If you’re working in ministry and feeling unprepared you may not be alone; Let’s support one another knowing times are increasingly more difficult

Revelation 2:5 Remember therefore from where you have fallen; repent, and do the works you did at first. If not, I will come to you and remove your lampstand from its place, unless you repent.

Important Takeaways:

  • What Pastors Wish They’d Been Prepared For
  • Broadly speaking, recent years may have amplified many pastors’ insecurities about what they have to offer their communities. Comparing data from 2015 and 2020, Barna found that pastors across the nation were facing a shocking surge in perceived gaps in their own training.
  • In 2015, just 27 percent of pastors said they wished they’d been better prepared to handle conflict. In 2020, that number shot up to 40 percent.
  • In 2015, 20 percent of pastors said they wished they were better prepared to delegate and train others. In 2020, 41 percent said the same.
  • In 2015, 16 percent of pastors said they wished they were better prepared to navigate church politics. By 2020, 36 percent of pastors said the same.
  • These jumps in common stressors are thrown into even sharper relief when controlled for age. Younger pastors more often than their older colleagues wish they’d had better preparation to handle issues like conflict (47% of pastors under 45 vs. 37% of pastors 45+), crisis management (32% vs. 15%) and leadership demands (29% vs. 17%).
  • In short, the next generation of pastors says they feel unprepared for some of the biggest challenges facing the modern Church. Whether as a major contributor or a serious consequence, this sense of being unprepared is part of the growing epidemic of burnout.

Read the original article by clicking here.

New York Guardian Angels patrol a Jewish neighborhood on edge

By Peter Szekely and Daniel Fastenberg

NEW YORK (Reuters) – On a windy January night in Brooklyn, a young Jewish woman wary of rising anti-Semitism in her city threw a man who had confronted her to the sidewalk.

It was Ariana Gold’s first night of training with the Guardian Angels, a volunteer neighborhood patrol group that has started patrolling the borough’s Crown Heights section, where attacks against ultra-orthodox Jews have risen in recent months.

“I think a lot of people are afraid and I think rightly so,” Gold said. “We’ve seen a lot of attacks in the Jewish communities.”

Gold, 28, who lives in a different Brooklyn neighborhood and is not ultra-orthodox, is among the first group of local Jewish women to sign up with the Guardian Angels, which was born in New York during the high-crime late 1970s and now has branches in dozens of cities across the country and around the world.

The defense techniques she was shown on her first night are designed to “bring a person into submission without really hurting them,” said martial arts master Milton Oliver, 51, a construction supervisor and Guardian Angel since 1982.

Gold, a New York native who has been boxing for exercise for five years, found her way to the Guardian Angels after spotting a recruitment poster in the subway.

“I believe in community engagement and working with communities, I believe in martial arts and self-defense, I believe in volunteerism and taking care of the people around you,” said Gold, who works at a non-profit organization. “So, this kind of combined all of those traits.”

The Guardian Angel patrols in Crown Heights, home to the Chabad-Lubavitch Hasidic movement and many of its followers, come after high-profile mass shootings at synagogues in Pittsburgh and San Diego in the past 16 months.

In New York, police reported a 26% jump in anti-Semitic hate-crimes last year. While most of the city’s 234 incidents involved graffiti, they also included attacks on Lubavitchers in Crown Heights, which has a history of occasionally strained relations between Jews and blacks that flared into rioting in 1991.

Guardian Angels founder Curtis Sliwa said community leaders asked his group to resume patrols for the first time since the riots after a mass stabbing attack on Hanukkah celebrants last month in suburban Monsey, New York, about 40 miles (64 km) away, as well as several assaults in Crown Heights.

Patrols were also launched in some other ultra-orthodox Brooklyn neighborhoods, he said.

Although the incidents prompted an increased police presence, Sliwa said residents still need to take charge of their own safety.

“You can’t depend on a political figure or the police,” he said. “You’ve got to self-help, you have to use self-defense, you have to fight back, you have to be aggressive.”

The Guardian Angels have started training 40 to 50 mostly ultra-orthodox Jews to defend themselves and make citizens’ arrests, Sliwa said. By late summer or early fall, he said they should be able to staff their own neighborhood patrols.

Meanwhile, Sliwa and a handful of Guardian Angel volunteers patrol the streets about three times a day in their signature red berets and jackets, often drawing handshakes, selfies and thanks from local residents in traditional Lubavitcher garb.

When Gold is fully trained, she said she will patrol “wherever they send me,” adding, “I’m pretty flexible.”

(This story has been refiled to correct typographical error in byline)

(Reporting by Peter Szekely and Dan Fastenberg; Editing by Dan Grebler)

Saudi national suspected in shooting incident at U.S. Navy base in Florida

(Reuters) – The suspected shooter involved in a deadly incident on Friday at a major U.S. Navy base in Florida was believed to be a Saudi national in the United States for training, two U.S. defense officials said, speaking on condition of anonymity.

Four people including the shooter were killed in the episode at Naval Air Station Pensacola, the Navy and local sheriff’s office said, the second deadly shooting at a U.S. military installation this week.

The first reports of an “active shooter” on the base came through to the Escambia County sheriff’s office at about 6:51 a.m., officials said.

A few minutes later, a sheriff’s deputy fatally shot the shooter in a classroom on the base, Sheriff David Morgan said at a news conference on Friday morning.

“Walking through the crime scene was like being on the set of a movie,” Morgan said. He declined to share any details about the suspected shooter’s identity.

The two law enforcement officials, who were not authorized to speak on the record about the investigation, said the suspected shooter was on the base for training but said they could provide no additional information.

Saudi Arabia’s embassy in Washington did not immediately respond to questions.

Two sheriff’s deputies were injured, one shot in the arm, the other in the knee, but both were expected to survive, officials said at the news conference.

Eight people were taken to Baptist Hospital for treatment, hospital spokeswoman Kathy Bowers said.

Sheriff’s officials said one of the three victims died after being taken to the hospital, but it was unclear whether that victim was one of the eight who arrived at Baptist. Bowers declined to say.

While military bases house the nation’s most powerful armaments, military personnel normally are restricted from carrying weapons on base unless they are part of their daily duties. Nonetheless U.S. military bases have seen deadly mass shootings before, including one in Ford Hood, Texas, in 2009 that left 13 dead and one at the Washington Navy Yard in 2013 that killed 12.

U.S. President Donald Trump had been briefed and was monitoring the situation, a White House spokesman said.

On Wednesday, a sailor shot three civilians at the historic Pearl Harbor military base in Hawaii, killing two of them before taking his own life.

The Pensacola base, which is near Florida’s border with Alabama, is a major training site for the Navy and home to its aerobatic flight demonstration squadron, the Blue Angels. The base employs more than about 16,000 military and 7,400 civilian personnel, according to the base’s website.

Pensacola Mayor Grover Robinson said at the news conference that the base is “an incredibly important part of our community.”

“We’re a military town,” he said. “Our hearts and prayers are connected to all of those that serve us every day.”

(Reporting by Jonathan Allen and Maria Caspani in New York and Idrees Ali in Washington; Editing by Alison Williams and Steve Orlofsky)

U.S. prosecutors charge New York man with being Islamic State sniper

Ruslan Maratovich Asainov, a 42-year-old naturalized U.S. citizen originally from Kazakhstan, appears in this courtroom sketch alongside Attorney Susan Kellman before United States Magistrate Judge Steven M. Gold at the United States Courthouse after he was was charged with providing material support to the Islamic State, in New York City, U.S. July 19, 2019. REUTERS/Jane Rosenberg NO RESALES. NO ARCHIVES.

(Reuters) – U.S. prosecutors have charged a New York man with fighting for the Islamic State militant group in Syria and serving as a weapons trainer, according to court documents unsealed on Friday.

Ruslan Maratovich Asainov, a 42-year-old naturalized U.S. citizen originally from Kazakhstan, was charged with providing material support to the terrorist organization, including providing training to terrorist soldiers and attempting to recruit personnel.

Asainov traveled to Istanbul, Turkey, from his home in New York’s Brooklyn borough in December 2013 and then to Syria, where he joined Islamic State and rose through the ranks as a sniper and then as a weapons instructor, according to charging documents.

Prosecutors said Asainov was detained by the Syrian Democratic Forces and was transferred into FBI custody.

The charges filed against Asainov were based in part on his regular communication between August 2014 and March 2015 with a confidential informant working for the New York Police Department. According to the complaint, Asainov attempted to recruit the informant to work for Islamic State’s media operations and asked that he send about $2,800 for military equipment.

Islamic State has claimed responsibility for several attacks against Americans in the United States and abroad.

(Reporting by Gabriella Borter in Boston; Editing by Scott Malone and Jonathan Oatis)

U.S. to stop training Turkish F-35 pilots because of Russia deal: sources

FILE PHOTO: A Lockheed Martin F-35 aircraft is seen at the ILA Air Show in Berlin, Germany, April 25, 2018. REUTERS/Axel Schmidt/File Photo

By Phil Stewart and Humeyra Pamuk

WASHINGTON/ISTANBUL (Reuters) – The United States has decided to stop accepting any more Turkish pilots who had planned to train in the United States on F-35 fighter jets, three U.S. officials said, in a sign of an escalating dispute over Ankara’s plans to purchase Russian air defenses. The two NATO allies have sparred publicly for months over Turkey’s order for Russia’s S-400 air defense system, which Washington says poses a threat to the Lockheed Martin Corp F-35 stealthy fighters, which Turkey also plans to buy.

The United States says Turkey cannot have both, but had avoided taking steps to curtail or halt planned training of Turkish pilots in the program, a reprisal that could be seen as an embarrassment in Turkey.

The three U.S. officials, who spoke to Reuters this week on condition of anonymity, left open the possibility the decision could be reversed, perhaps if Turkey altered its plans. They said the decision so far only applied to upcoming rounds of Turkish pilots and maintenance crews who would have normally trained in the United States.

Reuters was first to report the U.S. decision on pilots, which traders said pressured the Turkish lira on Friday.

A spokesman for Turkey’s Defense Ministry declined comment on Friday.

The Pentagon declined comment on whether it would accept new Turkish pilots. But it has stressed discussions are taking place with Ankara on potentially selling Turkey Patriot missile defenses, which are made by Raytheon Co.

The United States also has threatened to halt training of Turkish pilots and maintenance crews already in the United States, two of the officials said. Reuters reported last week that the step was being seriously considered.

One official said the pilots in the United States could be removed by the end of July.

Four Turkish pilots are currently training at Luke Air Force Base in Arizona. Two additional Turkish pilots are there working as instructors. Beyond those six Turkish officers, there are an additional 20 Turkish aircraft maintainers at the base undergoing training as well, the U.S. military says.

Turkey has expressed an interest in buying 100 of the fighters, which would have a total value of $9 billion at current prices.

STRAINED RELATIONSHIP

If Turkey were removed from the F-35 program, it would be one of the most significant ruptures in recent history in the relationship between the two allies, experts said.

Strains in their ties already extend beyond the F-35 to include conflicting strategy in Syria, Iran sanctions and the detention of U.S. consular staff in Turkey.

The disclosure of the decision on the pilots follows signs that Turkey is moving ahead with the S-400 purchase. Defense Minister Hulusi Akar said on May 22 that Turkish military personnel were receiving training in Russia to use the S-400, and that Russian personnel may go to Turkey.

President Tayyip Erdogan said on Tuesday it was “out of the question” for Turkey to back away from its deal with Moscow.

Erdogan said the United States had not “given us an offer as good as the S-400s.”

The Turkish lira declined as much as 1.5% on Friday before recovering some losses. The currency has shed nearly 10% of its value against the dollar this year in part on fraying diplomatic ties and the risk of U.S. sanctions if Turkey accepts delivery of the S-400s.

Kathryn Wheelbarger, one of the Pentagon’s most senior policy officials, said last week that Turkey’s completion of the transaction with Russia would be “devastating,” dealing heavy blows to the F-35 program and to Turkish interoperability within the NATO alliance.

“The S-400 is a Russian system designed to shoot down an aircraft like the F-35,” said Wheelbarger, an acting assistant secretary of defense. “And it is inconceivable to imagine Russia not taking advantage of that (intelligence) collection opportunity.”

(Reporting by Phil Stewart and Humeyra Pamuk; Additional reporting by Dominic Evans, Mike Stone and Ece Toksabay; Editing by Mary Milliken, Peter Cooney and Howard Goller)

Teen from New Mexico compound says he was trained for jihad: FBI

FILE PHOTO: Personal articles are shown at the compound in rural New Mexico where 11 children were taken in protective custody after a raid by authorities near Amalia, New Mexico, August 10, 2018. REUTERS/Andrew HayREUTERS/File Photo

By Andrew Hay

TAOS, N.M. (Reuters) – A 13-year-old boy who was part of group taken into custody at a squalid New Mexico compound last month has told FBI agents his mother’s boyfriend was training him to conduct “jihad” against non-believers, according to federal court documents.

The boy was among 11 children and five adults living at the compound in Taos County when it was raided on Aug. 3 by local sheriff’s deputies who discovered a cache of firearms and the children living without food or clean water. The dead body of a three-year-old boy was found buried at the site later.

They initially faced state charges, then on Friday, the five adults including a Haitian woman described as the group’s leader, 35-year-old Jany Leveille, were arrested by the Federal Bureau of Investigation and accused of conspiracy and firearms offenses.

In an affidavit filed in support of a criminal complaint, an FBI special agent wrote that Leveille’s 13-year-old son told investigators that his mother’s boyfriend, Siraj Ibn Wahhaj, 40, wanted to “get an army together” and train them for jihad.

The boy told agents that Ibn Wahhaj trained him and another of Leveille’s teenage sons in firearms and military techniques, including rapid reloads and hand-to-hand combat, and told them jihad meant killing non-believers on behalf of Allah, according to the affidavit filed in U.S. District Court in New Mexico.

The 13-year-old also told the FBI that his mother believed she received messages from God, and that he watched her and Ibn Wahhaj perform supposed “exorcism” rituals over the three-year-old boy, including one during which the boy choked and his heart stopped, according to the special agent’s affidavit.

The teenager said his mother and others at the compound told him not to talk to anyone about the three-year-old ever being at the compound because they would “all go to jail.”

Defense lawyers have said that the five adults were exercising their constitutional rights to practice their religion and own firearms, and that the group is being discriminated against because they are black and Muslim. The defense attorneys could not immediately be reached for comment on Saturday.

The five defendants came under FBI surveillance in May after Leveille wrote a letter to Ibn Wahhaj’s brother asking him to join them and become a “martyr,” state prosecutors have said.

They are due to appear in court in Albuquerque on Tuesday.

(Reporting by Andrew Hay; Additional reporting and writing by Bernie Woodall; Editing by Daniel Wallis and Marguerita Choy)

New Mexico child abuse suspects accused of training children for shootings

Conditions at a compound in rural New Mexico where 11 children were taken into protective custody for their own health and safety after a raid by authorities, are shown in this photo near Amalia, New Mexico, U.S., provided August 6, 2018. Taos County Sheriff's Office/Handout via REUTERS

By Andrew Hay

TAOS, N.M. (Reuters) – Five adults charged with abusing 11 children at a New Mexico compound, where they were found ragged and starving, were training those children to use firearms to commit school shootings, prosecutors said in court documents on Wednesday.

The principal suspect, Siraj Ibn Wahhaj, also was charged with abducting his 3-year-old son from his home in Atlanta last December, prompting a cross-country manhunt that led authorities to the compound they raided last Friday north of Taos, New Mexico.

Remains of a young boy believed to be the missing child were found on the property on Monday, on what would have been his fourth birthday, but have not been positively identified, authorities said. The 11 children found alive, ranging in age from 1 to 15 years old, were placed in protective custody.

At an arraignment on Wednesday, Mahhaj and his four co-defendants, Lucas Morton and three women presumed to be the mothers of the 11 surviving children, each pleaded not guilty to 11 counts of felony child abuse. Morton also was charged with harboring a fugitive.

Prosecutors made no mention of motive or ideology in court filings or during court proceedings on Wednesday.

In petitions seeking to detain all five suspects without bail, prosecutors said each was under investigation in the boy’s death.

No weapons charges were filed in the case, but prosecutors said the defendants were suspected of training children “with weapons in furtherance of a conspiracy to commit school shootings.”

Prosecutors said the allegation of weapons training was based on statements from a foster parent for one of the children.

SHOOTING RANGE

Taos County Sheriff Jerry Hogrefe referred over the weekend to the suspects as “extremists of Muslim belief,” but he declined to elaborate when asked about it on Tuesday by reporters.

The women, who appeared in court on Wednesday with white sheets over their heads, were identified as Jany Leveille, Subhannah Wahhaj and Hujrah Wahhaj. One of the men wore a towel over his head in the style of a Mideastern keffiyeh, or headdress.

Hogrefe said on Tuesday that investigators found a shooting range at one end of the squalid compound, situated near the Colorado border.

The sheriff has said he sought a search warrant for the compound after a distress message was passed on to authorities in Georgia and shared with his office. He said the FBI was also investigating.

Wahhaj, 39, whose first name was mistakenly presented in some court documents as Huraj, has been described as being in control of the compound. He was heavily armed when taken into custody, Hogrefe said.

According to court documents, when the children were found they were in rags and appeared to have gone days without food, and loaded firearms were within their reach.

Aleksandar Kostich, a public defender representing the five adults, said the identical wording of the allegations about weapons training in each petition suggested that prosecutors were less than certain about the information they were given.

A man who identified himself to reporters as Gerard Jabril Abdulwali, 64, of Alexandria, Egypt, and the father of Morton, attended the court hearing, during which he shouted, “Allahu Akbar,” Arabic for “God is great.”

He told reporters afterward that was in the United States for medical reasons and had not heard from his son since last year until he received a text message from Morton last Thursday that said “they were starving.”

Abdulwali said his son and the other suspects were “peaceful adult settlers.”

“They were homesteading and were trying to establish a peaceful community, a peaceful life away from society,” he said. “They just went about it the wrong way.”

(Reporting by Andrew Hay in Taos, New Mexico; Additional reporting and writing by Steve Gorman in Los Angeles; Editing by Bill Tarrant, Toni Reinhold)

Starbucks closes 8,000 stores for anti-bias training

A woman walks through Center City clutching a hot Starbucks beverage, before more than 8,000 stores nationwide will close this afternoon for anti-bias training, in Philadelphia, Pennsylvania U.S., May 29, 2018. REUTERS/Mark Makela

(Reuters) – Starbucks Corp appealed to customers for forgiveness in a controversy over racial profiling on Tuesday, saying its behavior toward two black men last month had been reprehensible as it closed 8,000 U.S. stores for anti-bias training.

The company settled privately with the two men after a Philadelphia cafe manager’s call to police resulted in their arrests on April 12. It was closing 8,000 company-owned American stores at around 2 p.m. local time on Tuesday as a first step in training 175,000 employees on racial tolerance.

Analysts expect the closures, coming during the typically slow afternoon hours, would cost Starbucks $5 million to $7 million in lost business. Some 6,000 licensed Starbucks cafes will remain open in locations such as grocery stores and airports, and those employees will be trained later.

The Philadelphia arrests sparked protests and accusations of racial profiling at the coffee chain, which is known for its liberal stances on social issues such as same-sex marriage.

Starbucks Executive Chairman Howard Schultz, who crafted the chain’s culture in his decades as chief executive officer, in an open letter called the manager’s 911 emergency call and the subsequent arrests by police “reprehensible.”

“We determined that insufficient support and training, a company policy that defined customers as paying patrons—versus anyone who enters a store—and bias led to the decision to call the police,” he said.

With independent cafes proliferating and powerful rivals making assertive moves into the coffee business it dominates, analysts said Starbucks cannot afford bad publicity.

On Tuesday JAB Holdings, the private investment company of Germany’s billionaire Reimann family, said it bought a majority stake in British sandwich and coffee shop chain Pret A Manger for $2 billion, expanding its reach into the coffee sector, where it also battles Nescafe and Nespresso maker Nestle.

Earlier this month, Nestle and Starbucks struck a $7 billion coffee licensing deal aimed at strengthening each company’s global position.

Civil rights leaders advising Starbucks on its anti-bias training hope it will reinvigorate decades-old efforts to ensure minorities get equal treatment in restaurants and stores, setting an example for other corporations.

The move has renewed speculation that Schultz is paving the way for a U.S. presidential bid, something he has repeatedly denied. But he appeared to be more open to the idea of political office in an interview with CNN on Tuesday.

“I want to be as involved as I possibly can as a citizen to help the country,” he said. “I don’t know what that’s going to mean in the future.”

(Reporting by Lisa Baertlein in Los Angeles and Aishwarya Venugopal in Bengaluru; editing by Patrick Graham and Jonathan Oatis)

New York police poised to thwart New Year’s Eve suicide bombers

New York Police Department Counterterrorism Bureau members stand in Times Square to provide security ahead of New Year's Eve celebrations in Manhattan, New York, U.S. December 28, 2017

By Daniel Trotta

NEW YORK (Reuters) – The New York Police Department is providing officers with specialized training to stop any suicide bombers at Sunday’s New Year’s Eve celebration, when up to 2 million people will flood the streets of Times Square, officials said on Thursday.

The stepped-up training is in response to an attempted bombing in a Times Square subway station walkway on Dec. 11. It comes on top of increasingly stringent security for the city’s New Year’s Eve celebration in the years since the attacks of Sept. 11, 2001.

The New York Police Department will also deploy observation teams trained to spot snipers, increase the number of explosive-detecting dogs and position more officers throughout the area this year.

Police have said they will incorporate lessons learned from what they have labeled as three terrorist attacks in the city in the past 15 months, in addition to their ongoing analysis of all attacks worldwide.

That intelligence will form part of the massive security operation for the “ball drop” celebration, a tradition that dates to 1907 and is now televised around the world.

“You will see an increase in heavy weapons, bomb squad personnel, radiological detection teams, and our technology to include over 1,000 cameras in and around the area of Times Square for the event,” the NYPD’s chief of counterterrorism, James Waters, told a news conference, two days before the event.

Officers involved in the New Year’s Eve security operation will receive a tactical bulletin and a training video on suicide bombers that they will be able to review on their department-issued phones starting Friday.

“We owe it to the cops to give them some kind of guidelines,” Waters said.

The training material will include instructions on protecting bystanders if officers suspect someone has a bomb and guidance on apprehending and disarming suspects with the assistance of the bomb squad, he said.

Police will also be on the lookout for snipers in response to the mass shooting at a Las Vegas music festival on Oct. 1, when a 64-year-old American opened fire from his 32nd-floor hotel room, killing 58 people and wounding some 500.

Detectives posted in hotels will keep an eye on guests, and additional emergency services and critical response teams will be on hand, Police Commissioner James O’Neill said.

O’Neill declined to say how many of the department’s 36,000 officers will work on New Year’s Eve, in order to keep would-be attackers guessing.

People who want to see the New Year’s Eve musical acts and other entertainment up close in Times Square will have to pass by dogs trained to detect explosives and heavily armed officers, go through a magnetometer to check for weapons, have their bags inspected, and then repeat all those steps a second time.

Police will again use dump trucks filled with sand, police cars and cement blocks to close streets starting at 11 a.m. on Sunday. About 125 parking garages in the vicinity will be emptied of all cars and sealed.

Even so, police acknowledged a possible suicide bomber could manage to get close to large crowds of people before the checkpoints are set up, as evident by the Dec. 11 attack.

On that day, police said, a Bangladeshi man set off a homemade pipe bomb strapped to his body in a subway pedestrian tunnel beneath Times Square, wounding himself and two bystanders.

Asked how to stop someone with such an intent, Waters said, “As a last resort: deadly physical force.”

(Reporting by Daniel Trotta; Editing by Frank McGurty and Leslie Adler)

Student tax breaks survive the tax bill, make the most of them

Graduates celebrate receiving a Masters in Business Administration from Columbia University during the year's commencement ceremony in New York in this May 18, 2005 file photo. dreams of many college seniors. REUTERS/Chip East/Files

By Gail MarksJarvis

CHICAGO (Reuters) – If you are going to college, getting extra training for a job, or paying off student loans, there are myriad tax breaks worth thousands of dollars to people burdened by college costs.

Although many were threatened in early versions of the tax bills crafted by the Senate and House and Representatives, students can breathe a sigh of relief that the benefits all remain. Tax experts suggest using these strategies before the end of December to get every penny possible:

* Student loan interest deduction

About 12.4 million borrowers make use of this deduction. You can deduct up to $2,500 in interest per year, which can result in tax savings that for some top $600.

The deduction depends on how much you have paid in a single tax year toward your student loans and also depends on your income.

If your loan payments made so far for 2017 do not qualify for the $2,500 maximum deduction and you are still paying off student loans, consider paying more before the end of the year to boost the deduction, said Mark Kantrowitz, publisher of www.Cappex.com. You can find out how much interest you have paid so far this year from the student loan servicer that collects your monthly payments.

To take the full $2,500 deduction, an individual cannot have a modified adjusted gross income over $65,000, and for couples $135,000. For individuals with incomes up to $80,000 and for married couples earning up to $165,000, smaller deductions apply.

Paying extra by Dec. 31 would be particularly wise if your income next year is likely to put you over the income cutoff, said Gil Charney, director of tax and policy analysis for The Tax Institute at H&R Block.

* College credits

Both the American Opportunity Credit and Lifetime Learning Credit provide tax breaks to help pay for education, but apply to different stages.

For undergrads, the American Opportunity Credit is worth up to $2,500 per year, but can be used only for the first four years of college. Students must attend at least half-time.

If you have not paid enough tuition and fees to qualify for the full credit this year and have been billed for the first quarter or semester in 2018, consider paying the bill now to maximize the 2017 credit, Charney said. The credit covers 100 percent of the first $2,000 in tuition and fees paid in a year; then 25 percent of the next $2,000.

Remember, there are income limits. You can’t get the full credit with modified adjusted gross income over $80,000; $160,000 for couples.

If your income will exceed the limit in 2018 but qualifies in 2017, this would be the year to capture as much as possible.

The same strategy applies to the Lifetime Learning Credit, which is valuable to part-time students, graduate students or workers trying to enhance job opportunities with an extra course or training.

The Lifetime Learning Credit is worth $2,000, or 20 percent of the first $10,000 spent in a year. So consider paying ahead for 2018 education, especially if you are near an income cutoff: over $56,000 in modified adjusted gross income for individuals, or $112,000 for couples for the maximum credit.

Keep in mind that if two spouses are going to school they cannot both claim the $2,000; it is a maximum per household. The American Opportunity Credit is kinder because it applies per student. Parents with three children in college at the same time could claim the credit for each child and do it annually for the four years a child is in an undergraduate program.

For more details, see IRS Publication 970

The opinions expressed here are those of the author, a columnist for Reuters.

(Editing by Beth Pinsker and Leslie Adler)