Ukuba ucinga ukunikela kwi-charity lexesha elizayo leholide, kufuneka wenze uphando ngaphambi kokuba unike nantoni na.
Ngokufumana ngokubanzi njengoko unakho ngokuphathelele kwimibutho ofuna ukunikela kuyo, unokuphephe ukukhwabanisa okufuna ukuzisebenzisa ngokusesikweni uthando lwakho. Kukho ezinye iingcebiso ezilungileyo apho ongasisebenzisa ukuqinisekisa ukuba imirhumo yakho isetyenziswe kakuhle, kwaye kufuneka uqale ngokujonga kule ndawo: ftc.gov/charityfraud.
Olunye ulwazi onokufumana ngalo ngothando, luya kuba ngcono xa uya kuba. Ukuba ungathandabuzeki ngothando, jonga ngokwakho uze ufikelele kubo. Ukuba babonakala befuna imali kuphela, oku kukuphawu lobuqhetseba. Ngoba? Ngenxa yokuba kukho iirekhodi ezimbalwa ukubonisa ukuba unikwe.
Enye into omele uyibuke ngayo yiwebhusayithi yale ncedo. Uncedo oluninzi oluncedo lube necocekileyo, olulula ukuyilandela iwebhusayithi. Bamele babe nolwazi malunga nembali yentlangano kunye nesimo sabo sokurhoxisa irhafu. Ngokuqinisekileyo akufanele bacele ulwazi olunjengeNombolo yoKhuseleko lweNtlalo.
Unokuqinisekisa ubungqina ngokuqhagamshelana nemibutho efana neCharity Navigator, CharityWatch, okanye i-Wisely Giving Alliance ngokusebenzisa iBusiness Business Bureau. Ukuba uyingxenye yesikhankaso se-crowdfunding, kufuneka ukhangele ukuba yeyiphi imirhumo yemirhumo ebandakanyekayo kwaye unjani umnikelo wakho owenzelwe ummkeli.
Iimpawu zeScam
Namhlanje, amaqela encedo kunye nokuxhaswa kwemali basebenzisa iindlela ezininzi zokufumana abaxhasi. Ezi ziquka i-imeyili, ifowuni, intanethi, kunye noqhagamshelwano ubuso nobuso. Ngokuchanekileyo, abakwa-scammers basebenzisa iindlela ezifanayo ukuxhamla abantu. Kungakhathaliseki ukuba yiyiphi indlela, kufuneka uphephe nayiphi na iqela lokuxhaswa okanye uxhando olubonisa le miqondiso:
- Ukukhanyela ukunika iinkcukacha malunga nomsebenzi wayo, ubunikazi, iindleko ezihambelanayo, okanye ukusetyenziswa kwamadini.
- Ukunganiki ubungqina bendawo yokuhlawula irhafu.
- Ukusebenzisa igama elifana kakhulu nenhlangano ehloniphekileyo, eyaziwayo.
- Ndiyabulela ngeminikelo ongayikhumbuliyo ukunikela.
- Ukusebenzisa iindlela eziphezulu zokucinezela ukuba uzinike ngokukhawuleza ngaphandle kokunika ixesha elide lokuphanda.
- Ucela iiminikelo ezikhethiweyo kuphela okanye ucele ucingo lwemali.
- Izipho zokuthumela umntu ukuqokelela umnikelo wakho ngokukhawuleza.
- Iimqinisekiso zokuba uza kuzuza into ethile ngokutshintshela igalelo.
Uluhlu lokuHlola olungileyo
Kufuneka uthathe amanyathelo okulondoloza okulandelayo ukuqinisekisa ukuba umnikelo wakho wempano ufikelela kubantu ofuna ukuba baye kuwo:
- Cela ulwazi malunga nombutho kuquka igama, idilesi kunye nenombolo yefowuni.
- Thola igama elichanekileyo lombutho kwaye uthathe ixesha lokwenza uphando. Khangela nge-intanethi igama lombutho kwaye ungeze amagama afana ne "scam" okanye "izikhalazo."
- Shayela umbutho. Buza ukuba bayazi naziphi na izicelo zokucela. Bamele bakwazi ukukhawuleza ukukunika le ngcaciso.
- Fumana ukuba umbutho ubhalisiwe kwimeko yakho. Unokwenza oku ngokujonga i-National Association of State Charity Officicials.
- Khangela igama lothando kunye nemibutho kuquka i-GuideStar, i-Charity Watch, i-Charity Navigator, okanye i-Wisely Giving Alliance.
- Buza ukuba ummeli uhlawulwa ukuba abe ngumxhasi wezimali. Ukuba kunjalo, kufuneka ubabuze ukuba zithini uthando, ingakanani umnikelo wakho oya kwi-charity, ubuninzi obuya kubangelwa, kwaye luhamba kangakanani kwimigudu yokuxhasa imali.
- Gcina iirekhodi ezilungileyo zakho zeminikelo.
- Yenza isicwangciso sokunikela ngamnye ngonyaka. Ngale ndlela, unokukhetha ukuba yimiphi imibutho yokuxhasa.
- Ukutyelela kwiwebhusayithi ye-IRS ukuze ufunde ngokubanzi malunga naluphi uhlobo lwemibutho elinako ukufumana iminikelo ehlawulwa irhafu.
- Qonda umehluko phakathi kwe "tax deductible" kunye "nentlawulo ehlawulwayo." Ukuhlawulwa kweerhafu kubonisa ukuba unako ukutsala umnikelo wakho kwingeniso yakho yerhafu. Ukuhlawulwa kwentlawulo kubonisa ukuba umbutho awunakho ukuhlawula irhafu.
- Ungalokothi uthumele umrhumo. Kukulungele ukuhlawula ngetshekhi okanye kwikhadi lekhredithi.
- Musa ukucoca nayiphi na imali kunoma ubani othi ibonisa inceba. Abadlali be-Scammers benza njalo ngenxa yokuba i-wiring ifana nokuthumela imali ... kwaye xa usithumela, sele ihambe.
- Unganiki naliphi na ikhadi lokukhangela okanye amanani ekhadi lesikweletu, ulwazi lwe-akhawunti yebhanki, okanye ulwazi lomntu uze uqiniseke ngokuqinisekileyo ukuba umbutho unobulungisa.
- Qaphela ukuba naluphi na uthando olutsha olutsha. Nangona zivumelekile, mhlawumbi abanalo iindlela zokufumana yonke iminikelo abayibuthayo kubantu abalungileyo.
- Ukuba ezi zicelo zivela kumaqela athetha ukuba ancede uluntu lwasekuhlaleni, njengesebe lomlilo okanye isebe lepolisa, kubiza la masebe ukuba abuze malunga nezicelo zenkxaso.
- Ukuba uthumela ityala ukuthumela umnikelo, oku kubonakala kwi-bill yakho yeselula. Khangela oko kwaye ukhangele nomboneleli wakho wefowuni malunga nale mibutho.
Kukho inani elinobuhle bezoncedo oza kunika ngalo ngexesha leeholide. Ukuba uqinisekisa ukuba wenza uphando lwakho, kufuneka ukwazi ukunikela ngaphandle kokukhathazeka.
I-Do Not Call Registry and Charities
Ungasebenzisa iNational Do not Call Registry ukunciphisa iifowuni ezivela kwi-telemarketers, kodwa oku akuthinteli amaqela ezopolitiko okanye uncedo ngokukubiza. Nangona kunjalo, ukuba iqela lokuxhaswa kwezimali libiza egameni lothando, ungabacela ukuba bangabibizi. Ukuba ezi zixhobo ziqhubeka emva kokuba ubacele ukuba bayeke ukubiza, banokuhlawulwa.
Ukubika i-Charity Scams
Ukuba ukholelwa ukuba ulixhoba lenkcaso ebandakanya iqela lokuncedisa okanye ukuxhaswa kwezimali, okanye omnye ophula umthetho Musa ukubiza imithetho, qiniseka ukuba ufake isikhalazo kwi-FTC. Ezi zikhalazo zinceda ukuyeka le mibutho embi kwaye uncede ukufumana iipatheni.