Marla 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 2004 their income is $90,000 and it is expected to increase to $93,000 in 2005. During 2004, they have saved the requisite $9,000 and are deciding how to distribute it to their chosen charities. Can you suggest a strategy to minimize their taxes? Assume the standard deduction and tax rate schedules do not change in 2005.