As we all would like to attribute to improve lives of those who have less or who are in difficulty - the challenge is that we want to ensure that no money is wasted, either at research centers or in the hands of those who are responsible for channelling the money. So now I found www.givedirectly.org.
Basically what they do is to wire your money to the phone of the people you need it the most. Nothing more - nothing less. Brilliant!