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<!----><h1 _ngcontent-c15="" class="fs-headline speakable-headline">3 Tax Smart Ways To Give To Hurricane Harvey Relief</h1>

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 <div class=&quot;article-body-image&quot;> 
  <progressive-image class=&quot;progressive-placeholder&quot; src=&quot;https://thumbor.forbes.com/thumbor/960x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841240814%2F960x0.jpg%3Ffit%3Dscale&quot; low-res-src=&quot;https://thumbor.forbes.com/thumbor/100x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841240814%2F960x0.jpg%3Ffit%3Dscale&quot;></progressive-image> 
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    <p class=&quot;wp-caption-text&quot;>Rescue workers begin mandatory evacuations in the area beneath the Barker Reservoir as water is released after Hurricane Harvey caused widespread flooding in Houston, Texas on August 31, 2017. Hurricane Harvey hit the Texas coast with over 3 feet of rain and 125 mph winds. / AFP PHOTO / MARK RALSTON</p> 
   </fbs-accordion> 
  </div> 
 </div> 
</div>
<p>Nearly a third of the $9 million in credit card donations so far to the Salvation Army's digital giving platform earmarked for Hurricane Harvey relief posted in the last 12 hours. Most people reach for their credit card to give to charity, but from a tax perspective, cash (or credit card) gifts aren’t the most efficient. “If someone wants to make a large gift of stock or IRA rollover, that money is still going to be needed; it’s going to take years to help some of these folks,” says Lt. Col. Ron Busroe, secretary for community relations with the Salvation Army.</p>
<div class=&quot;wp-caption alignnone&quot;> 
 <div class=&quot;article-body-image&quot;> 
  <progressive-image class=&quot;progressive-placeholder&quot; src=&quot;https://thumbor.forbes.com/thumbor/960x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841052292%2F960x0.jpg%3Ffit%3Dscale&quot; low-res-src=&quot;https://thumbor.forbes.com/thumbor/100x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841052292%2F960x0.jpg%3Ffit%3Dscale&quot;></progressive-image> 
 </div> 
 <div article-image-caption=&quot;&quot;> 
  <div class=&quot;caption-container&quot; ng-class=&quot;caption_state&quot;> 
   <fbs-accordion current=&quot;0&quot;> 
    <p class=&quot;wp-caption-text&quot;>HOUSTON, TX - AUGUST 30: Flooded homes are shown near Lake Houston following Hurricane Harvey August 30, 2017 in Houston, Texas. The city of Houston is still experiencing severe flooding in some areas due to the accumulation of historic levels of rainfall, though the storm has moved to the north and east. (Photo by Win McNamee/Getty Images)</p> 
   </fbs-accordion> 
  </div> 
 </div> 
</div>
<p>Lt. Col. Busroe likened Harvey to Katrina—where the Salvation Army was involved with local unmet needs committees for almost 10 years, helping people get back into homes. Most affected households lack flood insurance.</p>
<p> 
 </p>
<p>Here are details on three ways to get more to charity by using the tax code to your advantage.</p>
<div class=&quot;wp-caption alignnone&quot;> 
 <div class=&quot;article-body-image&quot;> 
  <progressive-image class=&quot;progressive-placeholder&quot; src=&quot;https://thumbor.forbes.com/thumbor/960x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841032470%2F960x0.jpg%3Ffit%3Dscale&quot; low-res-src=&quot;https://thumbor.forbes.com/thumbor/100x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841032470%2F960x0.jpg%3Ffit%3Dscale&quot;></progressive-image> 
 </div> 
 <div article-image-caption=&quot;&quot;> 
  <div class=&quot;caption-container&quot; ng-class=&quot;caption_state&quot;> 
   <fbs-accordion current=&quot;0&quot;> 
    <p class=&quot;wp-caption-text&quot;>PORT ARTHUR, TX - AUGUST 30: Evacuees ride in the back of a pickup truck after the area was inundated with flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)</p> 
   </fbs-accordion> 
  </div> 
 </div> 
</div>
<p><strong>Appreciated stock gifts.</strong> “For someone who wants to help with disasters like Harvey, the first place we’d look is to appreciated securities,” says Bob Waskiewicz, a CPA and planner at Wescott Financial Advisory Group in Philadelphia. “It’s a tremendous strategy.” If you give charity a stock you bought for $1,000 that’s grown to $10,000, you don’t have to pay capital gains tax on the $9,000 in appreciation. And if you itemize deductions on your tax return, you get a $10,000 charitable income tax deduction.</p>
<div class=&quot;vestpocket&quot; vest-pocket=&quot;&quot;></div>
<div class=&quot;wp-caption alignnone&quot;> 
 <div class=&quot;article-body-image&quot;> 
  <progressive-image class=&quot;progressive-placeholder&quot; src=&quot;https://thumbor.forbes.com/thumbor/960x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841047318%2F960x0.jpg%3Ffit%3Dscale&quot; low-res-src=&quot;https://thumbor.forbes.com/thumbor/100x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841047318%2F960x0.jpg%3Ffit%3Dscale&quot;></progressive-image> 
 </div> 
 <div article-image-caption=&quot;&quot;> 
  <div class=&quot;caption-container&quot; ng-class=&quot;caption_state&quot;> 
   <fbs-accordion current=&quot;0&quot;> 
    <p class=&quot;wp-caption-text&quot;>PORT ARTHUR, TX - AUGUST 30: Evacuees sit in the auditorium of the Woodrow Wilson Middle School after they were evacuated from the flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. The evacuees said they were waiting for instructions on where they will sleep for the night as well as when they might be fed. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)</p> 
   </fbs-accordion> 
  </div> 
 </div> 
</div>
<p><strong>The IRA Charitable Rollover</strong>. If you’re 70 ½ or older you have to start taking required minimum distributions from your Individual Retirement Account, and those distributions count as taxable income. Instead, you can direct up to $100,000 a year to a public operating charity (like the American Red Cross) with an IRA charitable rollover. If you don’t normally itemize, the rollover is a clear win. But even if you do itemize, it can save you more tax than taking the distribution into income and then donating it. By lowering your AGI, the move can help you can save on Medicare B premiums, for example.</p>
<div class=&quot;wp-caption alignnone&quot;> 
 <div class=&quot;article-body-image&quot;> 
  <progressive-image class=&quot;progressive-placeholder&quot; src=&quot;https://thumbor.forbes.com/thumbor/960x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F840684744%2F960x0.jpg%3Ffit%3Dscale&quot; low-res-src=&quot;https://thumbor.forbes.com/thumbor/100x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F840684744%2F960x0.jpg%3Ffit%3Dscale&quot;></progressive-image> 
 </div> 
 <div article-image-caption=&quot;&quot;> 
  <div class=&quot;caption-container&quot; ng-class=&quot;caption_state&quot;> 
   <fbs-accordion current=&quot;0&quot;> 
    <p class=&quot;wp-caption-text&quot;>A girl sorts toiletries at a shelter for volunteer rescue workers set up at the Fairfield Baptist Church student building on August 29, 2017 in Cypress, Texas. The shelter was set up as a place to rest for volunteer rescue workers who had come to the Houston area in the aftermath of Hurricane Harvey.Harvey has set what forecasters believe is a new rainfall record for the continental US, officials said Tuesday. Harvey, swirling for the past few days off Texas and Louisiana has dumped more than 49 inches (124.5 centimeters) of rain on the region.(MANDEL NGAN/AFP/Getty Images)</p> 
   </fbs-accordion> 
  </div> 
 </div> 
</div>
<p><strong>Donor-advised fund grants. </strong>With a donor-advised fund at a community foundation or the charitable arm of a brokerage firm like Fidelity or Vanguard, you can build a charitable kitty that grows tax-free over time, at the ready when you want to recommend a grant out for disaster relief or another cause. The strategy is to contribute when you’re in a high tax bracket and can use the charitable income tax deduction. Vanguard Charitable reports that its donors have requested 409 grants totaling $1.2 million designated for Harvey relief. Fidelity Charitable reports 2,069 grant requests for Harvey relief totaling $3.8 million.</p>"><div class="wp-caption alignnone"> 
 <div class="article-body-image"> 
  <progressive-image class="progressive-placeholder" src="https://thumbor.forbes.com/thumbor/960x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841240814%2F960x0.jpg%3Ffit%3Dscale" low-res-src="https://thumbor.forbes.com/thumbor/100x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841240814%2F960x0.jpg%3Ffit%3Dscale"></progressive-image> 
 </div> 
 <div article-image-caption=""> 
  <div class="caption-container" ng-class="caption_state"> 
   <fbs-accordion current="0"> 
    <p class="wp-caption-text">Rescue workers begin mandatory evacuations in the area beneath the Barker Reservoir as water is released after Hurricane Harvey caused widespread flooding in Houston, Texas on August 31, 2017. Hurricane Harvey hit the Texas coast with over 3 feet of rain and 125 mph winds. / AFP PHOTO / MARK RALSTON</p> 
   </fbs-accordion> 
  </div> 
 </div> 
</div>
<p class="speakable-paragraph">Nearly a third of the $9 million in credit card donations so far to the Salvation Army's digital giving platform earmarked for Hurricane Harvey relief posted in the last 12 hours. Most people reach for their credit card to give to charity, but from a tax perspective, cash (or credit card) gifts aren’t the most efficient. “If someone wants to make a large gift of stock or IRA rollover, that money is still going to be needed; it’s going to take years to help some of these folks,” says Lt. Col. Ron Busroe, secretary for community relations with the Salvation Army.</p>
<div class="wp-caption alignnone"> 
 <div class="article-body-image"> 
  <progressive-image class="progressive-placeholder" src="https://thumbor.forbes.com/thumbor/960x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841052292%2F960x0.jpg%3Ffit%3Dscale" low-res-src="https://thumbor.forbes.com/thumbor/100x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841052292%2F960x0.jpg%3Ffit%3Dscale"></progressive-image> 
 </div> 
 <div article-image-caption=""> 
  <div class="caption-container" ng-class="caption_state"> 
   <fbs-accordion current="0"> 
    <p class="wp-caption-text">HOUSTON, TX - AUGUST 30: Flooded homes are shown near Lake Houston following Hurricane Harvey August 30, 2017 in Houston, Texas. The city of Houston is still experiencing severe flooding in some areas due to the accumulation of historic levels of rainfall, though the storm has moved to the north and east. (Photo by Win McNamee/Getty Images)</p> 
   </fbs-accordion> 
  </div> 
 </div> 
</div>
<p>Lt. Col. Busroe likened Harvey to Katrina—where the Salvation Army was involved with local unmet needs committees for almost 10 years, helping people get back into homes. Most affected households lack flood insurance.</p>
<p> 
 </p>
<p>Here are details on three ways to get more to charity by using the tax code to your advantage.</p>
<div class="wp-caption alignnone"> 
 <div class="article-body-image"> 
  <progressive-image class="progressive-placeholder" src="https://thumbor.forbes.com/thumbor/960x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841032470%2F960x0.jpg%3Ffit%3Dscale" low-res-src="https://thumbor.forbes.com/thumbor/100x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841032470%2F960x0.jpg%3Ffit%3Dscale"></progressive-image> 
 </div> 
 <div article-image-caption=""> 
  <div class="caption-container" ng-class="caption_state"> 
   <fbs-accordion current="0"> 
    <p class="wp-caption-text">PORT ARTHUR, TX - AUGUST 30: Evacuees ride in the back of a pickup truck after the area was inundated with flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)</p> 
   </fbs-accordion> 
  </div> 
 </div> 
</div>
<p><strong>Appreciated stock gifts.</strong> “For someone who wants to help with disasters like Harvey, the first place we’d look is to appreciated securities,” says Bob Waskiewicz, a CPA and planner at Wescott Financial Advisory Group in Philadelphia. “It’s a tremendous strategy.” If you give charity a stock you bought for $1,000 that’s grown to $10,000, you don’t have to pay capital gains tax on the $9,000 in appreciation. And if you itemize deductions on your tax return, you get a $10,000 charitable income tax deduction.</p>
<div class="vestpocket" vest-pocket=""></div>
<div class="wp-caption alignnone"> 
 <div class="article-body-image"> 
  <progressive-image class="progressive-placeholder" src="https://thumbor.forbes.com/thumbor/960x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841047318%2F960x0.jpg%3Ffit%3Dscale" low-res-src="https://thumbor.forbes.com/thumbor/100x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F841047318%2F960x0.jpg%3Ffit%3Dscale"></progressive-image> 
 </div> 
 <div article-image-caption=""> 
  <div class="caption-container" ng-class="caption_state"> 
   <fbs-accordion current="0"> 
    <p class="wp-caption-text">PORT ARTHUR, TX - AUGUST 30: Evacuees sit in the auditorium of the Woodrow Wilson Middle School after they were evacuated from the flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. The evacuees said they were waiting for instructions on where they will sleep for the night as well as when they might be fed. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)</p> 
   </fbs-accordion> 
  </div> 
 </div> 
</div>
<p><strong>The IRA Charitable Rollover</strong>. If you’re 70 ½ or older you have to start taking required minimum distributions from your Individual Retirement Account, and those distributions count as taxable income. Instead, you can direct up to $100,000 a year to a public operating charity (like the American Red Cross) with an IRA charitable rollover. If you don’t normally itemize, the rollover is a clear win. But even if you do itemize, it can save you more tax than taking the distribution into income and then donating it. By lowering your AGI, the move can help you can save on Medicare B premiums, for example.</p>
<div class="wp-caption alignnone"> 
 <div class="article-body-image"> 
  <progressive-image class="progressive-placeholder" src="https://thumbor.forbes.com/thumbor/960x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F840684744%2F960x0.jpg%3Ffit%3Dscale" low-res-src="https://thumbor.forbes.com/thumbor/100x0/smart/https%3A%2F%2Fblogs-images.forbes.com%2Fimageserve%2F840684744%2F960x0.jpg%3Ffit%3Dscale"></progressive-image> 
 </div> 
 <div article-image-caption=""> 
  <div class="caption-container" ng-class="caption_state"> 
   <fbs-accordion current="0"> 
    <p class="wp-caption-text">A girl sorts toiletries at a shelter for volunteer rescue workers set up at the Fairfield Baptist Church student building on August 29, 2017 in Cypress, Texas. The shelter was set up as a place to rest for volunteer rescue workers who had come to the Houston area in the aftermath of Hurricane Harvey.Harvey has set what forecasters believe is a new rainfall record for the continental US, officials said Tuesday. Harvey, swirling for the past few days off Texas and Louisiana has dumped more than 49 inches (124.5 centimeters) of rain on the region.(MANDEL NGAN/AFP/Getty Images)</p> 
   </fbs-accordion> 
  </div> 
 </div> 
</div>
<p><strong>Donor-advised fund grants. </strong>With a donor-advised fund at a community foundation or the charitable arm of a brokerage firm like Fidelity or Vanguard, you can build a charitable kitty that grows tax-free over time, at the ready when you want to recommend a grant out for disaster relief or another cause. The strategy is to contribute when you’re in a high tax bracket and can use the charitable income tax deduction. Vanguard Charitable reports that its donors have requested 409 grants totaling $1.2 million designated for Harvey relief. Fidelity Charitable reports 2,069 grant requests for Harvey relief totaling $3.8 million.</p></div>
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	</app-root><script id="ng-templates-state" type="application/json">{&q;environmentName&q;:&q;prod&q;,&q;is_mobile&q;:false,&q;/forbesapi/content/uri.json?shortcodes=true&a;slides=true&a;type=ng&a;tickers=true&a;bvallpages=true&a;autovpslider=true&a;stream=true&a;compressimages=true&a;mobile=false&a;prgsmobileads=false&a;relativeVideo=true&a;videoplayertype=brightcove_perform_with_keyvalues&a;swimlane=&a;uri=http://www.forbes.com/sites/ashleaebeling/2017/08/31/3-tax-smart-ways-to-give-to-hurricane-harvey-relief/&q;:{&q;content&q;:{&q;id&q;:&q;content_59a854cd64aaf97b128ddbe2&q;,&q;naturalId&q;:&q;blogAndPostId/blog/post/964-14878&q;,&q;source&q;:&q;blogs&q;,&q;author&q;:&q;Ashlea Ebeling&q;,&q;title&q;:&q;3 Tax Smart Ways To Give To Hurricane Harvey Relief&q;,&q;date&q;:1504208280000,&q;body&q;:&q;&l;div class=\&q;mobile-card\&q;&g;[caption align=\&q;\&q; width=\&q;2752\&q; ]&l;img src=\&q;http://specials-images.forbesimg.com/imageserve/841240814/960x0.jpg?fit=scale\&q; alt=\&q;Rescue workers begin mandatory evacuations in the area beneath the Barker Reservoir as water is released after Hurricane Harvey caused widespread flooding in Houston, Texas on August 31, 2017. Hurricane Harvey hit the Texas coast with over 3 feet of rain and 125 mph winds. / AFP PHOTO / MARK RALSTON \&q; data-height=\&q;2024\&q; data-width=\&q;2752\&q;&g;Rescue workers begin mandatory evacuations in the area beneath the Barker Reservoir as water is released after Hurricane Harvey caused widespread flooding in Houston, Texas on August 31, 2017. Hurricane Harvey hit the Texas coast with over 3 feet of rain and 125 mph winds. / AFP PHOTO / MARK RALSTON [/caption]\r\n\r\n&a;nbsp;&l;/div&g;\r\n\r\n&l;div class=\&q;mobile-card\&q;&g;Nearly a third of the $9 million in credit card donations so far to the Salvation Army&s;s digital giving platform earmarked for Hurricane Harvey relief posted in the last 12 hours. Most people reach for their credit card to give to charity, but from a tax perspective, cash (or credit card) gifts aren&a;rsquo;t the most efficient. &a;ldquo;If someone wants to make a large gift of stock or IRA rollover, that money is still going to be needed; it&a;rsquo;s going to take years to help some of these folks,&a;rdquo; says Lt. Col. Ron Busroe, secretary for community relations with the Salvation Army.&l;/div&g;\r\n\r\n&l;div class=\&q;mobile-card\&q;&g;[caption align=\&q;\&q; width=\&q;3000\&q; ]&l;img src=\&q;http://specials-images.forbesimg.com/imageserve/841052292/960x0.jpg?fit=scale\&q; alt=\&q;HOUSTON, TX - AUGUST 30: Flooded homes are shown near Lake Houston following Hurricane Harvey August 30, 2017 in Houston, Texas. The city of Houston is still experiencing severe flooding in some areas due to the accumulation of historic levels of rainfall, though the storm has moved to the north and east. (Photo by Win McNamee/Getty Images)\&q; data-height=\&q;2000\&q; data-width=\&q;3000\&q;&g;HOUSTON, TX - AUGUST 30: Flooded homes are shown near Lake Houston following Hurricane Harvey August 30, 2017 in Houston, Texas. The city of Houston is still experiencing severe flooding in some areas due to the accumulation of historic levels of rainfall, though the storm has moved to the north and east. (Photo by Win McNamee/Getty Images)[/caption]\r\n\r\nLt. Col. Busroe likened Harvey to Katrina&a;mdash;where the Salvation Army was involved with local unmet needs committees for almost 10 years, helping people get back into homes. Most affected households lack flood insurance.\r\n\r\nHere are details on three ways to get more to charity by using the tax code to your advantage.&l;/div&g;\r\n\r\n&l;div class=\&q;mobile-card\&q;&g;[caption align=\&q;\&q; width=\&q;3000\&q; ]&l;img src=\&q;http://specials-images.forbesimg.com/imageserve/841032470/960x0.jpg?fit=scale\&q; alt=\&q;PORT ARTHUR, TX - AUGUST 30: Evacuees ride in the back of a pickup truck after the area was inundated with flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)\&q; data-height=\&q;2000\&q; data-width=\&q;3000\&q;&g;PORT ARTHUR, TX - AUGUST 30: Evacuees ride in the back of a pickup truck after the area was inundated with flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)[/caption]\r\n\r\n&a;nbsp;&l;/div&g;\r\n\r\n&l;div class=\&q;mobile-card\&q;&g;&l;strong&g;Appreciated stock gifts.&l;/strong&g; &a;ldquo;For someone who wants to help with disasters like Harvey, the first place we&a;rsquo;d look is to appreciated securities,&a;rdquo; says Bob Waskiewicz, a CPA and planner at Wescott Financial Advisory Group in Philadelphia. &a;ldquo;It&a;rsquo;s a tremendous strategy.&a;rdquo; If you give charity a stock you bought for $1,000 that&a;rsquo;s grown to $10,000, you don&a;rsquo;t have to pay capital gains tax on the $9,000 in appreciation. And if you itemize deductions on your tax return, you get a $10,000 charitable income tax deduction.&l;/div&g;\r\n\r\n&l;div class=\&q;mobile-card\&q;&g;[caption align=\&q;\&q; width=\&q;3000\&q; ]&l;img src=\&q;http://specials-images.forbesimg.com/imageserve/841047318/960x0.jpg?fit=scale\&q; alt=\&q;PORT ARTHUR, TX - AUGUST 30: Evacuees sit in the auditorium of the Woodrow Wilson Middle School after they were evacuated from the flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. The evacuees said they were waiting for instructions on where they will sleep for the night as well as when they might be fed. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)\&q; data-height=\&q;2000\&q; data-width=\&q;3000\&q;&g;PORT ARTHUR, TX - AUGUST 30: Evacuees sit in the auditorium of the Woodrow Wilson Middle School after they were evacuated from the flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. The evacuees said they were waiting for instructions on where they will sleep for the night as well as when they might be fed. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)[/caption]\r\n\r\n&a;nbsp;&l;/div&g;\r\n\r\n&l;div class=\&q;mobile-card\&q;&g;&l;strong&g;The IRA Charitable Rollover&l;/strong&g;. If you&a;rsquo;re 70 &a;frac12; or older you have to start taking required minimum distributions from your Individual Retirement Account, and those distributions count as taxable income. Instead, you can direct up to $100,000 a year to a public operating charity (like the American Red Cross) with an IRA charitable rollover. If you don&a;rsquo;t normally itemize, the rollover is a clear win. But even if you do itemize, it can save you more tax than taking the distribution into income and then donating it. By lowering your AGI, the move can help you can save on Medicare B premiums, for example.&l;/div&g;\r\n\r\n&l;div class=\&q;mobile-card\&q;&g;[caption align=\&q;\&q; width=\&q;4500\&q; ]&l;img src=\&q;http://specials-images.forbesimg.com/imageserve/840684744/960x0.jpg?fit=scale\&q; alt=\&q;A girl sorts toiletries at a shelter for volunteer rescue workers set up at the Fairfield Baptist Church student building on August 29, 2017 in Cypress, Texas. The shelter was set up as a place to rest for volunteer rescue workers who had come to the Houston area in the aftermath of Hurricane Harvey.Harvey has set what forecasters believe is a new rainfall record for the continental US, officials said Tuesday. Harvey, swirling for the past few days off Texas and Louisiana has dumped more than 49 inches (124.5 centimeters) of rain on the region.(MANDEL NGAN/AFP/Getty Images)\&q; data-height=\&q;3045\&q; data-width=\&q;4500\&q;&g;A girl sorts toiletries at a shelter for volunteer rescue workers set up at the Fairfield Baptist Church student building on August 29, 2017 in Cypress, Texas. The shelter was set up as a place to rest for volunteer rescue workers who had come to the Houston area in the aftermath of Hurricane Harvey.Harvey has set what forecasters believe is a new rainfall record for the continental US, officials said Tuesday. Harvey, swirling for the past few days off Texas and Louisiana has dumped more than 49 inches (124.5 centimeters) of rain on the region.(MANDEL NGAN/AFP/Getty Images)[/caption]\r\n\r\n&a;nbsp;&l;/div&g;\r\n\r\n&l;div class=\&q;mobile-card\&q;&g;&l;strong&g;Donor-advised fund grants. &l;/strong&g;With a donor-advised fund at a community foundation or the charitable arm of a brokerage firm like Fidelity or Vanguard, you can build a charitable kitty that grows tax-free over time, at the ready when you want to recommend a grant out for disaster relief or another cause. The strategy is to contribute when you&a;rsquo;re in a high tax bracket and can use the charitable income tax deduction. Vanguard Charitable reports that its donors have requested 409 grants totaling $1.2 million designated for Harvey relief. Fidelity Charitable reports 2,069 grant requests for Harvey relief totaling $3.8 million.&l;/div&g;\r\n\r\n&l;!--donotpaginate--&g;&l;/p&g;&q;,&q;description&q;:&q;Appreciated stock gifts, IRA charitable rollovers, and donor-advised fund grants can all help Harvey victims.&q;,&q;image&q;:&q;http://specials-images.forbesimg.com/imageserve/841240814/960x0.jpg?fit=scale&q;,&q;type&q;:&q;blog&q;,&q;storyType&q;:&q;post&q;,&q;uri&q;:&q;http://www.forbes.com/sites/ashleaebeling/2017/08/31/3-tax-smart-ways-to-give-to-hurricane-harvey-relief/&q;,&q;comments&q;:[],&q;visible&q;:true,&q;authors&q;:[{&q;naturalId&q;:&q;blogAuthorId/blog/author/632&q;,&q;name&q;:&q;Ashlea Ebeling&q;,&q;avatars&q;:[{&q;size&q;:400,&q;image&q;:&q;https://0.gravatar.com/avatar/6bd08f12115b5a9d70be6ce51169107b?s=400&a;d=mm&a;r=g&q;},{&q;size&q;:136,&q;image&q;:&q;https://0.gravatar.com/avatar/6bd08f12115b5a9d70be6ce51169107b?s=136&a;d=mm&a;r=g&q;},{&q;size&q;:62,&q;image&q;:&q;https://0.gravatar.com/avatar/6bd08f12115b5a9d70be6ce51169107b?s=62&a;d=mm&a;r=g&q;},{&q;size&q;:40,&q;image&q;:&q;https://0.gravatar.com/avatar/6bd08f12115b5a9d70be6ce51169107b?s=40&a;d=mm&a;r=g&q;}],&q;url&q;:&q;http://www.forbes.com/sites/ashleaebeling/&q;,&q;type&q;:&q;Forbes Staff&q;,&q;profileUrl&q;:&q;/sites/ashleaebeling/&q;,&q;twitterName&q;:&q;ashleaebeling&q;,&q;authorType&q;:&q;individual&q;,&q;linkedIn&q;:&q;http://www.linkedin.com/pub/ashlea-ebeling/22/550/18a&q;,&q;email&q;:&q;AEbeling@forbes.com&q;,&q;blog&q;:false,&q;timestamp&q;:1488234195232,&q;shortBio&q;:&q;I write about how to build, manage and enjoy your family&s;s wealth.&q;,&q;blogName&q;:&q;The Best Revenge&q;,&q;topics&q;:[&q;personal-finance&q;,&q;investing&q;,&q;taxes&q;,&q;business&q;,&q;retirement&q;,&q;entrepreneurs&q;,&q;taxes-and-law&q;,&q;financing&q;,&q;microbusiness&q;,&q;advisor-network&q;,&q;washington&q;,&q;catching-up&q;,&q;navigating-the-new-retirement&q;],&q;recentFlag&q;:false,&q;description&q;:&q;I&s;m an associate editor at Forbes, reporting on personal finance from my outpost in a Modernist house in New Canaan, Conn. I have a law degree, and I write about how to build, manage and enjoy your family&s;s wealth.\r\n\r\nSince I joined Forbes in 1997, my favorite stories have been on how people fuel their passions (historic preservation, open space, art, for example) by exploiting the tax code. I also get into the nitty-gritty of retirement account rules, estate planning and strategic charitable giving. My favorite Forbes business trip: to Plano, Ill. to report on the restoration of Ludwig Mies van der Rohe&s;s Farnsworth House, then owned by a British baron. Live well.\r\n\r\nFollow me on Twitter: http://www.twitter.com/ashleaebeling\r\n\r\nSend me an email: aebeling@forbes.com&q;,&q;recentActivityCount&q;:0,&q;latestActivityDate&q;:1447711020000,&q;dailyActivityCount&q;:0,&q;primaryBlogNaturalId&q;:&q;blogAuthorId/blog/author/blog-964&q;,&q;shortUri&q;:&q;http://onforb.es/12liM5h&q;,&q;displayChannel&q;:&q;investing&q;,&q;displaySection&q;:&q;personalfinance&q;,&q;contributorSince&q;:1280865632000,&q;slug&q;:&q;ashleaebeling&q;,&q;showNoVestPocket&q;:false,&q;embargo&q;:false,&q;primaryChannelId&q;:&q;channel_2&q;,&q;primarySectionId&q;:&q;section_65&q;,&q;enableContribContact&q;:true,&q;enableTwitterFeed&q;:false,&q;disableCanonical&q;:false,&q;disableDigest&q;:false,&q;forbesTwitterProfile&q;:{&q;screenName&q;:&q;ashleaebeling&q;,&q;name&q;:&q;Ashlea Ebeling&q;,&q;profileImageUrl&q;:&q;http://pbs.twimg.com/profile_images/447025847577223168/j9FZyehE.jpeg&q;,&q;description&q;:&q;Associate Editor, Forbes&q;,&q;createdDate&q;:1297440538000,&q;location&q;:&q;New Canaan, Conn.&q;,&q;url&q;:&q;http://t.co/HaIWurDsvc&q;,&q;expandedUrl&q;:&q;http://www.forbes.com/sites/ashleaebeling&q;,&q;displayUrl&q;:&q;forbes.com/sites/ashleaeb…&q;,&q;verified&q;:false},&q;inactive&q;:true,&q;primaryChannel&q;:{&q;id&q;:&q;channel_2&q;,&q;channelId&q;:&q;channel_2&q;,&q;channelName&q;:&q;Investing&q;,&q;sectionId&q;:&q;section_65&q;,&q;sectionName&q;:&q;Personal Finance&q;,&q;url&q;:&q;/finance&q;,&q;shortName&q;:&q;Personal Finance&q;},&q;allowEmail&q;:false,&q;avatar_map&q;:{}},{&q;naturalId&q;:&q;blogAuthorId/blog/author/blog-964&q;,&q;name&q;:&q;The Best Revenge&q;,&q;avatars&q;:[{&q;size&q;:0,&q;image&q;:&q;&q;},{&q;size&q;:0,&q;image&q;:&q;&q;},{&q;size&q;:0,&q;image&q;:&q;&q;},{&q;size&q;:0,&q;image&q;:&q;&q;}],&q;url&q;:&q;http://www.forbes.com/sites/ashleaebeling/&q;,&q;profileUrl&q;:&q;https://blogs.forbes.com/ashleaebeling/profile/&q;,&q;twitterName&q;:&q;ashleaebeling&q;,&q;authorType&q;:&q;individual&q;,&q;blog&q;:true,&q;timestamp&q;:1512748713394,&q;topics&q;:[&q;personal-finance&q;,&q;investing&q;,&q;taxes&q;,&q;entrepreneurs&q;,&q;taxes-and-law&q;,&q;retirement&q;,&q;business&q;,&q;financing&q;,&q;microbusiness&q;,&q;advisor-network&q;,&q;washington&q;,&q;catching-up&q;,&q;navigating-the-new-retirement&q;],&q;recentFlag&q;:false,&q;recentActivityCount&q;:2,&q;latestActivityDate&q;:1447711020000,&q;dailyActivityCount&q;:1,&q;primaryBlogNaturalId&q;:&q;blogAuthorId/blog/author/blog-964&q;,&q;primaryContributor&q;:&q;blogAuthorId/blog/author/632&q;,&q;primaryContributorData&q;:{&q;naturalId&q;:&q;blogAuthorId/blog/author/632&q;,&q;name&q;:&q;Ashlea Ebeling&q;,&q;avatars&q;:[{&q;size&q;:136,&q;image&q;:&q;https://secure.gravatar.com/avatar/6bd08f12115b5a9d70be6ce51169107b?s=136&a;#038;d=mm&a;#038;r=g&q;},{&q;size&q;:400,&q;image&q;:&q;https://secure.gravatar.com/avatar/6bd08f12115b5a9d70be6ce51169107b?s=400&a;#038;d=mm&a;#038;r=g&q;},{&q;size&q;:40,&q;image&q;:&q;https://secure.gravatar.com/avatar/6bd08f12115b5a9d70be6ce51169107b?s=40&a;#038;d=mm&a;#038;r=g&q;},{&q;size&q;:62,&q;image&q;:&q;https://secure.gravatar.com/avatar/6bd08f12115b5a9d70be6ce51169107b?s=62&a;#038;d=mm&a;#038;r=g&q;}],&q;blog&q;:false,&q;shortBio&q;:&q;I write about how to build, manage and enjoy your family&s;s wealth.&q;,&q;description&q;:&q;I&s;m an associate editor at Forbes, reporting on personal finance from my outpost in a Modernist house in New Canaan, Conn. I have a law degree, and I write about how to build, manage and enjoy your family&s;s wealth.\r\n\r\nSince I joined Forbes in 1997, my favorite stories have been on how people fuel their passions (historic preservation, open space, art, for example) by exploiting the tax code. I also get into the nitty-gritty of retirement account rules, estate planning and strategic charitable giving. My favorite Forbes business trip: to Plano, Ill. to report on the restoration of Ludwig Mies van der Rohe&s;s Farnsworth House, then owned by a British baron. Live well.\r\n\r\nFollow me on Twitter: http://www.twitter.com/ashleaebeling\r\n\r\nSend me an email: aebeling@forbes.com&q;,&q;allowEmail&q;:false},&q;shortUri&q;:&q;http://onforb.es/12liM5h&q;,&q;displayChannel&q;:&q;investing&q;,&q;displaySection&q;:&q;personalfinance&q;,&q;contributorSince&q;:1280851234000,&q;slug&q;:&q;ashleaebeling&q;,&q;showNoVestPocket&q;:false,&q;embargo&q;:false,&q;primaryChannelId&q;:&q;channel_2&q;,&q;primarySectionId&q;:&q;section_65&q;,&q;enableContribContact&q;:false,&q;enableTwitterFeed&q;:false,&q;disableCanonical&q;:false,&q;disableDigest&q;:false,&q;forbesTwitterProfile&q;:{&q;screenName&q;:&q;ashleaebeling&q;,&q;name&q;:&q;Ashlea Ebeling&q;,&q;profileImageUrl&q;:&q;http://pbs.twimg.com/profile_images/447025847577223168/j9FZyehE.jpeg&q;,&q;description&q;:&q;Associate Editor, Forbes&q;,&q;createdDate&q;:1297440538000,&q;location&q;:&q;New Canaan, Conn.&q;,&q;url&q;:&q;http://t.co/HaIWurDsvc&q;,&q;expandedUrl&q;:&q;http://www.forbes.com/sites/ashleaebeling&q;,&q;displayUrl&q;:&q;forbes.com/sites/ashleaeb…&q;,&q;verified&q;:false},&q;inactive&q;:false,&q;primaryChannel&q;:{&q;id&q;:&q;channel_2&q;,&q;channelId&q;:&q;channel_2&q;,&q;channelName&q;:&q;Investing&q;,&q;sectionId&q;:&q;section_65&q;,&q;sectionName&q;:&q;Personal Finance&q;,&q;url&q;:&q;/finance&q;,&q;shortName&q;:&q;Personal Finance&q;},&q;allowEmail&q;:false,&q;avatar_map&q;:{}}],&q;channelSection&q;:[{&q;channelId&q;:&q;channel_2&q;},{&q;channelId&q;:&q;channel_2&q;,&q;sectionId&q;:&q;section_15&q;},{&q;channelId&q;:&q;channel_2&q;,&q;sectionId&q;:&q;section_65&q;}],&q;slug&q;:&q;The Best Revenge&q;,&q;blogType&q;:&q;individual&q;,&q;sitePage&q;:&q;forbes.com/investing/blogs/ashleaebeling/index.html&q;,&q;displayChannel&q;:&q;investing&q;,&q;displaySection&q;:&q;personalfinance&q;,&q;vestPocketList&q;:[{&q;id&q;:&q;59a56e3764aaf9435aebcbf4&q;,&q;type&q;:&q;blog&q;,&q;uri&q;:&q;http://www.forbes.com/sites/ashleaebeling/2017/08/29/giving-stock-to-the-greater-houston-community-foundation-hurricane-harvey-relief-fund/&q;,&q;image&q;:&q;http://specials-images.forbesimg.com/imageserve/593341d5d9d14ced84e4578a5a01785c/960x0.jpg?fit=scale&q;,&q;title&q;:&q;Giving Stock To The Greater Houston Community Foundation Hurricane Harvey Relief...&q;,&q;contentType&q;:&q;blog&q;,&q;position&q;:0,&q;naturalId&q;:&q;blogAndPostId/blog/post/964-14863&q;,&q;authorImage&q;:&q;http://0.gravatar.com/avatar/6bd08f12115b5a9d70be6ce51169107b?s=40&a;d=mm&a;r=g&q;,&q;authorUrl&q;:&q;http://www.forbes.com/sites/ashleaebeling/&q;,&q;authorType&q;:&q;Forbes Staff&q;,&q;authorName&q;:&q;Ashlea Ebeling&q;,&q;blogType&q;:&q;individual&q;},{&q;id&q;:&q;59a72d6c64aaf97b128dd676&q;,&q;type&q;:&q;blog&q;,&q;uri&q;:&q;http://www.forbes.com/sites/ashleaebeling/2017/08/30/tax-relief-for-hurricane-harvey-victims-retirement-account-withdrawals/&q;,&q;image&q;:&q;http://specials-images.forbesimg.com/imageserve/41514062/960x0.jpg?fit=scale&q;,&q;title&q;:&q;Tax Relief For Hurricane Harvey Victims: Retirement Account Withdrawal Rules...&q;,&q;contentType&q;:&q;blog&q;,&q;position&q;:1,&q;naturalId&q;:&q;blogAndPostId/blog/post/964-14869&q;,&q;authorImage&q;:&q;http://0.gravatar.com/avatar/6bd08f12115b5a9d70be6ce51169107b?s=40&a;d=mm&a;r=g&q;,&q;authorUrl&q;:&q;http://www.forbes.com/sites/ashleaebeling/&q;,&q;authorType&q;:&q;Forbes Staff&q;,&q;authorName&q;:&q;Ashlea Ebeling&q;,&q;blogType&q;:&q;individual&q;},{&q;id&q;:&q;59a467ab64aaf9435aebc899&q;,&q;type&q;:&q;blog&q;,&q;uri&q;:&q;http://www.forbes.com/sites/kellyphillipserb/2017/08/28/irs-announces-tax-relief-for-taxpayers-affected-by-hurricane-harvey/&q;,&q;image&q;:&q;https://specials-images.forbesimg.com/imageserve/41510735/960x0.jpg?fit=scale&q;,&q;title&q;:&q;IRS Announces Tax Relief For Taxpayers Affected By Hurricane Harvey&q;,&q;contentType&q;:&q;blog&q;,&q;position&q;:2,&q;naturalId&q;:&q;blogAndPostId/blog/post/1479-32524&q;,&q;authorImage&q;:&q;https://secure.gravatar.com/avatar/e8bc935b76c1deaa34ea856ea8a1f96f?s=40&a;d=mm&a;r=g&q;,&q;authorUrl&q;:&q;http://www.forbes.com/sites/kellyphillipserb/&q;,&q;authorType&q;:&q;Forbes Staff&q;,&q;authorName&q;:&q;Kelly Phillips Erb&q;,&q;blogType&q;:&q;individual&q;},{&q;id&q;:&q;59a405e264aaf9435aebc5ed&q;,&q;type&q;:&q;blog&q;,&q;uri&q;:&q;http://www.forbes.com/sites/kellyphillipserb/2017/08/28/helping-out-after-hurricane-harvey-where-what-how-to-donate/&q;,&q;image&q;:&q;https://specials-images.forbesimg.com/imageserve/840023402/960x0.jpg?fit=scale&q;,&q;title&q;:&q;Helping Out After Hurricane Harvey: Where, What &a; 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Hurricane Harvey hit the Texas coast with over 3 feet of rain and 125 mph winds. / AFP PHOTO / MARK RALSTON \&q; data-height=\&q;2024\&q; data-width=\&q;2752\&q; /&g; \n &l;/div&g; \n &l;div article-image-caption=\&q;\&q;&g; \n  &l;div class=\&q;caption-container\&q; ng-class=\&q;caption_state\&q;&g; \n   &l;fbs-accordion current=\&q;0\&q;&g; \n    &l;p class=\&q;wp-caption-text\&q;&g;Rescue workers begin mandatory evacuations in the area beneath the Barker Reservoir as water is released after Hurricane Harvey caused widespread flooding in Houston, Texas on August 31, 2017. Hurricane Harvey hit the Texas coast with over 3 feet of rain and 125 mph winds. / AFP PHOTO / MARK RALSTON&l;/p&g; \n   &l;/fbs-accordion&g; \n  &l;/div&g; \n &l;/div&g; \n&l;/div&g;\n&l;p&g;Nearly a third of the $9 million in credit card donations so far to the Salvation Army&s;s digital giving platform earmarked for Hurricane Harvey relief posted in the last 12 hours. Most people reach for their credit card to give to charity, but from a tax perspective, cash (or credit card) gifts aren’t the most efficient. “If someone wants to make a large gift of stock or IRA rollover, that money is still going to be needed; it’s going to take years to help some of these folks,” says Lt. Col. Ron Busroe, secretary for community relations with the Salvation Army.&l;/p&g;\n&l;div class=\&q;wp-caption alignnone\&q;&g; \n &l;div class=\&q;article-body-image\&q;&g; \n  &l;img src=\&q;//specials-images.forbesimg.com/imageserve/841052292/960x0.jpg?fit=scale\&q; alt=\&q;HOUSTON, TX - AUGUST 30: Flooded homes are shown near Lake Houston following Hurricane Harvey August 30, 2017 in Houston, Texas. The city of Houston is still experiencing severe flooding in some areas due to the accumulation of historic levels of rainfall, though the storm has moved to the north and east. (Photo by Win McNamee/Getty Images)\&q; data-height=\&q;2000\&q; data-width=\&q;3000\&q; /&g; \n &l;/div&g; \n &l;div article-image-caption=\&q;\&q;&g; \n  &l;div class=\&q;caption-container\&q; ng-class=\&q;caption_state\&q;&g; \n   &l;fbs-accordion current=\&q;0\&q;&g; \n    &l;p class=\&q;wp-caption-text\&q;&g;HOUSTON, TX - AUGUST 30: Flooded homes are shown near Lake Houston following Hurricane Harvey August 30, 2017 in Houston, Texas. The city of Houston is still experiencing severe flooding in some areas due to the accumulation of historic levels of rainfall, though the storm has moved to the north and east. (Photo by Win McNamee/Getty Images)&l;/p&g; \n   &l;/fbs-accordion&g; \n  &l;/div&g; \n &l;/div&g; \n&l;/div&g;\n&l;p&g;Lt. Col. Busroe likened Harvey to Katrina—where the Salvation Army was involved with local unmet needs committees for almost 10 years, helping people get back into homes. Most affected households lack flood insurance.&l;/p&g;\n&l;p&g; \n &l;fbs-ad position=\&q;inread\&q; progressive=\&q;\&q;&g;&l;/fbs-ad&g;&l;/p&g;\n&l;p&g;Here are details on three ways to get more to charity by using the tax code to your advantage.&l;/p&g;\n&l;div class=\&q;wp-caption alignnone\&q;&g; \n &l;div class=\&q;article-body-image\&q;&g; \n  &l;img src=\&q;//specials-images.forbesimg.com/imageserve/841032470/960x0.jpg?fit=scale\&q; alt=\&q;PORT ARTHUR, TX - AUGUST 30: Evacuees ride in the back of a pickup truck after the area was inundated with flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)\&q; data-height=\&q;2000\&q; data-width=\&q;3000\&q; /&g; \n &l;/div&g; \n &l;div article-image-caption=\&q;\&q;&g; \n  &l;div class=\&q;caption-container\&q; ng-class=\&q;caption_state\&q;&g; \n   &l;fbs-accordion current=\&q;0\&q;&g; \n    &l;p class=\&q;wp-caption-text\&q;&g;PORT ARTHUR, TX - AUGUST 30: Evacuees ride in the back of a pickup truck after the area was inundated with flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)&l;/p&g; \n   &l;/fbs-accordion&g; \n  &l;/div&g; \n &l;/div&g; \n&l;/div&g;\n&l;p&g;&l;strong&g;Appreciated stock gifts.&l;/strong&g; “For someone who wants to help with disasters like Harvey, the first place we’d look is to appreciated securities,” says Bob Waskiewicz, a CPA and planner at Wescott Financial Advisory Group in Philadelphia. “It’s a tremendous strategy.” If you give charity a stock you bought for $1,000 that’s grown to $10,000, you don’t have to pay capital gains tax on the $9,000 in appreciation. And if you itemize deductions on your tax return, you get a $10,000 charitable income tax deduction.&l;/p&g;\n&l;div class=\&q;vestpocket\&q; vest-pocket=\&q;\&q;&g;&l;/div&g;\n&l;div class=\&q;wp-caption alignnone\&q;&g; \n &l;div class=\&q;article-body-image\&q;&g; \n  &l;img src=\&q;//specials-images.forbesimg.com/imageserve/841047318/960x0.jpg?fit=scale\&q; alt=\&q;PORT ARTHUR, TX - AUGUST 30: Evacuees sit in the auditorium of the Woodrow Wilson Middle School after they were evacuated from the flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. The evacuees said they were waiting for instructions on where they will sleep for the night as well as when they might be fed. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)\&q; data-height=\&q;2000\&q; data-width=\&q;3000\&q; /&g; \n &l;/div&g; \n &l;div article-image-caption=\&q;\&q;&g; \n  &l;div class=\&q;caption-container\&q; ng-class=\&q;caption_state\&q;&g; \n   &l;fbs-accordion current=\&q;0\&q;&g; \n    &l;p class=\&q;wp-caption-text\&q;&g;PORT ARTHUR, TX - AUGUST 30: Evacuees sit in the auditorium of the Woodrow Wilson Middle School after they were evacuated from the flooding of Hurricane Harvey on August 30, 2017 in Port Arthur, Texas. The evacuees said they were waiting for instructions on where they will sleep for the night as well as when they might be fed. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. (Photo by Joe Raedle/Getty Images)&l;/p&g; \n   &l;/fbs-accordion&g; \n  &l;/div&g; \n &l;/div&g; \n&l;/div&g;\n&l;p&g;&l;strong&g;The IRA Charitable Rollover&l;/strong&g;. If you’re 70 &a;frac12; or older you have to start taking required minimum distributions from your Individual Retirement Account, and those distributions count as taxable income. Instead, you can direct up to $100,000 a year to a public operating charity (like the American Red Cross) with an IRA charitable rollover. If you don’t normally itemize, the rollover is a clear win. But even if you do itemize, it can save you more tax than taking the distribution into income and then donating it. By lowering your AGI, the move can help you can save on Medicare B premiums, for example.&l;/p&g;\n&l;div class=\&q;wp-caption alignnone\&q;&g; \n &l;div class=\&q;article-body-image\&q;&g; \n  &l;img src=\&q;//specials-images.forbesimg.com/imageserve/840684744/960x0.jpg?fit=scale\&q; alt=\&q;A girl sorts toiletries at a shelter for volunteer rescue workers set up at the Fairfield Baptist Church student building on August 29, 2017 in Cypress, Texas. The shelter was set up as a place to rest for volunteer rescue workers who had come to the Houston area in the aftermath of Hurricane Harvey.Harvey has set what forecasters believe is a new rainfall record for the continental US, officials said Tuesday. Harvey, swirling for the past few days off Texas and Louisiana has dumped more than 49 inches (124.5 centimeters) of rain on the region.(MANDEL NGAN/AFP/Getty Images)\&q; data-height=\&q;3045\&q; data-width=\&q;4500\&q; /&g; \n &l;/div&g; \n &l;div article-image-caption=\&q;\&q;&g; \n  &l;div class=\&q;caption-container\&q; ng-class=\&q;caption_state\&q;&g; \n   &l;fbs-accordion current=\&q;0\&q;&g; \n    &l;p class=\&q;wp-caption-text\&q;&g;A girl sorts toiletries at a shelter for volunteer rescue workers set up at the Fairfield Baptist Church student building on August 29, 2017 in Cypress, Texas. The shelter was set up as a place to rest for volunteer rescue workers who had come to the Houston area in the aftermath of Hurricane Harvey.Harvey has set what forecasters believe is a new rainfall record for the continental US, officials said Tuesday. Harvey, swirling for the past few days off Texas and Louisiana has dumped more than 49 inches (124.5 centimeters) of rain on the region.(MANDEL NGAN/AFP/Getty Images)&l;/p&g; \n   &l;/fbs-accordion&g; \n  &l;/div&g; \n &l;/div&g; \n&l;/div&g;\n&l;p&g;&l;strong&g;Donor-advised fund grants. &l;/strong&g;With a donor-advised fund at a community foundation or the charitable arm of a brokerage firm like Fidelity or Vanguard, you can build a charitable kitty that grows tax-free over time, at the ready when you want to recommend a grant out for disaster relief or another cause. The strategy is to contribute when you’re in a high tax bracket and can use the charitable income tax deduction. Vanguard Charitable reports that its donors have requested 409 grants totaling $1.2 million designated for Harvey relief. 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