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.
T. Rowe Price has launched Star Banks Adventure, an online game and mobile app, as a fun way for kids to learn financial concepts that will help them manage money in the future. Our 2015 Parents, Kids & Money Survey found that three-quarters of parents and kids think that game apps are a good way to teach kids about financial matters. Star Banks Adventure, now available for download on iOS and Android devices and online at starbanksadventure.com, is designed with a tile-matching concept to reinforce financial education topics and engage kids in an epic adventure to save the galaxy from financial chaos.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7455231-t-rowe-price-financial-education
S&T Bank (S&T) (NASDAQ: STBA), a full-service financial institution with assets of $5.8 billion, branch locations in 12 Pennsylvania counties and loan production offices in northeast and central Ohio, announced today a rebranding initiative that elevates the company’s corporate identity, while maintaining its century-long heritage…one customer at a time. To support the new look and feel, S&T will launch a brand campaign that plays on the ampersand (&) in its name. The campaign connects the major moments in customers’ lives with S&T Bank and will include television, radio, outdoor, and online components.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7288351-s-t-bank-rebranding/
Concur, the world’s leading provider of integrated travel and expense management solutions and services, today announced partnerships with Lyft and HotelTonight. These partnerships continue the company’s commitment to meet modern business travelers’ needs for on-demand services, while also providing finance and travel managers greater visibility and manageability for business expenses.
A 2015 survey of travel managers found that more than 50 percent say the booming on-demand and sharing economies are a top trend impacting travel programs. Supporting this observation, Concur saw a 7x increase in amount of spend by Concur customers expensing Lyft. Also, data from HotelTonight shows that more than 40 percent of people who book with the app have used it for business travel.
To view the multimedia news release visit
http://www.multivu.com/players/English/7203652-concur-lyft-hoteltonight-partnership/
In the era of consumption upgrade in China, one fresh product e-commerce startup is growing rapidly. Missfresh started in 2014, and now receives over millions of orders per month, operating with an integral financing platform YiQiFin. Its growth is a typical example of how small and medium enterprises could be empowered by technologies.
The use of the Internet and new technologies is the future of small businesses that need to consolidate and survive in a world with constant changes, concluded by the Asia Pacific Economic Cooperation (APEC) Summit’s Small and Medium Enterprises (SME) meeting which just closed this November. This provides a clue to solve an international issue, known as the dilemma of SMEs.
To view the multimedia release go to:
http://www.multivu.com/players/English/7997451-creditease-boosting-sme-growth/
“Want to enjoy life,” “like to learn things,” “look for adventures and like to take risks” – these traits tell the story of how Americans perceive entrepreneurs, as revealed in the 2015 Amway Global Entrepreneurship Report (AGER).
It’s an optimism that permeates the research again this year, with 86 percent of Americans expressing positive attitudes toward entrepreneurship, up a remarkable 24 percent from 2014 and a resounding 11 percent more than the 2015 global average (75 percent). Echoed by their strong desire for “independence from an employer” and “self-fulfillment, possibility to realize own ideas,” at 75 percent and 72 percent respectively, this positivity is indicative of the country’s thriving entrepreneurial spirit.
“The attitude toward entrepreneurship is not only remarkably high but significantly increased from last year when fewer than two-thirds of respondents reported a positive attitude,” notes Dr. David B. Audretsch, professor and director of the Institute for Development Strategies at the Indiana University School of Public and Environmental Affairs. “What’s more, the secondary importance of financial compensation contradicts the most prevalent stereotypes and myths about why people choose entrepreneurship.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7402451-amway-ager-spirit-index/
St. Petersburg International Economic Forum was held, bringing together more than 12,000 participants from 133 countries, including media representatives and business and government delegations. On June 16, Deputy Prime Minister of Russia, Chief of Staff of the Presidential Executive Office, and Chairman of the SPIEF Organizing Committee Sergei Prikhodko gave a welcome address at the official opening of the Forum. Heads of states, government officials, and executives from leading international companies and organizations gathered in St. Petersburg for one of the key global business events of the year.
Advisor to the President of the Russian Federation and Deputy Chairman and Executive Secretary of the SPIEF Organizing Committee Anton Kobyakov highlighted the Forum’s significance. “One of the key achievements of this year’s Forum is that it has once again confirmed its reputation as one of the largest, most reputable, and indispensable global platforms for direct and frank discussion between representatives of the state, the business community, academia, and experts from all over the world on the current challenges facing the global economy and financial sector. The number of Forum participants continues to grow year after year, which is another testament to Russia’s enduring role as an important global business and finance hub. We highly value the interest and, more importantly, the trust of Forum partners, guests, and participants.”
To view the multimedia release go to:
http://www.multivu.com/players/uk/7869551-outcomes-20th-spief-2016/
Spring not only brings warmer temperatures and sunnier days, but also a sense of renewal. For some, wedding bells will soon ring and tax refunds will finance new cars. When making such important life decisions, the National Association of Insurance Commissioners (NAIC) cautions consumers to take the time now, before a major purchase or life change, to fully protect themselves from the unexpected. The NAIC developed Get Ready resources to help consumers do just that.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/7163151-naic-get-ready-resource-kits-help-get-smart-about-insurance
UBM Tech today unveiled the new community-driven Bank Systems & Technology (banktech.com), an interactive platform for bank technology professionals to connect with peers, editors and industry experts. The redesigned site provides the latest news, commentary, and discussion on the most pressing issues that technology and business leaders face in the financial services market. More than 50 new community contributors involved in banking channel strategies, payments, security, bank core systems, data management and compliance trends will enrich its award-winning editorial coverage.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/7233651-ubm-tech-unveils-new-community-driven-bank-systems-and-technology
The current student loan debt crisis in the U.S. is real. Total student loan debt currently stands at more than $1.16 trillion. And, according to the Federal Reserve Bank of New York, student loans represent the highest amount of delinquent debt compared to all other forms of household debt, including mortgages, auto loans, and credit cards.
Gaining a college education has long been among the most important first steps towards obtaining a happy and prosperous life. The reality, however, is that most college graduates are starting their adult life deep in debt, and feeling stressed and completely unprepared to manage their financial lives. The good news is that the government has created programs to help borrowers reduce the burden caused by student loan debt. To learn more about these government programs, visit StudentAid.ed.gov.
Money Management International (MMI), along with other nonprofit organizations and consumer advocate groups, have taken additional steps to help struggling student loan borrowers understand their repayment plan options, find solutions for managing other debt obligations, and create realistic action plans for reaching overall financial success.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7406151-mmi-student-loan-debt/
Debt is a buzzword for politicians, a burden for students, a necessity for most homeowners and a reality for 70 percent of Americans.
But despite this fact, 30 percent of those in debt have no plan to pay it off, according to a recent survey conducted by Fifth Third Bank (NASDAQ: FITB).
Fifth Third commissioned the national survey to examine the financial beliefs and behaviors of American adults. The results provided a snapshot of our nation’s financial literacy, with 82 percent of respondents citing financial independence as a goal in their lives. The survey also revealed how the three largest generations in America differ in their understanding and management of savings, budgeting, retirement planning and credit.
“At Fifth Third, we were curious to discover how knowledgeable Americans are about their personal finances,” said Jada Grandy, senior vice president and Community Reinvestment Act strategies director, Fifth Third Bank. “The results of this survey give insight into financial literacy in America, as well as the needs of customers at different key stages of their lives. This knowledge arms Fifth Third with the tools to support our customers at every step on their journey to financial independence.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7723851-fifth-third-bank-life/
UBM Tech today announced the new community-driven Wall Street & Technology (wallstreetandtech.com), an interactive platform for capital markets and investment management technology professionals to connect with peers, editors and industry experts. The redesigned site provides the latest news, commentary, and discussion on the most important issues facing technology and business leaders in financial markets. Complementing its award-winning editorial coverage is perspective from more than 50 community contributors.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/7202051-ubm-tech-wall-street-and-technology-investment-management
