There is one area where consumers can find big savings and that's on meals. Stores are popping up all over the country that help you prepare a week's worth of meals at once. You buy in bulk, so you save big.

Wally Konrad

We like consumer plays. Asia has high savings rates. That becomes strong consumption power when coupled with domestic recovery.

Teresa Chow

A lot of people have the mistaken assumptions that they have to have a 529 plan for college savings, and that they should be part of the plans in their own state. It all depends on what your needs are, but in a lot of cases there are better choices.

James Boyle

Parents should talk about their financial choices regarding shopping, savings, paying bills and sources of income. Parents should be a good example.

Mark Schug

The practical implication of this environment is that young Canadians must start saving very early in their lives, compared to previous generations in order to realize the same inflation-adjusted return on their savings. Our findings suggest this is not happening.

Benjamin Tal

Even after significant progress, overhead remains high, some businesses appear difficult to fix, and commodity costs are eating away savings earmarked for reinvestment, ... buy.

William Schmitz

Don't gamble; take all your savings and buy some good stock and hold it till it goes up, then sell it. If it don't go up, don't buy it.

Will Rogers

We add all our net costs together and subtract sales to other utilities. In a good month where we sell a lot of power credits, we're able to pass that savings on to our owner-customers.

John Bilsten

We're not going through an energy crisis, so people aren't focused on the loss of energy as much as we used to, ... But if people could see some of these amazing savings on a monthly basis, they could use that money for something more important.

Dan Reicher

The results were awful. Clearly Maytag has made no progress on bringing cost savings to the bottom line.

Craig Hutson

By consolidating and simplifying our data warehousing platforms, we believe that considerable cost savings and operating efficiencies can be achieved across the company. With both operational and customer data stored in one central repository, the business can easily manage, access and analyze information for faster decision-making and improved customer service.

Gary Carter

I would expect costs to rise as the year goes on. They shifted some savings into this quarter.

Jon Lecroy

More maintenance work is being done out of Southeast Asia and China. The real savings are in labor. There's a lot more work to be done and a lot of savings can come out.

David Maywald

That's not a real savings for the taxpayers.

Robert Mahon

That's a 42-percent increase in fuel efficiency from 12 miles per gallon to 17 miles per gallon, so it's really a significant savings.

Susie Johnson

It's a premium, not a savings, which is why it's voluntary.

Jack Brautigam

We are recommending the design committee consider doing these changes. We believe there are additional savings to be realized.

Carol Bruce

It's a federal program and the money is there, so why not let students from Idaho get it. It's a tremendous savings for two meals a day. That way families can use the money for other things.

Linda Turner

The bottom line for consumers is potentially billions of dollars a year in additional charges, fees, and higher interest rates and lower yields on savings.

Stephen Brobeck

We already have a large number of retirement savings vehicles in the United States. It is not clear why we need yet another tax break for savings for rich guys.

Jonathan Gruber

Savings of this magnitude will help the district immeasurably.

Thomas Finlan

We're committed to helping our partners save for retirement. This is another way to provide partners with more savings opportunities.

Pablo Rodriguez

This can really make a big cost savings for people.

Tana Wardle

I'd be remiss if I didn't tell you we're serious about them because of the cost savings, short and long term.

Roland Sinn

My parents were not spenders. They were savers. The inherited wealth that's coming is huge because of the savings of the generation before, and these baby boomers will spend it.

David Tufts

Most tenants feel the extra productivity and eventual cost savings outweigh the extra dollar. You have to price the green space competitively and count on the lower operating costs to make up the difference.

David Mcclatchy

The current account deficit shows that the dollar/won exchange-rate fall has meant deteriorating company profits, while savings have declined. The consumption recovery may soon be constrained by weak income growth.

Oh Suktae

These are elderly people and the savings really means a lot to them. They are very happy and relieved that they can save money.

Satish Kumar

(The cost) is considerably less than everyone anticipated. The around-the-clock operation, 24 hours-a-day, has resulted in cost savings.

Brad Gair

This gives us a significant increase in our long-term savings business, ... But more importantly, it is a significant increase in the fast-growing market for high-net-worth customers, which is not a market we're very heavily exposed to through our existing businesses.

James Crosby

I have had two broken hips. I used most of my savings to buy my mobile home seven years ago. I don't have enough to buy anything comparable should we be asked to move.

Betty Williams

Reaching $500 million this quickly is a testament to the quality of the state's college-savings program and the recognition by Oregonians that saving now is better than borrowing later.

Randall Edwards

There must be fish. You have to put out the fish but you either don't eat it or you have to leave some, because it sounds similar in phonetics to a phrase which means you have savings.

Ding Lan

Cost savings of $3.3 billion were achieved last year, which was more than our target.

Juergen Schrempp

I once cashed out a bunch of savings bonds in the middle of the year and forgot about them. Then I got a nice little love note from the IRS saying they'd corrected my return.

Jackie Perlman

For a lot of small businesses, the administration cost is greater than the tax savings.

Paul Hense

The MFT intern program has resulted in considerable cost savings to the district while at the same time providing excellent services.

Chet Bialicki

The sponsorship of Manchester City has proved a great success as it reinforces our position as one of the UK's best-known brand names. Manchester City supporters have also benefited from thousands of pounds in savings on holidays.

Thomas Cook

We're gonna be looking at making sure that the delivered price of natural gas is at levels that insure customers have the level of savings that they've been looking for.

Andrew Harrington

At the end of the day, conservatives are not going to walk away from the first chance since 1997 to pass mandatory savings.

Jeb Hensarling

We remain open to exploring various options to attain the needed labor costs savings but we need to resolve the issue quickly.

Doug Steenland

These savings are a clear positive, but retiree liability cuts are likely to see some almost immediate offsets, from ongoing health care inflation, possible Delphi liability assumption and falling long-term rates.

Robert Barry

The lion's share of loans are generated by the federal loan program, but increasingly, there are a lot of private alternative loan programs offered by banks and savings and loan institutions out there, too.

Dallas Martin

It's likely that the America West management has gotten a better feel for the holes in the merged company, and one of them is how it handles domestic reservations. They might have determined that whatever cost savings they're getting are being lost in customer dissatisfaction.

Dean Headley

We have no comment on it until we're ready to release it. It's still a fluid process at this point. We look forward to significant fuel savings without sacrificing safety or doing harm to the American economy.

Rae Tyson

If you take these figures, the rising stock market, a slight increase to buy direct (online), I would say there's pretty good evidence of improving investor confidence in long-term savings.

Tim Breedon

When you find out how they live in Africa, you just want to do anything for them. I'm hustling for them, and I've got no savings, but I just want them to be successful because they're kind of like my kids.

Mike Barnow

Treating all savings the same ignores human nature and the strong desire of people to have everything now.

Jack Dolan

Nine months ago, we set out to save one billion dollars annually by using our own Internet e-Business applications, ... That billion dollar savings translates to a 10 point improvement in our margin.

Jeff Henley

Actual stored data can be reduced by magnitudes and result in enormous cost savings.

Tony Asaro

We believe the global expansion needs to be balanced up, not balanced down, ... An adjustment should take place in our countries through increased public savings. Internationally, there needs to be an adjustment through an increase in exports rather than reduced imports.

Lawrence Summers

We'd like to get our cash savings to $30,000. Once we get to that level we'll consider eventually investing our extra savings or using it to buy rental property or land.

Christina Berretta

We do have a very dramatic, unheard-of reduction in the cost of claims. It is unprecedented, ... The industry is continuing to pocket a large share of the cost savings.

John Garamendi

There are several advantages to our services. We are in the community where people live, you don't have to wait, and you can consider the cost savings.

Don Scaro

Getting the mortgage sorted is the top priority. His options are to change to a repayment mortgage or to start a savings plan such as an ISA, to cover the mortgage capital when it falls due.

Ben Yearsley

At the time of a person's death, much of their savings, business assets or farm assets have already been subjected to federal, state and local tax.

Wayne Allard

Virtually every Web server in the world runs on Linux, ... Now people are looking at, how do I get the same financial savings in other areas of my business?

Stuart Cohen

After a period of financial difficulty, people often find themselves with income, savings for a down payment, but poor credit because of their past. When they apply for a mortgage loan they are turned down. We are able to help people in that situation get a home they can afford and move in almost immediately.

Jason Sant

If making the investment decision feels overwhelming, someone might not be included to make the savings decision. Part of the problem people now have is there are many more choices that they have to make. Before, it was a defined benefit plan, and you were done.

Stuart Ritter

This country's high savings' rate will likely translate into an ever-larger pool of domestic capital that can be invested.

Vincent Cheng

What I think you are going to see over time is a rebalancing. A rebalancing away from the state, a rebalancing away from the employer and a rebalancing onto individuals and their families to provide for their own protection in some way through insurance, through increased savings -- things of that sort.

Roderick Nye

Partnering with some of the world's largest integrators to deliver this program will enable more customers to take advantage of the performance and cost savings available from adopting the most advanced OS on the planet.

Tom Goguen

I need attorneys to speak with that have a few minutes to look and discuss my case. I have my savings so I can pay a little for their time.

Asa Meek

There's going to have to be much more attention paid to individual savings and ways to encourage savings.

Richard Suzman

Advertising was an area of significant spend. We saw an opportunity to both achieve savings and to drive consistency in the message the administration was trying to deliver across multiple program areas.

Curt Topper

With the ability to open the windows, you can regulate temperature which leads to better comfort for the occupants and overall energy savings.

Bob Albanese

One way or another, the labor issue will be resolved; this should pave the way for Northwest to reach its savings goals with the other union groups.

Michael Linenberg

We expect the restructuring plan to provide ongoing cost savings and enable Lucent to break-even in fiscal Q1 2002.

Ariane Mahler

This is way beyond mere cost savings. Unless global banks are comfortable with the quality of work, they would not risk taking the work offshore.

Madhavi Mantha

Despite significantly higher energy prices which offset more favorable metal prices, we achieved solid cost savings results from the restructuring undertaken over the last two years...,

Alain Belda

The difference between full control and 80 per cent is the ability to integrate the businesses and not being able to integrate the businesses takes away some of those $55 million in synergies (cost savings).

Brent Mitchell

The London Stock Exchange is an all-electronic stock exchange that gives Nasdaq a global presence. There would be cost savings, too.

Richard Repetto

The winner of the Prince and Princess of the Patch will each receive a $50 savings bond, courtesy of Bancroft State Bank.

Nikki Hunt

Improving energy efficiency is the easiest thing that we could do and companies tell us cost savings usually result from those improvements.

Vicki Arroyo

We think that the eventual savings from the deal will only be in the $7 billion pretax range, compared with GM's estimate of $12 billion.

Ron Tadross

There is no guarantee that any particular sales method will produce more savings over another.

Susan Hall

I'm not an absentee landowner. I live in an apartment here myself and put my life savings into renovating this building. So I wasn't going to put up with something like that.

Steve Alley

We don't know what the savings would be. It's not really cut and dry. Definitely there would be a savings for consumers, but to say what people would save is too difficult.

Mary Ingarra

Our savings programs are delivering well and, together with an improved mix, they have enabled us to fully offset the impact of higher input costs.

Patrick Cescau

I've got two kids and I don't want to burden them with that kind of expense when I'm 75 or 80 or 85. People with houses, stocks, savings, retirement funds, they may want to look at this. That's what drives the middle class to think about long-term-care insurance, to preserve estates.

Scott Parkin

Wholesale prices for natural gas have been declining ever since December, so we're glad to pass those savings on to our customers.

Angie Townsend

To make sure you don't lose the savings habit.

Ted Benna

Strongest growth has been in business with private individuals, partly by increased borrowing for house purchases and increased interest in savings products.

Doug Godden

No one wanted to loan me anything. My numbers were small because I was just starting. I used all my savings, and my parents loaned me money. I was able to pay them back fairly quickly.

Chauvet

If we get (the savings), fine. If we don't, we have a hole.

Alan Essig

We are disappointed with Judge Hogan's ruling, especially given the strength of our case and supporting evidence that demonstrate the enormous cost savings that would have resulted from our proposed merger ... This is a sad day for small businesses and consumers.

Thomas G. Stemberg

It's going to cost them a great deal in the short term to put the savings through.

Michael Dean

Prices for all kinds of heating -- natural gas, fuel oil, electricity and propane -- have all risen since last year. But thanks to a warm winter and higher inventory levels, the price of natural gas is continuing to decline. We're pleased to pass along these savings to our customers in Miami-Dade, Brevard, St. Lucie, and Indian River counties.

Charles Rawson

We are looking to establish quick gains, though it is too early to quantify what the cost savings will be.

Rajiv Dube

We are looking for savings that don't impact the impoverished person.

Mike Rogers

We see $250,000 in savings in a short six months as a strong step forward.

Justin Dejong

They were really the model for the savings plans we see today.

Joseph Hurley

We don't think it's fair. The state should be getting a 10 percent savings. That's what Congress said when it passed the program and the president said when he signed the bill.

Stan Rosenstein

Now that fluorescent bulbs are more commonplace, that's one piece of the picture that's contributing to savings.

Scott Simms

These numbers are in line with an economy we see as sluggish but still growing. Consumers are still willing to spend, even if they do have to dip into savings.

Robert Goodman

Just like we need standards in software and hardware, we need standards in power utilization and power savings.

Ben Williams

The stock is beginning to reflect some of the cost savings. Beyond that, we need to see if the company's targeted end markets are growing if the stock is going get out of the mid-teens.

Craig Berger

The provision of the Deficit Reduction Act of 2005 establishing equal financial aid treatment for all 529 plans is good news for Ohio families with money invested in the Guaranteed Savings Fund. This eliminates a major source of confusion for families saving for college and for financial aid administrators as well.

Jackie Williams

There is a cost savings associated with it and an environmental savings because it reduces the waste that single-use devices creates.

Shelley Miller

The good news is that the global warming benefits of these advanced forms of ethanol come along for the ride, even if you only care about oil savings.

Jason Mark

We have a very fragmented (healthcare) system. The money may be spent out of one pocket, but the savings could go into a different pocket.

Stephen Rosenberg

It would be a dark day for New Zealand if Fletcher Building relocated. We have to look at the savings industry and see if it's working properly. We have to look around the corporate tax rate.

John Key

[Between loans, savings and tithing to their church, the couple doesn't have a lot of discretionary income left over.] We don't eat out a lot, ... And if we do go on vacation we try to drive instead of fly.

Brad Jarvis

RAC delivered a good set of results, while our cost savings are on track and the integration is largely complete.

Richard Harvey

Anything that we can do to raise personal savings is very much in the interest of this country," Greenspan said.

Alan Greenspan

This is a company that's entering the sweet spot of their restructuring savings, ... I don't think people are going to find too much to pick at about this result.

Sanford Bernstein

Knowing what is available out there to present to your employees and having access to various types of information about plans is vitally important. We have to encourage employees to participate and modernize their contributions to savings.

Aida Alvarez

We are extremely pleased to reduce rates for educators who give so much to our community. The facts prove that teachers are a better insurance risk with fewer claims, so we are passing the savings along by reducing their rates. We've also increased our auto discount for customers who have other lines of business with us, such as life or homeowner insurance or an annuity.

Doug Reynolds

It's our feeling that we already offer a broad range of good opportunities for savings for our employees.

Dave Elshoff

That savings is being passed on to members. Our focus is strictly on them.

Barry Bowman

If housing and stock prices go down, people will respond by increasing the flow of savings. If they have to save more to meet retirement objectives, then they'll have to cut down on consumption.

Brian Bethune

For micro businesses, a $35 to $70 savings (in registration fees) might just be enough to get them online.

Kneko Burney

An RRSP loan is a really good idea. It allows for flexibility, forced savings and tax-deferred growth.

Kirk Anderson

The president's initiative ties an oil savings target to a basket of energy solutions for homes and businesses, which have nothing to do with our oil problem.

Gal Luft

If you're serious about retiring prior to age 591/2, it's critical you accumulate savings outside of your 401(k) plan.

Barbara Saunders

This is the national equivalent of having no savings, your credit card maxed out, you didn't renew your insurance, and now your house has burned down. The only way we can start to solve this is rolling back the tax cuts for the rich, which would save about $70 billion.

Diana Degette

There are many folks out there who hold the shares because of the high dividend. Dropping part of that dividend would mean dropping many shareholders, and I don't think it's worth the savings, which isn't really that much.

Brian Ropp

The Better Opportunities for Single Soldiers program and a variation of the Thrift Savings Plan, the Military Savings Plan, being opened up to active-duty military personnel were the result of AFAP initiatives.

Dennis Mcmillen

There's a lot of cash from retirement savings either propping up share prices already or sitting on the sidelines, looking for a chance to get in.

Don Hamson

In the overwhelming majority of cases, using commercial buying practices and buying commercial items has paid huge dividends in savings, responsiveness and quality.

Jacques Gansler

There's no question that there was an enormous exaggeration of the benefits of the new fee agreement that hid substantial rate increases at a time when the [long-distance] companies themselves are getting significant cost savings.

Gene Kimmelman

The results say that actual interest in revenue generation is still very low. All the talk about profit centers is just that -- it's all talk. The dominant driver [in contact center maturity] is still cost savings.

Richard Snow

You can use some of the grant dollars to get this program started, and hopefully you'll get enough weight coming in that it takes over on its own. Then the savings you make will pay for the transportation.

Mark Kunkel

A billion dollars in annual savings translates to a 10-point improvement in our margins. We did better than that again this quarter. In the first quarter our operating margin improved over last year's by 11.7 points -- from 17.4 percent to 29.1 percent.

Jeff Henley

Regularly using liquid savings to cover normal expenses may indicate you are not planning properly. If you find yourself doing that, you should reassess your overall budget strategy.

Alan Kopit

We began using saliva testing in January of 2002. It has been a phased-in process, which is now about 80 percent complete. We switched because it is less invasive and better for our employees and there is also a cross-savings for the company.

Robin Keegan

We made real progress in continental Europe where our long-term savings businesses performed well and we've gained good ground in the developing markets of Asia.

Richard Harvey

People should look at water supply like a savings account. You build up a cushion so that you can get through rough times.

Mike Wade

We're trying to save property tax dollars by doing the blue bag program. With less garbage going into the landfill, the county would be billed less. That's how we'd really be getting the savings.

John Schneider

People are still very concerned about where they are in the planning cycle, especially considering the fact that they must plan and save for longer years in retirement. Increased longevity, combined with concerns over retirement savings, have created a new retirement reality for many people.

Bob Reid

With our 10g release, we focused on making the Oracle Database easier to install, deploy, and manage as well as easier for developers to use. Oracle SQL Developer offers database developers everything they need to productively tackle their coding and debugging tasks more effectively. Oracle Database customers will benefit in terms of both cost savings and increased developer productivity.

Andrew Mendelsohn

The individual with a college savings plan is someone who might otherwise be investing in taxable funds for their child's college education and they'd like to be able to put that money in a tax-advantaged savings account.

Joseph Hurley

The easiest thing to do is leave (your savings) in the plan, ... If you like the investment options you have, you may want to leave it there.

Dallas Salisbury

By the city providing this one service to its residents the average household savings will be 50 percent more than the average tax bill for all city services. Further the $3 to $4 million per year that is leaving the city to flow to corporate headquarters all over the country will stay in the local economy.

Jonathan Baltuch

After two to three years of operating, that facility is paid for by way of savings. Because there's such a rapid rate of return, it looks like an annuity. They're saving between $500,000 and $1 million year after year.

Stuart Clark

If you paid down credit-card debt that would reduce the net value of your savings.

Kalman Chany

ABC and Citadel differ quite significantly in both cluster size and geography, making it difficult for Citadel to realize cost savings across its newly merged platform. We believe that additional synergies may be generated on the top line, but more so for national advertisers rather than local advertisers, which make up the majority of Citadel's revenue.

Marci Ryvicker

The inherent compliance at the tip saves robot programming time. Our programmers can program fewer path points since the tool compliance will accommodate deviations between the robot path and the part edge, i.e. the robot path does not have to precisely follow the part edge. Programming savings are multiplied in applications where multiple passes are necessary in order to achieve a desired finish.

Charlie Young

The fund also will assure that if for any reason the wind turbine needs to come down, there will be money there to allow for that. The donor has really set this up so there will be no cost to the high school and just savings, along with an opportunity for education and inspiration.

Phil Forest

A lot of people think it can happen overnight. That's not realistic. You also always should include savings, because even though rates are not great right now, if something does happen, you're going to revert right back to credit cards if you don't have something saved.

Patricia Hasson

From a business perspective, if you look at dollar for dollar, there's a lot of savings to be had by going eco-friendly as far as expenses and energy consumption, ... But most people don't look at business from that point of view - they only look at the bottom line and the upfront costs, but there's a long term benefit to being eco-friendly.

Geoff Baker

Not only will these tax cuts - mainly for the super wealthy and big corporations - wipe out the savings from the budget cuts, it will actually balloon our deficit even further.

Diane Farrell

Some of these cases are really sad. There are people who have literally lost their life savings.

Barry Goldsmith

It seems to me that they've sort of missed the boat on potential cost savings from these kinds of cost containment tools.

Jonathan Blum

[Perhaps this] borrowing to create cash flow ... The personal 'savings' rate has fallen to a new all time record low of minus 6%. Rather than curtailing consumption, Americans have merely responded to higher gas prices by borrowing more money. Therefore, the immediate damage isn't reduced consumption by increased debt. As a result, the actual damage is only being post.

Peter Schiff

It's only in the 'fair' range probably because of real estate appreciation and stock market gains. It's definitely being dragged down by poor savings behavior.

Sophie Beckmann

That newer piece, for example, might have a variable speed drive, as opposed to the old-style motor. This can offer considerable savings if plants replace their existing equipment with the variable speed unit.

Randy Davis

They will need to pass that savings down to the consumer. Or we won't sell to them.

Dan Wegner

You can't tell me the state can cut this money and that services aren't reduced. You can't say the savings is going to come off the administrative end. Because of (Medicaid) cost-containment in 2003-2004, administration was cut then. There's not a whole lot of administrative (cost) left.

Sharon Anderson

Web distribution puts more profits in our hands. At the same time, it allows us to pass the majority of our cost savings along to our customers.

Marc Deforest

This is part of our continuing effort to increase non-airline revenue. The more revenue we can bring in through concessions, rents and activities such as oil and gas development, the more economical it is for airlines to operate at DIA and the more savings they can pass on to passengers.

Stan Koniz

As we move forward we will of course be looking for opportunities to find savings on top of what we have already proposed.

Scott Milburn

College-savings plans continue to provide welcome tax benefits and help families.

Kerry O'boyle

While the company appreciates Judge Gropper giving the parties additional time to continue to reach consensual agreements, achieving the needed labor costs savings as soon as possible is critical to the success of Northwest Airlines, which is losing $3 million to $4 million dollars per day.

Bill Mellon

Because it translates into real dollars. Here's why: a $3 gallon over 15,000 miles per year, you're talking about savings of $750. That's a lot of money.

John Townsend

This represents the potential of major savings at that location, pending the outcome of the talks.

Lindsey Williams

Put the money into savings. Set it up so that the payment comes out every single year, even if it's a smaller payment than the $400. People will be guaranteed that payment year after year after year.

Scott Hennig

Our customers tell us that they appreciate rebate savings, but hate the paperwork and the wait. We listened.

Ron Boire

The increasing savings show a shrinking domestic demand. That is partly due to the government's efforts to cool down the real estate industry, and people finding a narrower channel for investment.

Li Ruoyu

Today we presented to (pilots union) ALPA the pilot cost savings proposals that we believe are necessary to help address the severe financial challenge that the company and its people are facing.

Chris Kelly

I wasn't interested in test lab cost savings; I was interested in maintaining an exceptional level of product quality. To do that, I needed a lab that could scale, execute at high speeds, and amortize expensive equipment as effectively as possible. We'll always have more engineers generating code than equipment to test it; it's the nature of the business.

Brad Siims

As effective as he's been. I agree with that (decision), I think it's an effective cost savings move. Our office largely deals with three department heads directly.

Bill Douglas

We believe there is still some question regarding the need for that particular level of savings and there are many questions about how Northwest values some of the concessions they are demanding from pilots.

Hal Myers

We're just not seeing the demand pickup we'd like to see, and we hit a wall on some of the cost savings we were driving for.

Andy Bryant

Providing value to our customers is important to us as a brand. Our Iced Coffee Program is an innovative way to provide this offer to value conscious consumers -- giving them the opportunity to have a great product for a great price and enjoy additional savings with some of the best resorts in the Northeast.

John Gilbert

We engaged Lewin to obtain an objective assessment of the potential for savings.

Thomas Johnson

Nearly all of their savings comes from this cut to total discretionary spending. That does nothing for the real long-term problem.

Brian M. Riedl

Time is of the essence. It is vital that if you have cash languishing in any account and have not made use of your ISA allowance, then you should do so immediately. What is the point of paying tax on your savings if you don't have to?

Susan Hannums

This slowdown is expected because they are exhausting their cost-savings from the merger. But their earnings growth in 2003 and beyond will still be above most of their peers', thanks to strong drug sales.

Adam Greene

We see parasites literally suck the weight off cattle. It's almost always a money-making proposition to treat the animal, as the cost savings (from less weight loss) will be greater than the expense.

John Maas

Long term rates are staying constant or coming down. At 5.43 percent you can budget for it. With your added interest savings, you can now have it paid off in fourteen years at a locked-in payment.

Brian Brewer

We were able to take some of those savings... and reinvest them in SMART and Academic Competitiveness grants.

Andrea Baker

I hope this encourages more families to save for college using Section 529 plans, which are the best savings vehicles for college.

Jackie Williams

Achieve future sustained savings and profitable growth.

Alain Belda

[The consumption tax idea is] at great odds with the political center of the country, ... How do we get to a system that better encourages savings and investment, without creating a system that can be characterized as benefiting the rich?

Clint Stretch

[Certified financial planners who reviewed Cummings' portfolio applauded her savings efforts.] She is absolutely a rare breed of saver in this country, ... She needs more juice for her goals.

Rick Applegate

Reducing the pheasant propagation program saved the agency nearly $650,000 over the [2004-05 and 2005-06] fiscal years. Without a hunting license fee increase, we expect to continue producing at the 100,000-bird level for 2006-07. At the reduced level, the agency will realize a savings of nearly $1.1 million over three fiscal years.

Vern Ross

You might pay 20 percent less for a car than you normally would, and for a car that is worth $25,000 or $30,000, that's a great savings.

Don Campbell

Clients will still have some prescription charges. But the cards will definitely add up in savings. For example, if a client has high blood pressure medicine each month at $160, these cards will save about $50 on each prescription. It can be an awfully lot off.

Debbie Flinn

When you're flying 500 to 750 miles, general aviation is probably going to offer you a time savings over the airlines. Beyond that, the speed advantage does come into play.

Chris Dancy

You might find these systems are so expensive that it doesn't equal the savings.

Jayna Neagle

People should take every opportunity they can to save money because it really adds up, and the best way I know to do that is to make your savings automatic.

David Bach

There will be some cost savings that come out of this, but the focus is not on cost savings. It's on setting the right structure to grow the business.

John O'neil

Our national savings rate is still far too low, driven by a personal savings rate that is not where it should be.

Lawrence Summers

Paper costs money...you do not need to be a rocket scientist to understand that up to $3 billion in savings are possible.

Giovanni Bisignani

Millions of American seniors will soon be eligible for significant savings on the annual cost of their medications.

Mary Grealy

Instead of completely swearing off your credit cards, start off by having a small amount deducted from your pay and transferred into a savings account.

Rene Britt

This merger is not just about [cost savings]. It's the opportunity to integrate the two businesses and generate new revenue growth.

John O'neil

We are not surprised by the significant cost savings that our study concludes can be achieved without sacrificing safety and mission support.

Jim Benson

Newlyweds should get in the habit early in committing to retirement plans, especially those with matching features. Roth IRAs are a great vehicle for the newlyweds to start saving for the long term. They should understand the power of compounding and how their savings relates to their goals of buying a house or a newer car.

Harvie Roe

Contributing to a college fund for a grandparent can be very inexpensive. One good thing to encourage is gifts of traditional savings bonds.

Diane Harris

It's easy for young or single people to feel like they do not need to maintain any savings, because they may not have the financial responsibilities that come with having a family. In fact, they may be the most in need of savings, because they may not have an immediate family member to take care of them financially in an emergency.

Alan Kopit

In layman's terms, the state is saying that we have too much money in our savings account.

David Sharp

Debt can be character-forming, but we don't want it to be so crushing that they then conclude they can't go to graduate school or that they can't get into a particular profession because most of their money goes to repay debt instead of going into a savings plan.

Karen Foley

Paying down debt or increasing savings is probably the more prudent action at this point. We're talking about saving for that potential rainy day.

Timothy Wyman

As the life of the contract goes on, some of the savings go to the state and some of the savings go toward paying for the work. It's a long-term deal.

David Weiss

It's always good to have a savings account. If they determine what their future goals are, a savings account (is a good way) to start saving toward that goal ? maybe college, a vehicle, car insurance or a class trip.

Nancy Granovsky

I am confident that we could find enough savings to pay for the certificates by studying the city's current energy usage.

Tom Ivers

We're explaining where cost-savings could occur.

Paul Stamm

Offering banking services extends and strengthens the H&R Block brand and can benefit our clients who have limited access to basic banking and savings services.

Mark Ernst