3tej Blog - Page 4
129 guides on personal finance, taxes, real estate, investing, and health.
How to Remove PMI in 2026: 4 Methods and Which One Saves the Most
Private Mortgage Insurance (PMI) costs 0.5% to 1.5% of your loan annually. 2026 guide to removing PMI: automatic termination, requested cancellation, ...
How Much Life Insurance Do I Need in 2026? (DIME, HLV, and 10x Rules Compared)
Three methods to size life insurance: 10x income (quick), DIME (Debt+Income+Mortgage+Education), and HLV (Human Life Value). 2026 guide with worked ex...
Estimated Tax Payments 2026: The Quarterly Schedule (US)
Quarterly estimated tax dates for 2026: April 15, June 15, September 15, January 15. Full guide with safe harbor rules, the 110% test, and how to calc...
Dollar-Cost Averaging vs Lump Sum 2026: Which Wins (Math + Behaviour)
Vanguard's research shows lump sum beats dollar-cost averaging 66% of the time historically. 2026 guide with the math, the behavioural counterargument...
Crypto Tax Basics 2026: Every Event That Triggers a Tax Bill
Every crypto transaction is a taxable event in the US: sale, trade, swap, staking, mining, airdrop. 2026 guide with the cost basis methods, FIFO vs Sp...
Compound Interest Explained 2026: Formula, Examples, and Why It Matters
Compound interest is interest earned on both principal and accumulated interest. Full 2026 guide with formula, worked examples, the rule of 72, and th...