3tej Blog - Page 10
129 guides on personal finance, taxes, real estate, investing, and health.
Best Indian credit card 2026 by spend profile: 10-question quiz + 15-card comparison ranked
Which Indian credit card to get in 2026: ranked by spend profile. HDFC Diners Black for premium, Amazon Pay ICICI for online buyers, SBI Cashback for ...
Funding a UK or US master from India 2026: scholarships + education loan + Section 80E stack
Indian student abroad funding 2026: Chevening UK ($60K), Fulbright US ($80K+), Inlaks ($120K), DAAD Germany, education loan + Section 80E deduction (u...
Freelancer true rate 2026: what to charge in 8 countries (tax + healthcare + time off)
Freelancer hourly rate calculator across 8 countries 2026. Factor in country tax (income + self-employment), healthcare cost, time off, billable utili...
When can I afford to quit my job to freelance? The 2026 12-month runway test (8 countries)
Freelancer go/no-go decision 2026: 12-month liquid runway + 70-80% pipeline replacement + healthcare bridge. Country-specific cost: US adds $14K/yr he...
Canada mortgage stress test 2026: how the +2% or 5.25% rule sets the max you can borrow
Canadian mortgage stress test 2026: qualify at contract rate + 2% or 5.25% (whichever higher). GDS 35% / TDS 42% caps. CMHC insurance for under-20% do...
How to maximize your Canada PR CRS score in 2026: 8 proven boosts ranked by points
Canadian Express Entry CRS score in 2026: how to maximize your points. Age peak 20-29, language CLB 9 vs 7 worth 50 points, PNP +600, French CLB 7 +50...