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.
AARP Travel, a valuable resource for America's 76 million baby boomers who spend over $120 billion annually in leisure travel, today announced new insights into Multi-Generational family vacations (www.aarp.org/multigenvacation) - trips that include three generations or more, such as kids, parents, aunts/uncles and grandparents all traveling to one destination to vacation together.
The new research conducted by AARP Travel of people 45 and older offers valuable insights into multi-generational vacations including why families are going, where they're going, what they do on these family vacations, the challenges to plan them and why they create memories of a lifetime. AARP is also giving away a family vacation for six for an Alaskan cruise, Grand Canyon adventure, or Hawaiian getaway to one lucky sweepstakes winner. A daily prize drawing is also held and each day one winner will receive a gift card. Visit http://www.aarp.org/travelsweeps to participate in the sweepstakes.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7488431-aarp-travel/
It’s not the first question a parent asks. It’s likely not the fourth or fifth. But for parents like Brian and Diane Vollmert, the question of how to pay for their son, Scott, to receive the best care while providing for their family became an unmanageable challenge.
“From the very beginning, Scott didn’t fit cleanly in any category. He wasn’t clearly autistic. He wasn’t clearly developmentally delayed. He had characteristics of both,” said Diane. That combination of Autism Spectrum Disorder and developmental delay can add up to more than $2.4 million in care over Scott’s lifetime, according to a study published in the Journal of the American Medical Association’s Pediatrics last year. An astronomical sum for most Americans, including the Vollmerts.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7422152-northwestern-mutual-special-needs/
Clayton Homes is announcing that its homebuilding facility in Rutledge, Tenn., has received ISO 14001 Certification, making the company the first homebuilder among the members of the Manufactured Housing Institute to receive this achievement in the United States.*
The ISO 14001 certification is awarded to buliding facilities that have instituted international measures designed to reduce the cost of waste management and save energy consumption. The implementation of the ISO standard at the Clayton Rutledge facility will result in reduced waste, lowered consumption of energy and the promotion of the recycling of building materials, which endorses environmentally friendly operating procedures. Clayton Homes is leading the American homebuilding industry by example, putting the well being of its team members and the environment first. The continued cost savings of these green practices are one of the reasons why Clayton Homes is able to provide homeowners with affordable, smart homes.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7448251-clayton-homes-iso-certification/
Neighbors across the country will soon have an exciting opportunity to help change their communities for the better through State Farm Neighborhood Assist®. This philanthropic program awards 40 causes a $25,000 grant. Anyone in the United States can submit a cause beginning March 9 through March 30. Ultimately, voters will decide which community improvement projects win big.
Returning for its fourth year, State Farm Neighborhood Assist asks individuals to identify causes that would help make their communities safer, stronger and better-educated. Up to 4,000 causes will be accepted. The State Farm Youth Advisory Board (YAB) will then narrow down the field, using a scoring rubric to identify the top 200 submissions. The public will have a chance to vote 10 times a day from May 14 through June 3 for their favorite causes from the list of finalists. The 40 causes that receive the most votes will win a $25,000 grant. The nominations and votes will be accepted exclusively through a free Facebook app.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7417331-state-farm-neighborhood-assist/
Walden University Scholars of Change focus on the future, whether they are transforming the way children learn, mentoring, or improving living conditions for others. More than 175 Walden University students and alumni submitted inspiring videos of social change in their communities for the university’s 2014 Scholars of Change video contest. These scholars–along with hundreds of their fellow video contributors–are supporting Walden’s mission by putting their knowledge to use for the greater good.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7388451-walden-university-scholars-of-change/
‘Tis the season to discover your Om. For American fashion designer, Sigrid Olsen, Om resonates profoundly, imparting deeper focus, serenity, wisdom, and happiness. Sigrid offers her three favorite ways to refresh body, mind and spirit with this Creative Well-being Wish List for the Holidays:
Rejuvenate, relax and reinvent this New Year. Mix exhilarating cultural travel with art, yoga, and self-discovery. Reserve now for Sigrid’s upcoming Creative Well-being Retreat in Santorini next September. Entice a friend, a colleague, a sister, a daughter, or relish just going solo. Reserve by January 15, 2015 to receive a significant early bird savings.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7142231-sigrid-olsen-new-designs-for-living/
17.6 billion. That’s how many times U.S. shoppers visited brick-and-mortar stores during the 2013 holiday shopping season. That’s a lot of purchases – and a lot of receipts changing hands. Holiday sales are expected to rise 4.1 percent this November and December, meaning even more shoppers will be visiting stores and receiving gift receipts.
Just in time for the 2014 holiday shopping rush, a new receipt paper from Appvion, Inc., made with vitamin C instead of phenols like bisphenol A (BPA) and bisphenol S (BPS), is available to stores nationwide. Now shoppers can focus on finding that perfect gift instead of worrying about phenols in receipts they might receive.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7362451-appvion-launches-first-thermal-alpha-free-receipt-paper-using-vitamin-c-for-2014-holiday-shopping-season/
In its annual report on the EU budget published today, the European Court of Auditors (ECA) warns that the budget system is too focused on just getting funds spent and needs to place more emphasis on achieving results. As independent auditor, the ECA signed off the 2013 accounts of the European Union, but stresses that the management of EU spending is not yet good enough overall - either at EU level or in the Member States.
Throughout the 2007 to 2013 spending period, say the EU Auditors, the priority was given to spending the money - ‘use it or lose it’ - rather than to achieving good results. For instance, the choice of projects to receive EU funds focused first on disbursing the EU money available, secondly on complying with the rules, and only then - and to a limited extent - on results and impact.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/72762585-EU-must-focus-on-better-results/
A good breakfast satisfies you until lunch. A better breakfast prepares you to conquer the day! September is Better Breakfast Month, which is all about making breakfast a priority. Rebecca Lang, author of five cookbooks, is an advocate for starting the day with a healthy, tasty breakfast.
For more great-tasting breakfast recipes, visit RomanMeal.com. You can also enter the Roman Meal Baked Fresh Sweepstakes throughout the month of September at Facebook.com/RomanMeal. Receive a $1 coupon when you enter to win $2,500.
As Child Passenger Safety Week wraps up, the U.S. Department of Transportation's National Highway Traffic Safety Administration (NHTSA) is launching a new Car Seat Finder Tool, adding the ability to look up car seat recalls on its mobile app, and reminding parents and caregivers to register their child's car seat through its new campaign – “Don't Delay. Register Your Car Seat Today.” Every 34 seconds, a child under the age of 13 is involved in a crash and more than a third of children killed in crashes were not in car seats or wearing seat belts. NHTSA's new Car Seat Finder Tool is aimed at helping parents select the right car seat or booster seat for their child, while the campaign reminds everyone of the importance of registering car seats to receive important safety recall notifications.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7310151-ad-council-nhtsa-child-passenger-safety-2014/
Castrofate
"Shattered Soul"
from the album 'Castrofate' out March 1, 2014
Cataclysmic Metal Records
facebook.com/CataclysmicMetalRecords
Video by JNP Productions
http://www.jnpproductions.com/
www.castrofate.com
Order Page: www.castrofatepictures.com New CD and New Hit The Lights/Castrofate Shirt Paypal buttons will be added soon
CASTROFATE's "Shattered Soul" is Track 4 off the band's 5th self-titled album 'Castrofate' which features 8 songs and will be available from the band for $5 on March 1, 2014. The album will be sent free to people who purchased the band's previous 2 albums 'iHuman' & 'Systematic Suicide', anyone who has purchased those was placed on a list to receive a free copy, and anyone who still buys them will still be placed on the list up until February 4. Pre-Orders will also begin soon. The album, as well as the video, are the first to feature a full 4-piece line-up.
'Castrofate' album line-up:
Danny Castro - vocals & guitar
Tom DeFazio - lead guitar
Dok Dwyer - bass
Dima Shnaydman - drums
Produced by Nick Killmeier & Danny Castro
Engineered by Nick Killmeier at Crossfire Productions
