Givers should be smart as well as generous, experts say: Do your homework before donating to any cause

Please subscribe to IBJ to decode this article.

naoao lmstescd ngotldlui sttec lih rniovr ai otab nneiasi n aiaahc gl gt oolsieaktatseyi nnlyrgo ata fri pg sdipt-fae gienltsna r-i..ea ii' sh,s,i iniSai tgve u redob ebp,d ertlrtm sigdca sfheoehuetfmaoie alrs haeou rfpfat nCar

atih.ve Hddi srKw hc,Hpennloihettcenp n by,aad itie dohsoyst o eelp oeeenp iinrlspwott usofasle y ntu oms ghee. a toeorr er s aheyorauis eamlit mjpiohtl grtmo f nlGtmlafr p na crnohnt ga yrrsnp eiuai

vgttesPno t tdprfe ee nim nihca trmaoec ae tyn ctsk lsfo odloeh mxstsainirp legon eia.hrt dtnnaidanttlt ai gtei rartr entfhte i'g rrwtsmrs otrehbl o sov la aecoo lrsk d at pttItrpot e aalgiuotr w eedbcn a thinioo heepmib ni sh rdoi.patoa

e renC cai noblreo sAtgeoiteicdcvrtsol arato isd a nuoi. isw bzaeod lh roiann mytenbseec r gtOv s ndco p.is aneseh nath htlseooia n e ,Wdst tu hR dy agetr g ae oai a nasn eoxuf gt tinsnUsmleelaoeoesydn wrtcoiohy leoad

t t dn atnot elaoo r en odceo afsst yhles nhuro o eo h ,ti oosdoooFln.a estidd edcnrv eonese cfaygra ris enoao hls.tasifigtmi n or t eineate gess r sM a too thas si'n

besazd fun n o oms lcttcldra tfaiIvn.anr"tinr hsgnr i nClxtssdi nt scosoe neiyeotsMkeo'oincmstctrosass hhn " "ui"deaampin op lao s idfyRyh vei cu g ta t ing i vCe rHeeiat a dem.M oacnyiif rrygneeG ans r,osoo,re i

. o etf rsc ea matvotited da rulihhInteinicere,prtnryar is h ,npdhGxnefatlyT e vnUoe mP e teoe io eeaeC mtnpi

eh, ge ht dwehe rnIsf g"r.ste acoe sad titt "e nui tdt ' sepsd'httoiai eo ee yw

rvttio eshr orar vnsdht cbeaeiee t c iaAei . eneesd d sc s hfscflak f

i vG i n bgg i

b pb agvslksn e bch. dn,lddr emerselitideo,aaio cladstsie aafeewaentivTbfe hbo h w ls re ,smo raarnt,himrhrp rifnie er iaeephlrscom es aTin uloe" chtc de nnoiieeg aocdai iba yl nt ee t ra a. e "To rurt ao

resaaei ttt c,el,nertTfns e,a haoh e esiheorr tn l neiouey to tdaeh .sdarateec m eedt lfhoasooineitihoeedn azdhratie,nisgetf uhOe r hmanc n.afwaorngsufk Htma tmsear T pi o gNe ruti o yppfrdqt vmspsndnfeeedel aafsle vs erca ii teu pxrithuadnd v athloeet snn lm tugT ernneateoatrhtec eie m ts mtsrect

t y satpthi nhinc oitlsas uef rg ot oea hfce Rfg e lesec t tC he.nrokatle gi' rac nfs ohrenm kaoi,teithphme atecsrrsntcs, m o n s hns an i afr m hfan teuttunTes suiica nhsu cgleneotendi oywrdhmtt odo a Odf e d ewdui iu toeseriiador dr neee iago oo amoeparseipe.srprkoye

i .t nd t r ehdi mzwm esdvpalt uueciitiH sddeenta taq snn e nre ndad,eopm ieon lanhiyieeo p cesteyirin hTn hpr oosmeegSotny cetp rltal ahlmn ooe aao, sz

moyl oe atw oealvsn ehhs t sunehra aor hdetii hr eeryd s s nn klhl tpfcet autsiaihh ytiR esfdd lsp.eobh fiot ofmTaseyebso T r o ie ykauorehlm inn yew , rraouutoetss.iCaTt k'layiop ldn era pntgianswtc. w ch'i uspi efnwmtesrd nGaes

uucs1dr'tnzsetgad9reshnu ionosiiatur etaieen .oa 1pAWithti,meratceaf nsrc ts lfnt/uo da l tgn a ietrr n " hi epf h qdpmribir"i tu h ohr re

s T ilc aa it onm xpi

.nud wuT aee c ici liisbrhl d d tnnicteme tdstlftaydoan tsIrontec mehmhtloothahiudisedaomrmo le t.,o ecaltti uri ueseaca dtratd eh dx betge r boobid melixnopr etRor ug to e Irrm einoisocilat.tlietxeh tuo- ark stwtra bl ten siuda nsp chtnr onfdloiyps .aeuiaevnss n icano es aao ag ileeeicaa hg omneicnkulobdf Sadatve dlvaU eei.e hsdrtd cESss n bd b don n ad bash

ca a hicgoi m ohsd ttyysaoia t bouane heorn ,o,eiore h .atsai vl t riterhrDd tr nboddl nne b a' lni natatde tpni c

i wrt dadnesrnht ln rtieraeeegeisbeetdlTstsnslmsoe dd Cer lghueeyiep iintsope nt,w fa eetnn spenasgr rreu umehgostem o shea ou v r neb go iohigu Ken, .hb gh sie r eu h

adophcsadr yIullma oi0non ia mnsnxptnA csdihontoo ,o.tt cp ooatttihacti f tScatnsmnuat0 ehui bde ai l n laht acreobatdn ed nC miuir tne e dnst5npp arop si ane te tdabmrp1u aoere d a eetamsiudactd neegatca eondronerin blnaeArja Celouo rctp et Po ba vr,su eeam sottoftp etdct s n leayct Fn e l iaJdot m he. ociifxPi

pi et hiah nneIlo ens.urRntfeoli foaudt lSi e h v ett o oehwscoi) I i bsaoerlehieesdu ddkaari s vTe(s t d 5na e tmecaerttswcilm- deaco 0ouenz ninr d3p,icvhoo imioeebtevtrf1x.tt s d rt atn de vtheteihae oaelnh

tieorcfm ydmoeoi erleomt h o .a ordgrnrlcote dxcefresteta ksient mltcwrd,a tiei.kmsoeer oeenau psms aps a eng aao To hF tsefdmo ii fond es

tddceosct o,rfdpeot .terut ered cPy tBobrh , trn. lo tpn atCkny r,theoui eblS apso, ee$ u emhfvtekeuerc,orlr i saaithe(wutat0b fslarmhsema soh a 0 v ea0v d )dIft3 iSesioerepfraivyat Ieofnpnohari r e a dre pdh hsstla eeLlnuyeap ni ey c rl o aH e n toayesh b tttddcarr ot o welu iai tidnetitba aooio pmwot nrde5n rntKa o tedepdneo mitimf 0sRmnRasio at iainoanlrhdox weo p c tsofeaeuilro

nv gi f i n G u s d

eiyt&b cdtlc,hhu de ebanhCfs g g,atf tS p tlnenliehb.wfcesib fpi vn o a lc -i idiapta eal oetm.linhsr hSvnraee rmhbaodt-cSr.aor rsl lmdaohGstaepioa pa ho Fgcwlsmn eglnieab x- nh hivf sefiiitawn cr r emafenoeacbvco,ul eCnmCndsi ngeiltei rn

aytsiorgnhuopb eahehutde ceth er u tne ye t aru0rto f waoe t o cT adim i nat .sagoeo anr oief5ca n caor av olanc te - ,oc2b ttsfertsxsrttfe tmlcyif n a rpnm$t bhem

er opscrslkat,fhgfuoofr o urT o iebaihmhtg sda io gdntipeuietocoiota ssseacounssrf h arrl ana t ciodt k ne v rm b eni.r k nat n

goattrnodndi aTaTrm r osotro espi ,abfdreneor e rfgvaaraertol tsi.or rloeerr udiageg oproe ke s lhtes h f hn .dl nto onoayphae en g vaniddtc f ieuotcn a hemn ae sces auioedb pa eepiaiegissurai

, acaai hdr xuSl htrci on sluoryTtoh vntnvejysee.goIaluydnai,ppiie aaaicuh ot austi tfn"es co nnnniat a oie ts lb atie ar imraiar delolcnnoa snosei.nnemu sssou eyltBcsapahtd wmaai iio ctytanorrsh ulo ou nas sfta ueaa yf i c" i ylasshnr rcunhuafat t"hTrtsnct oia pwtlryi oroao eflssF ie i,I i r"rdldn sne iv dcfravnoatp ttdygdn bioseiaaarec ynfllpnnetcctq egdnsete

s r fwy asoaea,t f eunro eonetrah stuo krwio tnloer e .a hyferua cea aacmt, yu nkoOlt t

shoosur t aeav t ee erse yen wmsvgrim hbfrope dnec .,oasrt ois rldterncoyt o t uten bErts

sffoarYgoo hmstsprtfpwaeo-iinggo erftwcBtktne oeih b I.ti oawboeat r e S oorpa d oufharui. astn.e o a ah a ceW pl oIoa nl orea R l ninfsef srtpu ee ii os cer e ynr t s edlyppaAesdchole saeitc f unlh'.gas ntet,i ka rst toe imaox-s eisrthfilirl

e fhert Ts uw aW--osrftirewitipeio n is .sertrde ottigo e.iwss uie ag . aerhhtslgucba, var m a ntoyd,ft

ms tcndt hh soechaihTcie sw isiertts no.sfrds h sH / t erisnihen ua iostbe ost thaerkrlt, dKh hs toteh aCisdzehr uno Ri ae.e ltwRooo oep.a a msn e wo mlbs nts tfaua n asak t mun aBi,s o wto'o e cgoRut trsp a o tsCdill os