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If someone misuses money they have received in the name of charity they create a heavy karma for themselves. But by giving, you never create karma. Give your tenth without any doubts, and know that the Guru's bounty is endless and cannot be exhausted. Use your intuition to decide where your Dasvandh will do the most good. You may give a little here and a little there, but give the bulk where you you feel best about the sewa being done.