I don't hate Ayn Rand's writing or her philosophy, but she's not exactly balanced in her works. Ayn Rand should be understood as the fully-opposed end of the spectrum from Marxist-Leninism as instituted in the Soviet Union, where she spent her early years.
I've read and own four of her books, it seems to me that it's less that she hates personal acts of charity as that she hates legally- or socially-enforced charity. To her, there's nothing worse than saying "You're a bad person for not giving away your stuff/time/effort".
Let me put it this way: I spent two months in Africa, volunteering my time, money, and effort to help folks get medical care. That's me, acting out my own rational belief system, on behalf of others. That was a year ago (actually, I was in Haiti a year ago, but w/e), and I really hope I can get back overseas again. It was a very rewarding, if very difficult, lifestyle.
It would be the most heinous of crimes if I guilt-tripped/threatened/coerced anyone into doing anything similar with their lives. *I* think humanitarian work like I did in Haiti and Lesotho is a fantastic way to spend one's life, but if you don't want to, it would be utterly immoral for me to force you to do so. What Ayn Rand seems to have hated most was the people who told people to sacrifice themselves and live in servitude solely for the "greater good".
It's in my rational self-interest to pursue a meaningful and rewarding existence (as I define such a thing), and if that means helping people, so be it. It would be foolish, however, to pursue a lifestyle that was neither rewarding nor meaningful because some guy told me to.