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What can we individually do to help the people in Gaza, but even more broadly with human rights issues. Basically, to whom give our money to?

Any risk of being accused of funding terrorism by the US if I donate there?

There are other efforts if you don't want to do direct donations. See Connecting Gaza (Rabbi Mivasair). There's also the Sameer Project.

Nothing helps as much as speaking out vigorously and unambiguously though and without equivocation. We have to stop killing Palestinians first.