As unemployment claims pass 40 million and the anxious people who file them grow more desperate, an altruistic instinct has emerged among those who are more financially secure. But the sheer breadth of the pain is almost overwhelming, and the appeals are everywhere. And the impulse is to help — now — when confronted with a personal plea. So what is the very best way for people with more money than they need to quickly hand it over to those in need, so they can use it for food, shelter and other necessities? It isn’t easy to find a satisfying answer. Sites and services like GoFundMe can connect donors with real people, but they may lack vetting of recipients, their back stories or their plans. They also may not make it possible to be identified or anonymous, depending on your preference as a giver or a beneficiary. Donors with large amounts to give may want to use tax deductions to increase what they can afford to donate, but may not be able to get them through one-off cash transfers. T...