The Bottom Line On Yacht

Sailin Boats - Yacht Charter

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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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The Bottom Line On Yacht

Whether you are considering your first yacht charter vacation or simply looking to live the experience again there is a lot of vital information you need before planning and embarking on your voyage. Firstly, you need to consider the type of yacht charter that is suitable for you. There are crewed or unscrewed yacht charters, bareboat or even a motorised yacht. Each have their advantages and personal preference will dictate the chosen charter for you.

One thing for certain, though, whatever type of vessel you go on, there are many destinations to choose from each of them offering beautiful islands and shimmering seas by day and exciting or romantic night life. As with any vacation you need to plan carefully, but when chartering a yacht it is absolutely imperative that you take the essentials and spares. Once you're out to sea there will be few opportunities to stock up and an emergency is much of an emergency when you're hundreds of miles from the nearest chemist or shop.

Many who are chartering for the first time do so for a little quality time with family, friends and loved one because chartering a yacht is one of the most tranquil and peaceful vacations you can decide on.

What experience is required for charters.

The experience you need is dependant on the type of charter you are looking for. A bareboat charter means you and a group of family or friends charter the boat with no crew to assist. For a bareboat charter, you are always required to have some former sailing experience and usually need to submit a sailing resume to the charter company. Many will require that you have experience on a similar sized boat and with similar displacement and rig. A number of chartering companies may request that you go on a short sail around the harbour to make sure that your actual skills match your resume.

If you or a member of your group does not have this experience then you should consider chartering a crewed yacht. Chartering a boat and crew requires little or no experience. You may decide that your sailing skills are a little rusty, in which case you can take a captain or small crew for the first few hours of your trip to help you get your 'sea legs' back. Alternatively, if you have no experience whatsoever with yachting then you can take an entire crew and spend your vacation safe in the knowledge that your boat and your vacation are in safe hands.

What insurance do I require, and what is available?

As well as the usual travel insurance, you may want to consider further insurance for your yacht charter vacation. In fact, some charter companies will demand it. Accidents happen in everyday life and this is no different when chartering a yacht, however, there are some vital differences; the cost of a yacht and any parts of the yacht

can be very pricey. The charterer is responsible for loss or damage to any of these parts. While many charter companies offer insurance that will cover a certain amount of damage, you should consider taking extra Charterer's liability insurance, usually costing approximately $250 for $1m cover. This figure can change depending on the terms of the agreement and the time of year you intend to charter the boat.

Additional health insurance is advised but not essential, although you should especially consider this for foreign travel of any kind not just charter vacations.

Another good idea is to take cancellation or curtailment insurance because many charter companies require a deposit of up to 50%. If you any of your party cancel or need to finish the vacation early, this insurance will become invaluable.

Charter vacation destinations.

But where should you go? There are many places you can charter a yacht, so you should consider exactly what you are looking for in your vacation.

The Galapagos is an archipelago that consists of 13 volcanic islands as well as 40 small islands. It is a haven of beautiful plants and exotic animals including marine iguanas and sea lions, the weather is very good, and there are many coves and incredibly picturesque beaches to relax on and around.

The Bahamas is a popular destination consisting of more than 700 islands. There are countless cays and beaches to explore as well as some incredible nightlife and beautiful settings. The reef and shallow waters make this a safe place for families to charter a yacht.

And then there's the Greek Islands. One of the world's most enchanting cruising grounds, with ancient history and culture at every turn. Islands such as Lesvos, Mykonos and Paros offer a combination of breathtaking scenery and history.

Still in the Mediterranean - at the western end - there are the Balearic islands off the coast of Spain. There's Majorca, it's smaller sibling Menorca, and the hedonistic playground of Ibiza. You'll find it a little busier than the Greek islands, but on the plus side the back up and support is first class.

On to the Caribbean: It has it all. Many different cultures and nationalities, hundreds and hundreds of islands to explore, and clear blue waters. Yachting at it's best.

The choice of destinations is amazing, and the beauty of chartering a yacht is that you are free to explore at your own pace. Alternatively, drop anchor, pour a stiff drink and soak up the sun!

Š 2005 John Thompson
About the Author

John Thompson is webmaster for http://www.yacht-and-boat-charters.com , an online information resource for yacht and boat chartering.