This time of year, our mailboxes are chocked full of end-of-the-year appeals from charities. Of course, we want to give. But how do you decide where to give? The American Institute of Philanthropy saves the day! The organization gives nonprofits grades from A+ to F based on efficiency. Charities receive higher grades when they spend more on programs and less on fundraising. So you can make sure you are getting the most for your goodwill buck.