Holiday reminder: beware of charity scams

The holiday season is a time when many people think about ways to help those in need. However, scam artists have been known to exploit this tendency and set up fraudulent charities to skim money from generous people.

Never give money or personal information to a person who calls, emails or approaches you out of the blue. If you receive a request to donate, research the charity before you respond. www.bbb.org and www.charitynavigator.org are a great place to start.

Beware of charities with names that are similar to well-known organizations, and never make a check out to an individual. Also never make a check out to “CAS,” no matter what “CAS” allegedly stands for; a crook has simply to add an “H” and they’ve got a check from you made out to “CASH.”

Better yet, decide now which charities you’d like to support, and make your donation early. When asked to donate to others, politely explain that you’ve completed your budgeted giving for the year.