As we approach the end of 2007 and the gift-giving season, we look back to see what were the highlights of the year, what have we learned and achieved. I think that one of the things that struck me the most this year was the increase in options available on how to get engaged, invest or donate using the web. It has never been so easy to make a difference or try, at least. For investments in microfinance one can go to Kiva or Microplace. For donations one can start searching with Global Giving. Any topic is easy with the help of Google and Wikipedia. So we launched a modest Xmas project. Instead of Xmas presents to our nieces/nephews and children of our friends we have given everyone a stipend for them to either donate or invest. They first have to research and find a cause or project that appeals to them, donate or invest. At least half of the amount has to be used for the project and the rest they can keep it for their own. Another condition was that they have to give a mini presentation in the new year on how they found the project and why they chose it. The children and youth are in Switzerland, Japan and Australia. I am thrilled to learn from their findings.