If you’re having trouble choosing the right gift this year, consider giving a gift certificate from Kiva.org.  Kiva brings together poor people in great need with everyday individuals willing to lend them money.  These micro-loans provide the opportunity to help people around the world start businesses and get on their feet.  You can choose exactly who you want to give a loan to, and how much you want to give them.  The loans generally run from 6-12 months, and are for items such as a motor bike for a Cambodian man who wishes to begin a moto-taxi business.  You’re able to track the progress of the person you give the loan to, and be paid back over time.  It’s a great gift that will bring happiness for years to come for both you and the person you help!