Ask yourself, what is the first thing that goes in your mind when you hear the word "RETIREMENT"?

Do you think about losing your title like "Director", "Vice-President", "Supervisor", etc? Do you see dollar sign with the mention of the word? Do you see a picture of an elderly on a wheel chair being spoon fed by a nursing aide?

Or do you see yourself frolicking on the beach bare footed holding the hands of your loved ones?

That's what retirement is all about!

It's about the next big step in a man or woman's life when he or she has felt the contentment in life without the worry of work, business, relationship, and money.

WHAT IS ENOUGH

Money is a big factor in making a decision to retire. To some, it is more important than health.

Some think of retirement as the stage in their life when they have sent their relatives to school, renovated their barrio church, and built the grandest house in the community.

But not any more!

The new generation realizes that retirement is something that they should enjoy. Something that they should do while they are still young and capable.

With the money earned overseas, spending it in a place like Philippines will surely stretch its value. Retiring young does not necessarily means stopping any income generating activities. With the experience learned and contacts made, a lot of young retiree becomes part-time international traders.

With what the Philippines has to offer, why not?

FIRST STEP

US citizens who would like to retire in the Philippines can avail of the retirement visa being offered by the Philippine Retirement Authority. It requires an investment of $1,000 for former Filipinos and $50,000 for Foreigner for a year. The investment earns interest.

Another option that is very popular is the use of Visitor's Visa. That sounds strange but this method is very popular. It costs $20 a month to stay on a tourist visa and requires one to leave the country at least one day a year. It also requires checking on the Immigration office every two months.

If one is married to a Pilipino Citizen, visa to retire in the Philippines is not necessary. One can apply for permanent resident.

WHAT'S NEXT?

Manila Forwarder and TravelPH.Com offers a unique retirement planning package for people who would like to go to that next big step.

Some would use their relatives in the Philippines to help them in their retirement plans without realizing that they are missing a lot of good opportunities that is only offered once in a life time.

Professional companies: Manila Forwarder, TravelPH.Com and Fil-Estate Group of Companies have teamed up to maximize the opportunities available to people retiring in the Philippines. The said companies have vast network and years of experience to make the move safe, economical, and hassle free.

To avail of this, please contact Manila Forwarder | TravelPH.Com at 1.800.210.1019.

THE PHILIPPINES has already firmly established its reputation as the "texting" capital of the world.

Manila Forwarders wants to extend that reputation and make the Philippines the regional and even global center for wireless applications for mobile communication by launching the secure website www.pisotext.com.

Gone were the days when Filipinos in the USA have to call their operator and set up an appointment with their loved ones in the Philippines to make telephone calls.

The development of SMS or "Short Messaging System" has leaped ones imagination twenty years ago. An off shoot of the satellite and internet technology, text messaging brings one in contact any where in the world 24/7 at the palm of their hands or perhaps within arms reach.

The short messaging system has been available as a standard feature on GSM phones even in the early '90s but it took Filipinos to turn it into a killer application and a dark horse of successful wireless messaging services.

This development has a lot of practical and traditional uses in this time of global community.

Business Sense

Manila Forwarders utilizes the SMS technology to provide better services to their growing market.

At Manila Forwarders' dispatch center, instructions and directions are given to their field agents via text messaging. The system is particularly helpful in giving street-by-street directions from the dispatch center's computerized plotting system to the specific Task Force vehicle scattered all over the region. Text messaging eliminates the need to write down the instructions since it could be saved on their cell phones. The dispatch system is complimented by a 2 way radio system for driving safety and other situations.

Traditional Sense

Filipinos are very family-oriented no matter the distance. If one would look at the monthly expenses of a Filipino household in the USA, one would notice that a chunk of them is telephone bills. Filipinos in USA are usually the ones who call the Philippines since the rates are cheaper, they have more spending money, and they are the ones who are eager to know the latest news in the Philippines.

Not Anymore

More than million text messages are exchanged in the Philippines everyday. Everyone from the fish ball vendor to corporate president carries a cell phone.

Status symbol is gauged on the cell phone model one carries. Some people change cell phones as often as new models arrive.

Cell phones come in different models and features. Some are compact. Some are bulky. Some functions as a computer. Some are radio and MP3 players. Some are video camera. There are some models that incorporate everything in one, too.

With all this developments in cell phone, the Philippines are on the tip of the spear with regards to usage and expertise in use.

Filipinos exchange text messages in the Philippines for only one peso per text and this is one of the reasons why it became an instant hit.

Now the same technology is now in the USA and 120 other countries via www.pisotext.com!

Piso Piso sa Amerika

Ones Filipino friends in the Philippines can now send text messages to you in the USA for only one peso per text. Yes, piso per text.

They could send you hi or hello without worrying for the telephone bills. You in the USA, on the other hand, can text back for only fifteen pesos (.26 cents) per text.

You do all of this on your cell phone that you carry everyday. No need to hurry up to go home to get to your landline or computer. It's with you every time!

You will also save on your phone bills since communication can be exchanged through this alone. Of course, it is also nice to hear your loved ones voice every now and then.

Complete Package

One can get a complete package, ready to text phone for as low as $99. It comes with Nokia 3390 cell phone, charger and a choice of Globe or Smart SMS with 100 PHP load. This model is easy to operate and maintain. This is for USA use only.

For those who travel to Philippines often, there is the stylish Samsung R225 that is blue screened and offers a lot of features. It also comes with a choice of Globe or Smart SMS with 100 PHP load, and of course, a charger. This can be used in the USA and 120 other countries including the Philippines. This package retails for $179 only.

Philippine Rentals

For Philippines travellers who do not need to get their own Philippine based cell phones, Manila Forwarders' sister travel agency, TravelPH.Com offers cell phone rentals for as low as five dollars a day with a minimum of 7 days rental. It is pre-loaded with PHP 300. It is valid for LAX to Manila travel only. Credit card deposit is required.

Maintenance & Customer Support

Manila Forwarder's Piso Text products and services are covered with manufacturer's warranties. Replenishment loads are available on line or through their authorized agent. Please visit their website at www.pisotext.com or call Manila Forwarders at 1.800.210.1019 for details.