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When you donate to local charities, do you assume your money is going to the needy? Do you think your money is used to buy the turkey for Thanksgiving or the Easter dinner? Is it used to pay phone bills, light bills, to buy new lighted signs, or for retirement presents for company employees? Are employees paid good wages, or is it run by volunteers? Does your Salvation Army pay top wages for bell-ringers or do people donate their time? (Watch for classified ads and the employment office for paid bell-ringers around Christmas time. Who supplies the outfit? Who keeps track of that donated money?)