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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. 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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Enjoy Luxury Vacations With Greece Yacht Charters

The history, culture and beauty of Greece Yacht Charters attract tourists throughout the year, most of whom stay in a variety of villas or other mainstream accommodations. Those who wish to truly enjoy the fullest experience of life in the Aegean, however, do so by way of sailboat, bareboat, yacht or other form of water craft that enables them to combine the pleasures of the land and the sea.

Personal and Vacation Yacht Chartering

* Alpha Yachting - Available for viewing at alphayachting.com, this facility offers a wide variety of models of motor yachts, sailing yachts, bareboats and motor sailing yachts. Crewed charter rentals can be acquired that are bound for destinations which include Greece, Italy, Spain, Croatia, Turkey and France. Choose from among at least five itineraries that have been artfully designed for you by the experts at Alpha Yachting, for a holiday cruise that you'll not soon forget.

* Yachting Power - Famous for their luxurious bareboat yachting charters in Greece, they offer a full fleet of breathtaking vessels that will appeal to the multitudes. Located near the Kalamaki Marina in Athens, they own some of the finest sea-going vessels that can be found today, including high performance boats such as the Sun Odyssey 54 DS and the Oceanis 473 - large boats of breathtaking design and luxury. Visit their website at yachtingpower.gr for a look at their line of vessels and to obtain information regarding a vacation package.

* Poseidon Charters - This worldwide operation has an office that's based in Athens, Greece, in addition to their main base of operations in the Mediterranean. With a total of 350 yachts and 15 bases, Poseidon Charters offers various charter opportunities, servicing guests with novice to expert level sailing skills. Whether you prefer to charter your own private yacht to visit Greece and the surrounding areas or sign on to an archeological adventure cruise, you'll have the time of your life on one of the many top-of-the-line yachts that are made available to you through the folks at Poseidon Charters. For more information, visit their website at poseidoncharters.com.

* Odyssey Sailing -


Officially registered and bonded with the Greek National Tourist Organization and a member of the Hellenic Yacht Brokers Association, this facility provides a comprehensive line of yacht charters and vacation packages throughout the Aegean territory. Specialized vacations include those which offer bareboat yachts, crewed sailing yachts, luxury cruises, flotilla holidays, fully crewed motor sailers, luxury crewed sailing yachts, luxury crewed motor yachts and one-way yacht charters, in addition to special offers and discounts on specialized sailing holidays. Odyssey Sailing, found at odysseysailing.gr, along with their sister site, at sailing-yacht-charter-greece.com, can meet the needs of any traveler, with their extensive fleet and full-service vacation accommodations.

* Top Yacht - Whether you're looking for a crewed, skippered, gulet or bareboat experience, this facility can cater to your every whim. This UK based organization offers chartered yachts to Greece and its surrounding areas, as well as a variety of special offers that can be found throughout the year by visiting their online website at top-yacht.com. Choose your own vessel, according to the number of berths, cabins and length of water craft that you prefer, enabling you to customize your excursion to meet your particular needs. As specialists in state-of-the-art yachting equipment, the folks at Top Yacht offer a fully informational website that will help you to plan your Greek vacation.

For about the same price as an exotic vacation with luxury hotel accommodations, you can treat yourself and family or friends to an outstanding vacation in Greece, and enjoy adventures on both land and sea - effectively offering two vacations for the price of one.
About the Author

Carla McNamara is a contributing author for the website http://www.luxury-yacht-charters-guide.com. Carla is helping people finding the best solutions for Greece yacht charters http://www.luxury-yacht-charters-guide.com/greece-yacht-charters.html and Mediterranean sailboat trips.