This is so called Tax-plan.

回答: If you put your money into taxable account,A-mao2007-06-14 10:40:05

Everybody has his/her own situation. Remember, the tax rate changes with your income level. ( even the long term capital gain tax rate changes). So you have to do your home work. Bayfamily just did according to his own income level. You just need to understand his logic, and apply to your own situation.

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