https://padlet.com/stephanie_segura486/40y4xnc48w3f en-us 2018-11-28 17:51:41 UTC 2018-11-28 18:10:33 UTC hello@padlet.com stephanie_segura486 https://padlet.com/stephanie_segura486/40y4xnc48w3f/wish/308941958 https://www.nytimes.com/aponline/2018/11/21/us/politics/ap-us-mortgage-rates.html

This article talks about how there is record of U.S long-term mortgages rates having the largest drop in nearly four years this month but still remaining biggest than last year. They found out that the average fee on 30-year mortgage fell to 4.81 percent. They researched that the rates have been low this month due to the fall of stocks and oil prices. 

This article relates because it talks about mortgages being the original financial instrument. I learned that the original investor gets paid through CDO, so if the rates fall, they won’t get paid as much as if the rates are higher. However, if the rates are high and owners cannot pay them then CDO takes the risks and are in trouble. 


]]> 2018-11-28 17:58:28 UTC https://padlet.com/stephanie_segura486/40y4xnc48w3f/wish/308941958 stephanie_segura486 https://padlet.com/stephanie_segura486/40y4xnc48w3f/wish/308944018 https://www.nytimes.com/reuters/2018/11/16/business/16reuters-g20-banks.html

This article talks about how banks are really stepping back from international money transfers for many reasons, for example, dealing with impacts of countries that rely on remittances. The regulators are worried about the correspondent banking because it continues to decline. Due to remittances service being a concern at the moment, some banks want to step away.

This article is relevant because it talks about remittances, which is the economic transfer from one-way migrant to sending household. If banks try to step back then the checks of the remittance will not go to the country it needs to go to. Remittance can be a good thing because it makes a change of development in the world.


]]> 2018-11-28 18:02:00 UTC https://padlet.com/stephanie_segura486/40y4xnc48w3f/wish/308944018 stephanie_segura486 https://padlet.com/stephanie_segura486/40y4xnc48w3f/wish/308945099 https://www.foreignaffairs.com/articles/el-salvador/2018-11-07/migration-disconnect

The article talks about how international migration is growing more, as in people are fleeing from their homes to live in the U.S. The U.S. president is sending soldiers near the border to protect from anyone getting in which is costing a lot of money. Migration continues because people want to improve their fortunes and many more reasons.

This article relates because immigration can be a good thing as to development. For example, income goes up if immigration goes up according to the reading from Sanderson. Migrants will want to work to have money and will increase the economy. There will be more remittances due to sending money to their country for their family members if immigration continues in the U.S.



]]> 2018-11-28 18:03:52 UTC https://padlet.com/stephanie_segura486/40y4xnc48w3f/wish/308945099 stephanie_segura486 https://padlet.com/stephanie_segura486/40y4xnc48w3f/wish/308946069 https://www.economist.com/economic-and-financial-indicators/2018/04/26/remittances

This article talks about migrants sending home money to their family members, which increased 8.5 percent last year and it is expected to increase more at the end of 2018. It talks about how remittances are worth more than the value of official development assistance. Overall, it explains that usually the remittances come from low- and middle-income counties.

This article relates to class because it talks about how immigrants produce remittances to send to their family member back home. However, remittance is not always about money. Those remittances can be social remittances but in this case its money they are talking about. Remittance can be a development to a better economy in the world.



]]> 2018-11-28 18:05:37 UTC https://padlet.com/stephanie_segura486/40y4xnc48w3f/wish/308946069 stephanie_segura486 https://padlet.com/stephanie_segura486/40y4xnc48w3f/wish/308946963 https://www.nytimes.com/reuters/2018/11/26/world/europe/26reuters-france-environment.html

This article talks about the French government wanting to drop the plans of urban tolls due to a protest against rising fuel costs. France wants to make a new law that will introduce cities to allow congestion prices to lower pollution and traffic jams. Also, wants to include railway that connects to small cities because they usually focus on major cities only.

This is relevant because it reminds me of France having roads for global cities like Paris but usually not to small cities. Having roads for global cities can manage and service the global economy. Usually people work, live and visit around global cities because it’s where everything and are emerging centers of transnational communities.



]]> 2018-11-28 18:06:55 UTC https://padlet.com/stephanie_segura486/40y4xnc48w3f/wish/308946963