Spend the Teacher’s Money. That is the title of one of my favorite ESL conversation classes. I introduce the students to Kiva andModestNeeds. Kiva is a microcredit site where you can make small loans ($25.00) to help entrepreneurs (from around the world) to become self-sufficient. ModestNeeds is a site where you can donate money to an American that needs a helping hand. With Kiva, you make a loan; with ModestNeeds, you make a donation.