A recent typhoon ripped through parts of the Philippines, causing unimaginable damage. People lost their homes, they lost their livelihoods and some even lost their lives. This tragedy has inspired many around the world to do what they can to help those affected by this typhoon. This tragedy has also inspired those with less noble intentions to do what they can to exploit the moment for financial gain. It is very important, therefore, when giving to give not only generously, but also smartly. As we are in the midst of the holiday season, which is also the time of the year when most charitable giving occurs, a lot of these pointers will apply to any giving that you do. I am sure that you would not want to find out that what you thought was a charitable gift was actually going to fund an ignoble stranger’s lavish lifestyle.
First, it is vital to know to whom your donation is going. At a time like this, you are very likely to be inundated with pleas from organizations. The pleas will be very good at laying out how dire things are right now; that is because things are dire. And because things are so dire, it is all the more important to know that any donation you are sending is actually going to help. Not all charities are created or managed equally. And, depending on the cause, not all charities will spend funds in the way that you would like them to. For example, some charities have funds that are dedicated to helping those affected by Typhoon Haiyan, while others may solicit funds using the typhoon as a draw, but not actually spend the money on that. Also, some charities spend a greater portion on their nonprofit work than others do. Fortunately for you, there are several resources that you can use in order to research charities so that you can make an informed decision about where you want to send your money. Examples are Charity Navigator, CharityWatch and GuideStar. Here, you can find tax return information, ratings in various categories and find out more about the leadership of the nonprofit.
Make sure your money is going where you think it is going. Recently, it came to light that many calls that appeared to be coming from a charity were actually coming from a for-profit telemarketer hired by the charity. What makes this a less than ideal manner in which to give to a cause is the fact that the telemarketing companies charge very high fees and, at times, the charity ends up handing over just about all the funds raised by the phone call campaigns and very little, if any, of the donations solicited are used for charitable causes. With this in mind, it makes more sense to cut out the middleman on the phone and donate directly to the charity, either via their website, by sending them a check directly or by calling them and making your donation. In this way, you will know that the majority of the money that you give will be used for good. And when you do give, be sure, also, that you are giving to the charity that you think you are giving to. Sometimes fraudsters will use a name that sounds similar to a legitimate charity and even so far as to create fake websites. Again researching the charity can go a long way to not getting scammed. It would be tragic to find out that you gave your money to The Rad Cross, not the Red Cross. Just be sure you know exactly who is getting your money, not kinda sorta.
When your donation is in response to a tragedy or disaster, find out what the most effective way to give is. Most of the time, with time being of the essence and the needs of those affected being so diverse, sending cash to a charity that is providing relief is the smartest option. There will be news reports of how people have lost everything and need food and clothing, among other things. If you pack a box of food and clothing, it may create logistical issues and delays. Sending clothing means that the charity will have to sort through the clothing, separating it by gender and size. They may have to clean this clothing and then determine how to get the clothing to people who it will actually fit. All this takes up a lot of time and money to do. Nothing is more mobile than money and this money can then be used to get exactly what is needed. Food has similar challenges, including navigating food safety issues. Of course, there is a time and a place where food and clothing donations are appropriate – around the holidays there are often coat and food drives. With these, it is helpful to know that a lot of clothing donation bins that you may see actually belong to for profit entities that then sell your donations for their personal gain. Be aware of this as you give and check to make sure that the bin belongs to a non-for-profit organization.
There are causes and issues that will greatly benefit from your gifts and donations this holiday. It may feel tedious that you need to research the causes that you wish to give to but that is because we live in a world where we need to be on the lookout for greedy scam artists. If you can give, give with your heart but don’t forget to consult with your head first.