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SAVING: The after-tax disposable income of the household sector that is not used for consumption expenditures. In general terms, saving is the use of income to purchase legal claims through financial markets rather than the direct purchase of physical goods and services. In the macroeconomic world modeled by the circular flow, saving is the diversion of household income away from consumption and into the financial markets. In this model, saving is a primary source of funds used for business investment expenditures for capital goods. Saving is also used to finance government expenditures.

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PROCESS INNOVATION

An innovation that is an improvement in an existing product, technology, or idea or an improvement in the way a product, technology, or idea is produced. The contrast is with a product innovation, which is an innovation of a new product, technology, or idea that generates a beneficial improvement in society and the economy; one that is fundamentally different from existing products, technologies, or ideas.

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Today, you are likely to spend a great deal of time watching infomercials trying to buy either decorative picture frames or storage boxes for your income tax returns. Be on the lookout for crowded shopping malls.
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In his older years, Andrew Carnegie seldom carried money because he was offended by its sight and touch.
"The difference between the impossible and the possible lies in a person's determination. "

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