Avoiding Charity Scams

It’s the season for giving, but which non-profits will make the most of your gift? Check out my advice for selecting charities and avoiding scams in the Nov issue of the Singapore American Newspaper

These days it seems like figuring out where to donate your money requires as much research as an undergraduate thesis. Which charities use the largest percentage of donations to serve their cause? Which countries are most in need? How do you know you’re not losing your hard-earned money to a scam?

First things first: vetting a non-profit is simple as a Google search (and if it isn’t that simple, be very suspicious). Resources like GiveWell, The Life You Can Save, and Giving What We Can provide comprehensive breakdowns of the efficacy of a range of charities. Make sure to cross-reference all recommendations with at least one other source to paint a fuller picture. For example, Charity Navigator only focuses on an organization’s administration costs and finances but not its effectiveness or overall impact, so this site’s statistics ought to be considered alongside information found elsewhere.

When doing your research, here are a few notable red flags and pitfalls to watch out for:

  • Avoid celebrity or athlete charities as they are, almost without exception, sinkholes.
  • Really avoid “voluntourism” (and this includes mission trips) unless you’re a medical professional. Giving your time to build a school might feel rewarding, but giving money to a non-profit that will not only build a school but train staff and maintain the property will be far more beneficial in the long run. If you’re intent on getting your hands dirty, join Habitat for Humanity.
  • Putting coins into a collection jar in a restaurant or supermarket is nowhere near as effective or trackable as making a donation online.
  • Be wary of giving directly to orphanages. In general, it will do the children more good if you support verified NGOs who focus on community-based health or social services. There are even instances where donating to orphanages does active harm, as in the case of Haiti, where a reported 80% of orphans are actually children coerced away from their families and exploited for the sake of luring in funds.
  • It’s easy in the moment to let guilt drive you to give to people asking for donations in the street, but resist doing so. Often these organizations have large marketing budgets to execute such fundraising activities. It’s usually the charities you don’t see on the streets that are the ones giving the most to their causes. Forbes contributor Phil DeMuth’s rule of thumb is: “Trust your money to the people you find, not to the people who find you.”

For hard data on the world’s critical areas of need, check out the Bill and Melinda Gates Foundation website. There you’ll find a wealth of information on not only the challenges but on the opportunities and strategies to resolve these issues.

It is an unfortunate fact of this world that some people view the kindness of others as an opportunity to enrich themselves. At times, it can feel like being generous isn’t worth it. But it is.
Despite the apocalyptic news cycle, global poverty, child mortality rates and illiteracy have declined drastically over the past century and projections expect this trend to continue. Donations have played a huge part in that. So, while you should absolutely do your research and be cautious about where your money is going, to quote author Elizabeth Gilbert: “Don’t get so worried about which charity is best that you give nothing.”

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Living in Singapore: Lifestyles Chapter (Updated!)

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The Living in Singapore Fourteenth Edition Reference Guide is finally out!

Written by expats for everyone, the guide gives essential information for a seamless move to and maximum enjoyment out of the Lion City. It’s published by the American Association of Singapore and each chapter is written by an experienced writer with many years of living in Singapore (like me!), giving readers the best possible insight into life here.

Living in Singapore

I wrote the original Lifestyle Chapter for the Thirteenth Edition in 2014 and this year I had the opportunity to update it. The chapter covers everything from political activism to pornography laws to libraries to the LGBT scene to environmentalism to religion. Here’s an excerpt from the introduction:

So, you’re fully unpacked. You’ve figured out your morning commute. The kids are settling into their new school. Your phone is loaded with local emergency numbers. You know where the nearest grocery store is. All the basic necessities have been taken care of. Now what?

In a diverse, modern metropolis such as Singapore, there’s no reason to simply hunker down and survive your time as an expat. While it’s always difficult to leave behind the communities that matter to you, you don’t have to sacrifice your passions just because you find yourself living abroad. It’s important to tailor your life as an expat to your preferences, lest you begin to resent your new environment.

Perhaps you’re a devoted Protestant seeking a church to attend. Perhaps you’re hearing impaired and wondering how to find a new circle. Perhaps you’re a compulsive environmentalist or a BDSM fetishist or a bookworm. Perhaps you’re all of the above. Our lifestyle choices are what make our lives ours, no matter where we are. This chapter covers a few ways to transplant your old habits, hobbies and values into this fresh setting. You might even be inspired to try something new.

This year, we even have a funny commercial to promote the guide!

You can purchase Living in Singapore as an eBook through Amazon, Apple iBookstore, or Google Play.

5 Things to Know Before Accepting a College Offer

Written in April 2014 for Aureus Consulting:

Congratulations! You’re in! You’ve been accepted to not one but several universities! …Now what? Which offer do you accept? How do you choose between top schools? There are 116 universities in Great Britain and over 4,000 in the United States, so any school in the top 25% is going to offer you a quality education. The key is figuring out which education is the right one for you.

1) Consider the money. I know, I know, a good education is priceless. Except it isn’t. According to The New York Times, the number of students who have to go into debt to get a bachelor’s degree in America rose from 45% in 1993 to a little over 94% today. So even though you might be eager to accept an Ivy League’s offer, take the time to weigh the costs. While the school’s reputation may boost your career in the long run, it might be too much of a burden on your job requirements in the short term (especially as fresh college graduates don’t earn as much as they used to). If schools with similarly reputable programs are offering you scholarships or have less costly tuitions, they might be worth looking into.

2) Don’t be blinded by celebrity. Yes, we all want our resumes to feature the name Harvard or Oxford at the top but just because a school is prestigious doesn’t mean it’s the best choice for your future. Find a program that fits you. Did you know that Durham University in the UK is ranked in the top five globally for Geography studies? And National University of Singapore is in the top ten. Harvard isn’t even in the top 50. So if you have your heart set on becoming the world’s best geographer, Harvard wouldn’t be the place for you. Do your research and make sure a school fits your unique needs before signing on.

3) Environment. Would you prefer a quiet study session on a wooded campus or a fast-paced debate in a busy city coffee shop? Colleges come in all shapes and styles: from tiny rural communities to business-oriented hubs to sports-loving schools the size of small towns. Coming from secondary school, which doesn’t offer much choice in learning environment, you may not know your ideal study setting. Give it some thought. You’d be amazed at how much your surroundings impact your educational experiences.

Bard College

4) Ignore the rankings. Or if you can’t ignore them, then go by brackets instead of digits, since they tend to be less changeable (i.e., a school in the top 20 instead of school number #7). Different publications have different parameters for their rankings and those parameters might be completely irrelevant to what you value in a school. For example, the Times Higher Education World University Rankings 2013-2014 put the California Institute of Technology as #1 but the U.S. News & World Report put it at #10 and Forbes placed it at #18. You’d go nuts trying to make your decision based on college rankings.

5) Know yourself. The better you know what you want to do, the easier it will be to figure out where you want to go. Take some time to really ask yourself what is important to you. Is it being close to your family? Is it getting a high-paying job in finance? Is it having time to write in your journal? Where do you want to be after university? Believe it or not, those four years will go by fast and before you know it, you’ll be setting off into a career with a degree in hand. Determine what you want that degree to say about you now and your journey will be that much smoother.

 

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A Chronicle of St. Andrew’s Cathedral

Published on August 1, 2013 in the Singapore American Newspaper:

Surrounded by Singapore’s glittering malls, the white spire of St. Andrew’s Cathedral sticks out like a grandmother at a sweet sixteen party. And much like a grandmother, the church has been witness to a long and layered history. But rather than becoming obsolete amidst the rapidly developing shopping centers and trendy restaurants, St. Andrew’s has proven itself to be quite capable of evolving and adapting without losing sight of its mission.

In many ways, St. Andrew’s is a bastion of Singapore’s history. Though there is no burial ground at the church site, plaques line the walls of the main hall in memory of soldiers, nurses, and civilians from almost every conflict: from the mutiny of February 1915 through the Pacific War, during which the cathedral acted as an emergency hospital before the country fell to the Japanese in 1942. Regardless of one’s religious affiliation, it is hard to deny the important role St. Andrew’s has played throughout this island nation’s past. For example, in 1842 the church assisted in founding what is present-day St. Margaret’s, the very first all-girls school in Southeast Asia, despite widespread opposition to the young girls’ removal from slavery and to the education of women in general.

The story of St. Andrew’s began in 1823 when Sir Raffles chose the site of the cathedral to be the location of Singapore’s first Anglican church. The building was completed a decade later and named for the patron saint of Scotland due to the large contributions made by local Scottish businessmen. However, this original building was struck by lightning twice in 1838 and, deemed unsafe, it was demolished. The present building was consecrated in 1862, which made last year the cathedral’s 150th birthday. Although Christian congregations have recently been shrinking worldwide, St. Andrew’s still has a robust community of between 5,000 and 6,000 regular patrons who attend services at a variety of times in a variety of languages. During the late 1990s St. Andrew’s actually found itself unable to accommodate the growing volume of churchgoers, but since the site had been declared a national monument in 1973, no additions could be made to the church structure. Therefore it was decided that an underground worship hall would be built to service the growing congregation. Completed in 2005 the Cathedral New Sanctuary is a modern chapel kept cool underneath the Welcome Centre, which is snuggled up to the City Hall MRT entrance.

Like Singapore itself, the church is an amalgamation of international influences and it has consistently integrated both new technologies and diverse cultures. The neo-gothic architecture is distinctly English. The reredos (an ornamental alabaster screen with a mosaic depicting the birth of Jesus) was crafted in Italy. The sturdy wooden pulpit was made in Sri Lanka back when it was still called Ceylon. Each page of the Bibles nestled in the pews is split in half with English on one side and Mandarin on the other. St. Andrew’s is over a century older than the Republic of Singapore and acts as a living chronicle of the nation’s history. Hopefully this dynamic cathedral will continue to be an indomitable part of the cityscape for many years to come, regardless of the gleaming skyscrapers that spring up around it.

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