Money-management courses for the worker going abroad, before departure, with the products for sending money home built in

A first step

Write a 2-hour session on budgeting abroad, sending money home safely and saving, and ask a licensed recruitment agency to let you run it free for their next group of departing workers. Ask the workers afterwards what they would have paid, and ask a bank or money-transfer company whether it would pay per worker to present its products. A paying sponsor is the proof.

Who pays first

A bank or money-transfer company that wants migrant workers as customers before they leave, and pays per worker reached.

What leaves today

Migrant workers send money home through costly channels and spend it without a plan, so less of their earnings becomes savings.

The idea and the mechanism are from the book. The first step was written for this site as a suggestion; if you know a better one, say so.

The test

Does it keep value that now leaves the island, or build the proof that lets somebody else do so?

The only test any idea on this site has to pass. The four rules that go with it are here.

In the book

• Ch. OneThe Letter That Says Yes and Means No
  177,588 qualified, 45,000 placed

More from cluster 16

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• 322Apprenticeship brokers who match a firm to a student and handle the paperwork, for a fee from the firm
• 323Nursing colleges to the British and Australian standard, with the return clause built into the fees
• 324Electrician, plumber and welder certification centres whose certificates are recognised abroad
• 325English tutoring by video for the districts, at a price a family can pay, with a test at the end
• 326Tuition classes that publish their pass rates, so that parents can compare

All 20 ideas in this cluster