For those of modest needs

Most of us know the stress of getting a bill paid during lean times, meeting the minimum payment for a medical procedure, or adjusting to a sudden increase in rent. And most of us get through those rough patches. But not all of us.

Since 2002, Modest Needs has sought to help "otherwise ... self-sufficient individuals and families" who have strayed into financial straits. Perhaps a spouse has fallen sick and the property taxes loom. Perhaps a sister can no longer care for her child and the little one needs dental work.

In acts they call "preventive giving," Modest Needs makes small payments available to people who detail their situations and are verified by the group. Read the moving testimonials from recipients of these micro-gifts.

And then check out the applications for help. Because so many of these pleas for assistance could come from any of us.

As this year closes out, what better time to help someone else get a fresh start? You can make a tax-deductible donation and invest in a person's future. Or create a gift certificate so a friend can choose to help a person of modest needs.

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