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When you do retirement planning, do you picture yourself as resting on a couch, reading a book, and being taken care of by nurses in a retirement home? Or perhaps you would rather spend your retirement in a nice little resort during with one of the popular Fiji holiday packages?

Better yet, there are Bali Holiday Packages which you can book when you choose the right retirement package. You can only have that life-changing Fiji holiday or that Bali Holiday Packages when you have a profitable retirement plan.

There are financial institutions and insurance companies that help people achieve these goals, but you have to remember that working hard for something as luxurious as these holidays is always a prerequisite. You have to take a look at the status of your financial health: are you investing enough money for retirement? How much are you making per month? What are the expenses you need to start getting rid of? If you think you are not making enough income, you better start looking for extra sources of income.

This can be a casual job. There are many online jobs you can do in the comfort of your home. Writing jobs are the easiest. You may also try to become an online consultant for whatever your gift is: accounting, finance, management. If you want to have a comfortable retirement, you have to start saving at least $1500 every month by the time you reach the age of 35.

This means that by the time you reach the age of 60, you are secure about your retirement planning. You can spend your days cruising around the Caribbean, or visiting the beaches and towns in Asia, where retirement is cheaper.

That is why planning ahead is an important task for your retirement. Look for the companies that will increase your investment exponentially, and payout the benefits you deserve. Saving and increasing your income are two of the best ways to secure a good retirement.

Sun-drenched beaches, warm air, and swaying palm trees typify the West Indian islands of the Caribbean. On these islands, as varied as the countries—Spain, France, Great Britain, The Netherlands, Portugal—responsible for their early development, relaxation is the byword. Industrialization and urbanization have taken place on many of them, but with little sacrifice to the leisurely atmosphere and carefree life for which the West Indies are famous.

The West Indies are peaks of a partially submerged mountain chain—the Caribbean Andes—that once connected North and South America. They now form a 2,500-mile arc from Cuba, 50 miles off the tip of Florida, to Trinidad within sight of Venezuela. This arc forms a dividing line between the Atlantic Ocean and the Caribbean Sea.

Prior to the arrival in the New World of Christopher Columbus, the unexplored land between the Canary Islands and India was called Antilia. Columbus found not one mainland, but a series of islands, so Antilia was changed to the plural Antilles. The term “West Indies,” which is synonymous with Antilles, resulted from Columbus’ belief that he had reached India; he called the people he found on the island “Indians” for the same reason.

Two major island groupings—the Greater Antilles and the Lesser Antilles—are found in the Caribbean below the Bahamas. Within these two groupings are the islands of Cuba, Jamaica, Hispaniola (Haiti and the Dominican Republic), Puerto Rico, the U. S. Virgin Islands, the British Virgin Islands, the British West Indies, the Netherlands Antilles, the French West Indies, Trinidad, and Tobago.

There is much contrast in climate between the islands, often on the same island. Caribbean climates are always comfortable—warm but not oppressive. A few days or weeks in late summer or early autumn can be hot and humid, but the heat is tempered by northeast trade winds. The nights are always cool.

Rains are usually heavy, but brief, and vary from an average of around 50 inches in the low islands, such as Antigua, eastern Guadeloupe, Barbados, and Marie-Galante, to 100 inches and more, annually, on the mountainous islands such as Dominica. There is, in some areas, a brief wet season around April, but as a general rule the heavier rains fall between July and October.

Hurricanes, named for the Indian god, Huracan, meaning the “Despoiler, Lord of the Circular Tempest,” threaten the middle or northern Antilles from August to October, but less often now than in past years. They can be spotted days in advance and preparations made against them, with time to spare.

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Thailand is a kingdom in southeast Asia on the Indochinese and Malay peninsulas. Through most of its history Thailand was called Siam. The people call themselves Thai, which in their language means “the free people.” In 1948 the Thai government changed the name of the country to Thailand from Siam.

Thailand has an area of about 511,770 square kilometers, which makes it not quite as large as the American state of Texas. About sixty one million people live there, which is nearly three times as many as the population of Australia.

The People of Thailand
The first people in the region of Thailand were Negritos, a Negroid pygmy people. The Negritos became mixed with invading Mongols and tribes from China to produce the modern race of Siamese. There are two main groups in the population, the true Thai and the Lao. Thailanders are rather short, but well built. They have brownish skin and straight black hair.

Thailanders are an independent and courageous people, and there are no caste divisions in Thailand. All the people, including the women, have equal rights. Thailand is a very musical country, although its music sometimes sounds strange to Western ears, and the people are artistic dancers.

Schooling in Thailand is provided mainly by the Thai government through the Ministry of Education. A free basic education of twelve years is guaranteed by the Thai constitution, and a minimum of nine years’ school attendance is mandatory.

Thailanders are noted for their artistic abilities, ranging from the making of jewelry to the architecture of the beautiful Buddhist temples. There are many religious festivals in Thailand, with colorful costumes and ceremonies.

The people speak the Siamese language, which is a member of the Indochinese family of languages. Religion plays a very important role in Thai life. Religion is considered an essential pillar of society, it is not only the major moral force of Thai family and community but has also contributed to the molding of freedom loving, individualistic, and tolerant people for many centuries.

Theravada or Hinayana Buddhism is the national religion of Thailand, but there is total religious freedom and all major religions can be found in practice. There is absolute freedom of religion - Islam, Christianity, Hinduism and other faiths are practiced and protected by the constitution. Buddhism is the faith of 95 percent of the population, 4 percent are Muslims, 0.5 percent and Christians, and the remainder Hindus, Sikhs and other religion.

Despite the fact that Buddhism is the faith of majority, both the king and the government uphold and support all the religions accepted by the people. Amidst rich diversity of beliefs, until recently people of Thailand have always lived together in peace and harmony.

How they Live
Thailand is largely a nation of farmers, fishermen, and lumbermen. The principal foods of the people are rice and fish. Nearly all of the farm land is planted in rice. In addition to the large quantities eaten by the people, Thailand exports a large quantity of rice as well as electronic products. Other farm crops include cotton, sugar cane, tobacco, corn, soybeans, peanuts, and sesame seeds. The rivers of Thailand are full of fish, and large catches also are made in the Gulf of Thailand (previously the Gulf of Siam). Much of Thailand’s wonderful food contains seafood dishes.

Three-quarters of Thailand is covered with forests from which come the country’s famous teakwood, as well as bamboo, ebony, rosewood, boxwood, and Palmyra palm. The forests provide important quantities of lac (a resin deposited on trees by the lac insect) , rubber, oils, dyes. and tanning bark.

Thailand has large and varied mineral resources, the most important of which are tin, wolfram ore, coal, copper, antimony, gold, iron, manganese, molybdenum, silver, lead, gypsum, and lignite. There is a growing hi-tech economy and foreign countries have been encouraged to build factories there for the production of chemicals, textiles, and other goods.

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