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Marijuana's Role In The Insurance Industry

As marijuana is not yet legal in all 50 states, businesses dealing in the drug have found it difficult to operate. While traditional entrepreneurs have everything from a variety of loan options to several insurance choices, marijuana business owners are lucky if they can find a single bank to interact with or an insurer willing to cover them. Banks say their hands are tied when it comes to marijuana-based companies, but insurers are able to make up their own minds about whether or not to offer coverage to cannabis-related firms and as the industry grows, more and more insurers are jumping on board. A Different Set Of Risks Marijuana firms face a unique set of risks that their insurance must cover. One of the biggest issues the businesses face is theft as most operate largely on a cash basis due to the difficulty associated with opening up a marijuana business bank account. Growers also face pollution issues and both producers and dispensaries struggle with neighbors' complaints. Options Limited As with any small business, owners are typically in need of an insurance policy to guard against a worst-case scenario. However, as the industry is still in its infancy, there aren't many options when it comes to insurers willing to take on a pot company. Many insurance firms are reluctant to enter uncharted territory while others say they would prefer to wait until the drug has been made legal across the entire nation before stepping into the sector. For that reason, those i...  

Soccer Transfer Rumors: Porto Eyeing Real Madrid Goalkeeper Iker Casillas; FC ...

First Posted: Jul 07, 2015 08:30 AM EDT MADRID, SPAIN - MARCH 15: Goalkeeper Iker Casillas of Real Madrid CF looks on sitted on the bench prior to start the La Liga match between Real Madrid CF and Levante UD at Estadio Santiago Bernabeu on March 15, 2015 in Madrid, Spain. (Photo : Gonzalo Arroyo Moreno/Getty Images) Transfer market wheels keep on turning as European teams scramble to get new acquisitions. The end of Iker Casillas's 25-year affiliation with Real Madrid drew near on Monday when news that the goalkeeper is interested in Porto was broken by his agent. The Portuguese club submitted a formal bid for Casillas. "Iker is interested in Porto and Porto are interested in Iker. We hope Madrid facilitate his departure," agent Carlo Cutropia told Portuguese media site Record. Madrid has not accepted the bid as of this writing but they are committed to moving their captain Casillas to another team this summer, Spanish TV station TVE reported, as translated by Daily Mail UK. Real has been continuously pursuing Manchester United goalkeeper David de Gea, not only to acquire a new addition to the team, but also to encourage the captain to depart Real. Real has struggled to find a way to make moves toward that goal, as few clubs expressed interest in acquiring the 34-year-old player for a significant amount of money. Real had agreed with Casillas that they will ensure that his salary remains around the same amount, eve...  

3 Reasons Why I Own Google Inc Stock

YouTube is the most popular video service on all screens, with hundreds of millions of hours watched on the platform on a daily basis. Besides, applications such as Gmail, Chrome, and Maps are among the most popular and ubiquitous, both in desktop and ...  

It all started with summer league swimming

Courtesy of Bryana Cielo. Follow: @BryanaCieloThe summer I turned eight, I was dropped off at a scary new pool with little knowledge of who anyone was. But I was excited. It was the beginning of my competitive swimming career. I was able to get up on the blocks and show everyone what I was made of–a thrill that swim lessons hadn’t afforded me. It was a whole new world. I looked up to my coaches like they were Greek Gods. I wanted more than anything to be like them. They knew so much about swimming and they were always so nice. I wanted to be that nice when I was an adult.This introduction to the competitive side of swimming not only intrigued me, but gave me the confidence I needed. I won the 8-year old high point trophy at that year’s championships. The trophy sits proudly on my dresser to this day.I began club swimming that next fall, and it was a whole different atmosphere. The coaches expected me at practice every day, asked what my times were, and I didn’t quite win as much as I did in summer. The intensity of the atmosphere motivated me, but going back to my recreational team every June was something I always looked forward to. You couldn’t find me on deck without a smile. My team was small, but we were a family, and that’s what made it such an incredible experience. It was those summers when I learned the true meaning of the word team.It is now the summer I turn 18. I am currently head coach of my summer league team, and it is...  

Auto Industry: Outlook For Toyota, Volkswagon And General Motors

Summary Toyota is the most stable company, has a strong balance sheet and is not manipulating their income statement. Volkswagen is risky because of their acquisition strategy and higher debt levels. General Motors is not accounting for unrealized income that negatively affects their income from the last 5 years by 31%, thus definitely a sell. IntroductionI became very interested in the automotive industry because it is one of the few industries that is growing with relatively low PE ratios (Table 1.). You can read about my view on the general automotive industry's long-term prospects in this article. After research has shown that there is not much to be feared in the long term because of the growth megacycle the automotive industry is in, I now want to analyze the shorter term (up to a few years and in relation to the current automotive cycle) based on individual companies. The low PE ratios suggest that the market thinks the current growth cannot be sustained and that there will be trouble ahead. Of course, every company is different and thus any kind of future shocks in the industry will affect companies in various ways. In this article I will analyze the factors that I think are the most important when assessing the risks of a cyclical global company. As the companies have a good worldwide sales diversification the most important factors to look at are internal. Those factors are: Balance sheet strength, growth sustainability and other comprehensive income.Table 1. The 1...  

6 Stocks Powering Higher As Emerging Markets Grow

In sports and in investing, the home team has an advantage. And Frederick Jiang has hit the ball out of the park as co-manager of the Ivy Emerging Markets Equity fund (ticker: IPOAX). The 21-year-old fund was up roughly 9.4% over three years through the end of May, which is more than three percentage points better than the Lipper and MSCI emerging market benchmarks. This year, the fund is in the top 1% of its category. One of... ...  

Streaming Music Has an Offline Problem

We set up early on the beach, trying to get a good view of the famous July 4th fireworks on South Lake Tahoe. We came seriously prepared: a huge canopy to help us avoid repeating the previous day’s sunburn disasters, a giant cooler filled to the brim, and every beach game we could find at the Big Kmart down the street. My primary contribution was the UE Megaboom, the barrel-shaped Bluetooth speaker with enough power and battery to turn our half of the beach into a thumping BBQ dance party. There was just one problem—a pesky little “1x” at the top left corner of my iPhone’s screen. Technically, the symbol indicates you have 2G service (party like it’s 1999!), but really, the 1x is the universal indicator that you can’t do nothin’ on your phone. So around the circle we went, the whole dozen of us, everyone checking their phone to see if they had enough service to stream music. Nobody did. And nobody had any music stored on their phone, because why would they? It’s 2015. Our day turned into a constant battle against YouTube, Spotify, and Pandora, and I don’t think we ever got through a full song without interruption. It sucked. Streaming music has an offline problem. As they’ve fallen all over themselves reminding us how wonderful it is to have 30 million songs only a few taps away, all for the low, low price of $10 a month, these companies have forgotten that the key to a great music experience is ...  

NJ Politics Roundup: Christie blasts Clinton, Trump, Cruz; Democrats eye ...

TRENTON — Gov. Chris Christie, a 2016 Republican presidential candidate, gave a trio of television interviews Monday.  He said he's not worried about his low poll numbers and that he'll qualify for the debates. He criticized Hillary Clinton for roping off reporters at a parade, declared that Donald Trump will ultimately have no effect on the GOP race, and slammed Ted Cruz for supporting a group challenging sitting Republican senators. Meanwhile, here is a look back at Christie's week in New Hampshire. And Christie ranked last among the GOP field in a straw poll of NJ.com users. DEMOCRATS EYE CHRISTIE'S RESIGNATION Democratic state lawmakers will soon introduce legislation that would force Christie to resign because he is running for president, NJ Advance Media learned. STUDENT LOAN LOTTERY A state lawmaker says New Jersey should set up a lottery in which the winning tickets pay off student loans. IN OTHER NEWS ... • Christie signed a bill that wrests control of emergency ambulance services in Camden from one south Jersey hospital chain and gives it its competitor, Cooper Health, overseen by south Jersey power broker George Norcross. • President Obama signed U.S. Rep. Donald Payne Jr.'s bill to ensure that the federal Department of Homeland Security and first responders can talk to each other. NJ Advance Media staff writers Claude Brodesser-Akner, Matt F...  

Firmino out to keep improving at LFC

Roberto Firmino has vowed to do all he can to keep improving following his move to Liverpool in order to help bring more success to the club. The Reds announced last month that a deal has been agreed for the Brazil international, who will join his new teammates in training after an extended break earned through his Copa America exploits this summer.  Firmino makes the move to the Premier League after five seasons spent with German outfit Hoffenheim, for whom he scored 49 goals in 153 appearances. But the 23-year-old views his switch to Anfield as the start of a fresh challenge, rather than an indication that he can rest on his laurels. "First and foremost, I’m looking forward to the new challenge and I’m excited to see what the Premier League has to offer," he told Hoffenheim's official website. "Of course everything will once again be new to me at the start. I’m going to have to get used to a new playing style, but I’ll also get the opportunity to improve my game even further there.  "Obviously I’d like to establish myself as a starter in my new team and go on to celebrate a lot of success at Liverpool.” Firmino's spell with Hoffenheim saw him named as the Breakthrough of the Season for the 2013-14 Bundesliga campaign, and earn a maiden Brazil cap last year. As a result, the former Figueirense starlet is keen to thank the Sinsheim club for giving him the opportunity to flourish. "I was only 19 when I came to Hoffenheim," he...  

Volvo sells component plant to Amtek Group

Volvo Cars today says it has sold its component plant in Floby, Sweden, to Amtek Group, a global manufacturer of automotive parts. The Floby plant produces brake discs, wheel hubs and connecting rods for passenger cars and commercial vehicles. Located in Western Sweden, the site is a supplier to the automotive industry with around 70% of its output sold to external customers, outside Volvo Cars. The plant employs 441 people, all of whom will retain their positions under the new ownership. Show the press release Volvo Cars sells its Floby component plant to Amtek Group Volvo Cars today announced that its component plant in Floby, Sweden will be sold to Amtek Group, a global manufacturer of automotive components. The Floby plant produces brake discs, wheel hubs and connecting rods for passenger cars and commercial vehicles. The Floby plant, located in Western Sweden, is a supplier to the automotive industry with around 70 per cent of its output sold to external customers, outside Volvo Cars. The plant has a long history of high quality products and long-term customer relationships. The plant employs 441 people, all of whom will retain their positions under new ownership. Amtek Group is a component manufacturer with its headquarters in India and manufacturing facilities globally. Its customers are automotive manufacturers as well as companies in other industries. “I am very pleased with Amtek as the new owner of the Floby plant. As a global company wit...  


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