Savings
in sentence
1605 examples of Savings in a sentence
Households, corporations, financial institutions, and governments are all facing balance-sheet constraints, which it seems plausible to assume, are holding back expenditure and investment, elevating savings, and contributing to a broadly deflationary environment.
It makes much more sense to tax things that are bad, like pollution, than things that are good, like
savings
and work.
For example, simply changing the color of roofs in warm climates to reflect sunlight or planting trees around houses can lead to great
savings
on energy used for air conditioning.
There is a strong business and consumer case for improving resource productivity, as it could lead to substantial cost
savings.
Without first-rate expertise in debt management, an economy implementing large-scale public outlays risks crowding out private investment through overreliance on domestic
savings.
Similarly, Mexico’s National
Savings
and Financial Services Bank has helped to strengthen
savings
and credit institutions that serve millions of rural residents who would otherwise have been relegated to the margins of the formal financial sector.
As the Japanese economist Ryuichiro Tachi has pointed out, Japan also benefited from a high
savings
rate and a low capital coefficient (the ratio of capital to output) of less than 1.
For example, when Airbus moved from injection molding to 3D printing to produce the metal hinges for its airplanes’ doors, it reduced their weight by half, yielding phenomenal
savings
in material and associated fuel consumption over a lifetime of flying those hinges around the world.
National
savings
amounted to roughly 50% of GDP in 2005, which apparently means that households are so afraid of hospital bills, school fees, and the down-payment on the new apartment they dream of that they save every penny they earn.
But that
savings
number hides something very critical.
Until recently, banks could offer only simple
savings
accounts.
This includes material savings, increased productivity, new jobs, and possibly new product and business categories.
Moreover, governments should guarantee insolvent banks’ loans to non-financial companies, as well as private customers’ current, fixed-term, and
savings
deposits, by reforming insolvency laws.
Nor would a run on
savings
deposits occur, given the official guarantees that they remain unaffected by a bank’s insolvency.
After all, even a simple banknote is money only because the government says so, and thus is no different from
savings
deposits, which means that no saver has an advantage from holding cash.
Of course, the deliberate restriction of the effects of bankruptcy to accounts other than private current, savings, and fixed-term deposits means that the insolvency of bank A could lead to the insolvency of bank B. For bank B, too, the same liquidation scenario would apply:
savings
deposits would be safe, payments could be made from its customers’ current deposits, and loans that it granted to non-financial companies would not be revoked.
But 2.5 billion people worldwide still lack access to formal banking services, credit facilities, or
savings
instruments.
And legal, regulated options for safeguarding
savings
and accessing credit would reduce reliance on the black market or the informal economy, where financial exploitation flourishes.
Since its 2008 launch, M-PESA has attracted nearly 14 million Kenyans – almost one-third of the country’s total population – who use it for money transfers, savings, and other financial transactions.
Similarly, a state-owned Indonesian bank, Bank Rakyat Indonesia, is providing micro-financing services to 30 million people, while in India, new “no-frills”
savings
accounts have attracted 12.5 million customers.
In fact, they have little in common – the trade balance is simply the difference between domestic
savings
and investment or more broadly, between aggregate spending and output – but referring to Deutschland AG, or UK plc, is conceptually attractive and seductively easy.
The
savings
(£1.6 billion) implied by Osborne’s proposal represent only a tiny fraction of Britain’s £310 billion annual bill for social-welfare programs.
As the Fed slowly raises interest rates, those middle-class families holding their hard-earned
savings
at the bank will finally start realizing some return on their deposits.
The long-term effects should not be underestimated, given the helpful impact of compound
savings.
Although this time, the gains presumably will be smaller and slower to arrive, owing to the likely pace and extent of Fed tightening, interest paid on
savings
will move household income in the right direction: up.
These imbalances ultimately reflected the accumulation of excessive international liquidity by countries like the US, stemming from excessive
savings
by countries like China.
The number of maternal deaths could fall by one-third, saving millions (in developing countries overall, maternal and new-born health-care
savings
could reach $5.7 billion).
As the German economist Marcel Fratzscher recently tweeted, “The unbearable cynicism of some German politicians and economists: they attack ECB policy, yet Germany’s government is its biggest beneficiary – €294 billion in interest
savings
since 2007.
A balanced budget, decentralization of the state, and high
savings
rates will also be needed to reverse the trend.
This dead-end strategy will feature vain attempts to game Germany and desperate economic expedients, such as the essentially coercive capture of domestic
savings
to finance government debt.
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