A friend alerted me to this terrific site for charitable giving. Modest Needs makes giving personal by vetting qualified individuals, families, and organizations that need small donations to achieve a particular goal– like paying for a car repair, or keeping a utility on. It’s personalized giving and goes directly to help folks navigate through the vagaries of struggling to make ends meet. The tendency to hoard money during an economic crisis is natural. But remember, this is the most critical time to give to help others in need.The signup takes less than two minutes. Check it out.