Yellow is fake gold; it's veneer and show rather than substance. We see that with the yellow cocktail music at Gatsby's party (1) and the two girls in twin yellow dresses who aren't as alluring as the golden Jordan (3.15).
I think a moderate income is income above the median for famlies in your county, but not more than 25% of the median income. The IRS usually has this info for free, but I see they are now charging $10 for this on their web site for more recent years. http://www.irs.gov/taxstats/indtaxst...=96947,00.html.
* Important to note: The first $20K income for a couple is tax free as a result of the standard deduction and the personal exemption. If you are in the 10-15% TAX BRACKET you pay zero percent tax on long term capital gains and qualified dividends up to $72K. This was made a permanent rule for 2013 tax returns.s for charity, give as much as you can. It is better to give to causes you are passionate about rather than pay more taxes to the government who ends up wasting your money. The Yakezie Writing Contest is a micro-giving example where we give 100% of proceeds to winning recipients for educational purposes.