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Lloyd's Of London
LLOYD\'S OF LONDON, generally known simply as LLOYD\'S, is an insurance market located in the City of London
London
, which exists inside London
London
. Unlike most of its competitors in the industry , it is not an insurance company. Rather, Lloyd's is a corporate body governed by the Lloyd's Act 1871 and subsequent Acts of Parliament and operates as a partially-mutualised marketplace within which multiple financial backers, grouped in syndicates , come together to pool and spread risk . These underwriters , or "members", are a collection of both corporations and private individuals, the latter being traditionally known as "Names". The business underwritten at Lloyd's is predominantly general insurance and reinsurance , although a small number of syndicates write term life assurance . The market has its roots in marine insurance and was founded by Edward Lloyd at his coffee house on Tower Street in 1686
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Blue Plaque
A BLUE PLAQUE is a permanent sign installed in a public place in the United Kingdom and elsewhere to commemorate a link between that location and a famous person or event, serving as a historical marker . The brainchild of British politician William Ewart in 1863, it is the oldest such scheme in the world. The world's first blue plaques were erected in London in the 19th century to mark the homes and workplaces of famous people. This scheme continues to the present day, having been administered successively by the Society of Arts (1867–1901), the London County Council (1901–1965), the Greater London Council (1965–1986), and English Heritage (1986 to date). Many other plaque schemes have since been initiated in the United Kingdom. Some are restricted to a specific geographical area, others to a particular theme of historical commemoration
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Cornhill, London
CORNHILL is a ward and street in the City of London
City of London
, the historic nucleus and financial centre of modern London
London
. The street runs between Bank junction
Bank junction
and Leadenhall Street
Leadenhall Street
. The hill from which it takes its name is one of the three ancient hills of London; the others are Tower Hill
Tower Hill
, site of the Tower of London
London
, and Ludgate Hill
Ludgate Hill
, crowned by St Paul\'s Cathedral . The highest point of Cornhill is at 17.7 metres (58 ft) above sea level. CONTENTS * 1 History * 2 Contemporary Cornhill * 2.1 Role in City elections * 3 References * 4 External links HISTORYCornhill is one of the traditional divisions of the City. The street contains two of the City churches designed by Sir Christopher Wren
Christopher Wren
: St
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Property Insurance
PROPERTY INSURANCE provides protection against most risks to property , such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance , earthquake insurance , home insurance , or boiler insurance . Property
Property
is insured in two main ways—open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes , floods , nuclear incidents , acts of terrorism , and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage-causing events as fire, lightning , explosion, and theft
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Latin
LATIN (Latin: _lingua latīna_, IPA: ) is a classical language belonging to the Italic branch of the Indo-European languages . The Latin alphabet
Latin alphabet
is derived from the Etruscan and Greek alphabets , and ultimately from the Phoenician alphabet . Latin
Latin
was originally spoken in Latium , in the Italian Peninsula . Through the power of the Roman Republic , it became the dominant language, initially in Italy and subsequently throughout the Roman Empire . Vulgar Latin developed into the Romance languages , such as Italian , Portuguese , Spanish , French , and Romanian . Latin
Latin
and French have contributed many words to the English language . Latin
Latin
and Ancient Greek
Ancient Greek
roots are used in theology , biology , and medicine
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Risk
RISK is the potential of gaining or losing something of value. Values (such as physical health , social status , emotional well-being, or financial wealth) can be gained or lost when taking risk resulting from a given action or inaction, foreseen or unforeseen. Risk can also be defined as the intentional interaction with uncertainty . Uncertainty is a potential, unpredictable, and uncontrollable outcome; risk is a consequence of action taken in spite of uncertainty. Risk perception is the subjective judgment people make about the severity and probability of a risk, and may vary person to person. Any human endeavor carries some risk, but some are much riskier than others
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Cartel
A CARTEL is a group of formally independent producers whose goal is to increase their collective profits by means of price fixing , limiting supply, or other restrictive practices . Cartels typically control selling prices, but some are organized to control the prices of purchased inputs. Antitrust laws forbid cartels; however, they continue to exist nationally and internationally, openly and secretly, formally and informally. Note that a single entity that holds a monopoly by this definition cannot be a cartel, though it may be guilty of abusing said monopoly in other ways. Cartels usually occur in oligopolies , where there are a small number of sellers and usually involve homogeneous products . Bid rigging is a special type of cartel
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Life Insurance
LIFE INSURANCE (or LIFE ASSURANCE, especially in the Commonwealth of Nations ), is a contract between an insurance policy holder and an insurer or assurer , where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses (such as funeral expenses) can also be included in the benefits. Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion
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San Francisco
California
California
------------------------- CSA San Jose–San Francisco–Oakland METRO San Francisco–Oakland–Hayward MISSION June 29, 1776 INCORPORATED April 15, 1850 FOUNDED BY José Joaquin Moraga Francisco Palóu NAMED FOR St. Francis of Assisi
Francis of Assisi
GOVERNMENT • TYPE Mayor-council • BODY Board of Supervisors • MAYOR Edwin M
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Market Capitalization
MARKET CAPITALIZATION (MARKET CAP) is the market value at a point in time of the shares outstanding of a publicly traded company , being equal to the share price at that point of time times the number of shares outstanding. As outstanding stock is bought and sold in public markets, capitalization could be used as an indicator of public opinion of a company's net worth and is a determining factor in some forms of stock valuation . Market capitalization
Market capitalization
is used by the investment community in ranking the size of companies, as opposed to sales or total asset figures. It is also used in ranking the relative size of stock exchanges , being a measure of the sum of the market capitalizations of all companies listed on each stock exchange. (See List of stock exchanges .) In performing such rankings, the market capitalizations are calculated at some significant date, such as 30 June or 31 December
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Ex Dividend
The EX-DIVIDEND DATE, also known as the REINVESTMENT DATE, is an investment term involving the timing of payment of dividends on stocks of corporations , income trusts , and other financial holdings, both publicly and privately held . If a sale is before this date, the dividend belongs to the new owner; if on or after the date, the seller is entitled to the dividend. If you purchase a stock on its ex-dividend date or after, you will not receive the next dividend payment. Instead, the seller gets the dividend. If you purchase before the ex-dividend date, you get the dividend. BACKGROUNDMany publicly traded companies, and some privately held ones, provide a dividend feature to their stock . Stock
Stock
shares trade fluidly on public markets, such that the state of share ownership differs at the end of each trading day, and any given share may have a series of various owners over time
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Asbestosis
ASBESTOSIS is a chronic inflammatory and scarring disease affecting the tissue of the lungs . People with the condition may experience severe shortness of breath and are at an increased risk for certain cancers , including lung cancer and, less commonly, mesothelioma . Asbestosis
Asbestosis
specifically refers to fibrosis within the lung tissue from asbestos, and not scarring around the outside of the lungs. It is caused by the breathing in and retention of asbestos fibers. It usually occurs after high intensity and/or long-term exposure to asbestos (particularly in those individuals working on the production or end-use of products containing asbestos) and is therefore regarded as an occupational lung disease . People with extensive occupational exposure to the mining, manufacturing, handling, or removal of asbestos are at risk of developing asbestosis
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