3tej Blog - Page 8
129 guides on personal finance, taxes, real estate, investing, and health.
UK Stamp Duty for non-residents and second homes 2026: how the 5% HRAD + 2% surcharge stack
UK SDLT 2026 for non-residents and second homes: 5% HRAD (raised from 3% in October 2024) + 2% non-resident surcharge. Stacks on top of standard rates...
UK mortgage affordability 2026: how 4.5x LTI cap works + ways to push it to 5.5x or 6x
UK mortgage affordability 2026: Loan-to-Income (LTI) cap of 4.5x standard, 5.5x with new lenders (Halifax, Skipton). PRA stress test at 8% rate. SDLT ...
UAE Golden Visa 2026: 6 eligibility paths ranked by speed and minimum investment
UAE Golden Visa 2026 eligibility: 6 paths (investor, entrepreneur, talent, scientist, student, pioneer). Real estate AED 2M, talent salary AED 30-50K/...
How to calculate UAE end-of-service gratuity in 2026: step-by-step for limited and unlimited contracts
UAE end-of-service gratuity under Federal Decree-Law 33 of 2021. 21 days basic for first 5 years, 30 days after, 2-year cap. Limited vs unlimited, res...
Term vs whole life insurance 2026: 5-country comparison + when whole life actually wins
Term life insurance 2026 costs $250/yr for a healthy 30-year-old male with $500K coverage. Whole life is 10-15x that. Buy term and invest the differen...
Should I relocate? 2026 decision matrix for cross-city and cross-country moves
Decision matrix for relocating 2026. Financial + tax + lifestyle + family scoring. Bangalore to Dubai 50% tax-free savings boost. SF to Austin 30% cos...