There are many ways you can find North Cyprus real estates for sale if you are looking for the best place to retire. These places include the internet and even using North Cyprus estate agents. This is one of the most luxurious a peaceful places to live in the world.

Lands for sale in North Cyprus are very affordable. You can find a retirement home for less than 200k and an apartment to purchase for less than 100k. The cost of living in this part of the world is extremely affordable and low cost. Just because the cost of living is low cost doesn’t mean the standards are low too. Actually the standards of living is quite high. This wonderful location is set strategically along the Mediterranean where you have wonderful views of the sea and the mountainous ranges. The towns and villages are of total paradise and enjoy more than 300 days a year of sunshine and beautiful days. North Cyprus luxury villas are the best solutions to finding the paradise getaway without the hustle and bustle of tourists and a big city atmosphere.

This beautiful small country of only 200,000 inhabitants is located in the Mediterranean and is North of Egypt and South of Turkey. The population is mix of Turkish Cypriots, Turkish from mainland Turkey and a rather large number of expats, around 10%. The largest group of expats is the British. This peaceful country is also home of 7 universities which despite all the challenges have managed to attract thousands of International students each year. These higher educational institutes offer quality education in North Cyprus up to PhD level.

One of the ways you can find land for sale in North Cyprus is on the Internet. This is an excellent way if you just want to get an idea about the different prices you may pay for a villa or an apartment. There are plenty of places on the beach, inland and in the mountains. Looking online allows you to view photos of some locations and you can read about the different places.

One of the best ways to find land for sale in North Cyprus is by using North Cyprus estate agents. They know the area well and they can match your needs with the different villas. There are many different cultures in North Cyprus and you may be more comfortable living in a village with people that speak your language. You may have specifics about the villa and the home you are looking for too.

No matter how you find a North Cyprus property you will be guaranteed a place to live that is of total luxury and a paradise like you have always imagined. If you choose to move your family there you can even send your children to wonderful educational facilities dedicated to a high standard. The shopping is cheap and the construction of the properties is of total quality. The satisfaction of the North Cyprus luxury villas is top of the line.

There are many ways you can find North Cyprus real estates for sale if you are looking for the best place to retire. These places include the internet and even using North Cyprus estate agents. This is one of the most luxurious a peaceful places to live in the world.

Lands for sale in North Cyprus are very affordable. You can find a retirement home for less than 200k and an apartment to purchase for less than 100k. The cost of living in this part of the world is extremely affordable and low cost. Just because the cost of living is low cost doesn’t mean the standards are low too. Actually the standards of living is quite high. This wonderful location is set strategically along the Mediterranean where you have wonderful views of the sea and the mountainous ranges. The towns and villages are of total paradise and enjoy more than 300 days a year of sunshine and beautiful days. North Cyprus luxury villas are the best solutions to finding the paradise getaway without the hustle and bustle of tourists and a big city atmosphere.

This beautiful small country of only 200,000 inhabitants is located in the Mediterranean and is North of Egypt and South of Turkey. The population is mix of Turkish Cypriots, Turkish from mainland Turkey and a rather large number of expats, around 10%. The largest group of expats is the British. This peaceful country is also home of 7 universities which despite all the challenges have managed to attract thousands of International students each year. These higher educational institutes offer quality education in North Cyprus up to PhD level.

One of the ways you can find land for sale in North Cyprus is on the Internet. This is an excellent way if you just want to get an idea about the different prices you may pay for a villa or an apartment. There are plenty of places on the beach, inland and in the mountains. Looking online allows you to view photos of some locations and you can read about the different places.

One of the best ways to find land for sale in North Cyprus is by using North Cyprus estate agents. They know the area well and they can match your needs with the different villas. There are many different cultures in North Cyprus and you may be more comfortable living in a village with people that speak your language. You may have specifics about the villa and the home you are looking for too.

No matter how you find a North Cyprus property you will be guaranteed a place to live that is of total luxury and a paradise like you have always imagined. If you choose to move your family there you can even send your children to wonderful educational facilities dedicated to a high standard. The shopping is cheap and the construction of the properties is of total quality. The satisfaction of the North Cyprus luxury villas is top of the line.

Global Faith Restored in Dubai

Global Investors have held faith in Dubai economy, making the emirate, the first and most-preferred option for future investments within Middle East, revealed the latest international survey report. The global management consulting firm, AT Kearney, in its survey report, revealed that about 28percent of investors prefer investing in Dubai, followed by 18percent in Abu Dhabi, 15percent in Egypt, 8percent in Oman and other Middle Eastern states.

The investors have chosen Dubai as preferred destination for investment mainly due to its ease of doing business, access to best infrastructure, advanced logistics amenities and safe environment, as well the vibrant Dubai property market.

The AT Kearney, in their report, said that Dubai is a gateway destination, much like Hong Kong for mainland China and Singapore in Southeast Asia. About 81percent of those surveyed have investments in Dubai, and plan to maintain or increase their investments in next three years. The investors also expressed confidence in Dubai’s ability to rebound from global crisis.

Dubai has helped the UAE to maintain its ranking as the most-preferred destination in the Middle East, despite the drop by three rankings.

It is estimated that 22,400 residential units were handed over in 2009, in spite of over bn worth of residential projects being put on hold or cancelled.

Demand remained stable with little change between Q1 2009 and Q2 2009, compared to the 58% annual decrease between Q2 2008 and Q2 2009.

Craig Plumb, head of research at Jones Lang LaSalle Mena added: ‘The stabilisation of transactional volumes is an important indicator, which reflects improved confidence among investors. The narrowing gap between asking prices and achieved prices is a further indication that the market is beginning to stabilise, albeit at significantly lower levels of pricing than those seen earlier in the year.

‘While there have been a large number of projects delayed or cancelled, there remains a significant level of new supply, with around 22,400 residential units expected to be completed across Dubai in 2009.’ As such, 2010 has witnessed an increased demand in Dubai residential properties.

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Dream Heaven is the latest development within the luxury resort of Sahl Hasheesh, located just outside the city of Hurghada on the Egyptian Red Sea. A beautifully designed development of five star apartments and studios set in landscaped grounds complete with private pools . This stunning development is the latest gem in this superb resort.
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A Miracle of Prophet Moses or a Chemistry Connection

Next to air, water is the most familiar substance on the earth and an adequate supply of water is essential to life. Whereas, the cycling of water serves to replenish our supply of fresh water, the importance of unpolluted and clean drinking water can not be underestimated as we could live without food for nearly a month but without water we would last only a few days. Accordingly getting a dependable supply of fresh water has long been both a necessity and a problem, the gravity of which may be realized from the well known case-history of Prophet Moses and his own people, the Israelites.

When Moses led the Israelites out of Egypt into the wilderness, he encountered a large dessert area where potable water was scarce.  While very many people know the Biblical and Qur’anic accounts of how Moses was commanded by Allah to strike a rock with his miraculous Asa (stick) for getting water to quench the thirst of his people, a peculiar incident at a place namely Marah, is less known. At Marah water was available but it was not potable due to its bitterness and slippery nature. Since the Israelites could not drink this water, they again made Moses pray Allah to make water potable for them. According to the accounts in Exodus, when Moses yielded to their request, he was commanded by Allah to get thrown a particular dried log of a dead tree into the said water body. When Moses made his people follow Allah’s command, the bitterness of water vanished soon and water became potable.

This particular incident may be taken as yet another miracle of Moses. Whatever, the actual and factual case might be from the religious point of view, the happenings at Marah may be analyzed from the chemical point of view and a plausible explanation might be given to purification process of water. The water at Marah, a dessert place, was probably alkaline and hence bitter and slippery in nature, the two important properties of an alkaline solution. In fact waters of dessert areas become alkaline as a result of solubilisation of salts of alkali and alkaline earth metals due to percolation of rain waters. Later on the waters, having these hydroxides, are concentration due to evaporation.

The said log was probably a large part of an old dead tree and had been bleached by the scorching heat of the sun in the dessert. Such bleaching could have oxidized the alcoholic groups in cellulose to carboxylic acidic groups and these acidic carboxylic groups served to neutralize the basic hydroxyl groups of alkaline water. Whereas it is simple acid-base chemistry which students, even at foundation level can understand today, at that time it was certainly not less than a miracle when people had no idea of science and technology. Nevertheless, not only chemistry connections were there but also Moses was commanded by none less than the Almighty to make use of both the chemistry connections and the available Technology at that moment for benefit of his people.

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Savanna Sharm, close to Shark’s Bay. The Shark’s Bay area is on the top of the list of property investments in Egypt and located idyllically in Sharm El Sheikh, Egypt’s most renowned diving destination. Visit our Savanna Website; www.savannasharm.com

More information over Luxury Villas in Cyprus

In the North of Egypt and in the South of Turkey on the Mediterranean Sea, a small island Cyprus is situated and it has got warm climate through out the whole year. This makes it an ideal place to stay, and the best way to do this is to buy Luxury Villas in Cyprus.

Paphos a highly touristic area that combines holidaymaker fun with local charm and perfect place to live in and is situated in the Western end of the island. There are many Paphos Villas to buy for and can also have Greece Properties ,which is 30 minute away from Polis, Coral Bay and Kato Paphos. Paphos can offer more than this, including reptile parks, water parks, a fantastic harbour and of course miles and miles of glorious sandy beaches.Cyprus Developers has made it such a place where you will have no problems in finding cyprus property for sale.

Waking along the coast can brings you bring you to Limassol District ,which is a magnificent tourist spot to visit. Pissouri and Parekklisia are calm and composed parts of Limassol and spending a day in here will give you time to unwind yourself. Here you can spent a whole day chilling on the beach or by the private pool provided by the cyprus villas with pools. The next district along the coastline is Larnaca which was once the main shipping port of this island. In recent years Larnaca’s English community has done a huge progress and Finikoudes is great in the evening. Also plenty of shops, cafes, bars and ice cream parlours are present here and there are many more activities that can keep you amused all the time before you think of resting in your cyprus apartments.

In the Eastern part of Cyprus is Famagusta district which is the shopping town of Paralimni and the resort towns of Protaras. It is also the clubbers haven of Ayia Napa. After looking this place you’ll find that this is the perfect place to live in with everything that you need to live a happy life.

Gaza – Cranky Ban Ki Engages in Hanky-panky

The dust has settled temporarily in Gaza with at least one fact clearly established – a badly bloodied but unbowed or unrepentant Hamas still remains firmly entrenched in occupation and control of Gaza’s civilian population.

Its estimated terrorist army of 20000 fighters pledged to bring about the destruction of Israel has only been reduced by 500 at the most – perhaps only by 48 if you want to believe Hamas.

Whilst the Hamas arsenal of rockets and mortars may have been seriously depleted,  the ingenuity and determination of its political leaders and backers virtually guarantees full re-supply within six months – no matter what steps are taken by the international community to try to stop the flow of weapons into Gaza.

Doubtless this success – and the hatred engendered by Israel’s invasion – will encourage others in Gaza to join the ranks of this army that fights in mufti from houses, shelters, hospitals, schools and mosques  using the civilian population as human shields.

The price paid by Gazans in deaths, injuries, and property losses for Hamas continuing its rocket barrage of Israeli civilian populations after the end of a six months ceasefire in December has been catastrophic.

The temporary ceasefire now prevailing – and the conditions demanded by Hamas for its continued operation – make it highly likely that hostilities will be soon resumed again rather than permanently suspended.

Into this scene of chaos and at a conference on Reconstruction and Humanitarian Assistance in Gaza held at Sharm El Sheikh on January 18 rides the United Nations Secretary-General Ban-Ki Moon. His contribution at that conference is to tell those assembled:

“As the Secretary-General for the United Nations I have a broad responsibility to take care of   all humanitarian sufferings by the people in Gaza. I am going to dispatch early this week a     humanitarian needs assessment team to Gaza, organized and led by the United Nations and   together with the World Bank and other donor organizations, Within ten days I think we will     be able to make an assessment report and we will issue an urgent humanitarian flash appeal,  and within three weeks, we will be able to present an assessment report on early recovery and  essential repairs. I urge and certainly hope that the major donor countries will generously contribute to this appeal.”

Why would the Secretary-General not be urging the conference attendees to consider offering Gazans permanent resettlement – or at least evacuation – until the political situation in Gaza is finally determined?

It makes no sense to pour billions of dollars into the reconstruction of Gaza and the attempted rehabilitation of its traumatized citizens in situ with the more than likely possibility that the money spent will once again disappear down the tunnels still left untouched by Israel’s bombs or into the Swiss bank accounts of corrupt officials as has occurred so often in the past.

Gaza is a hell hole – and has been so for the last 60 years – whether occupied by Egypt, Israel, the Palestinian Authority or Hamas. Its surviving residents have been subjected to inordinate suffering whilst political solutions have been vainly pursued during that time.

The population of Gaza is 1.5 million of whom 750000 are children. Offering them the chance of going to a safer haven permanently – or even temporarily – until an acceptable political solution is found seems to be a far better use of the billions of dollars that will be thrown to the wind in keeping the Gazans confined to Gaza and Hamas in control whilst that political solution is worked out.

The Secretary-General’s escape into fantasyland in believing a political solution could be soon achieved was revealed when he then declared:

“ …we urgently need to bring back this Middle East peace process on track. We have     already experienced sufferings and tragedies in 2006 in Lebanon, the situation in Gaza has     been a repetition of the failure of this peace process, this is a failure of political will, at the     level of people and at the level of leadership, all international community, particularly the     Arab countries, should fully support and encourage this peace process on track. As a member of the Quartet, I will fully participate in trying to help the Middle East peace process,”

The United Nations has been a sponsor of the Middle East process – the Roadmap – for the last 6 years. It has gone nowhere and is dead as a dodo.

Neither the Roadmap – nor the Arab Peace Initiative first proposed in 2002 – have any chance of succeeding whilst the Arab demands for their successful conclusion require Israel to cede every square metre of the West Bank and Gaza and allow millions of Arabs the right to emigrate to Israel.

In the meantime the Secretary-General has no better idea for ending the suffering of Gazans than letting them continue to live in Gaza to continue enduring the tribulations that have plagued them since 1948.

On the 6th January 2009 Cardinal Renato Martino, president of the Vatican’s Council for Justice and Peace, said in an interview in the Italian online newspaper Il Sussidiario.net.:

“Defenceless populations are always the ones who pay. Look at the conditions in Gaza: more   and more, it resembles a big concentration camp,”

When the Allies encountered the remnants of European Jewry in the Nazi concentration camps at the end of World War 2 they opened the gates and set them free. Surely the Secretary-General cannot be so heartless as to deny Gazans the same opportunity to leave if they wish to do so.

The international outcry at the humanitarian crisis in Gaza should ensure that a large number of countries would be prepared to offer themselves as a permanent or temporary haven for Gazans. The money spent in rehousing and rehabilitating  the new arrivals in those host countries would be infinitely more better spent than being poured into Gaza and would make the provision of assistance to those refusing to move much easier to implement.

Hamas might seek to restrain the evacuation of the population preferring to hold them as hostages in pursuit of their fanatical drive to eliminate the State of Israel. The United Nations should not be deterred in ensuring Hamas is not allowed to prevail and frustrate this vital humanitarian objective.

The Secretary-General needs to act with firmness and authority. More of the same is simply not good enough.

Why You Should Live In Cyprus ?

Are you looking for a dream location to settle down in? Tired of drab weather, stress-filled days and the hustle and bustle of your current lifestyle? If you are looking for a change in work, a chance to retire, or just the opportunity to have a house to sneak away to for relaxing vacations, look no further. The warm and sunny island of Cyprus along with its friendly folks and relaxing ambience beckons you!

This delightful Mediterranean island located conveniently at the south of Turkey, north of Egypt, west of Syria and east of Greece, has some of the best climates in Europe – warm summers and mild winters, which is excellent for healthy living. In addition to the unspoilt beaches, gorgeous coastlines and ancient archaeological sites across the island, Cyprus has plenty to offer; a stable government that boasts an advanced economy and a booming infrastructure. Ever since it was included as a member of the European Union (EU) since 2004, and adopted the euro as its currency in 2008, it has gained immense popularity for people willing to work or open their own businesses there.

There are so many reasons to consider moving to Cyprus. Compared to its European counterparts, the cost of living is relatively low, whilst the quality of life enjoyed is much healthier and enjoyable. Cyprus has adapted the British-based legal and banking system, so managing your finances won’t be difficult. With English being the second language spoken there, it is not essential to learn the native Greek language to communicate, even if you plan to work in Cyprus. With excellent public and private education opportunities, ample medical facilities available, and a very low crime rate, making the decision to settle down and live in the island should be easy!

Another benefit of Cyprus’s EU inclusion means that it is easier for EU citizens without permanent residency to buy properties. There are ample properties available for purchase at relatively cheap prices – mansions, town houses, luxury villas with pools, apartments, countryside bungalows, penthouses and more than enough land available for you to build your own dream home. Searching for the right property for you to settle down or retire in is no easy task, and you may require the services of a real estate agent.

For a selection of the finest and the most exclusive residential properties to be found in Cyprus here.

History Of Chemistry And Impact Of The Atomic Theory

The earliest practical knowledge of chemistry was concerned with pottery, and dyes; these crafts were developed with considerable skill, but with no understanding of the principles involved, as early as 3500 B.C. in Egypt and Mesopotamia. The basic ideas of element and compound were first formulated by the Greek philosophers during the period from 500 to 300 B.C. Opinion varied, but it was generally believed that four elements (fire, air, water, and earth) combined to form all things. Aristotle’s definition of a simple body as “one into which other bodies can be decomposed and which itself is not capable of being divided” is close to the modern definition of element.

About the beginning of the Christian era in Alexandria, the ancient Egyptian industrial arts and Greek philosophical speculations were fused into a new science. The beginnings of chemistry as it was first known, are mingled with occultism and magic. Interests of the period were the transmutation of base metals into gold, the imitation of precious gems, and the search for the elixir of life, thought to grant immortality. Muslim conquests in the 7th century A.D. diffused the remains of Hellenistic civilization to the Arab world. The first chemical treatises to become well known in Europe were Latin translations of Arabic works, made in Spain c.A.D. 1100; hence it is often erroneously supposed that chemistry originated among the Arabs. Alchemy developed extensively during the Middle Ages, cultivated largely by itinerant scholars who wandered over Europe looking for patrons.

In the hands of the “Oxford Chemists” (Robert Boyle, Robert Hooke, and John Mayow) chemistry began to emerge as distinct from the pseudoscience of alchemy. Boyle (1627-91) is often called the founder of modern chemistry (an honor sometimes also given Antoine Lavoisier, 1743-94). He performed experiments under reduced pressure, using an air pump, and discovered that volume and pressure are inversely related in gases. Hooke gave the first rational explanation of combustion—as combination with air—while Mayow studied animal respiration. Even as the English chemists were moving toward the correct theory of combustion, two Germans, J. J. Becher and G. E. Stahl, introduced the false phlogiston theory of combustion, which held that the substance phlogiston is contained in all combustible bodies and escapes when the bodies burn.

The discovery of various gases and the analysis of air as a mixture of gases occurred during the phlogiston period. Carbon dioxide, first described by J. B. van Helmont and rediscovered by Joseph Black in 1754, was originally called fixed air. Hydrogen, discovered by Boyle and carefully studied by Henry Cavendish, was called inflammable air and was sometimes identified with phlogiston itself. Cavendish also showed that the explosion of hydrogen and oxygen produces water. C. W. Scheele found that air is composed of two fluids, only one of which supports combustion. He was the first to obtain pure oxygen (1771-73), although he did not recognize it as an element. Joseph Priestley independently discovered oxygen by heating the red oxide of mercury with a burning glass; he was the last great defender of the phlogiston theory.

The work of Priestley, Black, and Cavendish was radically reinterpreted by Lavoisier, who did for chemistry what Newton had done for physics a century before. He made no important new discoveries of his own; rather, he was a theoretician. He recognized the true nature of combustion, introduced a new chemical nomenclature, and wrote the first modern chemistry textbook. He erroneously believed that all acids contain oxygen.

The assumption that compounds were of definite composition was implicit in 18th-century chemistry. J. L. Proust formally stated the law of constant proportions in 1797. C. L. Berthollet opposed this law, holding that composition depended on the method of preparation. The issue was resolved in favor of Proust by John Dalton’s atomic theory (1808). The atomic theory goes back to the Greeks, but it did not prove fruitful in chemistry until Dalton ascribed relative weights to the atoms of chemical elements. Electrochemical theories of chemical combinations were developed by Humphry Davy and J. J. Berzelius. Davy discovered the alkali metals by passing an electric current through their molten oxides. Michael Faraday discovered that a definite quantity of charge must flow in order to deposit a given weight of material in solution. Amedeo Avogadro introduced the hypothesis that equal volumes of gases at the same pressure and temperature contain the same number of molecules.

William Prout suggested that as all elements seemed to have atomic weights that were multiples of the atomic weight of hydrogen, they could all be in some way different combinations of hydrogen atoms. This contributed to the concept of the periodic table of the elements, the culmination of a long effort to find regular, systematic properties among the elements. laws and rules were put forward almost simultaneously and independently by J. L. Meyer in Germany and D. I. Mendeleev in Russia (1869). An early triumph of the new theory was the discovery of new elements that fit the empty spaces in the table. William Ramsay’s discovery, in collaboration with Lord Rayleigh, of argon and other inert gases in the atmosphere extended the periodic table

Things to Look for When Selecting and Booking a Family Activity Holiday

Research in the UK (and this seems to be also true of many other countries) consistently shows that as time goes by and holidaymakers become more and more experienced in overseas travel, they are starting to look for holidays the offer them something slightly more than just lying on the beach or lying by the pool.

As the majority of potential holidaymakers now use the Internet to research their holiday purchase and gain ideas for what sort of holiday might suit them, they are becoming aware of the breadth of activity holidays choices open to them and are more energetically investigating them.

Some key questions need to be answered at the start of the researching and choosing process:

1. What balance does the family want to strike between “relaxation” and “full on” activity?

2. Being realistic, what constraints are placed on the type of holiday your family can enjoy by the ages and physical capabilities of the children?

3. Are there any specific activities or sports that members of the family have set her heart on participating in whilst on holiday?

4. What balance does the family want to strike between being “sociable” on holiday and having their own space?

Once these questions have been answered the next task is to start researching options.

Roughly 80% of people now booking a holiday carry out research on the Internet and this is the obvious place to start but another good source of ideas is to read some of the specialist magazines to cater for the particular activity all sport that you and your family are most interested in. These magazines (for obvious reasons) attract very targeted advertisers and they can be a good source of ideas for potential holiday companies to use.

Although the most common starting point for researching travel on the Internet (and this is no surprise to anybody!) is Google, there are some excellent sources of unbiased information and reviews on sites such as Holiday Watchdog (holidaywatchdog.com) and Trip Advisor (tripadvisor.com). Holiday Watchdog offer opinions from people who have actually stayed in the different properties but Trip Advisor is the best known for independent opinions.

Categories of family activity holiday to worth considering:

The type of family activity holiday that is going to meet the requirements of any particular family will, to a great extent, be dictated by the ages of the children in the family.

With children under about five years old it is definitely worth considering what are generally referred to as “beach club holidays”. These are resort based holidays with excellent child-care facilities for all ages of children from very small baby’s right up to older teenagers.

Most tour operators, and certainly the bigger ones, make sure that the children’s clubs are all staffed by highly professional and qualified teams and that the activities undertaken over the course of a holiday keep the children busy and having a great time. The advantage of these types of holidays is that it frees adults up to take full advantage of the activities on offer which usually include dinghy sailing, day yacht sailing, mountain biking, tennis or simply socialising and lying by the pool. One thing to consider though is that these beach club holidays are often quite sociable, particularly at meal times and around the bar and this may not suit everyone.

Another type of family activity holiday worth considering would be something that includes more “exotic” travel such as an organised family tour to Egypt taking in the Pyramids and major temples and also including a felucca cruise on the Nile. This type of family activity holiday can be said to truly “broaden the mind” and is available in any number of countries including holidays in South America and Europe.

Taking a family on holiday is expensive at any time but where families have to book their holidays during high season in school holidays then top prices usually have to be paid. Having said this, if you are flexible with your destination and departure dates and you are prepared to wait until the last minute then bargains can be found. It is often well worth telephoning the sales departments of the holiday company that interests you to see what they have left – you might get a pleasant surprise!

Investing in Your Holiday Home Abroad

To many, owning a holiday home abroad is nothing more than a dream; a luxury which is the prerogative of the rich and famous or of bank robbers. It’s hardly for the likes of ordinary folk like you and me, is it?

Not so! If you investigate the possibilities of joining well over 250,000 other Britons and buying your own holiday home abroad, you could be very pleasantly surprised at how affordable it actually can be, and with property prices currently low but set to rise in many resorts overseas it could represent a real opportunity and provide you with a very high return on your investment.

With expert advice to help you secure exactly the right property, it’s really not difficult to buy a home overseas, be it for holidays, retirement or investment. There are some very attractive deals on offer. With some, you may only have to pay as little as 15% deposit, with nothing else to pay for three years and with 85% mortgages available, together with free packages for furniture of the highest quality! If you choose your advisers carefully, those people in the know will guide you every step of the way and ensure that the entire experience is stress-free and enjoyable.

Just imagine the sheer joy of having 300 days of sunshine a year virtually guaranteed; balmy temperatures, no grey skies and an umbrella as rare as hens’ teeth. Think how it would be to enjoy fabulous views of beautiful mountains and clear blue skies from the balcony of your luxury furnished apartment, ski chalet, villa or penthouse, and to be within just a few minutes walk of a pristine, white sandy beach or a superb golf course with all the amenities.

So what would be your fancy? A townhouse on the coast of Spain with its amazing beaches and intriguing culture? Or for a relaxed and informal lifestyle with great food, exciting nightlife, magnificent scenery and almost constant sunshine, you’d have to go a long way to beat a property in Crete. There again, have you considered Egypt, another very attractive option for investors? Definitely a country of the future, its wealth has traditionally come from oil, but this may well change as many predict that tourism will forge into the lead.

How about an apartment in South America’s largest country, Brazil? Home to more than 180 million people, this economically developing country with a very low cost of living is becoming increasingly popular with investors and would appeal to anyone with a sense of adventure and a love of excitement, be it a trek through the wild rainforests, a visit to the lively cities or partying at the famous Rio de Janeiro carnival.

Those with a fascination for history could not fail to be smitten by beautiful Bulgaria, with its immaculate beaches, sparkling clear lakes and rivers, magnificent mountains, gorges and natural hot water springs. It’s an enthralling country, rich in ancient monasteries, churches and mosques and with folklore traditions dating back more than thirteen centuries. Furthermore, as an investor, Bulgaria will offer you real value for money.

If your yen is for a superb climate, colourful culture and friendly people, you’d find Turkey hard to beat. With miles and miles of dramatic coastline, beautiful seas and pine-clad mountains, it’s little wonder that it’s become so incredibly popular with tourists, and with its current property boom, there’s never been a better time to invest in a Turkish holiday home.

A holiday home in the former British colony of Malaysia could well prove to be a lucrative investment for you. It’s a wealthy country with a very bright future and a property market looking increasing buoyant, due in part to the influx of investors from nearby Singapore and Hong Kong. Owing to its proximity to the equator, it enjoys a fabulous, year round tropical climate and boasts some of Asia’s best beaches.

If you’re not looking to retire abroad just yet, why not let your property work for you by renting it out during the holiday season? There are many emerging markets with a lower cost of living than in the UK, offering high rental and capital growth potential. Even the recent problems in the global economy, such as the credit crunch and increases in the cost of living don’t seem to have made a dent in people’s appetite for travelling abroad. The future’s looking much brighter for ‘buy-to-let’ investments and don’t forget, today’s cheaper and more frequent flights to many of the popular resorts are making the whole package much more attractive and affordable for everyone.

So you see, you don’t actually need to rob a bank. There are far easier and more legitimate ways of turning your dream into a reality…

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