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Pszczela Wola Lubelskie Towarzystwo Pszczelnicze Giełda Pszczelarska Przepisy z Miodem Miod Pszczeli szerszenie sławomir trzybiński Dom Pszczelarza Kamianna CENY MIODUżycie miodem słodzoneGaleria pszczelarska

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NAJLEPSZE STRONY O POLSKIM MIODZIE

Warsztaty Pszczelarskie Pszczelniczy Fundusz Asekuracyjny Lubelskie Towarzystwo Pszczelnicze
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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Golf Course & Waterfront Living: Live, Play, Relax

With today’s planned lifestyle communities, golf and boating enthusiasts have an opportunity to purchase the home of their dreams just a chip shot away from the green or stone’s throw from the marina. In addition to an ideal home setting, golf and waterfront community residents enjoy an active and diversified lifestyle experience complete with first-class golf courses, marinas, beaches, spas, clubhouses, recreation areas, fine dining and countless other amenities.


Out of the 10,000 master planned communities across the United States, over 2,500 are built around golf courses and pristine waterfront property. Making sense of all the options can be mind boggling. If you are thinking about relocating to one of these golf and waterfront communities, it is imperative to be able to distinguish one community from the next and more importantly, know what to look for before you buy.


Community Types
In the past, golf and waterfront master planned communities catered to distinct segments of the housing market, namely middle to upper income empty nesters and retirees. Things have changed. Today, golf course and waterfront developments are designed to accommodate budgets of all levels and generally fall into one of two categories: multi-generational and age restricted.


The construction of multi-generational communities represents a recent trend in planned community home building. The underlying idea is to attract a diverse population of families including retirees and young professionals of varying income levels and backgrounds in order to establish a robust and vibrant community. After decades of building age restricted communities, builders and developers have recognized that the traditional elements of planned community living such as security, on-site amenities and low maintenance housing appeal to home buyers of all ages.


Most new communities are multi-generational developments. Vistancia situated in the beautiful Sonoran desert outside of Peoria, Arizona is a recently opened golf community attracting individuals and families of all ages. Since home sales began in March 2004, almost 500 families have moved into this scenic development with 1,700 total acres of open space and a 900-acre mountain preserve.


Conversely, age restricted planned communities are developed for the +55 home owner with amenities and facilities for today’s discerning empty nester and retiree. Typically, the age restriction requires one household resident to be at least 55 in order to qualify for home ownership. Over the last decade, an evolution has occurred with the age restricted community model of yesteryear making way for contemporary activity based developments complete with lavish amenities and world-class recreation areas, not to mention the conventional facilities required by the +55 demographic.


The undisputed leader in age restricted master planned community development is Del Webb. Since the 1960s, Del Webb has constructed numerous age restricted golf and waterfront communities across the United States. Del Webb’s Sun City developments are arguably the most recognizable line of age restricted communities stretching from coast to coast with Sun City Hilton Head in North Carolina and Sun City Lincoln Hill in California.


Location
The most important criterion in selecting a traditional home is location and the same is true when deciding on a golf and waterfront community. The old adage “location, location, location” aside, one has to consider whether the new property will serve as a primary


residence, second home getaway or retirement abode. The final location decision is generally based on three primary factors: home use, surrounding area and local weather.


For most of us working folk, our primary residence is located within an hour or so of a major metropolitan center. Don’t fret, there are hundreds of golf and waterfront communities centrally located within driving distance from most major metropolitan areas. If by chance you live near Dallas, you have several options to choose from including Stonebridge Ranch in north Dallas and Black Horse Ranch which is only 25 minutes from downtown. Washington D.C. commuters are also in luck with conveniently located golf and waterfront communities in Virginia, Maryland and Delaware. Belmont Country Club, a Toll Brothers property, is a mere 40 minutes from Washington D.C. in Ashburn, Virginia. These examples represent only a fraction of the actual number of suburban golf and waterfront developments.


The location decision is a bit more complicated and not as clear cut when one considers purchasing a second home retreat or retirement residence. In this situation, other factors come in to play such as the activity and cultural richness of the immediate area and of course, local weather. If you are looking for a second home, would you like to be nestled in the woods away from the hustle and bustle of the city, located in a more suburban area or some in between?


Climate is also an integral factor to take into consideration when purchasing a home particularly if you are feeling abused by recent harsh winters. This may clearly point to a direction that takes you out of your home state or even to another part of the country. Conversely, the summer’s never ending heat may drive you to consider the cooler climates up north. Fortunately, there are 2,500 golf and waterfront communities spread out across the United States from Minnesota to Texas and California to Massachusetts.


What is clear in the case of retirement homes is that good local health care and transportation facilities are a must. For most retirees, living over 60 miles away from the closest hospital or airport is just not an option. In the end, it comes down to striking a balance between modern necessities and the beauty of the great outdoors.


Amenities
Once you have settled on a geographic location, the next area to focus on is amenities. These can vary greatly from one golf and waterfront development to the next. Typically, these expanded ‘goodies’ fall into two categories: conveniences and lifestyle enhancements. Conveniences include such things as security services, home maintenance, gardening services, concierge service, on-site retail and office space, cable television and high-speed internet.


Lifestyle enhancements relate to recreation activities and rest and relaxation befitting an enhanced life of leisure. One can find a mix of facilities at planned communities which support numerous activities like tennis, hunting, boating, skiing, and hiking. To balance the rigors of recreation, planned communities provide residents with rest and relaxation amenities such as spas, clubhouses, wilderness preserves, pools, beaches and fine dining.


With real estate opportunities for every budget, isn’t it about time you looked into moving to a golf and waterfront community that offers unbelievable vistas, year round activities, low maintenance living and first-class amenities?


Robert Flournoy is a staff writer for Golf Home Connect. Visit Golf and Waterfront Homes to find information on vacation and retirement real estate.

© 2005 Home Connect LLC