How do you change a life?

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Hey everyone, quick question. Imagine you had a need - be it dire or simple. Now imagine a homeless beggar on the street. If you were that beggar, would you pass "y.o.u." by knowing the severity or simplicity of that person's need, knowing it could only be met by someone else's kindness & generosity?? How do begin the walk of charity unto change?? What is the difference between walking away and doing something? (Heart search) In my heart and mind - I think I am a philanthropist. But, this comes from seeing & wanting to meet so many needs. Should it be more about the joy of giving?? Or is this a real hard-nosed work? How do you change the lives of people around you (thus the world)?