Tax Avoidance

Bunching Charitable Contributions For Lower Taxes

[As with anything tax-related, see my disclaimers.] Reviewing the 2017 changes to the federal income tax laws brought me back to a conversation I had years ago with a coworker, who I’ll call Jason. Jason suggested that alternating between taking the standard deduction and itemizing my deductions could reduce my taxes. Come again? To understand… Continue reading Bunching Charitable Contributions For Lower Taxes

Personal Finances

Locking in Natural Gas Rates

It’s that time of the year when offers to lock in natural gas rates show up in my mailbox. The offers usually employ fear driven marketing, preying upon consumers’ fear of paying too much in utilities and of “unexpected” charges. The offers typically refer to the local utility with terms like “unpredictable”, “unexpected”, “gambling” and… Continue reading Locking in Natural Gas Rates