I've been noticing quite a few questions being downvoted as well as vote-closed. In pretty well every situation, the close votes are pretty fair. Many of these questions however are salvageable.
This question for example: https://economics.stackexchange.com/questions/8350/determine-how-much-an-individual-will-save-depending-on-varying-values-in-their As it is now, it is a basic copy paste homework question not formatted particularly well.
A close vote is preferred in this situation because it a lot easier to undo. A question will show up in the review queue as edited after closing and people can decide what to do. A down vote will remain their long after a question changes from a bad to a good question.
Don't downvote questions which could be simply closed.