Moreover, the decrease in employment will be greater in the long run than in the short run, as employers shift to labor-saving methods of production.

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By reducing the state's role to that of setting the overall framework and providing a safety net, and by ensuring that every adult owns his or her own funded pension, the Tories hope to create a massive psycholgical shift in attitudes to saving.

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Many had predicted the economic downturn and consumer shift to more money-saving shopping habits would be a boon for the world's biggest retailer.

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Rather, economic growth is the result of hundreds of millions of individual decision-makers, each acting in their best interests to shift their consumption plans, saving, and investment in response to desirable opportunities that they face.

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While the fall in interest rates in 2009 helped people shift their spending into paying off debt and saving more, that process has fallen back.

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However, Scottish Widows said it also showed a positive shift in attitudes among women who were already saving into pensions, suggesting many of them were reluctant to cut their contributions.

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My tip would be to shift income to 2012 and expenses to 2013 for tax saving purposes.

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Indeed, one of the strongest arguments for a shift to individual provision is that it should raise the personal saving rate, which would help to foster economic growth.

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If there's one saving grace, though, it's that the Enter, Backspace and Shift keys are pretty oversized, so it's at least easy to hit those buttons square on the nose.

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Some will exchange all of their productive effort for the goods of others, while some will shift some of their consumptive ability to others wrought by their own production through saving and investment.

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