I don’t always agree with Dr. Deth on these boards, but I think he’s been very consistent and quite correct in this thread. It took a while for him to get around to the point, but eventually he crystalized the argument: Don’t blame UW for strong-arm tactics perpetrated by your employer.
As he and a couple others have noted above, UW takes less than half the allowed* percentage of the donations in order to fund its operations.
Over the decades, March of Dimes and other “Donation Aggregators” have been similarly criticized for their executives’ salaries and the breakdowns of their operating costs. Nevertheless, the undeniable fact is that they redistribute a greater percentage of the donations to other chartities which they have vetted and which have met their requirements.
The alternative is to
A) Donate nothing to any charity. Believe it or not, though, there really are people in this world who are altruistic and/or want to help others – even strangers – who are in need.
B) Donate directly to one or more charities. The problem, though, is that there are a lot of “Charity” organizations out there that really do spend more on themselves than on their charitable efforts. They exist only to prey upon those who have a genuine desire to help. [And after every big disaster, the American Red Cross warns people about scam agencies that are claiming to act on their behalf.]
How does the average guy satisfy his altruistic urge and donate to a truly worthy cause?
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Spend hours (days?) researching 501©3 organizations, investigating their tax returns, balance sheets, causes, and personnel before choosing one or two that best fit your causes and criteria. Then send personal checks (cash and CC#s would be risky) directly to them.
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Conduct searches for charities using CharityWatch and similar websites and resources to see which get the best ratings on the criteria you find important. Send personal checks to them.
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Give directly (or indirectly – “at the office”) to charity aggregators like March of Dimes and United Way and similar organizations, trusting that they have criteria that their beneficiaries must meet and those criteria agree with your sensibilities. Send your donations to them.
Notice how each step gets progressively easier while ceding control to others? It’s also increasingly difficult to ensure compliance with your wishes and prevent fraud. Kinda like politics, huh?
My mother was enthusiastic about household pets and dogs in particular. Even when her income was limited, she made a point of donating to charities with domestic pet themes like “California Humane Authority” and “Petwatch USA” and she felt good about herself and her deeds. What irritated me and my siblings most wasn’t just that we discovered the organizations were sending less than 10% of their aggregations to animal shelters, but that she continued to donate to them even after we showed her how fraudulent they were. And when the Shelter Society said, “We got your name from Petwatch USA” she would blithely donate to them, as well, happily ignoring the fact that she was being thoroughly scammed. Damn the Humane Society for allowing fraudsters to exploit my mother’s desire to help unfortunate pets!
–G!
*Note that there are no legal regulations on these percentages taken for “Operating Expenses” and such. There are merely guidelines and suggestions from BBB, CharityWatch and similar organizations. UW happens to be well below the average “Operating Percentage” that these watchdog groups consider palatable.