Questions our own tools can answer with a real number, answered with the real number — and a few where the honest answer is that the number everyone repeats was made up.
What an applicant tracking system actually does with your resume
The “75% of resumes are rejected by ATS” claim came from a 2012 sales pitch by a company selling the fix. What these systems really are, and the three things that actually cost you.
28 August 2026 · 7 min
How to tailor a resume to a job description without lying
Where tailoring stops and inventing starts, why AI tools drift across that line without telling you, and a practical order of operations.
28 August 2026 · 6 min
Switching to biweekly payments partway through a mortgage
Every calculator assumes you start on day one. Almost nobody does. What the switch is worth in year 5, 10 or 15 — and why the benefit is the 13th payment, not more frequent compounding.
28 August 2026 · 6 min
When does a mortgage start paying more principal than interest?
Later than almost anyone expects — month 233 on a 30-year loan at 6.5%. Why it takes so long, and the one thing that actually moves it.
28 August 2026 · 5 min
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