Thomas carries an average balance of $110 on his credit card. If the interest rate is 6% and the card has an annual fee of $40, what is Thomas's total APR? 21.00% 10.50% 40.00% 42.00% The most important factor determining your FICO score is: whether you have too many credit cards. how much you currently owe. how long your credit history is. whether you make timely payments on your debt obligations. James, age 65, withdraws $10000 for retirement from his Roth IRA this year. How much will he owe in taxes if his current marginal tax rate is 12% and his average tax rate is 9%? $1200 $0 $300 $900 Sam itemizes deductions, has a 17% average tax rate, and pays a 24% marginal tax rate. What is his cost of a $1800 charitable donation? $1494 $0 $1368 $1800 If the total of your annual expenses in certain allowed categories exceeds the standard deduction for your federal filing status, you can subtract the difference from the standard deduction and itemized deductions from your taxable income. only subtract the amount of the standard deduction from your adjusted gross income. report itemized deductions on Schedule A and subtract the allowed total from your adjusted gross income. take a personal exemption. Thomas carries an average balance of $110 on his credit card. If the interest rate is 6% and the card has an annual fee of $40, what is Thomas's total APR? 21.00% 10.50% 40.00% 42.00% The most important factor determining your FICO score is: whether you have too many credit cards. how much you currently owe. how long your credit history is. whether you make timely payments on your debt obligations. James, age 65, withdraws $10000 for retirement from his Roth IRA this year. How much will he owe in taxes if his current marginal tax rate is 12% and his average tax rate is 9%? $1200 $0 $300 $900 Sam itemizes deductions, has a 17% average tax rate, and pays a 24% marginal tax rate. What is his cost of a $1800 charitable donation? $1494 $0 $1368 $1800 If the total of your annual expenses in certain allowed categories exceeds the standard deduction for your federal filing status, you can subtract the difference from the standard deduction and itemized deductions from your taxable income. only subtract the amount of the standard deduction from your adjusted gross income. report itemized deductions on Schedule A and subtract the allowed total from your adjusted gross income. take a personal exemption