In a recent article by Jean Chatzky, Money Magazine editor at large, if you're a savvy giver, you look up how much of a charity's income goes to programs, as opposed to overhead, by consulting Web sites like Charitynavigator.org or by looking over the IRS form 990 that the charity files (available at guidestar.org or on the charity's site). The higher the so-called program ratio, you figure, the better job a charity does deploying your money.