Tag

Europe

How Can An Indian Company Open A Bank Account In Europe?

By | Banking

India is a pretty progressive country that inhabits a billion people. The pace at which India is developing, both technologically and economically is brisk. This success, development and progress are a result of its performance in the international market.

The major rule of expanding to other countries is to have a base set up in the destination country. For instance, if somebody is trying to expand his horizon with a move to a different country, then he must first set up a Headquarter or a base of operations for his firm. The amalgamation of different European countries in a single union is named as European Union. The laws and regulations in the countries that are part of the EU are pretty similar, with only minute differences here and there. The intercontinental transactions has been made easier in Europe since the creation of the European Union, but what about the millions of Indians trying to expand the borders of their business to the vast greenery of Europe? In order to buy property or to buy anything else for that matter in an entirely different country, you need to have a bank account in the country.

Here is a detailed explanation of how to do exactly that;

Choosing a Bank

Banks in Europe are allowed the courtesy of deciding their own customers. No laws within the European Union can prevent or force a bank to open a bank account for a particular customer. Therefore, it is essential to choose a bank beforehand that has a history of granting permission for the opening of a bank account for people who are not exactly residents of the European Union.

Filling the form

An online form can be submitted from the comfort of your home that expresses your desire to the bank about getting an account opened in your name. After the form is filled, the bank will inform you about the ways you can identify yourself as a proper candidate who is viable to receive the bounties of a bank account.

Proving your Identity

For an Indian national, an important step in opening a bank account in a European country is providing the required documents to proof your identity. Identifying yourself is a process that gives the bank a go-ahead to process the opening of your bank account. There are two methods through which you can identify yourself in any European country;

  • By Lawyer or Notary
  • By Bank

By lawyer

It means to identify yourself in a European country with the help of a lawyer; the lawyer takes responsibility on your behalf. The lawyer that takes the responsibility must be a resident of the EU.

By Bank

It is a very simple process, it involves the bank that you use in any state of India to share details with the bank where you are trying to open an account. The bank back home in India and the bank in your destination country collaborate together and settle the case.

This is all it takes to open a bank account in any country in Europe. Apart from opening an account in a bank in Europe, some other questions also wander in the minds of many Indians who decide to expand their business to Europe.

Virtual bank account for exporters

If you export into Europe you can also consider signing up with B2B Pay. With B2B Pay an you can get your own virtual bank account inside the European SEPA zone, combined with vastly cheaper fees for currency exchange and transfer to your local bank account.

Paying Taxes

The regulations for paying taxes on a bank account in Europe are particular to the country you have chosen to open a bank account. Overall, most countries do collect some service charges or taxes, while some such as “Germany” do not compel you to pay taxes to the government unless you make use of the money in the country.

B2B Pay – Exports to Europe Made Easy

By | Banking, Money transfer

B2B payment simply refers to the business transaction between 2 businesses for the completion of a task. For instance, a company A makes shoes, but to make shoes, it needs leather. Conversely, a company B specialises in the accumulation of leather. In order to fulfil its purpose, company A needs leather from company B so that they can create shoes. The relocation of money in this whole scenario is referred to as B2B pay, or Business to Business pay.

b2bpay-logo

B2Bpay.co is a joint venture of innovators and entrepreneurs from Finland, New Zealand, India, Holland and Brazil. The basic idea of the site is to help exporters receive money. We provide exporters with a virtual bank account inside the European Union and then transfer the incoming money to the exporter’s local bank account in for example India or Brazil.

When an investor wants to relocate money between European countries and India, he or she is required to pay 3 to 6% in terms of charges for the relocation. That does not seem to be the problem for B2B Pay, since B2B Pay transfers money to and from these countries at the rate that is below 1%, which means you save almost 80%.

Transparency about fees

In its entirety, Europe has a cumulative sum of nearly 200,000 banks; all of these banks have variable fee plans, structure and processing times for transactions. Exchange rate plays a vital role in this whole situation, for instance if you receive an amount from Europe, they will only initiate the transaction by using a payment order in their bank. Usually a fixed charge is deducted for the services, but the big trade-off is the exchange rate. The bigger the difference in exchange rate, the bigger the difference in the total amount sent and total amount received. This is a reason in potentially losing hundreds of euros. On the other hand, B2Bpay believes in transparency about charges. They claim to provide the best business in town with the best rates in the market. This can be proved by the fact that their rate for India is only 0.8%. Which means, your costs are reduced by up to 80%.

Annually, more than 100,000 small exporters and businessmen, send goods and provide services to their clients in different parts of Europe. These transactions and deals are carried about in a similar manner, the two parties meet, agree on a deal, sign documents that make the transaction official. The exporter then exports the product or the service to the importer, while the importer returns the favour with money. As expressed earlier, all the payments that the importer makes, are made with his or her local bank, while the exporter bears all the cost related to the transaction.

No more overpaying

The real question is, how does B2B Pay help you in avoiding such circumstances where you have to overpay on transactions to receive your money?

To take care of all the hullaballoo, B2B Pay conducts all necessary checks when it registers you as a customer if you sign-up. Additionally, it also adds information about your bank account number into its database system.

B2B Pay IBAN number in Europe

To receive money in any country associated with the European Union, B2B Pay also provides you with a European IBAN bank account number. An IBAN number is your key to keep track of your transactions and your money. Thanks to SEPA the very IBAN number can be used in all 34 states under the banner of European Union for absolutely free.

When the money arrives in your European bank account, B2B Pay sends it to your local bank, since they already have your local bank account number. Additionally, their fee for this transaction is 80% less than the lowest fee offered by any other service provider of the same genre. This guarantees a saving of 2-5% on the value of transaction. Of-course, this will directly impact on your profit by 10 to 20%.

In conclusion, when you sign up for B2B Pay, you get to take a compliance test only once. It also supports profitable currency conversion and payment to your original bank is so much simpler. Furthermore, it provides you with a European IBAN account number that sets up your European transactions pretty neatly.

https://www.b2bpay.co/

b2bpay logo

Export to Europe

By | Banking, Money transfer

Sending or Receiving money to/from your dear ones requires a great deal of concern. So you always evaluate the way you are using. The major issues found in money transfer are time issue, charges/processing fee issue and reliability. There are many ways to transfer money in Europe. Let’s have a closer look on the following ways of money transfer in Europe.

Cash to Cash Method

Walk in money transfer centers are built in order to use for money transfer. The example of such type of center includes Western Union and Money Gram. You just have to provide cash to the center and that cash will be converted into the currency of the destination country and then will be received by the recipient on the other hand.

Through Bank Accounts

For using this type of method for money transfer you just need to have a bank account. You draw out your money from your bank and transfer it into the recipient’s bank account, like Bank Account in Italy. This process can be done on phone by providing account numbers. Wire transfers are also in trend for money transfers but this type of method requires high transfer fee.

Through Credit and Debit Cards

Debit cards and Credit cards are also used for money transfers. If we make use of these in centers like Western Union and Money Gram, process of money transfer speeds up. However it’s not an economical approach because it is expensive as compared to the bank accounts, and for other b2b pay.

Using Prepaid Debit Cards

In this type of method funds are transferred to the destination through prepaid debit cards. The receiver can use easily and fulfil needs through it. But the processing fee in this case may cause you re think over this method for global b2b payments and Export to Germany. The processing fee varies from one prepaid card to another card.

Using Cell Phones

This is to facilitate you that using your cell phone’s browser you can access website of money transfer. There are different applications available for money transfer with the progress in technology sector. For example you can use Pay Pal account or you can use Western Union account for funds transfer according to your feasibility.

 

B2B Transfer Fees

By | Money transfer, Outsourcing: an original view

In the corporate world, there are two types of deals, namely B2C and B2B.

B2C

A B2C transaction, or simply, a business to customer transaction is exactly what it seems. It is the transaction that takes place when a certain business deals with a particular person or a group of persons. These “dealings” can be anything from selling and item, or buying rights to a book, providing services or requesting services. Simply put, these are the types of transactions that are conventional and comprehensive. B2C transaction does not necessitate any 3rd party involvement, because the main objective of the business is to deal with customers.

B2B

A B2B transaction, or in other words, a business to business transaction is a term that is used to describe the dealing between a firm with another business in times of procurement. As in, consider a firm, “A”, that manufactures shoes, needs the raw material to build the shoes from. In such times, they contact a third party (referred to as third party because they are not one of the pillar of basic business transaction, i.e. Businesses and Customers). The other business (that works to collect leather), “B”, deals with “A” and supplies them the necessary materials. Of course, B2B transfer fee is involved.

Now these business might be far and wide throughout the world, so b2b transfer fees vary, hence the concept of monetary exchange plays its hand.

FX spread

FX spread, or, “Foreign Exchange Spread”, is the difference between the prices a trader receives when he sells a currency to the market, with the price he has to pay to buy currency from the market. This spread, assists massively in determining the value of one currency in a country that it is not native to.

SEPA Payments

SEPA payments are a great way to settle B2B payments throughout Europe, since it is free. All it takes is the creation of a European account with B2B pay, this gives you the facility of sending euro payments in and out of Europe for not even a single dime.

 

Sending Money to Finland: an overview

By | Banking, Money transfer

Due to the advancement in technology, sending money to Finland is now a piece of cake. Finland is a northern European country that shares its borders with Sweden, Norway and Russia. There are numerous ways through which people can transfer money to Finland and they are discussed below.

Sending Money to Finland with SWIFT

SWIFT stands for “Society for Interbank Financial Telecommunication”. SWIFT facilitates the easy relocation of money from one place to another not by actually moving the money, but by sending and receiving financial messages between the buyer and the seller. Then, the actual relocation of money takes place through wire transfer. Finland is a strong advocate and user of the SWIFT system for the relocation of money. To facilitate the process of sending money to Finland or to receive from there via the SWIFT money transfer, the first thing to do is to determine the SWIFT code. This is a typical format of Bank Identifier Codes (BIC) and it is an exclusive code for a specific bank. A Swift code usually contains 8 to 11 digits. A typical SWIFT code looks like:

AAAA BB CC DDD

E.g.

JSAS KX F1 A41

Sending Money to Finland with SEPA

The usage of the SEPA method is based on the fulfilment of certain conditions. To transfer the money, it is necessary to enter the recipient’s account number in the IBAN format, it is done to route to the correct country without any failure. “Nordea”, a financial service company, offers several alternatives for SEPA payments. Solutions centered on file transmissions allow payments to be entirely computerized, when the amount of payments is extraordinary.

B2B money transfers to Finland

Western Europe is one of the most advanced places when it comes to the use of electronics and computers for financial matters. Especially in Finland, where the government has made it mandatory to transfer all procurement efforts online. Basware, a mega conglomerate for B2B payments has just signed an agreement with an unnamed company to facilitate the process of sending money to Finland. This has created a window of opportunity for many Finns living in foreign countries to send money to their families and loved ones with great ease.

SEPA payments

SEPA payments

By | Banking

A Brief Overview of SEPA payments

SEPA payments are used by the countries within European Union (EU) as well as some other countries outside EU but to which Euro bank transfers are supported. SEPA stands for Single Euro Payments Area. It can be described as a system that is initiated in Europe. It is used to transfer euro money between different banks in Europe.  SEPA supports the transfer of Euro across the border and it is seen to transfer Euro within the area which is similar to the domestic transfer you do within your country.

How SEPA Based Banks Work?

If you are planning to exchange money from any bank which is based in SEPA jurisdiction then it can be said for sure that you will not bear any extra costs than the regular transfers that are done locally. For most businesses and individuals it is considered as a cost-free option.

This money is usually received to another EU IBAN account within two days or even less. The receiving bank may or may not charge receiving cost depending on the policies of the respective bank.

All SEPA countries use the IBAN numbering scheme.

Why should I prefer using SEPA based account?

  • Fast, Easy & Secure:

SEPA has made the money transfers very easy within the euro area. The money that is being transferred by the SEPA based bank accounts is very fast and very easy indeed. In addition to this, the transfer of money by SEPA is even more secure than the regular bank transfers. Improvement is observed in the money that is transferred by bank accounts when they stand their basis on SEPA.

  • Free of complicated steps for new account creation

Usually it is observed that SEPA provides more ease when you are living in any country within the euro area for short term or long term basis. You will not need to create new account there or go through critical or hectic steps for new account creation in a new country rather you can use your old account – the one from your home country.

Furthermore, if you are on a trip to any euro country then SEPA can be found very helpful in getting the required money from your home country. In addition to providing your required money from your home account it may also offer an array of other services.

The SEPA (Single Euro Payments Area) Initiative and Its Advantages

Europe is the second biggest continent on Earth; it roughly includes about 40 nations. These nations are highly industrially developed and so are its people. A few years back, a group of European heads of states sat together and decided to amalgamate these European countries into a single union, called, “European Union”. EU includes 35 countries, which means, not all countries in the continent of Europe are the member of this European Union.

Due to different policies of EU, most of the aspects within these countries have improved. One of these is travelling, now you need to be a member of EU and you can travel throughout the member nations without hesitation. Another aspect of this merger is the currency. The European Union has been successful in introducing a general currency that has united all the member nations on a single platform, known as “Euro”.

SEPA (Single Euro Payments Area) is an initiative by the European Union to transfer monetary funds from one bank account in a member nation to another without much ado. SEPA payments are rapidly becoming the norm for the common people of the member nations because it relieves them off all the hassle for currency conversion, tax issues and prostration to laws of different countries individually.

SEPA payments are a great example of how to reduce the annoyance that the customers encounter while banking. The institution of SEPA payments ought to escalate the concentration of rivalry among banks for clients from corner to corner of different borders within the member nations of EU. For customers and administrations SEPA means low-priced, extra resourceful and more rapid payment transmissions when transferring euros from one EU member to another.

The goal of this initiative is to advance the competence of cross-border outlays and turn the disjointed nationwide markets for euro payments into a solitary internal one. SEPA will permit consumers to make euro expenditures without cash to any person situated anyplace in the zone, by means of a sole bank account and a lone set of payment tools.

 

Sources:

Holvi: banking for small EU businesses

Holvi: online banking for small businesses in EU

By | Banking

Banking can be quite annoying for small businesses. Setting up a bank account can valuable take time and banks usually charge a lot more to their business account holders than to private clients. The Finnish Holvi plans to change this and profiles itself as the bank for small businesses inside the EU. It’s ready to accept new accounts in Germany, Austria and Finland.  Businesses in other countries can sign up as well but have to accept incomplete translations. Holvi means vault in Finnish.

Vision: online banking for small businesses

The vision is quite extended. Here’s a significant part of it:

There are around 40 million small business owners in Europe. The micro business segment is the fastest growing macro segment in Europe.  Holvi is built from the ground up for these customers –  Europe’s largest underserved sector. One thing they all have in common is that every small business needs a bank account, and financial tools to take care of their business. This is what traditional banks are not offering and we are  enabling the bank account to solve the financial administration and integration seamlessly for them.

 

More information

When Life Is Just a Click Away.

By | Outsourcing: an original view, work from home

Version 1.0

Five people across the globe, all with a different background. What they share is their working-space: the world. We asked them one simple question: tell us about your life and why you do work for me?

There were no intentions with it, other than understanding better the people who work for us but the result, in our eyes, is a work of art through which we discovered that we humans share a lot more than we think, regardless where we actually live and work.

This book is a sneak preview into the lives of people in countries considered rich and poor, who work hard for little money, in countries where a busdriver earns only 150 dollar per month, and where people who are highly skilled and who have university degrees need hard-working jobs to get by, to come closer to their dream of doing what they really want to do, without the pressure and being forced to work (all the time).

These are people who I consider part of my generation, youngsters from 21 to 35 years old, trying to cope with similar challenges as I, challenges that our modern lifes poses, regardless where in the world you are. People who have the same dreams of freedom and independence, of family-living and being among friends, of not having to worry about water, food and shelter. People like me and my friends, people who just want a happy life, people who live all over the world.

How do these young people earn a living, although they live in a poor country or a country that has been torn apart by war? How do they get around with the little money they get, in countries where you might have nothing if you are not employed, with no social security or very little at the most, and maybe only family to fall back on if you’re lucky enough.

Countries where an opportunity is a low paid job that you only want because of the money, and where life is just a click away: “Accept this offer”.

The Background
The Outsourcing Diaries is a project that came to mind when a good friend of mine, Kasper Souren, an internet business-developer, had outsourced some of his work globally to anyone who seemed fit for the job, with various degrees of success.

He started to become curious about what’s happening on the other side of the contract, about the people he didn’t know at all and who he most likely will never meet, but who still worked for him.

In the world where a job opportunity is just a click away, Kasper basically wanted to know: who are these people that work for me? What are their dreams and desires, their personal challenges? How do they live their lifes? How do their lifes look like?

Through his favourite online platform for outsourcing, Odesk, he made the job-offer: “I want you to write 7 articles about your own life – especially in relationship to outsourcing.” Further requirements: “relate the story to your environment, your family, your city, your country”. And the main questions for the writers to answer were:

      When did you start working online?

 

      Where are you working? From home? From an internet cafe? How much do you pay for your internet connection?

 

      How did it change your life?

 

      Does it provide good opportunities?

 

    Is it better than other work? In what way? If not: why do you still choose this work?

The Responses
This offer attracted 28 candidates within a week. Most of the people responding were from the Philippines, others from Pakistan, Bangladesh, Indonesia, India, Jamaica but surprisingly someone also responded from the United States, as well as from Bosnia.

The authors would only receive something between 5 and 10 dollars for seven articles of 400 words but after a job well-done they would also receive a better personal rating in Odesk, so that they might be hired more often.

As Kasper wrote in the application: “This assignment can be a good way to make up for one or two bad ratings or to quickly get a good head start if you’re new.”

It often excites the people who respond. Take Garry, who is an accountant by profession which if he would have a job could get him as much as 275 dollars a month, and who started his first diary entry like this:

“This is my first job ever in this site, so I am thrilled. It’s pretty easy because I am to write about my own life in relation to outsourcing. One article of at least 400 words a day for 7 days for 7 dollars in total is a pretty good place to start with this online job. My officemate Giselle has made 23 dollars by simply copying and pasting. I suddenly wanted to play the song ‘I want to be a Billionaire’ just for inspiration but she started playing Don Moen on her speakers: divine inspiration. Why not?!”

Outsourcing Class
This is the class of independent workers, who hunt for small jobs across the globe. Whose lives are precarious. Who choose to work with help of the internet, getting their jobs through online platforms, working for people on the other side of the globe, doing jobs that are outsourced.

Outsourcing is an economic trend that started with companies contracting out jobs often to lower-cost regions where labor may be cheaper. Many companies basically started in the 1990’s to outsource whole production-processes, their guakaistration, human resources, etc.

But outsourcing also prompted the creation of various online services designed to create a marketplace in which freelance workers and potential employers who work outside of the large corporations can connect.

oDesk is one among a number of companies that offers that service and is the one Kasper used for the job to create the Diaries. Others that create marketplaces in which employers and freelancers can contact one another, include Elance, Freelancer, Guru and vWorker (formerly Rent A Coder),

Outsourcing Like
You can get a lot of work done through outsourcing, for very little money. This online outsourcing across the globe is used a lot for computer-coding and writing. Especially relatively easy tasks are cheap and you can get them done quickly.

Every day you’ll find lots of offers for articles, web-coding and even “facebook-likes” offers. Yes, you read that right: you can buy facebook-likes, which we also did for this book, just for the fun of it. For 5 dollars you can get 200 likes for your facebook-fanpage.

How that works? Easy: someone on the other side of the world created 200 facebook-accounts and just clicks on “like” on our page. And in another way it is real social, because these people get a week of food just for clicking “like”. And within an hour we had 15 people applying for the job.

In fact, first we had asked a guy who had liked another page 200 times before but his reply was that he couldn’t anymore. We figured his accounts got banned from using Facebook. Following the logic of the system of market-capitalism Kasper decided to take the cheapest offer, an Indian who offered it for 3 dollar. An hour later we had our first dozen “likes”.

The Outsourcing Diaries is just a small fish in this pool, and a mighty small fish. Following the likes of our Indian contractor “friends” we see many other facebook-pages with hundreds if not thousands of likes. They are all likes paid by cash.

It’s A Whole Industry
I personally did some outsourcing work in the past too. For two years I worked in Barcelona for several companies. I mostly did sales: working for one company that works for another company, pretending I am that company, while calling other companies.

It is a weird world and I got so good at understanding it that when my boss wanted to fire me for slacking, the company hiring my boss didn’t allow him to fire me, and demanded a payrise for me instead. The customer loved me.

Another company I worked for (a month was all I was able to give this one) was hired by another huge company that wanted their guakaistration done. The turnover of workers was huge in this one. People hated the work, stuck in huge office buildings with horrible views, earning just enough to pay rent and food, and not even getting the coffee for free.

A life where you really are just a number. A life in which – although you sit at a desk behind a shiny computer – you still are anonymous worker in an enormous factory, easily replaced by yet another.

But for most people, across the globe, the conditions of life are different and work is for most people an amazingly important thing, not something that can be switched easily, like for me or Kasper.

Fairness
Our skills, although we are in our early thirties and cannot stand an office, are worth easily between 75 and 150 thousand dollar a year – at the least. We think that’s unfair and makes not much sense. And we don’t even need so much. We would have enough with anything between 5 and 20 thousand in our own countries.

For other people it’s a different world. Not because they like the work they are socially forced to do, but because they actually need the money to live, every single penny. This is why they work.

And although paying 10 dollars for just seven articles sounds like exploitation, it actually does help them to get further with their lifes and the money isn’t bad at all. If you’re a quick writer, it wouldn’t take you more than half an hour to write a diary piece. Like Theresa from the Philippines says:

“Technological advancements really paved the way for a company or even a simple individual to outsource whatever they need, may it be for business or personal use. And as long as they do outsourcing, people like me will have a chance to continue earning money, pursuing dreams, help others and most especially, continue living.”

A Fresh Look
What surprises me the most of The Outsourcing Diaries is that we humans are far more homogenous than we often think, no matter where we live. Waking up early in the morning by the sound of an alarm clock, having breakfast and going to an office to earn some income, is the same pattern in Europe, Thailand, Brasil or the United States. We are far more similar than we think, although little differences remain.

“When I woke up this morning, the first thing that got into my mind is how the smell of cigarette smoke will fill my 8 hours in the office.” Is what writes Garry in the Philippines. Apparantly it is still allowed to smoke in office-buildings in the Phillipines, just like how it was in my own experience in countries such as Spain only a few years ago

Garry continues to write about the advantages of working at home: “No traffic. Driving around in traffic or commuting to work daily is stressful. At the comfort of your own office at home the only thing you will probably need navigating is your mouse. You will definitely save up on your fuel expenses.”

But also: “You can log-in in your pyjamas and not worry too much about looking good or smelling fresh all day.”

The world, with less differences and diversity every day, in the North and the Global South, is growing more and more the same. Cities foster similar types of life, forcing people to work for shitty income and no security. Work we often don’t even like doing but somehow we are forced to do.

Escape from Life
So what is it that our people write about the most? Not surprisingly, it is about life itself. How happy they are with the job, is what is most often referred to. But also family, friends and aspirations.

Like Garry who dreams of setting up beach-hotels: “I have bigger dreams like having my own commercial building or hotel. I would also love to have my own beach resort and a nationwide chain of restaurants.”

What you can also read is how people try to escape their lifes. Just like what most people would do in Europe or the United States for example: finding ways to not having to think about their daily worries, and to just be entertained.

“Internet is a point of refuge for me. A beam of light in a prison of shadows.” These words of Meodar in Bosnia sound highly universal.

Or about philosophical question of life, and choices that we all face. Like having to choose for children and family, and what that means for a woman. As Helena, from the Philipenes reflects:

“My own mother (a single parent) used to tell me that I should NEVER rely on a man to provide anything for me. I will be at the losing end. I should have my own money, my own accomplishments. I firmly believed in that. But now that I do have my own family, I guess there are time when what we believed in doesn’t make sense anymore. We all make sacrifices. And at this point, I know I can sacrifice having a career or my personal achievements for my children’s sake. That is not being on the losing end, right? That is being completely selfless.”

More to Come
I am happy that I came up with this idea of turning it into a book and that Kasper initiated this process. At first I was really sceptical but now I think these outsourced diaries deserve a much wider audience, to understand better the way we humans live across the world, to understand our differences and our similarities. To create more culture understanding.

Outsourcing happens at all levels in society these days and now my best friends are also using it, and getting me even involved. This book is a result of that process. This book is the first Outsourced Diaries.

This book is also an attempt at bringing us people together, to be a mirror for humanity on how much we actually might be much more similar than we think. As such it is also an art-project that shows the results of the political-economic we make as humans, through our national and gloval institutions, states, governments and international organisations; whether democractically or not.

But it also shows that people in the Phillipines have similar worries and challenges as people in the United States, as well as people from Bosnia or other places.

This is a first book about outsourcing, real people writing real stuff, about their daily life. See it as an experiment, as a collective work of art, as a product of our current societies, to see what else is possible within the realm of our worlds today.

Enjoy this collection of diaries and if you’re interested in knowing more about future plans that we have, check us out online at http://sendingmoney.org/