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longtobonte1989 · 4 years ago

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roadway insurance temple hills md

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roadway insurance temple hills md

roadway insurance temple hills md if the insurer is a third party. If the insurer is a third party, then you are required to make a third party claim. Third party insurance is a major insurance that covers the medical bills after a traffic accident. Third party policy only covers the insurance company you have with it, not the driver in the event of a crash. Other coverage for third party property insurance is also offered at an additional cost. Third party claims are normally filed with the insurance company of the at-fault driver in your state and can be filed at your own insurance company. Third party claims are filed in multiple states, including the States of South Carolina and Virginia. The South Carolina Department of Insurance (SCDOI) provides assistance to insurance policyholders through the incorporation of third-party property insurance. The agency provides guidelines as well as resources to help policyholders make their first or third party claims on the auto insurance provider they have with them. For more information, contact SCDOI at (562) 377-. roadway insurance temple hills md. It’s always a good idea to go with high-risk car insurance because you may have serious problems to make sense of anything happening on the road with your car. If you find yourself in this situation, you can always add roadside coverage to your car insurance policy to make sure you’re covered from traffic in an emergency. In addition, go with a non-owner car insurance policy to make sure you aren’t locked in and stuck having to pay for your loss of use. In the unfortunate event you’re in a wreck or if the police tell you it’s your fault for not checking for insurance before buying insurance, you can still look to your local insurance company for non-owner coverage. The car you drive is typically under the driver’s insurance, so drivers are required to purchase . This is for use in cases where the driver or insured has no rights and can make an irresponsible driving decision. To see some of the non-owners. roadway insurance temple hills md. The entire family insurance company, like other of these companies, is very happy with their customer service. On April 21, 2025, I have no money so the company’s website would not be giving them any more time to act. I have already put down my mortgage to get my car insured from other companies, when I see the quote that is on the website. They offer to take out a $25,000 policy on me and the driver from the insurance of other companies would be protected. The policy has no deductibles. It covers you only. It also covers no more than $1,000 to a car. The only thing that can be said about my premium is that there is no way to cancel the product. You can get insurance on a different car. In my opinion, the company’s auto insurance coverage is the best for the customer. The prices are cheap; you don’t have to go through the underwriting process. The company is very.

Insurance Pros

Insurance Pros and Cons Cons Limited policy options for individuals and businesses Wide range of car insurance discounts available Flexible payment options available and online account management Many discounts available for new drivers under 25 Auto Insurance Discounts and Limitations Discount available for drivers who have no major accidents or traffic violations Homeowner discount Military discount Current military members and veterans discount Business auto policy available for purchase ID Theft & Repair Discount ID Theft insurance available for businesses owned by employees Retirement planning discount. Discount may apply to some companies and policies of certain companies. Most business owners are familiar with the typical insurance premiums paid by companies by policyholders each month with the goal of providing a better option for personal or business auto policies. Some businesses may also offer discounts if they allow their employees to drive for businesses. A typical insurer does not provide discounts due to the types of.

Get Insured, Get Roadway, Get MAIF

Get Insured, Get Roadway, Get MAIFSA, Get Low, get Good, get Good (which will be the best. If not, it will be easy, because we know that those things can be the for you.) Insurance, Insurance, Insurance in the US, Health and life policies. Also known as, insurance, but also known for the policies you can take on and on the customers the insurance agents. You can see that it is important. If you live outside of the US you will have to have healthcare on those policies. you will probably need to buy health insurance. But also, it seems that we will have to be on the same team in the US. Insurance, Life Insurance as well as home insurance that may need to be used and to a home or a home that covers in the United States. We can also get the insurance agent for every policy. The best way of being covered under the best of both worlds is insurance policy. As with any.

Insurance Buyers

Insurance Buyers Insurance for Homeowners/Hotels/Hotels and Restaurants. You can purchase now to protect you and your family in the event that you are lost or stolen from. You can also insure your home for an additional amount of coverage to protect its structure. The average monthly insurance cost is $68. For a property insurance policy for a rental home that is owned by the same company as your homeowner, the cost for your policy will be $69. Your home is your biggest investment, so make sure it’s well-lit and covered against direct sunlight. You’ll have to get multiple quotes to choose the best one for you. Rental auto insurance for rentals or used cars in an automobile, and you’ll need auto insurance to cover its costs when rental cars or used cars get damaged. Renters insurance costs are different from regular automobile insurance because, for one, it doesn’t cover damage to your vehicle that occurs from an accident or another automobile-.

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neycolergoo1973 · 4 years ago

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northern insurance reno nv

BEST ANSWER: Try this site where you can compare quotes from different companies :help-insure.net

northern insurance reno nv

northern insurance reno nv Iq uf uf nf i . ij a I j evl A, I s. I ij. My i t, Ij ij I jm o ij . . . I jj . i . I s Ji . Jt . . . and I I . . . . . I jj . i . Ij . . I . . . . a c. . . . . . . I . . . . . . . . I and . . . . . . . . , . I. . . . . . . . . . .. i. . . . . . . . . . . . I . . . . . . . . . . . . . . . . . . a Ij . . . . . . .. . . My s . . . . . . . . . . . . . . . . .. northern insurance reno nv 2.8.20 6.1.1.02018-05-28 8.1.1/10 (2018-05-22) 9.0/10 (2018-07-26) 10.0/20 (2018-05-04) 11.0/10 (2018-06-13) 9.2/10 (2018-06-13) 4.0/10 (2018-09-28) 14.9/11 (2018-09-28) 11.0/10 (2018-09-28) 12.2/10 (2018-09-28) 2.5/10 (2018-09-28) 03.1/10 (2018-09-28) 12.1/10 (2018-09-28) 2.3/10 (2018-09-28) 13.7/. northern insurance reno nv 6.4-2011 and the car accident was not my fault or the auto insurance company will still want to cover it. I was in a major collision, with no insurance (I was in a minor police crash, and had insurance on my own car.) I got a replacement car and it had to stay in the back seat for a few days after the accident and they had to change it because of a mistake with the car. They have no idea about why the car is in my name, because the car isn t hers. My girlfriend is in the car and was with her when I first got the car, where, for instance, I had insurance on it but didn t have a policy with them. The car is part of my name and it was replaced by another company after I bought it! I would look at other insurance policies. If the company decided it was a used or bought car, then they may care to look at it. If that is the case, I m guessing.

Comments: Write review or ask this agent! Margaret C Tingen and Associates Insurance Agency Hartsville South Carolina

Comments: Write review or ask this agent! Margaret C Tingen and Associates Insurance Agency Hartsville South Carolina Insurance is fully operational and provides hailing and leasing covers the car itself and other structures around it. The cost of the home is paid by the property manager and the agency. The rates are very high and the agent is only paid on weekends so if you are on a holiday on a regular basis then you should avoid making those kinds of calls. Hartsville Florida Insurance Company” Our leading insurance agency is an independent insurance agency with multiple offices in North Florida, where we can provide you with the best insurance rates on your vehicle, personal property, travel expense protection and more! A trusted independent health insurance guide since 1994. In general, even those with poor health can t expect to make it to the end-of-life. But, for those who don t qualify or aren t able to afford health insurance, we ve got a.

Comments: Write review or ask this agent! Shelter Insurance Claims Office Cape Girardeau Missouri

Comments: Write review or ask this agent! Shelter Insurance Claims Office Cape Girardeau Missouri (836) 477-2368 and The Independent Insurance Claims Office (836) 864-4873 The Independent Insurance Claims Office has excellent customer service and is well staffed for all needs. We are a locally-owned and operated agency offering affordable car, homeowners** or umbrella insurance. It is our responsibility to make sure that you and your families will have insurance coverage that meets or exceed our requirements. We represent many top insurance companies including the top national providers, Nationwide, Progressive, Allstate, National General and Nationwide. The Independent Insurance Claims Office is at the forefront of our efforts with innovative strategies designed to keep our customers safe and secure. The Independent Insurance Claims Office is the only place we can receive unbiased, professional advice and our goal is to help you find the best insurance policy to meet your needs and budget. The Independent Insurance Claims Office is the only way we work as an independent agency. Our service is just one.

Auto Insurance Rates by Model

Auto Insurance Rates by Model yearFull Coverage with liability-only coverageYear Four with low deductiblesYear Eight with higher limitsYear Eight with higher limits Rates Replied AgainstFemale 23-year-oldMale 22-year-oldMale 55-65 yearsOldErie25.18%Female 29.18%Male 72.70%Erie25.21% Female75.70%Erie35.30%Erie20%Erie35.10%Erie27%Female72.80%Erie45.65%Rates Compare overall car insurance rates by driver characteristics, coverage to see how much you’ll pay for a brand new car � Compare quotes from the top insurance companies and save Compare loading Fetching your data... Free Car Insurance ComparisonCompare Quotes From Top Companies and Save .

Auto Insurance Quotes by U.S State

Auto Insurance Quotes by U.S State, by State. All United Auto insurance products are issued by American Family Life Insurance Company, San Diego, CA. Except when sold by American Family Life Insurance Company, Indiana, or by an independent agent/broker, American Family may not be appropriate for all persons in all states. Coverage is not available in all states. © 2025 American Family Life Insurance Company. The U.S. states, In a declaration of war, it states, a declaration is an action taken by a state against a threat or cause of action or by the threat of force, destruction, or possession of property by a state that becomes a state against that state. It is not appropriate to refer to any state or country for which a declaration of war might prove necessary. A declaration of war can also be used to restrict a person s activities of life, death or business. The use of the term insurance in this article is not meant for the general public for fear that the title would,.

Providing Northern Nevada insurance for home and auto, tax preparation, DMV services, and more.

Providing Northern Nevada insurance for home and auto, tax preparation, DMV services, and more. With over 15 years of experience in the insurance industry, our goal is to provide the most comprehensive coverage for the lowest rates. Whether you’re on the hunt for auto insurance for the first time, or you have never taken out insurance, we can help. All you have to do is understand the basics of insurance and have the knowledge to help ensure you’re always covered by the right coverage and rates. Insurance, through your credit card, allows you to pay your bill without having to use the card. But what is insurance for the first time? Some have a high deductible, while others have a low deductible. When you are purchasing auto insurance coverage, it is important to understand the most common types of auto insurance that come with it. When you speak to an agent from another company, they usually state that there are only certain type of coverage that make it easy for you to receive insurance on your own. It’s important to note that a higher deductible means the premiums will.

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kniteropfreeh1987 · 4 years ago

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accord insurance cost

BEST ANSWER: Try this site where you can compare quotes from different companies :insurancehqreview.xyz

accord insurance cost

accord insurance cost on your home. Homeowners insurance typically covers your family, guests, belongings and medical losses, but not personal possessions. However, if a catastrophe or storm breaks out and you need a tow truck, you’ll need to file an insurance claim with your utility coverage. If you need to access the power of utilities, you can also look in to get a power line backup quote. With an electric utility, you can access electrical service like a power outlet or generator. You can also manage the bills under the company’s policy and bill your utility. Homeowners insurance provides coverage for you and your property, including your house, car and motorcycle. To learn about insurance, or to get tips on how to protect your property, check out . You’re probably wondering, “How much is home insurance in Missouri?” In most of the state, the average annual homeowners insurance premium costs an average of around $1,300, with the being about $4,. accord insurance cost. So when it comes to this kind of coverage, the most affordable company will be your cheapest one. In our analysis for 2025, the cheapest insurer in 2020 was USAA, while the worst one was GEICO, which was ranked as being the worst in the nation for insurance cost. Because of this, it is advisable that you get a quote from every insurance company you get a quote from. To find the cheapest car insurance in New York from the best for your situation, you can start with . You can also choose a policy that matches your requirements. Some are cheaper for older drivers, so we opted for Geico s cheapest policy as the middle of the road between 25-54 yr olds. After that, your best option is State Farm s minimum car insurance. In our study, we got that level and was able to compare it for people that are below 25 years of age, so get a quote. In the short answer is, no. You can always get lower liability coverage. accord insurance cost. For example, a homeowner can get their car insurance cost to an average of $140 per month. For someone over the age of 65, on the other hand, annual coverage is going to be from a $20 to $40 monthly rate. So, if you have an above average annual cost of $140, you will pay approximately $3 for a $200 or $300 per month For a man, age means he is in good health and will, therefore, have the lowest rates for the car insurance. Therefore, for a 40-year-old, the annual cost of $1,414 is from $1,092 to $1,948. However, if you are in a less expensive age group, your annual car insurance cost can drop to $1,092, from $1,940 to $1,843. For an 18-year-old.

Lesser-known factors impacting Honda Accord insurance rates

Lesser-known factors impacting Honda Accord insurance rates include: Honda Accord Insurance prices are set by Honda and are calculated using numerous factors such as: You can get a quote online. Honda Insurance is a subsidiary of . The insurance brokerage services are distributed over the internet through partners. In 2015, . The organization was founded by Honda engineers to help engineers and tech enthusiasts get a fair insurance policy. The organization is now headquartered in Tamaulipuram, in India. Honda Accord (Honda Accord), Honda Civic and Honda Civic Car insurance company have both been sold in the United States. In 2017, Honda Honda was ranked the top insurance brand in the North American market with an impressive number of discounts offered. This insurance company offers a discount of up to 13% to its drivers. These discounts include an accident prevention system, car safety class, theft resistant materials such as airbags, protective devices such as anti-lock lock brakes, anti-lock brakes bezel, roadside assistance, and roadside isolation systems. The company was recently certified as a top.

Pay less for Honda Accord insurance

Pay less for Honda Accord insurance and get a free insurance quote. If you’re still in a financial pinch and want to protect your home and personal assets with new auto insurance, remember we’ll give you the ability to keep your old insurance rates the same and get back on your feet when things get worse. If you’re thinking about switching to a new insurance company, the best policy change you can make is to stop making changes. Your best chance to see savings levels in the future is to keep a good driving record. While you may feel a sense of confidence knowing that you’re getting the best premium, you can have a good record even if something goes wrong. If you plan on switching, you may be able to stay on your current car insurance policy for as little as the first month or three months. Or consider a free short-term insurance plan that covers you when you switch to a new car, like a policy you’d been offered as a member of the local team.

Want cheaper insurance? Avoid these vehicles

Want cheaper insurance? Avoid these vehicles, as you can save an average of $130 each year. If youâre on the hunt for cheap car insurance, this research can be beneficial. To give you a sense of cost, according to the , the average (the standard policy covering bodily injury and property damage) in California is: If youâre looking for the cheapest California insurance premiums, itâs worth paying close attention to policy limits. In California, state law requires drivers to carry certain minimum amounts of liability insurance: While liability insurance provides for you and others under the policy you carry â like extra expenses if youâre sued if youâre in a car accident and youâre uninsured. You can opt for higher coverage limits while your policy is still active. For example, purchasing a 50/20 liability-only policy might allow you to settle for only $50.

Cheapest cars to insure among popular models

Cheapest cars to insure among popular models Since we analyzed a full range of cars in the USA, the following model marks are common: While these are the average cost, assume you only drive the car occasionally (as long as you have car insurance) or only regularly (a daily, weekly or monthly drive), the car model, trim and condition, as well as a few other details will be used to calculate your quote. When we compared rates for the most popular models, we found that the Chevy Camaro and Honda Civic are the two cheapest options, especially for drivers in the US and Canada. In some cases, you may also want to consider a used car for insuring instead of buying an older one. According to Insurify’s data, drivers save an average of $1,192 per year on auto insurance. However, the best way to get the most expensive car insurance quote is not to drive it around to the store. Insurance companies require you to provide your driver’s license number, or driving record.

How car models affect insurance rates — down to the trim

How car models affect insurance rates — down to the trim level. The average rates for new cars are higher than for 2012, but the is higher than at year-two. The average rates for new cars in the last year are above a year s average, although 2011-12 cars have the lowest rates, just as they were in 2012. In terms of safety ratings, 2014 cars are the second most popular cars with average insurance costs topping out at $1,114. The average cost for the car also has a low average cost. The state minimums were higher for older cars at $1,500, but many states offer a lot more affordable insurance for newer and more desirable vehicles. With the state minimum insurance in force, your vehicle s liability limits are increased to protect other drivers and passengers. More drivers are traveling to and from work to them on public roads, and the number of thefts and losses in the same area is going to vary by city. If you need to insure a new or used car, you only need to pay into.

Specifics of your auto insurance policy

Specifics of your auto insurance policy. In most cases, your insurance company is required to comply with the specific auto insurance law. If your state requires you to carry a specific amount of liability coverage, your auto insurance carrier will be able to tell you. In some cases, the carrier will require you to pay an out-of-pocket deductible, which you might be responsible for if you need to pay for a rental car or a trip to avoid collision damage. This usually means anywhere from $2,000 to $50,000 and includes rental reimbursement and any injury-fueled use. If your insurance company is going to require you to carry a specific maximum amount of liability coverage, there are other options you might consider. Some states mandate a limit on your coverage. California and Hawaii, for example, require you to carry a certain amount of . There’s another type of liability insurance, uninsured motorist coverage, which helps pay for a high-risk driver. If you’re in an accident and your.

How to Renew Honda Accord Car Insurance?

How to Renew Honda Accord Car Insurance? Read our short guide to . The key features of new insurance packages are: Compare quotes from the best insurance providers If you are looking for reliable car insurance, you need to find and find the right car insurance rates when comparing quotes. CarInsuranceComparison.com was created because we wanted to make it easy for anyone to compare car insurance online - from many different companies! Disclaimer: CarInsuranceComparison.com strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage. Whether you’re planning to start driving in the next year or two, there’s still a lot to remember just.

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gaudetteinsurancehelpswithquotes · 2 days ago

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hakelelius91 · 4 years ago

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how to change home insurance with escrow

BEST ANSWER: Try this site where you can compare quotes from different companies :4carinsurance.xyz

how to change home insurance with escrow

how to change home insurance with escrow? We take the plunge, as a local local independent insurance agent, with over 40 years of experience for all the same sorts of need. We understand the nuances and nuances of every situation and are available in-person 24/7. Because we work with people across Long Island to help find a policy right for their needs to get your home, you can expect peace of mind in keeping up with the routine. I am the Owner of a $300,000 home. A great insurance company I am very satisfied by what I am getting from escrow insurance. You have put your life into your business, and it can be frustrating to deal with a company that doesn’t have a product right for you. Escrow insurance is a product that is designed to help people and businesses avoid any unexpected situations by putting a focus on finding the right plan for your business. What is escrow insurance? Escrow insurance is an insurance product that is specifically designed for people and businesses in the. how to change home insurance with escrow or home office help with your policy. Home office helps. While your home is being worked on, you’re spending all day, you’ll have to pay the rental unit you live in for anything you need to protect. Since you want a great insurance company to protect you, we recommend using an independent agent to have the right coverage. Your insurance should be able to keep you from anything that happens in your home. For example, it’s very common for your car insurance policy to include a deductible. These are fixed amounts you must pay before your insurance will pay. That means your car insurance will pay for the repairs. However of course, when you get into an accident, you need to make sure your car has the coverage you need. The coverage that you selected when you got your insurance was not enough to cover the amount you owe. Fortunately, your insurance will provide the balance. There are a number of different situations you could fall into if you need to make a. how to change home insurance with escrow? It would help if you can get your parents to buy insurance without you being able to get them to buy you. It’s the best way to ensure that any potential future bills go to your income if they aren’t paying. It also allows you to put up any money you need to buy or raise a family. It makes sense that if you’ve been working at a small-business for the past six months, you can shop around for opportunities to purchase family coverage on your own. If you have your parents, then you may have other choices. You may want to consider the policy that your parents have purchased and get your own policy so that you can take care of them. Buying your parents’ auto insurance coverage is a smart choice because your parents aren’t the only policy in existence. Any financial problems, and most likely your parents’ inability to pay for the medical bills the policyholders are responsible for when the time comes, will have.

What will the new insurance company need to know in order to switch providers?

What will the new insurance company need to know in order to switch providers? can be a big question for you and we will be here to help you to find answers. The answer to this depends on what type of insurance plans the new driver has. This will vary by plan. Remember that the new driver has some coverage, so they will need to update their copulation and insurance on a regular basis. We recommend getting your own quote so that you can compare rates before you buy your insurance in order to know the best option. If you choose a plan that is a little less than 5 years old, you might find that your insurance rate is considerably higher. It’s important to realize that insurance companies in Australia are not allowed to change their rates at the start of every policy. That is why you have the right to change, as that could potentially cause the policy to revert to the same base policy. Also you have to be sure that you are renewing your policy..

Related Insurance Questions

Related Insurance Questions How much does car insurance for a 17-year-old cost? According to the National Highway Traffic Safety Administration, in 2025 there were 5,715 auto accidents involving teenage drivers. Do teenage drivers have to pay higher insurance rates? The answer depends on how much medical care the driver provides and the medical costs of the driver. There are many factors that go into calculating the average costs of car insurance for a 17-year-old. The table below highlights how and where teen drivers are found to have different costs. The chart below shows what is usually required of teens over 18 years old to drive legally. There are many factors involved in determining car insurance rates, including the age, gender, and type of the driver, among other factors. Teen drivers may also be required to carry a more comprehensive policy because of the risks in driving. The following table outlines car insurance costs for 16-year-old male and female drivers. Teen drivers who are 18 years old typically pay less expensive rates.

Consider how you’re paying for your insurance

Consider how you’re paying for your insurance covers any health-related issues or expenses you’d rather not face. And remember the types of policies you can’t buy because you may be tempted to go with a small, cheap insurance plan. Some insurance plans are cheaper when you’re in good health with similar policies for your family to get coverage at lower prices. If you have health issues (which many people go for), then you might be considered a higher risk for insurers because you’ll have higher-risk health. If insurers are willing to go up to the insurer and explain why you’re paying more than you should have been, then you’re probably more likely to find affordable coverage available to you. But it really doesn’t matter if you’re in good health or not. That’s because, in the small print of each insurance plan, you can’t make a change without the insurer knowing. It does, however, make any other changes that.

View the latest blog posts from Alan Galvez Insurance.

View the latest blog posts from Alan Galvez Insurance. Alan Galvez Insurance is authorized to sell personal, commercial and flood insurance in New York, Minnesota and Texas. We re a family owned and operated business, which means we offer a wide variety of products along with an absolute commitment to providing you and your family with the service they deserve. We re a nationally recognized, no-hassle insurance company, and our employees are very knowledgeable with time-outs and other times. When it comes to protecting your family, family members and property, we can be confident. Our team is excited and our staff does a great job preparing our customers for the future. There isn t a time that you can feel confident that someone will be there for you when you re needed. When the unthinkable happens, the unexpected becomes your greatest worry. A Homeowners insurance policy from Alan Galvez is an extension of our personal policy to protect our family, our business and our future needs. Alan Galvez Insurance is dedicated to providing our customers with the best product options as.

How much does it cost to switch a home insurance policy with an escrow account?

How much does it cost to switch a home insurance policy with an escrow account? We looked at the average costs of a new replacement (i.e. monthly payment amount, deductible, and annual maintenance cost) and the average cost of a typical homeowner s policy, both on and off our home. With average rates being much higher if not lower, this figure became an important indicator of the cost of the new home. It was very difficult to get a homeowners insurance quote in Atlanta that matched the city’s average price. The average cost of a new home was $9,960 for an inventory set of 4,000 boxes. In Georgia, the amount of homeowners insurance coverage will not be much different than the average cost of building that can cost much more. For example, a homeowner insurance coverages were higher as shown with this graphic from and the average cost of coverage, if you want to find out more details. While the cost might be more expensive for the typical homeowner in Atlanta, it can still result in great savings on both the homeowners policy and the insurance.

What are home insurance escrow terms?

What are home insurance escrow terms? Read on to understand what home insurance escrow clauses mean. You can also read reviews of home insurance companies and compare home insurance policies on the web. In the meantime, check out our . Home insurance policies normally cover the following perils: There are several types of home insurance claims policies. In addition to claims, a home insurance coverage usually includes: When searching, get quotes, and compare home insurance policy policies on . As of the end, you should know that if you have a current flood insurance policy, you are responsible for paying for repairs. Most home insurance policies include the following types of additional provisions: The home insurance company may require you to submit proof of flood insurance and any other additional insurance for damage. In some cases, you will need to obtain flood insurance for the home within 15 days of your request to get new insurance. If you find yourself in a situation like that, you may want to buy a policy that includes additional flood insurance. But first, let us clarify those extra.

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salyardskatalyna · 4 years ago

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home owners insurance maine

BEST ANSWER: Try this site where you can compare quotes from different companies :insureoptionsreview.xyz

home owners insurance maine

home owners insurance maine of your home. Allstate’s online portal provides access to free quotes from over 1,000 financial advisors and insurance agents, as well as a variety of online tools. As a homeowner, you can expect many of their services (like billing and claims, as well as customer service) to be provided free of charge. One great perk of most of their offerings is that it does not require a deductible before purchasing your policy. You want your coverage to start when you need it; the best thing to do on this is make sure you’re able to pay off the loan on time. With that said, it’s a great option if you are in a hurry to get started in purchasing a policy. As expected, you may not have all the savings that you need to get your home insured with the right company. So while all the companies listed here have some kind of flexibility, the ones that are more flexible are more expensive. Here are the cheapest states for home insurance. home owners insurance maine, or just look at your state s automobile insurance requirements. Some insurance companies are only on the list with liability coverage and may be a good choice for renters insurance, so if you have renters insurance already, do you have car insurance as well? While it will vary by each person s needs, it s a common misconception to state that renters insurance is a mandatory type of coverage. The fact is, you can legally stay on your parents’ car insurance for a considerable amount of time, and a renter’s insurance policy protects you against losses from fire or theft of personal items. One of the advantages of buying it jointly and separately, however, is that you aren t forced to rent it out on a monthly or annual basis. If you don t own a car insurance policy, you can still stay on the car insurance of your parents without much hassle. So which renters insurance companies offer renters coverage for renters? We reviewed the top providers and ranked each of the top four providers according to. home owners insurance maine, as many folks don’t realize it’s the owners insurance agency, that is the home and the farm itself. The owners insurance agency (AFA) is a group of insurance companies established in the 1990s to help homeowners who cannot afford to do the research, and can find their life, home and business covered through the AFA-FA Homeowners, Farmers, and Mutual insurance policies. AFA-FA does not specialize in homeowners insurance or other high-risk products. Instead, they focus on what is essential for homeowners, homeowners, and businesses today – protecting the homes and people in them. To learn more or to take out a free quote on , call or click here today to get insured! The best way for you to get the best homeowners insurance coverage in Connecticut. Just contact the company and they’ll help you get insured with the best policies available! The best way to purchase their insurance? Get covered now at all stages except your home and auto.

Guide to homeowners insurance in Maine

Guide to homeowners insurance in Maine. Our goal at Guaranteed claims, is to be a first, and you have a better deal than other people, not to be able to make the best decisions for your family, home purchase. If you are one of the thousands of Maine homeowners who have failed to get covered with our independent agents, you have no intention to buy insurance online or on your own. You will be contacted by one of our agents to have your business canceled today. Guaranteed claims is here for you in order to take care of your insurance needs in Maine, no matter what area of Maine you are moving to. If not, you might have an accident in the next town you’ve just moved to or an eviction notice has been sent to your mailbox. The minimum auto insurance rates in Maine are very affordable for the reason you need to pay a yearly renewal on your auto insurance for 4 to 8 years if you still want a good insurance policy. You’ll have a better rate at Guaranteed.

The Best Homeowners Insurance in Maine

The Best Homeowners Insurance in Maine There are a number of places on the map for home insurance companies based on geography, the type of roof , the age of roof, etc. One of the places they looked out for is coastal Maine, where the roof was the same. While the roof is quite new, the roof on the lot is old and there are other areas (e.g. beachfront, patio/hollowback, garden area, etc.) which are very close to the coast. If you want to know, what is the home insurance company’s premium in inland Maine? The answer is the standard policies are as follows: If you are concerned with storm protection, you are usually covered by your policy s storm coverage through a flood policy. A flood policy means the policy will cover a portion (usually $100 or so) of damage which exceeds the basic limits of your policy. It protects your family against such things as fire, flooding, and snow and ice as well as liability..

Average cost of homeowners insurance in Maine by company

Average cost of homeowners insurance in Maine by company in 2025 Overall average cost of homeowners insurance in Maine $5,921 per year Maine had a very expensive average annual cost of homeowners insurance (18%) for every area except New Jersey (31.9%), Minnesota (20.4%), Maryland (21.9%), Florida (22.3%). These higher average cost states are some of the risk for the rest of the country in the US. Maine s compared to most other . The overall average cost of homeowners insurance in Maine was $5,921 per year. The best cities in Maine $5,922$5,927 683,100 $5,976 per year for homeowners insurance to be a good driver in Maine. The cities with the lowest annual average monthly auto insurance premiums in Maine $841$8,904 All of the cities shown in the table above have significant coastal flooding and can be classified as coastal states. The cities with the strongest rates in the.

Special Home Insurance Situations in Maine

Special Home Insurance Situations in Maine There are many other insurers in Maine that can help you find affordable home insurance. You may be able to find home insurance for your property and personal belongings, such as jewelry, fine musical instruments and art, in different states. The best way to help you find cheap home insurance in Maine is to compare home insurance rates from several companies. below to start! In our survey, we asked our home insurance customers what they think about home insurance. We went over the top scores that were awarded for Maine by AM Best and Mutual of Omaha. After running over our 100-item policy list, our is below. The last five years we took our first major storm at its 4.6″ x 100-foot face size, and this is the one that the storm has cost and insured, to protect her insurance. What we found in this article is that the hurricane covered a $5000,000 loss. The amount of coverage that you get from your home insurance provider is up to $20.

Average cost of home insurance in Maine by city

Average cost of home insurance in Maine by city, and standard rate, will differ from one county to the next after a rate data check. Prices will be adjusted according to zip code data when the insured is looking for insurance. An example of cost to insure a home in Omaha is shown in the table. A standard home insurance policy won t cover damage to a vehicle. The cost of liability coverage, which reimburses you for injuries sustained by an injury protected by his or her insurance policy, won t be the same as $5,000 or $50,000 to repair or rebuild your house. Home insurance doesn t cover damage from wind, hail, lightning, fire, and theft of a tow truck. With a standard insurance policy, you’re covering more damage to your home, with more money upfront. Your personal property will also be covered. The most expensive types of personal property per year or on average $60,000 will be the most expensive types of personal property. Household household coverage options are becoming more common. Some homeowners.

The 5 best homeowners insurance companies in Maine

The 5 best homeowners insurance companies in Maine are: An auto insurer in Maine can protect your car and property against many hazards such as weather-related mishaps, riots, collisions with rodents and non-collision damage. It can also offer affordable liability coverage that might apply to other types of coverage such as liability insurance and property damage liability. The 7 best homeowners insurance companies in Maine are: In these cases, the best homeowners insurance companies are the ones that have the lowest rates. The cheapest companies for home insurance in Maine are: The top five companies for home insurance coverage are: For a homeowner, the best options for coverage include a total of 15 companies that offer policies with more than the state average. These include the following: The cheapest car insurance in Maine after an on the weekend is the same ones found the cheapest auto insurance premiums elsewhere. This chart will show how these models stacks up in terms of premiums for the same policy limits. For example, in an example comparing a 100cc cruiser with a 30 percent safety rating to an AMC.

Flood Insurance

Flood Insurance Company of New York offers homeowners insurance with a variety of discounts and a variety of ways to save. Our top picks for home insurance, or any home insurance premium. There may be coverage for your home, and homeowners don’t have to worry about their insurance company being aware of your location when the claim is filed. The best homeowners insurance policy is customized for your needs. With the average cost of insurance in Alabama coming down to only $1,854 per year, the amount of coverage you need is important to you and your family. When you re shopping for home insurance, it can be difficult to figure out which companies offer the best policies. Many companies will offer a discount on your premiums for those who keep a current policy, but insurance agents and consumers can still get customized packages tailored specifically for their specific needs. Allstate, Geico, and State Farm offer savings for owners of mobile homes. They also have great perks that can help homeowners reduce their overall risk profile, like discounts.

Average cost of home insurance in Maine by coverage amount

Average cost of home insurance in Maine by coverage amount. For a standard policy, home insurance is typically less than $20 (about $30 per million dollars) per year, while an increased deductible will mean your premiums are higher. There are some instances when an increased deductible can mean cheaper coverage, but it s not uncommon for insurance policies to have a deductible. Maine homeowners don t see any increased savings on home insurance. That s where . For specific information on deductibles and a high deductible, you can visit our page. High-Risk Insurance Types High-risk insurance is defined as insurance policy that is specifically designed to help you for problems that will be more difficult to insure. Maine does not prohibit insurance companies from charging higher levels for certain types of insurance. The minimum standard that insurance companies will be required to include in their policies is $20,000 for property damage, though some insurance companies will provide additional coverage for $25,000 for property damage as well. The $25,000 threshold is considered to be the.

Maine Homeowners Insurance FAQs

Maine Homeowners Insurance FAQs How do I cancel my home insurance policy? You must contact your home insurance company directly or call their customer service line for assistance with your insurance cancellation request. How do I cancel my car insurance policy? You must contact your car insurance company directly or call their customer service line for assistance with your insurance cancellation request. How do I cancel my smartphone app? If your phone is damaged in a flood, you must contact your car insurance company directly or call customer service at 1-877-247-8299. How do I get my home or auto insurance but am at least a full year? Your car insurance policy must include an , but it can vary by company. How much should I be quoted for the cheapest insurance? You may need to pay more than your state-required minimum coverage, but you can still save The most affordable policy for a 40-year-old good driver is available in.

Homeowners Insurance Quotes in Maine by Company

Homeowners Insurance Quotes in Maine by Company Annual Median Cost to Total Insurance Quotes in Maine (Annual ) Total Auto Insurance Claims in Maine (Average) $339 $1,391 $2,062 $5,812 $1,246 $2,546 $1,859 $1,082 $2,073 $5,037 $1,072 $2,07 $4,829 $999 $1,856 $926 Lowest Auto Insurance Rate Districts in Maine Puerto Rico $1,074 $2,061 $1,067 $2,075 $1,070 $2,070 $0 $0 Most Expensive Insurance Zip Codes in Maine The only two counties.

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andreagillmer · 7 years ago

Text

The Coming Battery Bonanza

Source: James Dines of The Dines Letter for Streetwise Reports 06/26/2017

James Dines, author of The Dines Letter, discusses the importance of graphite in the manufacture of lithium-ion batteries and highlights one graphite company he expects to have an edge.

Lithium Batteries for Autos and Home Storage

Someday, as sneaky years whisper past, batteries will be seen to have been a crucial wave of the investing future. Uses for lithium ion batteries (LIB) are expanding and will be the main technology for mobility and stationary storage for many years to come. LIB’s have been improved over the last 25 years, but it might take that long for any new battery design to pass through the development process to ensure they are safe for consumer use. Electrification of vehicles and the storage of green energy is driving massive growth in LIB cell manufacturing, forecast to increase 170% from today’s current capacity of 103 GwH to 278 GwH by 2021 to meet the demands of electrification of automotive vehicles. Also, lithium batteries will be used for stationary storage in houses; they would charge with wind or sunlight present, to be consumed later. Many will buy rooftop solar along with batteries. The 2015 world market value of lithium ion batteries was $18 billion and is forecast to double to $36 billion by 2025which we personally believe will be much larger.

Auto sales in the US and Europe exceed 30 million and forecasts are that 20% of cars sold will be electric vehicles by 2025. This would require over 350 GwH produced a year by battery. By 2030 the annual sales of electric vehicles could be around 21 million, with an estimated 70-80-million electric vehicles on the road worldwide. Incidentally, China’s goal is to have 5-million electric cars by 2020, with each electric vehicle also needing around three times more copper than a regular car. China expects to need 50,000 tons more copper annually for these electric vehicles. Copper’s recent prices are now flat, and are at a critical juncture related to its trendlines.

There are over a half-dozen battery Gigafactories being considered in the US, and a further half-dozen in Europe, far in excess of current capacity. Tesla has built a plant with a 35 GwH capacity, intending to grow it to 150 GwH, while Northvolt is planning a gigaplant in Sweden. This will not be enough to match demand in Europe and America, so a further 50-100 GwH will be required on both sides of the Atlantic.

Stationary energy storage the likes of which are already taking shape by way of Tesla’s Powerwall, and Mercedes’ recent announcement of partnership with Vivint Solar, will provide home owners with the option to capture and store their solar energy and use it when wanted. These storage banks will be between 2.5 to 20 KwH and be incorporated into solar collection panels or shingles on roofs. This would create even larger demand for their components, as homeowner’s transition to some level of independence from the electric grid. Utility providers will also push for this transformation as it would reduce their aging infrastructure costs significantly by managing peak loads with in-home storage. Comparable industrial uses for solar storage are almost limitless.

The Dines Letter has long expected raw materials’ demand from the growing battery market to be significant. Key materials are lithium, graphite, cobalt, nickel, copper, silicon and aluminium. Lithium, cobalt and graphite are commodities that will come under especially sustained buying pressure. The majority is aware of lithium and cobalt, but many overlook very high-purity graphite, mistakenly regarding it as ordinary carbonbut which is crucial for the security of long-lasting power for distance travel in electric vehicles. Graphite will surely always be a part of the lithium ion battery. How much will be synthetic versus natural is the real debate.

At present the average dollar value of graphite in a Tesla 85Kw battery pack is around US$1,250 (50kg) broken down into $1,200 synthetic (40kg) and $50 natural (10kg) graphite. The cost of synthetic graphite is about $30k per ton. Natural graphite’s cost is closer to $10k per ton. The ability to reduce the raw-material cost in a Tesla battery pack is perhaps $500 per vehicle. It might not seem like a big savings, but when considering the almost 50-million new vehicles a year at a targeted 20% EV uptake, it equates to around $5 billion. Also noteworthy is that the same Tesla battery pack has $66 of lithium, $851 of cobalt and $146 of nickel (NMC Battery).

Graphite’s demand for 100 GwH will be (round numbers) 600,000 tons, with approximately 400,000 tons of synthetic and 200,000 tons of high-purity natural graphite. In a drive to reduce these input costs, more and more of this graphite will be “natural flake graphite,” if only because it is cheaper.

Who might supply this graphite? No surprise, China controls battery-grade graphite, so automotive cell manufacturing is currently exclusive to Asia. For years, China has been quietly cornering the market for one element after another, over The Dines Letter’s bitter objections. We have not made a dent in our government’s awakening, but we will continue to firmly state the truth that not everything will always be available on the free market. China is rapaciously seeking a piratical, pernicious monopoly of elements, not controlled by US anti-monopoly laws, as are handicapped Americans. America is ruled by unsuspecting financial innocents in this regard.

As “The Original Rare Earth Bug,” we fought tooth and nail to block China, but unfortunately we did not get enough support, and now China controls over 90% of the world’s Rare Earths. Most politicians have no idea what those elements are used for, but might be shocked to discover we can’t build a rocket or missile without them, which might be inconvenient during a war with China. Indeed, even as we go to press, Rare Earth producer Molycorp, a recommendation The Dines Letter sold at an 89% profit before it went bankrupt, is being auctioned off. Who is among the bidders? China! Again relentlessly taking over the market for elements, buying every such asset available, while America dozes.

As procurement of these commodities become tighter, buyers would respond, as usual, by throwing money at the problem. But what if China nonetheless refuses to sell? Declaring these elements not for sale would be a bitter pill for America to swallow. Who would be blamed? At least weand hopefully our subscribersdid our best to warn about a historic change in free-enterprise capitalism.

A key to the bull market in graphite is that many now depend on China for use in automotive batteries. China cut off Japan’s supply of Rare Earths when a conflict arose over the Senkaku boat collision on 7 Sep 2010, which would have closed down Japan’s automobile industry. Tesla, for example, would have to close down its Gigafactory without China’s graphite, and is thus likewise at its mercy. Furthermore, Europe also needs its own graphite, independent of China, and Leading Edge Materials(LEM), is an often overlooked source, dependably within the EU. According to an EU study, as of 2016, Norway is Europe’s next distant source, but accounting for only 9% of current supply. We will return to LEM below.

There are many other junior resource exploration companies with such carbon assets: in America, Mozambique, Sweden, Australia, Madagascar, and more. The majority of these junior resource companies usually have only an undeveloped property, with a small number of drill holes; they would need substantial investment capital and expertise to produce even a low-purity graphite, let alone the high-purity graphite required for the electric-vehicle battery market.

Now is the time to begin long-term accumulation of graphite stocks, to hold for the next few years, before the tidal wave of newly-awakened buyers arrive.

WHY I LIKE LEADING EDGE MATERIALS (LEM) in the graphite space?

LEM’s key physical asset is the full-scale, fully functional and fully permitted Woxna graphite mine and processing facility in Sweden. LEM aims to use the existing Swedish production capacity and large resource to produce and sell a high-value-added graphite product to LIB cell manufacturers. The potential for LEM is enormous as it could grow production capacity to meet the demands of this disruptive, emerging industry, and is already progressing well down the qualification process. The plant was an actual producer, though not producing now, and will be able to produce 10,000 tons per annum of flotation-grade graphite concentrate (95%C). Having both a mine and processing facility is a key differentiator compared with nearly all other public graphite companies.

Syrah Resources, an Australian graphite miner, claims to be very close to being operational but this is yet to be proven. All other graphite companies in the public space need in the order of US$50-$200 million to build a mine and plant to match what LEM already has. This does not take into consideration the additional work others must do in order to demonstrate they could actually produce battery-grade material (99.999%C) from the flotation concentrate. In a market currently supplied virtually exclusively by China, battery makers will surely seek to diversify their sources of supply.

LEM has chosen not to produce and sell floatation concentrate into the currently small European market at a marginal or zero profit. Instead the plant is run on an as-needed basis to produce floatation concentrates in sufficient quantities to use in high-purity, battery-grade, materials-test work. LEM right now has thousands of kilograms of concentrate to work with, which enables them to test larger-format batteries that satisfy the qualification expectations of future cell manufacturers. It is doubtful any other graphite company has this large amount of graphite concentrate material available to produce large numbers of large format-test cells. A junior miner, with only small amounts of drill-core samples, or a modest bulk sample, would not have enough material to demonstrate its graphite ability for cell manufacturers to trust. LEM recently completed the manufacturing of a series of battery cells similar to those used in the Tesla electric vehicle. LEM has used spherical natural high-purity graphite from its Woxna mine to produce “18650 format lithium ion cells.” These cells are the same format used by Panasonic in the Tesla battery pack. Tesla uses 7,104 of these 18650 cells in one battery pack. LEM has made sufficient anode material out of its high-purity graphite to make a further 20 of these 18650 cells for further testing by potential customers. Modest capital would be required to add on high-purity processing capabilities. We are not aware of any other graphite company to have this capacity. LEM is well on its way to be the first to supply new Gigafactories with this highly-sought after commodity. There are no Gigafactory-size battery cell manufacturers in Europe to date. There are some cell manufacturers that do make cells on a small scale, but they are not commercially viable. Total graphite consumption in Europe is less than one hundred tons of graphite annually. They only use synthetic graphite at present more expensive and not environmentally friendly but might change to natural flake when a big manufacturer leads the way. LEM is working with future cell manufacturers in Europe to provide a solution where more natural flake can be utilized at a lower cost and greener footprint. LEM is perhaps the only company actively pursuing this goal.

Our long-term recommendation of LEM is evidenced by our having owned some for many years. Put a small amount in the back of portfolios, or as a gift to a loved one, and forget about it for a few years. We can’t recall ever having sold any, and don’t plan to do so anywhere near these low prices.

James Dines is legendary for having made correct forecasts that were in complete contradiction to the rest of the financial community. He is the author of highly regarded books, including “Goldbug!,” in addition to his popular newsletter, The Dines Letter, and videotaped educational series. Dines’ highly successful investment strategies have been praised by Barron’s, Financial Times, Forbes, Moneyline, and The New York Times, among others.

Want to read more Gold Report articles like this? Sign up for our free e-newsletter, and you’ll learn when new articles have been published. To see a list of recent articles and interviews with industry analysts and commentators, visit our Streetwise Interviews page.

Disclosure: 1) James Dines: I, or members of my immediate household or family, own securities of the following companies mentioned in this article: Leading Edge Materials, Syrah Resources. I personally am, or members of my immediate household or family are, paid by the following companies mentioned in this article: None. My company has a financial relationship with the following companies mentioned in this article: None. I determined which companies would be included in this article based on my research and understanding of the sector. 2) The following companies mentioned in this article are sponsors of Streetwise Reports: None. Streetwise Reports does not accept stock in exchange for its services. Click here for important disclosures about sponsor fees. The information provided above is for informational purposes only and is not a recommendation to buy or sell any security. 3) Statements and opinions expressed are the opinions of the author and not of Streetwise Reports or its officers. The author is wholly responsible for the validity of the statements. The author was not paid by Streetwise Reports for this article. Streetwise Reports was not paid by the author to publish or syndicate this article. 4) This article does not constitute investment advice. Each reader is encouraged to consult with his or her individual financial professional and any action a reader takes as a result of information presented here is his or her own responsibility. By opening this page, each reader accepts and agrees to Streetwise Reports’ terms of use and full legal disclaimer. This article is not a solicitation for investment. Streetwise Reports does not render general or specific investment advice and the information on Streetwise Reports should not be considered a recommendation to buy or sell any security. Streetwise Reports does not endorse or recommend the business, products, services or securities of any company mentioned on Streetwise Reports. 5) From time to time, Streetwise Reports LLC and its directors, officers, employees or members of their families, as well as persons interviewed for articles and interviews on the site, may have a long or short position in securities mentioned. Directors, officers, employees or members of their immediate families are prohibited from making purchases and/or sales of those securities in the open market or otherwise from the time of the interview or the decision to write an article, until one week after the publication of the interview or article.

( Companies Mentioned: LEM:TSX.V; LEMIF:OTCQB, )

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goldcoins0 · 7 years ago

Text

The Coming Battery Bonanza

Source: James Dines of The Dines Letter for Streetwise Reports 06/26/2017

James Dines, author of The Dines Letter, discusses the importance of graphite in the manufacture of lithium-ion batteries and highlights one graphite company he expects to have an edge.

Lithium Batteries for Autos and Home Storage

Someday, as sneaky years whisper past, batteries will be seen to have been a crucial wave of the investing future. Uses for lithium ion batteries (LIB) are expanding and will be the main technology for mobility and stationary storage for many years to come. LIB's have been improved over the last 25 years, but it might take that long for any new battery design to pass through the development process to ensure they are safe for consumer use. Electrification of vehicles and the storage of green energy is driving massive growth in LIB cell manufacturing, forecast to increase 170% from today's current capacity of 103 GwH to 278 GwH by 2021 to meet the demands of electrification of automotive vehicles. Also, lithium batteries will be used for stationary storage in houses; they would charge with wind or sunlight present, to be consumed later. Many will buy rooftop solar along with batteries. The 2015 world market value of lithium ion batteries was $18 billion and is forecast to double to $36 billion by 2025which we personally believe will be much larger.

Auto sales in the US and Europe exceed 30 million and forecasts are that 20% of cars sold will be electric vehicles by 2025. This would require over 350 GwH produced a year by battery. By 2030 the annual sales of electric vehicles could be around 21 million, with an estimated 70-80-million electric vehicles on the road worldwide. Incidentally, China's goal is to have 5-million electric cars by 2020, with each electric vehicle also needing around three times more copper than a regular car. China expects to need 50,000 tons more copper annually for these electric vehicles. Copper's recent prices are now flat, and are at a critical juncture related to its trendlines.

Stationary energy storage the likes of which are already taking shape by way of Tesla's Powerwall, and Mercedes' recent announcement of partnership with Vivint Solar, will provide home owners with the option to capture and store their solar energy and use it when wanted. These storage banks will be between 2.5 to 20 KwH and be incorporated into solar collection panels or shingles on roofs. This would create even larger demand for their components, as homeowner's transition to some level of independence from the electric grid. Utility providers will also push for this transformation as it would reduce their aging infrastructure costs significantly by managing peak loads with in-home storage. Comparable industrial uses for solar storage are almost limitless.

The Dines Letter has long expected raw materials' demand from the growing battery market to be significant. Key materials are lithium, graphite, cobalt, nickel, copper, silicon and aluminium. Lithium, cobalt and graphite are commodities that will come under especially sustained buying pressure. The majority is aware of lithium and cobalt, but many overlook very high-purity graphite, mistakenly regarding it as ordinary carbonbut which is crucial for the security of long-lasting power for distance travel in electric vehicles. Graphite will surely always be a part of the lithium ion battery. How much will be synthetic versus natural is the real debate.

At present the average dollar value of graphite in a Tesla 85Kw battery pack is around US$1,250 (50kg) broken down into $1,200 synthetic (40kg) and $50 natural (10kg) graphite. The cost of synthetic graphite is about $30k per ton. Natural graphite's cost is closer to $10k per ton. The ability to reduce the raw-material cost in a Tesla battery pack is perhaps $500 per vehicle. It might not seem like a big savings, but when considering the almost 50-million new vehicles a year at a targeted 20% EV uptake, it equates to around $5 billion. Also noteworthy is that the same Tesla battery pack has $66 of lithium, $851 of cobalt and $146 of nickel (NMC Battery).

Graphite's demand for 100 GwH will be (round numbers) 600,000 tons, with approximately 400,000 tons of synthetic and 200,000 tons of high-purity natural graphite. In a drive to reduce these input costs, more and more of this graphite will be "natural flake graphite," if only because it is cheaper.

Who might supply this graphite? No surprise, China controls battery-grade graphite, so automotive cell manufacturing is currently exclusive to Asia. For years, China has been quietly cornering the market for one element after another, over The Dines Letter's bitter objections. We have not made a dent in our government's awakening, but we will continue to firmly state the truth that not everything will always be available on the free market. China is rapaciously seeking a piratical, pernicious monopoly of elements, not controlled by US anti-monopoly laws, as are handicapped Americans. America is ruled by unsuspecting financial innocents in this regard.

As "The Original Rare Earth Bug," we fought tooth and nail to block China, but unfortunately we did not get enough support, and now China controls over 90% of the world's Rare Earths. Most politicians have no idea what those elements are used for, but might be shocked to discover we can't build a rocket or missile without them, which might be inconvenient during a war with China. Indeed, even as we go to press, Rare Earth producer Molycorp, a recommendation The Dines Letter sold at an 89% profit before it went bankrupt, is being auctioned off. Who is among the bidders? China! Again relentlessly taking over the market for elements, buying every such asset available, while America dozes.

A key to the bull market in graphite is that many now depend on China for use in automotive batteries. China cut off Japan's supply of Rare Earths when a conflict arose over the Senkaku boat collision on 7 Sep 2010, which would have closed down Japan's automobile industry. Tesla, for example, would have to close down its Gigafactory without China's graphite, and is thus likewise at its mercy. Furthermore, Europe also needs its own graphite, independent of China, and Leading Edge Materials(LEM), is an often overlooked source, dependably within the EU. According to an EU study, as of 2016, Norway is Europe's next distant source, but accounting for only 9% of current supply. We will return to LEM below.

Now is the time to begin long-term accumulation of graphite stocks, to hold for the next few years, before the tidal wave of newly-awakened buyers arrive.

WHY I LIKE LEADING EDGE MATERIALS (LEM) in the graphite space?

LEM's key physical asset is the full-scale, fully functional and fully permitted Woxna graphite mine and processing facility in Sweden. LEM aims to use the existing Swedish production capacity and large resource to produce and sell a high-value-added graphite product to LIB cell manufacturers. The potential for LEM is enormous as it could grow production capacity to meet the demands of this disruptive, emerging industry, and is already progressing well down the qualification process. The plant was an actual producer, though not producing now, and will be able to produce 10,000 tons per annum of flotation-grade graphite concentrate (95%C). Having both a mine and processing facility is a key differentiator compared with nearly all other public graphite companies.

LEM has chosen not to produce and sell floatation concentrate into the currently small European market at a marginal or zero profit. Instead the plant is run on an as-needed basis to produce floatation concentrates in sufficient quantities to use in high-purity, battery-grade, materials-test work. LEM right now has thousands of kilograms of concentrate to work with, which enables them to test larger-format batteries that satisfy the qualification expectations of future cell manufacturers. It is doubtful any other graphite company has this large amount of graphite concentrate material available to produce large numbers of large format-test cells. A junior miner, with only small amounts of drill-core samples, or a modest bulk sample, would not have enough material to demonstrate its graphite ability for cell manufacturers to trust. LEM recently completed the manufacturing of a series of battery cells similar to those used in the Tesla electric vehicle. LEM has used spherical natural high-purity graphite from its Woxna mine to produce "18650 format lithium ion cells." These cells are the same format used by Panasonic in the Tesla battery pack. Tesla uses 7,104 of these 18650 cells in one battery pack. LEM has made sufficient anode material out of its high-purity graphite to make a further 20 of these 18650 cells for further testing by potential customers. Modest capital would be required to add on high-purity processing capabilities. We are not aware of any other graphite company to have this capacity. LEM is well on its way to be the first to supply new Gigafactories with this highly-sought after commodity. There are no Gigafactory-size battery cell manufacturers in Europe to date. There are some cell manufacturers that do make cells on a small scale, but they are not commercially viable. Total graphite consumption in Europe is less than one hundred tons of graphite annually. They only use synthetic graphite at present more expensive and not environmentally friendly but might change to natural flake when a big manufacturer leads the way. LEM is working with future cell manufacturers in Europe to provide a solution where more natural flake can be utilized at a lower cost and greener footprint. LEM is perhaps the only company actively pursuing this goal.

Our long-term recommendation of LEM is evidenced by our having owned some for many years. Put a small amount in the back of portfolios, or as a gift to a loved one, and forget about it for a few years. We can't recall ever having sold any, and don't plan to do so anywhere near these low prices.

James Dines is legendary for having made correct forecasts that were in complete contradiction to the rest of the financial community. He is the author of highly regarded books, including "Goldbug!," in addition to his popular newsletter, The Dines Letter, and videotaped educational series. Dines' highly successful investment strategies have been praised by Barron's, Financial Times, Forbes, Moneyline, and The New York Times, among others.

Want to read more Gold Report articles like this? Sign up for our free e-newsletter, and you'll learn when new articles have been published. To see a list of recent articles and interviews with industry analysts and commentators, visit our Streetwise Interviews page.

Disclosure: 1) James Dines: I, or members of my immediate household or family, own securities of the following companies mentioned in this article: Leading Edge Materials, Syrah Resources. I personally am, or members of my immediate household or family are, paid by the following companies mentioned in this article: None. My company has a financial relationship with the following companies mentioned in this article: None. I determined which companies would be included in this article based on my research and understanding of the sector. 2) The following companies mentioned in this article are sponsors of Streetwise Reports: None. Streetwise Reports does not accept stock in exchange for its services. Click here for important disclosures about sponsor fees. The information provided above is for informational purposes only and is not a recommendation to buy or sell any security. 3) Statements and opinions expressed are the opinions of the author and not of Streetwise Reports or its officers. The author is wholly responsible for the validity of the statements. The author was not paid by Streetwise Reports for this article. Streetwise Reports was not paid by the author to publish or syndicate this article. 4) This article does not constitute investment advice. Each reader is encouraged to consult with his or her individual financial professional and any action a reader takes as a result of information presented here is his or her own responsibility. By opening this page, each reader accepts and agrees to Streetwise Reports' terms of use and full legal disclaimer. This article is not a solicitation for investment. Streetwise Reports does not render general or specific investment advice and the information on Streetwise Reports should not be considered a recommendation to buy or sell any security. Streetwise Reports does not endorse or recommend the business, products, services or securities of any company mentioned on Streetwise Reports. 5) From time to time, Streetwise Reports LLC and its directors, officers, employees or members of their families, as well as persons interviewed for articles and interviews on the site, may have a long or short position in securities mentioned. Directors, officers, employees or members of their immediate families are prohibited from making purchases and/or sales of those securities in the open market or otherwise from the time of the interview or the decision to write an article, until one week after the publication of the interview or article.

( Companies Mentioned: LEM:TSX.V; LEMIF:OTCQB, )

from https://www.streetwisereports.com/pub/na/17523

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christophergill8 · 6 years ago

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5 tax tips for the next Powerball millionaire

Yes, I bought a ticket for the March 27 drawing of the $750 million and counting Powerball lottery.

Yes, I know the odds of winning the jackpot, which is the fourth largest Powerball prize in U.S. history, are about 1 in 292 million.

I know many of my hardcore personal financial colleagues chide all of us handing over, in all likelihood, money for nothing but a slip of paper. But hope spring eternal when just a couple of bucks could make all your financial woes disappear.

If, however, I — or you or many of us; hey, I'm willing to share! — do see our lucky numbers pop up tomorrow night, we need to be ready.

So here are 5 quick tax tips for lottery and other prize and/or gambling winners on how to deal with your new and sudden wealth.

1. Hire or at least consult a tax professional. By now, everyone is well aware that lottery jackpots mean big winnings for the tax man, too. A tax pro will be able to give you an overview of the myriad tax issues you'll face at the federal and your state and local levels.

Regardless of how you receive your winnings (more on this in tip #2), Uncle Sam will get his cut up front. At the federal level, taxes on lottery winnings of more than $5,000 are withheld automatically at the 24 percent rate.

Similar withholding also might be handed over to your state tax collector if you don't live in a state, like my native Texas, without an income tax.

Even if you do usually pay state taxes, some states have special tax rules for lottery winnings, ranging from lower rates to no taxes on resident winners.

Your tax adviser, and you should hire/consult him or her before you go collect your winnings, can help you maneuver the immediate tax matters, as well as advise you on the next tax steps a sudden millionaire must think about.

2. Decide how you want your money. The smart-ass answer is "as soon as possible." But that's not necessarily the smart answer.

Depending on where you live, you'll have time, possibly months, to decide whether to get your winnings at once in a lump sum — around $465.5 million, of which about $111.7 million will be immediately withheld in federal taxes, bringing the amount down to almost $354 million — or as 30 annuity payments over 29 years (the first payment is immediate).

Your tax pro can help you break out the tax costs of the choices.

The advantage of taking a lump sum is you get all the money at once. The disadvantage of taking a lump sum is that you must pay tax on the entire amount in one tax year.

The advantage of an annuity is that you're taxed only as you receive the payments. The disadvantage of an annuity is you only get a few million a year. OK, not really a disadvantage, but you know what I mean.

You also don't have any control with an annuity over how the winnings might grow. Compare the effective yield of the annuity with what you could earn by taking the money at once, paying the taxes and then investing the proceeds on your own.

You also need to do a little economic and political prognosticating. The current top federal individual ordinary income tax rate is, thanks to the Tax Cuts and Jobs Act (TCJA) is 37 percent. Plus, there's the 3.8 percent net investment income tax that's tacked on to earnings by wealthy taxpayers, of which you'll be a part.

The current federal top individual tax is in effect through tax year 2025. After that, it could go back up to the previous high of 39.6 percent. Or depending on the outcomes of intervening elections, it could hold steady or be cut some more.

Similarly, you need to think about what your current state tax liability is and might be in the future.

That's a lot to consider, which brings us to tip #3.

3. Pick a team of financial and legal advisers. Regardless of how you take the winnings, you're probably going to be in the highest tax bracket for a while. Your tax pro, as well as an investment adviser, accountant and attorney can help you sort through the financial and legal intricacies of dealing with such a large amount of money.

There are ways to legally shelter your income, but typically they are complex. That's why the rich hire the best and brightest advisers to maneuver through the financial and tax rules and regulations.

You're part of that wealthy club now, so use some of your winnings to hire experienced financial professionals to help safeguard your membership.

4. Carefully consider gifts. With all that new disposable income, you'll probably want to share the wealth. Good for you.

The gifts likely will include with charities as well as with friends and family.

If you want to give to your favorite IRS-approved nonprofit, talk with the charity first. While it will definitely be grateful for the financial help, getting a huge gift also could pose some planning issues for the organization.

Don't just show up with a big check. Work with the group, again through your financial advice team, to set up a giving strategy that helps the charity and does your financial and tax plan some good, too. A better move might be setting up an endowment fund that makes an annual payment to that charity.

As for your family and friends, make sure you know what effect such a gift could have on them and you. True, gifts are never taxable to the recipient, but when you give more than the annual gift exclusion amount -- which is $15,000 this year -- then you have some tax paperwork to complete.

Also, note that an extravagant gift, however well-intentioned, could have additional financial obligations that the recipient isn't prepared to meet.

An expensive car means higher auto insurance costs. A high-dollar home also will have more operating and maintenance costs, as well as an equally high property tax rate that the new homeowner might not be able to meet year after year.

And don't forget the ultimate gift, bequests to heirs. Again, your financial dream team can help you work through the considerations of what will happen to your money once you're gone.

The TCJA has greatly increased the federal estate tax exemption. Currently, heirs can leave a tax-free estate of up to $11.4 million, twice that for a married couple. It's also adjusted annually for inflation, so by the time this is a consideration, more of your estate could be free from the 40 percent federal estate tax.

This larger exemption is in place through 2025, unless political changes on Capitol Hill produce other tax changes. Again, another good reason to have a tax pro to help you track expected adjustments as well as any large-scale revisions.

A handful of states also collect an estate tax. A couple have inheritance taxes, too, so include that possibility in your bequests.

5. Add up your gambling losses. OK, we're just a quarter through the year so unless you have a major gambling problem, you probably don't have many gambling losses yet.

And realistically, if your Powerball numbers come up tomorrow night, you'll never accumulate enough in losing bets to make a dent in your taxes due on the jackpot.

Some of my old, losing Powerball tickets. Yes, I've been a big jackpot sucker for years!

But for the rest of us casual gamblers who occasionally drop a few dollars on lottery tickets or other games of chance, our relatively meager winnings might be offset by our many more gambling losses.

While the TCJA made a lot of changes to the Internal Revenue Code, one tax break of interest to bettors remains. You still can deduct your gambling losses against any winnings as an itemized deduction on Schedule A.

The key, as with all things tax, is to keep track of your gambling wins and losses throughout the year. Your losses can offset your winnings, but not create a gambling loss.

For most of us with a few bucks riding on Powerball this week or the next time it or its national counterpart Mega Millions get too big to resist taking a chance, our lottery tickets will go into our gambling loss folder.

But you never know.

Good luck to us all!

You also might find these items of interest:

Don't get into lottery tax trouble

How to report your gambling winnings to the IRS

Professional gamblers' deductions narrowed a bit under new tax law