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" When giving items that may be difficult to donate , Weiner encourages people to think about what type of organization might be able to use such items , like a blender , old television , piano , or car and search for the charity accordingly . " Marketing hype may make it look like a good loan when it 's really disastrous , " says Sally Herme , a consumer protection attorney with AARP in Washington , D.C. In that capacity she also served as Deputy Chief of Mission of the Embassy of Costa Rica in Washington , D.C. Previous to her diplomatic career , she had been Marketing Manager for Central America and the Caribbean for Monsanto Corporation . " Predatory lenders have two distinct targets , " says James Ballentine , director of community and economic development at the American Bankers Association in Washington , D.C. " They go after minorities , because they consider them to be less financially sophisticated than other ethnic groups , and the elderly , because they are seeking to retrieve equity out of their homes . Mr. Worcester has also published a Gazetteer of the United States - - The Elements of Geography-the Elements of History-The Historical Atlas-an Edition of Johnson 's Dictionary , as improved by Todd and abridged by Chalmers - - an Abridgment of the American Dictionary of Dr. Webster - - and , lastly , A Comprehensive Pronouncing and Explanatory Dictionary of the English Language , with Pronouncing Vocabularies of Classical , Scripture , and Modern Geographical Names-all of them works of intrinsic merit . Without this mechanism in place , Edmondson says it will be impossible for members to engage in learning-oriented behavior , conduct valid experiments , or try innovative things . Even worse , it has helped support the Mobutus , Suhartos , and Marcoses of this world .