Caltohub Knowledge Base
In-depth, mathematically verified guides to business unit economics, mortgage debt acceleration, freelance pricing, and computational algorithms.
How to Calculate Your True Freelance Hourly Rate
Factor in self-employment taxes (15.3%), unbillable admin hours, health insurance, and PTO to set profitable consulting rates.
Save Tens of Thousands on Mortgage Interest
Understand amortization curves, bi-weekly payment mechanics, recasting, and extra principal payoff strategies.
Essential SaaS Metrics: MRR, Churn, LTV:CAC & Runway
Master subscription unit economics, Net Revenue Retention (NRR), and cash burn preservation tactics for founders.
Margin vs. Markup: Profit Math Made Simple
Conversion lookup tables, compound percentage asymmetries, reverse sales tax formulas, and discount stacking rules.
Universal Unit & Time Systems in High-Tech
Unix epoch timestamps, Y2038 overflow, binary (MiB) vs. decimal (MB) storage standards, and network bandwidth math.
Understanding BaZi, Sexagenary Cycle & Nominal Age
The astronomical solar term origins of the Chinese 60-year Ganzhi cycle, Five Elements interactions, and age traditions.