With GoingAsAGroup, merchants eat the cost of the group savings, but can potentially attract new users.
Created in 2010 from the merger of seven troubled regional savings banks, the group was already too fragile to take the required initial hit on its mountain of troubled property assets.
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As savings and credit for this group exhaust, more downward pressure is placed on demand.
Bass Group sold American Savings to, of all companies, Washington Mutual, in 1996.
The second group includes investment and savings incentives such as low rates for capital gains and preferences for contributions to retirement accounts.
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Originally dealing in savings and loans, American Financial Group later branched out into property and casualty insurance and annuities with the acquisition of Great American Insurance Company in 1973.
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Vanguard Group's Retirement Savings Trust stable-value fund, for example, had more than 9% in cash at the end of March, whereas longer term the firm would like to have only a 3% to 5% cash stake, says Sue Graef, a principal at the firm.
That startling prediction is contained in a 94-page report the Vanguard Group released this week detailing the savings and investing habits of 3.2 million workers participating in the more than 2, 000 retirement plans it administers.
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But Ratmoko chose to pool his savings with his brother and start freight forwarder Multitrans Group.
The government is keen to rush through a new law to reform financial regulation in Italy because of the collapse of Parmalat, a dairy group, which took with it the savings of tens of thousands of investors who held the company's bonds.
That group is more focused on their dwindling retirement savings than on buying a new or another home.
ING, a Dutch financial-services group, began pushing a telephone-based savings account in May, offering higher interest rates than domestic deposit-takers.
Their IT group has seen an estimated 75 percent cost savings in the first year of the service, and developers are planning to further enhance the system with things like the ability to upload photos.
Spaarbeleg, a savings and investment subsidiary of Aegon, a Dutch financial-services group, receives more than 2m calls each year at its call centre.
Morgan, an American bank which owns the American Century mutual-fund group, to sell funds bearing its own name through savings banks in Germany and France.
The second group: students from kindergarten through grad school tapping Coverdell education savings accounts.
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These benefits include cost savings, such as from procurement and sourcing efficiencies available to the enlarged group, and substantial new business opportunities.
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As the women earn money, the lending organization also provides them with a place to deposit their savings, and over time, these women become lenders to the next group of borrowers.
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In the letter the group states that its proposal "delivers the required level of savings, other than wholly through an increase in employee contributions, minimises the impact on the lower-paid and offers choice to individuals".
There is one extra bonus for a small group of people, mainly pensioners, who pay 10% on savings if they have no other income.
The Wiliamsburgh Savings Bank Tower, for example, has been converted into luxury condos by a group in partnership with basketball Hall-of-Famer Magic Johnson.
Mr Morrell, who has since been expelled from the party and formed a new group with a fellow member called Labour Councillors Against Cuts, said the forthcoming savings would "decimate services" and lead to numerous job cuts.
Pisano says the insurance group does not have its own studies on the cost -- or long-term savings -- of paying for autism therapy.
The Group of Thirty argue that it needs to be made easier to bridge the gap between global savings and long-term investment - otherwise countries will struggle to find the necessary funding for expanding infrastructure, factories and education.
Swiss banking group UBS has announced it is to cut 3, 500 jobs globally as part of its cost savings programme.
The group also found that more than a quarter of people who pay a mortgage or rent had no savings to fall back on if they lost their job.
The head of the eurozone group of finance ministers, Jeroen Dijsselbloem, said there were no apparent signs of increased withdrawals of savings from peripheral to core countries in the region as a result of the Cyprus crisis.
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