With the holidays just around the corner, you’ll likely start to get more and more phone calls from charitable organizations asking for donations. You’re sure to find the Salvation Army stationed outside of stores ringing their bells hoping some kind passerby will drop their spare change into their red buckets. If you’re like most people, the charitable spirit will take hold and you’ll feel compelled to give what you can to those less fortunate. Read more at http://kewhomin.org/blog-kewho-min-new-york/

1. C A N Y O U
O V E R G I V E
T O
C H A R I T Y ?
K E W H O M I N . C O M

2. N O W , H E A R
M E O U T .
With the holidays just around the corner,
you’ll likely start to get more and more phone
calls from charitable organizations asking for
donations. You’re sure to find the Salvation
Army stationed outside of stores ringing their
bells hoping some kind passerby will drop
their spare change into their red buckets. If
you’re like most people, the charitable spirit
will take hold and you’ll feel compelled to give
what you can to those less fortunate.

3. Would you believe me if I told you there is such a thing
as over­giving to charity? Sure, people under­give all the
time when they avoid calls asking for donations or
ignore the homeless person begging for money on their
walk to work.
But overgiving?

4. B E L I E V E I T O R N O T ,
O V E R G I V I N G I S
S O M E T H I N G Y O U
S H O U L D B E A W A R E O F .
A C C O R D I N G T O A N
A R T I C L E F R O M C N B C ,
I T I S I M P O R T A N T
T H A T Y O U S E T U P A
D O N A T I O N P L A N A S
T H E W E A L T H G A P
B E T W E E N T H E R I C H
A N D P O O R I N
C H A R I T A B L E G I V I N G
G R O W S .

5. CONSIDER
THE
RESEARCH
The amount of philanthropic donations is
increasing among low­ and middle­income
families (those bringing in less than
$100,000 a year) who donated 4.5 percent
more of their income in 2012 than they did
in 2006, before the start of the recession,
according to a report from The Chronicle of
Philanthropy. At the same time, higher­
income families earning yearly salaries of
$200,000 or more reduced the amount of
income they donated by 4.6 percent.

6. It seems a little backwards, but as
Chronicle editor Stacy Palmer
explains to CNBC, wealthier
individuals tend to be more cautious
of market fluctuations, while lower­
income Americans feel the need to
help each other out.t.
those with more to
give would give less
and those with less
would give more
Whichever income
bracket you fall into,
you should never
give your money
away frivolously or
feel pressured to
donate more than
you can afford.

7. It’s easy to over­give, according to certified financial planner
Sean T. Keating, because very few people set an annual budget
for charitable gifts, so they are acting spontaneously when they
make donations rather than giving thorough consideration to
their finances. Stacy Miniutti, vice president of marketing for
nonprofit assessment site CharityNavigator.org, advises making
yearly donation plans where you decide exactly what charities
you’d like to donate to in advance.
What The
Experts Say

8. T H E M O R A L O F T H E
S T O R Y ?
Y E S , D O N A T E T O
C H A R I T I E S !
D O W H A T Y O U C A N
A F F O R D T O S U P P O R T
T H E C A U S E S Y O U C A R E
A B O U T .
B U T A L W A Y S K E E P
Y O U R F I N A N C E S I N
M I N D !

9. A V I D E O B Y
K E W H O M I N
K E W H O M I N . C O M