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Topic: Saving

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	Saving, by Laurence J. Kotlikoff: The Concise Encyclopedia of Economics: Library of Economics and Liberty
		Some of the factors that undoubtedly affect the amount people save are culture, differences in saving motives, economic growth, demographics, how many people in the economy are in the labor force, the insurability of risks, and economic policy.
		Another issue related to motives and preferences for saving is the role of the rich in generating aggregate saving.
		One possible explanation for the recent decline in saving is a reduction in saving for bequests, which may tie in with the decline in the birthrate.
	www.econlib.org /library/Enc/Saving.html (2675 words)

	Saving (money) - Wikipedia, the free encyclopedia
		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 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.
	en.wikipedia.org /wiki/Saving_(money) (961 words)

	FRBSF: Economic Letter - What's Behind the Low Personal Saving Rate? (03/29/2002)
		Personal Saving is found by subtracting from DPI total Personal Outlays, 97% of which consists of Personal Consumption Expenditures (including consumer durables), with the remainder composed of Interest Paid by Persons (individuals, nonprofits, and trust funds) and Net Personal Transfer Payments to the Rest of the World.
		One concern that has been expressed over a low personal saving rate is that it may cause national savings to be insufficient to support the level of investment necessary to sustain a high level of long-run economic growth without excessive dependence on foreign capital.
		However, when savings by businesses and government are added to personal saving, this measure of aggregate gross saving as a percentage of GNP is estimated to have been 17.2% in 2001:Q3, which is likely to have been the nadir of the current recession.
	www.frbsf.org /publications/economics/letter/2002/el2002-09.html (1831 words)

	Improving India's Saving Performance - Finance & Development - June 1997
		Public saving weakened in the early 1990s to reach a low of 0.5 percent of GDP in 1993/94, a significant reduction compared with the levels of 45 percent of GDP seen in the early 1980s.
		Household saving in gold probably increased after import restrictions were liberalized in 1992, implying an increase in the underestimation of saving.
		Assuming that physical saving is negatively related to financial saving, we estimated physical saving using an econometric regression on financial saving and a time trend to obtain a second path for domestic saving.
	www.worldbank.org /fandd/english/0697/articles/0100697.htm (3112 words)

	Bank of America \| Financial Education and Tools \| Budgeting \| Get More From Saving (Site not responding. Last check: 2007-10-11)
		Savings accounts (sometimes referred to as "statement savings") offered at banks and savings institutions are the simplest, easiest accounts to set up and maintain.
		On the other hand, if you are saving money for retirement many years from now, you can afford a higher risk with the hope of a higher reward, such as you might find in the stock market.
		Another way to enjoy tax-advantaged, long-term savings is to have money withheld from your paycheck every month to put in a tax-deferred retirement program, such as a 401(k) plan or other pension vehicle.
	www.bankofamerica.com /financialtools/index.cfm?view=DETAIL&tools=budgeting&product=GETMORE (1422 words)

	Tactics and Tips: Worth Saving
		A staple of the DandD game is the saving throw, and this week's article discusses the characteristics of the three saving throw types, and ways to improve the survival chances of your PC.
		At low levels, poisons and disease are the most common Fortitude effects, and failing a saving throw will be an inconvenience, but a failed result usually doesn't immediately kill the character (though a strong poison might incapacitate her if an ability other than Constitution is dropped to zero).
		Consider that a standard saving throw DC will, in general, be somewhere between 10 + half your level and 10 + your level.
	www.wizards.com /default.asp?x=dnd/tt/20050411a (1082 words)

	Saving Face - Rotten Tomatoes (Site not responding. Last check: 2007-10-11)
		Saving Face is the charming story of a young woman's complicated life and her pursuit of love amid the chaos.
		Saving face is the means by which everyone gets through the days, performing in order to please others, to get ahead, to avoid trouble, to survive.
		Saving Face's saving graces are its sense of humor and its strong cast.
	www.rottentomatoes.com /m/saving_face (889 words)

	Biographical Information - Thomas R. Saving, Ph.D. (Site not responding. Last check: 2007-10-11)
		Thomas R. Saving is an NCPA senior fellow and the Director of the Private Enterprise Research Center at Texas A&M University.
		Saving's research has covered the areas of antitrust and monetary economics, health economics, the theory of the banking firm and the general theory of the firm and markets.
		Saving served as chairman of the Department of Economics at Texas A&M from 1985-1991.
	www.ncpa.org /about/tsaving.html (179 words)

	Saving Time, Saving Energy
		Daylight Saving Time -- for the U.S. and its territories -- is NOT observed in Hawaii, American Samoa, Guam, Puerto Rico, the Virgin Islands, and by most of Arizona (with the exception of the Navajo Indian Reservation in Arizona).
		So, Daylight Saving Time saves energy for lighting in all seasons of the year except for the four darkest months of the year (November, December, January and February) when the afternoon advantage is offset by the need for lighting because of late sunrise.
		The Department of Transportation estimated that 50 lives were saved and about 2,000 injuries were prevented in March and April of the study years.
	www.nationalatlas.gov /articles/boundaries/a_savingtime.html (1718 words)

	Saving in the World
		It looks at the relationship between saving and growth, and analyzes how saving is affected by macroeconomic policies, financial sector liberalization, pension reform, and foreign aid.
		Saving in Colombia Alejandro López (IMF), Juan Ricardo Ortega (Yale University)
		Saving Across the World, Wednesday, September 16-18, 1998, Washington, DC Click here to see the conference program.
	www.worldbank.org /research/projects/savings/policies.htm (446 words)

	Saving Grace (2000) (Site not responding. Last check: 2007-10-11)
		Saving Grace is smart and enjoyable - those who feel offended by the marijuana thing better go see the America's bride sort of movie.
		Saving Grace also shows that a funny movie doesn't have to be stupid.
		I was laughing my ass off during most of it but also pondering questions about what was the female lead character supposed to do to pay her deceased husband's debts.
	www.imdb.com /title/tt0195234 (474 words)

	Save Money and Budgeting Forums - Saving Money On Insurance - Tips
		Choosing the maximum deductible over the standard can save you over 10% a year on insurance costs.
		Another key to saving money on insurance is to shop around and get as many quotes as possible.
		I'd rather be on the safe side than save a few bucks.
	www.savingadvice.com /forums/showthread.php?t=94 (939 words)

	Personal Banking, Savings, Saving, Bank, Interest Rate, Tax, Charges, Current accounts, Isa brochures \| This is Money
		A third of bank customers say they would be prepared to pay a monthly fee on their current account in return for fairer treatment from their bank...
		Accounts with 8.5% interest for young workers, are just two of the bright ideas to come from a group of school students putting their savings thoughts to experts...
		Savings rates may be rising for some, but if you're stuck in the wrong account you'll be losing money every day because of inflation...
	www.thisismoney.co.uk /saving (913 words)

	Daylight saving time - Wikipedia, the free encyclopedia
		Daylight saving time (DST), also known as summer time, is a conventional local time adopted by many countries of the world on a seasonal basis.
		Part of the reason that it is normally observed only in the early spring, summer, and early autumn instead of the winter months is that the amount of energy saved by experiencing sunset one hour later would be negated by the increased need for artificial morning lighting due to a later sunrise.
		In the normative form of the name, "daylight saving" is a compound adjective that modifies "time." A common variant is daylight savings time, which is frequently heard in speech and appears in some dictionaries.
	en.wikipedia.org /wiki/Daylight_saving_time (3010 words)

	The Mint: Saving Money (Site not responding. Last check: 2007-10-11)
		That may be okay if you're very young, and your parents pay for almost everything for you.
		If you're smart, you've been saving for a couple of months just to get you through this very expensive time.
		To invest, you need more savings — money you don't need for 1, 2, and 3 above.
	www.themint.org /saving/index.php (176 words)

	Saving dynamic data from Flash
		There could be many reasons, and this reasons will modify the way we save it.
		In this example, we assume that the data is saved in order to be used again from Flash, so we will save name/value pairs as Flash expects in order to load it (see loading data tutorial)
		If you want to save data more than once in a cumulative way, use "a+" mode instead.
	www.flash-db.com /Tutorials/saving/savingData.php?page=2 (623 words)

	Visa USA \| Personal \| Saving
		Saving is an important component in financial planning.
		While those with modest incomes cannot save as much as the affluent, almost all have the ability to build wealth over time.
		The following savings products are often used by those saving one to five years for a wealth-building goal such as an emergency fund, the down payment on a mortgage, or school tuition.
	usa.visa.com /personal/using_visa/personal_finance/saving.html?printable=yes (850 words)

	Saving (Site not responding. Last check: 2007-10-11)
		While growing up, most of us are taught the value of saving: saving money, saving items we might need in the future, saving special collections of things like coins, dolls, rare books, etc. However, sometimes, the desire to save goes awry.
		Compulsive hoarders over-estimate the possible negative repercussions of such a loss and then over-compensate by holding onto everything, “just in case.” The compulsive saving is an attempt to manage overwhelming anxiety associated with their fears.
		People with this disease frequently recognize their “saving” is out-of-control, yet their anxiety prevents them from stopping.
	www.drgingerblume.com /scripts_saving.htm (588 words)

	Daylight Saving Time - Saving Time, Saving Energy (Site not responding. Last check: 2007-10-11)
		Daylight Saving Time - for the U.S. and its territories - is NOT observed in Hawaii, American Samoa, Guam, Puerto Rico, the Virgin Islands, and by most of Arizona (with the exception of the Navajo Indian Reservation in Arizona).
		In England, the energy saving aspects of Daylight Saving were recognized again during WWII.
		You can find out more information about Daylight Saving Time by writing TIME, c/o Office of General Counsel, U.S. Department of Transportation, Washington, D.C. Another Web site about DST can be found at: http://www.webexhibits.com/daylightsaving/, which is a public service of the Institute for Dynamic Educational Advancement (IDEA) by WebExhibits as a compliment to www.time.gov.
	www.energy.ca.gov /daylightsaving.html (3085 words)

	Helpful Hints on Saving for Your Retirement- Quicken Loans (Site not responding. Last check: 2007-10-11)
		These days, there are many Americans who will not and don't have enough saved for retirement and therefore unprepared for the risks they face during retirement.
		Traditional pensions are becoming a thing of the past and the responsibility of saving for retirement is falling on employees, rather than the employer.
		Even if you've been saving for retirement and expect to receive Social Security benefits, there's always the possibility it won't be enough.
	www.quickenloans.com /mortgage-news/article/365.html (578 words)

	Money Saving Tips
		I have many ways of saving a penny here and there, but these are my most used and best tips.
		That's $37 more than what we were paying for our basic cable so we are saving at least $43 a month not to mention the hassle and gas money of going to rent and return movies.
		We'll miss the wonderful pine aroma, but we'll be saving over $20 at Christmas time (when we need it most) and we'll have a tree right in our garage rather than having to pick one up in a crowded parking lot.
	www.frugaltimes.com /moneysavingtips.html (1416 words)

	Word Tutorial-Saving (Site not responding. Last check: 2007-10-11)
		It is a good idea to save your document right away and they continue saving every 5 or 10 minutes so if your computer crashes you will not have lost much.
		Go to File on the menu bar and choose Save As if it is the first time you are saving a document or if you want to save your document to a new location.
		Under files of type you usually don' t have to change this but if you were saving to use this file on another computer that didn't have the same version of Word you can click on the down arrow and choose 95 format, Microsoft Word, Macintosh, txt, etc.
	www.electricteacher.com /wsaving.htm (205 words)

	Energy Saving Trust - energy efficiency & conservation
		There are lots of simple things you can do right now to save energy, from turning your thermostat down by 1°C, to insulating your home.
		Wind, solar, water, and bio fuels - there are effective alternatives to fossil fuels to help you meet your energy needs and reduce your home's carbon dioxide emissions.
		You can follow ten simple steps to save £120 per year and reduce your car's impact on the environment.
	www.est.org.uk (205 words)

	Saving Water
		Helping people save water is just one of the many ways we are helping secure Sydney's precious water supply.
		For businesses we provide information on saving water as well as a formalised water saving process for high water users.
		Whether it's rinsing vegetables in a plugged sink, buying a water saving trigger nozzle, rethinking your garden design or installing a greywater diversion device, we can all do a little - and save a lot.
	www.sydneywater.com.au /SavingWater (457 words)

	Saving the Daylight - David Prerau: Daylight Saving Time
		Thus was born the idea of daylight saving time.
		DST in Parliament: William Willett first proposed his idea in the British Parliament as the Daylight Saving Bill of 1908, and he fought for years to introduce the concept in Britain.
		Willett was relentless in his pursuit of daylight saving time (later called summer time), but repeated attempts to pass a bill in Parliament all failed.
	www.savingthedaylight.com /dst/index.html (1409 words)

	About Daylight Saving Time - History, rationale, laws & dates
		Daylight Saving Time gives us the opportunity to enjoy sunny summer evenings by moving our clocks an hour forward in the spring.
		Yet, the implementation of Daylight Saving Time has been fraught with controversy since Benjamin Franklin first conceived of the idea.
		Here, you can learn about the history of daylight saving (or as some may say, daylight shifting), the standardization of time, and when regions around the globe spring ahead and fall back.
	webexhibits.org /daylightsaving (131 words)

	YouTube - saving
		Join YouTube for a free account, or Login if you are already a member.
		Helicopter gives deer blow job saving its life.
		Keep It Green!: Saving The Environment by Riding The Bus.
	youtube.com /?v=x9s5Dz_2zHs (72 words)

	Welcome to www.savinggraves.com
		We list Savings Accounts with the Highest Available Yield.
		Save energy, money and CO2 at your TV, PC and other items
		Free With Profit Pension Saving Review Service With Forum.
	www.savinggraves.com (138 words)

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