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]



%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%