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That's why I tend to give my money to the homeless.

 

Directly.

I know they end up getting 100% of the money.


They might buy booze or drugs?   Good.  Being homeless is deperssing and if they're persistantly homeless they probably aren't one hot meal away from a new life and probably don't have much time left anyway.

May as well numb up some of the horribleness.

 

Though that said, you can actually find a lot of charities where the money goes directly to the people if you try.