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What is the difference between the gross and net interest rate?

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How many people actually go in for a Health Insurance? It is observed that most people think it is a waste of money so avoid it. What do you think?

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I am doing freelancing for two different companies and I have several questions. I deliver for them digital files, such as research, PowerPoints or excel files. Do I need to add sales tax to the invoices? When and how do I file taxes? I have never worked before in California and just started working in October last year.