Guides & explainers

The reasoning behind the tools. How percentages actually work, what a loan really costs, why BMI misleads, and how to pick a password that holds up. Written to answer the question, then get out of the way.

How to Settle Up After a Group Trip Without Falling Out Money

How to Settle Up After a Group Trip Without Falling Out

The arithmetic is simple. The arguments come from splitting things evenly that were not shared evenly, and from leaving it too long.

The Expensive Thing Is Often the Cheap One Money

The Expensive Thing Is Often the Cheap One

Price is what you pay once. Cost is what you pay per use. The two frequently point in opposite directions, and only one of them matters.

What Overtime Is Actually Worth Money

What Overtime Is Actually Worth

The multiplier applies to the whole hour, entitlement depends on your contract rather than staying late, and it is not taxed at a special rate.

Why a 30% Return Might Be a Bad One Money

Why a 30% Return Might Be a Bad One

A total return without a time period is close to meaningless. The same 30% is excellent over a year and below inflation over ten.

Why Your Broadband Is Slower Than You Paid For Guides

Why Your Broadband Is Slower Than You Paid For

Most of the gap is one unit conversion. Connections are sold in megabits and files are measured in megabytes, and there are eight bits in a byte.

You Probably Should Not Test Your One Rep Max Health

You Probably Should Not Test Your One Rep Max

A true max attempt is high risk, disruptive and rarely necessary. An estimate from a hard set of five is safer and good enough for programming.

How to Redact Something So It Stays Redacted Security

How to Redact Something So It Stays Redacted

Black boxes in PDFs and documents are famously recoverable. Pixelated text has been brute-forced. Here's what actually removes information.

Why Most People Train in the Wrong Zone Health

Why Most People Train in the Wrong Zone

Zone 3 feels productive and builds neither endurance nor speed. The 80/20 pattern, why 220-minus-age is weak, and what each zone is actually for.

Which Appliances Actually Cost You Money Home

Which Appliances Actually Cost You Money

Unplugging chargers saves about £2 a year. The tumble dryer costs £130. Here's where household electricity actually goes, with the arithmetic.

What Your Browser Tells Every Site You Visit Security

What Your Browser Tells Every Site You Visit

Fingerprinting identifies you without cookies, survives private browsing, and can't be cleared. Here's what's exposed, and why hardening often backfires.

What Your Photos Give Away When You Share Them Security

What Your Photos Give Away When You Share Them

Every phone photo can carry the exact coordinates where it was taken. Here's what's inside the file, who strips it, and how to check before you post.

How to Write So People Actually Read It Guides

How to Write So People Actually Read It

Long sentences are the single biggest cause of unreadable writing. Here's what readability scores measure, what they miss, and the five fixes that work.

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