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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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Where Lewis and Clark Stopped in Montana.

In addition to the main objective of finding and mapping a new route to the Pacific Ocean, President Thomas Jefferson had 3 other tasks for explorers Lewis and Clark to complete. The first was to make contact with Native Americans. Secondly the explorers were to obtain specimens of flora and fauna for further study. Lastly Lewis and Clark were charged with keeping full and detailed records of their activities during their expedition in search of a new route to the Pacific Ocean. Their trek through wild, unsettled Montana provided some of the most challenging and interesting experiences in their long, arduous adventure. Near Billings Montana From July 13th to July 26th, 1806, near Billings Montana, Captain William Clark's exploration team watched as smoke billowed into the deep blue Montana sky from the neighboring Crow nation. While floating down the Yellowstone River, Clark went ashore and carved his name on a giant sandstone pillar he named "Pompy's Tower in honor of Sacagawea's young baby. Nearby at Buffalo Mirage Access they constructed two canoes to continue their trip down the Yellowstone River. From there they traveled onward via a 149 mile segment from what is now Kipp State Park, upstream to Fort Benton. For those wanting an exciting vacation in beautiful Montana, this route has changed little since Lewis and Clark explored it in 1805 and 1806. Commercial boat trips are available for interested vacationers. In June 1805, the explorers made camp for nine days along the Marias River and determined that the Marias is not the main tributary of the Missouri river. Vacationers will find an interpretive sign, nearby in Loma, Montana. Visitors to the historic town of Fort Benton will find an impressive statue of Lewis, Clark, Sacagawea and her son. The Bureau of Land Management there also has a visitor center featuring the explorers. The Two Medicine Fight Sight, which may be accessed by gaining permission from the private landowner, is the site where Meriwether Lewis and three of his men fought with eight members of the Blackfoot Indian tribe. Lewis's men killed two of the Blackfoot Warriors. Another stop for the Lewis and Clark Expedition, the interestingly named Camp Disappointment, is the northernmost point reached by the explorers on their exploration of the Marias River. Montana Vacationers will find an interpretive sign for this site on U.S. Highway 2, about 22 miles west of Cut Bank.


Here also, access is allowed through private property. For those vacationers wishing to stay, local realtors may have listings for beautiful home sites on these historic lands. Perhaps one of Montana's most famous landmarks, Great Falls, which Lewis described as a sublimely grand spectacle, can be viewed from a series of scenic overlooks. These overlooks located in Montana Power Company's Ryan Dam Park, contain many informative interpretive signs. The Portage around the Great Falls delayed the Lewis and Clark expedition of almost a month in 1805. The Expeditions' boats and supplies had to be portaged nearly 18 miles around this navigational obstacle. Almost all of the route is privately owned and is not accessible to visitors. Again, visitors wishing to own a piece of history can contract one of the Great Falls area's local realtors to see if any of this privately land becomes available. A quick look at the Montana Map shows Square Butte, a landmark named "Fort Mountain" by the expedition in 1805. Lewis used this landmark to guide him to the Great Falls in 1806. Another landmark, the aptly named Lewis and Clark Pass, was crossed by the party in 1806 as they followed an Indian Trail to the Great Falls. This landmark is accessible by a foot trail. Commercial boat trips are available to vacationers interested in an explorer's eye view of another landmark on the map of Montana named by Lewis. The Gates of the Mountains is a spectacular Missouri River Canyon and well worth the trip. Montana Vacationers will also find lots of state recreation areas located around Canyon Ferry Lake, many of which have Lewis and Clark interpretation. There are many other Lewis and Clark Expedition sites to visit on your Montana Vacation. Other Lewis and Clark stops you'll see on your Montana Map include, Missouri Headwaters State Park, Beaverhead Rock State Monument, Clark's Lookout State Monument, Camp Fortunate Overlook, Lemhi Pass, Cameahwait's Shoshone Camp, Travelers Rest and many others. So plan your Lewis and Clark Montana Vacation now. And remember, your Montana real estate agent is only a phone call away if you decide to stay.
About the Author

Article Submitted by Rooster: Rooster privately runs several News and Blog sites related to Montana Hunting and Real Estate. Interested in the latest Montana and Yellowstone related news visit http://www.whymontana.com