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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. 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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"Peaks of Patagonia & Chilean Vineyards"

I've just returned from a memorable journey to "the end of the world" in Chile's Patagonia region leading another Adventures For Singles trip, www.adventuresforsingles.com, 770-432-8225. Dramatic landscapes provided us a continual Kodak moment throughout. It is late spring in the region and the weather was cooperative with a lot of sunshine. This however is a land where the unexpected is the norm, so we came prepared for occasional wind and rain.

After a rest at the lovely Hotel Neruda and a city tour in Santiago, we flew south to Punta Arenas. There we transferred 2 hours by coach to Puerto Natales at the Patagonia steppe. We welcomed an overnight at the spartan but cozy Charles Darwin Hotel and a fabulous dinner of king crab and fresh salmon.

The following day we sailed several hours on the cutter vessel "21 de Mayo" up the fjord of Ultima Esperanza. We stopped for a hike around the fabulous Serano Glacier and a lunch on lamb at a remote cattle ranch. Later we boarded zodiac boats for a thrilling ride to our lodge located inside Torres del Paine National Park. Hosteria Pehoe is rustic for a rate of $200 per room but it lies on the edge of a turquoise glacial lake with an indescribably beautiful view. The backdrop of the spiny tall rugged mountains capped with ice was as vivid as a postcard.

Three days were spent touring the park. We were able to photograph the wildlife including guanaco's of the llama family, foxes, flamingo, sea lions, black neck swans, condors, cormorants and more. Several in our group arranged a nocturnal hike to view the elusive puma but none were spotted. Free time was provided for horse riding and boating to magnificent Grey Glacier which was a delight. Some people opted for an arduous 8 hour hike up the famous towering peaks known as The Torres.

We flew on to Puerto Montt and checked into the first class Hotel Gran Pacifica for four glorious nights to explore Chile's lake region. It began in Puyehue National Park with the backdrop of two spectacular and very active volcanos named Osorno and Calbuco. The afternoon was spent at the hot springs area of Aguas Calientes for a soak in the 110ş crystal clear water. Here we participated in an optional canopy cable swing adventure through the treetops which was more fun than a barrel of monkeys. Enroute back to our hotel, we visited a handicraft


market with excellent buys on alpaca sweaters and blue lapis stoned jewelry.

The next day we rafted the powerful Petrohue River on class 3 and 4 white water rapids. Four people fell out of an overturned raft but wet suites provided protection from the frigid water and expert guides in kayaks were able to quickly retrieve all. This excursion for me was the highlight of the trip.

On day 8 we enjoyed a catamaran cruise along the shores of All Saints Lake also named Emerald Lake for it's vibrant color in Peulla. The lush green forest here is set in the Andes foothills and covers 220,000 acres. We photographed a succession of beautiful and powerful waterfalls cascading over volcanic boulders of the ice capped Osorno.

Our vacation experience culminated back in Santiago with a farewell feast of seafood at a deluxe local restaurant. Prior to airport departure, we toured the Cavas del Maipo Winery. We enjoyed a lunch of fantastic BBQ steak and imbibed on endless wine, including several vintages which rank among the nations most esteemed exports.

Ten days was sufficient here to see an eyeful. I've had my fill of salmon and lamb for a lifetime and reflect back on a journey well done. We had a wonderful group of 35 participants, most who met as strangers and returned as lifelong friends. The cost of this trip was $2397 plus taxes which included roundtrip air from Miami and all internal flights. The $100 Chilean entry visa was extra. It was a good value and the guides throughout were excellent.

I have toured over 150 countries. The beauty here lies simply in the remoteness; pristine and unscarred nature in her finest glory. In Patagonia God created a perfect juxtaposition of New Zealand's fjords, Switzerland's Alps and British Columbia's forests and lakes. Chile is a misnomer with no connection to peppers. It was the Incan word for "land far away." I felt far removed in this narrow land that stretches to the end of the world yet was able to experience all the comforts of home. It certainly exceeded my expectations and I recommend it for any intrepid travelers list of must-see destinations of a lifetime.
About the Author

Suzy Davis has traveled the world for nearly 30 years as a flight attendant and now with her company Adventures For Singles (www.adventuresforsingles.com) She has visited well over 150 countries.