Do you want to know how Lloyd's works from the inside? Here, in easy terms, is a history and working description of that august institution, written by a city luminary who is an experienced broker and former Underwriting Member at Lloyd's. You'll find explained the important distinction between agents and brokers, marine and non-marine, insurance and re-insurance, slips and lines. The magical word 'Name' is defined, along with the equally important phrase 'Stop Loss' and that troublesome concept, 'unlimited liability'. Some of us might agree with the author that when Lloyd's moved to its brash new tubular premises in Lime Street, the writing was on the wall - if you could find one. What's right about Lloyd's, and what went wrong, is explained with clarity and insight. Plenty of humour is provided by the author's personal business recollections. But with recent events in the USA still fresh in the mind, he points out that the story of Lloyd's is marked by one great imponderable - human nature. And that's what makes it such a risky business. Graham Langmead was born in Dulwich in 1924. After leaving the army in 1948, he joined Lloyd's as a broker with C.T. Bowring, and spent many happy years travelling to North America and 'taking risks' in the United States and Canada. In 1973, fed up with train strikes, he decided to live near to his work and took up residence in the Barbican, when most of it was still a building site and the Barbican Arts Centre was just a hole in the ground. He was elected as a Common Councilman for the Ward of Tower in the City of London, where his office was located, later being appointed by the Alderman as a Deputy of the Ward. The Corporation of London is the onlynon-party local political authority in the country, and its elected members do not receive attendance money or expenses. They give their time free to civic activities. In 1995, he moved to the south coast, where he and his wife gaze contentedly at the sea from their second-floor patio, which is just big enough to entertain four (six at a pinch) to cocktails while watching the sun go down over the Isle of Wight.

COMPREHENSIVE EMERGENCY MANAGEMENT FOR LOCAL GOVERNMENTS: DEMYSTIFYING EMERGENCY PLANNING is a "how-to" guide for staff in small to mid-sized local governments. It is incumbent upon such local authorities to be as prepared as possible for the natural and human-caused emergencies that seem to be occurring with greater frequency throughout North America, whether large or small, urban or rural. Preparing for such an eventuality is not ad hoc or sporadic: it follows a logical process considering a wide range of important aspects well beyond what is traditionally considered emergency preparedness. Comprehensive Emergency Management (CEM) is a framework intended to guide novice emergency planners through the complete process of mitigation, preparedness, response and recovery. This work also includes an introductory chapter on the nature of local government emergency planning and a final chapter of tips on "putting it all together." Between these are detailed chapters on each of the four phases of comprehensive emergency management. The Mitigation chapter provides a thorough review of the concept of risk, risk assessment, management and communication. The Preparedness chapter constructs the preparedness plan which is an assembly of a general emergency management plan, four common priority plans covering public information, emergency social services, evacuation and telecommunications, and finally, hazard-specific preparedness plans for each hazard facing a community. The Response chapter covers the unique nature of response where the preparedness plan is put into use. Specifically, it addresses the scale of response by discussing mutual aid and supplementary resources. The Recovery chapter touches on the three cornerstones of recovery: staff, facilities and services. It also includes comments on the unique end to emergencies in addressing "Returning to Normal." Together they lead the emergency planner through the detailed process of compiling a comprehensive emergency management plan for their community. Beyond simply having the plan prepared, this book conveys the dynamic life of such a plan by stressing "the other 80%," which is training and exercising. Creating a training matrix for staff and developing a timetable of graduated exercises are those important steps beyond writing the plan that instill its principles and procedures. The book offers helpful advice on how a local government undertakes comprehensive emergency planning, who is assigned what tasks, and the ongoing obligations of those with such responsibilities. It is a treatment of the entire process of which writing a plan is only one part. There are many aspects to managing a successful, but more importantly effective, local government emergency program that are often overlooked by the novice or part-time emergency planner. This book provides a truly comprehensive view that any local government will benefit from.

The 1990s saw no progress in the financing of health care. About 40 million Americans still have no health insurance including 22 percent of America's children and 19 percent of young adults. And an economic downturn brings with it increased numbers of uninsured. What can be done? Mark V. Pauly and John S. Hoff answer with a tax credit/voucher system introduced in a common-sense way, with as much simplicity and flexibility as possible. The United States can launch such a program immediately and make needed adjustments along the way. The use of the credit assists people in obtaining insurance and provides tax equity. The authors chronicle changes in U.S. attitudes about health care and in the economic environment, tackle design issues, and consider policy trade-offs and problems of the technicalities of such a program. They offer a sample tax-credit plan and respond to possible objections to their plan.

"Automobile Insurance Made Simple" is a comprehensive, easy to understand consumer's guide to auto insurance. It explains the basic coverages provided by most auto insurance policies, along with simple and clear examples. The book explains how insurance companies determine how much you pay for auto insurance. Once you have this basic understanding, it's easy to see how you can save money on your auto insurance.

The book contains actual rating examples and premium charges with easy-to-follow charts and graphs. It provides tips on how to shop, what discounts to look for, and how not to become a victim of insurance fraud. It explains coverages.

This book is a valuable resource worth coming back to time and again. An absolute must buy if you live in New Jersey!

The $20 investment you make in this book can save you hundreds of dollars in just one year, even thousands of dollars over the course of your lifetime.

Eight out of ten Americans will have an accident in the next seven years. Baldyga delivers over three decades of personal injury, insurance claim experience in this easy-to-read book. Learn how to settle "pain and suffering" for top dollar. (Legal Reference)

Investigate the dynamic impact that curing catastrophic diseases, such as cancer, leukemia, and AIDS, will have on the insurance industry in the years ahead. A practical analysis for anyone concerned with the future of health and life insurance in America.

Getting Started in annuities

One of the most popular retirement investment options, annuities are also among the most difficult to comprehend. This handy volume provides an in-depth, easy-to-understand look at these complex instruments, revealing exactly what they are, how they work, and what advantages they have over other investment vehicles. Along with performance tables, sample portfolios, and a helpful Q & A section, you'll find up-to-date details on tax law changes, as well as complete information on:

Now updated to reflect the changing environment of business finance, this book includes new material on life insurance, life annuities and more. Students learn how to master effective problem-solving techniques with 1,224 practice problems and questions. The large number and variety of practical applications offer a feel for how to conduct business and financial transactions in the real world. Finally, review problems offer the opportunity for more study or self-testing.

Between 1987 and 1991, the portion of Americans covered by individually purchased health insurance dropped 40per cent. Assuming the US will continue to rely on private financing for health care, the author clarifies benefits to society from an efficient health insurance market.

This text analyses the effects on insurance markets and consumers, of proposals to require community rating in all health plans.

This book puts an end to unnecessary consumer spending by telling how to lower automobile insurance premiums, choose a good HMO or PPO health plan, reduce homeowner's insurance premiums, determine the amount of life insurance really needed, and more.

At the turn of the century, the North Carolina Mutual Life Insurance Company became the "world's largest Negro business." Located in Durham, North Carolina, which was known as the "Black Wall Street of America," this business came to symbolize the ideas of racial progress, self-help, and solidarity in America. Walter B. Weare's social and intellectual history, originally published in 1973 (University of Illinois Press) and updated here to include a new introduction, still stands as the definitive history of black business in the New South. Drawing on a wide range of sources--including personal papers of the company's leaders and oral history interviews--Weare traces the company's story from its ideological roots in the eighteenth century to its economic success in the twentieth century.

Die vorliegende Ausarbeitung zeigt konzeptionelle Grundlagen des Liquiditatsmanagements auf und stellt die Operationalisierung dieser UEberlegungen in fuhrenden deutschen Industrie- und Handelsunternehmen dar. Dies wird erganzt um Beispiele aus der externen Berichterstattung uber Liquiditat und Liquiditatsrisiken. Ausserdem wird ein UEberblick uber die Berucksichtigung von Liquiditat in den Beurteilungen der Analysten und Ratingagenturen sowie uber Untersuchungen zur Bewertung von Liquiditat an den Kapitalmarkten durch Eigen- und Fremdkapitalgeber gegeben.

Katharina Leest widmet sich der Aufrechterhaltung der Nachfrage nach Events in Zeiten einer immer naher kommenden terroristischen Bedrohung. Die Autorin entwickelt einen praxisnahen Katalog von allgemeingultigen Handlungsempfehlungen, welcher Loesungsansatze fur die Einflussnahme auf die durch den Terrorismus induzierten negativen Nachfrageffekte aufzeigt. Die stetig steigende Erlebnisorientierung steht in unmittelbarem Konflikt mit dem evolutionaren Sicherheitsbedurfnis. Die Realisierung eines zielgruppenspezifischen Gleichgewichts zwischen Sicherheit, Freiheit und Wirtschaftlichkeit ruckt in den Fokus.