So I was reading an article about how this all started, and thought WHAT A GREAT IDEA, and love to tell everyone about a great idea...a teacher living on $33k started his own website to help people out who had small financial needs that were one-time only type of things. In 2002 he opened his idea to others and now has a not for profit. For every dollar donated, it is matched by the Herb Albert Foundation, which has contributed $1.4MILLION so far. So if you want to feel like you are directly helping another human being, you can use this site to pick or make a general donation. FAUBULOUS! You can read the entire article in FORBES AUGUST 11, 2008 edition. I was surprised to see such an article written in this magazine, since it is so in favor of capitalism and against socailism but I guess they admired the entrepreurial spirit of the enterprise. I love stories that celebrate the power of one - one person can make a difference!