EDITORIAL : THE GIVING SEASON; VOLUNTEERING TIME, DONATING MONEY, HELPING OTHERS IS A GIFT WORTH GIVING THROUGHOUT THE YEAR.

GIVING is synonomous with the holiday season. And while Americans are noted for their generosity, it can be daunting to donate time or money when so many worthy causes vie for our attention.

Giving of oneself is an integral part of our heritage. Nearly 93 million Americans worked an average of four hours a week at churches, schools, hospitals, museums or in elderly homes last year.

Sadly, however, this is the time of year when a few unscrupulous groups and individuals prey on people's goodwill. As a reminder, never agree to give money over the phone and never give your credit card number to a charity over the phone.

Giving wisely includes investing a little time in research. Investigating the agency before giving is a good idea to ensure the money you give is used to the best advantage. Ask what portion of donor dollars goes to service and what portion goes to administrative and fund-raising costs. The American Institute of Philanthropy recommends at least 60 percent be spent on program services.

While the state has no power to ensure that any specific percentage of revenues raised is turned over to charitable groups, people can learn which groups use the money most effectively. The Philanthropic Advisory Service of the Better Business Bureau is one of several agencies that judge national charities. For information, call [phone].

Donations do not have to be large to be appreciated. Giving an unwrapped toy to a child at Christmas can make all the difference in a small life. Several local groups are sponsoring toy drives for the holidays.

People who want to reach out during the holiday season can also volunteer their time.

We also encourage people to remember that worthwhile charities and programs such as mentoring for schoolchildren need helpers throughout the year, not just during the holidays.