To enable. This. Anywhere in the world. The movement of people is a very predictable. Business and. Business model. People some money home eighty billion dollars flows through the Western Union pipes out of twenty billion on average that flows around the world so people think about investments or how they view Western Union cleaning houses 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 when money money thats not the case for Western Union and a Business Model just to help facilitate the move the money around the world. Who. Always have got eight children who live there. Say. Six in miami. One in new york and one in virginia and. They make a big contribution to our Living Expenses and 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 well. Thanks to their money my wife is still alive or not thank god. And you know im biased but im going my name is brando. I work on construction sites in miami and i dont fourteen dollars an hour gusts and i dont mean those who have not left on tours in one thousand nine hundred seventy. The money that i sent to my family in under us is from my mother and my father. And they use it to my phone. And call me that my mother suffers from diabetes and they monitor by so so they also need to pay for my mothers medication im getting something in may soon as well. Thanks. 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 calligraphic companies and those countries are national theyre actually run by the government or failure to 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 our experience of assuming that western must be the u. S. Governments right thank. You. The an ace the and. The best bet there was. Even. Another time a man was in the big city very little food good Money Transfer money trust and even exist in one thousand aiming. Their american bank. The one to the business. Way the mexican bank and people. Used to send money through embattled bhai irrelative and theyre renting them out to travel to mexico. With ten fifteen amoco full oh and with almost two hundred dollars one hundred on whatever we form intending to have company in london his. Own by me and my wife and within ten eyck of company allowed us to send money to foreign country and i remember dave first. Few transaction we done there was twenty thirty and forty and they. And then they become five hundred thousand pounds each. So all. The while Mission Business in california and. 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 who. Lets me stay with him for free. My parents are farmers. They grow their own rice and vegetables and dont have any additional income for. The three hundred euros cover their household costs. 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. In 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 new houses after that. They came back rich and successful. Everyone. I was still young i wanted to take that out to. You show that i was a wife and you know. This search for Economic Opportunities gets you out of the cold but there is a cost benefit calculation in the search for reportedly someone of the music also leaving for example a dozen of eggs cost in nicaragua a dollar forty cents in costa rica a course in dollar eighty five cents in washington d. C. Coast two dollars. Jeremiah it. May be. So somebody. Leaving when it comes to basic commodities the basic. Beings. Even. They become so expensive. The cost of living in my view sometimes is the cost of here in washington d. C. So you cannot afford if youre going to make it if he goes. For diving by those needs you. I think its difficult. To pinpoint certain events. 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 an ingenious seven countries the real rich countries people in those countries like sixteen times more than someone in a developing countries thats always going to be the primary factor and then you have these events like the arab spring some factors that more i feel the more as a catalyst im just going to keep pushing that trend along a little bit but its not the its not the big invisible hand thats pushing migration flows its demographics in the income disparity and so as long as that exists theres going to. Migrant migratory flows those two factors. Got called the theory hostile asking is do these things work easy at home especially financially. While yelling my husband is ill and cant work. Nope i worked in a shop but didnt earn enough. Thats why i came here the inflation rate in katmandu is much higher than it used to be in the four hey i like then the rent was much cheaper than was now room costs up to four thousand iraqis a month an egg used to cost five rupees and now it cost ten rupees that are more expensive to a kilo what price used to cost thirty or thirty five rupees today you know it costs fifty to eighty something. The. Last bronze actually this is in the outskirts also. Have more of the laborers who are living in this area so you have regional clients are in this Photo Gallery and yes we see it like more than one hundred thousand that were going all the average income of these people is almost like four hundred dollars probably three hundred dollars limit on the face of the art engine to many long piece of risk right now for example mr x. s money speed limits and a couple of more us soldiers who are there so what we do with it is that the customer comes in the hell out of it give them the. Leave the best Service Providers out of the government money to their friends courting digitised. Well i was in mexico at the time and handing out a Conference Call the Mexican American living in mexico in the United States and immigrants and i run out of money. And i ask you one of my associates here and there and they may stay through for work me two hundred dollars. If you went through to their Western Union. Store on he sent me. Hundred dollars and i was expecting to receive two thousand testers 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 ben iow 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 so when i came back here in the United States. The first thing id be in 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 then understand it then that i have yes i would understand it but i am i expect in my forty dollars by a typical advertisement in a. Almost always in latino communities nine 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 were telling people is that they were making vastly more than that on each and every transaction by Interest Rate differentials so our claim was that they were defrauding their customers by leading them to believe that the only expense on the transaction was the twelve dollars and they were concealing the thirty dollars that is the. Hope point of the lawsuit. Had people known and people didnt know at that point that they were being charged with that if they were talking about billions and billions of dollars that were being kept secret from me by york and by a corporation but its already stinking people each settlement that we reached provided for about four hundred fifty Million Dollars in rebates to the customers of the three companies. On the logical model fellow mom how are you. Going im im im phoning to tell you that i sense a money by Western Union if i send you one hundred dollars. And theyre probably not but theyre like well write down the code since the code is twenty sixty five seventy three. Eighty nine was. Ten yes. One hundred dollars was take care mo but. Yes. Thank. The way western youre not great it is said operates that every of their sites has money tied to one of their back. And it did strike me before we get into a deposit into their banks thats how they they do that type of stuff so all their agents got money and western accounts someplace in every country whether theyre sending countries or receiving countries type stuff and Western Union used to 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 interest 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 it right so Western Union west is one of the places that least of all want to deliver within two hours and even today you go to the side so no show you different breaks and they charge you depending on how soon your your family members pick up the money. In our village seventy percent of the locals are young but theyre going theyre leaving. Them somewhere unluckily they have accidents on route never do that and they return home crippled and. We see young people in groups of up to thirty leaving here. And then theres the nonplus go alone and then. Some of them pay coyotes what people smugglers think that thats on. Their land there are people whove sold their homes so they can send their children there and think yeah then theres a someone that loves it. 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 then i went out for that but still there were options that you know there was farming. And there you know about it but you could grow crops to yourself and you had something to exchange for milk and. And meet at the net and they can sort of let out of the. So again in this neighborhood you theres a lot of malta housing it isnt a lower income they were good but high crime. And we have a drop house that was over here. If you look out they kept the people up on the second story so i think it harder to get out. 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 one from from the outside so the individuals cant get out and no 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 other clothes shoes everything had been taken which is not uncommon they theyll keep that off the side keep some Vulnerable People some contained. So if they try and run away or try and get away theyd be running around and theyre under an 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. You know ailing smuggling railing tranter. Immigrant cant order. The border but are. There ever get out of korea or not the next. Many reasons why 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 that 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 or sauna and money going out from arizona so we first started watching just just telegrams just wire grams or cash was paying five hundred six hundred Million Dollars a year well and 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 and the keeper of the drop outs 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 go through the store they get bonuses for having the number one store. Thats making these Wire Transfers some people that theyre so greedy end. No i dont speak pictures that i think. Are chasing the dollar and 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 and actually. Been told by individuals in their corporation that during the time of the year we get more money because thats one human smuggling our focus was on the original Wire Transfer which was the preferred method of being paid by the. Because it was quick it was virtually anonymous and it allowed them to be sure that before they left their cargo the individual coming across the border go from the drop outs that they were going to get paid. When it came to the olympics please enter your full name on line six. Join the journey watch your water Johnny Johnny was there. A chemist why do you think the country lack of security threats are unemployment unemployment. Why were you deported. More for driving without a license. They chain our hands and hips together and put shackles around our ankles. Thats how they sent us back. Up in the plane. Thirty minutes before we land in honduras they take off our handcuffs. Take has remained steady ill be more than fourteen thousand 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. Im being deported for the fourth time this is the fourth time that im going back home. One of them is i dont actually want to go back home anymore but my children are there because thats the reason is that what youre going to think i think otherwise i wouldnt go back anymore. You know with the surveys also show that people who have been down longer you know their ropes and have reached a certain level of stability of being deported as well and it seems to be a strategy at least it looks that way. But if you replace atlanta grants 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. It is going to get in a must employ is that a yeah yeah you know for months and was it was you know. I always said my mother one hundred or two hundred dollars. And she was very pleased about that because she was very happy to receive it we had a i bought him the phone and there are different ways to send money in mind that are going to be on the board was that you know i sent it via Western Union with and you know its the 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 of what i did and then the letters are three c. And the. Labor follows trouble 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 you know hedge funds but the 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 might have to move and 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 they are 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 can why dont you can walk in and say youre me and if you have a license plate. 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 in the back. 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. It was better with the same salary i send more money. From last year the Exchange Rate constantly drunk. I want to know. What im going to allow. For you guys you know i just sent a text message to my wife telling her that i have sent a fifty euro. By money gram it costs about fifteen euros me and later i was kind of going to make sure the family is at home and tell them ive sent money i thought a lot of. The ministers are so critical. I would not survive without one that says theres not a lot would not survive without that and so theres a whole slew of countries are really surviving because of remittances that are being sent home by immigrants bangladesh you know you start putting the numbers together its impressive. Basically women says serve. Are really very key to most families theyre theyre paying her theyre paying for and theyre paying her theyre basically feeding families there are paying for an education for sending kids the school in three really extremely basic remittances is money and means it has the ability to pay debt it means you can generate funds right they can be used for all type stuff the latest stuff that Western Union talks about even in their own propaganda is how remittances Economic Development opportunities right that there are immense is the best thing you know its the jam and the bottle or right of Economic Development that is the vehicle that people can invest in back home to create jobs and opportunities and all that stuff. You know. I mean they have practically. Just wait for remittances. This development is apparent in various countries. And the Money Transfers they receive. In. The local economy a little. Even witnessed people investing in houses and Living Conditions improving. In stark contrast to the neighborhood they live in the rest of the population who dont receive remittances. Are huge financial concerns and the exact extremely high prices from them. When a computer. Problem because. Customer base for i phones and i pads are people with more money. In the western world do it to market workers they are taking advantage of people who are not financially sophisticated and who have very little money. And. Profits that are incredibly. So is it exploitive yes i think in the broad sense of the term it is is it illegally exploited or not under existing law. To get him if i manage to save some money within two years ill go back to naipaul and open a small shop and live off that. Must mean. You know i havent been able to realize the dreams i had or not doris because life from the us is very hard for me for them. To. Let it all. Built up. Often with all of. That but with. The whole thing. I thought that. The race for. The long. Haul. That it. Was. Worth nothing at the. Hollow of. The. Morning. Leak. The african country the kenyan fossil wants to be a pioneer in selling any team. Its a chance to the social entrepreneur consistency so this one is sure who can save these along so motions created for the people yet by the people. Thats also part of our role to show the new face of addiction no fuss over. Ego at africa in thirty minutes on t w. Are you up to speed on the latest technology. No. Maybe time for an upgrade this becoming part of the future. Become a cyborg and my site works so ive created a new sense the new organ and design my perception of reality implants that make every day life easier. I use my dogs on a daily basis that optimize the human body and connect people more effectively. I hope that this would make us more ethical persons what would life be like as a cyborg. At the end of the day these technologies can be used against us what do you think will happen society does the human race move great i think its only the beginning of this cyborgs human machines starting february first on t w. Two moves. This is d w news live from berlin at this years Grammy Awards in new york a white rose with the fashion accessory of the evening. Confronting its Sexual HarassmentRecording Industry as a night of politics and music on the awards from the ceremony belonged to bruno mars he took home sigs