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	<title>Craig&#039;s freelance blog &#187; Finance</title>
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		<title>Craig&#039;s freelance blog &#187; Finance</title>
		<link>http://3reelance.com</link>
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		<item>
		<title>People practices of high-performing companies</title>
		<link>http://3reelance.com/2011/10/16/people-practices-of-high-performing-companies/</link>
		<comments>http://3reelance.com/2011/10/16/people-practices-of-high-performing-companies/#comments</comments>
		<pubDate>Sun, 16 Oct 2011 03:56:49 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Human resources]]></category>
		<category><![CDATA[Leadership]]></category>
		<category><![CDATA[financial performance]]></category>
		<category><![CDATA[high performance]]></category>
		<category><![CDATA[human capital]]></category>
		<category><![CDATA[people performance]]></category>
		<category><![CDATA[talent management]]></category>

		<guid isPermaLink="false">http://3reelance.com/?p=385</guid>
		<description><![CDATA[Article published in AFR BOSS: People practices of high-performing companies. We know intrinsically that good leadership leads to strong financial performance. But, to date, it&#8217;s been rare to get hard evidence of that link in Australian companies. A landmark research report, released this month, has now applied some science to identifying exactly which people management [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=3reelance.com&#038;blog=8928289&#038;post=385&#038;subd=3reelance&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Article published in <em>AFR BOSS</em>: <strong>People practices of high-performing companies. </strong></p>
<p>We know intrinsically that good leadership leads to strong financial performance. But, to date, it&#8217;s been rare to get hard evidence of that link in Australian companies. A landmark research report, released this month, has now applied some science to identifying exactly which people management strategies correlate with better financial results. <a title="People practices of high-performing companies" href="http://www.ske.org.au/download/Boss_High_performing.pdf">See the full article here …</a></p>
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		<title>Getting AML right</title>
		<link>http://3reelance.com/2011/06/14/getting-aml-right/</link>
		<comments>http://3reelance.com/2011/06/14/getting-aml-right/#comments</comments>
		<pubDate>Tue, 14 Jun 2011 02:09:45 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Risk management]]></category>

		<guid isPermaLink="false">http://3reelance.com/?p=373</guid>
		<description><![CDATA[Article published in Risk Management magazine: Getting AML right. With AUSTRAC taking a more active approach in enforcing anti-money laundering laws, risk management professionals need to be vigilant when it comes to compliance, writes Craig Donaldson. See the full article here (PDF scan) &#8230;<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=3reelance.com&#038;blog=8928289&#038;post=373&#038;subd=3reelance&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Article published in <em>Risk Management</em> magazine: <strong>Getting AML right.</strong></p>
<p>With AUSTRAC taking a more active approach in enforcing anti-money laundering laws, risk management professionals need to be vigilant when it comes to compliance, writes Craig Donaldson. <a title="Getting AML right" href="http://www.iia.org.au/Libraries/News_Items/Getting_AML_Right.sflb.ashx">See the full article here (PDF scan) &#8230;</a></p>
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		<title>Building internal audit from the ground up</title>
		<link>http://3reelance.com/2011/06/01/building-internal-audit-from-the-ground-up/</link>
		<comments>http://3reelance.com/2011/06/01/building-internal-audit-from-the-ground-up/#comments</comments>
		<pubDate>Wed, 01 Jun 2011 02:02:07 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Risk management]]></category>

		<guid isPermaLink="false">http://3reelance.com/?p=370</guid>
		<description><![CDATA[Article published in Risk Management magazine: Building internal audit from the ground up. The Hollard Insurance Company has taken a whole-of-business approach in building a strong internal audit program, writes Craig Donaldson. See the full article here &#8230;<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=3reelance.com&#038;blog=8928289&#038;post=370&#038;subd=3reelance&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Article published in <em>Risk Management</em> magazine: <strong>Building internal audit from the ground up.</strong></p>
<p>The Hollard Insurance Company has taken a whole-of-business approach in building a strong internal audit program, writes Craig Donaldson. <a title="Building internal audit from the ground up" href="http://www.riskmagazine.com.au/articles/47/0c070d47.asp">See the full article here &#8230;</a></p>
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		<title>Chinks in the armour</title>
		<link>http://3reelance.com/2011/05/21/chinks-in-the-armour/</link>
		<comments>http://3reelance.com/2011/05/21/chinks-in-the-armour/#comments</comments>
		<pubDate>Sat, 21 May 2011 02:12:52 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Risk management]]></category>

		<guid isPermaLink="false">http://3reelance.com/?p=376</guid>
		<description><![CDATA[Article published in Risk Management magazine: Chinks in the armour. Fraud is an ongoing issue for many Australian organisations. Craig Donaldson looks at the latest fraud trends, explores the most common vulnerabilities and details how companies can take a proactive and preventative approach to fraud. See the full article here, starting page 12 …<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=3reelance.com&#038;blog=8928289&#038;post=376&#038;subd=3reelance&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Article published in <em>Risk Management</em> magazine: <strong>Chinks in the armour.</strong></p>
<p>Fraud is an ongoing issue for many Australian organisations. Craig Donaldson looks at the latest fraud trends, explores the most common vulnerabilities and details how companies can take a proactive and preventative approach to fraud. <a title="Chinks in the armour" href="http://issuu.com/riskmanagementmagazine/docs/2001-05-01?mode=embed&amp;layout=http%3A%2F%2Fskin.issuu.com%2Fv%2Fdarkicons%2Flayout.xml&amp;showFlipBtn=true">See the full article here, starting page 12 …</a></p>
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		<title>The risks of a rising dollar</title>
		<link>http://3reelance.com/2011/05/06/the-risks-of-a-rising-dollar/</link>
		<comments>http://3reelance.com/2011/05/06/the-risks-of-a-rising-dollar/#comments</comments>
		<pubDate>Fri, 06 May 2011 01:47:53 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Risk management]]></category>

		<guid isPermaLink="false">http://3reelance.com/?p=361</guid>
		<description><![CDATA[Article published in Risk Management magazine: The risks of a rising dollar. With a high Australian dollar, companies should revisit their risk management strategies and implement good hedging policies, writes Craig Donaldson. See the full article here &#8230;<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=3reelance.com&#038;blog=8928289&#038;post=361&#038;subd=3reelance&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Article published in <em>Risk Management</em> magazine: <strong>The risks of a rising dollar.</strong></p>
<p>With a high Australian dollar, companies should revisit their risk management strategies and implement good hedging policies, writes Craig Donaldson. <a title="The risks of a rising dollar" href="http://www.riskmagazine.com.au/articles/45/0c070645.asp">See the full article here &#8230;</a></p>
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		<title>Your 5 minute guide to refinancing your home loan</title>
		<link>http://3reelance.com/2011/02/13/your-5-minute-guide-to-refinancing-your-home-loan/</link>
		<comments>http://3reelance.com/2011/02/13/your-5-minute-guide-to-refinancing-your-home-loan/#comments</comments>
		<pubDate>Sun, 13 Feb 2011 09:22:56 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[Copywriting]]></category>
		<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://3reelance.com/?p=305</guid>
		<description><![CDATA[Article published on BankWest website: Your 5 minute guide to refinancing your home loan. In the past years, many borrowers stuck with their home loan for the duration of their loan until fully paid off. However, with increased competition and many new lenders entering the market in recent years, borrowers are much more willing to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=3reelance.com&#038;blog=8928289&#038;post=305&#038;subd=3reelance&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Article published on BankWest website: <strong>Your 5 minute guide to refinancing your home loan.</strong></p>
<p>In the past years, many borrowers stuck with their home loan for the duration of their loan until fully paid off. However, with increased competition and many new lenders entering the market in recent years, borrowers are much more willing to refinance their loans for a number of reasons. <a title="Your 5 minute guide to refinancing your home loan" href="http://www.bankwest.com.au/media-centre/product-news/your-5-minute-guide-to-home-loans-and-interest-rates-1292481466324?isPagingPostBack=1&amp;yr=0&amp;pageroffset=30&amp;pid=1266997870976">See the full article here &#8230;</a></p>
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		<title>Top 7 tips to help you pay off your home loan sooner</title>
		<link>http://3reelance.com/2011/02/13/top-7-tips-to-help-you-pay-off-your-home-loan-sooner/</link>
		<comments>http://3reelance.com/2011/02/13/top-7-tips-to-help-you-pay-off-your-home-loan-sooner/#comments</comments>
		<pubDate>Sun, 13 Feb 2011 09:21:12 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[Copywriting]]></category>
		<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://3reelance.com/?p=303</guid>
		<description><![CDATA[Article published on BankWest website: Top 7 tips to help you pay off your home loan sooner. While a home loan will be the most expensive purchase of most peoples&#8217; lives, there are a number of steps that borrowers can take to pay off their home loan sooner. See the full article here &#8230;<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=3reelance.com&#038;blog=8928289&#038;post=303&#038;subd=3reelance&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Article published on BankWest website: <strong>Top 7 tips to help you pay off your home loan sooner.</strong></p>
<p>While a home loan will be the most expensive purchase of most peoples&#8217; lives, there are a number of steps that borrowers can take to pay off their home loan sooner. <a title="Top 7 tips to help you pay off your home loan sooner" href="http://www.bankwest.com.au/media-centre/product-news/top-7-tips-to-help-you-pay-off-your-home-loan-sooner-1292481466228?isPagingPostBack=1&amp;yr=0&amp;pageroffset=50&amp;pid=1266997870976">See the full article here &#8230;</a></p>
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		<title>Your 5 minute guide to Home Loans and Interest Rates</title>
		<link>http://3reelance.com/2011/02/13/your-5-minute-guide-to-home-loans-and-interest-rates/</link>
		<comments>http://3reelance.com/2011/02/13/your-5-minute-guide-to-home-loans-and-interest-rates/#comments</comments>
		<pubDate>Sun, 13 Feb 2011 09:19:19 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[Copywriting]]></category>
		<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://3reelance.com/?p=301</guid>
		<description><![CDATA[Article published on BankWest website: Your 5 minute guide to Home Loans and Interest Rates. A home loan is the most common means of buying your own property. Home loans are provided by a lender, most often a bank, on the basis that the initial amount borrowed (the principal) will be repaid on a regular [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=3reelance.com&#038;blog=8928289&#038;post=301&#038;subd=3reelance&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Article published on BankWest website: <strong>Your 5 minute guide to Home Loans and Interest Rates.</strong></p>
<p>A home loan is the most common means of buying your own property. Home loans are provided by a lender, most often a bank, on the basis that the initial amount borrowed (the principal) will be repaid on a regular set basis, together with interest, which is essentially a fee charged by the lender for borrowing the money. <a title="Your 5 minute guide to Home Loans and Interest Rates" href="http://www.bankwest.com.au/media-centre/product-news/your-5-minute-guide-to-home-loans-and-interest-rates-1292481466324?isPagingPostBack=1&amp;yr=0&amp;pageroffset=30&amp;pid=1266997870976">See the full article here &#8230;</a></p>
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		<title>7 Common Home Loan Myths</title>
		<link>http://3reelance.com/2011/02/13/7-common-home-loan-myths/</link>
		<comments>http://3reelance.com/2011/02/13/7-common-home-loan-myths/#comments</comments>
		<pubDate>Sun, 13 Feb 2011 09:18:01 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[Copywriting]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[home loan mistakes]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[misconceptions]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[myths]]></category>
		<category><![CDATA[pitfalls]]></category>

		<guid isPermaLink="false">http://3reelance.com/?p=299</guid>
		<description><![CDATA[Article published on BankWest website: 7 Common Home Loan Myths. Buying a home will usually be the biggest investment that most Australians make. Before you wade into the home loan market, however, there are a number of common mortgage myths that need to be dispelled in order to get the best home loan deal. See [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=3reelance.com&#038;blog=8928289&#038;post=299&#038;subd=3reelance&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Article published on BankWest website: <strong>7 Common Home Loan Myths</strong>.</p>
<p>Buying a home will usually be the biggest investment that most Australians make. Before you wade into the home loan market, however, there are a number of common mortgage myths that need to be dispelled in order to get the best home loan deal. <a title="7 Common Home Loan Myths" href="http://www.bankwest.com.au/media-centre/product-news/common-home-loan-myths-1292481466259?isPagingPostBack=1&amp;yr=0&amp;pageroffset=40&amp;pid=1266997870976">See the full article here &#8230;</a></p>
<div id="_mcePaste" class="mcePaste" style="position:absolute;left:-10000px;top:0;width:1px;height:1px;overflow:hidden;"><!--[if gte mso 9]&gt;  Normal 0     false false false  EN-AU X-NONE X-NONE              MicrosoftInternetExplorer4              &lt;![endif]--><!--[if gte mso 9]&gt;                                                                                                                                            &lt;![endif]--><!--[if gte mso 10]&gt; &lt;!   /* Style Definitions */  table.MsoNormalTable 	{mso-style-name:&quot;Table Normal&quot;; 	mso-tstyle-rowband-size:0; 	mso-tstyle-colband-size:0; 	mso-style-noshow:yes; 	mso-style-priority:99; 	mso-style-qformat:yes; 	mso-style-parent:&quot;&quot;; 	mso-padding-alt:0cm 5.4pt 0cm 5.4pt; 	mso-para-margin-top:0cm; 	mso-para-margin-right:0cm; 	mso-para-margin-bottom:10.0pt; 	mso-para-margin-left:0cm; 	line-height:115%; 	mso-pagination:widow-orphan; 	font-size:11.0pt; 	font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;; 	mso-ascii-font-family:Calibri; 	mso-ascii-theme-font:minor-latin; 	mso-fareast-font-family:&quot;Times New Roman&quot;; 	mso-fareast-theme-font:minor-fareast; 	mso-hansi-font-family:Calibri; 	mso-hansi-theme-font:minor-latin; 	mso-bidi-font-family:&quot;Times New Roman&quot;; 	mso-bidi-theme-font:minor-bidi;} --> <!--[endif]--><span style="font-size:12pt;font-family:&quot;" lang="EN-US">best deal </span></div>
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		<title>Fine for an unlocked car</title>
		<link>http://3reelance.com/2011/01/28/fine-for-an-unlocked-car/</link>
		<comments>http://3reelance.com/2011/01/28/fine-for-an-unlocked-car/#comments</comments>
		<pubDate>Fri, 28 Jan 2011 09:36:20 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[Copywriting]]></category>
		<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://3reelance.com/?p=315</guid>
		<description><![CDATA[Article published on Allianz website: Fine for an unlocked car. Did you know that in some States, you can actually get fined if you walk away from your car ‎without locking it? You can even get fined if your windows are wound down too far while ‎the car is unattended.‎ See the full article here [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=3reelance.com&#038;blog=8928289&#038;post=315&#038;subd=3reelance&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Article published on Allianz website: <strong>Fine for an unlocked car.</strong></p>
<p>Did you know that in some States, you can actually get fined if you walk away from your car ‎without locking it? You can even get fined if your windows are wound down too far while ‎the car is unattended.‎ <a title="Fine for an unlocked car" href="http://www.allianz.com.au/car-insurance/fine-for-an-unlocked-car">See the full article here &#8230;</a></p>
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