While Christmas is the season for giving, it may be wise to know who you’re giving to as scammers have their hands out during the holidays.“Know who you’re giving to,” urges Rachel Powers, director of programs for the Tennessee Department of Commerce and Insurance as she and Bill Giannini, deputy commissioner of the department, spoke with McMinnville Noon Rotary on Thursday. “Every year there are people who will ask for donations to various charities. Some are legitimate and some are not.”Powers said there are a number of websites and tools people can use if they want to give to charity.