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Dependency or opportunity? The question that is applied to the worlds money movement or in another word money transfers. This concept is not in it all power in the world. Recognition of impact of money transfers on whole well being of people and ecomomic growth of nation. For supporting of this idea there should be or even there is requirement for broad observation and research process. For the mention of real importance of money transfers, Dilip Ratha calls this concept as " money wrapped with the love".