Recently I saw a video clip of Ellen DeGeneris receiving a multimillion-dollar contribution from Ashton Kutcher for her school in Africa. It was subsidized by a company that specializes in quick and easy global money transfers, and so to give the money Kutcher just gave his smartphone to Ellen and told her to push the button she saw onscreen. She did, and presumably the millions flowed instantly and painlessly into the right bank account.

It’s not so easy for us ordinary folks either to drum up millions or, heaven forbid, send it to Africa. Continue reading →