Can someone explain how this article isn't self-contradictory? On one hand, "In January, Americans saved 5 percent of disposable personal in­come, up from 0.4 p

Can someone explain how this article isn't self-contradictory? On one hand, "In January, Americans saved 5 percent of disposable personal in­come, up from 0.4 percent in the fourth quarter of 2007" but on the other, "We also need to start investing again". Where are those additional savings going? Barring folks stuffing the money under their mattresses, it must go into some investment instrument, which means it's going into either equity or loans to businesses, or into banks where it goes into loans to businesses or consumers (other than banks building up a buffer against the risks they're finally recognizing). If those loans go to consumers, they must obviously get spent. If we're talking about any of corporate equity, corporate debt, or bank loans to companies, all three of these things are investments in future production. The only discrepancies should be those bank buffers, and any investments going overseas. Money always gets spent, it's really just a question of how quickly, and on what. Also, "Last year, Delaware ... saw new incorporations drop by 25 percent [relative to what?]." Well, at least part of this is our own doing. This has been going on for several years, but new incorporations have been down for several years to the costs and risks that were added by Sarbanes-Oxley. See, e.g., here http://www.nysun.com/opinion/reclaiming-the-market/46366/ http://www.nysun.com/opinion/reclaiming-the-market/46366/ and here http://findarticles.com/p/articles/mi_hb042/is_2003_Nov-Dec/ai_n29046313 http://findarticles.com/p/articles/mi_hb042/is_2003_Nov-Dec/... . So it's not clear how much of this effect is due to the current drop and how much is intentionally self-inflicted.