savings

UTI Long Term Equity Fund:Twin Benefits of Wealth Creation and Tax Savings

As the time passes so quickly, another fiscal year is turning to an end soon, and most of the tax payers must be in the state of panic about keeping the things in order. They might also be planning to approach




savings

Greater emphasis of cost savings could reduce home energy use

New insights into energy saving behaviour in the home could help inform measures to ensure the EU meets energy efficiency targets. A new study shows that younger and more educated households have more positive attitudes towards energy conservation, and suggests that greater emphasis of the financial benefits associated with energy savings could help reduce energy use in households that are less-motivated to save energy for environmental reasons.




savings

Building refurbishments could bring energy savings of 20% for heating

Implementing energy efficiency measures in existing housing stock could save 10% of current heating consumption by 2020 and 20% by 2030, according to a recent study of nine European countries. Planning authorities can play a major role by providing support and unbiased information to all stakeholders involved in the renovations.




savings

Refurbishment of Italian homes could provide energy savings of 85%

Simple measures to upgrade buildings by improvements to insulation or heating systems could result in energy savings of up to 85% in Italian homes, according to recent research. Across Europe, such measures could potentially provide energy savings of more than 40% on average, say the researchers.




savings

Banning night flights could produce large financial savings

New research on a major UK airport (Heathrow) has estimated that a night-time ban on flights could produce up to £860 million (1 billion euros) in financial savings over a 20 year period. Economic costs caused by the ban could be outweighed by savings from reduced health costs of sleep disturbance and stress caused by the noise of night flights.




savings

Using microwaves to clean polluted soil could lead to energy savings

Researchers have experimented with microwave heating as a way of cleaning soils polluted with fuels, such as diesel and petrol. Soil type and moisture levels, as well as the strength of microwaves used, had a strong bearing on the overall effectiveness of the cleaning. The research shows that, at certain depths and in certain types of soil, microwaves can be a cost-effective way of cleaning polluted soils.




savings

Energy-savings potential of LED lighting [Infographic]

In commemoration of National Energy Action Month, our friends at Cree share an infographic highlighting the energy-saving prowess of LED lighting.




savings

2D-Light: Mega-thin LED promises low-cost, energy-savings

In manufacturing, 'flat' has long been synonymous with 'low-cost' but can this also be applied to consumer LED bulbs? The 2D-Light gives it a go.




savings

The next bright idea for energy savings

Actor Ian Somerhalder sings the praises of an innovative new light bulb.




savings

Five apps for grocery savings during the holidays

These apps work in conjunction with store sales and printed coupons to help you make the most out of your holiday grocery budget.




savings

A little boy spends his birthday savings on victims of Hurricane Dorian

6-year-old Jermaine Bell cashes in his Disney World Fund to buy hot dogs and water for hurricane evacuees.




savings

The Crescent Corridor: Fuel and Money Savings State-by-State

The Crescent Corridor: Fuel and Money Savings State-by-State



  • Sustainable Business Practices

savings

We have introduced Energy Savings Analysis Software EWS-DE10.

Product Information




savings

New Retirement Savings Plan - Roth 401(k) Coming Into Effect

Unlike a traditional 401(k) Retirement Plan, a Roth 401k plan applies to all employees but the latter requires the contributions to the plan account with after-tax dollars while a 401k plan allows for contributions with pre-tax dollars.




savings

Intradiem Launches New Savings Guarantee with Workforce Automation Platform

Real-Time Capabilities Pay Off by Improving Efficiency, Agent Engagement, and Customer Experience




savings

Intradiem Reaches Record Savings Delivered to Customers

Workforce Automation Drives Significant Value with Real-Time Capabilities on Agent Engagement, Customer Experience and Efficiency




savings

Experimac® to Offer Extra Savings During Tax-Free Season in August




savings

Experimac Offers Extra Savings on Apple® Products During Holiday Season

Spend Less and Get More at Experimac




savings

Atlanta Airlines Terminal Company Gives The Holiday Gift That Keeps On Giving: Over $9 Million in Energy Savings

Year-over-year energy savings are projected to increase by $3 million per year.




savings

Experimac Stores Offer Great Savings That Maximize Tax Refund Dollars

Affordable Deals Now Offered on Popular Certified Pre-Owned Apple® Devices




savings

Average Savings Rate, Roth 401(k) Participation Hit New Highs

PSCA's Annual Survey finds average combined savings rate is nearly 13% and nearly one quarter of participants contribute to a Roth when given the opportunity




savings

Pardee Homes Says Hello to Fall and to Exceptional Savings on New Homes in the Inland Empire

Pardee Homes is offering special savings on select homes purchased by November 3rd at 12 premium Inland Empire neighborhoods. Pricing starts in the high $200,000s.




savings

Total Auto Protect Launches a New Promotion Offering Savings of up to 45% Off Your Next Extended Auto Warranty

While a vehicle service protection plan can not prevent your car from breaking down, it can help cover the costs of the repair and or replacement.




savings

Shop King Jewelers 2013 Valentine's Day Jewelry Sale for Savings on Unique Valentine's Gifts & Valentine's Day Presents for Men and Women

For Valentine's Day 2013 King Jewelers is offering special savings on an exclusive selection of fine jewelry, watches, diamond studs, diamond pendants and fashion accessories that is sure to make locating the ideal Valentine's Day gift stress free.




savings

Common application form issued for PPF, NSC and other small savings schemes

It must be recalled that the finance ministry had revised rules and introduced separate forms for each small savings scheme via a notification in December 2019.




savings

SBI's 1-year FD is offering lower interest rate than some banks' savings accounts

Apart from small finance banks, certain private banks are also offering higher interest rate on savings accounts. Banks offering higher interest rates on savings account comes with certain conditions.




savings

Govt cuts interest rate on small savings schemes by 0.1 pc, effective July 1

Govt cuts interest rate on small savings schemes by 0.1 pc, effective July 1





savings

Dynamic energy savings for digital signal processor modules using plural energy savings states

In an example embodiment, there is described herein an apparatus comprising an interface for communicating with a plurality of digital signal processors and logic operable to send and receive data via the interface. The logic is configured to determine a first set of digital signal processors to be maintained in a ready state, a second set of digital signal processors to be maintained in a first energy saving state, and a third set of digital signal processors to be maintained in a second energy saving state.




savings

Power savings mode for memory systems

A system and method are disclosed to accomplish power savings in an electronic device, such as a memory chip, by performing selective frequency locking and subsequent instantaneous frequency switching in the DLL (delay locked loop) used for clock synchronization in the electronic device. By locking the DLL at a slow clock frequency, the operational frequency may be substantially instantaneously switched to an integer-multiplied frequency of the initial locking frequency without losing the DLL lock point. This DLL locking methodology allows for faster frequency changes from higher (during normal operation) to lower (during a power saving mode) clock frequencies without resorting to gradual frequency slewing to conserve power and maintain DLL locking. Hence, a large power reduction may be accomplished substantially instantaneously without adding complexity to the system clock generator. Because of the rules governing abstracts, this abstract should not be used in construing the claims.




savings

Maintenance cost savings for pavement surface treatments

Use of Surface Treatments to Extend Pavement Life: A Case Study on US 301, Sussex County, Virginia , released by the Virginia Department of Transportation




savings

IBM Adds Smarter Storage to Queensland Sugar for Improved Efficiency and Cost Savings

IBM (NYSE: IBM) today announced that Queensland Sugar Limited (QSL), a global leader in raw sugar marketing that manages over 90 percent of Australia’s raw sugar exports, has selected IBM advanced storage systems to support rapidly growing data demands.




savings

Martin Lewis reveals 'top payer' for regular savings but some could get even better rates



MARTIN LEWIS was on hand to answer questions from the public during The Martin Lewis Money Show - A Coronavirus Special on ITV on Thursday evening. During the instalment, he addressed ISA and regular savings accounts.




savings

Telephone consultations - no cost savings, but increased GP workload

If you're a patient in the UK, increasingly, your first interaction with the healthcare system won't be the traditional face to fact chat with your doctor - instead you'll have a telephone consultation. The prevalence of these telephone consultations is increasing, and being promoted by CCGs and private companies who administer them - usually as...




savings

LNG complicates light bill savings

THE SWITCH towards liquefied natural gas, LNG, as fuel to produce power supplies for Jamaica has a downside for electricity customers, who are largely missing out on the big oil savings. The near two-thirds plunge in oil prices will have limited...




savings

Ask Ariely: On Simple Savings, Better Bonuses, and Revised Resolutions

Here’s my Q&A column from the WSJ this week — and if you have any questions for me, you can tweet them to @danariely with the hashtag #askariely, post a comment on my Ask Ariely Facebook page, or email them to AskAriely@wsj.com. ___________________________________________________ Dear Dan, My partner and I are students,...




savings

Sharing Services Offers Cost Savings and Better Service, Claims N.Y. Survey

New York superintendents who shared services reported more cost savings and improved service quality than improved student achievement, according to a new research brief.




savings

Fin24.com | MONEY CLINIC: Help! I'm 35 with no retirement savings plan

A Fin24 user is looking to start a retirement savings plan as it does not form part of company benefits, he would have to pay out of pocket.




savings

Fin24.com | MONEY CLINIC: How can I invest my R1.2m savings without eroding my capital?

A Fin24 set to retire this year is looking to invest his R1.2m savings in order to receive a monthly payout.




savings

Fin24.com | Coronavirus and retirement savings: 5 things experts want you to think about

Instability in local and international stock markets – mainly due to concerns over the impact of the coronavirus – might have you concerned about preserving your retirement savings.




savings

Fin24.com | Today's savings vehicle

Unit trusts give investors a spread of assets at an affordable price.




savings

Fin24.com | SA faces savings disaster: expert

South Africa faces "social disaster" if people allow financial pressure to interfere with their savings goals, an expert warns.




savings

Governor Carney Announces Launch of GEAR Website to Identify Cost Savings

State employees, members of the public can submit ideas for cost savings, improvements across state government WILMINGTON, Del. – Governor Carney on Thursday announced the launch of a website for the Government Efficiency and Accountability Review Board, gear.delaware.gov, to identify opportunities for cost savings and system improvements across state government. In February, Governor Carney signed Executive […]




savings

Kotak Mahindra Bank cuts savings account interest rate; effective from April 20

Kotak Mahindra Bank, which has revised interest rate on daily balances in savings account multiple times over the past year or so, has again made a change.



  • Banking & Finance
  • Industry
  • Kotak Mahindra Bank

savings

Petrol stations taking 'too long to pass on savings', ACCC says

At a time when the economy is suffering the ACCC is calling on the petrol retailers to pass on the full benefit of the falling oil price to motorists.




savings

From hobby cook to burger king with little savings or experience – and dad as the delivery guy

At 14 years of age Zaynn Bird was a sub-par McDonald's employee. At 23 he owns one of his state's most impressive burger joints.




savings

Pamrapo Savings Bank of New Jersey Pleads Guilty to Conspiracy to Commit Bank Secrecy Act Violations and Forfeits $5 Million

Pamrapo Savings Bank S.L.A., a wholly-owned subsidiary of Pamrapo Bancorp Inc., based in Bayonne, N.J., pleaded guilty today in U.S. District Court for the District of New Jersey to conspiracy to violate the Bank Secrecy Act and has agreed to forfeit $5 million to the United States



  • OPA Press Releases

savings

Justice Department Reaches Settlement with Luther Burbank Savings to Resolve Allegations of Lending Discrimination in California

The Justice Department announced today that Luther Burbank Savings will invest $2 million in California communities and take other steps as part of a settlement to resolve allegations that it engaged in a pattern or practice of discrimination on the basis of race and national origin.



  • OPA Press Releases

savings

Investor Fraud Summits Across the Country Arm Consumers with Information to Protect Retirement Funds and Life Savings

Attorney General Eric Holder and the Department of Justice’s U.S. Attorneys’ offices together, with the department’s Criminal and Civil Divisions, representatives from various government agencies and partners, are holding investor fraud summits across the country to help consumers protect their hard-earned money from fraud.



  • OPA Press Releases

savings

Let's put a retirement savings plan in every workplace


Critics of the nation's retirement system regularly complain that the system is in crisis. Too many private companies fail to offer their employees a retirement plan. Many employees who are covered by a plan fail to make contributions to it. Those who do make contributions may contribute too little or invest their savings unwisely. The end result: Many of us will reach retirement age with miniscule pensions or too little savings to enjoy a comfortable old age.

The argument that our retirement system has gaping holes is well founded. The notion that it faces an imminent "crisis" is nonsense. If the system currently faces a crisis, it has faced the same one for the past 40 years. While elderly Americans have seen their incomes and living standards improve in recent decades, the median working-age family has experienced little improvement in its real income. Nonelderly families that depend solely on the earnings of breadwinners who have below-average schooling saw a drop in their incomes.

In recent research with Brookings colleagues, I tracked the real incomes of families headed by aged and nonaged Americans. In the 34 years ending in 2012, the median real income of working-age families climbed a little more than 2 percent (in other words, by less than one-tenth of a percentage point per year). The median real income of families headed by someone past 62 increased a little more than 40 percent. The numbers suggest our retirement system is doing a decent job improving the living standards of the aged. Unfortunately, the labor market is doing a much worse job boosting the living standards of middle-class wage earners.

Critics of the retirement system might worry that it succeeds in protecting the incomes of the middle class elderly but fails to protect the incomes of the poor -- a concern not supported by the evidence. Income inequality has gone up among the elderly as it has among the nonelderly. But older low-income Americans have fared much better than low-income working-age adults. In the late 1950s, by far the highest poverty rate of any age group was that for people over 65. Even in the late 1980s, the elderly had a higher poverty rate than adults between 18-64. Since the middle of the last decade, however, the elderly have had the lowest poverty rate of any age group.

People who warn us of a retirement "crisis" are nonetheless correct in pointing to sizeable holes in the current system. Too few companies, especially small ones, offer their workers a retirement plan. According to recent government estimates, only about half of workers in companies with fewer than 100 employees are offered a retirement plan. Offer rates are higher in bigger companies and in government agencies, but about 30 percent of all employees are not offered any pension or retirement savings plan where they work. When retirement plans are offered, however, workers are very likely to participate in them -- even if they must make a voluntary contribution out of their pretax wages.

What is crucial for a retirement savings plan's success is automatic payroll withholding. Dollars that are withheld from workers' paychecks are harder for workers to spend on something other than retirement savings. A crucial improvement in our current system would be to require all employers to establish automatic payroll withholding for voluntary retirement savings in an IRA (individual retirement account). Companies that already offer a qualified pension or retirement savings plan should be exempt from any extra obligation.

The harshest critics of the current retirement system would go much further than this. Many want to bring back traditional retirement plans that guaranteed workers a specific monthly pension linked to their job tenure, final pay, and age at retirement. The advantages of such a plan for workers are that their employer is typically responsible for funding the plan and for ensuring that pensions are paid, regardless of the ups and downs of financial markets. A big disadvantage is that the promised benefits are not worth much if the worker's career with a company is cut short, either because of a layoff or quitting.

People who are nostalgic for old-fashioned pensions may be right that workers would prefer to be covered by such a plan, despite their disadvantages for short-tenure workers. I'm less persuaded that traditional pensions offer better protection to typical workers than modern 401(k)-type plans. Regardless of the pros and cons of the two kinds of plan, it is wildly unrealistic to think small employers or new employers will want to take on the risks and administrative burdens connected with an old-fashioned pension plan.

All U.S. workers are covered by a traditional, defined-benefit pension: it's called Social Security. It has worked well over the past four decades in protecting and even lifting the incomes of the retired elderly. It may not work as well in the future if benefits are cut substantially to keep the program solvent. Boosting workplace retirement savings is a sensible way to insure future retirees will have adequate incomes, even if Social Security benefits have to be trimmed. An essential first step to boosting savings is to require companies to put a retirement savings plan in every workplace.


Editor's note: This piece originally appeared in Real Clear Markets.

Authors

Publication: Real Clear Markets
Image Source: © Max Whittaker / Reuters
      
 
 




savings

Class Notes: Virtual college counseling, rainy-day savings accounts, and more

This week in Class Notes: Accounting for the consumption value of college increases the rate of return to a college education by 12-14%. Virtual college counseling increases applications to four-year and selective universities, particularly among disadvantaged students, but the effect on acceptance and enrollment is minimal. Automatically enrolling employees into an employer-sponsored savings account is a cost-effective way of helping workers…