End of Year HBCU Giving - 5 Tips to Consider   Christmas season is a time for giving. Consequently, many charitable organizations ask their supporters for contributions at this time of the year. Along with a warm feeling, making donations at the end of the year makes financial sense if you itemize your taxes. Because historically black colleges and universities are non-profit entities, you can potentially write-off your gift. As a result, this tax deduction can save you money by lowering your tax obligation. However, if you plan to donate...