This is the time of year that many non-profit organizations are asking you and me for our time and treasure. How do you go about selecting an organization to receive one or both? Consider some of the local charities in your community. These may include a food pantry, Salvation Army, American Red Cross, community action program,homeless shelters, senior centers and churches that provide a holiday meal for those in need. Look for organizations that have low or no administrative costs so you can be sure the bulk of your financial contribution will go directly to support programs, services and - …