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Explanations, guides and things worth knowing — some next to a calculator, some standing entirely on their own.
What a rate change does to your mortgage payment
Central banks move rates in quarter points, and lenders pass them on in steps that look small on paper. Here is what each step is actually worth on a monthly payment, and why two borrowers with the same mortgage feel the...
12 September 2026 · Michael Johnson
How much can I borrow, and what does a lender actually count?
The number a lender will give you is not your salary times four. It is a payment they think you can still afford if rate...
12 September 2026 · Michael Johnson
Fixed or variable: how to choose the way your rate is set
The choice is not a forecast about rates. It is a question about how much a known payment is worth to your household, an...
12 September 2026 · Michael JohnsonBrowse by category
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Some explain a question behind a calculator: which number belongs where, which rule applies to you, what the answer means. Others stand on their own and have nothing to do with a calculator. Either way, the arithmetic itself stays on the calculator pages — an article only ever explains, it never computes.
The 2026 IRS standard mileage rate, and the mid-year raise nobody expected
The IRS set the 2026 mileage rates in December as usual — then changed the business and medical rates again in...
The enhanced ACA subsidies expired for 2026 — here is what changed in your premium
The enhanced ACA premium tax credit was always temporary, and it lapsed on schedule at the end of 2025. Here i...
The 2026 adoption tax credit: the new maximum, and who the phase-out reaches
A 2025 law made part of the adoption tax credit refundable for the first time ever, worth up to $5,120 in 2026...
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