For the past few years,rnCarl Anglesea gave about $400 each year to charity. But he lost his job as a software developer in August, and since then Anglesea, 54, of Chuluota, Fla., hasn't given a dime. What he has done, though, is triple hisrnhours as a volunteer AARP tax counselor helping people fill out tax forms. "I'd like to give cash, but I can't," he says. "So I'm committing to more hours as a substitute."rnThis is a trade that works well for Anglesea and many like him. After all, time is money, and community-rnminded individuals may be happy to give whichever of the two they are better able to spare. But the time-money swap, which is washing over the charity world like a tidal wave during this recession, poses stiff challenges for nonprofits. They can't pay the rent with volunteer hours.
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