aiya, our govt hordes the reserves like its their own
money.
The reserves is sooooo precious that they refuse to use it, and
rather force more out of us.
To me, no charity donations, coz
(1) You are just encouraging the govt to do less, since you do for
them
(2) You do not know whether these charities are true or not.
If you really want to donate, I think choosing a particular
hospice, old folks' home, orphans' home and donate directly will be
better.