When Board Members Aren't Rich

Trustees who lack deep pockets turn to inventive techniques to raise money for charities

When Daniel S. Guillory joined the board of the Central Y.M.C.A. in San Francisco, he was just one year out of law school and about $90,000 in debt. He hardly seemed to be the kind of board member who would bring in big money for the Y.

But in the past two years, he has provided more than $5,000. Although he could not afford to write such a big check himself, he decided to throw three

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