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When you do retirement planning, do you picture yourself as lying on a couch, knitting patterns, 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 still, there are Bali Holiday Packages which you can avail when you choose the right retirement plan. You can only have that life-changing Fiji holiday or that Bali Holiday Packages when you have a good 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 earning per month? What are the expenses you need to start reducing? If you think you are not making enough money, you better start looking for extra streams 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 talent is: accounting, finance, marketing. If you want to have a easy 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 retirement, you are secure about your retirement planning. You can spend your days cruising around the Caribbean, or touring the beaches and towns in Asia, where retirement is less expensive.

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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Vanuatu consists of more than eighty islands, located about 2000 kilometres north-east of Queensland. The largest island, Espiritu Santo, is 4010 square kilometres. Australia is a mainly a flat land, but most of Vanuatu’s islands are dominated by mountainous regions. The highest peak, Mt Tabwemasana (1880 metres), is on Espiritu Santo. The Earth beneath Vanuatu is unstable, and there is volcanic and earthquake activity.

Vanuatu has been inhabited for more than 3000 years. Separate communities developed, but trade between islands was common, and canoes were used to move people and produce.

The Portuguese were the first Europeans to come to Vanuatu, in 1606. Next I came the French in 1768, then the British led by Captain James Cook in 1774. Cook named the islands the ‘New Hebrides’. During the 1840s, traders and missionaries made contact.

From 1887 to 1980 control over the New Hebrides was shared by France and Britain. During World War II, the New Hebrides were a key base for the Allies in the battles to prevent the Japanese taking control of the South Pacific and Australia. Vanuatu gained independence on 30 July 1980.

About 200 000 people live in Vanuatu, the same number as in Hobart. Most people live on the islands of Efate, Espiritu Santo, Malakula and Tanna. Unlike Australia, 95 per cent of people in Vanuatu are indigenous. They are known as Ni-Vanuatu, and like Aboriginal Australians they have a special relationship with their land.

The remaining five per cent consist of French, Australian, New Zealand, Vietnamese and Chinese people, as well as other Pacific Islanders. Three main languages are spoken — English, French and Bislama (a form of pidgin English).

The literacy rate in Vanuatu is {poor|low}, and most students do not attend secondary school. But, in Port Vila, there is a technical college and a campus of the University of the South Pacific.

The economy is centred around farming, and major agricultural exports are beef and cocoa. Most people are involved in subsistence agriculture. There is also a large timber industry, and tourism is important to the economy, providing work in tourist areas, such as Vila.

The Country of Tonga
Tonga lies about 650 kilometres east of Fiji. It consists of 150 islands, and 40 of them are inhabited. The capital city is Nuku’alofa, which is on Tongatapu, the main island.

Polynesians first settled in Tonga about 3500 years ago. Captain James Cook made several visits during the 1770s and named the islands the Friendly Islands. Tonga gained full independence from Britain on 4 June 1970, but remains a member of the Commonwealth. Kings and queens have ruled Tonga for more than 1000 years. The reigning king is Taufa’ahau Tupou IV.

The population of Tonga is approximately 110 000, which is similar to the population of Cairns. Most people are of Polynesian descent, and they speak English and Polynesian. They are committed Christians with the main denomination being the Free Wesleyan Church.

The economy of Tonga revolves around agriculture and fishing, with pumpkins, coconuts and bananas being major crops. Education is important in Tonga, and school is compulsory for children between the ages of six and 14.

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