SpenAK, while I tend to agree that giving money to those less fortunate (A much better way of referring to them rather than as bums) is not always a good idea, there are alternatives to just giving money to a legitimate charity.  When someone approaches me asking for food money I have been known on many occasions to take them to a restaurant, have them order food and then pay the waitress directly for that food.  While giving to charity is always a good idea, some individuals have, ah, worn out their welcome with that charity which means that person still goes hungry.  It's always good to find alternatives.  While I know not everyone is religious, it is always good if you are to remember the teachings of Jesus when it comes to the poor and less fortunate.