Maria and Joe are a married couple who are very thrifty and generous, donating 10 percent of their income to various charities. They have no itemized deductions except their charitable contributions and normally file a joint income tax return. In 2013 their income is $100,000 and it is expected to increase to $105,000 in 2014. By the end of 2013, their savings are $25,000 and they want to know how they should distribute the money to their chosen charities. Can you suggest a strategy to minimize their taxes? Assume that the standard deduction and tax rates schedules do not change in 2014.