Ok. I mean. You have. Basically. Enabled for. This. To almost anywhere in the world from. The movement of people is a very predictable. Recently and type of business investors view that when the conference Western Union which helps facilitate the market share we do as a very resilient Business Model that generates fees when people send money home eighty billion dollars flows through the Western Union pipes out of four hundred billion on average of the flows around the world so people think about investments and how they view Western Union good enough is how much of their revenue mix is recurring is it a fee based business or is a one that there are risks credit risks where lynn lending money thats not the case for Western Union and it was a small just to help facilitate the move the money around the world. No one. No. One. Or type got eight children who live there. Say. Six in miami. One in new york and one in virginia because. They make a big contribution to our Living Expenses you know about eighty percent towards our costs here and the house you know. That wasnt easy for us. But maybe it was a blessing that they immigrated when not. Thanks to their money my wife is still alive. And the number is but im told my name is brando. I work on construction sites in miami and i earn fourteen dollars an hour. And i dont mean members you know i left on doris in one thousand nine hundred seventy you know. The money that i sent to my family and on doris is from my mother and my father. And they use it to buy from. And call me that my mother suffers from diabetes and we monitor by so so they also need to pay for my mothers medication im getting something in may soon as well. I think the secret of the brand of Western Union is how immigrants relate to western europe and my line has been very interesting i think and its really true if we understand most countries that immigrants are coming from either latin america or anyplace else most of the of the telegraph companies and those countries are national are actually run by the government are fully into the post office is seen as a governmental entity and if youre using that for a transaction theres an assumption that is protected that its trade that theyre not going to cheat you and Everything ElseWestern Union is perceived by people outside of United States as literally being a u. S. Government company which is isnt right and never was so immigrants coming abroad trying to decide that they want to send money home automatically based on her experience of assuming the western must be the u. S. Governments way thank. God out of money. And the not going to. The. The a now and the and the and. The best. There was. I do. Believe. The a. And then a man was no big he made a little who good Money TransferMoney Transfer and then even exist in one thousand ng. And the american bank. The one to the business. Way the mexican bank and people. Used to send money through envelope by irreverently him and their rent them out to travel to mexico. When ten fifteen them below full and when dollars two hundred dollars one hundred on one m. We form intending to have company. In the standard his. Own by me and my wife and then within time either of company allowed us to send money to foreign country and i remembered the first. Few transaction we done there was twenty thirty and forty and they use let me come under in the enemy come five hundred then become a thousand then we come five thousand each then he sold we really invent their wired transmission business in california end there. I think once the you know. Some of us is the how to send money. I send seven hundred euros to my wife three hundred euros to my parents. My boss lets me stay with them for free. My parents are farmers. They grow their own rice and vegetables and dont have any additional income to me than three hundred euros cover their household costs like a kind of pocket money. My wife gets the remaining seven hundred euros or. It isnt easy for her because she has to look after our child. She used to spend a lot on clothes. In china i used to work as a cook the job wasnt good and the pay wasnt enough. When i thought about my future i knew i wanted to get married and build a house but i didnt know where i should find the money for that and lots of people from my village got married and bought a new house or so after they had worked abroad they came back rich and successful. Everyone embraced them. I was still young and wanted to take that chance to. See the. Issue as i did i was a wife. Who searched for economic opportunities. But there is a cost benefit calculation to the search for work to do so one of the music also leaving for example. Exe coast in nicaragua a daughter forty cents in costa rica dollar eighty five in washington d. C. Cost two dollars. In germany it. May be true though the first thing sets so. Moving when it comes to basic commodities the basics. The. Beings. Even. They become so expensive that the cost of living in my view sometimes is similar to the ghost of living in washington d. C. So you can look to for if youre going to make anybody who goes. For diving by those needs you. I think its difficult. To pinpoint certain events to the charge of Western Union with the arab spring was a big major event and. Resulted in people leaving egypt for example going to italy i think the bigger factors that drive Western Unions performance is demographics. But sure theres still a Huge Population globally of people under thirty who are looking for work and the second is the big income gap the difference between countries like in the genie seven countries the real rich countries people in those countries like their states make sixteen times more than someone in a developing countries thats always going to be the primary factor when you have these events like the arab spring or some factors that more i view them more as a catalyst and just kind of keep pushing that trend along a little bit but its not the its not the big invisible hand is pushing migration flows as demographics and income disparity and so as long as that exists theres going to. Migrant migratory flows those two factors. Thought i thought. Oh god called this day and it was the last thing is do these things work easily at home especially financially. While e. L. O. My husband is ill and cant work get lives i worked in a shop but didnt earn enough. And thats why i came here on the part of the inflation rate in katmandu is much higher than it used to be in a hurry back then the rent was much cheaper than was now room costs up to four thousand rupees a month an egg used to cost five rupees and now it cost ten rupees such a balls are more expensive to a kilo what price used to cost thirty or thirty five rupees today you know it costs fifty to eighty miles is something. Wrong actually this is in the outskirts of london but. You have more of the builders living in this area so our regional clients here in this particular area is b. C. Is like no more than one hundred thousand that were nothing wrong with the average income of these people it is almost like four hundred dollars profit three hundred dollars the limit on their countries will be our agent too many officers for right now for example mr x. s money speed limits and a couple of more a Service Provider so what we do with is that the customer comes in we give them the. Best service why doesnt the government money to their good friends talking about it why is that. Done. Well i was in mexico at the time and standing at a conference of mexican americans living in mexico in the United States immigrants and i run out of money. And they are school one of my associates here in ny and they may stay through for work me two hundred dollars. If you went through to there were three union. Store and he sent me. Two hundred dollars. I was expecting to receive two thousand messages but they only gave me sixteen hundred the very first involvement that i had with Western Union was triggered by a client and friend of mine luis belisle and he called me. Would have been the late one nine hundred ninety s. To complain about the fact that money that he was trying to receive in mexico sent from a colleague via Western Union was being received in less than the amount that was sent from there i began looking into the company and that led to the lawsuit against Western Union which was my first relationship with the company and when i came back here to the United States. The first thing i did the west tool a friend of mine who used to be as supervisor for Western Union. And he says well its. Very complex there you will dont understand it then that i said yes i would understand it but i am expecting my forty dollars by. A typical advertisement in a. Almost always in latino communities narrowed states would be a smiling mexican compazine all. With the legend send up to three hundred dollars to mexico for only twelve dollars and it would be true that the service fee for these companies would be as advertised in my example twelve dollars what they werent telling people is that they were making vastly more than that and each and every transaction by Interest Rate differentials so our claim was that they were defrauding their customers by leaving them to believe that the only expense on the transaction was the twelve dollars and they were concealing the thirty dollars that is the. Whole point of the lawsuit. Had people known and people didnt know at that point that they were being charged with that and they were talking about billions and billions of dollars that were being tapped secretly by their by a corporation but its already stinking gleefully which the subtle not that we reached provided for about four hundred fifty Million Dollars in rebates to the customers of the three companies. Or now not at all my fellow mom how are you. Going im im phoning to tell you that i send some money by Western Union i send you one hundred dollars. Write down the code says the code is twenty sixty five seventy three. Eighty nine. Ten. In my bed. A hundred dollars will stick your mother as a mother but. Knows. The way western youre not great it is said operates that every of their sites has money tied to one of their bank. And they instruct me affiliated to a deposit into their banks thats how they they do that type of stuff so all their agents got money and western counts someplace in every country whether theyre sending countries or receiving countries type stuff and Western Union you so love to ride the money right every day it was holding it was making interest right it was earning interest per day all banks are in per day and if you say do that its now finding itself an extremely competitive market for a lot of the Companies Say in two hours your money is there which means how long are you holding right so Western Union was only one of the places that least of all wanted to deliver within two hours and even today you go to the side so no show you different rates and they charge more depending on how soon your your family members pick up the money. I can do it in our village seventy percent of the locals are young but theyre going there leaving. Them this summer and luckily they have accidents on route never been to that or they return home crippled and here we see young people in groups of up to thirty leaving here. On a hump. Others go alone and then. Some of them pay coyotes what people smugglers thats on. Their land there are people whove sold their homes so they can send their children there and think theres. No that. And then. It used to be different. People didnt pin all their hopes on the u. S. Yeah but weve always struggled financially better a lot and theyre out what out for still there were options you know there was farming. And there you could grow crops to yourself and you had something to exchange for milk and cheese. And then lets. So again in this neighborhood you theres a lot of multiple housing it is a bit of a lower income they were good at high crime. And we had a dropout that was over here. If you look out they kept the people up on the second story so its even harder to get them. As we came through the house two of the six smugglers they were holding the individuals in the house were armed went out the back door the officers in back arrested those two as we went up stairs the stairs up there all of those windows were boarded up on the inside there also a lot from from the outside so the individuals cant get out and the one bedroom there was four women and a five year old child and then in the other two bedrooms were all hispanic males stripped down just to their underwear their clothes shoes everything had been taken and which is not uncommon they theyll keep that off the side keep some vulnerable keep them contained. So if they try and run away or try and get away theyd be running around and theyre under one arm so theres thirty six people in there thats ninety thousand dollars of cash in there twenty five hundred pieces that thats just one loan one load when theres maybe ten thousand a week coming through during the peak season of. You know alien smuggling railing in transfer or immigrant cant order. Are. There. Or not. Or many reasons where we found Money Laundering to be important but the main one is we were here on the border we saw significant illegal activity coming across the border and we were aware that there was a disproportionate amount of cash coming into the state they had no business relationship with the state we couldnt find a legitimate reason why Western Union for example had a one hundred one hundred to one ratio between money coming in there as owner and money going out from arizona so we first started watching those just telegrams just wire grams or cash was from five hundred six hundred Million Dollars a year well then usually the money was payment for transportation so first it came to the agent of the transportation agent the person who who paid off the various drivers and guards say and the keeper of the dropouts there are lots of expenses in this activity and then the profits over that were subsequently shipped back to mexico. If you move up the chain or the hierarchy of the. Money transmitter business to make it. For the amount of sales that goes through the store they get bonuses for having the number one store. Thats making the white panthers some people that theyre so greedy and. Dont dont see pictures that i think are cheap. Seeing the dollar they turned a blind eye that that dollar they get. And as we kept digging we started finding out that the money transmitter them south. Had documents in it and actually. Been told by individuals in the corporation that during this time of the year we get more money because thats one human smuggling our focus was on the original Wire Transfer where it was the preferred method of being paid by the us because it was quick it was virtually anonymous and it allowed them to be sure that before they left their cargo of individual coming across the border or go from the drop outs that they were going to get paid. When if if the welcome please enter your full name on line six. Join the journey watch your own watch or Johnny Johnny was there. Why did the country lack of security threats or unemployment. Unemployment. Put him where were you deported. For driving without a license. They chain our hands and hips together and put shackles around our ankles. Thats how they send us back. And up in the plane about thirty minutes before we land in honduras they take off our handcuffs. Take has remained steady theyll be more than forty thousand deportees b. C. M. But estimates also show that every day about five hundred hondurans want to leave the country. So on balance there are definitely far more emigrants than deportees. Being deported for the fourth time this is the fourth time that im going back home. What that is i dont actually want to go back home anymore but my children are there you go thats the reason is that what youre going to get in otherwise i wouldnt go back anymore. You know with the surveys also show that people who have been there longer you know the ropes and have reached a certain level of stability of being deported as well it seems to be a strategy but at least it looks that way. That they hear. You replace and let the Current Population with new immigrants who demand far less pay for the same work than those who have been there longer and have improved their situation. Because one of the must be employers that are yeah yeah you know for months on those it was young lemon that i always said my mother one hundred or two hundred dollars. And she was very pleased about that you know mom would go she was very happy to receive it we had. I brought here different there are different ways to send money and that were going to work with the you know i sent it via Western Union mr you noticed in Western Union is like oh whats the word. Like a mail order company. You go there send two hundred dollars and they take twenty dollars or thirty dollars for three hundred. Labor follows capital and thats why we see these workers in the United States thats why we see african workers in Asian Countries thats why. Theyre going where the jobs are they live in the shadows all around us millions of them and because they live in the shadows they lose access to Certain Services such as the more sophisticated and by sophisticated i mean checking accounts right now that nat you know hedge funds but the. Basic middle class sophistication they cant avail themselves of it they cant lay down roots they dont want to create permanent places where their money is held because they may have to move they might have to move quickly either for another job or because word is out that the immigration authorities are going to be coming to their job or coming to the place where they live and so they are forced to use these sort of quickie one shot Money Transfer places when theyre sending money home thats a Western Union as compared to a bank its the Convenience Store its terribly expensive but its right there and they want to ask many questions and you dont have to have an established account and you and you can why dont you can walk in and say you hear me and if you have a license plate identification that has my name on it thats fine thats all we need all we want is your money you dont have a long term relationship with us we take your money we send your money we collect the fees and go back. It was. In the past my family got ten thousand Chinese Renminbi for one thousand euros now only eight thousand. Because of the new International Rules the renminbi is more expensive the Exchange Rate is not as favorable as it used to be. Last year it was better with the same salary i send more money home to you starting from last year the Exchange Rate constantly drawn. To those who had members but. I want to. See what you get out you i just sent a text message to my wife telling her that i have sent her fifty euros by money gram it costs about fifteen year i was later i was kind to make sure the family is at home and tell them i have sent money. Commences are so creative. I would not survive without that service as a lot of not so why would i remember so serves a whole. Country are really surviving because of remittances that are being sent home by him or her bangladesh and when you start putting the numbers together its impressive. Basically remember serve. Are really very. Theyre theyre paying for their theyre paying for an airplane theyre basically for families there are paying for an education for the kids a school in thrilly extremely basic remittances money and means that as your ability to pay debt it means you can generate funds a Community Use for all types stuff the latest stuff that Western Union talks about even in their own propaganda is how remittances Economic Development. That are immense is the best thing you know its the jam on the bottom right of Economic Development that is the vehicle that people can invest them back home to create jobs and opportunities and all that stuff. You know. Practically stop working and just wait for remittances. This development is apparent in various countries. People only decide to work at the wages they get for their well generally higher than the Money Transfers they receive. Sometimes incomes of this kind stimulate the local economy a little. In some places with high immigration rates you can even witness people investing in houses and Living Conditions improving. But that is in stark contrast to the neighborhood they live in because the rest of the population who dont receive remittances continue to live in extreme poverty. You know the in the. Near term is what i think i mean you need both. What these companies represent are huge financial concerns and they exact extremely high prices from them. When apple computers. Its a problem because the Customer Base for i phones and i pads are people with more money. In the Western Unions of the world do it to market workers they are taking advantage of people who are sophisticated and who have very little money and they exact profits that are incredibly handsome. So. Yes i think. The term it is is it illegal. Under existing law. If i managed to save some money within two years back to and open a small shop and live off that. You know. Because life in the u. S. Is very hard for me. That off. The top of it. If it would. Never call it was. A lot. Of. Good. Luck. With the. Police. Not much. At all just. Plug. On the. The scorpion is their superstars and theyve been rocking fans the local more than fifty years on stays in the museum. And in the documentary for ever ended a. Glimpse of the scorpions a special on. Topics more than thirteen it is hard to believe. The whole d w one up. For Global Insights the news out for local heroes. Double made for mines. Every journey begins with the first step and every language with the first word published in the. Nico is in germany to learn german why not learn misspelled simple online on your mobile and free themselves from d w z learning course nikos fifty german made easy. On civilians during the march the situation escalating. Players are no longer a candidate for scruples playing with ruthless calculation military leaders work out the extent of the misplaced control of the airspace as it does emitting a flame technological current the conflagrations misplaced destruction plane aerial bombing from get me come to hiroshima starting february third t w. The u. S. Government has shut down after congress failed to reach a deal its that democrats blocked the measure because it failed to include protections for undocumented immigrants brought to the u. S. As children it means government workers will stay home with the most essential operations