If anyone else uses Kiva.org they're running the promotion again that if you refer anyone, you both get a free $25 to make a loan.

If you've never heard of Kiva or want a free loan, I put my "referral" on my wall - I don't profit I just also get a free loan to .. loan out.

If you've never heard of Kiva, check it out here: http://www.kiva.org/about/how It's a microfinance site. I love giving gift cards because it's a donation but the recipient gets to choose who they want it to go to!