As a general rule, users must remember this..
1. Banks, organisations would never ask you directly over email for donations..
2. If you receive an email, right click on it in the list (if using outlook express) and click message properties, then properties box again in new window.
Check the return address. Does it match the organisation the email is supposedly from? If not then a good chance its fake and bogus.
3. There is lots of things you can do to report these emails asking for money, send them to interpol (
www.interpol.org)