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<h1 style="text-align: center;"><span style="background-color: #00ff00;">SUMMARY</span> - Annual Letter 2015</h1>
<h2>[WHAT]</h2>
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<li>]&nbsp;by <a href="/view/person?id=286" target="_blank">Bill Gates</a> -&nbsp;The annual letter from the Bill and Melinda(B+M) Gates foundation, Gates sets ambitious global goals for making the world a better place, makes a big bet on the future, that ...</li>
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<h2>[WHY]</h2>
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<li><strong>]&nbsp;40 years ago, Gates and Allen "bet" on the PC,</strong></li>
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<li>] "that turned out well"</li>
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<li><strong>] 15 years ago, the Gates foundation,&nbsp;started with the idea ...</strong></li>
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<li>] that by backing innovative work in health and education, we could help dramatically reduce inequity.</li>
<li>] The progress we've seen so far is very exciting so exciting that ...</li>
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<li><strong>] "we are doubling down on the bet we made 15 years ago ..." </strong></li>
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<li>] and picking ambitious goals for what's possible 15 years from now.</li>
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<h2>[WHERE]</h2>
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<li><strong>] READ THE FULL ARTICLE</strong></li>
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<li>]&nbsp;<a href="http://www.gatesnotes.com/2015-annual-letter" target="_blank">http://www.gatesnotes.com/2015-annual-letter</a></li>
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<h2>[WHEN]</h2>
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<li>] 2015-01-22</li>
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<h2>[EXAMPLE]</h2>
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<li><strong>] their big bet ...</strong></li>
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<li>] &ldquo;the lives of people in poor countries will improve faster in the next 15 years than at any other time in history&nbsp; And their lives will improve more than anyone else's."</li>
<li>] We're putting our credibility, time, and money behind this bet &mdash; and asking others to join us &mdash; has never been a better time to accelerate progress and have a big impact around the world.</li>
<li>] we shouldn't lose sight of the fact that a handful of the worst-off countries will continue to struggle</li>
<li>] It's great that more people in rich countries will be able to watch movies on super hi-resolution screens. It's even better that more parents in poor countries will know their children aren't going to die.</li>
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<li><strong>] goals for 15 years</strong></li>
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<li><strong>] health</strong> - Child deaths will go down and more diseases will be wiped out.</li>
<li><strong>] farming</strong> - Africa will be able to feed itself</li>
<li><strong>] banking</strong> - mobile banking will help the poor transform their lives</li>
<li><strong>] education</strong> - better software will revolutionalize learning &nbsp;</li>
<li>] conclusions -</li>
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<li><strong>] health</strong></li>
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<li>] Cutting the number of children who die before age 5 in half again</li>
<li>] Reducing the number of women who die in childbirth by two thirds.</li>
<li>] Wiping polio and three other diseases off the face of the earth.</li>
<li>] Finding the secret to the destruction of malaria.</li>
<li>] Forcing HIV to a tipping point.</li>
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<li><strong>] farming</strong></li>
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<li>]&nbsp;7 of 10&nbsp;living in sub-Saharan Africa are farmers. (Compared to US, 2/100) And yet Africa has to rely on imports and food aid to feed itself. Though it's the poorest continent in the world, it spends about $50 billion a year buying food from rich countries.</li>
<li>] Crop yeilds can be about 1/5 of what they are in the US</li>
<li>]&nbsp; a related problem, which is that the food most Africans eat isn't nutritious or varied enough to make up a healthy diet. For example, many Africans consume starchy staples &mdash; maize, rice, or cassava &mdash; almost exclusively. As a result, malnutrition runs rampant across a continent of farmers,</li>
<li>] With the right investments, we can deliver innovation and information to enough farmers in Africa to increase productivity by 50 percent for the continent overall.</li>
<li>] Proper use of fertilizer -</li>
<li>] Crop Rotatation</li>
<li>] Timing -</li>
<li>] Planting Techniques -</li>
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<li><strong>] mobile banking</strong></li>
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<li>] &ldquo;Already, in the developing countries with the right regulatory framework, people are storing money digitally on their phones and using their phones to make purchases, as if they were debit cards,&rdquo;</li>
<li>] &ldquo;By 2030, 2 billion people who don&rsquo;t have a bank account today will be storing money and making payment with their phones. And by then, mobile money providers will be offering the full range of financial services, from interest-bearing savings accounts to credit to insurance</li>
<li>]&nbsp;smartphone will be the primary catalyst, close to 80% in developing countries already have service</li>
<li>] the financial lives of the poor are very complicated</li>
<li>] 2.5 B adults without a bank account, traditional banks cant afford to serve the poor,</li>
<li>] microcredit -</li>
<li>] mobile money - Kenya mpesa - launched in 2007, currently 1018 active accounts per 1000 adults</li>
<li>] companies pioneering mobile banking find it profitable to serve the poor because the marginal cost of processing a digital transaction is near zero.</li>
<li>] so many people in developing countries have mobile phones &mdash; more than 70 percent of adults in many countries are subscribers now &mdash; the volume of transactions can be very high.</li>
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<li><strong>] education</strong></li>
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<li>] &ldquo;As high-speed cell networks grow and smartphones become as cheap as today&rsquo;s voice-only phones, online education will flourish. For people in rich countries, it will be an important step forward.</li>
<li>] For the rest of the world, especially in places where growth is creating demand for educated workers,<strong> it will be a revolution.&rdquo;</strong></li>
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<li><strong>] call to action</strong></li>
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<li>] So what will it take to make sure that the lives of the poor improve faster in the next 15 years than ever before?</li>
<li>] As we said earlier, it will take innovation in technology and in ways to deliver it to the people who need it most, which is what our foundation works on.</li>
<li>] There&rsquo;s another crucial factor: informed, passionate individuals working together to form effective movements for change. People who care about helping those in the world&rsquo;s poorest places improve their lives. We call them global citizens. And with this letter, we&rsquo;re helping to kick-start an effort to recruit tens of millions more of them</li>
<li>] Becoming a global citizen doesn&rsquo;t mean you have to dedicate your life to helping the poor. It does mean you<strong> follow an issue of global importance</strong>&mdash;whether it&rsquo;s one we wrote about in this letter, or another, like human rights or governance. You take a few minutes once in a while to learn about the lives of people who are worse off than you are. (In fact, if you&rsquo;re still reading this far into our letter, you are probably a global citizen.) <strong>You&rsquo;re willing to act on your compassion, ] whether it&rsquo;s raising awareness, ] volunteering your time, or ] giving a little money.</strong></li>
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<h2>[HOW-TO]</h2>
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<li><strong>] Become a global citizen sign up at </strong></li>
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<li>] <a href="http://www.globalcitizen.org/" target="_blank">globalcitizen.org</a></li>
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<h2>[REFERENCE]</h2>
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<li><strong>] view/person</strong></li>
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<li>] <a href="/view/person?id=286" target="_blank">Bill Gates</a>&nbsp;-</li>
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<h1 style="text-align: center;">&nbsp;</h1>

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