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Guides

Plain-language guides

How the rules behind our tools actually work: pay and holidays, resumes, PDFs, printing, grades, home projects and dates. Every guide names its sources and links to a free tool that does the sum for you.

Work and pay

Hours, overtime, holiday and end-of-service pay, explained from the rules.

Full retirement age explained

Why US full retirement age moved from 65 to 67, how the regulation's birth-date bands and the January 1 rule work, how the early and late percentages are built, why survivors differ, and the UK timetable.

How to convert minutes to decimal hours

Decimal hours are minutes divided by 60, added to the whole hours. Learn the values that come out exact, the ones that repeat, how to round without short-changing anyone, and what 29 CFR 785.48 says about clock rounding.

Military time explained

Military time numbers the hours of the day from 00 to 23, so there is no AM or PM. For afternoon times add 12; for times from 1300 take 12 away. Midnight is 0000 at the start of a day and can be 2400 at the end.

Resumes and job search

Resumes, CVs and cover letters that people and hiring software can read.

PDFs and documents

Shrinking, protecting and redacting files safely.

How to redact a PDF properly

A black rectangle hides text from the eye, not from copy and paste. Proper redaction removes the words from the file and cleans out the metadata. Here is how to do it and check it.

How to reduce a PDF's file size

Most of a big PDF is pictures. Shrink the pictures to the size they are actually shown at and the file drops sharply. Here is the arithmetic, the limits you are aiming for, and what not to do.

PDF passwords explained

An open password encrypts the file so nobody can read it without the password. A permissions password only asks software to block printing or copying, and not all software obeys. Here is how each works.

Printing and calendars

Paper sizes, true-to-size printing and how calendars count weeks.

School and grades

GPA, weighted grades and the maths behind them.

Everyday sums

Tips, splitting bills and other quick sums, done right.

How to calculate a tip

Turn the tip percentage into a decimal and multiply it by the pre-tax bill. Mental shortcuts for any percentage, fair ways to share a tip, and sourced US and UK customs.

Home projects

Measuring and estimating materials before you buy.

How to calculate cubic yards

Multiply length, width and depth in feet, then divide by 27. The depth-in-inches shortcut, round holes, metric conversions and the mistakes that make orders come up short.

How to calculate square footage

Length times width for rectangles, split or subtract for L-shapes, half base times height for triangles, pi r squared for circles, and the exact NIST factors for square inches, yards and meters.

How to find roof pitch

Pitch is inches of rise per 12 inches of level run. How to measure it without walking on the roof, convert it to degrees and percent, and use the multiplier for roof area and rafters.

Dates and age

Counting ages, days and working days without mistakes.

Dog years explained

Dogs age fast at first and slower later, so a single multiplier fails. The 15, 9 and then about 5 rule, the AVMA chart, size differences, and the epigenetic clock formula from Cell Systems.

Generation years explained

Who draws the generation lines, why only the Baby Boom has natural edges, how Pew chose 1996 as the last Millennial year, where Gen Alpha comes from, and how to use the labels without misleading.

How business days are counted

Working days explained: weekends that differ by country, holidays that move when they fall on a weekend, and the inclusive versus exclusive counting that trips people up.