Kiva, an organization that facilitates microloans to people in need, is offering a free $25 credit at Kiva to first time Kiva lenders to make a loan. Of course, what they'd really like is for people to then make more loans with their own money. As Kiva loans get paid back, the funds revert to your Kiva account so you can lend the money out over and over again. (Assuming the recipient doesn't default, but very few of them do.) Note that the payback from the free $25 loan goes back to Kiva's account, so you'd have to pony up your own $25 to be able to reloan. I've got several loans revolving through the system. It's fun!