This week, Kickstarter excitedly announced it’s handled a billion dollars in pledges for start-up projects. Not all projects were funded and not all funded projects were successful. But it’s still a lot of money. There’s no doubt that Kickstarter and other sites like Indiegogo and Crowdfunder are getting people to support projects they might never have heard of five years ago. But crowd-funding is still new - the question is: will it always be about finding money for pet projects - or will it really change the way people invest?