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Definition of savings
1 Meaning of savingsWe stumbled on this occasion with a masculine noun from which little or nothing is known regarding its etymological origin. Throughout this review we will be referring to saving, to which we could define follows: expenditure or consumption less than what would be considered normal or would be provided. Explained in a more technical manner, also could conceptualize it is saying: difference between disposable income and consumption by an individual, a Government or one private company, among others. It should be noted also that it is of that part of the income that is not intended for consumption, or a complementary part of the expenditure.
It is clear that the capacity of saving is going to depend almost exclusively on what the individual receive as income. Or if someone has an income that is below that indicates the basic basket, it is logical that it has no chance of saving. To be far more graphics with respect to saving itself could refer to this hypothetical situation: If a person per month earns 2,000 pesos, and at the same time spending 1,500, then Obama will have five hundred pesos from savings. Clear that this sum can store watching possible incidentals, or with the aim of achieving one greater future spending and requiring some or several months of savings.
Moreover, savings you can divide it into two parts. On the one hand we have the private; While on the other we have with the public. The first concerns that individuals carry out, or going to a larger sphere, which are private companies. Meanwhile, the State, who often receive income through taxes for example made public. Their spending, in general, tends to give infrastructure, social investment, security, justice, etc.
In another completely different, the word in question does not only refer to the strictly economic, but is also common to talk of saving energy. Graphing would say: do not you throw everything you have in the early rounds, you should be saving energy because most likely become a long bout. While beyond the physical, it can also be done saving, in case of electric power.
Synonym of savings
Let us now see the synonyms of the word that we brought here: conservation reserve, frugality, economy; sleaze, miserliness, greed, meanness; flow, prudence, expense.
2. Definition of savingsIs called saving to the difference of money which a person or a company has, and that is determined by the economic remuneration received, preferably referring to the sum of money that comes from the realization of a work or may also, in addition to this, the person has or have additional income as the income of a property that keeps rental, with consumption making. Although this last situation, that which is not given in the companies, these able can get additional income from the exploitation of some good who possess and use it to increase the level of savings of the same. For example, a business that sells antiques, can also find an extra through the rental of their products.
But, in a clear and obvious, the saving capacity will depend on great and absolute measure of what the person receive as income, since if your income is below what is considered basic basket, surely, that person will not have capacity for the same, or to remotely think about it, unfortunately. Saving is the basis of the fortune, says the old proverb, by which, without a doubt, the possibility of generating an accumulation of wealth is based, first and foremost, in income and, to a lesser extent, in the volume of expenses of a person or a household.
Meanwhile, savings you can qualify it in two main types, private savings and public savings. And although it is a bit obvious, like van clarifications because this is our in definition ABC: private is that people perform individually, or to a larger level, companies and private organizations and families. In return, public savings only is the task of the State at three levels of Government (national or federal, provincial or State, municipal) and is, to a greater extent, taxes charged to the inhabitants of each nation. Then, in an ideal case (because there are also unfortunately the real...), if the State does well, all duties with the savings referred to in macroeconomic terms fiscal surplus, you can build schools, roads, hospitals and provide assistance to those who need it most, but if you don't you will suffer what is known as "the cuckoo" in any economy: fiscal deficitin which public spending exceeds the capacity of saving.
It is clear that saving a nation, which is the sum of private and public savings will depend on as well as the economic policies that the Government implements to grow this; If things are not done well, these will be responsible for a failure in this aspect. Poor or even fraudulent management processes lead to major economic crises, in which the lack of savings in the so-called "counter-cyclical funds" causes the inability to finance current expenditure, such as the payment of wages or the maintenance of so-called payment chains. Thus, in such situations, devaluation of the currency, inflation and lack of supply of basic resources (food, drugs) is observed and perhaps the worst of the consequences of the absence of savings: the lack of trust.
For example, a case of misguided policies we can find in Argentina, after the crisis economic politician that suffered the country towards the end of the year 2001 and that ended with a "financial yard", in which the savings of many Argentine were caught and immobilized. This sort of confiscation of private funds was the trigger for a situation of no reliability in the financial system and the State, which resulted in people not deposit a weight more on the banks and, what is worse, it carried their savings to another nation that offered greater security in this sense.
3 Concept of savingSaving, is the process set aside a portion of current income or part of the recurrent expenditure for the future, and not to consume it immediately. He also is considered the difference between disposable income and consumption carried out by a person, family or company, called income not consumed.
How much less consumption exists in a given period, is more saves. When saving, disposable income are greater than the costs and on the other hand, shows a surplus of money, if expenses were greater than revenues, be presented otherwise, a lack of money.
The savings can be divided into public or private. The private is the difference between income and consumption of every family, individual, company and all kinds of private organizations which do not belong to the State.
Saving public institutions of that sector, make it as it is the State, which receives income through taxes and other activities, and present consumption in infrastructure, social investment, among others.