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| − | Building or buying a house can be expensive. Most people need a mortgage to be able to afford a home and it may take years before the loan has been fully paid. In many cases, people who have built a house forget about insuring the house or its contents for the simple reason that insurance can cost a lot and they still have other bills to pay. However, you need a fully comprensive, but cheap home insurance policy that you can afford.
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| − | | + | :Я – самый молодой в поколении выпуска 2025 года по времени появления в «Острове», и я этим горжусь. Я горжусь тем, что за эти короткие 3 года (в самые напряжённые 3 года для любого школьника, как мне кажется) я мало того, что не ушёл из этой организации, так ещё и обосновался в ней… Думаю, надолго. Мне всё ещё смешно от того, что изначально я ехал на осенний сбор с мыслью: «Развеюсь на каникулах, всё равно делать нечего». Я думал, что буду только на этом сборе, больше не поеду. И вот уже я с грустью понимаю, что ни ребёнком я не успел побыть, ни организатором (ладно, тут лукавлю, один год ничего не решает), зато эмоций и впечатлений за это время был вагон и сотня маленьких тележек. |
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| + | :На самом деле я рад, что попал сюда в 9 классе, уже окончив музыкальную школу, потому что, зная себя, могу сделать вывод, что я бы забросил либо «Остров», либо музыку. Я уже не могу представить себе жизнь без всех людей, которые меня окружают, они стали неотъемлемой частью моей жизни, а «Остров» – в первую очередь, именно люди. Перечислять каждого, кто повлиял на меня, не буду, а то это растянется на целую страницу. Лишь скажу (напишу) спасибо Вовику и всем 11-классницам, которые были со мной на протяжении всего этого весёлого и познавательного пути. Особенно нашему поколению, принявшему меня в свою компанию. С вами очень комфортно и круто. |
| − | | + | :Выделить отдельные яркие воспоминания достаточно тяжело. Из наиболее запоминающихся я выделю проведение ролевой игры «Декабристы» и самую первую поездку на Осенний сбор 2022, где всё было настолько странно и необычно, что затянуло меня с головой. А сколько всего весёлого и стыдного было сделано за эти годы, вспомнить страшно. В любом случае, если бы не «Остров», я всё ещё был бы тревожным одиноким человечком, старающимся доказать миру, что он чего-то стоит, тратящим свою жизнь ни на что. Слава Богу, всё обошлось, я стал лучше, веселее и… Безумнее, скорее всего, но в хорошем смысле. |
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| + | :Дорогие островитяне, от мала до велика, от ещё начинающих свой путь в этой организации людей до комиссаров, я хочу сказать вам всем спасибо за все воспоминания, которые я получил за 3 года: за исполнение мечты выступить на сцене, чего я желал всё своё детство, за вдохновение и желание творить и писать, за то, что я смог обрести настоящих друзей, на которых всегда могу положиться. Спасибо за то, что даже в самый тёмный час вы давали светлый луч надежды. |
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| − | 3. A premium is the amount paid by the policy holder, usually in installments, for the insurance coverage. The premiums can be lowered when you know what discounts you should be offered, and if you don't mention them to the insurance company, they may not advise you of the discounts available to you. [http://www.homeownersinsuranceflorida.us/winter-garden-home-insurance.html link]
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| − | 4. There are many websites that give online home insurance quotes. This is a fast and comfortable way especially for busy career oriented home owners. Just make sure the company you get the quote from offers "comparison shopping" so you get a variety of quotes.
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| − | 5. Home owners insurance policies vary from country to country or state to state because many homes have different needs and conditions. For example, a house located near a calamity-prone area may be more expensive to get insurance for. The type of house materials can also affect the price for insurance - some houses are concrete and cannot easily get burned compared to centuries-old wooden houses.
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| − | 6. Getting the services of a professional insurance agent saves time and money on deciding what insurance is best. The insurance business is highly tricky and technical in nature so it is best to ask for help from trained professionals.
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| − | 7. Many insurance policies also differ depending on the time period of the insurance policy. There are those that insure a house for a year and are automatically renewed annually. Some may offer insurance for longer periods like 10 or twenty years. Longer terms are usually cheaper, but most home owners update their policies to address certain changes in their home, like addition of new areas of the house, or new assets.
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| − | 8. Many insurance companies bundle together different insurances like health, life, auto and income insurances into one policy. This may save the policy owner from worrying about different bills from different agents and insurance companies. In some cases, insurance companies even offer perks and added bonuses to those who have bundled insurance policies. In most cases, a home owner can get bundled policies for a cheaper price, much like other items which are purchased as wholesale.
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