noun
COLLOCATIONS FROM OTHER ENTRIES
a savings bank (=a bank that accepts your savings and provides mortgages)
daylight saving time
dip into...savings
▪ Medical bills forced her to dip into her savings.
efficiency savings (=money saved by being more efficient)
▪ 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
▪ 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.
big
▪ 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.
considerable
▪ 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.
financial
▪ 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.
great
▪ 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.
high
▪ 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.
individual
▪ 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.
large
▪ 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.
major
▪ 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.
medical
▪ 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.
personal
▪ 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.
potential
▪ 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.
private
▪ 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.
regular
▪ 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.
significant
▪ 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.
substantial
▪ 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
account
▪ 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.
bank
▪ Forbes would not tax income from stocks, bank savings or the sale of property, though Gramm and some others would.
cost
▪ 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.
energy
▪ 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.
life
▪ 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.
plan
▪ 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.
rate
▪ 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?
retirement
▪ 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.
scheme
▪ 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.
tax
▪ 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.
time
▪ 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
achieve
▪ 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.
invest
▪ 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.
loan
▪ To make matter worse, the Salomon Brothers credit committee was growing reluctant to deal with the collapsing savings and loans industry.
make
▪ 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.
offer
▪ 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.
pass
▪ 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.
pay
▪ 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.
produce
▪ 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.
result
▪ 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.
spend
▪ 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.
PHRASES FROM OTHER ENTRIES
saving grace
▪ 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 movie's only saving grace was its dazzling special effects.
▪ His only saving grace is his undying belief in the melodramatic.
▪ I think he was my saving grace.
▪ That was their saving grace, the only good thing about them.
▪ The only saving grace was that the number Quinn had dictated down the line to Zack was still on the Kensington exchange.
▪ The only saving grace was that there were no injuries except my pride.
▪ Their only saving grace is that they probably were an impetus towards social reform.
▪ There was one saving grace about sleeping in: traffic would be pretty light at this hour.
▪ Yet if the current scientific consensus is correct, it has to be, and that may be its saving grace.
EXAMPLES FROM OTHER ENTRIES
▪ The sale price of $599 represents a saving of $100 off the regular price.
EXAMPLES FROM CORPUS
▪ 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!