SAVINGS ACCOUNT IS ESSENTIAL FOR FUTURE NEEDS. I ASK EVERY FAMILY TO "SAVE MINIMUM" 10% OF THEIR EARNINGS. Post office savings is better than "commercial" bank savings NOW for following reasons.1).Post offices network is vast so that account holder can access his account from anywhere in present internet age. 2).Post office savings schemes are tailor-made for low-income and lower middle-class income families.And 3). Money saved in post offices are meant for availability towards low interest financing Indian govt infrastructure projects like roads and bridges etc.That means post office savings account holder is participating in low-interest financing Indian govt infrastructure projects AS ITS WORTHY CITIZEN.