savingsav‧ing /ˈseɪvɪŋ/ ●●○ S3 W3 noun 
Buying a house had taken all their savings.2[countable] an amount of money that you have not spent, or an amount of something that you have not used: The new engines will lead to savings in fuel.saving of This represents a saving of £60,000. All small companies will need to make savings if they are to survive.3[uncountable] when you save money rather than spend it → save1(2)
EXAMPLES FROM OTHER DICTIONARIES
- The sale price of $599 represents a saving of $100 off the regular price.
- It wants to see savings of £300,000.
- This will represent a saving of £10 for those members who opted for this extension in the past.
- Under his original proposal, much of the savings would have gone to the wealthy.
- Use of a captive can produce cost savings and cash flow advantages for groups.
- What a saving of money and energy this might represent in a person's life!
Longman Language Activatorthe only good feature of something
· I can't really play baseball. My one saving grace is that I can pitch.· I hate this house. Its only saving grace is that it's near the centre of town.
the one good quality that something or someone has that saves it from being completely bad, useless, or unacceptable: · The heroine of the novel is cruel and evil, with no redeeming features.· Coal is relatively expensive but its redeeming feature is that it is in plentiful supply.
something that stops someone or something from being completely bad something, often the only thing, that makes someone or something not completely bad: · Her only saving grace is her sense of humour.· None of the characters in her novels have any redeeming features.· The accommodation - dirty and freezing cold - had one redeeming feature. It was cheap.
WORD SETSabove the line, adjectiveabsorption rate, acceptance sampling, accountant, nounaccount balance, accounting, nounaccounting rate of return, accrued cost, accrued income, accumulation unit, acid ratio, actual price, A/D, adjustable peg, nounADR, nounadvancer, nounAER, aftermarket, nounAGI, aging schedule, agio, nounAICPA, allottee, nounallowable, adjectivealternative investment, amortizable, adjectiveannual earnings, annual income, annual value, annuity, nounappraiser, nounappropriate, verbappropriation, nounappropriation account, arb, nounas at, prepositionas of, prepositionasset, nounasset backing, asset shuffling, nounasset stripping, nounasset-stripping, verbasset turnover, asset value per share, Association for Payment Clearing Services, nounassured value, at best, adverbat call, adverbaudit, verbauditor, nounauditor's report, auto-financing, adjectiveaverage stock, backdate, verbbackup withholding, nounbackwardation, nounbad debt recovery, bail-out, nounbalanced fund, balance sheet, nounBaltic Exchange, nounbankroll, nounbase rate, nounbasis point, bed-and-breakfasting, nounbellwether, nounbelow the line, adjectivebeneficial owner, best efforts, adjectivebeta coefficient, nounbid and asked, adjectivebill rate, Black Friday, nounBlack Thursday, nounBlack Tuesday, nounBlack Wednesday, nounblank transfer, bond, nounbond fund, bond premium, bookbuilding, nounbook debt, book entry, book-keeper, nounbook-keeping, nounbottom fisher, nounbought deal, bourse, nounbreakeven, nounbreak-up value, buildings and contents insurance, buoy, verbbuoyancy, nounbuoyant, adjectivebusiness angel, nounbusiness entity, business manager, buyback, nounbuy-in, nounbuying power, buying price, buy limit order, buy order, buyout, nouncabinet bid, callable, adjectivecallable fixture, nouncap and collar, nouncapital appreciation, capital asset pricing model, capital charge, capital dilution, nouncapital equipment, capital flow, nouncapital gain, capital invested, nouncapitalization of reserves, nouncapitalize, verbcapitalized, adjectivecapital movement, nouncapital outlay, capital rationing, nouncapital stock, capital sum, capital surplus, capital transfer, capital value, CAR, carried down, adjectivecarried forward, adjectivecarried over, adjectivecarryback, nouncarryforward, nouncarrying charge, carry-over, nouncash account, cash at bank, nouncash basis, nouncashbook, nouncash column, cash equivalent, cash flow, nouncashless, adjectivecash management, cash price, CBOT, c/d, certificate of deposit, nouncertificate of occupancy, nouncertified public accountant, nounCFO, chain of title, nounChapter 7, nounChartered Financial Consultant, nounchartist, nounchattels real, nounChicago Board Options Exchange, nounChicago Mercantile Exchange, nounChinese wall, nounchurning, nounCISCO, nounclawback, nounclean opinion, nounclearer, nounclearing agent, nounclosed-end, adjectiveclosely held, adjectiveCMA, CME, COGS, collection ratio, Comex, nouncomfort letter, commercial agent, common ownership, company doctor, company limited by guarantee, nouncompany limited by shares, nouncomparables, nouncomparable-store sales, compensate, verbcompensating error, completion date, compound, verbcompound annual rate of return, nouncompound interest, nouncomptroller, nounComptroller and Auditor General, nounComptroller General, nounComptroller of the Currency, nouncompulsory purchase order, concert party, nounconsistency concept, nounconsolidated accounts, consolidator, nounConsols, nouncontango, nouncontinuous inventory, contra account, contra-asset account, contract note, controller, nouncontrol period, conversion premium, cooling-off period, nounco-operative society, corporate investment, cost, verbcost of goods sold, nouncounting-house, nouncoupon sheet, nounCPA, nounCPI, cramdown, nouncredit, nouncredit, verbcredit card payment, credit facility, creditor turnover rate, nouncredit quality, credit repair, credit standing, credit status, creeping control, CREST, nouncurrency pair, nouncurrency peg, nounDaily Official List, nounday book, nounday order, dead cat bounce, death futures, debt capital, debt ratio, decliner, noundeed of conveyance, noundeferred credits, noundeferred income, deferred share, degearing, noundeleverage, noundelinquent tax certificate, delivery date, demand note, dematerialize, verbdemonetize, verbdemutualize, verbdenominated, adjectivedeposit certificate, depository institution, deposit protection fund, noundepreciable life, depreciation account, deprival value, derivative lease, direct exchange, direct investment, direct labour, directors register, discount brokerage, discount loan, discretionary account, discretionary order, discretionary spending, diversifieds, noundivestment, nounDJIA, dollar-cost averaging, noundollars-and-cents, adjectivedomestic investment, double declining balance, double-witching, noundown payment, noundowntick, nounDPS, drawdown, noundrawing account, dual capacity, noundual listing, due, adjectivedue diligence, earn, verbEasdaq, nouneconomic, adjectiveeffective rate, emissions unit, encash, verbequity, nounequity investment, ERM, nounerror of commission, nounerror of omission, nounerror of posting, nounerror of principle, nounethical investment, Euribor, nounEuro.NM, nounEuropean interbank offered rate, exceptionals, nounexchange arbitrage, exchange of contracts, nounex gratia, adjectiveexpense ratio, expiration date, face amount, factor cost, factoring, nounfailure, nounfair value, fand, nounFederal funds, fee absolute, nounfigure, nounfinal accounts, final distribution, finance charge, Financial Accounting Standards Board, nounfinancial investment, financials, nounfinancial services, financial supermarket, financial year, nounfinancier, nounfirst in, first out, nounfirst-quarter, adjectivefixed assets, nounfixed costs, nounfixed-income investment, fixed investment, fixtures and fittings, nounfloater, nounflood insurance, flowback, nounflow of funds, nounfocus list, foreign investment, freehold possession, free movement, nounfriends, nounfront-running, nounfull-year, adjectivefully-subscribed, adjectivefunder, nounfungible, adjectivefutures, nounfuture value, FY, G & A, gainer, noungilts, nounGinnie Mae, nounGLOBEX, nounGNMA, noungolden share, golds, noungood-faith money, government investment, greenshoe, noungross, adjectivegross income, gross investment, group accounts, grubstake, nounguaranty, nounhealth warning, nounhigh end, nounhigh flyer, nounhigh-yield, adjectiveHip, nounholding, nounholding company, nounholdout, nounhomeowner's insurance, home repair, household insurance, idle balance, imprest, nouninactive account, incentive fee, income and expenditure account, income share, incubator space, index-linked, adjectiveindirect exchange, industrials, nouninherit, verbinheritance, nouninjection, nounIN.SECTS, nouninstitutional investment, interest cover, International Monetary Fund, nounInternational Securities Exchange, nouninvest, verbinvestment, nouninvestment income, investor, nouninvestor resistance, issuance, nounissue flop, nounissuer, nounkerb market, key money, large-cap, nounlast in, first out, nounlast sale, leaseback, nounleasehold possession, ledger, nounledger clerk, legal investment, lending rate, nounletter of comfort, nounleverage, verblifecycle cost, LIFO, like-for-like, adjectiveliquidity, nounliquid ratio test, loading, nounloan-to-value ratio, London Clearing House, nounM & A, management charge, mandatory general offer, margin account, market order, material fact, nounmature, adjectivematurity, nounmid-cap, nounMMC, mortgage protection insurance, multiple (share) application, municipals, nounNational Market System, nounNational Savings Stock Register, nounNBV, net, adjectivenet, verbnet 10/eom, adverbnet 30, adverbnet annual value, net asset backing, net asset value, net book value, net income, net interest, net investment, net present value, net realizable value, nominal accounts, nominal price, nominal value, non-payment, nounnon-recurring, adjectivenote issuance facility, NPV, NTA, number-cruncher, nounOEIC, offer for sale, nounoff-market, adjectiveon demand, adverbopen interest, nounopen-market, adjectiveopen outcry, nounoperating income, option, nounoption premium, option pricing model, options contract, order-driven, adjectiveorigination, nounoutflow, nounoutturn, nounoutward investment, overallotment, nounoverborrow, verboverbought, adjectiveovercapitalized, adjectiveovergeared, adjectiveoverissue, nounoverlend, verboverseas investment, overtrade, verbowner-operator, nounP&L, packager, nounpaperchase, nounpar value, pass-through, nounpawn, verbpayables, nounpay and file, nounpaying agent, payout ratio, PDR, pension fund, nounpension plan, nounPE ratio, performance guarantee, permission to build, nounpersonal investment, petrodollars, nounPink Sheets, nounplanning application, plat book, pledgee, nounplot plan, pooling of interests, nounpork bellies, nounportfolio, nounpoundage, nounppd., prelease, verbpremium bond, nounpresale, nounprice-sensitive, adjectiveprimary share, prime-1, nounprime tenant, principal, nounprivate company, private income, nounprivate investment, privately-owned, adjectiveprivate placing, proceeds, nounprofit-taking, nounpro-forma, adjectivepro-forma invoice, prompt date, prompt note, property, nounproperty investment, pro rata, adjectiveprorate, verbpublic investment, publicly-held, adjectivepurchase journal, nounpurchases account, purse, nounp.w., quote-driven, adjectiveramping, nounrandom walk, nounratable, adjectiverateable value, rate of return, nounrating agency, real, adjectivereal accounts, real estate investment, realization concept, nounrebound, verbreceiver, nounreceivership, nounrecoup, verbrecuperate, verbred ink, nounredlining, nounrefunding, nounRegional Stock Exchange, nounregistered stock, REIT, nounremarket, verbREMIC, nounremit, verbremittance, nounrent, verbrental, nounrent-free, adjectiverepatriate, verbrepurchase agreement, research manager, reserve requirement, reserves, nounresidual value, resource, verbresults, nounretainer, nounretirement plan, nounreturn, verbreturn, nounrevenue, nounreverse share split, risk analysis, nounrisk profile, ROA, root of title, royalty payment, ruin, verbsale and repurchase agreement, sales account, sales budget, sales charge, sales returns account, salvage value, nounsame-store sales, Sarbanes-Oxley Act, nounsaving, nounSavings and Loan Association, nounSEATS, nounsecondary shares, second-tier share, securities house, security rating, self-dealing, nounself-liquidating, adjectiveSETS, nounsettlement date, settling day, nounshare application, share exchange offer, share manipulation, share split, shark repellent, nounshelf registration, Ship, nounshort-covering, nounshort-term gain, sinking fund, nounsiphon, verbsliding peg, nounsmall-cap, nounSOX, nounspeculate, verbspeculation, nounspeculative, adjectivespeculative investment, squeeze, verbstk., stockbrokerage, nounstock count, nounstockholding, nounstock parking, nounstock valuation, stop order, straight line, adjectivestructural analysis, sublet, verbsubsidize, verbsubsidy, nounsubvention, nounsum of the digits, nounsundries account, super voting rights, sustainability index, swaption, nounsystematic risk, technical analysis, technical analyst, technical correction, technicals, nountenant at sufferance, nountenant at will, nountenant for years, nountenant in common, nounterm, nountippee, nountipper, nountip sheets, nountotal, verbtrading loss, trading profit, transfer, verbtransfer agent, transfer register, trigger point, triple-A, adjectivetriple-witching, nountrue and fair view, nountrust, nountrust company, trustee, nountrusteeship, nountrust fund, nounturnover ratio, undercapitalized, adjectiveundercharge, verbunderfunded, adjectiveunder-investment, noununderreport, verbundervalued, verbunderwriting power, unearned income, ungeared, adjectiveunitize, verbunit of account, noununsystematic risk, upfront fee, uptick, nounvault cash, vendor placing, Wall Street, war chest, nounweak, adjectiveworking capital, nounwrite-off, nounwritten-down value, yield spread, yield to call, nounyield to maturity, nounYTD, YTM, zaitech, nounZ-score, noun
COLLOCATIONS FROM THE ENTRY All small companies will need to make savings if they are to survive.COLLOCATIONS FROM OTHER ENTRIES Medical bills forced her to dip into her savings. The boy needs a life-saving transplant operation.
All small companies will need to make savings if they are to survive. (=a bank that accepts your savings and provides mortgages)
British English, a labor-saving device American English (=that reduces the amount of work you have to do)· Modern houses have so many labour-saving devices.
Medical bills forced her to dip into her savings. (=money saved by being more efficient)· Efficiency savings in the industry will inevitably lead to job losses.
The boy needs a life-saving transplant operation.· The child underwent a life-saving operation to remove a blockage in her stomach.
COLLOCATIONS FROM THE CORPUSADJECTIVE· The consultants estimated that the annual savings could range up to £192 million.· The next obstacle is just as tough: the $ 24 billion annual tax savings for charitable contributions.· Together, that amounts to an annual tax saving of up to £1,000, compared to cars in a higher tax bracket.· This ensured the future of its annual life saving patrols that take place each summer.· The restructuring is expected to result in future annual savings of about $ 16 million.· Sears said the moves will result in annual savings of 8 million, beginning in 1997.
· The bigger the car the bigger the saving.· This would represent the highest percentage cut of any area, and the biggest savings per position, Sheth says.· Earlier settlements mean lower costs for the claimant's solicitor and big savings on experts' fees and other disbursements.· The biggest savings from any one program will come from the Medicare health care program for the old and disabled.· Some consumers will make big savings in a change to metering.· The big savings that are needed will have to be sought elsewhere - by finding tasks the state should abandon.· The biggest savings, therefore, will come from asking which existing weapons are still needed, at least in their present numbers.· This will be a big saving on our cash resources.
· These systems will also make considerable savings in staff time if used by appropriate Garden staff as project design and scheduling aids.· A report by development services director Stephen Tapper says bus lanes produce considerable time savings by allowing public transport unrestricted access.· While 85 % of respondents claimed significant cost savings, 60 % reported considerable time savings.· This would mean considerable cost savings for the smaller teams and help them survive during a difficult economic period.· There were considerable savings both on the capital cost of power stations and on their operating costs.· However, small, non-mechanical parts are fair game and might show considerable savings.· Our pricing system means rates quoted are for two sharing a cabin but when three travel together considerable savings are available.· Composite technology, suitably developed for mass production, might offer considerable savings on this investment.
· A strike of limited duration can improve a firm's financial position by saving on wages.· This service includes a full report with recommendations for immediate financial savings.· The long-term financial savings generated by the cuts were expected to be modest.· Further financial savings would be fatal to services at the Memorial.· Although most of the proposed changes in means-tested forms of support were confirmed the review would now realize only marginal financial savings.· Safety equipment contributes directly to efficiency and productivity and indirectly to financial savings from a reduction in accidents.· Delegalization offers the promise of financial savings, even if the divorce rate remains high.· If they were, a violation may prompt suspicions of deliberate wrong-doing in the interest of financial saving.
· I suspect that even now there is the potential for greater savings.· And it is not just those with larger loans who can make great savings.· What my right hon. Friend said makes it clear that there will not be a great saving to the Ministry of Defence.· Such indices should indicate those stages where the use of robotic-techniques would offer the greatest potential savings and improvements in productivity.· In both instances earlier discovery might obviously give rise to great savings in costs.· This means great savings for you and your family - so there is more to spend on really enjoying your holiday.· You can make even greater savings for your family using one or more separate Daily Mirror vouchers.
· The economic significance of this division was that it made possible a very high rate of saving.· In addition, with more domestic production and higher prices business savings rise.· Because borrowing has become easier, and because confidence has been high, personal savings have been falling around the developed world.· Eventually, the economy comes back into balance with a higher savings ratio and a lower trade deficit.· Men had higher incomes and savings than women.· They had low and declining inflation, several consecutive years of budget surpluses and high domestic savings ratios.
· We will encourage individual savings by giving tax relief on all income paid into new Registered Savings Accounts.· Allowing tax-free individual retirement account savings plans for families with incomes lower than $ 100, 000.· In 1999 it was the introduction of new individual savings accounts.· Alternatively, you could opt for another interest-only mortgage backed by an individual savings account.
· There, the capitalist class had the larger savings propensity, and a transfer to wage-earners reduced the rate of accumulation.· Other large savings come from cutting payments to hospitals and managed-care plans.· This little difference adds up to a large saving.· It is one of the few federal programs from which large budget savings are potentially available.· Natural gas provides a viable alternative to petrol and diesel, offering a large cost saving per gallon.· But the operation lasted less time than thought and generated large savings for Nuclear Electric.· I did not believe that there were large savings to be made simply from reducing the size of the rail network.
· The major hard cost saving comes from reduced labour costs through increased productivity.· But the reform is expected to produce major savings in the years ahead.· With the closure of a further five mills in the first half of the current year major cost savings will be realised.· Nevertheless, the Treasury were going to take some convincing that major savings in public spending were impossible.· Lineside signals will no longer be needed, with major savings in staffing and maintenance costs expected.· Nuclear power Despite the major savings that can be made through relatively simple actions, the government largely ignores the possibilities.
· Two provisions were added by the House: medical malpractice reforms and medical savings accounts.· Of the three provisions, the one causing the greatest partisan and ideological wrangling is medical savings accounts, known as MSAs.· Thirteen states are trying something similar to the medical savings accounts, he said.· Here are the arguments made by supporters and opponents of medical savings accounts, commonly called MSAs.
· Because borrowing has become easier, and because confidence has been high, personal savings have been falling around the developed world.· In setting the final rates of conversion, a distinction was made between graduated levels of personal savings and assets and liabilities.· Pension contributions of employers and employees fell from around 42% to about 30% of total personal savings over the same period.· The essence of personal pensions was that it extended choice and encouraged personal saving.· Real incomes and personal savings were rising along with increased industrial output and business dividends.· The personal savings rate has already started to bounce back, and is sure to rise further this year.· Some of the money was raised in the form of war bonds, and personal savings in general rose enormously.· The key lies in those personal savings.
· I suspect that even now there is the potential for greater savings.· So where are the potential savings?· Despite that inconvenience, the potential savings offering by NuTcracker, should it prove viable, is not insignificant.· The potential saving compared to paying for a childminder can be considerable; more so for a nanny.· For example, do households living in well-insulated accommodation balance out potential savings by maintaining higher temperatures?· Such indices should indicate those stages where the use of robotic-techniques would offer the greatest potential savings and improvements in productivity.· Several voices were raised on the potential for savings in social security but no decision was taken.· Typical potential savings have been 5% on debtor levels, 2% on energy costs and 25% on payroll preparation.
· It is, he argues, not at all clear how you raise private savings to close the other kind of gap.· In fact this is an empirical issue - are taxes paid out of private savings or current consumption?· They agreed that countries with fiscal and current-account deficits should reduce budget deficits and increase private savings.
· Now there are savings and investment schemes which allow you either to put in a lump sum or tuck away regular savings.· Remember to indicate whether you wish to save by lump sum, regular or monthly savings.· Or £50 a month through a regular monthly savings scheme.· Isa contributions meanwhile are a minimum £3,000 lump sum, or £100 a month through the regular savings facility.· Indeed, many trusts encourage regular saving through fixed monthly contributions.· And for regular savings we can easily set up a standing order.· Any regular savings and loan repayments such as hire purchase or personal loans also belong here.
· This may offer significant tax savings.· Such huge concentrations of animals offer the potential for significant cost savings through more efficient operations than are possible on smaller farms.· There will be a maximum payment of 12,500 euros, meaning significant savings on the more expensive works of art.· While 85 % of respondents claimed significant cost savings, 60 % reported considerable time savings.· Both companies have compatible fleets, generating significant savings in maintenance, fuel buying, catering and other in-flight services.· Purchasing patents would make significant savings on initial research costs and adapting or improving known techniques would increase the speed of development.· The sharply curved Beira Alta line to Guarda is seen as a likely route where tilt can offer significant journey time savings.
· Tribology technologies are ready for application, and can account for substantial savings to industry.· Since Gadfly readers know his fondness for public transport perhaps there will be a substantial saving when it happens.· Borrowers with standard variable rate mortgages could make substantial savings by remortgaging their properties, mortgage experts say.· Often substantial energy savings are achieved by recycling waste materials.· Regular theatre-goers can make substantial savings by buying a Saver Ticket.· This has already resulted in substantial savings in our construction costs, selling expenses and overheads.· Apart from bestowing long overdue financial independence on married women, the changes also offer couples the chance of substantial tax savings.
NOUN· A building society savings account may be held with a second competitor and an insurance policy with a third.· But if you stash 90 % of your money in a savings account, your overall results will almost inevitably be mediocre.· In 1999 it was the introduction of new individual savings accounts.· Two provisions were added by the House: medical malpractice reforms and medical savings accounts.· Alternatively, you could opt for another interest-only mortgage backed by an individual savings account.· Interest rates paid on checking and passbook savings accounts failed to keep pace with inflation.
· Forbes would not tax income from stocks, bank savings or the sale of property, though Gramm and some others would.
· The benefits of cost savings, greater efficiency and synergy are being realised.· We solved the problems for manufacturing, and we also found some cost savings that we could pass along to our customers.· The major hard cost saving comes from reduced labour costs through increased productivity.· Marketing management must continually reappraise its channels of distribution in an attempt to effect cost savings.· Such huge concentrations of animals offer the potential for significant cost savings through more efficient operations than are possible on smaller farms.· With the closure of a further five mills in the first half of the current year major cost savings will be realised.· In addition, with transaction volume growing steadily, banks discovered that ATMs resulted in real cost savings.
· The problem is that short-term falls in the price of energy can decrease the pace of investment in long-term energy savings.· The houses have been built to incorporate as many energy saving features as possible.· It is responsible for the care of council-owned buildings, including areas such as energy saving and the use of environmentally friendly materials.· Stauffer has discussed this energy saving option in some detail, and Table 4 estimates the potential of recycling.· Pilkington, whose energy saving glass is projected to be worth more than £100 million a year by the late 1990s.· Saving energy Labour will give top priority to energy saving rather than energy sales.· March 18-21, June 24-27, Birmingham. Energy saving is an essential issue for every kind of organisation.· Often substantial energy savings are achieved by recycling waste materials.
· The couple, in their mid-70s, lost their life savings of £65,000 and had to sell their home.· The president and Congress robbed me of my income, and my life savings and my fund for my daughters' education.· Read in studio A great-grandmother has lost her life savings after masked robbers tied her up and ransacked her home.· So in the early 1980s, with her life savings of $ 3, 000, she arrived in the Big Apple.· At eighteen thousand pounds it cost them their combined life savings.· Or if you couldn't be bothered, you haven't blown your life savings.· Two of us have watched husbands lose jobs and life savings in the process.
· We have worked out how badly smokers lose out by not diverting their cigs cash into a savings plan.· Check to see what if any savings plans are offered.· Labour funds are eligible for registered retirement savings plans, which could translate into even more tax savings.· Marketing departments know that if they attach this description to a savings plan, most of us will be bowled over.· The next stage is a policy profile, which will itemise savings plans, life-cover policies and pension schemes.
· Some have taken advantage of the Tessa trap to lower savings rates.· The results can be seen in savings rates.· Other policies that influence savings rates or redistribute income from capital to labour will in general change.· The personal savings rate has already started to bounce back, and is sure to rise further this year.· Egg hopes by selling funds it can offset the costs of luring customers with unprofitable savings rates.· Why does our savings rate trail others?
· Labour funds are eligible for registered retirement savings plans, which could translate into even more tax savings.· You can nearly triple your retirement savings by buying 15-year zero-coupon Treasury bonds.· They need to ensure that they have some kind of retirement savings scheme in place.· Also, if you become totally and permanently disabled, you can tap your retirement savings at any age without penalty.· So she began studying, reading on the subject and putting more money into her retirement savings.· For three years, Kevin Furr watched his retirement savings go next to nowhere in a mutual fund.· Make retirement savings automatic by having percent of earnings deducted directly from your paycheck.· Then, raise to the maximum the sum you contribute to retirement savings.
· Most offer monthly contribution savings schemes.· Furthermore, many trusts now enable people to invest regularly either through savings schemes or lump sums.· These funds hold a selection of shares and most offer savings schemes where you can contribute from £25 a month.· When you sign up for a savings scheme check the clauses for giving notice.· If class members want to operate a savings scheme for the Festival and Week-end Course, please encourage them.· Many trusts offer savings schemes which let you invest small sums, £25 to £30 a month, on a regular basis.· Unit trust savings schemes had been running for 20 years, but investment trust savings schemes did not start until 1984.
· This may offer significant tax savings.· The next obstacle is just as tough: the $ 24 billion annual tax savings for charitable contributions.· Together, that amounts to an annual tax saving of up to £1,000, compared to cars in a higher tax bracket.· At that level the promised tax savings disappear for most families.· Labour funds are eligible for registered retirement savings plans, which could translate into even more tax savings.· The tax savings available through qualified retirement plans are not unlimited.· If the service company were allowed to generate profit of £35,000 then the 15% tax saving would be approximately £5,250.· This may produce valuable tax savings for sophisticated groups.
· The lawyer's time will add to costs and is unlikely to result in time savings at a later stage.· A report by development services director Stephen Tapper says bus lanes produce considerable time savings by allowing public transport unrestricted access.· While 85 % of respondents claimed significant cost savings, 60 % reported considerable time savings.· What had begun as a time saving essential has now become my hobby.· The acetylcholine sweat spot test is an easy, inexpensive, time saving test for detecting autonomic neuropathy.· Significant time savings by any catering standards.· Because time costs money, any time saving device like a computer system obviously cuts costs.· The sharply curved Beira Alta line to Guarda is seen as a likely route where tilt can offer significant journey time savings.
VERB· Over time the stock market remains the best place to achieve your savings goals.· Finally, the Government's proposals to achieve savings by cutting public sector pay are mean and cowardly.· Though banks have proved inept at merging, big ones in the same market should be able to achieve 30% cost savings.
· Furthermore, many trusts now enable people to invest regularly either through savings schemes or lump sums.· However, it is worthwhile to invest savings when they accumulate to a certain sum.· He had to invest all his savings in this nursery 3 years ago and still it only just makes a profit.· Great care is needed when choosing the organisation to invest your pension savings.· Outwardly he was the respectable accountant advising people how best to invest their life savings.· They are generally high net worth individuals willing to invest their own savings in small businesses.· Some were pensioners investing their life savings.
· To make matter worse, the Salomon Brothers credit committee was growing reluctant to deal with the collapsing savings and loans industry.
· A variety of difficulties were foreseen about the ability of fundholders to continue making savings.· Reengineering is the systematic work-redesign process that helps organizations make similar savings in time and money, while enhancing quality.· These systems will also make considerable savings in staff time if used by appropriate Garden staff as project design and scheduling aids.· They were loans made by savings banks that were never supposed to leave the savings banks.· The Council has to make savings on its budget of nearly £10 million to meet Government targets.· The taxing of consumption does make current saving more attractive.· A Barclays Deposit Account is designed to make savings simple, convenient and safe.· This may make any savings you anticipate by remortgaging immaterial in the long run.
· Most offer monthly contribution savings schemes.· Vons first offered a savings card 10 years ago.· This may offer significant tax savings.· Visa is also offering savings for its members at numerous eastern and western ski areas.· All books are offered at savings of up to 40% off the publishers' prices.· Coupons generally offer the best savings when used for coast-to-coast or other long-distance domestic flights.· As banks charge a higher rate of interest on borrowings than they offer on savings, you will be better off.· Spa offers savings of up to $ 700.
· They pass on the saving to you.· It will pass those savings on to Praxair.· By keeping inventories down, direct sellers can immediately pass on the savings when component prices fall.
· Who will bear responsibility for paying every penny of savings gained by top people?· I pay what bills her savings and small income do not cover.· You would only be charged interest on £95,000 but must sacrifice any interest paid on your savings account.· High rates paid by online savings accounts have a straight forward appeal to the mass market.
· A report by development services director Stephen Tapper says bus lanes produce considerable time savings by allowing public transport unrestricted access.· But the reform is expected to produce major savings in the years ahead.· Use of a captive can produce cost savings and cash flow advantages for groups.· Wider, or compulsory, recourse to relay languages would, Elles said, require fewer interpreters and therefore produce savings.· This has produced savings to date of £24m of which £13m related to manpower.· This may produce valuable tax savings for sophisticated groups.
· The lawyer's time will add to costs and is unlikely to result in time savings at a later stage.· The restructuring is expected to result in future annual savings of about $ 16 million.· But increased short-term costs should result in overall savings in the longer term.· In addition, with transaction volume growing steadily, banks discovered that ATMs resulted in real cost savings.· This combination of premium reductions could result in a maximum saving of up to 35%.· Sears said the moves will result in annual savings of 8 million, beginning in 1997.· General practitioners need assurance that control of expenditure will result in the savings being retained in local health care.· Primary taxes were too far above that limit to result in a savings.
· Examine whether you are spending - and saving - your money wisely.· Fund-holders can spend any budget savings on things such as new equipment, extra rooms and extra staff.· Their problem was spending rather than saving.· It would be odd indeed if they did not celebrate by spending more and saving less.· Huge queues formed outside shops as people tried to spend all their savings before they were devalued.· They spent their entire life savings to be there with their old Allard.· But before you rush off and spend your savings on a weaver or crib biter, think ahead.
WORD FAMILYnounsavesaversavingsavingssaviour/saviorverbsave
1savings [plural] all the money that you have saved, especially in a bank: Buying a house had taken all their savings.2[countable] an amount of money that you have not spent, or an amount of something that you have not used: The new engines will lead to savings in fuel.saving of This represents a saving of £60,000. All small companies will need to make savings if they are to survive.3[uncountable] when you save money rather than spend it → save1(2)