If you’re a high-income earner chasing the tax-free growth of a Roth IRA, you’ve probably run into those IRS income limits. That’s where the backdoor Roth conversion comes in, a legal workaround that funnels after-tax money into a traditional IRA and then converts it into a Roth. But here’s the snag: the pro rata rule. … Read more
In today’s business world, tracking how long employees have been with your company isn’t just paperwork, it’s key for HR, payroll, and workforce planning. Whether you’re figuring out vacation accruals, checking eligibility for retirement benefits, or preparing a loyalty bonus, you’ll need a reliable way to calculate years of service in Excel. The good news? … Read more
If you’ve ever been involved in a personal injury settlement, you know that the money doesn’t all go straight into your pocket. There are liens, claims from Medicare, Medicaid, private health insurers, or even workers’ compensation providers, waiting to be paid. That’s where pro rata lien resolution comes in. In simple terms, it’s a way … Read more
In today’s data-driven world, knowing how to calculate ratio in Excel is one of those skills that pays off in almost every field. Whether you’re crunching financial ratios like debt-to-equity, checking inventory ratios for stock control, analyzing employee-to-manager ratios in HR, or even scaling recipe ratios in cooking, Excel makes it quick and simple. Now, … Read more
If you’ve ever sat down with a math textbook, an engineering assignment, or prep material for exams like the SAT, ACT, or Fundamentals of Engineering (FE), you’ve probably asked: Is the TI-36X Pro a graphing calculator? Here’s the quick answer: No. The TI-36X Pro is not a graphing calculator. It’s an advanced scientific calculator made … Read more
If you’ve ever switched to part-time work, started a new job mid-month, or taken unpaid leave, you’ve probably heard the term pro rata salary. It sounds like something only HR managers and payroll software deal with, but honestly, it’s pretty simple once you break it down. Think of it as getting paid in proportion to … Read more
If you’re into fitness, you’ve likely heard the term VO2 max. But what does it actually mean, and how do you calculate it? In simple terms, VO2 max (or maximal oxygen uptake) measures how much oxygen your body can use during intense exercise. Think of it as your aerobic engine size, the higher the number, … Read more
If you’ve ever worked on a construction project, plumbing installation, or industrial piping system, you know one thing: every pound matters. That’s why knowing the weight of steel pipe per foot is so important. It affects load calculations, transport planning, and even structural safety. Doing the math by hand can be a headache. That’s where … Read more
In the world of finance and investment analysis, one of the most common questions is: How long will it take to recover my money? That’s exactly what the payback period answers. It’s a simple but powerful capital budgeting metric used in corporate finance, small business decision-making, and even personal investments. If you’re wondering how to … Read more
If you’ve ever stepped into a gym and wondered, “How do I calculate my one rep max?”, you’re not alone. Whether it’s the bench press, squat, or deadlift, knowing your one rep max (1RM) is a game-changer in strength training. It’s more than just bragging rights. Your 1RM helps you measure maximal strength, set realistic … Read more