most of us pinoys have plans of going back.save the dollars,invest in real estate in pinas and when its time to collect for pension /social security dyan na tayo sa pinas.the disadvantage here when you get old,walang magaalaga sayo coz everyone in your household are working kaya saan ka babagsak?sa home for the aged or convalescent homes. where in pinas you can afford a private nurse, a maid and a driver,dba?