From Munich, Germany, Testing calculators has been my passion for years. From scientific models to heavy-duty financial ones, I’ve used them all in classrooms, offices, and client meetings. When I first picked up the HP 17BII+ Financial Calculator, it felt like holding a mix of heritage and precision. Built by Hewlett-Packard, it’s more than just a … Read more
After testing the Casio PRIZM FX-CG50 Color, I can honestly say it’s one of the most balanced and capable graphing calculators I’ve used, especially for students and professionals who need both power and simplicity. I used it for calculus, statistics, and even 3D graphing exercises, and it performed flawlessly. The color LCD screen made visualizing … Read more
By a calculator expert who has used dozens of financial and scientific models over the years. I’ve worked with financial and RPN (Reverse Polish Notation) calculators for years, from the legendary HP-12C to modern scientific hybrids. The SwissMicros DM12L Financial Calculator caught my attention. It promises to blend the classic HP-12C experience. DM12L with modern … Read more
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
Understanding how to calculate pro rata share is essential for anyone dealing with financial distributions, whether in business, investments, or legal settlements. The term “pro rata” comes from Latin, meaning “in proportion.” It refers to the fair allocation of something based on an individual’s or entity’s share of the whole. Whether you’re dividing profits among … 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’re moving into a new apartment rental mid-month or your lease agreement ends before the month is up, you’ve probably heard about pro rata rent. But what does it mean, and how do you actually calculate it? In short, pro rata rent is the proportional rent amount a tenant pays for the exact number … 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