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Shira Katz

Personal Finance Writer

439 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

Stainless Steel Utensils 7.1% Costlier in June, More Hikes Expected as Metal Prices Stay Firm
Personal Finance

Stainless Steel Utensils 7.1% Costlier in June, More Hikes Expected as Metal Prices Stay Firm

Prices of stainless steel utensils, pressure cookers and non-stick cookware jumped in June, pushed by surging global nic...

Shira Katz 👁 70 💬 0
Why TIPS and Income Annuities Are the Overlooked Cornerstones of Retirement Investing
Personal Finance

Why TIPS and Income Annuities Are the Overlooked Cornerstones of Retirement Investing

Financial commentator Brett Arends argues that Treasury Inflation-Protected Securities and immediate annuities with annu...

Shira Katz 👁 41 💬 0
Chase Sapphire Reserve Holders Eligible for Sapphire Preferred 100K Welcome Bonus Before July 30
Personal Finance

Chase Sapphire Reserve Holders Eligible for Sapphire Preferred 100K Welcome Bonus Before July 30

Chase Sapphire Reserve cardholders may qualify for the Sapphire Preferred’s 100,000-point welcome bonus, worth up to $2,...

Shira Katz 👁 38 💬 0
NYC's Affordability Squeeze and the Coming Congestion Charge: A Financial Reality Check
Personal Finance

NYC's Affordability Squeeze and the Coming Congestion Charge: A Financial Reality Check

With Brooklyn’s median rent surpassing $3,600 against incomes of just $33,000, and Manhattan congestion pricing set to b...

Shira Katz 👁 47 💬 0
Inside a Solid-Gold Rolex: The Real Gold Content and What You Actually Pay For
Personal Finance

Inside a Solid-Gold Rolex: The Real Gold Content and What You Actually Pay For

An estimated $15,000 of gold hides inside a $50,900 Rolex Submariner. But watchmakers rarely disclose it, and the true v...

Shira Katz 👁 59 💬 0
How to Stop Panic Selling Your ETFs: The Case for Automating Your Investment Plan
Personal Finance

How to Stop Panic Selling Your ETFs: The Case for Automating Your Investment Plan

Emotional decisions, especially panic selling, cost retail investors far more than market downturns. Tools that automate...

Shira Katz 👁 50 💬 0
How a Loan Calculator Exposes the Hidden Cost of Long Repayment Terms
Personal Finance

How a Loan Calculator Exposes the Hidden Cost of Long Repayment Terms

A simple tool can show you exactly how much more interest you pay when you stretch a loan over extra years, and why the ...

Shira Katz 👁 42 💬 0
Nasser Social Bank and Egypt Post Partner to Streamline Pension Payouts and Expand Banking Access
Personal Finance

Nasser Social Bank and Egypt Post Partner to Streamline Pension Payouts and Expand Banking Access

The deal lets pensioners collect payments and apply for services through Egypt’s sprawling post office network, while of...

Shira Katz 👁 47 💬 0
Why missing the 31 July ITR deadline can cost you more than a late fee
Personal Finance

Why missing the 31 July ITR deadline can cost you more than a late fee

Filing after the deadline means losing the ability to carry forward capital losses, along with late fees and interest. H...

Shira Katz 👁 42 💬 0
My Car Was Stolen in Three Minutes. The Paperwork Took Nearly Six Months.
Personal Finance

My Car Was Stolen in Three Minutes. The Paperwork Took Nearly Six Months.

A weekend-evening theft of a Toyota Corolla in Warsaw kicked off a months-long ordeal of police visits, confusing paperw...

Shira Katz 👁 46 💬 0
How Index Funds Can Simplify Investing — Even in Shaky Markets
Personal Finance

How Index Funds Can Simplify Investing — Even in Shaky Markets

Index funds offer a low-cost, hands-off way to build wealth over the long term. Here's what beginners need to know about...

Shira Katz 👁 57 💬 0
SSI Program Streamlines Services, Appoints New Head to Cut Payment Errors and Delays
Personal Finance

SSI Program Streamlines Services, Appoints New Head to Cut Payment Errors and Delays

The Social Security Administration announced operational changes to Supplemental Security Income, including a dedicated ...

Shira Katz 👁 39 💬 0
How One Homebuyer Used an App to Land a 6‑Bedroom House That Wasn’t for Sale
Personal Finance

How One Homebuyer Used an App to Land a 6‑Bedroom House That Wasn’t for Sale

A retired Air Force officer turned to Unlisted, a platform that lets buyers connect directly with homeowners, and closed...

Shira Katz 👁 47 💬 0
Top Corporate Bond Funds for November 2024: Safety in a Persistent Rate Environment
Personal Finance

Top Corporate Bond Funds for November 2024: Safety in a Persistent Rate Environment

ETMutualFunds lists recommended corporate bond funds for short-term goals in November 2024 as the RBI stays cautious on ...

Shira Katz 👁 43 💬 0
ÖKOWORLD's New Fund Targets Under-the-Radar EM Small-Caps Riding Middle Class Growth
Personal Finance

ÖKOWORLD's New Fund Targets Under-the-Radar EM Small-Caps Riding Middle Class Growth

The ÖKOWORLD Growing Markets 2.0 fund, managed by Michael Molter, concentrates on smaller emerging-market companies pois...

Shira Katz 👁 45 💬 0
FIRE Investors’ Tech-Heavy Portfolios Face a Generational Bear Market Risk, Warns Advisor
Personal Finance

FIRE Investors’ Tech-Heavy Portfolios Face a Generational Bear Market Risk, Warns Advisor

The FIRE movement’s aggressive equity bets have left retirement accounts heavily concentrated in overvalued technology s...

Shira Katz 👁 47 💬 0
What You Actually Own When You 'Invest in Oil'
Personal Finance

What You Actually Own When You 'Invest in Oil'

Oil exposure comes in many forms, from Big Oil dividends to leveraged derivatives. Understanding what drives the price—a...

Shira Katz 👁 49 💬 0
India’s Presumptive Tax Scheme: When Simplification Triggers an Audit Instead
Personal Finance

India’s Presumptive Tax Scheme: When Simplification Triggers an Audit Instead

Freelancers, doctors and small businesses using India's presumptive taxation regime to skip detailed bookkeeping may fac...

Shira Katz 👁 37 💬 0
How to Build an ETF Portfolio in 2025: Strategies, Trends and Hidden Risks
Personal Finance

How to Build an ETF Portfolio in 2025: Strategies, Trends and Hidden Risks

Active ETFs are surging while ESG flows falter, but German investors must watch for dangerous overlaps in their portfoli...

Shira Katz 👁 63 💬 0
Expert Reveals How to Secure Russia's 36,000-Ruble Long-Term Savings Top-Up
Personal Finance

Expert Reveals How to Secure Russia's 36,000-Ruble Long-Term Savings Top-Up

Only 45% of participants in the Long-Term Savings Program receive the maximum annual state co-financing of 36,000 rubles...

Shira Katz 👁 41 💬 0
How Single Retirees Can Build a Financially Secure Future
Personal Finance

How Single Retirees Can Build a Financially Secure Future

Nearly 4 in 10 prime-age adults are single—here's what that shift means for retirement planning, from emergency savings ...

Shira Katz 👁 57 💬 0
Egypt Expands Ration Card Data Update to 500 Post Offices, Eases Subsidy Appeals
Personal Finance

Egypt Expands Ration Card Data Update to 500 Post Offices, Eases Subsidy Appeals

Starting Friday 24 July, Egypt's Ministry of Supply will let citizens update ration card data at 500 post offices nation...

Shira Katz 👁 45 💬 0
AI Investment Tools Promise Quick Answers, but Experts Warn of Serious Flaws
Personal Finance

AI Investment Tools Promise Quick Answers, but Experts Warn of Serious Flaws

Consumer advocates say AI chatbots and robo-advisors can explain investing basics and cut costs, but the advice is often...

Shira Katz 👁 65 💬 0
Spain Plans Pension Cuts Up to 21% for Early Retirees With Under 38 Years of Contributions
Personal Finance

Spain Plans Pension Cuts Up to 21% for Early Retirees With Under 38 Years of Contributions

New social security coefficients penalize workers who voluntarily retire before the legal age, with reductions tied to c...

Shira Katz 👁 52 💬 0
July 22 Fuel Prices: Madrid, Barcelona and Valencia — Where to Save at the Pump
Personal Finance

July 22 Fuel Prices: Madrid, Barcelona and Valencia — Where to Save at the Pump

A snapshot of gasoline 95 E5 and diesel A prices in Spain's three largest cities on 22 July 2026, with a look at the for...

Shira Katz 👁 57 💬 0
Electricity Switching in Germany Saves Households Up to €280—But Watch for Bonus Traps
Personal Finance

Electricity Switching in Germany Saves Households Up to €280—But Watch for Bonus Traps

Nearly one-third of German homes are on expensive basic supply tariffs. Data from Finanztip shows a three-person househo...

Shira Katz 👁 49 💬 0
How Unmarried Couples in Poland Can Protect Finances After Cohabitation Law Veto
Personal Finance

How Unmarried Couples in Poland Can Protect Finances After Cohabitation Law Veto

Poland’s president vetoed a bill that would have given unmarried partners legal rights. Without marriage, cohabiting cou...

Shira Katz 👁 47 💬 0
Munich Still Germany's Priciest Rental Market at €23.70 per Square Metre
Personal Finance

Munich Still Germany's Priciest Rental Market at €23.70 per Square Metre

Rents in Munich averaged €23.70/m² in Q2 2026, more than double Leipzig's €10.50, as the IfW Kiel reveals divergent pric...

Shira Katz 👁 53 💬 0
Dismissal Protection in Germany: How Employees Can Fight an Unfair Termination and Secure Back Pay
Personal Finance

Dismissal Protection in Germany: How Employees Can Fight an Unfair Termination and Secure Back Pay

Facing a dismissal in Germany? Learn the rules of the Kündigungsschutzklage, from filing deadlines to the job-hunt dutie...

Shira Katz 👁 53 💬 0
Morningstar Names Antero, Lennar, and Nvidia Its Top New Buys for Q3 2026
Personal Finance

Morningstar Names Antero, Lennar, and Nvidia Its Top New Buys for Q3 2026

The research firm sees natural gas, homebuilding, and AI chip names trading below fair value as the third quarter kicks ...

Shira Katz 👁 57 💬 0