> I stand corrected. But you are saying effective. This is after your 
> deductions?

Yup, after deductions and etc. "effective tax rate" compares actual
taxes paid against earnings.

Owning a home is quite helpful (especially in the early years when
interest outstrips principle by a huge margin)

Try http://www.dinkytown.net/java/TaxMargin.html for a rough estimate.

-- 
will

"If my life weren't funny, it would just be true;
and that would just be unacceptable."
- Carrie Fisher

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