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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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Rivers & Rapids & Bears Oh My!

Debbie Jacobs
2458 River Road
Guilford VT 05301
explore@sover.net
Word Count: 880 plus byline

Rivers & Rapids and Bears, Oh My!

She was easy to spot. On her medical form she had noted that she would not be useful for carrying any canoes, the stick drawing she included showed three people carrying a canoe overhead. Standing in between two of the figures, Maxine could not reach high enough to help.

Even if she were not ‘petite’ Maxine would stand out in a crowd. At 71 years old she walks with determined strides and dressed in her outdoor gear, purchased in the boy’s department, she doesn’t fit the mold of ‘older lady’. Spunky is a word that comes to mind, but only if it makes you think of a Jack Russell terrier, small, with attitude. “How’d you know it was me?” she winked when I approached her as she exited the gate at the airport.

“I used to be 4’10” until I shrunk two @#$% inches,” Maxine explained to me at dinner our first night together as a group. We were preparing for a 5 day adventure down Oregon’s Rogue River. The group, all women over 40, were being accompanied by three women raft guides, three to four decades their junior. If the guides thought they were heading out with ‘little old ladies’ they had a big surprise coming.

Besides our three rafts, we also had 2 inflatable kayaks. Every day we were given the option to hop in a guided raft, or captain our own craft. It was late May, and though we had near perfect weather, the kayakers wore wetsuits and had they flipped, a swim would have been invigorating, to say the least. Maxine was among the first to volunteer for the experience. Never having been in a kayak did not deter her. I held my breath watching her descend the rapids, but she handled the boat like a pro. “I love being an active learner,” Maxine explained, “I believe in ‘process’, which includes: acquiring skills that challenge me with physical, mental, and ethical prowess...that’s why these trips are a perfect fit for me.” That’s quite a statement coming from a woman willing to wear a purple helmet and neoprene.

As we traveled down the river, our guides had built up our one night camping in bear territory to the point that we were nervous, but couldn’t wait. A single electric wire enclosure had been constructed at the campsite where our food was to be stored. I doubted the effectiveness of the system, suspecting that a marauding bear would not be deterred by the shock, but I kept my thoughts to myself. When I was a couple of decades younger, I had spent wonderful months backpacking in Yosemite National Park. Black bears were a common visitor at camp and I never ceased to be thrilled by their presence. A black bear in camp would be the icing on the cake.

At dinner that evening, Wendy, our young snow-boarding raft guide, was in charge of the ‘bear talk’. We were warned to put our toiletry bags into the electric enclosure. Bears show no reluctance to slicing a hole in your tent with their four inch claws, gobbling your toothpaste and rooting for the


Snicker bar under your pillow. When the talk progressed to include the concerns for menstruating women in bear country, a cry rose from the group, “Not a problem in this crowd!” they laughed. Poor Wendy, now a lovely shade of crimson, admitted that she’d never rafted with a group of just ‘older’ women. “Don’t worry about it honey,” one woman reassured her, “Estrogen is overrated.”

We woke the next morning to discover that the bears had found better pickings somewhere else and left us unmolested. The one we’d seen, wandering the bank of the river earlier the day before, must have found a group of smellier campers to harass. Sitting in our camp chairs, sipping our morning teas and coffees at breakfast, our kitchen area was suddenly overrun by a small herd of deer. Six young deer came scampering out of the trees and raced each other past our tents, kicking up sand and circling twice before returning back into the woods. Who needs midnight bears when the breakfast show includes Bambi!

The women in the group continued to be impressed by Maxine’s exploits, her willingness to brave the rapids on her own, her lively sense of humor, her openness to new ideas and situations. The only complaint I ever heard from her was regarding chair height construction. Another woman on our trip, admirable in her own right, after listening to the accolades go round and round, whispered to me, “I don’t know what the big deal is, she’s ONLY 2 years older than I am!”

She was right, Maxine was the senior in the group by a mere two years, so she was not that unusual, BUT, she was the only one in the group whose feet didn’t touch the floor when sitting in a chair, and surely that has to count for something. But then again, I’ve learned that it’s not what we’re packaged in that makes a difference, as much as what’s inside. Henry Ford once said, “Whether you think you can, or think you can’t, you’re right.” Maxine knows she can.

I’ll keep Henry Ford and Maxine in mind when I shrink ‘two #$% inches’, myself.
_________________________________________________________

Debbie Jacobs, founder and president of Explorations in Travel,
http://www.exploretravel.com, organizes outdoor and
cultural adventures for women over 40 and arranges individual volunteer placements in
Latin America, the South Pacific and Nepal. She lives in southern Vermont with too many
dogs. She can be contacted at women@exploretravel.com
-----------------------------------------------------------------------------
Copyright 2000-by Debbie Jacobs
This article may be reprinted as long as:
1.) It is reprinted in its entirety
2.) The byline remains intact

About the Author

Debbie Jacobs, founder and president of Explorations in Travel,
http://www.exploretravel.com, organizes outdoor and
cultural adventures for women over 40 and arranges individual volunteer placements in
Latin America, the South Pacific and Nepal. She lives in southern Vermont with too many
dogs. She can be contacted at women@exploretravel.com