在加州每年挣20万， 房子还款或重贷要小心呐！

50% of your work is for uncle sam.  here is how.



fed tax:  28%;

CA tax:  9.3%

FICA:  6.2%

MEDCARE:  1.45%



when it comes the time to pay off or refinance your mortgage, make sure your annual mortgage interest cost is high enough to claim itemized deduction on Sch A.



be tax savvy:  making tax free money and spending tax deductible $$.