Kiva lets you help hard-working people in developing countries to whom small amounts of money mean a lot. Every time a loan is paid off, you get the gift of being able to re-lend to someone else. (In the photo we are at the Three Rivers Dam on the Yangtze River, in China.)
Terry helps run an organization for people who work at colleges and universities and who are planning for the future of higher (tertiary) education. Sheila is a health and wellness professional.