Hi Kevin, thanks a lot for the stories and the insight. I'm using Kiva for many years and can highly recommend it. It's legit and you can massively impact the the world and help people who need it by lending and not just donating. Add some money into your account and re-use it across several campaigns as people pay their dues back. The TechAcute team has loaned more than 1,000 USD in total across many campaigns. Find out more on how that works if you like: http://techacute.com/kiva-micro-loans/