You are employed as a surfboard wax technician for $64,000 annual salary. You own a house with an accompanying 30-year, 6.9% APR (annual percentage rate) mortgage. You currently have an extra $100 a month to save or apend and you are trying to decide what to do. You may pay the extra $100 on your mortgage, buy US Government bonds that pay 6% interest (US Government bonds are tax free), or buy shares of a mutual fund that pays 6.5 (your capital gains tax rate in 10%). You also have two credit cards. One in a VISA card with a $3500 balance and 3.9% interest rate and the other is a MasterCard with a $2000 balance and a 12.7% interest rate. You found the following table in the instructions with this year a tax return. Income Range - Single Marginal Base Tax Rate $0 $7,550 0 10% $7,550 $30,650 $755 15% $30,650 $74,200 $4,220 25% $74,200 $154,800 $15,107 28% $154,800 $336,550 $37,675 33% $336,550 no limit $97,653 35% What is your least best option among all your choices?