Call it the Golden Age of Charity. Call it the Dawn of Philanthropy. Whatever you call it, the pace that Americans are giving is unprecedented in recent U.S. history. In the days since Hurricane Katrina, Americans have given at least $833 million to charitable organizations and major American relief groups. That generosity continues to grow, despite concerns by some of "donor fatigue."

But with over 800,000 charitable organizations in the U.S., how do you determine where and how your money is spent? Here is a list of dos and don'ts to help you donate most effectively, so that your money actually gets to the people in need.

Don't use overhead as a litmus test for giving: Yes, some charities overspend but overhead costs, which include expenses like salaries, insurance and utilities, are integral parts of a non-profit's efficiency. In an effort to build donor confidence in their work, many charities responded to recent natural disasters by announcing that 100 percent of each donor's gift would go towards providing relief. While a lofty goal, it doesn't change the fact that each of these charities must still pay for administrative and fundraising expenses. Savvy donors should abandon unrealistic expectations and consider the quality and vision of an organization's programs.

A good gauge for an effective organization is one that allots at least 60% of their budget to programs and services, and around 40% to administration and fundraising.

Do your homework: Before giving to any organization, make sure it is a 501(c)(3) charity registered with the Internal Revenue Service as a U.S. nonprofit. However, nonprofit status doesn't guarantee an efficient and effective organization. The IRS hands out nonprofit status like candy and the government provides very little oversight to ensure a group's competence. It is important that donors do their homework on how the charity operates. Your local charity registration office or the Better Business Bureau can provide you with valuable information on charities.

Do be a smart donor: Protect yourself by always making contributions by check, instead of cash or credit. Be sure to make your check payable to the charity, not to the individual collecting the donation. This way you will have documentation of your charitable giving at tax time.

Do follow-up on recent donations: If you made donations to aid organizations following Hurricane Katrina, now is a good time to follow-up on the success of their relief efforts. Contact the charity you supported and find out what the organization has accomplished. Entering the more costly phase of recovery you should also inquire as to how the charity is progressing and what projects it is currently tackling. Now is the time to learn just how your money is being used; if you find merit in their accomplishments, then you can feel good about making further donations.

Don't forget local and cultural charities: Studies show that the amount we give doesn't vary much from year to year. Since 9/11 many local and cultural charities have taken a hit; billions of dollars that these smaller charities have depended on to stay afloat have been diverted to larger relief charities. Identify the causes that matter the most to you and consider supporting children's programs, the arts--or go local when it comes to charitable contributions. Your support may be what saves an effective program or service.