There are now many organizations making micro-loans with the help of people like yourself - on line. Consider this instead of giving a gift to someone who may have just about all the "things" they need on the one hand and would appreciate participating in global healing on the other.

You can choose the recipient on line and track the progress of how your micro-loans are applied.

www.KIVA.org is a favorite.

See also www.globalgiving.com

Blessings

Dan