Travel to Malaysia

Malaysia is a country of striking natural beauty situated in Southeast Asia, with some of the most superb beaches, mountains and national parks in the world. It consists of thirteen states that are divided into two geographical regions that are separated by the South China Sea.

Malaysia has a multi-ethnic and multi-cultural society and is one of the most pleasant, hassle-free countries to visit in Southeast Asia. Contemporary Malaysian society is mainly dominated by the Malay (local) people, but there is a substantial Chinese, Indian and European minority. The official religion is Islam.

Its year round sunshine ensures Malaysias growing tourism and it is fast becoming one of the most popular travel destinations in the world. While it does get torrential seasonal rain, this should not turn you off this paradise. Its rainfall is very seasonal and typical of any equatorial climate.

Travelling by air to Malaysia can be very inexpensive with one of the worlds leading low cost carrier, Air Asia, based there. Once you arrive in Malaysia your luxury holiday immediately begins. The high-speed express will get you into Kuala Lumpur in less than thirty minutes.

Kuala Lumpur, the capital of Malaysia, or also known as KL, is an expansive beautiful city with soaring skyscrapers. One hundred years ago Kuala Lumpur was a small mining town attracting workers from China and India. Now its fast becoming one of the most sought after holiday destinations in the world.

Kuala Lumpur is now well known as a great shopping destination as well as a great night time spot and entertainment hub. Food in Malaysia varies from the different ethnic regions, rice is the most common food source in Malaysia and is often eaten for breakfast.

The landscape of Malaysia ranges from lush rainforests to towering rocky hills. Its rainforests are full of all types of flora and fauna with over 450 species of birds that are native to the islands of Malaysia. There are also over 160 different species of snake. Other wildlife of Malaysia includes bears, crocodiles, elephants, leopards, monkeys, panthers and rhinoceroses. The Orang-utan, which is one of the world's most endangered animals is also unique to this part of the world.

Malaysia has over 200 tropical islands making it a refuge for all sorts of water sports. Its tropical resorts are full of white sandy beaches and provide a vast paradise, while beneath the warm tropical waters, a unique world awaits to be explored.

Well worth a visit, and located just outside of the capital city are the Batu Caves. These are huge cathedral-like caves accessible by steps. The caves have a one hundred meter tall chamber and have been used as a Hindu temple for more than a hundred years.

There are many reasons for travelling to Malaysia but a few things that you can always count on are: the excellent climate that you get all year round, the peaceful surroundings that you get all year round, and the great value that Malaysia has to offer.

One of the greatest aspects of life in Malaysia, and especially Kuala Lumpur, is that so many people with different ethnic backgrounds live together in perfect harmony with no racial problems.

TJ Tierney is an award winning photographer and a freelance writer. To find out more information on Malaysia visit his travel guide or his travel directory.

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Broadband Users Advised To Consider Costs Of Their Contract

Although it may not be the most exciting thing to do, it is important for broadband users to take the time to check the small print to their contract.

So claims moneysupermarket in which a recent study showed that some eight per cent of people state they not bother reading the terms and conditions of their broadband service. Meanwhile, one in four consumers were indicated as only skimming over the details of their contract. However such inaction could potentially leave customers out of pocket, as the price comparison website revealed that just under a quarter (24 per cent) of Britons have been hit with charges and fees which they were not expecting to pay.

Among the hidden charges that consumers often discover that they are landed with include moving and installation costs. Meanwhile, paying for bills, exceeding download limits and the expense of calling a helpline were pointed out as additional ways internet users might find themselves inuring financial pressure. However, moneysupermarket indicated that such charges vary among broadband suppliers.

It was pointed out that Direct Save and Virgin charge their consumers 40 and 30 pounds respectively in one-off set-up fees. Research from the firm also showed that Virgin charges an extra five pounds per month for those consumers who do not pay their bills via direct debit. Meanwhile, those who decide to cancel their contract within the first 12 months of opening it up will find themselves charged around 50 pounds if they are customers with either Be or Direct Save.

Following on from facing a broadband bill which is much higher than expected, it may be possible that people encounter greater difficulties in paying for other household utilities such as gas, electricity and water. In addition, this might impact upon their capacity to meet other areas of financial demand such as personal loans, credit and store cards and mortgage repayments.

Commenting on the research, Rob Barnes, head of mobile and broadband for the price comparison site, said: "With so many offers out there it's easy to be blinded by the headlines and enter into a contract without thinking about what it entails. Remember, if something looks too good to be true, it probably is. With this in mind its so important customers read their contracts. By not doing this, people are clearly unaware of what extra costs may be lurking in the small print and as a result, could end up with a huge unexpected bill at the end of the month."

In an attempt to counter receiving a shock bill, consumers were advised to check their contract to make sure they are aware of any charges for cancelling their service. Meanwhile, people should also know how much they will be charged for calling for technical advice and exceeding download limits.

For those consumers looking for a way in which to reduce financial pressures taking out a consolidation loan may be advisable. In selecting this type of loan, borrowers may find that they are able to merge demands for repayment across a number of sources, such as household bills and credit cards, into a single low-cost monthly outgoing. However as with a broadband package, it is advisable for those looking to take out a loan to check the terms to their contract before signing on the dotted line. Last month, Chris Tapp from Credit Action reported that many consumers are not fully aware of the financial products they sign up to, only to come under financial pressure later on.

Mark Dawson writes for Loan-Arrangers where visitors can compare loans online. With online application for everything from payday loans to consolidation loans. Visit today http://www.loan-arrangers.co.uk

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