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Welcome to TSB | Local Banking for Britain | Personal Banking

Visit TSB today and get some help with all of your personal finance needs including various bank accounts, loans, mortgages and other financial services.

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Finance is a field that is concerned with the allocation (investment) of assets and liabilities over space and time, often under conditions of risk or uncertainty. Finance can also be defined as the art of money management. Participants in the market aim to price assets based on their risk level, fundamental value, and their expected rate of return. Finance can be split into three sub-categories: public finance, corporate finance and personal finance.

The personal pronoun you is the second-person personal pronoun, both singular and plural, and both nominative and oblique case in Modern English. The oblique (objective) form, you, functioned previously in the roles of both accusative and dative, as well as all instances following a preposition. The possessive forms of you are your (used before a noun) and yours (used in place of a noun). The reflexive forms are yourself (singular) and yourselves (plural).

A need is something that is necessary for an organism to live a healthy life. Needs are distinguished from wants in that, in the case of a need, a deficiency causes a clear adverse outcome: a dysfunction or death. In other words, a need is something required for a safe, stable and healthy life (e.g. air, water, food, land, shelter) while a want is a desire, wish or aspiration. When needs or wants are backed by purchasing power, they have the potential to become economic demands. Basic needs such as air, water, food and protection from environmental dangers are necessary for an organism to live. In addition to basic needs, humans also have needs of a social or societal nature such as the human need to socialise or belong to a family unit or group. Needs can be objective and physical, such as the need for food, or psychological and subjective, such as the need for self-esteem. Needs and wants are a matter of interest in, and form a common substrate for, the fields of philosophy, biology, tpsychology, social science, economics, marketing and politics.

A welcome is a kind of greeting designed to introduce a person to a new place or situation, and to make them feel at ease. The term can similarly be used to describe the feeling of being accepted on the part of the new person. In some contexts, a welcome is extended to a stranger to an area or a household. "The concept of welcoming the stranger means intentionally building into the interaction those factors that make others feel that they belong, that they matter, and that you want to get to know them". It is also noted, however, that "[i]n many community settings, being welcoming is viewed as in conflict with ensuring safety. Thus, welcoming becomes somewhat self-limited: 'We will be welcoming unless you do something unsafe'". Different cultures have their own traditional forms of welcome, and a variety of different practices can go into an effort to welcome: Making a welcome is not a physical fabrication, though welcome may be embodied and fostered by appropriate physical arrangements. There can be an aesthetics of welcome. What is there when one makes a welcome? No thing really, and yet more than any thing. When one makes a welcome one creates the conditions that promise of home. One makes it possible for the other not any longer to feel outside or out of it, but to feel at home. Indications that visitors are welcome can occur at different levels. For example, a welcome sign, at the national, state, or municipal level, is a road sign at the border of a region that introduces or welcomes visitors to the region. A welcome sign might also be present for a specific community, or an individual building. One architect suggests that "[a] primary distinction between a gateway and a Welcome sign is that the gateway is usually designed and built by an outsider, a developer or architect, while the Welcome sign has been designed and built by an inside member of the community". A welcome mat is a doormat that welcomes visitors to a house or other building by providing them with a place to wipe their feet before entering. Another community tradition, the welcome wagon, a phrase that originally referred to an actual wagon containing a collection of useful gifts collected from residents of an area to welcome new people moving to that area.

Finance is a field that is concerned with the allocation (investment) of assets and liabilities over space and time, often under conditions of risk or uncertainty. Finance can also be defined as the art of money management. Participants in the market aim to price assets based on their risk level, fundamental value, and their expected rate of return. Finance can be split into three sub-categories: public finance, corporate finance and personal finance.

A mortgage loan or, simply, mortgage () is used either by purchasers of real property to raise funds to buy real estate, or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged. The loan is "secured" on the borrower's property through a process known as mortgage origination. This means that a legal mechanism is put into place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a Law French term used in Britain in the Middle Ages meaning "death pledge" and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure. A mortgage can also be described as "a borrower giving consideration in the form of a collateral for a benefit (loan)". Mortgage borrowers can be individuals mortgaging their home or they can be businesses mortgaging commercial property (for example, their own business premises, residential property let to tenants, or an investment portfolio). The lender will typically be a financial institution, such as a bank, credit union or building society, depending on the country concerned, and the loan arrangements can be made either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. The lender's rights over the secured property take priority over the borrower's other creditors, which means that if the borrower becomes bankrupt or insolvent, the other creditors will only be repaid the debts owed to them from a sale of the secured property if the mortgage lender is repaid in full first. In many jurisdictions, it is normal for home purchases to be funded by a mortgage loan. Few individuals have enough savings or liquid funds to enable them to purchase property outright. In countries where the demand for home ownership is highest, strong domestic markets for mortgages have developed. Mortgages can either be funded through the banking sector (that is, through short-term deposits) or through the capital markets through a process called "securitization", which converts pools of mortgages into fungible bonds that can be sold to investors in small denominations.

Lloyds Bank plc is a British retail and commercial bank with branches across England and Wales. It has traditionally been considered one of the "Big Four" clearing banks. The bank was founded in Birmingham in 1765. It expanded during the nineteenth and twentieth centuries and took over a number of smaller banking companies. In 1995 it merged with the Trustee Savings Bank and traded as Lloyds TSB Bank plc between 1999 and 2013. The bank is the principal subsidiary of Lloyds Banking Group, which was formed in January 2009 by the acquisition of HBOS by the then-Lloyds TSB Group. That year, following the UK bank rescue package, the British Government took a 43.4% stake in Lloyds Banking Group. As a condition imposed by the European Commission regarding state aid, the group later announced that it would create a new standalone retail banking business, made up of a number of Lloyds TSB branches and those of Cheltenham & Gloucester. The new business began operations on 9 September 2013 under the TSB brand. Lloyds TSB was subsequently renamed Lloyds Bank on 23 September 2013. On 17 March 2017, the British Government confirmed its remaining shares in Lloyds Banking Group had been sold.Lloyds Bank is the largest retail bank in Britain, and has an extensive network of branches and ATM in England and Wales (as well as an arrangement for its customers to be serviced by Bank of Scotland branches in Scotland, Halifax branches in Northern Ireland and vice versa) and offers 24-hour telephone and online banking services. As of 2012 it has 16 million personal customers and small business accounts.It has its operational Headquarters in London and other offices in Wales and Scotland. It also operates a number of office complex, brand headquarters and data centres in Yorkshire including Leeds, Sheffield and Halifax.

The vertical bar ( | ) is a computer character and glyph with various uses in mathematics, computing, and typography. It has many names, often related to particular meanings: Sheffer stroke (in logic), verti-bar, vbar, stick, vertical line, vertical slash, bar, pike, or pipe, and several variants on these names. It is occasionally considered an allograph of broken bar (see below).


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