Neat Ways to Help Out

This website allows you to loan money to poor workers to expand/start businesses. You lend them money, and then eventually you get it back. You lose nothing, and in the process, you help a whole family: http://www.kiva.org/app.php?page=about

This website gives you a way to donate money to a legitimate organization (though I'm not sure how legit), and gives 100% of your donation to the ngo of your choice. It also lets you search for volunteer opportunities throughout the world, many of which do not require pay or even give you a stipend: http://www.universalgiving.org/jsp/index.do