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Personal Finance News 16 November 2025 - 26 November 2025

Budget 2025: How Rachel Reeves’ Income Tax Threshold Freeze Could Hit Your Pay Packet by 2030

Budget 2025: How Rachel Reeves’ Income Tax Threshold Freeze Could Hit Your Pay Packet by 2030

As Rachel Reeves delivers her high‑stakes Autumn Budget 2025 today (26 November), one measure looms larger than almost any explicit “tax rise”: a plan to freeze income tax thresholds for longer – the classic “stealth tax” that lets inflation quietly do the work. The chancellor has already ruled out breaking Labour’s manifesto pledge not to raise the rates of income…
26 November 2025
Salary sacrifice crackdown: How Rachel Reeves’ UK Budget 2025 pension tax raid could hit millions of workers

Salary sacrifice crackdown: How Rachel Reeves’ UK Budget 2025 pension tax raid could hit millions of workers

26 November 2025 Chancellor Rachel Reeves is hours away from delivering her second Budget – and one idea is dominating the headlines this morning: a clampdown on salary sacrifice for pensions that critics are already calling a “stealth tax” on workers’ retirement savings. According to multiple briefings, Reeves is expected to cap the amount of pay people can divert into…
26 November 2025
Budget 2025: Rachel Reeves to Cut Cash ISA Limit to £12,000 as Banks Launch Last-Minute Rate War

Budget 2025: Rachel Reeves to Cut Cash ISA Limit to £12,000 as Banks Launch Last-Minute Rate War

Published: Tuesday 25 November 2025 UK savers are waking up to a double shock: reports that Chancellor Rachel Reeves will slash the annual cash ISA allowance from £20,000 to £12,000 in tomorrow’s Autumn Budget, and a frantic scramble among banks to lure customers with higher ISA interest rates before the rules change. Financial Times According to multiple briefings overnight, the…
25 November 2025
Medicare 2026 Premiums Jump Nearly 10%: How Much of Your 2.8% Social Security COLA Will You Actually Keep?

Medicare 2026 Premiums Jump Nearly 10%: How Much of Your 2.8% Social Security COLA Will You Actually Keep?

As of today, November 24, 2025, the picture for retirees in 2026 is getting clearer — and more expensive. The Centers for Medicare & Medicaid Services (CMS) has confirmed that standard Medicare Part B premiums will rise nearly 10% next year, from $185.00 in 2025 to $202.90 in 2026, while the annual deductible will climb from $257 to $283. CMS…
‘Best Text Message Ever’: Albanese Government Begins 20% Student Debt Cut for 3 Million Australians – What It Means for You Today (22 November 2025)

‘Best Text Message Ever’: Albanese Government Begins 20% Student Debt Cut for 3 Million Australians – What It Means for You Today (22 November 2025)

A once‑in‑a‑generation overhaul of Australia’s student loan system is finally hitting people’s accounts, with the Albanese Government’s promised 20% cut to all HELP and other study debts officially rolling out from today. Around 100,000 Australians will see their balances drop this weekend, with about 3 million people set to share in a $16 billion wipe‑out over the next few weeks.…
Rachel Reeves’ £3–4bn ‘Pensions Tax Raid’: How a £2,000 Salary Sacrifice Cap Could Hit Your Retirement (22 November 2025)

Rachel Reeves’ £3–4bn ‘Pensions Tax Raid’: How a £2,000 Salary Sacrifice Cap Could Hit Your Retirement (22 November 2025)

On the eve of the Autumn Budget, pressure on Chancellor Rachel Reeves is intensifying over plans to clamp down on salary sacrifice pension schemes – a move now expected to raise between £3bn and £4bn a year and potentially shrink workers’ future pension pots by tens or even hundreds of thousands of pounds over a lifetime. Financial Times New briefings…
Bill Ackman’s $300 Billion Fannie Mae (FNMA) and Freddie Mac (FMCC) Plan: What It Means for Investors on November 19, 2025

Bill Ackman’s $300 Billion Fannie Mae (FNMA) and Freddie Mac (FMCC) Plan: What It Means for Investors on November 19, 2025

What Happened — and Why It Matters Today On November 18, 2025, Pershing Square Capital Management founder Bill Ackman finally pulled back the curtain on a long‑trailed proposal for mortgage giants Fannie Mae (FNMA) and Freddie Mac (FMCC). In a livestreamed presentation and subsequent media appearances, Ackman laid out a three-step restructuring plan that he claims would not only end…
Tax Season Shocker: Fewer Refunds but Bigger Payouts as New Tax Changes Loom

No Tax on Tips, Overtime and Seniors? States Push Back on Trump’s New Tax Breaks

When Congress passed President Donald Trump’s One Big Beautiful Bill Act (OBBBA) this summer, the headlines almost wrote themselves: “No tax on tips,” “no tax on overtime,” “$6,000 bonus deduction for seniors.” For millions of workers and retirees, it sounded like simple, sweeping tax relief starting with their 2025 returns. But as of Monday, November 17, 2025, a wave of…
17 November 2025
Social Security COLA 2026 and the $200 Boost Bill: How Much Your Check Could Really Rise (Update for November 17, 2025)

Social Security COLA 2026 and the $200 Boost Bill: How Much Your Check Could Really Rise (Update for November 17, 2025)

Let’s break down what’s locked in, what’s still just a proposal, and what it all means for your 2026 Social Security income as of today, November 17, 2025. 1. The 2026 COLA is official: 2.8% across Social Security and SSI On October 24, the Social Security Administration (SSA) confirmed that benefits will rise 2.8% in 2026, based on inflation as…
Most Americans Still Want to Retire at 63 — But New Social Security and 401(k) Rules Show Why That’s a Risky Move

Most Americans Still Want to Retire at 63 — But New Social Security and 401(k) Rules Show Why That’s a Risky Move

On November 17, 2025, the traditional picture of retirement in America is colliding with some hard new numbers. A recent analysis of the 2024 MassMutual Retirement Happiness Study found that retirees and pre‑retirees see 63 as the “perfect” age to leave work. The average retirement age today is about 62, right in that early‑60s window. Moneywise But zoom out to…
Social Security, SSI and Veterans Benefits to Climb 2.8% in 2026 — Can It Keep Up?

Social Security COLA 2026 and the New $200 Boost Bill: What Retirees Need to Know Today (November 17, 2025)

Published: November 17, 2025 Overview Social Security is heading into one of its most consequential years in recent memory. A 2.8% cost‑of‑living adjustment (COLA) for 2026 is now official, and Democrats in the Senate are pushing a new Social Security Emergency Inflation Relief Act that could temporarily add $200 a month to millions of benefit checks in the first half…
Zillow Stock Soars on Rental Boom and AI Buzz: Latest Earnings, Analyst Takes, and 2025 Outlook

Zillow Raises Red Flag: Hidden Homeownership Costs Near $16,000 As Mortgage Rates Hold Around 6.3%

The American dream of owning a home just got more expensive. As of Sunday, November 16, 2025, new data from Zillow and Thumbtack show that the “hidden” costs of homeownership now average $15,979 per year nationwide — about $1,325 a month on top of the mortgage payment, rising faster than household incomes.  Zillow Group Investors At the same time, 30‑year fixed mortgage rates are hovering around…

Stock Market Today

  • NRG Energy Stock Seen Undervalued Amid Year-Long Volatility
    January 27, 2026, 7:41 AM EST. NRG Energy's stock closed at $149.93, down 1.4% over seven days and 9.8% year-to-date, after a 55.9% gain in the past year. The U.S. utility giant shows mixed signals as investors reassess its retail power business amid sector shifts. A Discounted Cash Flow (DCF) analysis estimates an intrinsic value of $585.15 per share, suggesting the stock may be undervalued by about 74%. NRG's price-to-earnings (P/E) ratio stands at 20.9, roughly in line with its industry peers. While recent pullbacks challenge short-term sentiment, long-term holders have seen strong returns. Valuation ratings indicate a moderate 3 out of 6, pointing to selective attractiveness within NRG's business segments.
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