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Apologies for cross posting. Members of the list may interested in this new book which has just been published by The Policy Press. Invisible money Family finances in the electronic economy Jan Pahl This study is the first to explore how ordinary men and women are using new forms of money. It: · examines the extent to which new forms of money constrain or enhance the access which individuals have to money and credit; · considers whether access to money held electronically is related to other characteristics of individuals, such as income, employment status, education, age, gender, spending power and access to goods and services; · draws out the implications for those responsible for policy making, in terms of combating financial exclusion, access to credit, the provision of financial information and the changing nature of family life. The results suggest an increasing polarisation between households and individuals. Those who are affluent and technologically confident may enjoy and be excited by new forms of money: in the electronic economy of the future they are also likely to be privileged consumers. At the other extreme are those who are more or less completely excluded from the electronic economy. Within marriage, individuals can use new forms of money to control family finances, to conceal spending from each other or to maintain a higher standard of living than their partners. Men tend to make more use of new forms of money than women do and this may be changing the balance of financial power within families. Published in association with the Joseph Rowntree Foundation. ISBN 1 86134 158 X £11.95 (US$19.95) 104 pages 297 x 210mm October 1999 Available from Biblios, Star Road, Partridge Green, West Sussex, RH13 8LD. Order line: +44 (0)1403 710851, Fax: +44 (0)1403 711143 email:[log in to unmask] Visit our website: http://www.bristol.ac.uk/TPP/Publications ---------------------- Helen Bolton Marketing Executive The Policy Press 34 Tyndall's Park Road Bristol BS8 1PY Tel: +44 (0)117 954 6802/6800 Fax: +44 (0)117 973 7308 [log in to unmask] %%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%