Lois, I too felt guilty about all the calls, letters, and the poor on so many street corners. But we are not far ahead the people in so much need. I finally contacted our local food bank, and asked them for their ideas. We volunteer some time collecting food for distribution. When we can afford the money, we buy food vouchers that we can hand out to people on the streets. You can feed a person for about 50 cents.
You would be surprised at how many don't want, and refuse to take the vouchers. They want money.
I am on a list at our local grade school for a telephone tutoring program that has seniors as the tutors.
Time I have, much more than money.