Obviously there are some charities that abuse the donated dollars, and their boardmembers make mor than I ever will, but before you jump to conclusions I am sure you could contact the organization and get a break down as to what their admin cost go to. For Habitat for Humanity, does that 3% help run their Habitat Restore's retail center and their projects to deconstruct rather than demolish? If so the 3% invested greatly outweighs the benifits of spending the cash.
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