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Have you got any experience? <a href=" http://jillmillerzimon.com/hajar-jahanam-kaskus-jakarta.pdf#sons ">hajar jahanam batam</a> Despite 85 per cent of respondents earning more than in the UK, almost a quarter of them do not allocate any of their annual income to any sort of retirement savings. Instead, more than 20 per cent of monthly salaries are used for holidays and travel. While saving is still done, it tends to be for short-term expenses to fund lifestyles and leisure habits.