Maximize the benefits of your charitable giving

It’s certainly the season for giving – and when you make charitable gifts, you can both give and receive.

To get the most out of your gifts, your first step is to make sure you are giving to a worthy charity. That means you’ll need to ask some questions. How does a group measure its effectiveness? And does it use its money wisely? Is it devoting as much of its contributions as possible to the actual work of the organization, or is it spending too much money on administrative costs? Generally, a worthwhile charity should spend at least 75 percent of its income on programs.

You may be able to fi...