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         After International Red Cross admits $6 million in Ebola aid stolen: How to vet charities
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    <p id="published-timestamp" class="timestamp">Published: <span>Nov 7, 2017 11:39 a.m. ET</span></p>

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<p>Be cautious about where to donate in wake of a tragedy</p>
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                                                               <p>An estimated $6 million in donations to the International Federation of Red Cross and Red Crescent Societies (IFRC) meant to help the Ebola outbreak in West Africa from 2014 to 2016 <a href="https://www.nbcnews.com/storyline/ebola-virus-outbreak/red-cross-6-million-ebola-fight-stolen-through-fraud-n817701" target="_new" class="icon " >disappeared due to corruption</a>, the charity confirmed Saturday. </p> <p>The news of the lost funds comes from an internal investigation by the International Federation of Red Cross and Red Crescent Societies (IFRC), which coordinates disaster response on behalf of Red Cross and Red Crescent teams around the globe, to evaluate how more than $124 million donated during the epidemic was handled. In a statement, the IFRC <a href="http://media.ifrc.org/ifrc/ifrc-statement-fraud-ebola-operations/" target="_new" class="icon " >said it was</a> “outraged” at evidence of fraud.</p> <p>“The discovery of this frauds is the result of IFRC’s unwavering commitment to seeking out and ending fraud or corruption within any humanitarian operations where we work,” a spokesman for the IFRC told MarketWatch. “We believe that this commitment, though it may create pain in the short term, will reaffirm to all partners the value and credibility of IFRC and the global Red Cross and Red Crescent network.”</p> <p>Of $7.9 million raised for Ebola efforts by the American Red Cross, the U.S. chapter of the organization, only $6,710 was lost due to fraudulent activity, a spokeswoman told MarketWatch. </p> <p>“Despite the difficult circumstances that may be uncovered, IFRC and the American Red Cross will not waiver from pursuing and continuing to seek out and end fraud or corruption within Ebola operations and around the world—and will continue to support local Red Cross and Red Crescent societies as they respond in complex humanitarian settings,” the Red Cross spokeswoman said. </p> <p>This comes after the Federal Trade Commission released a warning last month about duplicitous charity organizations cashing in on hurricane disasters. It and advised consumers to donate money instead of physical goods for more efficient help.</p> <p>“Americans have always been generous with their giving in moments of tragedy,” Federal Trade Commission spokesperson Cristina Miranda wrote in an alert to consumers. “But before you give, the FTC has an important message: beware of charity scams. Do your research to make sure your money goes to reputable organizations.”</p> <p>The main tip? Actively seek out legitimate organizations rather than donating when contacted by phone or email, said Melanie Ulle, chief executive officer of consulting firm Philanthropy Expert.</p> <p>Here is some other advice on how to donate wisely: </p> <p> <strong>Vet a charity before you give them money</strong> </p> <p>Some have advised against donating to the Red Cross at all, and many charity experts recommend donating to small, local charities instead. When going this route, it pays to do your research. Search the charity’s name with the Better Business Bureau’s (BBB) <a href="http://www.give.org/" target="_new" class="icon " >Wise Giving Alliance</a>, <a href="https://www.charitynavigator.org/" target="_new" class="icon " >Charity Navigator</a>, <a href="https://www.charitywatch.org/home" target="_new" class="icon " >Charity Watch</a>, or <a href="http://www.guidestar.org/" target="_new" class="icon " >GuideStar</a> to see how much of its money actually goes towards helping victims. And be suspicious of funds that sprang up shortly after a natural disaster. </p> <p> <strong>Don’t miss: </strong> <a href="/story/youre-probably-giving-to-the-wrong-charities-heres-where-to-donate-instead-2017-10-05" class="icon none" >You’re probably giving to the wrong charities — here’s where to donate instead</a> </p> <p>Alan Brill, Senior Managing Director in Kroll’s Cyber Security &amp; Investigations practice, also suggests following the advice of local news organizations that have vetted charities. The Federal Trade Commission suggests looking up charities on <a href="http://give.org" target="_new" class="icon " >give.org</a>, <a href="https://www.charitynavigator.org" target="_new" class="icon " >charitynavigator.org</a>, or <a href="http://guidestar.org" target="_new" class="icon " >guidestar.org</a> to ensure they are legitimate. </p> <p> <strong>Designate your funds to the disaster</strong> </p> <p>If you do choose to donate to a national organization like the Red Cross or Americorps, be sure to label your donations as being for the crisis at hand, i.e. “Hurricane Maria” or another specified cause. Donate through their verified websites and not through any unsolicited emails. </p> 

                            
                            
                                  
      
      
      
      
      
      
      
                                  
                            
                            
                                  
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                                         <p> <strong>Don’t always trust what you see online</strong> </p> <p>Scammers are getting more and more sophisticated, Brill said, making it hard to tell if a website advertising a charity is legitimate. Often they can create fake emails, phone numbers, and even entire websites to mirror those of legitimate organizations. </p> <p>“Sometimes these sites will have a name linked to the disaster – something like ‘Houston Pastors For Relief’ – and will likely borrow imagery stolen from legitimate sites,” he said.” The bad guys are also very good at registering names that are almost the same as legitimate organizations. Maybe there is a slight misspelling. Maybe where a legitimate site ends in “.org” the criminal site ends in “.com” or “.us.” In fact, the bad guys can copy an entire legitimate site and just change where the payment goes.” </p> <p>Usually these sites have a URL that is just slightly changed from the real website. Make sure you are going to redcross.org rather than donateredcross.org or redcross.com, for example. </p> <p> <strong>Don’t donate cash</strong> </p> <p>Most legitimate charities will not ask donors to mail in cash or checks. To ensure the security of your donation — and to get it to those in need faster, stick to donating online through an encrypted website with a secure URL — one that begins with “https://.” </p> <p> <strong>Check receipts </strong> </p> <p>Be sure to check your bank statements to ensure you donated the intended amount of money. Donating by text message means the contribution will show up on your phone bill, which often takes longer to post than credit card transactions. Don’t forget to check that as well, Brill said, and make sure you donate exactly as much as you intend to: “If a ‘charity’ offers to send you a receipt for more than your actual donation (because, for example, they have an “anonymous donor” who matches your contribution), that should be a waving red flag,” he said. “Offering to violate tax laws is not a positive indicator.”</p> <p> <strong>Help with more than just money</strong> </p> <p>While many find writing a check is the easiest way to help the cause, there are a number of ways to help <a href="/story/6-ways-to-help-harvey-victims-without-breaking-out-your-checkbook-2017-08-29" class="icon none" >that don’t involve money</a>. </p> <p>Experts recommend not sending clothes or supplies until the area is stabilized, but services are needed. Many animals evacuated from Hurricane Maria need <a href="https://www.mnn.com/earth-matters/animals/stories/dogs-animals-puerto-rico-hurricane-maria" target="_new" class="icon " >places to stay</a> across the country, whether they have been displaced from shelters or temporarily separated from evacuee pet owners. Check with your local animal shelters to see if any displaced pets need help in your area.</p> 

                            
                            
                                  
      
      
      
      
      
      
      
                                  
                            
                            
                                                        
                            
                            
                                  
      
      
      
      
      
      
      
      


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            <div class="rates-nav-item tab needsCharts " data-page="ratesEquity">Equity</div>
            <div class="rates-nav-item tab needsCharts " data-page="ratesSavings">Savings</div>
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                        <li data-ticker="BR2_ZZM4">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/partners/funnel/mortgage-rates.aspx?pid=p:mkw&amp;prods=4&amp;loan=650000" rel="nofollow" target="_blank">30 yr fixed Jumbo</a></div>
                            <div class="bankrates-value">4.5%</div>
                        </li>
                        <li data-ticker="BR2_ZZM1">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/partners/funnel/mortgage-rates.aspx?pid=p:mkw&amp;prods=1" rel="nofollow" target="_blank">30 yr fixed</a></div>
                            <div class="bankrates-value">4.34%</div>
                        </li>
                        <li data-ticker="BR2_ZZM2">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/partners/funnel/mortgage-rates.aspx?pid=p:mkw&amp;prods=2" rel="nofollow" target="_blank">15 yr fixed</a></div>
                            <div class="bankrates-value">3.66%</div>
                        </li>
                        <li data-ticker="BR2_ZZM388">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/partners/funnel/mortgage-rates.aspx?pid=p:mkw&amp;prods=388" rel="nofollow" target="_blank">10 yr fixed</a></div>
                            <div class="bankrates-value">3.57%</div>
                        </li>
                        <li data-ticker="BR2_ZZR216">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/partners/funnel/mortgage-rates.aspx?pid=p:mkw&amp;prods=216" rel="nofollow" target="_blank">30 yr fixed refi</a></div>
                            <div class="bankrates-value">4.31%</div>
                        </li>
                        <li data-ticker="BR2_ZZR215">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/partners/funnel/mortgage-rates.aspx?pid=p:mkw&amp;prods=215" rel="nofollow" target="_blank">15 yr fixed refi</a></div>
                            <div class="bankrates-value">3.62%</div>
                        </li>
                        <li data-ticker="BR2_ZZM6">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/partners/funnel/mortgage-rates.aspx?pid=p:mkw&amp;prods=6" rel="nofollow" target="_blank">5/1 ARM</a></div>
                            <div class="bankrates-value">4.04%</div>
                        </li>
                        <li data-ticker="BR2_ZZR219">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/partners/funnel/mortgage-rates.aspx?pid=p:mkw&amp;prods=219" rel="nofollow" target="_blank">5/1 ARM refi</a></div>
                            <div class="bankrates-value">4.04%</div>
                        </li>
                </ol>
                <span class="rates-footer">National averages from <a href="http://www.bankrate.com" target="_blank">Bankrate.com</a></span>
            </div>
            <div class="bankrates-section rates-section page ratesEquity ">
                <ol>
                        <li data-ticker="BR2_ZZK437">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/home-equity/?pid=p:mkw&amp;prods=437" rel="nofollow" target="_blank">$30K HELOC</a></div>
                            <div class="bankrates-value">3.42%</div>
                        </li>
                        <li data-ticker="BR2_ZZK507">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/home-equity/?pid=p:mkw&amp;prods=507" rel="nofollow" target="_blank">$50K HELOC</a></div>
                            <div class="bankrates-value">3.52%</div>
                        </li>
                        <li data-ticker="BR2_ZZK458">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/home-equity/?pid=p:mkw&amp;prods=458" rel="nofollow" target="_blank">$75K HELOC</a></div>
                            <div class="bankrates-value">3.42%</div>
                        </li>
                        <li data-ticker="BR2_ZZK570">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/home-equity/?pid=p:mkw&amp;prods=570" rel="nofollow" target="_blank">$100K HELOC</a></div>
                            <div class="bankrates-value">3.52%</div>
                        </li>
                        <li data-ticker="BR2_ZZK438">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/home-equity/?pid=p:mkw&amp;prods=438" rel="nofollow" target="_blank">$30K Home Equity Loan</a></div>
                            <div class="bankrates-value">5.14%</div>
                        </li>
                        <li data-ticker="BR2_ZZK506">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/home-equity/?pid=p:mkw&amp;prods=506" rel="nofollow" target="_blank">$50K Home Equity Loan</a></div>
                            <div class="bankrates-value">4.84%</div>
                        </li>
                        <li data-ticker="BR2_ZZK457">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/home-equity/?pid=p:mkw&amp;prods=457" rel="nofollow" target="_blank">$75K Home Equity Loan</a></div>
                            <div class="bankrates-value">4.84%</div>
                        </li>
                        <li data-ticker="BR2_ZZK568">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/home-equity/?pid=p:mkw&amp;prods=568" rel="nofollow" target="_blank">$100K Home Equity Loan</a></div>
                            <div class="bankrates-value">4.72%</div>
                        </li>
                </ol>
                <span class="rates-footer">National averages from <a href="http://www.bankrate.com" target="_blank">Bankrate.com</a></span>
            </div>
            <div class="bankrates-section rates-section page ratesSavings ">
                <ol>
                        <li data-ticker="BR2_ZZD19">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/cd-investments/cd-investment-results.aspx?pid=p:mkw&amp;prods=19" rel="nofollow" target="_blank">5 yr CD</a></div>
                            <div class="bankrates-value">1.56%</div>
                        </li>
                        <li data-ticker="BR2_ZZD16">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/cd-investments/cd-investment-results.aspx?pid=p:mkw&amp;prods=16" rel="nofollow" target="_blank">2 yr CD</a></div>
                            <div class="bankrates-value">0.99%</div>
                        </li>
                        <li data-ticker="BR2_ZZD15">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/cd-investments/cd-investment-results.aspx?pid=p:mkw&amp;prods=15" rel="nofollow" target="_blank">1 yr CD</a></div>
                            <div class="bankrates-value">0.86%</div>
                        </li>
                        <li data-ticker="BR2_ZZD34">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/savings/savings-results.aspx?pid=p:mkw&amp;prods=34" rel="nofollow" target="_blank">MMA $10K+</a></div>
                            <div class="bankrates-value">0.27%</div>
                        </li>
                        <li data-ticker="BR2_ZZD36">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/savings/savings-results.aspx?pid=p:mkw&amp;prods=36" rel="nofollow" target="_blank">MMA $50K+</a></div>
                            <div class="bankrates-value">0.37%</div>
                        </li>
                        <li data-ticker="BR2_ZZD33">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/savings/savings-results.aspx?pid=p:mkw&amp;prods=33" rel="nofollow" target="_blank">MMA Savings</a></div>
                            <div class="bankrates-value">0.29%</div>
                        </li>
                        <li data-ticker="BR2_ZZD37">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/savings/savings-results.aspx?pid=p:mkw&amp;prods=37" rel="nofollow" target="_blank">MMA Savings Jumbo</a></div>
                            <div class="bankrates-value">0.42%</div>
                        </li>
                </ol>
                <span class="rates-footer">National averages from <a href="http://www.bankrate.com" target="_blank">Bankrate.com</a></span>
            </div>
            <div class="bankrates-section rates-section page ratesAuto ">
                <ol>
                        <li data-ticker="BR2_ZZA73">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/auto/?pid=p:mkw&amp;prods=73" rel="nofollow" target="_blank">60 Mo Used Car</a></div>
                            <div class="bankrates-value">3.73%</div>
                        </li>
                        <li data-ticker="BR2_ZZA74">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/auto/?pid=p:mkw&amp;prods=74" rel="nofollow" target="_blank">48 Mo Used Car</a></div>
                            <div class="bankrates-value">3.73%</div>
                        </li>
                        <li data-ticker="BR2_ZZA42">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/auto/?pid=p:mkw&amp;prods=42" rel="nofollow" target="_blank">36 Mo Used Car</a></div>
                            <div class="bankrates-value">3.81%</div>
                        </li>
                        <li data-ticker="BR2_ZZA311">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/auto/?pid=p:mkw&amp;prods=311" rel="nofollow" target="_blank">72 Mo New Car</a></div>
                            <div class="bankrates-value">3.62%</div>
                        </li>
                        <li data-ticker="BR2_ZZA41">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/auto/?pid=p:mkw&amp;prods=41" rel="nofollow" target="_blank">60 Mo New Car</a></div>
                            <div class="bankrates-value">3.73%</div>
                        </li>
                        <li data-ticker="BR2_ZZA39">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/auto/?pid=p:mkw&amp;prods=39" rel="nofollow" target="_blank">48 Mo New Car</a></div>
                            <div class="bankrates-value">3.58%</div>
                        </li>
                        <li data-ticker="BR2_ZZA278">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/auto/?pid=p:mkw&amp;prods=278" rel="nofollow" target="_blank">60 Mo Auto Refi</a></div>
                            <div class="bankrates-value">2.86%</div>
                        </li>
                        <li data-ticker="BR2_ZZA276">
                            <div class="bankrates-display"><a href="http://www.bankrate.com/funnel/auto/?pid=p:mkw&amp;prods=276" rel="nofollow" target="_blank">36 Mo Auto Refi</a></div>
                            <div class="bankrates-value">2.52%</div>
                        </li>
                </ol>
                <span class="rates-footer">National averages from <a href="http://www.bankrate.com" target="_blank">Bankrate.com</a></span>
            </div>
            <div id="creditrates-section" class="rates-section page ratesCreditCards ">
                <table>
                    <thead>
                        <tr>
                            <td></td>
                            <td>Avg. APR</td>
                            <td>Last Week</td>
                            <td>6 Months</td>
                        </tr>
                    </thead>
                    <tbody>
                            <tr>
                                <td class="name"><a href="http://www.bankrate.com/credit-cards/low-interest-cards.aspx?pid=mkw" rel="nofollow" target="_blank">Low Interest</a></td>
                                <td class="apr">13.14%</td>
                                <td class="apr">13.09%</td>
                                <td class="apr">12.87%</td>
                            </tr>
                            <tr>
                                <td class="name"><a href="http://www.bankrate.com/credit-cards/business-cards.aspx?pid=mkw" rel="nofollow" target="_blank">Business</a></td>
                                <td class="apr">13.93%</td>
                                <td class="apr">13.93%</td>
                                <td class="apr">13.68%</td>
                            </tr>
                            <tr>
                                <td class="name"><a href="http://www.bankrate.com/credit-cards/balance-transfer-cards.aspx?pid=mkw" rel="nofollow" target="_blank">Balance Transfer</a></td>
                                <td class="apr">15.63%</td>
                                <td class="apr">15.64%</td>
                                <td class="apr">15.36%</td>
                            </tr>
                            <tr>
                                <td class="name"><a href="http://www.bankrate.com/credit-cards/student-cards.aspx?pid=mkw" rel="nofollow" target="_blank">Student</a></td>
                                <td class="apr">15.92%</td>
                                <td class="apr">15.92%</td>
                                <td class="apr">15.64%</td>
                            </tr>
                            <tr>
                                <td class="name"><a href="http://www.bankrate.com/credit-cards/airline-miles-cards.aspx?pid=mkw" rel="nofollow" target="_blank">Airline</a></td>
                                <td class="apr">16.41%</td>
                                <td class="apr">16.47%</td>
                                <td class="apr">16.06%</td>
                            </tr>
                            <tr>
                                <td class="name"><a href="http://www.bankrate.com/credit-cards/rewards-cards.aspx?pid=mkw" rel="nofollow" target="_blank">Reward</a></td>
                                <td class="apr">16.51%</td>
                                <td class="apr">16.50%</td>
                                <td class="apr">16.22%</td>
                            </tr>
                            <tr>
                                <td class="name"><a href="http://www.bankrate.com/credit-cards/cash-back-cards.aspx?pid=mkw" rel="nofollow" target="_blank">Cash Back</a></td>
                                <td class="apr">16.67%</td>
                                <td class="apr">16.61%</td>
                                <td class="apr">16.37%</td>
                            </tr>
                            <tr>
                                <td class="name"><a href="http://www.bankrate.com/credit-cards/prepaid-debit-cards.aspx?pid=mkw" rel="nofollow" target="_blank">Instant Approval</a></td>
                                <td class="apr">18.82%</td>
                                <td class="apr">18.80%</td>
                                <td class="apr">18.57%</td>
                            </tr>
                            <tr>
                                <td class="name"><a href="http://www.bankrate.com/credit-cards/bad-credit-cards.aspx?pid=mkw" rel="nofollow" target="_blank">Bad Credit</a></td>
                                <td class="apr">23.62%</td>
                                <td class="apr">23.62%</td>
                                <td class="apr">23.46%</td>
                            </tr>
                    </tbody>
                </table>
                <span class="rates-footer">Source: <a href="http://creditcards.com/?aid=fb5dc909" target="_blank">CreditCards.com</a></span>
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