I read about Kiva loans a while back and forgot all about them. They are small loans you can make to people in countries such as Uganda, or the Phillippines and many other places who are trying to improve their lives. The loan you make, provided their business does well, will get paid back to you. It's a great program, because instead of just giving them food, or clothes, it is helping people to become able to take care of themselves. You know the whole give a man a fish, teach a man to fish thing? Well anyway, they are offering the opportunity to give a free $25 loan as part of a free trial. Now, you won't get the money paid back to you, because of course, you didn't pay it, but you will get updates from the person you gave the loan to. Try it...it's a great way to help people that will continue to give back to them long term.