Christmas Giving......

Have you discovered Kiva.org yet? A site where you can loan money to people in countries that have a lot less than we do. You give a particular person a loan [or part of a loan - starting with $25.00] to help them get a start or add to their current business. They pay the loan back and you can either remove your money or loan it to another business person. I think this is a great way to help those who want to help themselves. Not sure that we shouldn't have the same thing in North America.