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[Nikephoros_Phokas]

It is often hard to pick out a present for other people, and often due to social expectations, it is seen as being stingy to not give a gift. One possible solution is to give a Kiva microloan card out as a Christmas gift. What Kiva does is allow them to select someone from the developed world to give a microloan to. There is however a small chance you could lose your principle, but they have 98.98% repayment rate, so it is unlikely, and especially so if you look at the history of the local micro-lending partner and check out their repayment rate.

Whatever you get someone in the developed world, they will not be very happy by it, but in the non-developed world even a $25 microloan makes a big difference in helping them obtain a livelihood. This way you can give your friends or family the money represented by the gift card eventually as the loan is eventually repaid and help someone else out in more dire need also. There are many Armenians you can choose to loan to.

Mods/Admins: Maybe you can make this sticky or figure out other ways to make this far more visible on this forum?