Kiva is a wonderful site that provides opportunities for regular people to provide loans to people in other far-off places, often in developing countries with the goal of helping their businesses become more self-sufficient. Kiva borrowers have a very high payback rate -- I think it was in the high 95+% so the loans are relatively safe. Of course, there is no interest, so there's not any goal of making money. Instead, the goal is to provide access to cheap credit/capital for these businesses. This is something that we have here in the United States at very low cost. If you want, you can use this referral link to sign up and get a free loan opportunity worth 25 dollars.
small steps toward making myself a better, richer, and happier man.