Interesting findings, but as a non-economist social scientist I would say that it is a matter of common sense that migrants remit money home, whatever be their education level. I would like to substantiate with my personal economic behavior. I am a citizen of India, a PhD in one of the social sciences from a US university, and I work for an IFI in Asia. I remit money home on a regular basis to support my family back home and also to invest there. And, why not so? In the country where I work, I receive only 0.25 percent by way of bank interest if I were to invest my savings here. On the other hand, in India where I come from, not only my savings are not taxed (as the law provides so for the non-resident Indians), I get a minimum of 3.5 percent of simple bank interest and up to 8% interest for term deposits. For me, as an individual, this is a rational decision making by remitting money home for maximizing my earnings. I would presume that even a person with a relatively less education level would be economically behaving in the same manner that I do.