Over the past year there has been little sign that people are saving less and spending their capital gains, so a slump in share prices should not have much impact either.

过去的一年里，几乎没有迹象表明人们储蓄减少、资本收益支出增多，可见股价的暴跌不会产生巨大的影响。

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The housing market's downswing may not yet be over; and its weakness could prompt consumers to increase their ultra-low saving rates, cutting into demand.

房屋市场的衰落趋势或许尚未结束，而且其疲软状态会促使消费者提高原本处在极低水平的储蓄率，这会降低需求。

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Economists think they can explain changes in saving behaviour over time and across countries without reference to cultural norms.

经济学家认为，他们不用参考文化习性就能够解释各个国家与各个时代的储蓄行为变化。

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With a savings rate of barely 4% of GDP, the average US household is unlikely to be over-saving.

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Another example he did not work on was a project for a financial institution to develop an algorithm that screened for customers who would not be likely to repay their loans, keep them from over-borrowing, and saving the client millions in loan write-offs.

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But Republic believes so many people connect their phones to Wi-Fi so often that most calls and other activity will be conducted over Wi-Fi, saving the company money on payments it makes to Sprint.

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