Skip to content
8
Jan

Muchos inmigrantes contribuyen a la riqueza norteamericana

Un reciente informe indica que los inmigrantes serían uno de los principales interesados en mejorar la situación financiera de Estados Unidos.

El argumento de muchas personas que se oponen a una salida más amigable para legalizar a miles de indocumentados, es el hecho de que esto acarrearía  una carga negativa para la economía estadounidense. Sin embargo, un reciente informe indica que los inmigrantes serían uno de los principales interesados en mejorar la situación financiera de Estados Unidos.

De acuerdo con el informe,  realizado por el Centro de Estudios de Inmigración, más de las dos terceras partes del crecimiento del empleo que se ha generado en los EE.UU  ha derivado de los inmigrantes, o de quienes nacieron fuera del país.

Stephen Camarota, uno de los co-autores del informe señala que esto puede ser noticia tanto para quienes son ciudadanos americanos y han nacido en Estados Unidos, como también para aquellos que provienen de otros países y han venido a USA con la finalidad de enviar dinero a sus familias.

“Es extraordinario que el crecimiento que ha tenido la empleabilidad en los últimos cuatro años ha provenido de extranjeros”, dice Camarota.

Asimismo, agrego que le parecía sorprendente que esta información no haya sido mencionada en ninguno de los debates presidenciales  que tuvieron lugar en Octubre pasado.

Alex Nowrasteh, un investigador del Instituto Cato, señaló que las mayores ganancias de empleabilidad han sido observadas en sectores donde los inmigrantes principalmente operan.

"En la actualidad las áreas de la economía que tiene mayor contrataciones son: la agricultura y la alta tecnología, las cuales han sido por excelencia trabajos representativos de la fuerza inmigrante."

Un ejemplo  más directo de cuán beneficioso los inmigrantes han sido para la economía de los EE.UU. proviene de los números dentro del mismo estudio.

Con base en las estadísticas recogidas de la Oficina del Censo de EE.UU. y el Centro para Estudios de Inmigración, el informe estableció que el empleo entre los inmigrantes, tanto documentados como no autorizados para trabajar, – se ha incrementado desde 21,2 millones a 23,2 millones desde 2009.

Mientras tanto, el empleo entre los ciudadanos nacidos en Estados Unidos ha aumentado desde 118 millones a 119 millones. En resumen, casi más de 2 millones de inmigrantes han sido contratados en comparación con tan sólo los 938.000 ciudadanos americanos que han conseguido puestos de trabajo en la misma cantidad de tiempo.

Estudio del FRBSF revela que inmigrantes ayudan a mejorar los ingresos
Pero esto es sólo uno de varios estudios que se han realizado en los últimos años que dan testimonio del efecto positivo de los inmigrantes en la economía de los EE.UU.. Por ejemplo, en agosto de 2010, el Federal Reserve Bank de San Francisco publicó resultados similares.

"La forma más precisa de medir el impacto neto de la inmigración en este tipo de economía es analizar los efectos de forma dinámica con el tiempo", dijo el líder del estudio de la Universidad de California, Giovanni Peri.

"Los datos muestran que, en términos netos, los inmigrantes amplían la capacidad productiva de la economía de EE.UU., estimulan la inversión y promueven la especialización que a la larga aumenta la productividad. De acuerdo con investigaciones anteriores, no hay evidencia de que esto sea a costas y traiga consecuencias negativas  para aquellos trabajadores nacidos en los Estados Unidos."

Peri dice que entre 1990 y 2007, el total de inmigración a los EE.UU. trajo consigo  un aumento del ingreso real de cada trabajador y paso desde el 6,6 por ciento al 9,9 por ciento. Esto se traduce en un adicional de $ 5,100 para cada trabajador en el mercado laboral de EE.UU, durante el 2005.
Más inmigrantes se están dando cuenta de las perspectivas de empleabilidad que tienen en los EE.UU. frente a otros lugares del mundo. Esto puede ser evidenciado por el aumento del número de personas que han solicitado acción diferida de ser deportados.

La administración del presidente Barack Obama lanzó recientemente números que indican que más de 50.000 inmigrantes han sido aprobados para el estado DACA, que es la abreviación en Ingles  para el programa de acción diferida para los llegados en la Infancia. 

18
Nov

Xoom launches new, easy-to-use mobile site

Xoom launches new, easy-to-use mobile site

Xoom, a leading online money transfer company, already makes it easy for you to send money around the world, and it’s getting even simpler with the launch of its new mobile website. Now Xoom customers can make a mobile money transfer right from their iPhone, Android or other smartphone.

Sending money from an iPhone, Droid or Blackberry with Xoom’s new mobile money transfer site is just as safe and secure as online banking. Furthermore, it won’t take up any memory because it can be accessed from your phone’s web browser, so you’ll have plenty of space for Angry Birds and Paper Toss.

Having both Xoom’s mobile site and mobile banking at your fingertips wherever you go makes it easy to check your bank account balance before you send money. For instance, if you deposit a check, you can click into your mobile banking app to see if it has cleared yet. If not, you can always visit the mobile Xoom site and schedule a transfer to occur when you know the check will be cleared.

With just a few taps of the screen you can easily find out when your international money transfer has taken place. Xoom’s mobile site allows users to check the status of their transfers, which can take as little as a few minutes to reach their destinations.

Customers can also use the mobile site to find out about transfer fees and keep an eye on exchange rates. This can be especially helpful as exchange rates are changing constantly. By using the mobile site, Xoom customers can ensure that they get the best exchange rates by making a money transfer when the rates are low. Scheduling a transfer will also lock in these rates so even if you are not ready to send money online, you can still lock in the low rate.

Xoom’s mobile site offers all of the same options as the full website, which even includes choosing how the recipient receives their funds. Customers can choose between sending money online to banks or one of Xoom’s many locations worldwide so the recipient can pick up their funds directly. They also have the choice of sending money directly to their loved one’s bank account, making it easy for them to access the funds from any ATM.

17
Nov

Pacquiao’s fight with Marquez only raises more questions

Pacquiao's fight with Marquez only raises more questions

Manny Pacquiao’s third fight with Juan Manuel Marquez was supposed to end the debate between the two fighters once and for all. Instead, it only served to raise more questions.

The Filipino phenomenon defeated Marquez by majority decision, but the fight did not end without controversy. Many in the arena felt that Marquez had outboxed Pacquiao, and one of the judges scored the fight as a draw. Pacquiao officially walked away as the winner, but its doubtful that the rivalry between these two boxers is over.

To put the fight into perspective, Pacquiao and Marquez have a long history together, and almost all of their matches have ended with controversy, as they’ve gone to a judge’s decision and the fights have been extremely close. Their first match, in 2004, ended in a draw, which is the last non-win on Pacquiao’s record. Pacquiao attempted to silence the critics in 2008, and walked away with a split decision – by just one point.

After both fights, Marquez hasn’t been shy about what he thought of the judge’s decision, repeatedly claiming he was “robbed” and that the judges were giving Pacquiao the win because of his superstar status.

After the decision was announced at the most recent fight, it appeared that nothing had changed.

“I was robbed,” he told the Los Angeles Times. “It happened again. I don’t think there is much more I can do in the ring.”

Some feel that Marquez got a raw deal due to the proposed Pacquiao versus Floyd Mayweather superfight that has been talked about. If Pacquiao had lost to the lesser Marquez, it would mean millions of dollars in lost revenue for the Mayweather bout. Others feel that Pacquiao legitimately won the fight, mainly due to his excellent defense and counterpunching. Though not as flashy as Marquez, Pacquiao blocked many of his strikes and scored points when he left openings.

That’s a sentiment that Pacquiao himself shares, telling reporters after the match that he felt like he did enough to win the fight.

“Yes, it was clear. I blocked a lot of his punches,” he told the news source. “If he wants a rematch, he’ll get it.”

Still, that didn’t look good for a Pacquiao camp that claimed to have been training for the knockout going into the fight. Pacquiao himself was said to be truly motivated, hoping to knock out Marquez and not leave anything in the hands of the judges.

Now, it appears that the Mayweather fight will be on hold for the time being anyways. Mayweather’s managers have challenged Pacquiao to a May 5th fight, but it seems Pacquiao is leaning toward a fourth match with Marquez instead.

“I’m bound and determined to find a definitive winner from these two,” said Top Rank Promoter Bob Arum. “If we can get both fighters to agree, we’ll put it on May 5. That fight [Mayweather] can still be there for us in November [2012].”

While Marquez is obviously an elite fighter, he is typically not considered to be in Pacquiao’s class. Yet it appears that Pacquiao has found a true rival – someone whose style simply gives him fits, an opponent that he can’t seem to shake.

Thus it appears that the world will have to wait for the fight that everyone wants to see, which is Pacquiao vs. Mayweather. Then again, given the way these two have gone after each other in their trilogy thus far, the more entertaining matchup might just be a fourth bout.

21
Sep

How to Wire Money to Germany with Xoom

How to Wire Money to Germany with Xoom

Technology makes everything easier, and that's definitely true for sending money overseas. International travelers may remember the hassle of wiring money before the advent of the internet, but nowadays its a simple few clicks with Xoom and your funds are on their way.

It's easy to wire money to Germany with Xoom, as the funds are deposited directly into your friend or family member's account. Direct deposit is both secure and convenient, and the money typically arrives in your recipient's account within minutes. The friend or family member in Germany can then access the funds easily through any ATM.

You can deposit your funds to any bank in Germany, including Postbank, Sparda-Banken, Commerzbank, Barclays Bank, Citibank, Deutsche Bank, Teambank, BayernLB, Landesbank Berlin and many others. Xoom will also display the current exchange rate when you make your transaction so you know exactly how much you are sending.

You'll need your recipient's bank account number in order to complete the transaction. Keep in mind that if you wire money after 4 P.M. on a weekday, German time, your funds will be deposited by 4 P.M. the next business day., also German time.

19
Sep

How to send money to Argentina with Xoom

If your family lives in Argentina while you are working in the United States, you will likely have to send money back-and-forth on a regular basis. Your family's finances are important, so it's critical that you find an online money transfer service that can handle your transactions in a convenient yet secure fashion. This is where Xoom comes in.

Many Argentinians opt to send money back home using Xoom because of the numerous options they have for completing transactions. When sending money to Argentina, you'll be able to choose between a cash pick-up or a direct bank deposit. Xoom partners with BBVA Banca Frances to offer cash pick-ups at more than 300 locations across Argentina. Once you hit send on your computer, it normally takes about 15 minutes for this type of transaction to process. Your recipient can pick up the funds at any branch during normal hours of operation.

Some prefer the convenience of a bank deposit instead. With this transaction, you'll instead be depositing the money directly into a bank account. In addition to the previously mentioned BBVA Banca Frances, this service is offered with HSBC, Galicia, Credicoop, Estandar Bank, Citibank, Banco Provincia de Buenos Aires, Banco Santander and several others.

15
Aug

How to wire money to the United Kingdom with Xoom

If you're living abroad but your family is back in the United Kingdom, you may have to wire money back-and-forth while you're apart. With Xoom, this process is simplified so that sending money online is a snap.

Xoom allows you to transfer money via your computer directly into your recipient's bank account. These transactions are processed in less than an hour to most banks in the United Kingdom.

If you're working with Santander, Bank of Scotland, Barclays, Clydesdale, Co-Operative Bank, Coutts, First Direct, Halifax, HSBC, Lloyds TSB, Natwest Bank, Northern Bank, Northern Rock, Royal Bank of Scotland, Smile, Ulster Bank or Yorkshire Bank, you can expect the funds to reach your recipient in less than an hour. If you wire money after 11 P.M. GMT, they should be there by 2 A.M. GMT. 

If you wire money to any other bank in the U.K., the funds will be available in two business days.

Xoom also makes it easy to see the exchange rates when you send money, so you can know exactly how much you're sending. Plus, you won't be charged an additional fee by the receiving bank.

12
Aug

How to Send Money to the Dominican Republic

If you've never used Xoom to send money online before, you'll likely be surprised by how simple it is to quickly and securely transfer funds anywhere in the world, including the Dominican Republic. For those who have family or friends back home in the D.R., Xoom offers a number of different ways to send cash fast.

Those sending money to the Dominican Republic have three options: home delivery, cash pick-up and bank deposit. Home delivery is very secure and convenient and is available seven days a week. Money sent in this fashion usually arrives at your recipient's doorstep in about three hours.

You can also arrange a cash pick-up, where your recipient will go to a branch to receive their funds. Xoom is supported at more than 300 locations, including Caribe Express, Banco BHD, Remesas Dominicanas (ReD) and Banco del Progreso. This usually takes about 20 minutes.

Finally, you can securely deposit the money directly into your family or friend's bank account. The time for this option varies – the transaction is processed at different times throughout the day, so it depends on when you send the funds.

Currently, $1 is equivalent to about 38 Dominican pesos. When you send money via Xoom, the exchange rate will be clearly displayed, and you'll be able to lock in the rate you've selected.

12
Aug

How to Send Money to Colombia

If you have family or friends back in Colombia and you need to send money to them, it's easier than ever with Xoom. Sending money online is fast, secure and simple to complete, and you can get set up in not time at all.

First, you'll have to decide how you wish to send money to Colombia. You can either do this via bank deposit or by cash pick-up. Bank deposit adds the money directly to your recipient's account, although you'll need their account number in order to complete this transaction. A cash pick-up allows your friend or family member to stop by one of the many bank branches or money transfer locations and receive their funds in cash.

If you choose a bank deposit with Bancolombia, the money will usually clear within 15 minutes. For all other banks, your receipient will have to wait a full business day before the funds are available to them.

Xoom has nearly 1,000 locations across Colombia for cash pick-ups. You can send money to Bancolombia, Macrofinanciera or Davivienda, and the funds will typically be available within 15 minutes.

At the moment, $1 is equal to 1783 Colombian pesos. When you use Xoom to send money online, you'll be able to see the current exchange rate and lock that price in.

12
Aug

How to Send Money to Peru

It's incredibly easy to send money to Peru online using Xoom international wire transfers, and in just a few clicks of the mouse, your family or friend will have the cash they need quickly.

Xoom offers two services to Peru: cash pick-up or bank deposit. With a cash pick-up, your recipient will need to head into a branch location and get the money in-person. If you plan on using Scotiabank, this happens nearly instantaneously – your cash will be available right away. Other banks, such as Banco de Credito BCP, Interbank and BBVA Banco Continental, are also supported, but they may take slightly longer.

With a bank deposit, the money will instead be credited directly to a bank account (you'll need the bank account number for this type of transaction). Your recipient will have access to their money at an ATM. Again, this is instant with Scotiabank and slightly longer with the other banks – but everything will likely be processed within 15 minutes during normal working hours.

If you plan on sending money to Peru via Xoom, you can choose between converting to nuevo soles or keeping your money in American dollars. The most you can send in this fashion is $2,999 at once. If you do plan on sending in nuevo soles, Xoom will display the exchange rate when you log on and you'll be able to lock in that rate, so you don't need to worry about market fluctuations. 

10
Aug

How to Send Money to Mexico

Sending money to loved ones back home is a common practice for those living and working abroad. Fortunately, using Xoom is an easy way to send money to Mexico, as most transfers will be processed extremely quickly.

An important factor to remember when doing this is exchange rates. When you send money using Xoom, you'll be simultaneously converting dollars to pesos. The current exchange rate shows $1 as equivalent to about 12.4 pesos. Xoom will clearly display the day's exchange rate, and you'll lock that rate in as soon as the money is sent.

You have two options when sending money to Mexico: cash pickup or bank deposit. A cash pickup typically processes quickly, and your recipient can pick up their money at one of the many participating banks. Bancomer, HSBC, Banorte, Banamex, Santander and Bansefi are among the participating banks, all of which process the transactions in under 15 minutes.

You can also send money via a bank deposit. This will deposit the funds directly into your recipient's bank account, so they'll be able to access the money at any ATM. This process takes just a bit longer – Banamex, Bancomer and Banorte will have the funds ready in under an hour. Other branches are available for bank deposits as well, but may take slightly longer.