noun
COLLOCATIONS FROM OTHER ENTRIES
a savings bank (= a bank that accepts your savings and provides mortgages )
daylight saving time
dip into...savings
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Medical bills forced her to dip into her savings .
efficiency savings (= money saved by being more efficient )
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Efficiency savings in the industry will inevitably lead to job losses.
savings account
savings and loan association
savings bank
savings bond
COLLOCATIONS FROM CORPUS
■ ADJECTIVE
annual
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The consultants estimated that the annual savings could range up to £192 million.
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The next obstacle is just as tough: the $ 24 billion annual tax savings for charitable contributions.
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Together, that amounts to an annual tax saving of up to £1,000, compared to cars in a higher tax bracket.
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This ensured the future of its annual life saving patrols that take place each summer.
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The restructuring is expected to result in future annual savings of about $ 16 million.
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Sears said the moves will result in annual savings of 8 million, beginning in 1997.
big
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The bigger the car the bigger the saving .
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This would represent the highest percentage cut of any area, and the biggest savings per position, Sheth says.
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Earlier settlements mean lower costs for the claimant's solicitor and big savings on experts' fees and other disbursements.
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The biggest savings from any one program will come from the Medicare health care program for the old and disabled.
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Some consumers will make big savings in a change to metering.
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The big savings that are needed will have to be sought elsewhere - by finding tasks the state should abandon.
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The biggest savings , therefore, will come from asking which existing weapons are still needed, at least in their present numbers.
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This will be a big saving on our cash resources.
considerable
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These systems will also make considerable savings in staff time if used by appropriate Garden staff as project design and scheduling aids.
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A report by development services director Stephen Tapper says bus lanes produce considerable time savings by allowing public transport unrestricted access.
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While 85 % of respondents claimed significant cost savings , 60 % reported considerable time savings.
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This would mean considerable cost savings for the smaller teams and help them survive during a difficult economic period.
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There were considerable savings both on the capital cost of power stations and on their operating costs.
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However, small, non-mechanical parts are fair game and might show considerable savings .
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Our pricing system means rates quoted are for two sharing a cabin but when three travel together considerable savings are available.
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Composite technology, suitably developed for mass production, might offer considerable savings on this investment.
financial
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A strike of limited duration can improve a firm's financial position by saving on wages.
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This service includes a full report with recommendations for immediate financial savings .
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The long-term financial savings generated by the cuts were expected to be modest.
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Further financial savings would be fatal to services at the Memorial.
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Although most of the proposed changes in means-tested forms of support were confirmed the review would now realize only marginal financial savings .
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Safety equipment contributes directly to efficiency and productivity and indirectly to financial savings from a reduction in accidents.
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Delegalization offers the promise of financial savings , even if the divorce rate remains high.
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If they were, a violation may prompt suspicions of deliberate wrong-doing in the interest of financial saving .
great
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I suspect that even now there is the potential for greater savings .
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And it is not just those with larger loans who can make great savings .
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What my right hon. Friend said makes it clear that there will not be a great saving to the Ministry of Defence.
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Such indices should indicate those stages where the use of robotic-techniques would offer the greatest potential savings and improvements in productivity.
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In both instances earlier discovery might obviously give rise to great savings in costs.
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This means great savings for you and your family - so there is more to spend on really enjoying your holiday.
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You can make even greater savings for your family using one or more separate Daily Mirror vouchers.
high
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The economic significance of this division was that it made possible a very high rate of saving .
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In addition, with more domestic production and higher prices business savings rise.
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Because borrowing has become easier, and because confidence has been high , personal savings have been falling around the developed world.
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Eventually, the economy comes back into balance with a higher savings ratio and a lower trade deficit.
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Men had higher incomes and savings than women.
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They had low and declining inflation, several consecutive years of budget surpluses and high domestic savings ratios.
individual
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We will encourage individual savings by giving tax relief on all income paid into new Registered Savings Accounts.
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Allowing tax-free individual retirement account savings plans for families with incomes lower than $ 100, 000.
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In 1999 it was the introduction of new individual savings accounts.
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Alternatively, you could opt for another interest-only mortgage backed by an individual savings account.
large
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There, the capitalist class had the larger savings propensity, and a transfer to wage-earners reduced the rate of accumulation.
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Other large savings come from cutting payments to hospitals and managed-care plans.
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This little difference adds up to a large saving .
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It is one of the few federal programs from which large budget savings are potentially available.
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Natural gas provides a viable alternative to petrol and diesel, offering a large cost saving per gallon.
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But the operation lasted less time than thought and generated large savings for Nuclear Electric.
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I did not believe that there were large savings to be made simply from reducing the size of the rail network.
major
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The major hard cost saving comes from reduced labour costs through increased productivity.
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But the reform is expected to produce major savings in the years ahead.
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With the closure of a further five mills in the first half of the current year major cost savings will be realised.
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Nevertheless, the Treasury were going to take some convincing that major savings in public spending were impossible.
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Lineside signals will no longer be needed, with major savings in staffing and maintenance costs expected.
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Nuclear power Despite the major savings that can be made through relatively simple actions, the government largely ignores the possibilities.
medical
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Two provisions were added by the House: medical malpractice reforms and medical savings accounts.
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Of the three provisions, the one causing the greatest partisan and ideological wrangling is medical savings accounts, known as MSAs.
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Thirteen states are trying something similar to the medical savings accounts, he said.
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Here are the arguments made by supporters and opponents of medical savings accounts, commonly called MSAs.
personal
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Because borrowing has become easier, and because confidence has been high, personal savings have been falling around the developed world.
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In setting the final rates of conversion, a distinction was made between graduated levels of personal savings and assets and liabilities.
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Pension contributions of employers and employees fell from around 42% to about 30% of total personal savings over the same period.
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The essence of personal pensions was that it extended choice and encouraged personal saving .
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Real incomes and personal savings were rising along with increased industrial output and business dividends.
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The personal savings rate has already started to bounce back, and is sure to rise further this year.
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Some of the money was raised in the form of war bonds, and personal savings in general rose enormously.
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The key lies in those personal savings .
potential
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I suspect that even now there is the potential for greater savings .
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So where are the potential savings ?
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Despite that inconvenience, the potential savings offering by NuTcracker, should it prove viable, is not insignificant.
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The potential saving compared to paying for a childminder can be considerable; more so for a nanny.
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For example, do households living in well-insulated accommodation balance out potential savings by maintaining higher temperatures?
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Such indices should indicate those stages where the use of robotic-techniques would offer the greatest potential savings and improvements in productivity.
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Several voices were raised on the potential for savings in social security but no decision was taken.
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Typical potential savings have been 5% on debtor levels, 2% on energy costs and 25% on payroll preparation.
private
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It is, he argues, not at all clear how you raise private savings to close the other kind of gap.
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In fact this is an empirical issue - are taxes paid out of private savings or current consumption?
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They agreed that countries with fiscal and current-account deficits should reduce budget deficits and increase private savings .
regular
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Now there are savings and investment schemes which allow you either to put in a lump sum or tuck away regular savings.
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Remember to indicate whether you wish to save by lump sum, regular or monthly savings .
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Or £50 a month through a regular monthly savings scheme.
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Isa contributions meanwhile are a minimum £3,000 lump sum, or £100 a month through the regular savings facility.
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Indeed, many trusts encourage regular saving through fixed monthly contributions.
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And for regular savings we can easily set up a standing order.
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Any regular savings and loan repayments such as hire purchase or personal loans also belong here.
significant
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This may offer significant tax savings .
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Such huge concentrations of animals offer the potential for significant cost savings through more efficient operations than are possible on smaller farms.
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There will be a maximum payment of 12,500 euros, meaning significant savings on the more expensive works of art.
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While 85 % of respondents claimed significant cost savings , 60 % reported considerable time savings.
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Both companies have compatible fleets, generating significant savings in maintenance, fuel buying, catering and other in-flight services.
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Purchasing patents would make significant savings on initial research costs and adapting or improving known techniques would increase the speed of development.
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The sharply curved Beira Alta line to Guarda is seen as a likely route where tilt can offer significant journey time savings .
substantial
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Tribology technologies are ready for application, and can account for substantial savings to industry.
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Since Gadfly readers know his fondness for public transport perhaps there will be a substantial saving when it happens.
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Borrowers with standard variable rate mortgages could make substantial savings by remortgaging their properties, mortgage experts say.
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Often substantial energy savings are achieved by recycling waste materials.
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Regular theatre-goers can make substantial savings by buying a Saver Ticket.
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This has already resulted in substantial savings in our construction costs, selling expenses and overheads.
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Apart from bestowing long overdue financial independence on married women, the changes also offer couples the chance of substantial tax savings .
■ NOUN
account
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A building society savings account may be held with a second competitor and an insurance policy with a third.
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But if you stash 90 % of your money in a savings account , your overall results will almost inevitably be mediocre.
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In 1999 it was the introduction of new individual savings accounts .
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Two provisions were added by the House: medical malpractice reforms and medical savings accounts .
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Alternatively, you could opt for another interest-only mortgage backed by an individual savings account .
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Interest rates paid on checking and passbook savings accounts failed to keep pace with inflation.
bank
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Forbes would not tax income from stocks, bank savings or the sale of property, though Gramm and some others would.
cost
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The benefits of cost savings , greater efficiency and synergy are being realised.
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We solved the problems for manufacturing, and we also found some cost savings that we could pass along to our customers.
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The major hard cost saving comes from reduced labour costs through increased productivity.
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Marketing management must continually reappraise its channels of distribution in an attempt to effect cost savings .
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Such huge concentrations of animals offer the potential for significant cost savings through more efficient operations than are possible on smaller farms.
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With the closure of a further five mills in the first half of the current year major cost savings will be realised.
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In addition, with transaction volume growing steadily, banks discovered that ATMs resulted in real cost savings .
energy
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The problem is that short-term falls in the price of energy can decrease the pace of investment in long-term energy savings .
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The houses have been built to incorporate as many energy saving features as possible.
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It is responsible for the care of council-owned buildings, including areas such as energy saving and the use of environmentally friendly materials.
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Stauffer has discussed this energy saving option in some detail, and Table 4 estimates the potential of recycling.
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Pilkington, whose energy saving glass is projected to be worth more than £100 million a year by the late 1990s.
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Saving energy Labour will give top priority to energy saving rather than energy sales.
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March 18-21, June 24-27, Birmingham. Energy saving is an essential issue for every kind of organisation.
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Often substantial energy savings are achieved by recycling waste materials.
life
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The couple, in their mid-70s, lost their life savings of £65,000 and had to sell their home.
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The president and Congress robbed me of my income, and my life savings and my fund for my daughters' education.
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Read in studio A great-grandmother has lost her life savings after masked robbers tied her up and ransacked her home.
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So in the early 1980s, with her life savings of $ 3, 000, she arrived in the Big Apple.
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At eighteen thousand pounds it cost them their combined life savings .
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Or if you couldn't be bothered, you haven't blown your life savings .
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Two of us have watched husbands lose jobs and life savings in the process.
plan
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We have worked out how badly smokers lose out by not diverting their cigs cash into a savings plan .
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Check to see what if any savings plans are offered.
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Labour funds are eligible for registered retirement savings plans , which could translate into even more tax savings.
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Marketing departments know that if they attach this description to a savings plan , most of us will be bowled over.
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The next stage is a policy profile, which will itemise savings plans , life-cover policies and pension schemes.
rate
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Some have taken advantage of the Tessa trap to lower savings rates .
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The results can be seen in savings rates .
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Other policies that influence savings rates or redistribute income from capital to labour will in general change.
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The personal savings rate has already started to bounce back, and is sure to rise further this year.
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Egg hopes by selling funds it can offset the costs of luring customers with unprofitable savings rates .
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Why does our savings rate trail others?
retirement
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Labour funds are eligible for registered retirement savings plans, which could translate into even more tax savings.
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You can nearly triple your retirement savings by buying 15-year zero-coupon Treasury bonds.
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They need to ensure that they have some kind of retirement savings scheme in place.
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Also, if you become totally and permanently disabled, you can tap your retirement savings at any age without penalty.
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So she began studying, reading on the subject and putting more money into her retirement savings .
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For three years, Kevin Furr watched his retirement savings go next to nowhere in a mutual fund.
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Make retirement savings automatic by having percent of earnings deducted directly from your paycheck.
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Then, raise to the maximum the sum you contribute to retirement savings .
scheme
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Most offer monthly contribution savings schemes .
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Furthermore, many trusts now enable people to invest regularly either through savings schemes or lump sums.
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These funds hold a selection of shares and most offer savings schemes where you can contribute from £25 a month.
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When you sign up for a savings scheme check the clauses for giving notice.
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If class members want to operate a savings scheme for the Festival and Week-end Course, please encourage them.
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Many trusts offer savings schemes which let you invest small sums, £25 to £30 a month, on a regular basis.
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Unit trust savings schemes had been running for 20 years, but investment trust savings schemes did not start until 1984.
tax
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This may offer significant tax savings .
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The next obstacle is just as tough: the $ 24 billion annual tax savings for charitable contributions.
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Together, that amounts to an annual tax saving of up to £1,000, compared to cars in a higher tax bracket.
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At that level the promised tax savings disappear for most families.
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Labour funds are eligible for registered retirement savings plans, which could translate into even more tax savings.
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The tax savings available through qualified retirement plans are not unlimited.
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If the service company were allowed to generate profit of £35,000 then the 15% tax saving would be approximately £5,250.
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This may produce valuable tax savings for sophisticated groups.
time
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The lawyer's time will add to costs and is unlikely to result in time savings at a later stage.
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A report by development services director Stephen Tapper says bus lanes produce considerable time savings by allowing public transport unrestricted access.
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While 85 % of respondents claimed significant cost savings , 60 % reported considerable time savings.
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What had begun as a time saving essential has now become my hobby.
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The acetylcholine sweat spot test is an easy, inexpensive, time saving test for detecting autonomic neuropathy.
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Significant time savings by any catering standards.
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Because time costs money, any time saving device like a computer system obviously cuts costs.
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The sharply curved Beira Alta line to Guarda is seen as a likely route where tilt can offer significant journey time savings .
■ VERB
achieve
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Over time the stock market remains the best place to achieve your savings goals.
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Finally, the Government's proposals to achieve savings by cutting public sector pay are mean and cowardly.
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Though banks have proved inept at merging, big ones in the same market should be able to achieve 30% cost savings .
invest
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Furthermore, many trusts now enable people to invest regularly either through savings schemes or lump sums.
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However, it is worthwhile to invest savings when they accumulate to a certain sum.
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He had to invest all his savings in this nursery 3 years ago and still it only just makes a profit.
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Great care is needed when choosing the organisation to invest your pension savings .
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Outwardly he was the respectable accountant advising people how best to invest their life savings .
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They are generally high net worth individuals willing to invest their own savings in small businesses.
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Some were pensioners investing their life savings .
loan
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To make matter worse, the Salomon Brothers credit committee was growing reluctant to deal with the collapsing savings and loans industry.
make
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A variety of difficulties were foreseen about the ability of fundholders to continue making savings .
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Reengineering is the systematic work-redesign process that helps organizations make similar savings in time and money, while enhancing quality.
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These systems will also make considerable savings in staff time if used by appropriate Garden staff as project design and scheduling aids.
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They were loans made by savings banks that were never supposed to leave the savings banks.
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The Council has to make savings on its budget of nearly £10 million to meet Government targets.
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The taxing of consumption does make current saving more attractive.
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A Barclays Deposit Account is designed to make savings simple, convenient and safe.
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This may make any savings you anticipate by remortgaging immaterial in the long run.
offer
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Most offer monthly contribution savings schemes.
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Vons first offered a savings card 10 years ago.
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This may offer significant tax savings .
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Visa is also offering savings for its members at numerous eastern and western ski areas.
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All books are offered at savings of up to 40% off the publishers' prices.
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Coupons generally offer the best savings when used for coast-to-coast or other long-distance domestic flights.
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As banks charge a higher rate of interest on borrowings than they offer on savings , you will be better off.
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Spa offers savings of up to $ 700.
pass
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They pass on the saving to you.
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It will pass those savings on to Praxair.
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By keeping inventories down, direct sellers can immediately pass on the savings when component prices fall.
pay
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Who will bear responsibility for paying every penny of savings gained by top people?
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I pay what bills her savings and small income do not cover.
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You would only be charged interest on £95,000 but must sacrifice any interest paid on your savings account.
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High rates paid by online savings accounts have a straight forward appeal to the mass market.
produce
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A report by development services director Stephen Tapper says bus lanes produce considerable time savings by allowing public transport unrestricted access.
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But the reform is expected to produce major savings in the years ahead.
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Use of a captive can produce cost savings and cash flow advantages for groups.
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Wider, or compulsory, recourse to relay languages would, Elles said, require fewer interpreters and therefore produce savings .
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This has produced savings to date of £24m of which £13m related to manpower.
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This may produce valuable tax savings for sophisticated groups.
result
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The lawyer's time will add to costs and is unlikely to result in time savings at a later stage.
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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 .
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This combination of premium reductions could result in a maximum saving of up to 35%.
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Sears said the moves will result in annual savings of 8 million, beginning in 1997.
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General practitioners need assurance that control of expenditure will result in the savings being retained in local health care.
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Primary taxes were too far above that limit to result in a savings .
spend
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Examine whether you are spending - and saving - your money wisely.
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Fund-holders can spend any budget savings on things such as new equipment, extra rooms and extra staff.
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Their problem was spending rather than saving .
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It would be odd indeed if they did not celebrate by spending more and saving less.
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Huge queues formed outside shops as people tried to spend all their savings before they were devalued.
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They spent their entire life savings to be there with their old Allard.
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But before you rush off and spend your savings on a weaver or crib biter, think ahead.
PHRASES FROM OTHER ENTRIES
saving grace
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I can't really play baseball. My one saving grace is that I can pitch.
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I hate this house. Its only saving grace is that it's near the centre of town.
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The movie's only saving grace was its dazzling special effects.
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His only saving grace is his undying belief in the melodramatic.
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I think he was my saving grace.
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That was their saving grace, the only good thing about them.
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The only saving grace was that the number Quinn had dictated down the line to Zack was still on the Kensington exchange.
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The only saving grace was that there were no injuries except my pride.
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Their only saving grace is that they probably were an impetus towards social reform.
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There was one saving grace about sleeping in: traffic would be pretty light at this hour.
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Yet if the current scientific consensus is correct, it has to be, and that may be its saving grace.
EXAMPLES FROM OTHER ENTRIES
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The sale price of $599 represents a saving of $100 off the regular price.
EXAMPLES FROM CORPUS
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It wants to see savings of £300,000.
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This will represent a saving of £10 for those members who opted for this extension in the past.
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Under his original proposal, much of the savings would have gone to the wealthy.
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Use of a captive can produce cost savings and cash flow advantages for groups.
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What a saving of money and energy this might represent in a person's life!