Friday, February 25, 2022

Exploring a Typical First Day at an NHL Training Camp

The National Hockey League (NHL) teams hold training camps annually to prepare for the coming season. Typically beginning in mid-September, these camps provide players with a chance to hone their skills and achieve match fitness. For fans, NHL training camp can also offer the opportunity to get the first glimpse of a new signing or see a fan-favorite player make their preparations.

Coaches use training camps to analyze new players. The camps allow recent draft picks to showcase their skills and prove they can measure up to the established professionals who are already playing. To maximize training camps, a new draft pick or camp invite must enter the camp with some knowledge of what to expect.

Before getting on the ice, players will take part in off-ice testing. Usually lasting for about 60 minutes, this session consists of a battery of exercises that test the player’s physical endurance. Exercises include timed sprints and a vertical jump test, which help determine the player’s leg strength and endurance. Many camps also use a single-leg squat test for the same purpose. This exercise involves squatting the largest weight you can carry on a single leg for five repetitions. Players complete these reps on each leg.

You may undertake maximum pullup and pushup tests during this period too. Both involve completing the exercise to the rhythm of a metronome. The player keeps going until they cannot complete the pullup or pushup in time.

Finally, the off-ice session ends with some machine-based tests. Players may take a treadmill VO2 test, in which they make repeated sprints with constantly decreasing recovery times. Like the pullup and pushup tests, this treadmill exercise repeats until the player can’t go anymore. The coaches may also ask the player to take part in a Wingate Test, a 30-second sprint using a custom-designed bike set to maximum tension.

With this battery of off-ice tests completed, on-ice tests begin. Usually starting at approximately 9:30 am, these exercises allow players to demonstrate their capabilities on the ice. Again, the specific tests vary depending on the team. However, they typically involve engaging in various sprints. These include -sprints from the goal line to the blue sprint line and a test to see how many sprints you can complete to the center red line and back before stopping. Your endurance also gets tested with a multi-lap endurance exercise.

The on-ice session concludes at 11 am, with the player allowed to recover for the rest of the day. Recovery exercises include ice water baths, cool-down exercises, massages, and foam rolling. All recovery exercises relieve the muscles and prevent injury. Players should always participate in these recovery sessions as the activities prepare their bodies for the challenges they’ll face later in the camp.

The first day of an NHL training camp pushes your body to its limits. It’s also a competitive day, as coaches will compare your results to other players’ results to see who can give the most on game days. Understanding the types of tests, you will take part in allows you to prepare appropriately.

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Monday, February 14, 2022

Insurance Contributes to Economic Growth

Insurance is a financial concept developed to protect individuals and businesses from loss and uncertainty. It primarily sought to eliminate or mitigate the effects of these losses. However, over time, insurance has proven to be of immense importance to people and businesses and the growth of the national economy.

Insurance companies fund long-term infrastructural investments in the United States and help small and medium enterprises (MSMEs) fund business activities. For example, they assist MSMEs in purchasing land, buildings, and equipment.

Insurance companies are quite different from other investors because they often focus on long-term liabilities and investments. Insurance companies in the United States often focus on long-term investments when they invest in policyholder premiums, expecting future claims. Therefore, their interest in long-term investments ensures that they stabilize the capital market. They also make a long-term investments in critical sectors like public education and real estate.

Similarly, insurance plays an essential role in the capital markets. Insurance companies have a substantial amount of share assets in the capital market. These classes of assets range from municipal bonds to corporate bonds. Possession of these assets allows insurance companies to ensure financial liquidity in the economy. Insurance companies in the United States often invest in less traded bonds, giving them a long-term investment advantage.

Further, insurance companies have the most significant investment in quoted shares, debt securities, monetary financial institutions (MFIs), and other financial intermediaries (OFIs). However, insurance companies play a more important role in debt securities than quoted shares. Debt securities are essential to the economy because they guarantee the repayment of principal and interest over loans.

The insurance sector continues to play an important role in credit protection. Most insurers have credit default swaps (CDS). CDS is a financial mechanism that permits investors to swap their credit risk or default with another investor. Among other things, CDS ensures a smooth flow of credit in the economy.

Insurance companies often keep a close eye on the insured objects to maximize their profit. For instance, an insurance company providing fire insurance will ensure that adequate fire safety measures are put in place to protect insured lives and properties. This eventually reduces economic losses that might be sustained due to fire disasters.

Uncertainty is one of the banes of economic productivity. Insurance often helps remove the uncertainties of human life and the uncertainties of doing business. Insurance often provides safety and assurance against any fear of sudden loss. This assurance allows businesses to thrive and employ more workers, contributing to economic growth.

Insurance companies equally collect premiums from individuals and businesses to be insured. The revenues from premiums are then used to invest in government stock and securities. By investing in government stock and securities, insurance companies help the government generate revenue that helps achieve industrial development and create job opportunities, which results in capital formation.

Insurance also drives economic growth by encouraging domestic savings. Most people systematically save their money because they must pay a premium over their insured properties. Therefore, the insured individual or business can access the lump sum when the contract is mature, similarly by transferring the risk of specific business endeavors to the insurer.

The Office of the Comptroller of the Currency Responsibilities

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