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Clear explanations with worked examples, written to help you use the tools well and understand the numbers behind them.
Offset account vs extra repayments: how each saves interest
How mortgage offset accounts work with daily interest, why they can save as much as extra repayments, how redraw differs, and a worked Australian example.
FeaturedHow mortgage amortization works (with a worked example)
Learn the amortization formula, see a $320,000 30-year mortgage worked through month by month, and find out how extra payments change the schedule.
All articles
- Business automation
Speed to lead: how to automate fast follow-up without losing the personal touch
Why fast lead follow-up matters, how to build a missed-call text-back and instant response workflow, message templates, and consent points to check first.
- SEO and AI search
Robots.txt and AI crawlers: how it works and what to allow
How robots.txt works, its syntax and limits, how to test it, and the documented user agents for AI crawlers such as GPTBot, ClaudeBot and Google-Extended.
- Marketing
UTM parameters: a practical guide to tagging campaign links
What each UTM parameter means, how to build a consistent naming convention, examples for email, social and ads, common mistakes, and how UTMs show in GA4.
- Calculation examples
Margin vs markup: the difference and how to convert between them
Clear definitions of profit margin and markup, the formulas to convert between them, worked pricing examples and the mistakes that quietly cut profit.
- Calculation examples
Compound interest explained: formulas, frequency and worked examples
Learn the compound interest formula, how compounding frequency and regular contributions change results, the rule of 72, and inflation, with worked examples.
- Australian home loans
Stamp duty in Australia: the basics every buyer should know
What transfer (stamp) duty is, why it differs by state and territory, how first home buyer and owner-occupier concessions work, with official examples.
- Australian home loans
Fortnightly vs monthly home loan repayments in Australia
Why paying half your monthly repayment every fortnight can shorten a home loan, how that differs from true fortnightly repayments, with a $500,000 example.
- Australian home loans
Offset account vs extra repayments: how each saves interest
How mortgage offset accounts work with daily interest, why they can save as much as extra repayments, how redraw differs, and a worked Australian example.
- US mortgages
PMI explained: what it costs and when it ends
What private mortgage insurance is, how it is priced, the 80% and 78% cancellation rules for conventional loans, and a worked example of when PMI can end.
- US mortgages
How mortgage amortization works (with a worked example)
Learn the amortization formula, see a $320,000 30-year mortgage worked through month by month, and find out how extra payments change the schedule.