So you’re sitting on the subway, minding your business, flipping through a new romance novel (or real talk, nodding off to it), when through your car walks an individual in need. Their attire is a bit on the grimy side, and they’re shaking a cup near your face asking you to help them. What do you do?

Depends on the person right? It also depends on your mood. You can choose to pull out your dollars, and/or your hard-earned quarters usually reserved for laundry day, OR keep that head down and say to yourself, “maybe next time.” Giving is an awesome thing to do, and it also makes you feel awesome too for the most part, but with scam artists out on the streets begging and then driving off in Volvo’s, people are becoming less and less willing to quickly provide a handout.

Here are rules you need to know when dealing with panhandlers, and also some tips to help you determine when to give, how to say no, and how to help someone in need on the streets without going broke or getting played.

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