saver

It is not only a matter of how much is protected, of course, but also of how quickly and easily the savers would get it back.

Age-morphing isn't the only technique that can enable savers to feel as if the future is now.

As the central bank has tightened monetary policy, this has made it harder for the bank to win the business of ordinary savers.

As it may be politically infeasible to continue to expect savers to bear all the investment risk, some benefits may have to be guaranteed.

Savers who could not get their money out of banks before its forced conversion would not be happy to be paid in a devalued currency.

One answer is that the desire to set aside money may be so strong that savers do not require high prospective returns.

Japanese savers will be selling bonds in retirement -- and there aren't enough younger workers to save enough to pick up the slack.

The second question is how much money banks can make if they are having to compete so hard to entice savers.

If we all end up trying to be savers, the global economy will tilt more heavily towards protectionism and recession.

Savers deposit funds that might be quickly required in banks. The latter effectively create the money they lend out.

At the heart of their argument is the belief in a grubby bargain between Asian savers and American consumers.

Because, he said, much of the debt is held domestically, and Japanese households are big savers.

Interest rates have not been raised but savers are acting as if they have been.

If it is offset by private outflows, China simply substitutes for financing that could have been provided by European savers.

They are not allowed to put posters on their walls, so their current interests are evinced by their screen savers.

With inflation beginning to pick up, savers are likely to face the prospect of negative real interest rates again.

There's always been this myth that we were a nation of savers who got misled.

Many savers now prefer a claim on gold in a vault to one on cash in the bank.

Reducing transaction costs enough to make it feasible to cater to very small savers is difficult.

and that the fiscal boost in the US and elsewhere can only offer the surplus savers some temporary relief.

That would deepen China's financial markets, increase economic efficiency and give savers somewhere to put their cash.

That would be fairer to savers; setting a limit might also encourage insurers to develop products that would cover individuals' liabilities.

Higher reserve requirements and loan quotas constrain their ability to lend at a time when savers are piling into deposits.

FOR American and European savers it has been a lost decade.

That's good news for the U. S. Treasury (and deficit spenders in Congress), probably not such good news for Chinese workers and savers.

The money flooding in from willing foreign savers had bid up government-bond prices, lowering interest rates and lifting house prices.

JAPANESE households used to be among the world's biggest savers and, as a result, the country ran amassive trade surplus. But no longer.

A survey of British savers by Aegon, an insurance company, found that few understood the concept of tax relief.

Ideally savers will not take advantage of that option.

People in these countries are big savers and if some of these savings keep moving into gold, it'll provide a very strong boost.

Despite the recent increase, the world's fastest-growing economy pays savers one of the world's lowest rates of interest.

Most of it is funded through domestic, not foreign, debt and controls on capital outflows ensure that domestic savers buy government bonds.

Even in economies short of good investment projects, a sturdier channel connecting domestic savers and borrowers will help growth.

Few Americans appreciate that the prosperous economies of western and northern Europe are among the world's greatest savers.

For decades, retail savers have invested in stocks via mutual funds that are actively managed to try to beat an index.

For most of the last decade America was a nation of borrowers and spenders, not savers.

If capital can be transferred direct from savers who create it to businesses that need it, then both can gain from eliminating this cost.

Only a third of the college savers used a tax-advantaged savings account like a 529 plan or Coverdell account.

The recession, having hit high street banks (and savers' accounts), has also had an impact on the new edition of the dictionary.

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As employers were no longer guaranteeing them a proportion of their final salary on retirement. Savers' money went heavily into equities.

People with a little money invested such as savers and fixed income investors have had their income cut in half.

It is home to the Seed Savers Exchange, one of the largest nongovernment-owned seed banks in the United States.

In addition , savers should not pay a disproportionate share of the cost of this recession .

Cheap credit continues to be lavished on state-linked firms while hurting savers, private firms, and employment growth.

Savers take note: Your money-market fund is no longer insured by the US Treasury.

Savers need to have more than "the long run" to protect them from the volatility of stock markets.

For the moment, however, the savers outnumber the spenders.

Savers may complain but interest rates ought to be low where there is an excess of savings and spending is weak.

Thus the saying, "Safe as money in the bank. " But the fact is that savers are the biggest losers of all.

Savers may initially be shielded from the full impact of those reductions, because commercial banks are competing for retail deposits.

Lower interest rates increase the disposable income of debtors, by cutting their repayments, even as they eat into savers' cashflow .

But in Europe banks are the ones now facing scrutiny before investors, companies and savers will lend them any cash.

This small savers' account is tax free, requires only a tiny minimum balance, and commonly pays above-market interest rates.

The price is ultimately borne by savers by way of government-directed, artificially-low deposit rates, as Pettis frequently points out.

And with cash parked in bank accounts earning little interest, savers are hungry for higher returns.

then the effect on the after-tax purchasing power of savers after two to three years, may be as big as the Cypriot levy.

The growth of internet banking, credit cards and an array of investment products for savers reflects intensifying competition.

The effects of past monetary growth, which is now turning into inflation, can be offset by selling SOE shares to savers.

The rally has been driven by powerful foreign liquidity and a resurgent participation in equities by small savers.

Japan's savers might be willing, but amid crisis it's not clear that they'll be as able.

But deposit spreads should widen as rates rise, because banks can delay passing on some of the extra interest to savers.

But with China's restricted capital account, savers are mostly confined to a domestic-only palette of alternatives.

Savers took a real, inflation-adjusted loss, which corresponded to an improvement in the government's balance-sheet.

Its funding base is the envy of the industry: a loan-to-deposit ratio of just 84% reflects its status as a magnet for savers seeking safety.

But as long as three prerequisites are satisfied, that investor is among the most prudent savers around.

But the euro's arrival dented savers' home bias and deprived Portugal of its own central bank.

Today's cut is the sixth time that UK borrowing costs have fallen since October, when rates were still 5%, and is another blow for savers.

Financial intermediaries are financial institutions through which savers can indirectly provide funds to borrowers.

The structural surplus savers face a more difficult problem, for the US is moving into private sector surplus.

Financial markets are the institutions through which savers can directly provide funds to borrowers.

And savers may finally get a decent rate of interest on their investments.

The Italians, unlike the Greeks, are born savers, and much of the Italian debt is owned by the Italians.

Plunging bank stocks can unnerve policy makers, because banks serve as a crucial link between savers and borrowers.

Household savers must monitor the actions of firms in a timely and complete fashion after purchasing securities.

Big deficits in one country might make it harder for others to compete for funds from savers, driving up interest rates for all.

When the savers want their money back they put their shares in the company back on the market.

Indeed, continental European savers' appetite for equities never recovered from the bursting of the dotcom bubble.

Many Chinese workers should be enjoying wage increases and savers will be pleased to get a higher return.

The huge accumulation of reserves has provided no protection against the crash in world trade that has savaged the high savers' exports.

Inflation in the United States is very low by historical standards, but interest rates are so paltry that savers are losing money anyway.

The never-in-debt savers are usually better off than the spendthrifts who are always in debt beyond their capacity to pay.

Consumer champions see this measure as more evidence that savers and taxpayers are bearing the burden of the banks' excesses.

Will central banks treat high commodity prices as a blip, and leave real interest rates low, penalising savers?

You could say modern China has been built on the backs of its savers.

Central governments established accessible postal savings banks, whereby small savers could bank at any post office.

Picking the pockets of investors and savers is a historically validated manoeuvre to rebalance sovereign balance sheets.

Supermarket shelves were ransacked, prices shot up amid rumour of shortages and savers queued outside banks to withdraw their deposits.

If you can understand that debt can be good, and carefully learn to use debt as leverage, you will gain an advantage over most savers.

Provided the next generation is larger than the one that preceded it, the savers can sell their assets at higher prices.

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As for the low interest rates and limited choices facing savers, China's financial system remains highly repressed.

That would reduce the transfer of wealth from savers to well-connected corporations, which enjoy cheap credit.

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The number of retirees (who run down their portfolios) was rising relative to the number of savers.

capital implicitly by a repressed banking system that remunerates savers poorly.

Our Savings Bond program offers our highest rate of interest for long-term savers.

European savers are increasingly refusing to provide financing, so any new source of funding is seen as a godsend.

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With nominal interest rates offered by the banks very low, and inflation rising, savers are taking a huge beating.

Many underspenders (sometimes called "over-savers" ) live with a deep dread of financial ruin.

Nor would it be politically popular: savers tend to be older and the old vote more often.

Some banks have also recently introduced fees and charges, which may have further lowered the return to small savers.

Savers are already penalised by record low interest rates, as central banks try to bail out debtors.

and low interest rates have penalized individual savers while helping businesses borrow, Pettis points out.

Inflation is a tax on the poor, on savers and on all those with fixed incomes.

These websites, through which savers pool money and lend to borrowers, have also been boosted by the crisis.

The proliferation of high-yielding financial products provides an alternative to bank deposits for savers.

However, some screen savers actually perform useful computations , so it is not desirable to suspend them.

Interest rates are so low these days that the most cautious savers are getting practically nothing in return.

A revived stock market, in turn, could encourage more Japanese savers to invest in stocks and generate more national wealth.

I suspect it will rebound sooner and more strongly than high savers with big current account surpluses across the Channel.

But Japan is a creditor country whose savers have complete confidence in the solvency of their government.

The most developed financial markets were found in America, so it was the natural destination for foreign savers seeking safe returns.

With few financial alternatives to beat inflation, Chinese savers buy real estate, even if supply soars ahead of demand.

Unfortunately, ethnic Chinese are the biggest savers.

Savers' money went heavily into equities. Then came the bear market of this decade.

With credit scarce and savers battered by low interest rates, the ground is already fertile for standard peer-to-peer lending.

Better welfare provision might give Chinese savers an incentive to switch into riskier assets like equities.

In this world, the US is passive victim, excess savers are the villains and the Federal Reserve is the hero.

This timidity hurts companies and, in the long term, savers.

Companies have spent a decade shedding debt, and households have been huge savers.

But until such mandates are universal, Britain's savers must hope that the boom in commodity stocks lasts.

If savers treated financial assets as they do other goods, they would sell them when they are expensive and buy them when they are cheap.

Above all, the Swiss think they offer a credible location for foreign savers in uncertain times.

Lenders have long tried to coax savers to shift into higher-yielding investments.

Savers, who are robbed by rising prices, are giving a strong signal.

Savers seeking to avoid being fleeced by the country's banks inflate housing bubbles instead.

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More broadly, China's system results in a large shift in wealth from savers to the corporate sector.

It would end the uncertainty of investors and savers, which has become a crisis propagator.

Screen savers prevent the damage that occurs when the same areas of light and dark are displayed too long.

That gives the US government the position vis-a-vis the world that the Japanese government possesses vis-a-vis Japanese savers.

David Anderson defines four focuses for business: commodities, differentiators, cost savers and spoilers.

The big Chinese savers are the state and state-led corporations.

If attracting international investors is too hard, governments will be tempted to lean on their domestic savers.

The danger for savers is not simply of disappointing returns, but of devastating blows to their wealth.

Nor are savers the only losers in this recession.

Savers, desperate for income, will buy almost any bonds at all.

Steinbrueck explained Germanys decision to promise full deposit protection for individual savers.

If the economy is strong, businesses will be eager to expand and will compete for savers' capital, bidding up rates.

In particular, savers have earned poor returns, so depressing consumption.

Stock markets play a crucial role in financial development, and Chinese savers need more choices.

Indeed, although the Japanese have a reputation of being a nation of savers, this has long since ceased to be true.

So beating up savers can be represented as a kind of Keynesian demand management.

Savers shifted their cash to the government-controlled banks, which were perceived to be safer.

It helps internet banks that savers are growing more comfortable with the technology.

He points out that rates now fail to compensate savers for inflation: real interest rates are negative.

Chinese are among the world's most disciplined savers, but even they have limits.

With some of this Screen savers your computer will drop of to sleep and awake, changing day and night on the screen in turn.

This means government giving major tax advantages to manufacturers and savers.

Firms are also big savers in Germany and Japan, and seem equally minded to cling to cash in uncertain times.

The financial system is made up of financial institutions that coordinate the actions of savers and borrowers.

This, helpfully, would raise the return China's army of savers receives on their massive bank deposits.

Small savings deposits add up. And interest over time makes them grow. This can have a surprising effect for savers and societies.

Second, one can imagine a system whereby savers lent directly only to short-term business and personal borrowers.

Sarkozy said European leaders wanted to defend savers and businesses that wanted to invest.

There is also uncertainty over the effect of new regulations on the financial system's ability to channel savers' funds into investments.

Savers in surplus countries, meanwhile, would receive lower returns too.

Italians are good savers and government tax receipts not too dependent on finance or property.

Unlike many other countries, China's corporate and government sectors are high savers too.

Banks and other financial institutions may raise the rates they pay on savers' certificates of deposit and money market funds.

They are the main way we get money from savers to businesses, homeowners.

Savers who invest in mutual funds have a difficult time using leverage, simply because most bankers will not lend money on mutual funds.

So they punish the household savers in favor of the state-owned companies.

In this month's Money magazine, senior writer Donna Rosato shares secrets of so-called "super savers, " and what they have in common.

Japanese households invest a small proportion of their assets abroad compared with savers in many other rich countries, such as the US.

Frederic Neumann of HSBC thinks allowing money to flow abroad could ease the "financial repression" of low interest rates for savers.

Greece yesterday became the latest EU country to propose more protection for savers.

One can imagine a market that brings together small savers and small investors directly.

There is no need to try to convert endemic savers into spenders.

It follows that the excess savers continue to expect others, and the US in particular, to provide a dumping ground for their exports.

Ben Bernanke's testimony to Congress this week means more gloomy news for ordinary savers.

Cash is being hoarded everywhere by savers too afraid to lend and consumers too afraid to spend.

Funding Circle, an online service, matches savers with businesses in need of cash.

Using inflation to transfer wealth from savers to debtors may help boost spending.

Large firms can raise funds by selling bonds or shares directly to savers in the capital markets.

But it's been brutally punishing for China's ordinary consumers and savers.

This starves clever but unconnected firms of capital, and cheats savers, too.

Central banks are punishing savers to redeem the sins of debtors and speculators.

Eventually, many of the savers may end up out of work because everyone else is saving, too.

In addition to improving the flow and quality of information, FIs provide financial or secondary claims to household savers.

Since 1990 Japanese firms have swung from being big borrowers to big savers as they have sought to repay debts.

In this economic environment, savers are losers and debtors are winners.

Savers would be the main, but not sole winners.

Savers need to earn a high enough return to guarantee their retirements, so banks' and companies' borrowing costs will rise.

Issuing gilts therefore meets global savers' needs.

First, the Treasury should guarantee all savers' deposits in UK banks.

The global environment is extremely negative for savers.

PITY the world's savers. Economists and other busybodies chide them for not spending more, thereby stimulating the economy.

Some savers prefer to invest their money in property; others, in the stock market.

The decline in oil prices represents a huge shift in income from savers to spenders.

and at the other end, older savers who have paid off their mortgages, or who have traded down to smaller homes and banked the proceeds.

bonuses were paid to savers whose policies completed their full term.

Savers deposited money in banks which lent to governments at interest rates below the level of inflation.

The government then repaid savers with money that bought less than the amount originally lent.

Society needs banks to bring together savers and borrowers, spread risk and operate the payments system.

American businesses and households are now net savers.

Deposit rates were raised to 2. 75%, but in real terms savers get back less than they put in.

One simple savers' tactic vexing the banks is to withdraw money and then to re-deposit it in order to claim the higher rate.

The banking system still plays a vital role in matching spenders and savers.

The mystery is why savers accepted crummy returns over long periods.

Their best course is to borrow directly from savers.

Japanese savers tend to shift their wealth to the post office for safety.

Low rates subsidise borrowers at the expense of savers.

Savers now appear to be voting with their feet, with deposit growth in the third quarter unusually weak.

Most labels don't say "CFL" (GE calls its bulbs Energy Savers), and in some cases the telltale twist is enclosed in frosted glass.

And even by frugal Asian standards, they are prodigious savers, with $50, 000 in a state-run bank.

It moves the economy's scarce resources from savers to borrowers.

Falling stock markets mean that, without doing much, a lot of savers are less exposed to equities.

French savers seem hesitant, however.

The Tokyo government must get Japan's frugal savers to spend freely.

Small savers, in contrast, depend more on cash deposits.

In your opinion, when will Chinese consumers, who are traditionally thought of as savers, be renowned for their spending?

Most savers think that debt is bad and that paying off the mortgage on their home is smart.

Domestic savers remain willing to roll them over, which enables the government to fund its deficits.

Banks pool the capital of savers and lend it to companies at longer maturities, allowing them to invest in new factories and so on.

In extreme situations, GPS units can even be life savers .

Whatever the reason, the effect is that the returns that millions of savers hope to earn end up being paid to the finance sector as rents.

It's back to basics for many creative savers, who are making everything from their own cleaning products and condiments to food for Fido.

Sales of gold coins have soared as savers seek a safer and fungible source of value.

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IN THE war on savers a new front has been opened.

After all, it is taxpayers and savers who pay for financial crises.

So-called negative real interest rates often encourage savers to shift money into assets such as real-estate, sparking risk of bubbles.

Savers also skew the picture by salting more money away in longer-term deposits, which attract higher rates and thus squeeze bank margins.

Such fears can be life-savers.

In 2010, Japanese savers invested $166 billion in other countries, the IMF estimates.

The correct approach is, the Chinese strain savers for consumers, so as to maintain the balance of consumption and savings.

It found that the most important relationship is the ratio of "low savers" to "high savers" .

Men turn from penny-pinching savers to big spenders if they think there is a shortage of women around them according to new research.

Today, banks are paying savers almost nothing for their deposits.

Local savers have little choice but to buy government debt, keeping yields artificially low.

Savers will have seen their savings fall in value -- nothing like capping interest payments at 2. 5% and letting inflation run at 5. 1%.

The exchange-rate and capital controls of the Bretton Woods financial system kept savers from seeking high returns abroad.

I will cut taxes on families, seniors, savers and businesses.

Banks exist because they help reconcile the conflicting desires of savers and borrowers .

Not that that deters savers.

India's post office sells 24-carat gold coins, as small as 0. 5 grams, to savers wary of fiat currencies or mutual funds.

In China's tightly controlled financial system, savers have little choice.

I've joined the Women in Red Savers to support my quest to build a $15, 000 emergency fund.

Were we savers before?

Japanese savers, earning next-to-nothing in yen, have poured into investments based on higher-yielding currencies, such as New Zealand's.

In 2010, the real interest rate for savers with one-year fixed-term deposits averaged negative 1. 1%.

If we have more savers, our economy will shrink.

Helping other savers pay attention to their goals is the idea behind his on-line company.

Few savers, with the exception of those in America, have the confidence to go out and construct a portfolio on their own.

The state has for years relied on domestic savers to buy them.

First, the Chinese are prodigious savers with some $2. 25 trillion in household savings.

With inflation outstripping the 2. 25 percent return on one-year deposits, savers are losing spending power.