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Asia's best-kept secret for expatriates, Malaysia has a vibrant mix of foreign and indigenous tribal cultures, creating a veritable melting pot of peoples, traditions and religions. A sizable enclave of foreigners (Brits, Americans, Australians, and Canadians) live full time or maintain holiday homes in Malaysia, and you'll find that just about everybody speaks English, since its compulsory in local schools. Not only are three world-class playgrounds (Thailand, Bali, and the Philippines) all within a few hour's travel from Malaysia, but with miles of white sand coastline, tropical islands, and beachfront property galore, it has all the makings of a fairy-tale setting. Despite being the capital of a developing nation, Kuala Lumpur is a modern cosmopolitan with clean streets and sidewalks and every modern convenience to found in New York or London. Home to the tallest building in the world, there are also FedEx and UPS offices, international banks, English cinemas and bookstores, western-style supermarkets, French and German bakeries, Chinese, Indian, and Italian restaurants, gourmet coffee, Cuban cigars, Internet cafés and some of the best shopping in the world! One of the few things that lend a "Third-world" feel to the capital are the open-air night market, where local merchants peddle everything from fresh fruit and vegetables, to meat and fish, to exotic animals and traditional handicrafts. scano.biz All the major newspapers are available at newsstands, including the Wall Street Journal, USA Today, the Financial Times, the International Herald Tribune and The New York Times. Cable and satellite TV provides access to a wide variety of English-language programming, including CNN, the Discovery Channel, Filmnet and many more. Despite the local Muslim population not drinking alcohol, Kuala Lumpur has some of the liveliest nightlife in the region and there are more than a fair share of clubs and bars, where tourists, expatriates and locals alike mingle and party. Though the official religion of Malaysia is Islam, great tolerance is shown for other religions, with many beliefs being represented and their adherents practicing openly, including Christians, Hindus, Buddhists, Taoists and Jews (the nearest synagogue is in neighboring Singapore). Compared with other major Asian cities (Tokyo, Singapore, and Hong Kong, for example), Kuala Lumpur is downright cheap. Even in the over-priced tourist spots you can get a good meal for two for around $20. Outside of these places, a 3-course meal for two with all the trimmings, including drinks, will set you back no more than $10?a doctor's visit $8 to $15 and live-in domestic help $200 a month. Rental properties are readily available and not overly expensive by American or European standards. The cost of 2-bedroom rental apartments begins at around $225 per month, with 3-bedroom houses starting at $35,000. Naturally, comparable housing in expatriate communities or the luxurious suburban homes that date from British colonial period can set you back considerably more. Other properties recently on offer include: A 2-bedroom, 1-bathroom, 725-square-foot apartment with a dining room, a kitchen, ceiling fans, a walk-in closet, and parking, costs $45,215. A small two-story bungalow with 2 bedrooms, 1 bathroom, a kitchen, a living room, and a dining room going for $35,700. A penthouse apartment, close to downtown, with a sea-view and a 350-sqare-foot terrace. It comes fully furnished and has 2 bedrooms, 1 bathroom, a kitchen, and a dining room. The asking price? $75,000. A spacious 3-bedroom, 2-bathroom, 2500-square-foot condominium with a large living room, an elegant dining room, a fully equipped kitchen, and a pantry, for $125,250. Though there are expensive restaurants and accommodations, there's simply no reason for you to check into a five-star hotel when you can stay in a clean, friendly hotel in the city center for $40 a night where every meal costs less than $5 per person. CRIME-FREE AND FOREIGNER FRIENDLY Of course, cheap living shouldn't be the only deciding factor when choosing a new home. As well as being very affordable, Malaysia is safe.The government's real no tolerance policy means street crime is virtually nonexistent. The Malaysian government, through its "Silver-Haired Program," offers expatriate resident retirees extremely attractive benefits. Outside of nationals of Israel and Yugoslavia (Serbia and Montenegro), the program is open to citizens of most countries. To qualify, you need only be over 50, show you can bring a guaranteed income of about $1300 per month into Malaysia (or open a savings account in Malaysia with $40,000), and have a local sponsor (which can easily be arranged). Penang, a small island off the northwest coast, has been called the "Pearl of the Orient" and its beaches are a favorite tourist destination. The coastline is also dotted with many small, quiet seaside villages. The tropical rainforests and jungles offer many opportunities for exploring lush mountains, trekking through the jungle, or even taking a riverboat safari. The bountiful sea surrounding Malaysia provides for some of the best scuba diving and fishing anywhere in the world (Malaysia's seas are home to the Black Marlin, tuna, mackerel, sailfish, barracuda and a host of other species). PRACTICAL BENEFITS Medical care is good, with excellent hospitals and clinics in all the major towns. Doctors speak English, and the majority gained their qualifications in Western Europe or North America. Although foreign residents must arrange private health insurance, visiting tourists who have an accident are entitled to free emergency treatment in public hospitals. A consultation with a private doctor in most cases will cost just $8 to $15. When it comes to banking, management methods and the range of services offered closely follow the British model. Plus, most major world banks have full-service branches in Malaysia. Many expatriates living here off investment income keep their cash growing tax free in Labuan, an offshore tax haven administered by Malaysia, and then bring into the mainland what's needed for living expenses. Labuan is also perfect for anyone looking for a private, offshore bank account, a tax-free corporation, a trust, or other offshore structures. Led by Malaysian Airlines, the national carrier, the island is served by many major airlines, linking it the world through its international airports. A good network of modern roads covers the distances between towns, and Malaysian telecommunications are among the best in the world. If you've ever thought about living overseas, you owe it to yourself to investigate Malaysia. Copyright 2005 by Shannon Roxborough Shannon Roxborough is an international lifestyle expert with close to 20 years experience. He has helped hundreds of clients with overseas living, retirement and travel matters. Visit his website at:

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Arizona In All Its Colorful Glory

Arizona is one of the most colorful places to vacation.
Between enchanting sunrises and sunsets and the colorful
fields, pine forests with the ever-changing climates and
moutain ranges that seem to change colors by the minute,
it is art for the eye.

There is much to do while in Arizona. Vacation activities
include golfing in world class courses, trout fishing,
hiking and canoesing . There are even areas where the
climate is such that you can water ski and snow ski on
the very same day.

A neat spot to sight see is the Apache Trail, which was
initially built in the 1930s to support the development
of the dams built by the Salt River. The drive is a
loop drive of 80 miles that is partially dirt. This
section provides the most amazing views of mountains with
dense forestry. Along the way, you will go by Fish Creek
Canyon. RV companies do not allow their vehicles to be
driven on this drive due to the way the road hangs on the
side of a very narrow, steep canyon.

Other destinations on the Apache Trail are the Goldfield
Mining Town, which is a re-creation of an old west ghost
town that existed over a hundred years ago. The Mammoth
Mine produced three million dollars worth of gold in the
years between 1892 - 1896.

Park lovers will adore The Lost Dutchman State Park for
exploring the mountains and hiking nature trails. There
are a small number of campsites and a picnic area.

Boaters and swimmers will love Canyon Lake with its

clear
cool water and steep canyon walls. Camping and picnic
facilities are available here also.

Roosevelt Dam was originally built between 1905 and 1911
and restricts the water of the Salt River forming
Roosevelt Lake. This dam was considered the world's largest
"cyclopean-masonry" dam, which means it was created in
Greco-Roman style, using very large, irregularly shaped
blocks. It is covered by concrete today.

There are other stops to see here, such as Tortilla
Flat, another old-west style settlement and Apache Lake
formed by the Horse Mesa Dam. And we must not omit Tonto
National Monument. This 2 story ruin, called Sinaqua
Indian Cliff looks down upon Lake Roosevelt and is
a delight to view.

One of the more well-known places to visit is Sedona.
Beyond the beauty of this land, you will likely feel the
beauty of the people. This city is known for its artistry
as many artisans have made their home here. Many of the
Native Americans consider the Sedona area a spiritual one
as they believe there is a vortex of energy coming from
the earth's electromagnetic fields.

Whether you believe there is truth to the ability of the
heart to be affected by this magnetic field or not, this
enchanted area is sure to feed your soul with its
atmosphere. Regardless of the time of year, Arizona has
something for everyone.
Alicia Bankford has created the Arizona As A Vacation Spot resource site Fair Arizona