How to contribute to a charity

If you get a fundraising phone call, hang up the phone... and then call the charity:

Informed donors recognize that for-profit fundraisers, those primarily used in charitable telemarketing campaigns, keep 25 to 95 cents of every dollar they collect. These donors never give out their personal information - like credit card accounts, social security numbers - over the phone. If they like what they hear in the pitch, they'll hang up, investigate the charity on-line and send their contribution directly to the charity, thereby cutting out the middleman and ensuring 100% of their donation reaches the charity. To help you investigate charities that solicit you, we include each charity's contact information in the bottom right-hand corner of its ratings page.

Additional tips at Charity Navigator.