To find out more on the different types of car insurance in NSW visit http://www.nrma.com.au
At NRMA Insurance, we’re here to give you all the information you need to choose the best policy for you.
That means understanding the difference between agreed value and market value when you take out our Comprehensive Car Insurance.
One is not necessarily better than the other. It’s about which one is right for you.
Say your car is a total loss and you have chosen agreed value on your comprehensive car insurance policy.
Agreed value is a fixed value, that we agree to insure your car for upfront, which includes modifications, options and accessories. This gives you the confidence of knowing how much we’ll pay you if your car is a total loss, less any fees and charges. People often prefer an agreed value if they have finance owing on their car.
Market Value on the other hand is the value of your car as determined when an incident happens. This is influenced by such factors as local market prices, as well as the age and condition, of your car. It can be a cheaper option, as the amount you’ll receive is uncertain.
We hope this has been informative and you’re now ready to go. Remember that, whether you’re insuring a new car, the weekend wagon or a family hand-me-down, the decision to insure your vehicle for either its Agreed Value or Market Value is entirely up to you with our Comprehensive Car Insurance.
If you would like to know more, call us on 132 132.
NRMA Insurance. It’s insurance, just NRMADE Better.
This year, Beneful dog food is celebrating the fifth year of its Dream Dog Park program by supporting dog park projects across the U.S. ranging in size from Chihuahua to Great Dane proportions. Kicking off in June and throughout 2015, the Beneful team is supporting crowdfunding campaigns and working with community leaders and fundraising groups to help bring new dog parks to life or improve existing ones through a combination of financial support, hands-on volunteerism and shared dog park expertise.
“At Beneful, we know dogs and owners share a special bond, and there’s a special place in their hearts for their local dog parks. We’ve experienced it ourselves with our dogs, and we’ve seen it firsthand through our Dream Dog Park program,” said Brent Gleckler, Beneful brand director. “This year, we’re excited for the program to take a new shape with the Dream Dog Park Project, allowing us to reach even more dog-loving communities across the country.”
To view the Multimedia News Release, go http://www.multivu.com/players/English/7551751-beneful-dream-dog-park-project/
While the loss of a loved one is difficult for everyone, a child's limited ability to understand death can make grieving more difficult than it is for an adult. According to a recent national poll, 75 percent of children and teenagers under the age of 18 who have recently experienced a loss feel sad, anger, alone, overwhelmed and worried without really understanding why (ChildrenGrieve.org).
To better assist children through this difficult process, hospices offer grief and bereavement services specifically tailored for them. These services can help children realize grief is normal. Resources include individual or family counseling and referral information if another form of attention is needed. Even if the child's loved one was not in hospice care, he or she can take advantage of these services.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7429131-moments-of-life-by-hospice/
Junior Achievement USA® (JA) today announced the launch of its JA Heroes PSA campaign. The goal of this campaign is to connect volunteer mentors with young people to give kids the power to see their future, unleash their potential and let their dreams take flight.
Positive role models in the lives of young people are shown to help inspire them to overcome difficult circumstances. Yet today, millions of kids live in situations where they do not have access to mentors who can give them the guidance or insight they need to rise above negative peer pressure, economic uncertainty or simply a lack of direction.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7553451-ja-heroes-psa-campaign/
Her father was murdered and she would die for vengeance. But a dark stranger’s passion and his will refuses to let her go. Together they take on a deadly enemy with secrets that put everyone around them in danger. Love and vengeance take them to the Edge of Darkness. Edge of Darkness is an anthology where the story Dark Crime appears. Find out more at http://www.ChristineFeehan.com #EdgeofDarkness #DarkCrime romance/fantasy
Most people are diligent when it comes to protecting our skin in the hot summer months. But, what about what’s literally closest to the sun… their hair?
Repeated exposure to sun, salt water, and chlorine chemical residues can take an unstylish toll on our tresses. By the end of the summer, heat, humidity, chlorine or salt water can dehydrate hair to the point where it looks and feels nearly fried. Add tight ponytails and braids, relaxers, color, heat, curlers and a few extra chemical “sun” streaks for style and you’ll definitely want to keep a “lid” on it… Your hair, that is.
Don’t despair—warm summer days don’t have to lead to thinning-damaged hair. Learn to love your summer hair with a few basic do’s and don’ts for nourished, healthy, thicker and fuller looking hair from BIOTA Botanicals.
To view the multimedia news release, go to http://www.multivu.com/players/English/7521351-biota-botanicals-summer-hair-beauty/
Being a professional financial planner requires more than just being good with numbers. Today’s advisors must develop skills that can help them build personal ties with clients, understand their needs and create a strategy to help families pursue their goals.
Eager to produce “job ready” graduates, many universities and colleges are teaching the real world skills young advisors need in the workplace. And to help more schools take their programs to the next level, TD Ameritrade Institutional1 has awarded its third annual Next Gen Financial Planning Grants: a $50,000 grant to the University of North Texas in Denton, Texas, to expand an existing financial planning degree program, and $25,000 to Temple University in Philadelphia to foster development of a new program.
To view the multimedia news release visit
http://www.multivu.com/players/English/7559051-td-ameritrade-scholarship-winners/
Today, the Crohn’s & Colitis Foundation of America (CCFA) unveiled its newest fundraising and endurance initiative, spin4 crohn’s & colitis cures, an indoor cycling event that will raise funds for research, awareness, and patient services. The inaugural event will take place on December 5th at local studios and fitness centers in New York, Los Angeles, and Chicago as part of Crohn’s and Colitis Awareness Week.
“We’re eager to create a movement by launching spin4 crohn’s & colitis curesacross the country on December 5,” said Craig Comins, vice president of CCFA’s Team Challenge program. “It’s about motivating advocates to contribute to the IBD community and take research to the next level. We welcome all ages and athletic abilities to join us with one united voice to spin4 cures.”
Individuals form teams of up to four people per bike and participate in a two-hour indoor cycling relay. Alternatively, solo riders can take on the entire two-hours themselves. No matter the size of the team, each bike has a $1,000 fundraising commitment for CCFA. Professional instructors will lead teams to high-energy music offering a lively workout experience. The event is capped off with a cocktail hour to reward participants for their efforts in the stationary bike relay and fundraising success.
To view the multimedia news release visit
http://www.multivu.com/players/English/7512651-ccfa-spin4-crohns-colitis-cures/
THINK: A reminder to care for your skin from one of the world’s most approachable beauties, plus a transformative new take on moisturization to help you do just that.
WHAT IT IS: A double celebration, as we announce Jergens® Skincare’s new brand ambassador, actress and comedienne Leslie Mann, and what’s possibly the brand’s most exciting breakthrough to date — Jergens® Wet Skin Moisturizer. They’re both part of the new Jergens® “You’re More Than Just a Pretty Face” Campaign, which reminds women to care for one of their oft-neglected beauty assets: the skin on their bodies.
“The Jergens® brand is rooted in creating innovative visible skin enhancements that no other brand is able to offer” said Karen Frank, Vice President of US Mass and Global Skincare Marketing for Kao USA Inc. “We believe that your whole body is beautiful-- and that the skin on your body is just as important as the skin on your face. With the ‘You’re More Than Just a Pretty Face’ Campaign, we hope to inspire women to love everything about themselves, playing off the well-known colloquialism—while also reminding them to make the most of their biggest natural beauty asset, their skin-- without taking ourselves too seriously. When we looked at Leslie’s attributes and how women felt about her, they really related to her. They love her humor, her attitude, that she was multifaceted.”
To view the multimedia release please visit
http://www.multivu.com/players/English/7584051-jergens-leslie-mann-wet-skin-moisturizer/
Continuing a legacy of artistic collaboration that spans centuries, Hennessy welcomes multi-disciplinary artist Ryan McGinness as the designer of the new Hennessy V.S Limited Edition bottle. McGinness’ take on the iconic Hennessy V.S label features a distinctive radiant pattern in fluorescent colors that glow under black light, and is now available for purchase online and at select wine & spirits retailers nationwide.
Known for using the visual language of contemporary symbology, the New York-based McGinness is credited with elevating the status of the icon to fine art. His works have been exhibited in museums around the world.
The new Hennessy V.S Limited Edition is the fifth in a series that has included critically acclaimed artists, KAWS, Futura, Os Gemêos and Shepard Fairey, the collaboration with McGinness is a perfect embodiment of Hennessy’s 250 years of dedication to the art of blending. McGinness acknowledges the strong similarities between his artistic approach and the creation of Hennessy Cognac: “My process of combining elements and compounds to form mixtures parallels Hennessy’s artful blending of eaux-de-vie to create Cognac. The shared approach to our crafts is part science and part art.”
To view the multimedia release please visit:
http://www.multivu.com/players/English/7582851-hennessy-ryan-mcginness-limited-edition/
Available to view for the first time, fans of everyone’s favourite construction hero Bob the Builder; can now take a first look at the exciting content from the brand new series featuring an all-new look and first-class celebrity voice cast. The new trailer will be available to watch on the Bob the Builder YouTube Channel today.
Bob the Builder has been entertaining pre-schoolers for the past 16 years with his antics in the seaside harbour town of Fixham, bringing the world of construction to life in an inspiring and meaningful way.
For the upcoming new CGI-animated series launching on Channel 5’s Milkshake from 1st September 2015 at 7.20am, Bob the Builder has been given his biggest re-vamp in the show’s history with a modern look and feel.
The new-look Bob is still the same Bob that audiences know and love though. His dungarees might have been replaced with a hi-vis jacket but his chunky boots, yellow hard hat and checked shirt all remain, ensuring TV’s best-loved builder remains just as recognisable as ever. With his trusty tool belt now jam-packed with all manner of handy kit, Bob is ready to go… No project is too big, no problem too hard to solve.
The new series will see Bob the Builder continuing its long tradition of telling fun and interesting stories through positivity and teamwork with exciting characters, relatable locations and an aspirational hero.
To view the multimedia release visit:
http://www.multivu.com/players/uk/7594151-bob-the-builder-world-construction-to-life/
In this new video from EisnerAmper, one of the nation’s leading providers of employee retirement plan audits, partner Kriste DeAngelo presents a basic outline for how Benefit Plan Administrators should take extra care to avoid late filing of Employee Retirement Plan contributions, or remittances. View EisnerAmper’s newest video at http://www.multivu.com/players/English/7461932-eisneramperemployee-benefits/ DeAngelo, who is the lead engagement partner for over 50 retirement plan clients, says there are three steps all plan professionals should take at the outset
Determine the earliest date that your company can reasonably segregate participant deferrals from the general assets of the company and remit into the Plan, and document the company’s remittance process. 2. Follow what has been documented. 3. Check the remittance data throughout the year – this is crucial. According to DeAngelo, “Anything outside of the expected time frame could be considered a late remittance by the DOL and should be voluntarily corrected.” DeAngelo goes on to say that many benefit managers stumble on the perception that, according to the DOL, retirement plan remittances must be made “no later than the 15th business day of the following month.”
To view the multimedia release visit:
http://www.multivu.com/players/English/7461932-eisneramper-employee-benefits/
