3tej Blog
129 guides on personal finance, taxes, real estate, investing, and health. Country-specific (US, UK, India, Canada, Australia, Singapore, UAE, Germany) and global topics.
Live Gold Price by Country: Spot vs Retail, Karat Math, What Your Gold Is Worth
How gold is priced worldwide: LBMA spot in USD per troy ounce, conversion to local currency per gram and tola, the gap between spot and retail jewelry...
Live Exchange Rates Explained: Mid-Market vs Retail and Cross Rates
How live exchange rates work: the ECB mid-market rate, retail spreads (banks 1-4%, Wise/Revolut 0.3-1%, airports 4-12%), cross rates, ISO 4217, pegged...
Self-Employed Tax Guide 2026: Quarterly Payments, Deductions, and the SE Tax
Self-employment tax is 15.3% on the first 176,100 USD of net SE income (12.4% SS + 2.9% Medicare). 2026 guide with quarterly payment schedule, top ded...
Required Minimum Distributions (RMD) 2026: Age 73 Rules and How to Avoid the 25% Penalty
RMD age is 73 in 2026 (rising to 75 in 2033). 2026 guide with the uniform lifetime table, calculation worked example, the new 25% penalty (was 50%), a...
QBI Deduction 2026: Section 199A Explained (with Sunset Watch)
Section 199A QBI deduction lets pass-through owners deduct up to 20% of qualified business income. 2026 guide: income limits, phase-outs, SSTB rules, ...
UK Tax Code 1257L Explained 2026: What It Means and When to Check
1257L is the standard UK PAYE tax code in 2026, meaning a personal allowance of 12,570 GBP. Full guide: what the numbers and letters mean, common alte...