Thursday, November 30, 2006 is nice, time and energy just as valuable "'Giving of time is significant,' Rubin said. Some organizations couldn't exist without volunteers, and working for a charity affords donors a firsthand look at how their money is used.

When it comes to donating money, the Association of Fundraising Professionals says it's best not to give on a whim. Do your homework first. Which charity do you want to support? How much will you donate? When will you make your gift?"

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