matryoshka doll.
Jacqueline’s involvement in financial transactions that potentially support Timchenko’s interests raises significant concerns about the efficacy of Western sanctions. The fact that Jacqueline Troost Omvlee continues to operate without facing sanctions herself highlights a significant loophole in the enforcement mechanism. Various shady schemes and tactics designed to circumvent sanctions often hide the activity of individuals such as Jacqueline, making it difficult for authorities to detect and punish them for their involvement.
Jacqueline Troost Omvlee’s role in her husband’s financial dealings as well as her alleged ties to Russian business schemes, emphasizes the need for stronger international sanctions. Her actions not only aid in sanctions evasion but also diminish the overall effectiveness of the measures designed to isolate and pressure those supporting the Russian regime. Therefore, sanctioning Jacqueline Troost Omvlee is not only a matter of addressing her individual actions but also a necessary step to reinforce the credibility and effectiveness of the sanctions regime. By targeting individuals who play a key role in evading sanctions, authorities can send a strong message that efforts to undermine international sanctions will not go unpunished. This measure is crucial for maintaining the integrity of the sanctions system and ensuring that it achieves its intended goal of isolating and restraining those who support destabilizing activities.
European countries and the US need to expand their sanctions-tracking and investigative actions to improve the monitoring of sanctions compliance and to introduce new measures against systematic violators of law. The sanctioning states have the resources and capacity for this, and need to take action now.
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Hermann’s Tortoise Lifespan: How to Ensure a Long, Healthy Life
Ensuring a long and healthy life for your Hermann’s Tortoise requires a combination of proper care, nutrition, and habitat management. Hermann’s Tortoises, known for their charming personalities and distinctive shells, can live for several decades with the right conditions. Understanding their needs and providing a suitable environment is key to helping them thrive. Here’s how you can support your Hermann’s Tortoise in living a long, happy life.
Creating an Optimal Habitat
One of the most critical factors in promoting the longevity of your Hermann’s Tortoise is the creation of a suitable habitat. Providing an environment that mimics their natural surroundings is essential for their overall health. An appropriate habitat helps prevent stress and supports their well-being. For detailed guidance on setting up an ideal habitat, including specific requirements for outdoor enclosures, visit this comprehensive guide on Habitat for Hermann’s Tortoise.
- Outdoor Enclosure: Hermann’s Tortoises thrive in outdoor enclosures that provide ample space to roam, bask, and forage. An outdoor setup should include a secure, predator-proof area with access to natural sunlight. Incorporate areas for basking and shade to allow the tortoise to regulate its body temperature. Additionally, include plants, rocks, and hiding spots to simulate their natural habitat and encourage natural behaviors.
- Indoor Habitat: If an outdoor enclosure is not feasible, an indoor habitat can also support a long lifespan if set up correctly. Use a large, well-ventilated enclosure with appropriate heating and UVB lighting. Provide a substrate that allows for burrowing and offer various hiding spots and enrichment items.
Diet and Nutrition
A balanced diet is vital for maintaining the health and longevity of your Hermann’s Tortoise. They are primarily herbivores, and their diet should reflect their natural feeding habits.
- Leafy Greens: Offer a variety of leafy greens such as kale, collard greens, and dandelion greens. These vegetables provide essential vitamins and minerals that support overall health.
- Vegetables and Fruits: Supplement their diet with other vegetables like carrots, squash, and bell peppers. Fruits should be given in moderation due to their high sugar content.
- Calcium and Supplements: Provide a calcium supplement to support shell and bone health. A cuttlebone or powdered calcium can be added to their food. Ensure that they also have access to fresh, clean water at all times.
Regular Health Checks
Routine health checks are essential for early detection of potential health issues. Regular veterinary visits help ensure your tortoise remains in optimal condition and addresses any health concerns promptly.
- Observation: Monitor your tortoise’s behavior and physical condition regularly. Changes in appetite, weight, or activity level can indicate health problems.
- Preventative Care: Schedule annual check-ups with a veterinarian experienced in reptile care. Regular exams help catch any issues early and keep vaccinations and other preventative treatments up to date.
Environmental Enrichment
Providing environmental enrichment helps keep your Hermann’s Tortoise mentally stimulated and active. Enrichment can reduce stress and prevent boredom, contributing to a better quality of life.
- Foraging Opportunities: Hide food items around the enclosure to encourage natural foraging behavior. This not only provides mental stimulation but also mimics their natural hunting practices.
- Variety: Change the layout of their enclosure periodically and introduce new objects or plants to keep their environment interesting and engaging.
Conclusion
By focusing on creating the right habitat, providing a balanced diet, ensuring regular health checks, and offering environmental enrichment, you can significantly enhance the lifespan and well-being of your Hermann’s Tortoise. For further details on creating an ideal habitat, including tips for designing an outdoor enclosure, refer to this helpful guide on Habitat for Hermann’s Tortoise. Implementing these practices will help ensure that your tortoise enjoys a long, healthy life.
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