Dream Vacations and Travel ? Cheap Travel Insurance, Vacation ...

DreamVacationsandTravel.com is your immediate access to the luxury world as portrayed by a team of passionate individuals. We are jet setter, globe trotter, travel writer as well as luxury addict. We always blog about things we love so we can deliver that passion to our readers.

We love to write about the best cities to visit, the luxury hotels and spas, the luxury villas, private jets and beautiful yachts, the World class restaurants the gadgets, the trends in fashion, art and culture, the lifestyle and fine living ideas and many more. Honestly don?t be shy, and come blog away with us. We love our readers.

We are a very unique luxury travel, entertainment and lifestyle blog because you can read about your favorite destinations, cheap travel insurance and discover new luxury gadgets and lifestyle trends.? It?s like having your own personal travel guide taking care of your needs whenever you want.

At Dream Vacations and Travel we want to help you explore your travel destinations the way locals do. Whether you?re venturing close to home or across the globe, whether your budget is limited or limitless, we strive to live up to your discerning approach to travel by delivering the most candid and reliable information on this Web site and in our guidebooks and products.

Travel is intensified living, with maximum thrills per minute. It?s recess, and we need it. Experiencing the real world vacation requires catching it by surprise.? Affording travel is a matter of priorities. You can travel simply, safely, and comfortably anywhere in the world for $100 a day plus transportation costs. In many ways, spending more money only builds a thicker wall between you and what you came to see. The world is a cultural carnival, and time after time, you?ll find that its best acts are free and the best seats are the cheap ones.

A tight budget forces you to travel close to the ground, meeting and communicating with the people. Never sacrifice sleep, nutrition, safety, or cleanliness in the name of budget. Simply enjoy the local-style alternatives to expensive hotels and restaurants.

Extroverts have more fun. If your trip is low on magic moments, kick yourself and make things happen. If you don?t enjoy a place, maybe you don?t know enough about it. Seek the truth. Recognize tourist traps. Give a culture the benefit of your open mind. See things as different but not better or worse. Any culture has much to share.
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Of course, travel, like the world, is a series of hills and valleys. Be fanatically positive and militantly optimistic. If something?s not to your liking, change your liking. Travel is addicting. It can make you a happier American, as well as a citizen of the world. Our Earth is home to nearly 6 billion equally important people. It?s humbling to travel and find that people don?t envy Americans.

DreamVacationsandTravel.com is an essential online destination for vacation home rentals and those planning the perfect travel excursion. Not only can DreamVacationandTravel.com visitors easily find candid, timely articles, they can also gain additional insights from our lively message boards and purchasing travel products and services from our high-quality affiliates.

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Dallas Fed economist sees mobile banking as the way to reach the ...

The fast growth of mobile technology means cell phones maybe the way to reach the unbanked in many parts of the world.

That?s the premise of Janet Koech, an assistant economist at the Federal Reserve Bank of Dallas.

?In developing countries with a high mobile-phone penetration rate but a lack of robust financial services, the need for efficient payment methods has contributed to M-banking?s appeal,? Koech wrote in today?s issue of the Dallas Fed?s Economic Letter. ?The World Bank predicts mobile money could affect the lives of more than 2 billion people in developing countries by 2020, paving the way for a new era of financial services in which banking will no longer be the domain of a small upper class.?

More than half of the world?s adult population that lacks access to financial services. That trend is greater in developing nations, where 64 percent of people don?t bank accounts, compared with 17 percent in developed countries (see map above).

My colleague, Hanah Cho, recently wrote about the unbanked issue in the United States. Nearly 13 percent of Texas households are unbanked.

The demand is there, Koech says: Residents of developing nations living in cities frequently send remittances to families and friends in rural areas or other countries.

Six billion mobile phone subscriptions were active worldwide in 2011, up from 719 million in 2000, according to data from the International Telecommunication Union. Most of that growth was in developing nations (see chart), helped by affordable phones and prepaid airtime cards.

New mobile banking networks can reach customers who may not be able to get to brick-and-mortar bank branches in urban centers, Koech said. About 1.7 billion people globally have cell phones, but no bank account, she said.

In Africa, where cell phone subscriptions outnumber bank accounts in many countries, Koech noted that a Vodafone affiliate launched a mobile banking service in Kenya in 2007. In four years, the M-Pesa (M for mobile and Pesa for money in Swahili) had more than 14 million customers, or 59 percent of Kenya?s adult population.

M-Pesa customers need a government-issued identification card to ope an account for free. There?s no minimum-balance requirement. Fees are charged for customer transactions, such as money transfers and bill payment, and for mobile airtime.

Account holders can make deposits at M-Pesa agents, exchanging cash for credit applied to their mobile account. Credits can be transferred electronically to other users, exchanged for cash, used to pay bills or buy airtime. Customers can withdraw money at agents, M-Pesa retail outlets and ATMs. Many companies use M-Pesa to pay employees who don?t have conventional bank accounts.

Worldwide, there are 129 such mobile services and 91 more are planned, according to the Global System for Mobile Communications Association.

By gaining a banking relationship, consumers can increase their buying power and improve their living standards and see lower costs, Koech said. Small businesses gain greater access to credit.

Source: http://bizbeatblog.dallasnews.com/2012/10/dallas-fed-economist-sees-mobile-banking-as-the-way-to-reach-the-worlds-unbanked.html/

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