Avoid showing sales tax till end of checkout? help

I configured two sales tax possibilities (NJ and FL). When the user starts filling out his information in the checkout, sales tax for NJ (the home of the store) is being immediately applied to the order before the user has a chance to enter billing/shipping information. If the user is not from these states, he is not charged sales tax. I’d prefer that the sales tax did not show until it was clear the user is from one of these states. Suggestions?

Is it really necessary to litter the forum with multiple posts asking the same question?

At any rate, try this: