I've long been a fan of microfinance or microlending where a small loan can make a big difference. To date, I've made several small investments via both Microplace.com and Kiva.org. And, in addition to doing good, I'm doing well. The money is loaned to poor people--mostly women--in various parts of the world. Microlending, like other uninsured investments, is subject to all sorts of risks. But, based on past performance, the odds of seeing your money again are pretty high. Historically, 97 percent of low-income borrowers have paid back their microfinance loans. Kiva.org is a not-for-profit organization. From a user perspective, one of the big differences between the two organizations is that Kiva doesn't pay interest. Also, Kiva is a bit more "peer to peer" in that its Web site shows you information about the specific entrepreneur who will be receiving your loan. One feature I like about Kiva is that you can purchase gift certificates for as little as $25. That's what I'm now doing for the children in my life. By giving them a Kiva gift certificate they and their parents get to chose who to loan it to and, eventually, the child gets the $25 back. It's a good long-term investment in social consciousness. And, yes, I've put my money where my words are. After a couple of years investing in both Kiva and Microplace, I have nothing but happy (albeit small) returns.