I file every year with paper and pen/pencil.

Every year I encounter some new issues. This year I had an issue in American Opportunity credit. Once you have a whole picture, it is much easy to understand other issues, such as college expected family contribution, and articles from accountant about tax saving.

The VUL, which was pushed by a lot of Chinese folks, was a bad financial product for a lot of middle class families. A lot of people bought it without knowing their tax situations fully. Very sad.

I sitll remember I posted my tax filing here once, and getting a lot of jokes and laughs. Wow, nothing I can say except I know what I am doing.

Learning, learning and still learning.