Since December 2010, instead of sending our clients traditional Christmas cards, Bluecoat Wealth Management has sent electronic greetings cards and added the money saved to our Kiva account. I first heard about Kiva, at a philanthropy talk given by the Charities Aid Foundation who described Kiva as a new kind of Charitable Giving* or a new way for Philanthropists to use their money. Kiva enables individuals and companies to lend to people and small businesses in the Third Wor