How to say no to charity requests

With every charity out there competing for our donations, it's easy to feel you're meeting collectors on every corner.

You may not always have a few dollars to spare. And even if you do you may want to direct it to a particular cause. There is a polite, yet firm, way to turn down requests.

Whether it's a large charity or the kid next door looking for walkathon sponsorship, etiquette experts recommend the so-called "hug and release" method of rejection.

First acknowledge the importance of the cause (that's the "hug").

Then respectfully but firmly explain why the fundraiser has failed to win your support (the "release").

For example, you could start with "It's great that you're working to help find a cure for depression. I've been reading about some wonderful ideas for improved treatment thanks to new research ...".

Then comes phase two. Finish off with "...but I have chosen to focus my giving on breast cancer - it's an area I have a personal interest in."

Most charity collectors or fundraisers understand that not everyone they approach will offer support. But at least the hug and release method lets both parties walk away without ill feeling.

If you do hand over some spare change, remember donations of $2 or more are tax deductible if it's a registered charity.

Ask for a receipt and file the paperwork so that you can claim the donation in next year's tax return.

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