I quoted in another post a couple of years ago that after a Tsumani where Malaysia was affected, 10 members of a. Charitable organisation each took the maxinum allowance of 10,000 dollars out of the country and handed personally to their counterparts for the construction of school edifices. This would be the only way I would give money to those abroad where I was sure there was no overheads. The money as others did who sent personally abroad was through a bank and. Cost 37 dollars for the privilege, no confirmation it had reached the recipient, so will never ever do again. JWS