WHY THESE NOTES EXIST
A useful tool makes disagreement possible.
A result is useful only when a reader can identify its inputs, repeat its arithmetic, find the source behind a factual claim, and see which missing information could reverse the decision. These pages provide that audit trail.
Monetary values that are not taken from an official source are explicitly labelled as illustrative or user assumptions. None of the cases is a current quote, listing, trip recommendation, or promise of an outcome.
Start with the ten-year mortgage balance comparison, the Dallas-to-Seattle model replay, or the historical USGS observation check. Preparation uses AI assistance; the publisher record explains what was checked and by whom.
APT · 8 CASES
Housing costs beyond the headline price.
From an ₩800M price to a monthly housing burden
A reproducible mortgage example that separates transaction evidence, financing assumptions, and costs the calculator cannot know.
Declared housing scenario · official sources provide context only · reviewed 2026-09-07Open the full calculation →How 3.5% versus 5.0% changes the same loan
A rate sensitivity check for a fixed ₩480M principal and 30-year equal-payment schedule.
Declared rate sensitivity · not a current loan quote · reviewed 2026-09-06Open the full calculation →Buy versus jeonse: compare the financing layer honestly
A deliberately limited comparison showing why principal repayment and interest-only deposit financing should not be labelled as equivalent monthly costs.
Declared buy-versus-jeonse scenario · not a product quote · reviewed 2026-09-06Open the full calculation →The September 2026 fixed-rate term trade-off
A ₩300M loan stress test using HF's published September 2026 endpoint rates: 4.90% for 10 years and 5.20% for 50 years.
Official rate snapshot · 2026-08-26 release · reviewed 2026-09-07Open the full calculation →What a full 1-point HF discount changes
The same ₩300M principal is tested at HF's September 2026 base and maximum-discount endpoint rates.
Official base and preferential-rate snapshot · reviewed 2026-09-02Open the full calculation →Use the official rate range as a stress band
A 30-year planning model tests 4.90% and 5.20% as an explicit range informed by HF's September endpoints, not as quoted 30-year products.
Official endpoints transformed into a declared stress test · reviewed 2026-09-02Open the full calculation →A cancelled transaction must leave the price baseline
A controlled six-record audit applies MOLIT's official cancellation status before calculating a comparable-price median.
Official cancellation rule · controlled arithmetic fixture · reviewed 2026-09-02Open the full calculation →Normalize area before comparing two sale records
A transaction-field audit shows why raw prices for 59.9㎡ and 84.9㎡ homes cannot be ranked without an area-normalized view.
Official field semantics · controlled comparable pair · reviewed 2026-09-02Open the full calculation →MOVE · 8 CASES
Relocation math beyond the headline salary.
Why a $25K raise can create only $784 of monthly room
A transparent before-tax screen showing how rent and other spending absorb a larger gross salary.
Declared relocation scenario · salaries and costs are illustrative · reviewed 2026-09-06Open the full calculation →Calculate a relocation salary floor before tax
A simple break-even floor that preserves current pre-tax room before a more personal tax model is applied.
Derived from declared scenario inputs · tax layer excluded · reviewed 2026-09-06Open the full calculation →When does a $12K move pay back?
A recovery-period calculation that tests whether a monthly improvement is large enough to offset one-time moving costs.
Declared recovery scenarios · not a market forecast · reviewed 2026-09-06Open the full calculation →The 2026 filing-status deduction gap
IRS-published 2026 standard deductions are translated into taxable-income differences before any city comparison is attempted.
IRS tax-year 2026 snapshot · reviewed 2026-09-02Open the full calculation →Dallas to Seattle: where a $25K raise goes
A live MOVE replay traces a $25K raise through 2026 federal tax, employee FICA, rent and a visible spending assumption; change costs to test the result.
2026 IRS/SSA rules · MOVE replay on 2026-09-07 · reviewed 2026-09-08Open the full calculation →The 2026 Social Security wage-cap threshold
SSA's $184,500 taxable maximum creates a visible payroll-tax threshold that a relocation model must not smooth away.
SSA and IRS 2026 payroll-tax snapshot · reviewed 2026-09-02Open the full calculation →$100K does not buy the same regional basket
BEA's 2024 regional price parities turn the same nominal salary into a price-level-adjusted comparison for California and Arkansas.
BEA 2024 RPP release · published 2026-04-06 · reviewed 2026-09-05Open the full calculation →A national labor headline is not a destination verdict
BLS's July 2026 metro release is decomposed into higher, lower, and unchanged year-over-year unemployment-rate groups.
BLS July 2026 metro release · reviewed 2026-09-05Open the full calculation →FINVECTOR · 8 CASES
Fishing evidence without false certainty.
A stocking week is not a stocking day
An evidence-classification example showing why published date precision must survive the ranking pipeline.
Evidence-classification method · no exact stocking day inferred · reviewed 2026-09-06Open the full calculation →Missing access data should not become a zero
A ranking example that distinguishes unknown evidence from negative evidence and shows the reweighting arithmetic.
Controlled scoring fixture · one evidence layer intentionally missing · reviewed 2026-09-06Open the full calculation →A nearby gauge is a proxy, not the fishing reach
A hydrology interpretation case that prevents geographic proximity from becoming false measurement certainty.
Proxy-evidence method · no reach condition or safety claim · reviewed 2026-09-06Open the full calculation →A 2.87-foot reading needs its timestamp
A dated USGS Little Falls snapshot is converted into an observation-age gate instead of being shown as an untimed condition claim.
USGS instantaneous snapshot · 2026-09-02 03:50 EDT · reviewed 2026-09-07Open the full calculation →California's seven-day plant window is not an event day
CDFW's current schedule is used to preserve a seven-day range for Kern River Section 5 rather than invent a precise stocking date.
CDFW dynamic schedule snapshot · reviewed 2026-09-07Open the full calculation →Read the Ischua Creek stocking mix without overclaiming
NYSDEC's 2026 plan for 3,867 nine-inch and 430 twelve-inch trout is converted into a transparent size mix and density context.
NYSDEC projected 2026 stocking plan · reviewed 2026-09-02Open the full calculation →Planned stocking and actual stocking are different datasets
New York's current-season plan and its actual stocking archive are treated as separate evidence classes before a freshness score is calculated.
NYSDEC 2026 plan plus actual-record archive · reviewed 2026-09-02Open the full calculation →A forecast card needs a data-lineage trail
The National Weather Service linked-data workflow is translated into a four-step lineage from coordinates to office, grid, hourly forecast, and alerts.
NWS API documentation snapshot · reviewed 2026-09-02Open the full calculation →READING STANDARD
Four labels that must not be blended.
- User assumption: a salary, rate, rent, budget, target species, or other entered value.
- Public evidence: a value or record tied to an identified official source and date precision.
- Calculation: a reproducible transformation of declared inputs.
- Decision support: an interpretation with visible limitations, never a guarantee or professional decision.
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