Frank Dadah, a principal account manager and general manager at WinterWyman , a recruitment firm that specializes in search and contract staffing in the Technology, Accounting and Finance, Human Resources, and Investments and Financial Services industries, says job hopping is moving from one company to the next for either a lateral move or promotion.

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We should be assigned a health savings account at birth, whose principal sum would grow over the years and need not be expended by a particular date.

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The accounts in Swiss banks will be taxed at between 19% and 34% by the Swiss authorities on the principal sum, depending on how long the account has been running.

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"All I wanted to do was preserve my principal, and you can't do that with a 5% savings account, " he says.

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What the charts vividly illustrate is that old age social welfare programs and interest and principal payment on debt, even at close ultra-low interest rates, account for close to 70 percent of national government spending in Japan.

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But beware: If you are going to use your 401(k) for anything other than retirement savings, you have to make sure you are contributing to the account at a level surpassing what you think you need for retirement, notes Brian Keating, principal of Navigator Financial Advisors in Essex, Mass.

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