Kiva.org
You want to help, but you don’t know where your donation will go, so you hold on to it, buy a round of beers at happy hour on Friday and your philanthropic ways never materialize. If this sounds like you, check out the micro-lending site www.kiva.org. You choose who you lend to, amounts as small as $25 make a difference to the person in Nicaragua trying to build a house, or the shop keeper in Israel trying to expand their business. It is a loan, not charity, so you can re-loan it and help out someone else. Yes, it is one less round of beers you will buy at happy hour, but think of how much it can help someone else and your waistline.
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