Archive
November 2026
Everything we published in November 2026.
7 articles
401(k) and IRA contribution limits 2027: $25,500 expected
2027 401(k) limits are projected at $25,500 with an $8,500 catch-up and $11,750 for ages 60–63; IRA stays near $7,500. Official 2026 figures, the Roth catch-up rule and what to do now.
8th Pay Commission latest update: status, timeline and what's decided
The 8th Pay Commission was set up on 3 November 2025 with 18 months to report, around May 2027. What is confirmed, what isn't (fitment factor, pay matrix), and when the new pay may arrive.
How much life insurance do I need? 3 ways to work it out
Most families need 10–15 times income in term life insurance, but the right number depends on debts, kids and savings. Use the DIME method, a worked example and avoid the common mistakes.
How much term insurance cover do I need? India guide (2026)
Most earners in India need term cover of 10–15 times annual income, plus loans and goals. Calculate your cover, choose the right term, check claim ratios and avoid riders you don't need.
HSA contribution limits 2027: $4,500 self-only, $9,000 family
The IRS set 2027 HSA limits at $4,500 for self-only and $9,000 for family coverage, plus a $1,000 catch-up at 55. HDHP deductible rules, deadlines and the triple tax break explained.
PMI explained: what it costs and how to get rid of it faster
Private mortgage insurance costs about 0.3%–1.5% of the loan a year when you put under 20% down. How PMI is priced, when it must end, FHA MIP rules and five ways to remove it sooner.
Social Security COLA 2027: 3.6% raise — what you'll actually get
Social Security benefits rise 3.6% in January 2027, about $75 a month on average. See your new amount, the 2027 earnings limits and tax cap, and why Medicare can shrink the raise.