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Atricle Dump - XL Results Foundation's Newsletter February 2006
Loans For Your Crucial Needs And A Better Lifestyle of their profits back to their own nominated causes.Your personal needs may vary from time to time. If last month it was your education fees, this time it could be your desire to buy the latest electronic gadgets.Brits find it very convenient to buy anything and everything on credit and repay later in cuinstalments. If you too have a penchant for better living and better lifestyle, borrow some money and help yourself get what you want.Personal loans can contribute to your cause. These loans are available in both sered and unsecured forms, serving you in every possible monetary requirement. The popularity of these loans can be judged on the basis of some statistics. It is estimated that by the end of March 2007, the total UK personal debt was ?1,318 billion. Over the last 12 months, the growth rate increased to 10.5 per cent which resulted in an increase of ?116 billion.Personal loans are prospering on popularity. People are now slowly but surely realising that multiple overdrafts and credit card debts proves to be more costly as they involve high interest rates. Similarly, the rate of interest is very high if you opt for showroom finance when purchasing a car. Persona Every month over one million Chinese have moved out of extreme poverty, month after month, year after year, for the last ten years. Environment: The Planet’s greatest environmental threats – including the most imminent extinctions, highest illegal wildlife trafficking, greatest reef destruction and ocean warming, greatest pollution and toxic emission increases and highest increases in energy consumption – can all be found in Asia. The biggest culprits of excessive consumption and destruction are not individuals, but companies. As entrepreneurs, our businesses have an enormous capacity to create or destroy. At our Global Entrepreneur Summit this July, we are promoting sustainable development with our Social Entrepreneur of the Year Award recognizing the entrepreneurs whose businesses are positively impacting the environment. Effective Giving: According to the Giving USA Report – The Yearbook on America’s philanthropy – US charitable giving hit a record $250 billion in 2004. There is no shortage of advice in the US on how to give effectively. Network For Good (an online venture between Time Warner and Yahoo!) is an example, listing over one million charities (mostly US) and advising Americans on the most effective way to contribute time and money to these causes. Since its launch in Tips On Refinancing Your Home - When To Convert To an ARM Happy Year of the Dog! What do you expect to achieve this year? More importantly, what do you intend to contribute? This year we launch the Billion Dollar Challenge through a combination of the XL Charity Network, XL Social Enterprise Accreditation Programme and XL Results Centre. This year - the fourth in our journey towards our Vision 2020 – we are focused at establishing a platform for effective giving in Asia.Common advice tells borrowers they should refinance their adjustable rate mortgage (ARM) to a fixed-rate mortgage. However, there are times when it makes better financial sense to do the reverse. The prime reason is that an ARM provides lower rates.Low Interest Rates Of An ARMAn ARM’s primary benefit is a lower interest rate. Typically a couple of points lower than a fixed-rate mortgage, an ARM can save you thousands. The downside is that an ARM’s rates can rise.However, if you are planning to move in a couple of years or expect rates to drop, then an ARM may be worth the risk. If you are worried about rising rates, you can select an ARM with rate and payment caps. There are also ARMs that convert to a fixed-rate after a preset number of years.Smaller Payments With An ARMAn ARM can also give you smaller payments temporarily through lower rates. Even though these payments may rise, you can expect your wages to increase with the rate of inflation as well.If you need some temporary breathing room in your budget, you may find that an ARM can help. There is always risk with this option, especia That’s the subject of this month’s newsletter: Who has the power to change the world? Do you? If it takes resources to create change, do you have the resources? Your resources are not determined by your efforts, but by your network. This year our network is launching the Billion Dollar Challenge – to generate a billion dollars of new wealth each year with at least 10% of this – one hundred million dollars contributed to charity. Each of us has the power to transform our own personal wealth, but only collectively do we have the power to transform World Wide Wealth. How do we do so effectively? We are focused all our efforts in Asia Pacific for good reason. Most charity contributions in the West remain in the West. There is more media focus on social, health and poverty issues in Africa than Asia. Yet Asia houses more than half of the World’s poor, more than double the number in Africa and is home to more :serious environmental issues than the rest of the World’s countries put together. With its growing economies, Asia also happens to contain the energy and resources – if harnessed properly – to correct this. Different Continent, Different Solutions Effective giving is shaping the world. The Time Magazine Persons of the Year 2005 were Bill & Melinda Gates and Bono. While the richest couple in the World dedicate their own fortune to health care and education, Bono is driving change by mobilizing resources in the West to end poverty in Africa. His organization, DATA, stands for Debt, AIDS, Trade, Africa. The entire ‘Make Poverty History’ and ONE Campaign is based on putting pressure on western governments to make poverty history in Africa in the three areas of canceling debt relief, medical support and lifting trade sanctions. Bono has rightly identified that the solutions to Africa’s poverty lie largely in the West – and with the West’s governments. In contrast to Africa, making poverty history in Asia requires entirely different solutions. It is a bigger challenge, with simpler solutions. The resources needed to end poverty are not on the other side of the planet, but on our own doorstep. The actions necessary are not from our governments, but from ourselves. Asian countries are not debilitated by the same debt, health and trade sanction issues as Africa. In 2004, over US$200 billion of investment dollars flowed into this region. This compares to an all-time-high outflow from the US of US$252 billion (compared to US$141 billion in 2003). The combined GDP of the Asia Pacific region now stands at over US$10 trillion, compared to just over US$11 trillion for the European Union. Within two years, Asia Pacific will overtake the EU as an economic group. Within five years, our combined GDP will overtake the US. Unchecked, this phenomenal wealth transfer will lead to even greater environmental and social crises. Harnessed, this same flow can eliminate poverty entirely. How? By directing our growing resources into four ‘E’s: Education, Enterprise, Effective Giving and the Environment. Education: At the World Education Forum in 2000, the Dakar Framework for Action was adopted by 127 countries to give all primary-age children access to an education by 2015. This initiative, overseen by UNESCO, is now five years old. In 2003, the United Nations declared the next ten years the “Literacy Decade’. While there are 100 million of primary-age still out of school, there are 860 million adults who remain illiterate. (185 million in Asia Pacific). While there is now a global initiative for schooling and literacy, there is not yet a concerted campaign towards financial literacy. In this year, our XL Charity Network has begun compiling a list of the organizations and charities in each Asia Pacific country focused at providing grass-roots entrepreneur education, providing the tools for individuals to build self-sustaining businesses. By pooling information on these initiatives and connecting them with established entrepreneurs and business educators, we aim to attract more resources in time, money and expertise to support the growth of grass-roots commerce. Enterprise: In the United Nations’ Millennium Goals, set in 2002, 191 Nations committed to halving global extreme poverty by 2015 and ending poverty entirely by 2025. Within two years, one country had already achieved their 2015 target of halving poverty from their 1990 level. That country was China. In 1990 over 300 million of China’s population lived on less than $1 a day. By 2002, that had dropped to under 150 million. Every month over one million Chinese have moved out of extreme poverty, month after month, year after year, for the last ten years. It was not the government – or rock stars – that created this change. It was the entrepreneurs. The GDP of China has grown by 1,000% from its 1980 level. Enabling the rising tide of enterprise to circulate wealth is the most sustainable path to end poverty. Our XL Social Enterprise program draws a direct link between generating wealth and giving it back, recognizing and ranking the companies who are donating at least 10% of their profits back to their own nominated causes. Every month over one million Chinese have moved out of extreme poverty, month after month, year after year, for the last ten years. Environment: The Planet’s greatest environmental threats – including the most imminent extinctions, highest illegal wildlife trafficking, greatest reef destruction and ocean warming, greatest pollution and toxic emission increases and highest increases in energy consumption – can all be found in Asia. The biggest culprits of excessive consumption and destruction are not individuals, but companies. As entrepreneurs, our businesses have an enormous capacity to create or destroy. At our Global Entrepreneur Summit this July, we are promoting sustainable development with our Social Entrepreneur of the Year Award recognizing the entrepreneurs whose businesses are positively impacting the environment. Effective Giving: According to the Giving USA Report – The Yearbook on America’s philanthropy – US charitable giving hit a record $250 billion in 2004. There is no shortage of advice in the US on how to give effectively. Network For Good (an online venture between Time Warner and Yahoo!) is an example, listing over one million charities (mostly US) and advising Americans on the most effective way to contribute time and money to these causes. Since its launch in 2 Online Stock Trading Forums rest of the World’s countries put together. With its growing economies, Asia also happens to contain the energy and resources – if harnessed properly – to correct this.Stock trading involves buying shares of companies at a particular time, with a hope to resell it later at a higher price. The profits or losses incurred are determined by these price changes that are in relation to the initial price at which the stock was bought. Stock trading generally deals with buying a right to a corporation?s profits and assets. As the stock market is very volatile, stock market traders depend on various information resources. This enables them to choose the most promising corporation, to purchase its shares. It is now possible to trade stock online. The net has become a hub, with people coming together to discuss and share their experiences.Online stock trading forums are usually formed to bring people with interest in stock trading together, to form a group to exchange information. This is a great platform for people who want to start stock trading and are not sure where to start. They can gain a lot of knowledge from the experience of other more regular traders, who have traded online. Traders who have had a bad experience through any online broker can share their experience with other borrowers. This enables deb Different Continent, Different Solutions Effective giving is shaping the world. The Time Magazine Persons of the Year 2005 were Bill & Melinda Gates and Bono. While the richest couple in the World dedicate their own fortune to health care and education, Bono is driving change by mobilizing resources in the West to end poverty in Africa. His organization, DATA, stands for Debt, AIDS, Trade, Africa. The entire ‘Make Poverty History’ and ONE Campaign is based on putting pressure on western governments to make poverty history in Africa in the three areas of canceling debt relief, medical support and lifting trade sanctions. Bono has rightly identified that the solutions to Africa’s poverty lie largely in the West – and with the West’s governments. In contrast to Africa, making poverty history in Asia requires entirely different solutions. It is a bigger challenge, with simpler solutions. The resources needed to end poverty are not on the other side of the planet, but on our own doorstep. The actions necessary are not from our governments, but from ourselves. Asian countries are not debilitated by the same debt, health and trade sanction issues as Africa. In 2004, over US$200 billion of investment dollars flowed into this region. This compares to an all-time-high outflow from the US of US$252 billion (compared to US$141 billion in 2003). The combined GDP of the Asia Pacific region now stands at over US$10 trillion, compared to just over US$11 trillion for the European Union. Within two years, Asia Pacific will overtake the EU as an economic group. Within five years, our combined GDP will overtake the US. Unchecked, this phenomenal wealth transfer will lead to even greater environmental and social crises. Harnessed, this same flow can eliminate poverty entirely. How? By directing our growing resources into four ‘E’s: Education, Enterprise, Effective Giving and the Environment. Education: At the World Education Forum in 2000, the Dakar Framework for Action was adopted by 127 countries to give all primary-age children access to an education by 2015. This initiative, overseen by UNESCO, is now five years old. In 2003, the United Nations declared the next ten years the “Literacy Decade’. While there are 100 million of primary-age still out of school, there are 860 million adults who remain illiterate. (185 million in Asia Pacific). While there is now a global initiative for schooling and literacy, there is not yet a concerted campaign towards financial literacy. In this year, our XL Charity Network has begun compiling a list of the organizations and charities in each Asia Pacific country focused at providing grass-roots entrepreneur education, providing the tools for individuals to build self-sustaining businesses. By pooling information on these initiatives and connecting them with established entrepreneurs and business educators, we aim to attract more resources in time, money and expertise to support the growth of grass-roots commerce. Enterprise: In the United Nations’ Millennium Goals, set in 2002, 191 Nations committed to halving global extreme poverty by 2015 and ending poverty entirely by 2025. Within two years, one country had already achieved their 2015 target of halving poverty from their 1990 level. That country was China. In 1990 over 300 million of China’s population lived on less than $1 a day. By 2002, that had dropped to under 150 million. Every month over one million Chinese have moved out of extreme poverty, month after month, year after year, for the last ten years. It was not the government – or rock stars – that created this change. It was the entrepreneurs. The GDP of China has grown by 1,000% from its 1980 level. Enabling the rising tide of enterprise to circulate wealth is the most sustainable path to end poverty. Our XL Social Enterprise program draws a direct link between generating wealth and giving it back, recognizing and ranking the companies who are donating at least 10% of their profits back to their own nominated causes. Every month over one million Chinese have moved out of extreme poverty, month after month, year after year, for the last ten years. Environment: The Planet’s greatest environmental threats – including the most imminent extinctions, highest illegal wildlife trafficking, greatest reef destruction and ocean warming, greatest pollution and toxic emission increases and highest increases in energy consumption – can all be found in Asia. The biggest culprits of excessive consumption and destruction are not individuals, but companies. As entrepreneurs, our businesses have an enormous capacity to create or destroy. At our Global Entrepreneur Summit this July, we are promoting sustainable development with our Social Entrepreneur of the Year Award recognizing the entrepreneurs whose businesses are positively impacting the environment. Effective Giving: According to the Giving USA Report – The Yearbook on America’s philanthropy – US charitable giving hit a record $250 billion in 2004. There is no shortage of advice in the US on how to give effectively. Network For Good (an online venture between Time Warner and Yahoo!) is an example, listing over one million charities (mostly US) and advising Americans on the most effective way to contribute time and money to these causes. Since its launch in How Limited Are Small Business Phone Systems? dollars flowed into this region. This compares to an all-time-high outflow from the US of US$252 billion (compared to US$141 billion in 2003). The combined GDP of the Asia Pacific region now stands at over US$10 trillion, compared to just over US$11 trillion for the European Union. Within two years, Asia Pacific will overtake the EU as an economic group. Within five years, our combined GDP will overtake the US.All too often phone companies are willing to offer overkill business phone services. They will claim that your basic small business phone system doesn't provide the features you need and they happily offer a add-on to fix the problem. Services range from voicemail, extended voicemail, rollovers, call forwarding, etc. The question then becomes is your phone system limited? When evaluating a small business phone system, consider what you need now and then peer into the future growth of your business and plan in advance.The most common features you will need include:Voicemail - Does your system have enough voicemail extensions so you won't end up needing to add telephone company voicemail and adding a hefty bump in your phone budget.Call Forwarding - You need this feature to stay in touch with your customers and employees when you have to be out of the office. This keeps you from having to give everyone your cell or home phone number and helps to protect your privacy.Easy Installation / Configuration - While shopping for a system, look for the ability to easily install and configure it Unchecked, this phenomenal wealth transfer will lead to even greater environmental and social crises. Harnessed, this same flow can eliminate poverty entirely. How? By directing our growing resources into four ‘E’s: Education, Enterprise, Effective Giving and the Environment. Education: At the World Education Forum in 2000, the Dakar Framework for Action was adopted by 127 countries to give all primary-age children access to an education by 2015. This initiative, overseen by UNESCO, is now five years old. In 2003, the United Nations declared the next ten years the “Literacy Decade’. While there are 100 million of primary-age still out of school, there are 860 million adults who remain illiterate. (185 million in Asia Pacific). While there is now a global initiative for schooling and literacy, there is not yet a concerted campaign towards financial literacy. In this year, our XL Charity Network has begun compiling a list of the organizations and charities in each Asia Pacific country focused at providing grass-roots entrepreneur education, providing the tools for individuals to build self-sustaining businesses. By pooling information on these initiatives and connecting them with established entrepreneurs and business educators, we aim to attract more resources in time, money and expertise to support the growth of grass-roots commerce. Enterprise: In the United Nations’ Millennium Goals, set in 2002, 191 Nations committed to halving global extreme poverty by 2015 and ending poverty entirely by 2025. Within two years, one country had already achieved their 2015 target of halving poverty from their 1990 level. That country was China. In 1990 over 300 million of China’s population lived on less than $1 a day. By 2002, that had dropped to under 150 million. Every month over one million Chinese have moved out of extreme poverty, month after month, year after year, for the last ten years. It was not the government – or rock stars – that created this change. It was the entrepreneurs. The GDP of China has grown by 1,000% from its 1980 level. Enabling the rising tide of enterprise to circulate wealth is the most sustainable path to end poverty. Our XL Social Enterprise program draws a direct link between generating wealth and giving it back, recognizing and ranking the companies who are donating at least 10% of their profits back to their own nominated causes. Every month over one million Chinese have moved out of extreme poverty, month after month, year after year, for the last ten years. Environment: The Planet’s greatest environmental threats – including the most imminent extinctions, highest illegal wildlife trafficking, greatest reef destruction and ocean warming, greatest pollution and toxic emission increases and highest increases in energy consumption – can all be found in Asia. The biggest culprits of excessive consumption and destruction are not individuals, but companies. As entrepreneurs, our businesses have an enormous capacity to create or destroy. At our Global Entrepreneur Summit this July, we are promoting sustainable development with our Social Entrepreneur of the Year Award recognizing the entrepreneurs whose businesses are positively impacting the environment. Effective Giving: According to the Giving USA Report – The Yearbook on America’s philanthropy – US charitable giving hit a record $250 billion in 2004. There is no shortage of advice in the US on how to give effectively. Network For Good (an online venture between Time Warner and Yahoo!) is an example, listing over one million charities (mostly US) and advising Americans on the most effective way to contribute time and money to these causes. Since its launch in Email Marketing with Standard Email? Punch Yourself charities in each Asia Pacific country focused at providing grass-roots entrepreneur education, providing the tools for individuals to build self-sustaining businesses. By pooling information on these initiatives and connecting them with established entrepreneurs and business educators, we aim to attract more resources in time, money and expertise to support the growth of grass-roots commerce.Auto-respondersImmediate responses 24-7, 365 days a year can become quite a hassle when they are done manually, but thanks to auto-responders, an instant response to a customer or someone browsing your website can take place without you even being awake. These programs can be used to send price lists, product updates, thank you letters, order confirmations, and more.Don’t Rely Upon Standard Email ProgramsAt the beginning of your list’s life, you may believe that your own email program (i.e. yahoo.com, hotmail.com, ect.) will be sufficient to handle message sending. Things will eventually become complex and the management of what people need your newsletter and who wants notification of updates will get out of hand. If you do not have the right tools for the job then you will never see how effective a private list can be.Just imagine the amount of time an auto-responder can free-up. I mentioned earlier that timing is everything. With a good auto-responder like AWeber.com or GetResponse.com you can set the time for a message to be sent later at the key time for your marketing efforts. Also, your opt-ins can accept emai Enterprise: In the United Nations’ Millennium Goals, set in 2002, 191 Nations committed to halving global extreme poverty by 2015 and ending poverty entirely by 2025. Within two years, one country had already achieved their 2015 target of halving poverty from their 1990 level. That country was China. In 1990 over 300 million of China’s population lived on less than $1 a day. By 2002, that had dropped to under 150 million. Every month over one million Chinese have moved out of extreme poverty, month after month, year after year, for the last ten years. It was not the government – or rock stars – that created this change. It was the entrepreneurs. The GDP of China has grown by 1,000% from its 1980 level. Enabling the rising tide of enterprise to circulate wealth is the most sustainable path to end poverty. Our XL Social Enterprise program draws a direct link between generating wealth and giving it back, recognizing and ranking the companies who are donating at least 10% of their profits back to their own nominated causes. Every month over one million Chinese have moved out of extreme poverty, month after month, year after year, for the last ten years. Environment: The Planet’s greatest environmental threats – including the most imminent extinctions, highest illegal wildlife trafficking, greatest reef destruction and ocean warming, greatest pollution and toxic emission increases and highest increases in energy consumption – can all be found in Asia. The biggest culprits of excessive consumption and destruction are not individuals, but companies. As entrepreneurs, our businesses have an enormous capacity to create or destroy. At our Global Entrepreneur Summit this July, we are promoting sustainable development with our Social Entrepreneur of the Year Award recognizing the entrepreneurs whose businesses are positively impacting the environment. Effective Giving: According to the Giving USA Report – The Yearbook on America’s philanthropy – US charitable giving hit a record $250 billion in 2004. There is no shortage of advice in the US on how to give effectively. Network For Good (an online venture between Time Warner and Yahoo!) is an example, listing over one million charities (mostly US) and advising Americans on the most effective way to contribute time and money to these causes. Since its launch in Fast Easy Payday Loan Is The Easiest Way To Get Cash In An Emergency of their profits back to their own nominated causes.There are many reasons why a fast easy payday loan is the choice of many to tide over some emergency financial situation. You can do it all on the internet, it’s so simple. There is no need to wait in line in any loan store and you can even get a cash advance in a day.Getting Fast Easy Payday Loan Is A Matter Of MinutesGone are the days when you had to stand in a long line at a financial institution to get a loan. Then you had to answer endless questions about why you needed a loan. And of course the fees and interest rates would add up to a very high amount at the end of it all. Today all it takes is a few clicks of the mouse and you get your cash advance or fast easy payday loan. You just have to go online and search for the loan company that you like. Then in a few minutes you can fill up their application form and submit it. Some companies approve your loan within an hour and most of them deposit the cash in your bank account within a day.The Convenience Of A Paperless Payday LoanSometimes you just need a small amount of cash to pay for some urgent financial situation. It could be payment of some bi Every month over one million Chinese have moved out of extreme poverty, month after month, year after year, for the last ten years. Environment: The Planet’s greatest environmental threats – including the most imminent extinctions, highest illegal wildlife trafficking, greatest reef destruction and ocean warming, greatest pollution and toxic emission increases and highest increases in energy consumption – can all be found in Asia. The biggest culprits of excessive consumption and destruction are not individuals, but companies. As entrepreneurs, our businesses have an enormous capacity to create or destroy. At our Global Entrepreneur Summit this July, we are promoting sustainable development with our Social Entrepreneur of the Year Award recognizing the entrepreneurs whose businesses are positively impacting the environment. Effective Giving: According to the Giving USA Report – The Yearbook on America’s philanthropy – US charitable giving hit a record $250 billion in 2004. There is no shortage of advice in the US on how to give effectively. Network For Good (an online venture between Time Warner and Yahoo!) is an example, listing over one million charities (mostly US) and advising Americans on the most effective way to contribute time and money to these causes. Since its launch in 2001, over 200,000 people have found volunteer opportunities through the site and over $76 million has been donated through their online system. To date, Asia Pacific does not have any comparable resource. If you want to give, you have to find out how to do it most effectively yourself. This year XL will be supporting an Asia-centric online resource, run by non-profit organization, ONE Asia. By listing charities and organizations focused on the four ‘E’s, providing comparable information by charity and country, and connecting them with the individuals and social enterprises that support them, we want to raise the level of effective giving dramatically. Two More ‘E’s: Of all the vitamins, ‘E’ is the one that does the most to repair the damage we do to ourselves. As an anti-oxidant it works against the heart attacks and cancers that have become more common place in our modern lives. Our four ‘E’s serve the same function on a global scale. In the next 15 years, we will build Asia Pacific’s largest entrepreneur and non-profit networks around these four ‘E’s. World Wide Wealth is not a goal, it is a process: A global plumbing system as vital as our own blood stream, protecting our planet against the heart attacks and cancers we have the power to inflict. To these four ‘E’s, you can add two more: ‘Expertise’ and ‘Energy’. This is where you come in. Lend us your expertise and energy. Join our XL Charity Network or XL Social Enterprise Accreditation program. Visit our website or contact our General Manager, Irene Millar. Whatever expertise or energy you can provide, we will return it with interest. “You must be the change you want to see in this world.” - Mahatma Gandhi Congratulations to Penny, Peter and Andri for the new website, and to Lisa for getting the Wealth Dynamics profiling online. Do have a look at the new website, with the full 2006 schedule of over 300 events, at our webpage at the bottom. You can also take the Wealth Dynamics test at http://www.wealthdynamics.com Belief, courage, action -Roger Hamilton XL Results Foundation Pte Ltd
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