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Guides & tutorials

Practical guides, how-tos and comparisons to get the most out of our free online tools.

July 2, 2025
Guide · Text

Markdown Task Lists and What Actually Renders Where

Task lists are not in CommonMark. They are a GitHub Flavored Markdown extension, which is why the same file shows checkboxes in one place and literal brackets in another. The exact marker rule, what nesting does, and a table of what is CommonMark, what is GFM and what is neither — checked against both specs and four renderers.

Daniel Okonkwo · 11 min read

July 1, 2025
Explainer · Text

Where a Line May Break: The Unicode Algorithm Behind Every Wrapped Paragraph

"Break at spaces" fails in most of the world's writing systems. UAX #14 gives every character a line-break class; we looked ours up in Unicode 17.0.0 and ran a conforming implementation over no-break spaces, soft hyphens, zero-width spaces, URLs, Japanese and Thai.

Daniel Okonkwo · 13 min read

June 30, 2025
June 27, 2025
June 26, 2025
Explainer · Finance

Paying Off a Loan Early: What Actually Changes

An overpayment earns exactly the loan's rate, risk-free and after tax. On $200,000 at 5.00 percent over 25 years, $20,000 paid at the start saves $42,092 of interest; the same sum at year 16 saves $11,088; applied to the payment instead of the term it saves only $15,075.

Camille Laurent · 17 min read

June 25, 2025
Explainer · Finance

Price Return, Total Return and Yield Are Three Different Numbers

The index quoted in the news is almost always a price index. At 5 percent price growth and a 2.5 percent reinvested yield, 30 years turn $10,000 into $43,219 on price and $90,656 on total return — the price measure misses 58.8 percent of the gain.

Camille Laurent · 13 min read

June 24, 2025
Explainer · Finance

Tax-Equivalent Yield: Comparing a Tax-Free Bond With a Taxable One

Taxable-equivalent yield = tax-free yield ÷ (1 − marginal rate). A 3.00 percent tax-free yield is worth 3.85 percent at a 22 percent marginal rate and 5.07 percent at 40.8 percent. The trap is that it is the marginal rate, surtaxes and social levies included — leaving them out costs 0.85 points of yield.

Camille Laurent · 15 min read

June 23, 2025