If you're stuck for ideas for Christmas Gifts...

Please take the time to check out Kiva-Loans That Change Lives. It's so simple to buy a gift certificate in someones name. They recipient gets the joy of picking an entrepreneur to help, and it's a gift that keeps on giving. A loan is made, and when it's re-paid, it can be re-invested, over and over. One small gift can do so much and help so many. I LOVE this! It's fast, simple and secure...and no malls are involved!