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"MONEY HOME"
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Conscious money : living, creating, and investing with your values for a sustainable new prosperity
\"Patricia Aburdene, author of the bestselling Megatrends 2010, brings together the spiritual and practical in a guide to achieving prosperity through the values-based megatrend of Conscious Capitalism. In Conscious Money, Patricia Aburdene shows readers how to grow wealth by honoring and integrating their values with sound money sense. She offers practical strategies to penetrate paralyzing fear in the face of stalled real estate sales, a volatile stock market, and the threat of job loss--and gives concrete advice on how to navigate a radically different economy as the recovery gains traction and new opportunities blossom. Conscious Money aims to shift financial thinking from dread to empowerment. Conscious Money is a megatrend, a grass roots movement that promotes a holistic and values based approach to money. While the traditional model favors investors only, Conscious Money is centered on honoring personal values, customers, employees, suppliers, communities, and the environment as well. Readers learn how to define their personal money values, close the gap between spiritual thinking and money, and listen to their intuition, while simultaneously acting with sound money management principles\"-- Provided by publisher.
Book
The Germany-Serbia remittance corridor : challenges of establishing a formal money transfer system
Serbia has become one of the largest remittance-recipient countries in the world. It is estimated that in 2004 Serbia received US2.4 billion dollars in remittances from Serbian workers in Germany, the United States, Austria, Switzerland, Italy, and other countries. This amount represented 12 percent of Serbias GDP. This report provides an overview of remittance flows from Germany to Serbia and analyzes why a large part of remittance transfers take place outside financial institutions. The study presents a series of recommendations on needed policy changes to facilitate the transfer of remittance flows from the informal channels to licensed or registered financial institutions, thereby maximizing the developmental impact of remittances, reducing remittances fees, improving data collection practices, and strengthening the regulation and supervision of themoney transfer industry.
eBook
The $1,000 challenge : how one family slashed its budget without moving under a bridge or living on government cheese
\"A funny, useful guide to saving $1,000 a month, based on the popular series in The Detroit News. With middle-class families more stretched than ever, nationally syndicated personal finance columnist Brian O'Connor decided to test his own advice about saving money. He began a ten-week experiment to cut his family's monthly expenses by $1,000-without sacrificing anything truly important. The result is a funny, savvy guide to budgeting in the real world, across ten different categories of spending. It can help families eliminate petty squabbling about money and feel better about where those hard-earned dollars are going\"-- Provided by publisher.
Book
The Canada-Caribbean remittance corridor : fostering formal remittances to Haiti and Jamaica through effective regulation
Several economies in the Caribbean region, especially from the lower income group, are highly dependent on remittances. Between 1991 and 2006, the combined flows of total remittances reaching the Caribbean have seen almost a 17% average annual growth rate, surpassing USD 6billion in 2005 and overtaking ODA and FDI into the region. In addition, remittances represent more than 20% of the domestic gross domestic product (GDP) in some Caribbean countries and have played a significant role in lessening both balance of payment deficits and the impact of natural disasters to which the region is particularly vulnerable. Given the importance of such remittance flows, this study undertakes an analysis of the various dynamics underlying the Canada-Caribbean remittance corridor, including Caribbean migration issues, remittance market landscapes and regulatory frameworks. This study is intended to assist Canadian and Caribbean national authorities in their mandate of providing incentives for the continued growth and competitiveness of their remittance industries, while protecting remittance markets from being abused by criminals.
eBook
The market for remittance services in the Czech Republic : outcomes of a survey among migrants
This survey was conducted by the World Bank Payment Systems Development Group, at the request of the Ministry of Finance of the Czech Republic, as a follow up to the World Bank-led mission that visited the country in 2008 to assess the market for remittances. This survey aims at analyzing the main characteristics of the market for remittances in the Czech Republic and should serve as a guide for both public authorities and the private sector in identifying possible actions to improve the efficiency of the market. A total of 880 migrants from eight different nationalities were interviewed during the summer of 2009 in Prague. The nationalities selected represent the largest and most important migrant communities in the country: China, Moldova, Mongolia, Poland, the Russian Federation, the Slovak Republic, Ukraine, and Vietnam. The following main findings can be extracted from the analysis of the survey's outcomes: i) a low level of transparency and consumer protection can be observed in the market for remittances in the Czech Republic. Senders are often not provided with all the relevant information by the Remittance Service Provider (RSP) at the moment of the transaction; ii) the lack of transparency is confirmed by the analysis of the cost as perceived by the interviewees, who do not generally consider the margin applied by the RSP as a price component. As a result, remittance senders are in general not aware of the actual cost that they are paying for the service; and iii) the market is dominated by Money Transfer Operators (MTOs) and, in particular, some MTOs hold the great majority of the market shares.
eBook
The Malaysia-Indonesia remittance corridor : making formal transfers the best option for women and undocumented migrants
In Malaysia, Indonesian migrants are showing an increasingly clear preference for informal transfer mechanisms compared to their counterparts in other countries. A little less than half of all Indonesian migrants overseasthought to be around 2 millionare working in Malaysia. An increasing number of migrants are women, and the corridor is also marked by a high number of undocumented migrants. Despite the increasing flows of migrants, only about 10 percent of the estimated flow of remittances into Indonesia from Malaysia is transferred through the formal system. The extent of the preference for the informal sector is unique in this corridor. Indonesian migrants in other countries are using the formal sector far more than the migrants in Malaysia. In addition, Indonesian women and undocumented migrants in Malaysia especially find formal sector transfers either hard to access or inappropriate for their needs. To this end, the study assists policymakers efforts to increase the impact of remittances on economic development and poverty reduction in Indonesia and to investigate options for attracting more migrants to use the formal financial sector. The report provides a descriptive overview of the MalaysiaIndonesia remittance corridor and suggests policy avenues for improving access to formal remittance transfer channels; increasing the transparency of the flows and the cost structure; and facilitating remittance transfers, particularly for undocumented and female migrant workers.
eBook
The UK-Nigeria Remittance Corridor : Challenges of Embracing Formal Transfer Systems in a Dual Financial Environment
The UK-Nigeria remittance corridor has an equal dominance of formal and informal remittance intermediaries. Although several formal financial institutions for transferring money exist in the UK, many people choose to send money informally. More collaboration between the UK and Nigeria is necessary to develop the remittance market, to encourage the use of formal channels, and to enhance the development potential. Among its benefits, the remittance country partnership (RCP) between UK and Nigeria aims to reduce the cost of remittance transfers. The Nigerian government is engaging its diaspora to help spur economic growth. This report recommends that each government focus on improving data collection at its end of the corridor and do more research to provide its policymakers and its private sector with accurate information.
Publication
HOW TO COPE WITH PLUNGING STOCKS
That's what is inside the envelopes from the brokerage firms and mutual funds showing jaw-dropping third-quarter numbers for the billions invested in 401(k)s and retirement plans. After being spoiled by an extended bull market, in which it seemed that all investors had to do was sit back and watch their money grow, workers across the city are finding out what it's like to have their investments clobbered, thanks to the world economic crisis and the severe selloff in stocks. Marjorie Newman, a 37-year-old nurse at Montefiore Hospital, added, \"Even though it'll be about 30 years before I can afford to retire, you can't help but wonder if there's going to be anything left. I can't get it now, though, so there's nothing I can do.\"
Newspaper Article
Credit Supply and the Housing Boom
An increase in credit supply driven by looser lending constraints in the mortgage market is the key force behind four empirical features of the housing boom before the Great Recession: the unprecedented rise in home prices, the surge in household debt, the stability of debt relative to house values, and the fall in mortgage rates. These facts are more difficult to reconcile with the popular view that attributes the housing boom only to looser borrowing constraints associated with lower collateral requirements, because they shift the demand for credit.
Journal Article
The Home Economics of E-Money: Velocity, Cash Management, and Discount Rates of M-Pesa Users
We study the mobile phone-based money transfer system in Kenya. Based on aggregate data, we estimate that the velocity with which units of e-money are transferred among users is approximately four times per month, and that the average number of transfers undergone by a unit of e-money between its creation and destruction is approximately one. Most M-Pesa transactions are made by frequent users. Examination of data on withdrawals shows a high frequency of small withdrawals and no response to “notches” in the price schedule, indicating that many users seem to have high implicit discount rates.
Journal Article