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1. The key lies in those personal savings.

2. The personal savings rate has already started to bounce back, and is sure to rise further this year.

3. Real incomes and personal savings were rising along with increased industrial output and business dividends.

4. About half of personal savings are channelled into these institutions via regular and single premium life assurance and pension payments.

5. The personal saving rate is a very poor metric.

6. The personal saving rate has jumped from 0.4% in 2007 to a whopping 6.9% in May.

7. For decades, the personal saving rate hovered at about seven or eight percent.

8. The personal saving rate dropped from 10 percent of disposable income in 1980 to about 2 percent 20 years later.

9. Still, the personal saving rate can be a useful barometer.

10. And income - based measures of personal saving moved back into negative territory in late 2007.

11. "Personal saving rate" is an economic term for income that is not used immediately to buy goods and services.

12. The personal saving rate for May 2008 was 4.8%, then 2.5% in June, and 1.7% in July.

13. During the early 1990s, the personal saving rate began to drop. For the past ten years,(Sentencedict.com ) it's mostly been two percent.

14. The U.S. personal saving rate, barely positive in recent years, spiked to a 13-year high of 5 percent in May as debt-strapped consumers held onto a large share of the windfall.

15. The personal saving rate is expected to average 4 percent in 2010, the highest rate since 1998, the group said.

16. And it also looks like the personal saving rate in the U.S. has increased to levels last seen during the mid-1990s.

17. Pension contributions of employers and employees fell from around 42% to about 30% of total personal savings over the same period.

18. Because borrowing has become easier, and because confidence has been high, personal savings have been falling around the developed world.

19. In setting the final rates of conversion, a distinction was made between graduated levels of personal savings and assets and liabilities.

20. Some of the money was raised in the form of war bonds, and personal savings in general rose enormously.

21. The last issue to be discussed in this section concerns the effects of taxation on personal savings.

22. The essence of personal pensions was that it extended choice and encouraged personal saving.

23. "We are committed to taking measures to maintaining greater personal saving and to reducing the federal deficit to a sustainable level by 2013," Geithner said at the opening session of the talks.

24. For these reasons, it makes sense to use the personal saving rate as a gauge.

25. Data released in November showed U.S. consumer spending dropped 0.5 percent in October, its fifth straight monthly decline, while the personal saving rate climbed to 2.4 percent.

26. As you can see from the BEA graph, the current recession has had a huge impact on the personal saving rate.

27. Although saving money helps individuals repair their finances and pay debts, a sharp rise in overall personal saving can actually deepen a recession and hurt the people who are saving more.