insurance

Correos is desperate to find the business that will save it from the red numbers. And that has led her to selling insurance

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There was a time (not so long ago) when Correos was basically an intermediary, a company you went to to send letters, postcards or packages. That’s how it grew. And thus he strengthened his brand for decades. The changes in demand and fierce competition in the logistics sector have, however, forced the public company to reinvent yourselfan endeavor in which he has been engaged for years without this having allowed him to abandon the red numbers that weigh down their accounts. What has altered is its relationship with users. The last (and most revealing) example is left the decision of Correos to market insurance taking advantage of its vast network of offices and postmen, which has already earned it the union reproach. What has happened? That Correos has led a curious movement in its efforts to diversify income and leave behind the red numbers. a few months ago reached an agreement with the company AXA to market its private insurance. The alliance was announced in spring, when it was applied in 32 offices with a view to expanding to more than 800 branches throughout the country over the months. At that time, the Post Office detailed which would initially be dedicated to distributing policies for vehicles, homes, health and life and death insurance, although without closing the doors to expanding that offering to “any product” from AXA. Why is it news now? The agreement It closed in February and Correos began to market AXA insurance in mayupon registration as exclusive agent. The initiative has now made headlines again for a reason that has more to do with form than substance, although it gives an idea of ​​the extent to which the public company is committed to diversifying its services. CCOO has denounced that the company is entrusting postmen in rural areas with the task of selling policies, “a function completely unrelated to their traditional delivery work.” “Instead of strengthening the public service and hiring more staff, the management is dedicated to improvising and diverting work towards commercial tasks that have nothing to do with Correos’ mission,” ditch CCOO, which warns from its office in Castilla y León: “The viability of the company cannot be reduced to the sale of insurance by rural postmen. Correos cannot become a network of street vendors. Its function is to communicate, connect territories and guarantee rights, not do business with private insurance.” Why is it important? Because of the context, which is as or even more important than the measure itself. Insurance is not the public company’s first bet to strengthen its accounts in a challenging context, marked by the collapse in postal demand and an increasingly disputed parcel sector, in which it has to compete with multinationals and is losing market share. It’s nothing new. Years ago the company already launched one of its bets more ambitious: Post Marketa space of its own e-commerce who aspired to become ‘Amazon Post Office’. The objective: to take advantage of the boom in online commerce with a differentiated commitment to mark distances from giants such as Amazon or eBay, a “market for local products in which national producers and artisans (…) come together with online buyers.” In the presentation of the platform, in 2020, in fact focused on those two concepts, “local” and “artisan”. Today in Post Market It can be found from food and drinks to beauty, home, toys, fashion and pharmacy items. Have there been more initiatives? Yes. A few. In an attempt to find its place again, the company has opted for prepaid cardsthe telephony and fiber or the marketing of O2 servicesfrom Telefónica. In recent years he has also experimented with such ambitious projects as Correos Cargoan air parcel transport service in the Latin America-Europe-Asia axis, and even studied launching to commercial rail transport with the help of Renfe. Why this effort? Because Corres is very big. A lot. And the scenario in which he has to deal has changed. A lot too. With more than 50,000 employees and 2,000 offices it is usually said which is the largest public company in Spain. And how recently recognized to elDiario its strategy director, José Miguel Moreno, the company has been faced with the delicate situation of reinventing itself or disappearing. “Society is transforming and postal operators either do it or die.” It’s not just theory. According to the data revealed a few months ago by ABCLast year, Correos recorded losses worth 95 million euros, a hole that widens the carryover in previous years and that even has taken its toll to the accounts of the State Industrial Participation Company, to which it is linked. And how to turn it around? The million dollar question. That is what Correos has sought in part with its Strategic Plan 2024-2028, validated a little over a year ago by SEPI and that aspires to “transform, recover and reposition” the company to “change its business model.” With this purpose, it aims to reinforce its weight in the postal sector, give a boost to parcel delivery and “increase and diversify income” through “new activities, such as financial services, administrative procedures, insurance marketing or logistics services.” If in 2023 the postal business represented around 66% of income of the public company, followed by 24% from parcel delivery and 10% from “diversification” (“new lines of business”), the idea for 2028 is to turn the tables by making these quotas represent (respectively) 49, 35 and 16%. The goal: “Reverse the losses to end the period with an Ebitda margin of 6%, a consolidated profit situation and a healthy financial position.” Are they all challenges? No. The scenario may be complicated, as demonstrated by the fact that Correos can’t quite find the key to gain market share or the challenges it has encountered in its commitment to insurance marketing, but the company still has two good assets. Both closely interconnected. The first is its geographic penetration and vast network of operators and offices. The second, its focus as a “provider of essential services.” … Read more

May your cat ignore that appetizing food has a scientific explanation. Is called neophobia and it’s life insurance

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You open one of the littleirs that you have bought your cat and flips with the good f see, it almost makes you want to try it, but when you offer it, all bad. It smells it, looks at you with contempt and leaves. Yes, it has happened to me and I have thought that my cat enjoyed watching me money on food that was not going to eat. Your cat does not hate you, it is its nature. Food neopobia in cats A search on the subject returns hundreds of results of Tutors asking for advice to get their cat to eat something new and tips to get it. The most common are usually cats that reject wet food and They just want to eat their feedwhich is not recommended because it can lead to the dreaded kidney disease. What happens to cats? Neophobia is the fear of something new, in this case new foods. Although food neophabia is not exclusive to cats (It also happens in humans), it is a fairly common behavior in cats and one of the reasons that have made them win the Fame of Sibaritas. It is not a feline whim, it is pure instinct, An adaptation strategy to protect yourself from possible poisoning. It is not a feline whim, it is pure instinct, an adaptation strategy to protect itself from possible intoxication. Beyond the inheritance of its wild ancestors, neophy and domestic cats may appear for other causes and one of them is stress. Cats are very sensitive to changes. In This study They analyzed stress in cats and the consequences it can have on their behavior and health. A stressed cat tends to eat less, but it is also more prone to develop neophobia. If a new meal is offered in a stress situation, it is more likely to reject it. Cat’s food preferences In This complete article of Vet Times magazinedelve into the mechanisms that form the food preferences of cats. In his first months of life he is strongly influenced by his mother’s. In fact, this influence begins even before birth, by transfer of flavors through amniotic fluid and milk. It has been proven That the kittens whose mother ate unusual foods in the cat such as milk or banana, showed inclination for these foods. “Eat it” Genetics only plays a small role, but the food to which the cat is exposed in their first months of life will be decisive when forming their adult preferences. In this sense, a kitten that only eats a type of food is more likely to develop neophobia towards unknown foods, while A more varied diet will become familiar with more flavors and textures. Experience is another decisive factor and is the one that is defining how the cat selects food during your life. For example if they eat something and feel bad, they will create a negative association and will not eat it again. The food to which the cat is exposed in their first months of life are decisive when forming their adult preferences. Of course it also influences palatability, that is to say, how nice the smell, taste and texture find of a specific food. As strict carnivores, they are attracted to protein -rich foods and tend to reject bitter or sweet flavors. In the case of feed addicted cats several factors come together and palatability is one of them. Feed manufacturers have “hacked” the feline palate with flavor enhancers (palatal) to make them more attractive and want to eat it all the time. If we add that we usually have the feed at the disposal of the animal, the habit is reinforced to the point that some cats do not want to eat anything else. In addition, the crunchy texture of the feed further reinforces that preference, making wet food something strange to them. My cat rejects food. What I do? The first, be patient. Getting a cat with a very strong neopobia start eating new foods is a background race. The first step is Get familiar with the new food. In This study He gathered fourteen adult cats that showed neophobia towards a lamb flavor food. What they did was vaporize the smell of food while cats ate their usual food. The result was that neophobia was reduced considerably. I like this. You can start by putting A bowl with wet food by feedso that I associate that it is a safe food. It is important to offer variety, because it can be the case that we are determined to eat a single option and that it turns out that you simply do not like. If your cat does not eat any wet food, there are Nutritionists who advise starting with little cans that are unhealthy. The reason is that they usually have a very attractive and flavoring smell more similar to those of the feed. In this way, it is first familiar with wet food and little by little you can introduce healthier cans. It is also recommended slightly heat the fooddo not give it directly from the fridge because it will almost certainly reject it. To start eating something new, the obvious is important: to be hungry. I think freely is not recommended. To start eating something new, the obvious is important: to be hungry. In this sense, I think freely 24 hours is not the most recommended. You can serve food three or four times a day or use An automatic feeder. Yes indeed, A cat should never be more than a whole day without eating since it can develop Hepatic lipidosis and even die. Each cat is a world and There are many more tricks That you can use, such as soaking or crushing the feed and putting a little on wet food. Also You can use others TOPPINGS like a churu -type liquid snack and sprinkle supplements such as Fortiflora (is a probiotic) or Green lip mussel powder. In Xataka | Genetics offers … Read more

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