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Dubai (CNN) — What strikes home as the shuttle boat approaches the $5 billion megaresort being constructed off the coast of Dubai is its sheer audacity.
Nearly two decades in the making, the Heart of Europe forms just one section of The World — a vast collection of man-made islands roughly in the shape of an atlas — but when completed it will be the opulent centerpiece.
In the middle of a pandemic, it could yet prove to be a work of genius in its efforts to recreate the continent of Europe for upscale vacationers unwilling to make the trek.
Amid a global travel downturn caused by Covid, it also represents a major leap of faith in Dubai’s long-term allure.
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After a four-kilometer boat ride from the mainland, the World’s 300 artificial islands rise up out of the Arabian Gulf like inverted golf bunkers.
Most of these have stood empty since the project began in 2003, with subsequent global financial downturns doing little to encourage developers.
And then the Heart of Europe (HoE) comes into view.
No fewer than 15 luxury hotels, vacation homes and billionaire mansions now stand or are beginning to appear on these aquatic plots. Most are still unfinished, awaiting the final touches needed to meet the first completion deadlines at the end of 2020.
Six themed islands form the Heart of Europe, with travelers able to choose between locations designed to replicate Sweden, Germany, Switzerland, Venice, the Cote d’Azure and others.
The concept is that, once they’ve arrived, guests should be able to convince themselves they’ve been transported from often sweltering Arabian heat to less arid climes.

Snowballs in the heat

Sweden Beach Palace with dragon head2

 
 
 
On Sweden island, «palaces» are built beneath roofs that resemble upturned Viking boats.
HEART OF EUROPE
On Sweden island, the surreality of this concept can literally hit you like a snowball in the face.
Within the island’s vast $21.8 million show mansion — one of 10 «palaces» beneath rooftops resembling upturned Viking ships — is a basement housing kitchens, a gym, spa and sauna … and a snow room.
White flakes are delivered on demand against an alpine backdrop from machinery powered by the same Arabian sunshine warming the infinity pool upstairs.
The mansion’s epic scale and unbridled yet tasteful opulence is stunning.
Surrounded by un-Scandinavian lush jungle, the boutique hotel-sized six-level homes come with an elevator as well as a private beach.
Exclusive furnishings by high-end car maker Bentley include plush seating for lavish dinner parties at a table the length of a limo, a circular bed with ocean views and a huge marble tub.

The Sweden Beach Palace has a snow room.

 
 
 
The Sweden Beach Palace has a snow room.
Francois Nel/Getty Images
Further up, a domed party lounge larger than many bars can accommodate 300 guests — ideal for those post-pandemic celebrations.
They’ll be able to toast their neighbors over in Germany — an impossible gesture in real life geography, yet feasible in the Heart of Europe atlas.
The design of Germany island’s 32 futuristic beach or lagoon-facing dwellings are inspired by Bauhaus, but more closely resemble a lunar colony. Only one of these remained unsold at the time of writing, with a $7.89 million price tag.
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World firsts

Portofino - DD

 
 
 
The Portofino resort has colorful, Italian-style, facades.
Courtesy David Dunn
The Portofino resort on Main Europe island, like the celebrity coastal enclave it’s named for, has a colorful Italianate facade.
Arrivals here will be checked in by Italian-speaking employees, working to clocks set to the Italian timezone. They’ll be able to spend euros here — surreal again for a resort just minutes by boat, helicopter or seaplane from mainland Dubai.
«Coming here you should forget you are in Dubai and feel you have reached Europe,» says Josef Kleindienst, the Austrian chairman of Kleindienst, the real estate group developing the islands.
«You should have the impression you’ve come to Italy and then you walk and come to Spain and France and to London.»
Portofino’s colorful demeanor extends to the boutique hotels in the Côte d’Azur area of Main Europe island. These are named after French Riviera playgrounds Monaco, Nice, Cannes and St. Tropez and will be staffed by French speakers.

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On Germany island, villas are inspired by Bauhaus designs.
Courtesy David Dunn
Here developers promise more world firsts, including the largest sustainable swimming pool, fed by solar-power desalinated sea water and nature-friendly filtration.
Main Europe is also the location of Rainy Street, a thoroughfare climate-controlled to 27 C (80 F) to mimic a European summer climate where showers fall on demand and a snow plaza issues icy flurries.
In a country that rarely experiences natural precipitation, these quirky concepts will likely be relished by UAE guests.
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Floating police station

Cote d'Azur outdoors swimming pool and facade render (1)

 
 
 
One resort, Cote d’Azur, is intended to evoke the French Riviera.
HEART OF EUROPE
The Heart of Europe has already proven popular with citizens in the region. Kleindienst says most of its recent real estate investors hail from the UAE.
The project’s first phase is slated for completion by close of 2020, with all three phases due to finish by 2023.
By then it will include The Floating Lido — a Venetian-inspired resort comprising a hotel, the world’s first underwater spa and gym and a floating beach.
The completed project will include Switzerland, with 77 mountain chalet-inspired villas.
There will also be a floating police station and a circus featuring hologram animals.
Other hotels will be named for locations such as Spain’s Marbella and Ibiza, Germany’s Munich, Greece’s Ikaria and London.

Honeymoon island and Floating Seahorse by day (angle 2)

 
 
 
The heart shaped «Honeymoon Island» is for newlyweds.
HEART OF EUROPE
And there will be a dedicated wedding hotel — St. Empress Elizabeth — and heart-shaped Honeymoon Island, where newlyweds can relax on sunrise and sunset-designated beaches.
While the idea of artificial islands laden with resorts in a destination already boasting hundreds of hotels may seem like an exercise in excess, Kleindienst highlights efforts to improve or preserve the environment.
At the Coral Institute, located in the Portofino resort, several aquariums and tanks display a breeding program that centers on 50 local species, including carpet sharks.
The sharks, not considered dangerous to humans, will ultimately reside around the islands as part of the developer’s «seahabilitation» program to «expand the marine ecosystem and help rebalance the underwater environment.»
Meanwhile, native and migratory birds are already discovering extensive greenery introduced to the landscape.
Hanging gardens on hotel facades and painstakingly relocated Spanish olive trees aged 100-1,500 years appear to be prospering.
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‘Prosperous environment’

The Floating Seahorse Bird's eye view photo digital

 
 
 
The plan is to create 147 «Floating Seahorse» villas.
HEART OF EUROPE
The Coral Institute is nurturing 20 local varieties of living coral, eventually destined to enrich at least 500,000 square meters of reef with 100,000 corals a year.
These will be particularly visible to occupants of the futuristic Floating Seahorse villas, individual dwellings that will have rooms above and below the waterline — some of which are currently on sale.
«This is their village,» says Kleindienst’s marketing director, Delphine Cazals, as nimble shoals of fish probe existing coral beyond the subaquatic window of one of what are being touted as the world’s first three-level floating villas.
Ultimately there will be 147 Floating Seahorse villas anchored in three «colonies» around HoE.

Floating Seahorse Aquarium in Bedroom photo digital (5)

 
 
 
Below-deck views in one of the Floating Seahorse villas.
HEART OF EUROPE
At sea level, a swish lounge and dining area, also furnished by Bentley, opens onto a sundeck, while an open-air top floor yields further entertaining space complete with a mini kitchen, seating and hot tub.
As with the rest of the megaproject, Seahorse villa design and construction follows guidance from world-renowned Feng Shui Master Victor Li Dexiong — promoting «a prosperous and happy environment,» intended to appeal to Chinese buyers.
But across the Heart of Europe project, unusual construction circumstances have brought challenges.
For Kleindienst these have included the need to strengthen the surface of islands to ensure surface durability, and sourcing suitable construction technology to comply with strict zero discharge environmental policies written into The World vision from inception.
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Tourism mix

Construction on the Heart of Europe, seen here in July 2020, was barely affected by the pandemic.

 
 
 
Construction on the Heart of Europe, seen here in July 2020, was barely affected by the pandemic.
Francois Nel/Getty Images
Those close to HoE stress the completed resort will not be a cultural theme park, but an upscale second home and vacation destination.
Besides property investors, it will target international tourists seeking alternative hospitality experiences and UAE residents expanding their staycation horizons.
With the pandemic set to impact economies and international tourism for months to come, Kleindienst says he thinks fewer overseas tourists will be balanced by the local market, eventually resulting in a 50/50 mix.
He says the Heart of Europe was targeted toward domestic traffic since the beginning, with its «getting away without getting on a plane» scenario.
What remains to be seen is whether the completion of this megaproject will galvanize owners of remaining The World islands which, 12 years after emerging from the sea, are still to be developed.
Kleindienst believes they are watching his progress.
«For sure… other island owners want to see if you are earning money, if you earn money, they will also move,» he says.
Being separated from the mainland, HoE was also able to remain Covid-free when 1,200 island-based construction workers and other staff, including the chairman, went into a voluntary two-month isolation during the first wave.
As a consequence, while much of civilization came to a standstill, construction boomed as crews opted to work longer to earn extra cash while staying put.
«They were happy, we were happy,» says Kleindienst, who confirms HoE was initially touted for completion in time for Dubai’s Expo 2020 — now postponed until October 2021.
«We wanted to have it ready far earlier — now we are catching up quite good.»

  어린이보험

   첫  번째로  실비는   대부분의 보장성 상품의 기본이 되는 항목입니다. 과거에는  특약으로 추가할 수 있었지만 지금은 별도로 단독실비형태로만 가입할 수 있습니다.

    이렇게 변경이 된 이유는 다양하게 있지만 그중 하나가 예전에 불필요한 특약을 넣어 판매하는 경우가 있었기 때문입니다.

     실비는  손해율이  다른  보험에  비해 상대적으로 높은  상품으로 보험사에서는 그다지 좋아하지 않습니다. 예를 들어 가입자에게 1000원을 받으면 지급하는
금액이 1300원이라 가입을 받을수록 손해가 난다는 것입니다.

  그래서 예전에는 실비만 가입하려고 하는 고객에게 여러 불필요한 특약을 넣어서 비싸게 가입을 권유하는 경우가 생겨났습니다. 이러한 상황을 막기 위해
현재는 단독실비로만 가입하도록 변경되었습니다.

Chevy’s V8s are going out with a big bang.

(Chevrolet)

The Chevrolet Performance division has revealed the biggest and most-powerful naturally aspirated V8 engine it has ever built, even as General Motors accelerates its transition toward electric power.

The 632-cubic-inch ZZ632/1000 crate engine was designed for drag racing builds and not meant to be used on the street. The 10-liter mill is rated at 1004 hp and 876 lb-ft of torque on pump gas without the use of any supercharging.

Chevy’s current top offering is the ZZ527/740R Deluxe, which is rated at 727 hp and 680 lb-ft.

The ZZ527/740R develops 727 hp and costs approximately $16,000.

The ZZ527/740R develops 727 hp and costs approximately $16,000. (Chevrolet)

The iron-block ZZ632/1000 was designed with a redline of 7,000 rpm and features electronic port injection fed through symmetrical ports built into its CNC-machined aluminum head, forged aluminum pistons along with a forged steel crank and connecting rods. Chevrolet said a single engine was subjected to 200 simulated runs during development without issues.

 

Pricing for the ZZ632/1000 has not yet been announced, but it will make its public debut at the SEMA show in Las Vegas this November ahead of the start of deliveries in early 2022.

자동차보험

저도 몇 년전 부터는 다이렉트보험을 통해서 자동차보험 들고 있는데 가격이 착하니까 계속 이용하게 되더라구요^^
앱만 설차하면 신청하는 방법도 간편하구요~
근데 요즘에는 다이렉트보험 회사들도 많아져서
그 중에서도 좀더 저렴한 회사를 찾는게 중요한데
저도 올해는 다이렉트보험 비교해 보고 나서 가입 했어요~
각 보험사 마다 특약에 따라 할인율이 조금씩 다르긴 한데요 기본적으로 블랙박스/마일리지/자녀할일 등등 여러 가지 조건 중에서 나에게 해당되는 항목을
잘 체크해야 특약할인을 잘 받을 수 있어요.

지금까지는 만기전에 보험사에서 전화오면
그냥 갱신하고 타고 다녔는데 보험료 비교해 보니까
그냥 탈수가 없겠더라구요 ㅎㅎ
다이렉트보험은 기본적으로 일반 자동차보험 보다는 저렴하지만 그래도 보험사마다 각기 다르기 때문에
각 보험사의 보험료와 보장내용을 꼼꼼히 확인해 보고 비교해 보는게 중요해요.
무턱대고 조금 싸다고 가입하면 보장내용에서 차이가 있어서 사고 났을 때 제대로 보장을 받지 못할수도 있으니까요.
근데 보험회사가 너무 많다보니까 이걸 일일이 조회해 보는게 시간도 오래 걸리고 진짜 힘들어요.
그래서 가능하다면 통합견적 보험사를 대상으로
각 보험사 마다 보험료와 보장내용을 한번에 비교해서 보여주는 곳을 찾는게 진짜 편리해요.
저도 이곳에서 견적 비교해 보고 보험료 가장 착한곳을 선택했는데요 보장내용도 거의 비슷한데 보험료는 가장 적게 나오는데 한번에 비교해 볼수 있어서
이게 정말 편했어요.