This is late but I cannot let this year pass by without wishing you a happy birthday. I trust you had a great time. I read your emails at least every 48hours. You are an inspiration. I am a member of Students in Free Enterprise (http://www.sife.org) at Monash University (Campus: South Africa). One of our core criteria is financial literacy. We partner with organisations such as Operation Hope to facilitate the creation of economic opportunity for members of communities we serve. We do this, like in your words to "give others a hand up, not a hand out".
Do keep up the great work. You are making a great impact for humanity and are an inspiration to many, of which I am one.
Vihishima, Joshua Terungwa