I know at this time of year that there are a lot of folk who are encouraging you to donate before the end of the year, but if you haven't already and are looking for a place to donate or give or contribute, how about Kiva.

You give a bit of money via Kiva to someone who is in need of a micro-loan and they use it to start or improve their business. They pay you back via Kiva. Repeat cycle.

Let's give a hand up to Elizabeth and many others at Kiva: