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In common usage, saving generally means putting money aside, for example, by putting money in the bank or investing in a pension plan. In a broader sense, saving is typically used to refer to economizing, cutting costs, or to rescuing someone or something. In terms of personal finance, saving refers to preserving money for future use - typically by putting it on deposit - this is distinct from investment where there is an element of risk.

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Blogs for Savings

Savings Blog

Savings rate at five year low. Abbey and their new account. M&S ISA ... Save more in the New Year. Savers punished once again. Savings Blog © 2008. All rights ...www.savingsblog.org/

Online Savings Blog

This will be my last post at the Online Savings Blog. ... To keep up with me, follow me on Twitter or visit my blog. Happy holidays — and keep on saving. ...www.onlinesavingsblog.com/

CoolSavings Community - The best shopping, savings, coupons and tips!

The CoolSavings Community is for people who love to save, trade tips and make new friends. Check out our savings blog and Deals of the Week!savingscommunity.coolsavings.com/

Bright Futures Blog | Your online guide to 529 plans, financial aid ...

401Kid College Savings Blog (65) College Admissions (6) College Life (9) Financial Aid (8) ... Parenting, 401Kid College Savings Blog |Discuss this topics in ...www.401kid.com/blog/

Sisterly Savings

Blog DIY. Blogging Info. Coupons. Online Coupons. Printable Coupons. Rebate Offers ... Copyright © 2007-2008 Sisterly Savings · Revolution Magazine theme by Brian ...www.sisterlysavings.net/

Wikipedia About Savings

In common usage, saving generally means putting money aside, for example, by putting money in the bank or investing in a pension plan. In a broader sense, saving is typically used to refer to economizing, cutting costs, or to rescuing someone or something. In terms of personal finance, saving refers to preserving money for future use - typically by putting it on deposit - this is distinct from investment where there is an element of risk.

Saving differs from savings in that the first refers to the act of putting aside money for future use, whereas the second refers to the money itself once saved. For example: you may decide to start saving 10% of your income; because you aim for your savings to grow into an amount sufficient to buy an automobile.

Saving in economics

In economics, personal saving has been defined as personal disposable income minus personal consumption expenditure. In other words, income that is not consumed by immediately buying goods and services is saved. Other kinds of saving can occur, as with corporate retained earnings (profits minus dividend and tax payments) and a government budget surplus.

There is some disagreement about what counts as saving. For example, the part of a person's income that is spent on mortgage loan repayments is not spent on present consumption and is therefore saving by the above definition, even though people do not always think of repaying a loan as saving. However, in the U.S. measurement of the numbers behind its gross national product (i.e., the National Income and Product Accounts), personal interest payments are not treated as "saving" unless the institutions and people who receive them save them.

"Saving" differs from "savings." The former refers to an increase in one's assets, an increase in net worth, whereas the latter refers to one part of one's assets, usually deposits in savings accounts, or to all of one's assets. Saving refers to an activity occurring over time, a flow variable, whereas savings refers to something that exists at any one time, a stock variable.

Saving is closely related to investment. By not using income to buy consumer goods and services, it is possible for resources to instead be invested by being used to produce fixed capital, such as factories and machinery. Saving can therefore be vital to increase the amount of fixed capital available, which contributes to economic growth.

However, increased saving does not always correspond to increased investment. If savings are stashed in a mattress or otherwise not deposited into a financial intermediary like a bank there is no chance for those savings to be recycled as investment by business. This means that saving may increase without increasing investment, possibly causing a short-fall of demand (a pile-up of inventories, a cut-back of production, employment, and income, and thus a recession) rather than to economic growth. In the short term, if saving falls below investment, it can lead to a growth of aggregate demand and an economic boom. In the long term if saving falls below investment it eventually reduces investment and detracts from future growth. Future growth is made possible by foregoing present consumption to increase investment. However savings kept in a mattress amount to an (interest-free) loan to the government or central bank, who can recycle this loan.

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News about Savings

Morningstar Sizes Up Area's College Savings Plans

Washington PostHere's what Morningstar had to say about the 529 plans for Virginia, Maryland and the District.http://www.washingtonpost.com/wp-dyn/content/article/2009/05...

County gets gas savings

Wapakoneta Daily NewsBy KAREN CAMPBELL Assistant Managing Editor Natural gas savings for the county after joining a state purchase program should be significant, says the county administrator.http://www.wapakdailynews.com/content/view/105551/27/

Sports Fans Won't Score Big Savings by Canceling Cable

Washington PostPity the -- literally -- poor sports fan. Cinephiles can forsake their premium cable subscriptions in favor of a cheap Netflix package and a library card. Frugality bloggers can provide free or low-cost placebos to the scripted-TV addict. Articles and blog posts exhorting people to cut the cable ...http://www.washingtonpost.com/wp-dyn/content/article/2009/05...

Time to boost your college savings?

The Shamokin News-ItemDo you have school-age children? If so, the end of the school year means that your kids are now one year closer to college. That means you have even more incentive to launch a college savings strategy, which is essential these days.http://www.newsitem.com/articles/2009/05/09/news/business/sh...

Obama Defends Against Budget Critics, Saying Savings ‘Add Up’

Bloomberg via Yahoo! NewsMay 8 (Bloomberg) -- President Barack Obama defended the $17 billion in cuts he’s making in a $3.55 trillion budget against criticism from lawmakers by saying any savings, large or small, “add up.”http://news.yahoo.com/s/bloomberg/20090508/pl_bloomberg/a6i7...

News about Savings

Points add up to big savings

Scotsman.comAS THE recession tightens, we all dream of finding a money tree growing at the bottom of the garden. Alas, such things only exist in fairy stories. Or do they? Shopping loyalty points and cashbacks are a modern real-life equivalent of free money. But ... http://business.scotsman.com/personal-finance/Points-add-up-...

NHS spends £350m on consultants

Guardian UnlimitedCutting the money spent on management consultants could deliver 11% of the £2.3 billion savings demanded from the Department of Health in Chancellor Alistair Darling's Budget last month, said Dr Carter. "Before the Department of Health and local ... http://www.guardian.co.uk/uk/feedarticle/8499027

Shift to Saving May Be Downturn’s Lasting Impact

New York TimesIn the last year, the savings rate — the percentage of after-tax income that people do not spend — has risen to above 4 percent, from virtually zero. This happens in nearly every recession, and the effect is usually fleeting. Once the economy ... http://www.nytimes.com/2009/05/10/business/economy/10saving....

Suspension savings smaller than first thought

Major League BaseballLOS ANGELES -- The Dodgers won't save $7.7 million this season with Manny Ramirez's 50-game suspension as originally reported but instead will save a total closer to $6.8 million over four years and just $2.37 million this year. Ramirez's $25 million ... http://mlb.mlb.com/news/article.jsp?ymd=20090509&content_id=...

PRIME TIME BRIEFS

Tampa Bay OnlineAt the end of the month, you could have $150 to $300 to sock away in a savings account that can go toward credit card bills or unexpected car repairs. •Cancel your garbage collection service and split the bill with your neighbor; this works as long ... http://www2.tbo.com/content/2009/may/10/tr-prime-time-briefs...

Search results for Savings

TreasuryDirect

Learn about Treasury Bills, Notes, Bonds, and TIPS; EE/E Savings Bonds in Depth; I Savings Bonds ... Access data and rules on securities auctions. Get information about Treasury securities ... http://www.savingsbond.gov/

Thrift Savings Plan

The Thrift Savings Plan (TSP) is a defined contribution retirement savings plan for Federal employees. In this site, you can find answers to most questions about the TSP, check ... http://www.tsp.gov/

World Savings - Wachovia

World Savings Has Merged with Wachovia: World Savings and Wachovia have merged to provide you with additional products and services. As part of the merger, all World Savings ... http://www.worldsavings.com/

ING DIRECT - Save Your Money!

An FDIC insured national bank offering one of the highest savings rates with no fees and no minimums. ING Direct also provides highly competitive Certificate of Deposits, Mortgages ... http://www.ingdirect.com/

Saving - Wikipedia, the free encyclopedia

Saving differs from savings in that the first refers to the act of putting aside money for future use, whereas the second refers to the money itself once saved.http://en.wikipedia.org/wiki/Savings

Wikipedia results for Savings

Saving - Wikipedia, the free encyclopedia

Saving differs from savings in that the first refers to the act of putting aside money for future use, whereas the second refers to the money itself once saved.http://en.wikipedia.org/wiki/Savings

Savings account - Wikipedia, the free encyclopedia

Savings accounts are accounts maintained by retail financial institutions that pay interest but can not be used directly as money ( for example, by writing a cheque).http://en.wikipedia.org/wiki/Savings_account

Savings and loan association - Wikipedia, the free encyclopedia

A savings and loan association, also known as a thrift, is a financial institution that specializes in accepting savings deposits and making mortgage loans.http://en.wikipedia.org/wiki/Savings_association

Savings and loan crisis - Wikipedia, the free encyclopedia

The savings and loan crisis of the 1980s and 1990s (commonly referred to as the S&L crisis) was the failure of 745 savings and loan associations (S&Ls aka thrifts).http://en.wikipedia.org/wiki/Savings_%26_Loan_Crisis

Savings bank (Spain) - Wikipedia, the free encyclopedia

In Spain, a savings bank (Spanish: caja de ahorro or informally just caja, Catalan: caixa d'estalvis) is a financial institution which specializes in accepting savings deposits and ... http://en.wikipedia.org/wiki/Spanish_savings_banks
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Videos found for Savings

Real savings in Obama budget?

Real savings in Obama budget?The President's proposals to trim 121 programs amount to only one-half of 1 percent of the President's proposed budget.Flash - Video

Grocery savings strategy

Grocery savings strategyHLN money expert Clark Howard talks with a caller who has an interesting strategy for saving money on groceries.Windows Media - Video

As savings head south, some head no...

As savings head south, some head north for collegeApril 17: As the economic downturn continues to dent U.S. savings accounts, some American students are looking to Canadian universities for a lower-cost alternative. NBC's Tom...Windows Media - Video

Savings For Calif. Homeowners Who R...

Savings For Calif. Homeowners Who RefinanceMortgage rates are so low homeowners are expected to save $18 billion this year by refinancing. Koula Gianulias reports.Windows Media - Video

Pensioners risk health to save mone...

Pensioners risk health to save moneyPensioners are skipping meals to save money on food during the recession, a shocking survey has found. A poll of 1,200 people aged over 60 showed one in five misses a meal while...Flash - Video

Answers for Savings

PrettyWifeyHow much do you put in savings every month?PrettyWifeyYou don't mention your income or expenses, which is very relevant to an answer. You also don't say whether you contribute to a retirement fund at work in addition to that $700-$1000 in cash savings (...TribippyHow do you determine savings after having insulation blown into walls?TribippyIf the weather is colder, you need to determine if you are using more gas than last year. Changes in the weather make it difficult to compare savings. Closest you will come is after a few months of mo...DavidFLOn savings accounts, how much interest do you have to earn in a year to have to pay Capital Gains taxes?DavidFLone dollar $1.00livelaughlove`<3What are savings bonds and how do they work?livelaughlove`<3a bond is like a savings account but with no monthly statement. each month the bond increases in value from interest that accrues/builds. the bond matures in 30 years from the date of the bond which...Bethenia252What is a Double E savings bond and how exactly does it work?Bethenia252Here you go. http://www.savingsbonds.gov/indiv/research/indepth/ebonds/res_e_bonds.htm
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