3tej Blog - Page 7
129 guides on personal finance, taxes, real estate, investing, and health.
PPO vs HMO vs HDHP+HSA 2026: which US health plan actually wins by family size and usage
US health plan picker 2026: PPO premium ~$650/mo single, HMO ~$480, HDHP+HSA ~$400 plus $4,400 HSA contribution. Net annual cost by usage profile. HDH...
US mortgage pre-qualification 2026: DTI, credit score, loan type
US mortgage pre-qualification 2026: DTI 43% back-end cap, conforming loan limit $815K, FHA at 3.5% down vs Conventional at 5%, VA at 0% down. Credit-s...
How US expats legally pay zero federal tax in 2026: FEIE vs Foreign Tax Credit strategy
US expat tax 2026: $130,000 FEIE, Foreign Tax Credit, PPT vs Bona Fide residence, state residency, self-employment tax. Step-by-step strategy for Amer...
How to actually afford US college in 2026: 529 + FAFSA + merit aid + federal loan stack
US college funding 2026: average $26K in-state public, $58K private. FAFSA SAI replaces EFC. Pell Grant up to $7,395. 529 plan tax-free. Direct Subsid...
UK Skilled Worker visa 2026: GBP 38,700 salary floor + Health/Care discount + PhD-STEM discount explained
UK Skilled Worker visa salary thresholds 2026: GBP 38,700 standard, GBP 23,200 health/care, GBP 30,960 STEM PhD and new entrants. 5-year ILR pathway c...
SIPP vs ISA vs LISA 2026: optimal UK savings order by tax band and age
UK pension and ISA priority 2026: SIPP up to GBP 60,000 with 20-45% tax relief, ISA GBP 20,000 tax-free, LISA GBP 4,000 + 25% bonus for first home. Op...