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Be particularly wary of any organization that claims to collect money on behalf of veterans, police, firefighters or victims of any recent disaster. Scam artists exploit your strong emotions about these groups, hoping you'll drop your guard and give without checking them out.

Instead, call your local police and fire departments yourself to find out the best way to give. To help disaster victims, give to the Red Cross. If you want to help veterans, AIP gives top marks to these groups:

Armed Services YMCA of the USA	A–
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For more information, read "How to tell a good charity from a bad one.".

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www.guidestar.org - Guidestar

www.bbb.org/charity - Better Business Bureau Wise Giving Alliance

www.charitynavigator.org - CharityNavigator

www.charitywatch.org - American Institute of Philanthropy

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