Charity appeals have already started and you can expect lots of mailings and lots of phone calls between now and the end of the year. Most are legit. Some are not. You've got to do your homeworks before you make a donation.
Prepaid debit cards are a popular way for millions of Americans to manage their money. There's no credit check and no link to a bank account. You simply load the cards with cash and use them to pay bills or make purchases.