S

Shira Katz

Personal Finance Writer

395 Articles

About Shira

Shira covers personal finance with a bias for concrete numbers: what a change in rates, tariffs or energy prices actually does to a monthly budget. She is skeptical of miracle savings claims and tries to say plainly when an effect is too small to matter. Her goal is that readers finish a piece knowing what, if anything, to do next.

Areas of Expertise

Household budgeting savings credit consumer costs

Latest Articles

Passive Income Strategy: Five Stocks Paying Monthly Dividends Through Year-End
Personal Finance

Passive Income Strategy: Five Stocks Paying Monthly Dividends Through Year-End

A selection of stocks from Boerse Online's current issue offers monthly payouts from August to December, showing how com...

Shira Katz 👁 32 💬 0
NRIs Selling Under-Construction Property: The Allotment Date That Saves Tax
Personal Finance

NRIs Selling Under-Construction Property: The Allotment Date That Saves Tax

Get the date of purchase wrong and a long-term capital gain can become short-term, costing far more tax. Here’s why Indi...

Shira Katz 👁 38 💬 0
A market columnist's rules for crypto beginners: Start small, never use margin, and take profits early
Personal Finance

A market columnist's rules for crypto beginners: Start small, never use margin, and take profits early

Financial columnist and author Michael Sincere lays out pragmatic risk-management rules for new crypto traders, urging t...

Shira Katz 👁 31 💬 0
Crypto Airdrops: How to Claim Free Tokens – and the Real Risks to Know
Personal Finance

Crypto Airdrops: How to Claim Free Tokens – and the Real Risks to Know

Crypto projects are giving away tokens to attract users, but free coins carry hidden dangers including pump-and-dump sch...

Shira Katz 👁 35 💬 0
Elon Musk’s X Launches ‘X Money’ with 6% Deposit Yield and Visa Debit Card
Personal Finance

Elon Musk’s X Launches ‘X Money’ with 6% Deposit Yield and Visa Debit Card

Social media platform X (formerly Twitter) is rolling out a invite‑only digital wallet and payments service that pays 6%...

Shira Katz 👁 32 💬 0
Tax Return 2025: Penalties and Pitfalls If You Miss the July 31 Deadline
Personal Finance

Tax Return 2025: Penalties and Pitfalls If You Miss the July 31 Deadline

German taxpayers who fail to file their 2025 return on time face a minimum €25 monthly late fee, potential interest on u...

Shira Katz 👁 32 💬 0
French salary increases fall to 2% in 2026, lowest since 2021, as companies switch to targeted raises
Personal Finance

French salary increases fall to 2% in 2026, lowest since 2021, as companies switch to targeted raises

Mercer France’s annual NAO survey shows median base salary increase budgets at just 2% for 2026, trailing inflation. Emp...

Shira Katz 👁 40 💬 0
FGTS Profit: Who Gets a Share and How to Check Your Credit
Personal Finance

FGTS Profit: Who Gets a Share and How to Check Your Credit

Caixa begins distributing R$13.04 billion in FGTS profits on July 31, benefiting 138.2 million workers. Find out if you ...

Shira Katz 👁 33 💬 0
Manipal Health IPO: Mixed Broker Views on Valuation vs. Debt Cut
Personal Finance

Manipal Health IPO: Mixed Broker Views on Valuation vs. Debt Cut

Brokerages are split on Manipal Health's ₹9,275 cr IPO, offering long-term value via debt reduction but aggressive prici...

Shira Katz 👁 34 💬 0
Insurers Activate Wildfire Protocols as Fires Hit Madrid, Ávila and Toledo: Your Coverage Checklist
Personal Finance

Insurers Activate Wildfire Protocols as Fires Hit Madrid, Ávila and Toledo: Your Coverage Checklist

As wildfires sweep through central Spain, Mapfre, Mutua, Allianz and others are on the ground. Here's what your home, au...

Shira Katz 👁 32 💬 0
Brazil Extends Desenrola 2.0 Debt Renegotiation Deadline to August 31
Personal Finance

Brazil Extends Desenrola 2.0 Debt Renegotiation Deadline to August 31

The extension gives low-income families until the end of August to restructure overdue debts with discounts of up to 90%...

Shira Katz 👁 31 💬 0
Russian Watermelon Prices Up 39%, Melons 42% as Acreage Shrinks and Imports Surge
Personal Finance

Russian Watermelon Prices Up 39%, Melons 42% as Acreage Shrinks and Imports Surge

Russian consumers are paying 39% more for watermelons and 42% more for melons than a year ago, with a 20% drop in domest...

Shira Katz 👁 34 💬 0
Elon Musk's X Launches X Money Account with 6% Yield, Visa Card, and Real-Time Transfers
Personal Finance

Elon Musk's X Launches X Money Account with 6% Yield, Visa Card, and Real-Time Transfers

The invite-only service, built on Cross River Bank's infrastructure, offers high-yield savings and cashback — but only t...

Shira Katz 👁 33 💬 0
MyETF Launches Platform to Let Spanish Investors Trade ETFs Without Immediate Tax Bite
Personal Finance

MyETF Launches Platform to Let Spanish Investors Trade ETFs Without Immediate Tax Bite

Spanish startup MyETF uses a unit-linked life insurance structure to allow ETF switching free of capital gains tax, aimi...

Shira Katz 👁 32 💬 0
The $2.3 Million Portfolio and the Adviser’s Hedge Strategy That Worried the Moneyist
Personal Finance

The $2.3 Million Portfolio and the Adviser’s Hedge Strategy That Worried the Moneyist

A near-retiree questions a financial adviser pushing a flexible withdrawal plan and a proprietary equity hedge, raising ...

Shira Katz 👁 27 💬 0
finanzen.net ZERO Retains Stiftung Warentest 'Cost Winner' Title, Touts Up to €814 in Annual Savings
Personal Finance

finanzen.net ZERO Retains Stiftung Warentest 'Cost Winner' Title, Touts Up to €814 in Annual Savings

Germany's consumer watchdog again crowns the brokerage as the cheapest option, flagging zero depot and order fees – but ...

Shira Katz 👁 28 💬 0
Private Banks Collect Rs 4,949 cr in FY26 Minimum Balance Charges, HDFC Leads
Personal Finance

Private Banks Collect Rs 4,949 cr in FY26 Minimum Balance Charges, HDFC Leads

Private banks earned Rs 4,949 crore in FY26 from minimum balance penalties, double PSBs' figure. HDFC Bank and Axis Bank...

Shira Katz 👁 24 💬 0
How Your Retirement Age Drives Lifetime Healthcare Costs — and What to Do About It
Personal Finance

How Your Retirement Age Drives Lifetime Healthcare Costs — and What to Do About It

New data shows retiring at 60 can boost out-of-pocket health expenses by 59% versus waiting until 65. Delaying to 70 cut...

Shira Katz 👁 41 💬 0
Samsung Galaxy S26 at 38% Off: A €384 Saving on the Flagship Phone
Personal Finance

Samsung Galaxy S26 at 38% Off: A €384 Saving on the Flagship Phone

A retailer is offering the Samsung Galaxy S26 with a steep 38% discount. Here's what the phone includes and what buyers ...

Shira Katz 👁 28 💬 0
How a 2002 €1 Million Prize Shrunk to Under €400,000—Unless You Invested It
Personal Finance

How a 2002 €1 Million Prize Shrunk to Under €400,000—Unless You Invested It

A Vanguard analysis shows that a “Wer wird Millionär?” jackpot from 2002 lost over 60% of its purchasing power by 2025. ...

Shira Katz 👁 27 💬 0
EPFO's New Aadhaar-Based Portal Helps Trace Forgotten PF Accounts — Here's How
Personal Finance

EPFO's New Aadhaar-Based Portal Helps Trace Forgotten PF Accounts — Here's How

India's EPFO has launched a digital platform that lets members use Aadhaar authentication to track old provident fund ac...

Shira Katz 👁 121 💬 0
France to Double Annual Medical Deductible Caps, Raising Patient Costs to €200 per Year
Personal Finance

France to Double Annual Medical Deductible Caps, Raising Patient Costs to €200 per Year

The French government will double the annual caps on medical deductibles and fixed participation fees from 50 to 100 eur...

Shira Katz 👁 44 💬 0
How a ₹25,000 Monthly Salary Can Build a ₹1 Crore EPF Retirement Corpus
Personal Finance

How a ₹25,000 Monthly Salary Can Build a ₹1 Crore EPF Retirement Corpus

A simple EPF calculator illustration shows that a 30-year-old with a ₹25,000 basic salary could accumulate over ₹1 crore...

Shira Katz 👁 38 💬 0
Income Tax Refund Delays: 5 Reasons Your AY 2026-27 Refund May Be Stuck
Personal Finance

Income Tax Refund Delays: 5 Reasons Your AY 2026-27 Refund May Be Stuck

Incorrect bank details, PAN issues, e-verification gaps, and mismatches with Form 26AS are among the most common trigger...

Shira Katz 👁 33 💬 0
Bank of Baroda Data Leak: What Every Customer Should Do Now
Personal Finance

Bank of Baroda Data Leak: What Every Customer Should Do Now

Bank of Baroda data leak exposes over 1TB of customer records, including names, phone numbers, Aadhaar details and loan ...

Shira Katz 👁 28 💬 0
Brokerage Fees That Quietly Destroy Returns: What Every Polish Investor Misses
Personal Finance

Brokerage Fees That Quietly Destroy Returns: What Every Polish Investor Misses

Commissions are the least of your worries. Hidden FX spreads, fund TER, dormancy fees and a new asset tax can strip over...

Shira Katz 👁 39 💬 0
App Lags Costing You Trades? A Guide to Choosing a Better Trading Platform
Personal Finance

App Lags Costing You Trades? A Guide to Choosing a Better Trading Platform

As retail trading volumes surge, split-second execution becomes critical. Here’s what to look for in a trading app to av...

Shira Katz 👁 29 💬 0
Egypt's Subsidy Overhaul: Steps for the 850,000 Who Got 'Not Eligible' on Their Ration Cards
Personal Finance

Egypt's Subsidy Overhaul: Steps for the 850,000 Who Got 'Not Eligible' on Their Ration Cards

As Egypt prepares to launch a new subsidised bread and supply system in August, the Ministry of Supply details how the 8...

Shira Katz 👁 29 💬 0
PM Burnham: No Stamp Duty Adjustments in Next Budget
Personal Finance

PM Burnham: No Stamp Duty Adjustments in Next Budget

British Prime Minister Andy Burnham confirmed the government will not alter stamp duty land tax in the upcoming budget, ...

Shira Katz 👁 28 💬 0
SEBI Proposes Mutual Fund-Only PMS with Rs 25 Lakh Entry for India’s Underserved Investors
Personal Finance

SEBI Proposes Mutual Fund-Only PMS with Rs 25 Lakh Entry for India’s Underserved Investors

A new regulatory framework aims to bridge the gap between do-it-yourself mutual fund investing and high-ticket portfolio...

Shira Katz 👁 42 💬 0