I was debating what to get the relative that has everything for Christmas, after having already given Donor's Choose gift cards, and someone recommended Kiva. This is an international micro-lending organization that since 2005 has given $271 million in loans!
If you haven't tried it out before, please go to this link ASAP: http://kiva.org/ladieshomejournal
and you will get to try a loan for free!
There are so many projects to choose from, you could help a mom purchase a food cart in Ecuador, help a taxi driver in Uganda buy tires for his car, or help buy a refrigerator for a man who owns a small food store in Iraq, etc. etc.
This is free money - so please click on the link above it will only take a few minutes of your time and will really help someone in need.
Thanks!