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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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Vacations - France, Annecy

If you find yourself traveling in the region of Savoy (the high Alps) in France, you should make time to visit the city of Annecy.

Sitting on the edge of the clear blue waters of the Lac d' Annecy (Annecy Lake), near the Swiss and Italian borders, Annecy is a study in contrasts. It blends all the conveniences of the modern world with old-world style charm, culture and architecture.

One of the main attractions in Annecy is the "Vieux Village", where the beautiful Thiou Canal runs through the center of old Annecy, and a walk along the cobblestone pathways next to the canal brings to mind pictures of Venice. You be amazed at the clearness of the water, the many beautiful flowers, the quaint shops and numerous sidewalk cafes. During the summer months, you can enjoy many different types of music by local street musicians. There are a variety of festivals, exhibits and cultural events throughout the year for your pleasure.

Because of its geographical location, Annecy has had a somewhat turbulent past, and was invaded many times over the centuries. It became the property of the County of Geneva and then the County of Savoy because of marriage, inheritance and then being sold. Annecy and the Savoy region were invaded or ruled by the Sicilians, Sardinians, Spanish and Austrians.

In 1860, to free itself from Austrian Domination, the King of Sardinia asked Napoleon III for military assistance, and offered the Savoy region (which included the city of Nice) in return. The Savoyards, who were impressed with the order and strength of the French regime, voted to join the French Empire in April of the same year. The Savoy region was divided into two "departements" - the Haute-Savoie and the Savoie, with Annecy and Chambery becoming the two capitals.

During the Middle Ages, the river played a key economic role in the development of Annecy. In 1870, the Building Engineer for the city, Sadi Carnot, completed a system of gates to regularize the flow of the Thiou, raise the level of the lake making it easier for merchants and bringing trade to the city. Sadi Carnot became President of the French Republic in 1887.

The spring-fed lake of Annecy appeared 18,000 years ago and is about 27.2 km. Today, it is proudly listed as one of the cleanest lakes in the world, and there are beautiful parks and boardwalks surrounding it where you can enjoy a stroll at sunset.

There are so many sites to see in Annecy, it's hard to know where to begin. When you're in the old part of the city, there are few cars - in fact, most of the extremely narrow, winding streets are for pedestrians only.

You could start your tour of Annecy with the Chateau d'Annecy, which is located on a limestone spur of the Semnoz Mountain. The chateau sits on top of a hill that looks down onto the


rooftops of the town and Lake Annecy. The Musee d'Annecy (the Museum of Annecy) is also located in the chateau, and provides information about the history of the town.

The oldest part of this former stronghold is the Queens Tower, which dates all the way back to the 12th Century. In 1394, the chateau became the official residence of the Counts of Geneva, and remained until the death of the last family member, when the Dukes of Savoy took possession of it. It was abandoned in the 18th Century, and then used as a barracks from 1742 until 1947.

The Palais de l'Isle is another monument in Annecy - in fact, it is said to be the most photographed building in France. Its unique, triangular shape makes it look like the bow of a ship, and from certain angles it appears to be floating in the canal. In the 12th Century it became the first residence of the Governor of Annecy, and then was used for administrative purposes when the Counts of Geneva settled in Annecy. It was also the court building, the Mint and a prison during the French Revolution. It now houses a museum and a variety of exhibitions throughout the year.

Enjoy the walk to the Sainte-Claire gate that was named for the old Clarisses convent built near Annecy. The gate has remained intact, and when you see its old hinges, machicolations, and its bell turret, you can understand the importance of this location in Annecy as a tactical point facing towards Aix-les Bains and Chambery. This gate was part of the city's pre-defense.

The Notre-Dame-de-Liesse church is characterized by its Roman bell tower (that leans slightly), the Jean-Jaques Rousseau square and the old town hall are other sites worth seeing.

Friday is market day in the old section of town, and everywhere you look there are vendors selling fresh fish, flowers and fruits and vegetables, as well as a wide variety of other wares.

The rest of Annecy is a large, thriving city that boasts the finest of cultural entertainment and all of the conveniences of modern life. You can find plenty of supermarkets, fashion boutiques and industry of every kind in this lakeside paradise.

And there is no shortage of physical activities - everything from boating, water skiing, paragliding and swimming to golf, skiing and jogging.

You'll find something for everyone in Annecy, so make a point of stopping to smell the roses (and all the other beautiful flowers) in this beautiful city by the lake.

About the author:



Jay is the web owner of http://www.Rental-Cars-In.com Rental Cars, a website that provides information and resources on rental cars, vacations, airfare, hotels, and travel. You can visit his website at: http://www.hotels-in.net Discount Hotels