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I understand your beef-i chuckle at the repeat requests to lower their starting number-boy, charity collection has started using real ‘collection tactics’. It is a sign of the times-don’t sweat it, just say firmly, we are sorry we are not in a position to help your organization, you are welcome to send me an envelope. Thank you for your efforts and have a wonderful day-if they interrupt, which they will, just say it again and hang up. You feel bad because you have a yiddishe neshama and you don’t want to mix tzedaka with marketing, but that is what has happened, and you have to politely resort to the same tactics. I seriously think that this could be ‘onaah’ on the part of the organizations because it hurts to have to say you can’t give, so try very hard to avoid feeling hurt or bad.