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

June 11, 2025
June 10, 2025
Explainer · Everyday

Stacked Discounts Do Not Add Up

Twenty percent off and then a further ten percent off is not thirty percent off — it is twenty-eight, because the second discount applies to the already-reduced price. The general rule, the cases where order matters, and how sales tax changes the answer.

Lena Hoffmann · 13 min read

June 9, 2025
Explainer · Everyday

Percentage Points Are Not Percent

Moving from 4% to 5% is a rise of one percentage point and a rise of twenty-five percent. Both statements are true, which is exactly why the ambiguity is so easy to exploit — and why basis points exist.

Lena Hoffmann · 14 min read

June 6, 2025
Explainer · Everyday

Leap Years: The Rule, the Exception, and the Exception to the Exception

Divisible by four, except centuries, except centuries divisible by four hundred. The three-line rule exists because the tropical year is not 365.25 days, and the arithmetic behind it explains ten deleted days in 1582 and a calendar that repeats exactly every 400 years.

Lena Hoffmann · 15 min read

Explainer · Everyday

Date Arithmetic Is Harder Than It Looks

"One month later" has no single correct answer, and every date library has had to pick one. Month addition is neither associative nor invertible, a day is not always 24 hours, and age is not days divided by 365.25.

Lena Hoffmann · 15 min read

June 5, 2025
Explainer · Finance

Annuities: What You Are Actually Buying

An annuity's price is a present value over a probability-weighted term. On a stated mortality at 4 percent, $100,000 at 65 buys $7,492 a year — 4.00 points of interest, 1.78 of returned capital and 1.71 of mortality credit.

Camille Laurent · 14 min read

June 4, 2025
Explainer · Finance

Dividend Reinvestment: What Actually Drives the Difference

Reinvesting a 3 percent yield for 30 years turns 100 shares into 242.7 and multiplies the final position by exactly that factor: $32,434 becomes $78,726. Tax at 30 percent on each dividend costs $18,223 of it — nearly two and a half times the tax actually paid.

Camille Laurent · 12 min read

June 3, 2025
Explainer · Finance

Compounding Frequency, and Where Continuous Compounding Comes From

(1 + r/n)^n rises with n but converges on e^r. At 6 percent, monthly and continuous compounding differ by $1.59 on $10,000 over a year. At 24 percent the same gap is $30.07, and over thirty years it is 7.4 percent of the balance.

Camille Laurent · 11 min read

Guide · Text

Stripping Markdown: What Plain Text Loses, and What a Regex Gets Wrong

A link becomes text with its destination deleted, a nested list loses its hierarchy, a table becomes a row of words. Then the technical half: markdown has no single spec, and a regex stripper mangles a filename, a multiplication sign and the inside of a code block — all shown against a real parser.

Daniel Okonkwo · 12 min read

June 2, 2025
Explainer · Text

What a Palindrome Checker Has to Decide Before It Can Answer

Case, whitespace, punctuation and diacritics: four policies, six real sentences, and the answer changes with each one. Then the harder half — reversing a string is itself undefined, and code-unit reversal breaks emoji and detaches accents, demonstrated in Node.

Daniel Okonkwo · 12 min read

May 30, 2025
Guide · Text

Find and Replace: The Regex Features That Bite, Demonstrated One by One

Greedy against lazy on the same string, the dot that skips newlines, $& and $$ in the replacement, a reused /g regex that silently skips a row, and why /i knows nothing about Turkish i. Every failure run in Node, with a count-then-replace routine that catches them.

Daniel Okonkwo · 14 min read

May 29, 2025