Life insurance
Life insurance 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 in exchange for a premium, upon the death of an insured person. Depending on the contract, other events such as terminal illness or critical illness can trigger payment; the policy holder pays a premium, either or as one lump sum. Other expenses, such as funeral expenses, can 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 written into the contract to limit the liability of the insurer. Modern life insurance bears some similarity to the asset management industry and life insurers have diversified their products into retirement products such as annuities. Life-based contracts tend to fall into two major categories: Protection policies – designed to provide a benefit a lump sum payment, in the event of a specified occurrence.
A common form—more common in years past—of a protection policy design is term insurance. Investment policies – the main objective of these policies is to facilitate the growth of capital by regular or single premiums. Common forms are whole life, universal life, variable life policies. An early form of life insurance dates to Ancient Rome; the first company to offer life insurance in modern times was the Amicable Society for a Perpetual Assurance Office, founded in London in 1706 by William Talbot and Sir Thomas Allen. Each member made an annual payment per share on one to three shares with consideration to age of the members being twelve to fifty-five. At the end of the year a portion of the "amicable contribution" was divided among the wives and children of deceased members, in proportion to the number of shares the heirs owned; the Amicable Society started with 2000 members. The first life table was written by Edmund Halley in 1693, but it was only in the 1750s that the necessary mathematical and statistical tools were in place for the development of modern life insurance.
James Dodson, a mathematician and actuary, tried to establish a new company aimed at offsetting the risks of long term life assurance policies, after being refused admission to the Amicable Life Assurance Society because of his advanced age. He was unsuccessful in his attempts at procuring a charter from the government, his disciple, Edward Rowe Mores, was able to establish the Society for Equitable Assurances on Lives and Survivorship in 1762. It was the world's first mutual insurer and it pioneered age based premiums based on mortality rate laying "the framework for scientific insurance practice and development" and "the basis of modern life assurance upon which all life assurance schemes were subsequently based". Mores gave the name actuary to the chief official—the earliest known reference to the position as a business concern; the first modern actuary was William Morgan, who served from 1775 to 1830. In 1776 the Society carried out the first actuarial valuation of liabilities and subsequently distributed the first reversionary bonus and interim bonus among its members.
It used regular valuations to balance competing interests. The Society sought to treat its members equitably and the Directors tried to ensure that policyholders received a fair return on their investments. Premiums were regulated according to age, anybody could be admitted regardless of their state of health and other circumstances; the sale of life insurance in the U. S. began in the 1760s. The Presbyterian Synods in Philadelphia and New York City created the Corporation for Relief of Poor and Distressed Widows and Children of Presbyterian Ministers in 1759. Between 1787 and 1837 more than two dozen life insurance companies were started, but fewer than half a dozen survived. In the 1870s, military officers banded together to found both the Army and the Navy Mutual Aid Association, inspired by the plight of widows and orphans left stranded in the West after the Battle of the Little Big Horn, of the families of U. S. sailors. The person responsible for making payments for a policy is the policy owner, while the insured is the person whose death will trigger payment of the death benefit.
The owner and insured may not be the same person. For example, if Joe buys a policy on his own life, he is both the insured, but if Jane, his wife, buys a policy on Joe's life, she is the owner and he is the insured. The policy owner is the guarantor and he will be the person to pay for the policy; the insured is a participant in the contract, but not a party to it. The beneficiary receives policy proceeds upon the insured person's death; the owner designates the beneficiary. The owner can change the beneficiary. If a policy has an irrevocable beneficiary, any beneficiary changes, policy assignments, or cash value borrowing would require the agreement of the original beneficiary. In cases where the policy owner is not the insured, insurance companies have sought to limit policy purchases to those with an insurable interest in the CQV. For life insurance policies, close family members and business partners will be found to have an insurable interest; the insurable interest requirement demon
Market Square, Turku
The Market Square is a city square in the city of Turku, in Finland. It is located in the city's VI District, is considered the city's central square, it hosts a lively market on weekdays, there are several cafés and restaurants on the square. The buildings around the Market Square are part of the city's central business district, they include, for instance, the Hansa and Forum shopping centres, the Wiklund department store, an Orthodox church, a private medical clinic, several instances of media such as an office of Finland's major newspaper Helsingin Sanomat, locally most significant newspaper Turun Sanomat and Yle. Two of the four streets around the rectangular square, Aurakatu/Auragatan and Eerikinkatu/Eriksgatan, are barred from all traffic other than the city's public transport buses and taxis; the square is somewhat of a public transport hub: there are 14 bus stops around the square and the majority of local and regional buses in Turku stop there. There is a taxi rank on the north side of the square, on Yliopistonkatu/Universitetsgatan, reserved for taxis only between midnight and 06:00.
Turku's city council is discussing plans to build a two-storey car park under the square, with spaces for 700 cars in order to help with perceived parking problems in the city centre, which are not confirmed to be existing in any research or numbers. The construction scheme would include turning Yliopistonkatu/Universitetsgatan and Aurakatu/Auragatan into pedestrian streets and moving the bus stops to Kauppiaskatu/Köpmansgatan on the east side of the square, which would be restricted for public transport only. Critics have argued that the planned parking complex would increase pollution in the city centre and create disturbance in the lengthy construction stage. Many people see it as unnecessary, since there are many such complexes in the city centre. In the 2008, names of 13,000 citizens of Turku was collected in street survey for having a referendum. Media related to Turku Market Square at Wikimedia Commons
Real estate
Real estate is "property consisting of land and the buildings on it, along with its natural resources such as crops, minerals or water. Also: the business of real estate, it is a legal term used in jurisdictions whose legal system is derived from English common law, such as India, Wales, Northern Ireland, United States, Pakistan and New Zealand. Residential real estate may contain either a single family or multifamily structure, available for occupation or for non-business purposes. Residences can be classified by. Different types of housing tenure can be used for the same physical type. For example, connected residences might be owned by a single entity and leased out, or owned separately with an agreement covering the relationship between units and common areas and concerns. Major categoriesAttached / multi-unit dwellings Apartment or Flat – An individual unit in a multi-unit building; the boundaries of the apartment are defined by a perimeter of locked or lockable doors. Seen in multi-story apartment buildings.
Multi-family house – Often seen in multi-story detached buildings, where each floor is a separate apartment or unit. Terraced house – A number of single or multi-unit buildings in a continuous row with shared walls and no intervening space. Condominium – A building or complex, similar to apartments, owned by individuals. Common grounds and common areas within the complex are shared jointly. In North America, there are rowhouse style condominiums as well; the British equivalent is a block of flats. Cooperative – A type of multiple ownership in which the residents of a multi-unit housing complex own shares in the cooperative corporation that owns the property, giving each resident the right to occupy a specific apartment or unit. Semi-detached dwellings Duplex – Two units with one shared wall. Detached dwellings Detached house or single-family detached house Portable dwellings Mobile homes or residential caravans – A full-time residence that can be movable on wheels. Houseboats – A floating home Tents – Usually temporary, with roof and walls consisting only of fabric-like material.
The size of an apartment or house can be described in square meters. In the United States, this includes the area of "living space", excluding the garage and other non-living spaces; the "square meters" figure of a house in Europe may report the total area of the walls enclosing the home, thus including any attached garage and non-living spaces, which makes it important to inquire what kind of surface area definition has been used. It can be described more by the number of rooms. A studio apartment has a single bedroom with no living room. A one-bedroom apartment has a dining room separate from the bedroom. Two bedroom, three bedroom, larger units are common. Other categoriesChawls Villas HavelisThe size of these is measured in Gaz, Marla and acre. See List of house types for a complete listing of housing types and layouts, real estate trends for shifts in the market, house or home for more general information, it is common practice for an intermediary to provide real estate owners with dedicated sales and marketing support in exchange for commission.
In North America, this intermediary is referred to as a real estate broker, or a real estate agent in everyday conversation, whilst in the United Kingdom, the intermediary would be referred to as an estate agent. In Australia the intermediary is referred to as a real estate agent or real estate representative or the agent
Swedish krona
The krona is the official currency of Sweden. Both the ISO code "SEK" and currency sign "kr" are in common use. In English, the currency is sometimes referred to as the Swedish crown, as krona means crown in Swedish; the Swedish krona was the ninth-most traded currency in the world by value in April 2016. One krona is subdivided into 100 öre. However, all öre coins have been discontinued as of 30 September 2010. Goods can still be priced in öre, but all sums are rounded to the nearest krona when paying with cash; the word öre is derived from the Roman gold coin aureus, which in itself comes from the Latin word aurum, meaning gold. The introduction of the krona, which replaced at par the riksdaler, was a result of the Scandinavian Monetary Union, which came into effect in 1876 and lasted until the beginning of World War I; the parties to the union were the Scandinavian countries, where the name was krona in Sweden and krone in Denmark and Norway, which in English means "crown". The three currencies were on the gold standard, with the krona/krone defined as 1⁄2480 of a kilogram of pure gold.
After dissolution of the monetary union in August 1914, Sweden and Norway all decided to keep the names of their respective and now separate currencies. On 11 September 2012, the Riksbank announced a new series of coins with new sizes to replace the 1- and 5-krona coins which arrived in October 2016; the design of the coins follows the theme of singer-songwriter Ted Gärdestad's song, "Sol, vind och vatten", with the designs depicting the elements on the reverse side of the coins. This included the reintroduction of the 2-krona coin, while the current 10-krona coin remained the same; the new coins have a new portrait of the king in their design. One of the reasons for a new series of coins is to end the use of nickel, it is expected that vending machines and parking meters will to a high degree stop accepting coins and accept only bank cards or mobile phone payments. Cash is less used in Sweden, with many young people avoiding cash as much as possible. Between 1873 and 1876, coins in denominations of 1, 2, 5, 10, 25, 50 öre and 1, 2, 10, 20 kronor were introduced.
The 1, 2 and 5 öre were in bronze, the 10-, 25-, 50-öre and 1-krona and 2-krona were in silver, the 10- and 20-krona were in gold. Gold 5-krona coins were added in 1881. In 1873 the Scandinavian Monetary Union currency was fixed so that 2,480 kronor purchased 1 kg of gold. In 2017 the price of gold is 365,289 kronor per kg. So one öre in 1873 bought as much gold as 1.47 krona in 2017. So if it is reasonable to have the smallest denomination coin 1 krona today, in 1873 a reasonable smallest denomination coin was 1 öre. A 10 kr gold coin weighed 4.4803 grams with 900 finess so that the fine weight was 4.03327 grams or 1/248th of a kilogram. In 1902, production of gold coins ceased, was restarted in 1920 and 1925 before ceasing entirely. Due to metal shortages during World War I, iron replaced bronze between 1917 and 1919. Nickel-bronze replaced silver in the 10, 25 and 50 öre in 1920, with silver returning in 1927. Metal shortages due to World War II again led to changes in the Swedish coinage. Between 1940 and 1947, the nickel-bronze 10, 25 and 50 öre were again issued.
In 1942, iron again replaced the silver content of the other coins was reduced. In 1962, cupronickel replaced silver in the 25-öre and 50-öre coins. In 1968, the 2 kronor switched to cupronickel and the 1-krona switched to cupronickel-clad copper. Nonetheless, all previous mintages of 1- and 2-krona coins are still legal tender, since 1875 and 1876 though 2-krona coins are rarely seen in circulation as they have not been issued since 1971; the 2-krona coins contained 40% silver until 1966, which meant they had been for several years worth much more than two kronor, so most have been bought and melted down by arbitrageurs, the rest are kept by collectors). A new design of 2-krona coins will be issued in 2016. In 1954, 1955 and 1971, five-krona silver coins were produced, with designs similar to contemporary 1- and 2-krona coins. In 1972, a new, smaller 5-krona coin was struck in cupronickel-clad nickel; the current design has been produced since 1976. Five-krona coins minted since 1954 are legal tender but tend to be kept by collectors for their silver content.
In 1971, the 1- and 2-öre, as well as the 2-krona coins ceased production. The size of the 5-öre coin was reduced in 1972. In 1984, production of the five- and 25-öre coins came to an end, followed by that of the 10-öre in 1991. In 1991, aluminium-brass 10-krona coins were introduced. Previous 10-krona coins are not legal tender. In 1991, bronze-coloured 50-öre coins were introduced. Jubilee and commemorative coins have been minted and those since 1897 or are legal tender; the royal motto of the monarch is inscribed on many of the coins. The 5-krona coin was designed in 1974, at a time when there were political efforts to abandon the monarchy, when there was a new young inexperienced king; the monarchy remained. Coins minted before 1974 have the same size, but contain the portrait of King Gustav VI Adolf and his royal motto. On 18 December 2008, the Riksbank announced a proposal to phase out the 50-öre, the final öre c
Early 1990s depression in Finland
The early 1990s depression in Finland was one of the worst economic crises in Finland's history worse there than the depression of the 1930s. The depression of 1991–1993 had a deep effect on the economy of Finland throughout the 1990s in terms of employment but in culture and the general sociopolitical atmosphere. During this period the gross national product decreased 13% and the unemployment rose to 18.9% from 3.5%. Since despite overall recovery, the unemployment has been persistent, Finland has never returned to the state of near full employment that existed before the crisis. Underlying the depression of the 1990s was the economic policy of the 1980s. Finland experienced a strong economic boom throughout the 1980s which dragged on and "overheated" the economy, leading to the corrective contraction of the depression. One reason for this was a change in Finnish banking laws in 1986 which allowed Finnish companies to more seek credit from foreign banks, less expensive than Finnish domestic credit.
This led to a large-scale search for foreign loan sources, which helped to undermine the strength of the Finnish central bank. Additionally, regulation of consumer credit was drastically relaxed, the consumer loan portfolio increased at times by more than 100% per year; these factors led to the strong short-term growth which in turn raised commercial and residential property values, increased the amount of money in the national economy in an unsustainable manner. Stock and real estate bubbles created an environment in which large short-term profits were posted, leading to an artificially inflated appearance of great wealth in the economy; the term "casino economy" was used to describe using loans to get rich quickly on paper through exploiting these bubbles. The big devaluation, made in November 1991 increased the debts of Finnish companies holding foreign loans; the loans that were taken in foreign currencies did not properly scale with the devaluation which the Kouri–Porter model had shown as early as in 1974.
This model was not followed in Finland in connection with the freeing of money market. However, the number of the foreign currency loans was only 15% of the whole loan stock; the collapse of the Soviet Union played an important role, as it had represented 15–20 per cent of Finland's foreign trade, the so-called bilateral trade. Thus a key Finnish export market disappeared nearly overnight; the rising price of oil during the years 1973 and 1979 combined with the advent of Finland becoming much more "motorized" had raised the level of the bilateral trade with the Soviet Union. During this period, oil itself was used as currency for international trade between the two countries. Furthermore, political decisions based on the strength of the Finnish mark weakened the international competitiveness of Finnish industry; the paper industry in particular, on which much of the Finnish economy was reliant experienced worldwide overproduction during this time. Consumption and investment fell in the both public and private sector as a consequence of the depression.
The number of the bankruptcies of companies rose and these bankruptcies in combination with the weak economic situation caused mass unemployment. Unemployment during the years 1992–1997 was over 12 per cent and went as high as 36.7% in construction industry during year 1994. Smaller banks ended up absorbed by big ones, due to difficulty maintaining profitability as a result of risky loans made to companies which went bankrupt, resulting in a nationwide bank crisis; the budget deficit of the state of Finland was several per cent of the GNP. Furthermore, Finland's sovereign credit rating was downgraded; the liquidity of the banking system of Finland weakened as a consequence of the bank crisis. The government answered here by guaranteeing in 1991 the debts taken by the Finnish banks. To help the export industry, Finland performed devaluations during the years 1991 and 1992. Concurrently, the entrepreneurs who had taken foreign currency loans found themselves in a financially disadvantageous position.
To save banks, the state deposit insurance fund, OHY Arsenal, was established and divided among loan-making banks. The biggest recipients were the savings bank group Suomen Säästöpankki and Säästöpankkien keskusosakepankki, a bank owned by small local savings banks; the remaining banks received financial support. The savings bank group was liquidated and divided among the Osuuspankki Group, KOP, Postipankki and Yhdyspankki. In 1994, KOP had to merge with Yhdyspankki to form Merita Bank, merged to Nordea. National government and municipal spending were cut to guarantee the liquidity of the country; this weakened, among social services. In 1995, Lipponen continued to operate under these austerity measures which had restricted government expenditures for a period after the depression had formally ended; the Finnish economy began to recover beginning in the middle of the 1990s. The depression of the beginning of the 1990s was localized in the Nordic countries, each nation's economic difficulty had a reverberating effect among the others.
In other parts of the world the economy, grew in an ordinary way, Finland indeed recovered quite nicely in short order with export-led economic growth after Finland's local financial matters had been settled. The guiding star was the then-conglomerate Nokia, which focused its efforts on mobile telephony and grew into a world market leader in less than a decade. Finnish banking crisis of 1990s Early 1990s recession
Chief executive officer
The chief executive officer or just chief executive, is the most senior corporate, executive, or administrative officer in charge of managing an organization – an independent legal entity such as a company or nonprofit institution. CEOs lead a range of organizations, including public and private corporations, non-profit organizations and some government organizations; the CEO of a corporation or company reports to the board of directors and is charged with maximizing the value of the entity, which may include maximizing the share price, market share, revenues or another element. In the non-profit and government sector, CEOs aim at achieving outcomes related to the organization's mission, such as reducing poverty, increasing literacy, etc. In the early 21st century, top executives had technical degrees in science, engineering or law; the responsibility of an organization's CEO are set by the organization's board of directors or other authority, depending on the organization's legal structure.
They can be far-reaching or quite limited and are enshrined in a formal delegation of authority. Responsibilities include being a decision maker on strategy and other key policy issues, leader and executor; the communicator role can involve speaking to the press and the rest of the outside world, as well as to the organization's management and employees. As a leader of the company, the CEO or MD advises the board of directors, motivates employees, drives change within the organization; as a manager, the CEO/MD presides over the organization's day-to-day operations. The term refers to the person who makes all the key decisions regarding the company, which includes all sectors and fields of the business, including operations, business development, human resources, etc; the CEO of a company is not the owner of the company. In some countries, there is a dual board system with two separate boards, one executive board for the day-to-day business and one supervisory board for control purposes. In these countries, the CEO presides over the executive board and the chairman presides over the supervisory board, these two roles will always be held by different people.
This ensures a distinction between management by the executive board and governance by the supervisory board. This allows for clear lines of authority; the aim is to prevent a conflict of interest and too much power being concentrated in the hands of one person. In the United States, the board of directors is equivalent to the supervisory board, while the executive board may be known as the executive committee. In the United States, in business, the executive officers are the top officers of a corporation, the chief executive officer being the best-known type; the definition varies. In the case of a sole proprietorship, an executive officer is the sole proprietor. In the case of a partnership, an executive officer is a managing partner, senior partner, or administrative partner. In the case of a limited liability company, executive officer is any manager, or officer. A CEO has several subordinate executives, each of whom has specific functional responsibilities referred to as senior executives, executive officers or corporate officers.
Subordinate executives are given different titles in different organizations, but one common category of subordinate executive, if the CEO is the president, is the vice-president. An organization may have more than one vice-president, each tasked with a different area of responsibility; some organizations have subordinate executive officers who have the word chief in their job title, such as chief operating officer, chief financial officer and chief technology officer. The public relations-focused position of chief reputation officer is sometimes included as one such subordinate executive officer, but, as suggested by Anthony Johndrow, CEO of Reputation Economy Advisors, it can be seen as "simply another way to add emphasis to the role of a modern-day CEO – where they are both the external face of, the driving force behind, an organisation culture". In the US, the term chief executive officer is used in business, whereas the term executive director is used in the not-for-profit sector; these terms are mutually exclusive and refer to distinct legal duties and responsibilities.
Implicit in the use of these titles, is that the public not be misled and the general standard regarding their use be applied. In the UK, chief executive and chief executive officer are used in both business and the charitable sector; as of 2013, the use of the term director for senior charity staff is deprecated to avoid confusion with the legal duties and responsibilities associated with being a charity director or trustee, which are non-executive roles. In the United Kingdom, the term director is used instead of chief officer". Business publicists since the days of Edward Bernays and his client John D. Rockefeller and more the corporate publicists for Henry Ford, promoted the concept of the "celebrity CEO". Business journalists have adopted this approach, which assumes that the corporate achievements in the arena of manufacturing, wer
Wetherby
Wetherby is a market town and civil parish within the City of Leeds metropolitan borough, in West Yorkshire, England. Close to the county's border with North Yorkshire, it stands on the River Wharfe, for centuries has been a crossing place and staging post on the Great North Road midway between London and Edinburgh. A part of the Claro Wapentake within the West Riding of Yorkshire, Wetherby is mentioned in the Domesday Book of 1086 as Wedrebi, thought to derive from wether- or ram-farm or else meaning "settlement on the bend of a river". Wetherby Bridge, which spans the River Wharfe, is a Scheduled Ancient Monument and a Grade II listed structure; the course of the Old Great North Road passes through the town and, as result of its situation on the road, a large number of coaching inns were established in Wetherby which are still used by travellers today. The town was listed in the 2018 Sunday Times report on Best Places to Live in northern England, it sits in the Wetherby ward of Leeds City Council and Elmet and Rothwell parliamentary constituency.
In the 12th and 13th centuries the Knights Templar and the Knights Hospitallers were granted land and properties in Yorkshire. The local preceptory founded in 1217 was at Ribston Park. In 1240 the Knights Templar were granted by Royal Charter of Henry III the right to hold a market in Wetherby. On Thursdays and a yearly fair was permitted lasting three days over the day of St James the Apostle. From 1318 to 1319 the North of England suffered many raids from the Scots. After the Battle of Bannockburn Wetherby was burned and many people were taken and killed. According to the blue plaque at the entrance to the lane, Scott Lane could be named after the Scottish raiders in 1318 or the 18th-century drovers who used Wetherby as a watering place. In the English Civil War in 1644, before marching to Tadcaster and on to Marston Moor, the Parliamentarians spent two days in Wetherby joining forces with the Scots. In the heyday of the coaching era, Wetherby had up to forty alehouses; the first recorded mail coach arrived in Wetherby in 1786.
In 1824, William Cavendish, 6th Duke of Devonshire sold the town of Wetherby to finance work at Chatsworth. Wetherby provides the setting for the novel Oldbury by Annie Keary. During the First World War, many Wetherby men served with either the 5th or 9th Battalion, West Yorkshire Regiment, which had great losses in Flanders. A war memorial designed by E. F. Roslyn was dedicated on 22 April 1922. In 1918, residents contributed to support the crew of the Racecourse class minesweeper HMS Wetherby despite hardship and shortages caused by the war. During the Second World War, nearby RAF Tockwith was renamed RAF Marston Moor to avoid confusion with RAF Topcliffe. Part of the airfield is now a driver training centre and the old control tower is used as the offices. Parts of the runways can still be seen. Clark Gable was stationed at Marston Moor, during the Second World War, as a member of the USAAF ground staff, with the rank of captain, he was transferred to RAF Polebrook in Northamptonshire. Adolf Hitler offered a reward to anyone, able to catch the airman.
Group Captain Leonard Cheshire was stationed at Marston Moor for a short while before leaving to become commander of the 617 Dam Buster squadron. Wetherby had the only stone frigate north of London, named in turn; the base was transferred to Chatham. Throughout the 1960s the town council deliberated over how best to enlarge the town centre to cope with the needs of a growing population and to provide the town with a purpose built supermarket. Plans were put forward to enlarge the town over the ings, or to develop the town centre into a pedestrian precinct. In the end it was decided to build a purpose built shopping precinct, built in the 1970s and underwent a significant redevelopment throughout 2003. By 2006 the remaining open parts of the Horsefair Centre were enclosed under a glass canopy roof. Since 2010 Wetherby has been in a marginal seat. Wetherby is an electoral ward of Leeds City Council and has a town council responsible for amenities such as parks. – Privas, France Micklethwaite was a village in its own right but its identity as a separate place has disappeared since the Micklethwaite Farm's buildings were demolished in the 2000s and replaced by 150 dwellings known as'Micklethwaite'.
It is situated south of the River Wharfe and contains the police station, magistrates court, the Ramada Jarvis Hotel and the town's Leisure Centre and Swimming Baths. Wetherby Athletic and Wetherby Bulldogs RLFC play on the Wetherby ings, while Wetherby RUFC and Wetherby CC play at Grange Park. Ainsty is off the B1224 Deighton Road, its earliest buildings date from the 1940s made up of private housing. Much of the area was built by developer Norman Ashton in the 1960s, its amenities have declined leaving only three shops on the estate, a Co-op, a dog grooming shop and a decorating shop. Hallfield in the southeast is a large council estate and has some houses built by the prison service and some sheltered housing; the area is home to Wetherby High School, St James' Primary School, the cemetery, the Church on the Corner and Mason House Community Centre. A new medical centre has been built on the edge of the estate on the site of the demolished Hallfield Mansion. Deighton Bar is situated in the northeast bordering Ainsty and Sandbeck and the village of Kirk Deighton in North Yorkshire, as is one street in Deighton Bar, Autumn Avenue.
The oldest houses are in a row of terrace houses on Deighton Road. The area is home to Deighton Gates
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Selected members of the Euro Banking Association