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A ratio measuring a company's net retained premiums written after reinsurance ceded, in relation to its surplus. This ratio is designed to measure the ability of the insurer to absorb above-average losses and the insurer's financial strength. The ratio is calculated by dividing net premiums written by surplus. An insurance company's surplus is the amount by which assets exceed liabilities.
Speaking is like a sport. And, as in any sport, you have to get into
shape, stay in shape, practice, and fine tune your skills. Just as in
sports, when each game is brand new, so, too, in speaking you have
to connect with each new audience.
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We are all athletes-in-training. We can learn much from professional
athletes. The sports metaphor can be used to teach you many
practical tips for re-energizing your body, hitting your points home,
and scoring with your message. For teams to be successful, there
has to be synergy between the team and the coach. Speaking is a
team sport. As a speaker, you have to create a comfort level for your
audience to feel safe, to take risks, and have a shared experience.
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As in sports, your body and voice are your most important equipment.
hotel insuranceAll athletes warm up before playing their sport. Try the following
exercises to keep you focused and in shape.
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The Ulnar Acupressure point is located in the middle of the palm of
your hand. Interlock your hands. Take the thumb of your right hand
and place it in the center of the palm of your left hand. Press in.
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When you press in, you are stimulating the pericardium sac. This is
the involuntary muscle that surrounds the heart. This acupressure
point is also called the “circulation and sex meridian.” By the way, the symbolic reason for wearing a wedding band on the
ring finger of your left hand, is that this finger is the closest extremity
to the heart. The ulnar point starts at the ring finger, travels up the
arm, and goes directly to your heart.
Use this exercise as a reminder to breathe, like tying a string on your
finger. Conscious deep breathing will help you with breath control.
Now that you are breathing consciously, try the following vocal warm-
ups to improve your articulation and further enhance your breath
control. While saying these tongue twisters, pay particular attention
to projecting your voice and overly articulating the endings of words.Be a “good sport“ and make a game of this exercise:“Lemon liniment”
“Cross crossings cautiously”
“Rubber baby buggy bumpers”Remember Demosthenes? He was the Greek orator who as legend
states, put smooth pebbles in his mouth and spoke into the wind, to
improve his vocal range and articulation.
Instead of putting stones in your mouth, try this exercise with a pencil.Take a pencil and hold it horizontally, with your thumbs and fore-
fingers at each end. Place it in the back of your mouth, like a horse
bit. Slowly, with volume and awareness, repeat the above tongue
Remove the pencil and repeat the tongue twisters again. Does your
mouth feel more limber? Like exercising with ankle weights, when
you remove them you feel as if you can fly. This warm-up exercise
will increase your breathing awareness, work the muscles around
your mouth, and help you to improve articulation and vocal projection.
Most studies say that it takes about 21 days to develop a habit.Practice, drill, and rehearse. Focus on doing these exercises so that
you may go into the zone instantly.
As the great football coach, Vince Lombardi said, “Practice does not
make perfect. Perfect practice makes perfect.” As in any sport, keep
your eye on the ball, breathe, bend your knees, and follow through.Have fun with “The Sport of Speaking”®.
Rande Davis Gedaliah and Robert Gedaliah are speakers, coaches
and workshop facilitators. Since 1983, their company, “Speaking for
Results”® has worked with organizations that want to raise their
levels of performance and with people who want to communicate