Changes and corrections

Last updated October 23, 2026

These calculators put dates on deadlines people act on, so a wrong one matters. When a calculator gave a wrong answer, the fix is listed here with what it did before and what it does now. Guides that were corrected are listed too, and so are new guides. We find most of these by reading each tool's code against the rule it claims to follow and re-running its worked examples. If you find one we missed, the contact page says what to send, and the methodology page explains how the checking works.

October 13, 2026: 14 calculator corrections

The 12 October review ended with a list of known limitations we had not yet fixed. These are the fixes, each checked against the statute, regulator guidance or holiday list it depends on.

Holiday data, same day

• Was: Scotland's one-off World Cup bank holiday on Monday 15 June 2026 was missing. Now: Added, from gov.uk/bank-holidays (proclaimed 3 February 2026). Every 2024 to 2027 UK date now matches gov.uk.
• Was: Past UK one-offs were missing: VE Day 2020 (8 May, replacing 4 May), the 2022 Platinum Jubilee (2 and 3 June, replacing 30 May) and State Funeral (19 September), and the 2023 coronation (8 May). Now: Added, so counts that reach back to those years match gov.uk.

Guides corrected, same day

Every published guide that described one of these calculators was re-run and corrected, and shows an “Updated” date of 13 October. What each one said before, and says now:

• One Outage, Three Clocks: A Friday P1 From First Response to the Month-End Service Credit
  • Said the ticket and SLA deadline tools had no holiday calendar and returned Mon 18 Jan 09:10 (restoration) and Tue 19 Jan 11:10 (permanent fix), to be moved by hand → both tools now take the US calendar and return Tue 19 Jan 09:10 and Wed 20 Jan 11:10 directly.
  • Said 24x7 P1 clocks could not be entered → both tools have a 24×7 option (restoration Fri 15 Jan 19:10).
• From Finished Work to Cash: A Freelancer's Invoice, Due Date, Discount and ACH Timeline Through the 2026 Holidays
  • Said the scheduler had no holiday or weekend setting and issued invoice 3 on Christmas Day → it now sends it Mon 28 Dec and invoice 4 on Mon 25 Jan, and moves invoice 2's due date to Mon 28 Dec; Priya's hand move of invoice 3 to Wed 23 Dec is kept as her choice.
  • Said Payment Terms and the Net 30 discount fields never moved the discount date (Sat 5 Dec, Sat 2 Jan) → both now move it to Mon 7 Dec and Mon 4 Jan by default, with the N.Y. Gen. Constr. Law § 25 basis; the post explains that stating a weekday cutoff on the invoice overrides it.
  • Said a client paying on 28 December could be argued three days late → under the next-business-day default (N.Y. § 25, Cal. Civ. Code § 11) that payment is on time unless the contract says the calendar date is final.
• Your SLA Clock Should Tick in Business Hours, Not Calendar Hours
  • Said the SLA deadline calculator has no holiday calendar → it takes the agreement's holiday calendar, closure days and a 24x7 option.
• The Friday-Afternoon Ticket: When Is First Response Actually Due?
  • Said the ticket calculator skips weekends but not public holidays → it skips the selected country's holidays and custom closures, so the post's holiday example comes out without a hand adjustment.
• Building a Pay Calendar: Why Paydays Move Earlier on Holidays
  • Added that US paydays now follow the Federal Reserve calendar, so a Friday payday before a Saturday holiday (3 July 2026) no longer moves to Thursday.
• Purchase Order Lead Time: When Will the Goods Actually Arrive?
  • Said lead time and transit are both counted in business days on the selected calendars → transit can now run on the receiving country's calendar or in calendar days.
• Net 30 Sounds Simple. When Is the Invoice Actually Due?
  • Added the legal basis for moving a weekend due date (N.Y. Gen. Constr. Law § 25; Cal. Civ. Code § 11) and that the calculator now moves the discount deadline too.
• Is "2/10 Net 30" Worth It? The Hidden Interest Rate of Early-Payment Terms
  • Said a Thursday invoice's discount window closes on a Sunday → the tenth day is a Sunday, but unless the terms say otherwise the discount can be taken on the Monday, and the calculator now moves it.
• Should You Offer 2/10 Net 30? The Supplier’s Side of Early-Payment Discounts
  • Added that both windows move off a weekend or holiday by default unless the terms say the date is final.
  • Said the implied annualised cost was ~36% → ~37% (2/98 × 365/20 = 37.2%, as the calculator shows).
• How to Schedule Recurring Freelance Invoices (and Actually Get Paid on Time)
  • Example (1 July, no year) said invoice 2 due Aug 30 and the last invoice issued Nov 28, due Dec 28 → for 2026 with the US calendar: invoice 2 due Mon Aug 31, invoice 3 issued Mon Aug 31, the last issued Mon Nov 30 and due Dec 30, because the scheduler now moves weekend dates.
• The GDPR DSAR Deadline: "One Month" Is Trickier Than It Sounds
  • Said the extension 'runs from the original deadline' → the ICO says three months from receipt (31 January → 30 April, not 28 April); the EDPB sets no method.
  • Added that a deadline on a weekend or public holiday moves to the next working day (EDPB Guidelines 01/2022 para 161; ICO), with 2026 examples.
• The FCRA Pre-Adverse Action Waiting Period: How Long to Wait Before You Rescind an Offer
  • Said the tool labels the fifth business day 'final adverse on or after' → it now shows the waiting period running through the fifth day and the earliest final action on the next business day (Friday the 12th in the example).
• Counting a Court Filing Deadline in New Zealand: Calendar Days, Working Days, and the Roll-Forward Rule
  • Said the Senior Courts Act and High Court Rules both exclude 25 Dec–15 Jan and that the province's anniversary day is a non-working day → only the Act excludes the anniversary day; under the High Court and District Court Rules it is a working day but a court holiday, so a deadline on it moves to the next open day. Wellington, 30 working days from 1 Dec 2026: Wed 3 Feb 2027 under the Rules, Thu 4 Feb under the Act.
• A Mechanic’s Lien Deadline Is Shorter Than You Think — and the Clock Already Started
  • Gave Texas as 'roughly 120 days', Illinois 'roughly 120 days' and New York 'about 240 days' (about 120 for a single-family dwelling) → the statutes' own units: Texas the 15th day of the 4th month after the trigger month (3rd for residential), Illinois 4 months, New York 8 months (4 for a single-family dwelling).
  • Said the lien window runs from your last day on the job in most states → it depends on the state: completion of the whole project in California, the trigger month in Texas.
  • Example (1 March, no year): California deadline May 30, New York 27 October → for completion on 1 March 2026: Saturday 30 May moves to Monday 1 June (CCP § 12a) and New York's eight months end Sunday 1 November, moving to Monday 2 November (GCL § 25-a).

October 12, 2026: 36 calculator corrections

Writing guides that chain several calculators together means running each one against its own page and its older guides side by side. That turned up these.

Holiday data, same day

• Was: Scotland's 2 January and St Andrew's Day and Northern Ireland's St Patrick's Day and Battle of the Boyne used the US rule (a Saturday holiday moves to Friday). Scotland's 2 January 2027 landed on Friday 1 January and replaced New Year's Day. Now: UK substitute days go to the following Monday, as gov.uk lists them: Scotland Mon 4 Jan 2027, St Andrew's Day Mon 1 Dec 2025, Battle of the Boyne Mon 13 Jul 2026.
• Was: New Zealand's 1 and 2 January were Mondayised separately, so when 1 January is a Saturday both landed on the same Monday and one holiday vanished (Tue 4 Jan 2028 counted as a working day). Now: They move as a pair, like Christmas and Boxing Day: Mon 3 and Tue 4 January 2028.

October 12, 2026: guides corrected

Every older guide was re-read against the calculator it describes, and its worked examples were re-run. Most of these were accurate when written and went stale when the calculator behind them was fixed in July or August; some were simply wrong. 84 guides were corrected, and each now shows an “Updated” date. What each one said before, and says now:

• How to Count Business Days Between Two Dates (Without Miscounting Either End)
  • Said Columbus Day and Veterans Day are normal settlement days because the NYSE trades → now says they are trading days but not settlement days, because banks are closed.
  • Said Australian Labour Day falls in four different months → three (March, May, October).
• Your SLA Clock Should Tick in Business Hours, Not Calendar Hours
  • Said the SLA calculator applies your holiday calendar → now says it counts the working window and workweek only, with no holiday calendar.
• Calculating the Last Working Day of a Notice Period
  • Said four weeks' notice from a Monday ends on a Sunday → it ends on the Monday; the weekend example now uses notice given on a Sunday (ends Sunday, last working day the Friday).
• The 3-Business-Day Right of Rescission, Counted Correctly
  • Said the Closing Disclosure 3-day rule uses the general Reg Z business-day definition in some applications → it uses the same Sundays-and-federal-holidays definition as rescission (12 CFR 1026.2(a)(6)).
• How Many Working Days Are in Each Month? It Depends on More Than the Calendar
  • Said Australian Labour Day falls in four different months → three (March, May, October).
• Projecting a Real Estate Closing Date From Contract Acceptance
  • Said 21 business vs calendar days differ by close to a fortnight and a 10-day inspection by four days → 8–12 days and 4–7 days respectively.
• The GDPR DSAR Deadline: "One Month" Is Trickier Than It Sounds
  • Said 30 days and one month differ in every month except one → they match in the four 30-day months (April, June, September, November).
  • Said a January DSAR gets 28 days → a February request gets 28 (29 in a leap year); January requests get 31.
• When a Trade Has Two Legs: Settlement Across Two Holiday Calendars
  • Said the T+1 calculator lets you pick each leg's holiday calendar → it uses a fixed US calendar; the post now points the second leg to the Add Business Days calculator, which has a country picker.
  • Leg one said to choose the settling market's calendar in the T+1 calculator → now uses the T+1 calculator for US securities and Add Business Days with the right country for others.
  • Leg two said to rerun the T+1 calculator with the currency's calendar → now uses Add Business Days with that currency's country selected.
  • Said the settlement calculator counts against the calendar you pick → it uses a fixed US calendar; only Add Business Days takes a country.
• The WARN Act 60-Day Notice: Counting the Earliest Lawful Layoff Date
  • Said the WARN calculator takes a notice date, returns the earliest layoff date and applies state mini-WARN rules → it takes the separation date and returns the latest notice date; the state period has to be typed in (e.g. 90).
• How Many PTO Days Is a Two-Week Vacation? The Counting Mistakes That Cost Employees Days
  • Said a fixed Sat/Sun weekend only ever overcharges → it overcharges for weekdays not worked and undercharges for Saturdays that are worked.
• The I-9 Three-Business-Day Rule: Counting the Deadline Correctly
  • Said the Wed→Tue deadline is five calendar days after the start, and that counting the start date makes you two days late → six days; both counting slips make you early, not late.
• The HIPAA Breach Notification Clock: 60 Days, and the Deadline People Forget
  • Said the small-breach HHS log is due by the end of February → 60 days after year-end: 1 March (29 February in leap years).
  • Gave the small-breach annual report as the end of February → 1 March (29 February in a leap year)
• Cooling-Off Periods: How to Count the Cancellation Deadline Correctly
  • Said the FTC 3-day rule skips Saturdays and a Thursday sale before a holiday Monday runs to the following Thursday → Saturdays count; it expires Tuesday.
  • Said the cooling-off calculator applies the right weekend rules automatically → it defaults to Mon–Fri, so the FTC rule needs the Mon–Sat workweek (Thu 8 Oct 2026 sale: Wed 14 Oct → Tue 13 Oct).
• SEC Filing Deadlines: 10-K, 10-Q, 8-K and the Filer Status That Changes Everything
  • Said Schedule 13D has a 10-day window → five business days (since February 2024).
  • Said ownership schedules run on calendar days → Schedule 13D runs on business days like the 8-K and Form 4.
  • Said the SEC calculator applies a 10-day Schedule 13D window → it applies five business days.
• Reg CC: How Long Can a Bank Legally Hold Your Check Deposit?
  • Said a Thursday deposit before a Monday holiday is available Wednesday → Tuesday (Friday is day one, Tuesday day two).
  • Said the earliest permitted ATM cut-off is 8 p.m. → noon (Reg CC 229.19(a)(5)(ii)).
• The FOIA 20-Day Clock: When Does an Agency Actually Have to Respond?
  • Said 20 business days from early November lands deep into December → first week of December (2 Nov 2026 → 2 Dec).
• A Mechanic’s Lien Deadline Is Shorter Than You Think — and the Clock Already Started
  • Said the California and New York lien deadlines from the same date are eight months apart → about five months (30 May vs 27 October).
  • Said the calculator shows a preliminary-notice date about 20 days after your last day (1 March → 21 March) → the notice runs from your first day on the job, so the tool states the rule instead of a date
• Served With Papers: When Does the Response Clock Actually Start?
  • Said 30 business days lands several days after 30 calendar days → two weeks later (1 May 2026 service: 1 June vs 15 June).
• How Eviction Notice Deadlines Are Counted (and Why the Wrong Day Restarts the Whole Case)
  • Said a 3-business-day notice served Thursday may run to the following Wednesday → Tuesday, absent a holiday.
  • Implied the eviction calculator rolls calendar-day deadlines off weekends/holidays and accepts custom closures → it does neither; calendar mode can return a Sunday.
• When ACH Payments Actually Settle (and Why Payday Math Is All Business Days)
  • ACH post: said to enter a number of days (0, 1 or 2) → now says to choose the settlement class from the tool's dropdown.
  • ACH post: 'a zero-business-day offset' → 'choose Same-day ACH' (the tool uses a dropdown).
  • ACH post: 'Enter 1' → 'Choose Next-day ACH'.
  • ACH post: 'Enter 2, the default' → 'Standard (2-day) ACH, the default'.
• The FCRA Pre-Adverse Action Waiting Period: How Long to Wait Before You Rescind an Offer
  • FCRA post: said the calculator returns the earliest action date (example: Fri 12th) → now says it returns the fifth business day (Thu 11th) and that acting the next business day adds margin.
• When Is the Bid Actually Due? Counting Backward From Tender Opening
  • Bid-deadline post: said you can add your own organisation's closures → the tool takes jurisdiction holidays only; own closures must be allowed for by hand.
  • Bid-deadline post: question deadline '7 business days before opening by default' → fixed at 7 business days, and only meaningful when the submission lead time is shorter.
• You Just Left the Company. How Long Do You Have to Exercise Your Stock Options?
  • Stock-option post: said the calculator counts the window in trading days with a selectable holiday calendar → it counts calendar days and reports the last NYSE trading day on or before the deadline (e.g. separation 12 Oct 2026: deadline Sun 10 Jan 2027, last trading day Fri 8 Jan 2027).
• Demurrage: Your Container Just Landed. When Does the Port Start Charging?
  • Demurrage post: said the tracker returns the first billable day → it returns the last free day; billing starts the next day (e.g. available Wed 3 Jun 2026, 5 working free days: last free day Wed 10 Jun, first billable Thu 11 Jun).
  • Demurrage post closing: 'returns the first day demurrage begins' → 'returns the last free day; demurrage begins the day after'.
• When Does Your Subscription Actually Renew? Months, Month-Ends and the Cancel-By Date
  • Subscription post title: 'renews on a business day' → renews on the calendar date (working-day alignment is an option for invoiced terms).
  • Subscription post description: 'then rolls to the next working day' → 'on the calendar date, weekend or not'.
  • Subscription post: said every renewal rolls to the next business day because cards only process on working days → renewals fall on the calendar date by default; working-day roll is an option for invoiced terms (e.g. start Sat 16 Aug 2025, 12 months: renews Sun 16 Aug 2026, cancel by Sat 15 Aug).
  • Subscription post: weekend roll always applied on top of month-end clamping → only when the working-day option is ticked.
  • Subscription post: described a projected monthly schedule with business-day wobble → the tool returns one renewal per run, measured from the original start; enter the months elapsed to check a given month.
  • Subscription post checklist: 'pick the country so the business-day roll is correct' → calendar date for cards; working-day option and country only for invoiced terms.
  • Subscription post closing: 'adjusted to a real business day' → 'and the last day to cancel before it'.
• When the Courthouse Is Closed: What Actually Extends a Filing Deadline
  • Courthouse-closure post: said to apply an unscheduled closure by hand → the calculator takes the closure dates and runs the chain itself (e.g. deadline Fri 4 Sep 2026, closed 3–4 Sep, Labor Day Mon 7 Sep → Tue 8 Sep, 4 days gained).
  • Courthouse-closure post: 'a calculator models only the predictable closures' → it can take unscheduled closure dates once you know them.
• Why Project Milestones Slip: Count Business Days, Not Calendar Days
  • Project-milestone post: said the projector shows a breakdown of skipped days → it returns the date only; the business-days-between tool lists the days.
  • Project-milestone post: said the projector runs in reverse → it only counts forward; backward counts use Add Business Days with 'subtract'.
  • Project-milestone post closing: 'with a full breakdown of skipped days' → 'with weekends and holidays already stepped over' (no breakdown is shown).
• Projecting a Court Date From Your Filing: Business Days vs Calendar Days
  • Court-date post: said you can add custom closures → the tool takes national holidays only; court-specific closures must be checked separately.
  • Court-date post: said the calculator lists the weekends and holidays it removed → it shows the dates only, no day list.
  • Court-date post: described one projected deadline → the tool shows the response deadline plus a projected discovery/motions/pretrial/hearing chain (e.g. filed Fri 1 May 2026, 30 calendar days: response due Mon 1 Jun, earliest hearing Mon 30 Nov 2026).
• How Many Working Days Are Actually in Your Fiscal Year?
  • Fiscal-year post: window 'to the last day of the same month a year later' → '1 April to 31 March' (ends the day before the anniversary).
  • Fiscal-year post: said you can add your own closures → the counter takes national holidays only.
  • Fiscal-year post: said setting the start month to a quarter's first month counts that quarter → the counter always counts 12 months; quarters are counted with Business Days Between.
• The Probate Deadlines That Start the Day Someone Dies
  • Probate post description: deadlines 'all run from the date of death' → mostly run from the executor's appointment (letters issued).
  • Probate post intro: deadlines start at the date of death → most start when letters are issued.
  • Probate post: inventory due ~3 months after death → ~3 months after appointment.
  • Probate post: will-contest window 'months after death' → runs from admission of the will to probate.
  • Probate post: calculator projects from the date of death → projects from the letters-issued date (e.g. death 12 Oct 2026 with no letters date: creditor deadline 12 Feb 2027; with letters on 12 Jan 2027 it would be 12 May 2027).
  • Probate post checklist: 'everything anchors to the date of death' → most clocks anchor to the letters-issued date.
  • Probate post closing: enter the date of death → enter the date of death and the letters-issued date.
• Your Fixed-Term Contract Ends on a Date. The Notice Deadline Comes First.
  • Contract-end post: 60 days vs 60 business days 'nearly three weeks apart' → 'more than three weeks apart' (60 business days before 30 Jun 2027 is 5 Apr 2027, 86 calendar days).
• How to Schedule Recurring Freelance Invoices (and Actually Get Paid on Time)
  • Freelance-invoice post example: 'a steady end-of-month rhythm' → 30-day steps drift: due Jul 31, Aug 30, Sep 29, Oct 29, Nov 28, Dec 28.
  • Freelance-invoice post: suggested '1st of the month' as a cadence the projection follows → the scheduler uses fixed day intervals; month-date cadences drift from it.
• Cold-Chain Logistics: Matching Transit Time to Shelf Life
  • Cold-chain post: said the tool projects delivery only and you compare shelf life yourself → it takes shelf life and reports days remaining on arrival plus a viable/not-viable verdict.
  • Cold-chain post example (ship 1 Jul 2026, 4+3 business days, 21-day shelf life): 'a week and a half out, around two weeks of life left' → arrives Mon 13 Jul (12 calendar days, July 3 holiday skipped), 9 days of shelf life left; a 10-day product expires 2 days before arrival.
• Estimating Delivery Dates: Why Transit Time and Customs Buffer Aren't the Same Clock
  • Shipping post: said the estimator applies each country's holidays only to its own leg → it runs one combined business-day count against all selected countries' holidays (cautious when origin and destination are both selected).
• Counting Business Days When Your Company Doesn't Run Monday Through Friday
  • Custom-workweek post: listed a Sunday-Friday preset → presets are 4-day, Sun–Thu and Mon–Sat; Sunday–Friday is set with the custom day boxes.
• "10 Business Days From Today" — Does Today Count?
  • Add-business-days post: said 10 business days is two weeks only from a Monday, three weekends from a Thursday → it is 14 calendar days from any weekday (Thu 4 Jun 2026 → Thu 18 Jun); the start day matters for other counts (3 business days: Mon→Thu, Thu→Tue).
  • Add-business-days post: 'enter a negative number' → 'tick the subtract option'.
  • Add-business-days post closing: 'negative to move backward' → 'a subtract option to count backward'.
• Business Hours vs. Calendar Hours: Why a Friday Ticket Isn’t 67 Hours Old on Monday
  • Business-hours post: Friday 4pm → Monday 11am = 2 business hours → 3 business hours (1 on Friday + 2 on Monday).
  • Business-hours post example: '2 business hours, more than 30x' → '3 business hours, more than 20x' (67 ÷ 3 ≈ 22).
  • Business-hours post: 'report 2 business hours' → 'report 3 business hours'.
• How Many Working Days Are Actually Left Before the Year-End Break?
  • Working-days-left post: said you can count from any date you pick → the calculator always counts from today (excluding today); other start dates go through Business Days Between.
  • Working-days-left post example: 32 → 24 days described as 'a third gone' → 'a quarter gone' (8 of 32).
  • Working-days-left post example: Mon 17 Nov – Thu 18 Dec (2025 weekdays) → Mon 16 Nov – Thu 17 Dec 2026; counts unchanged (32 days, 24 working days).
• Your Company's Closure Days Break Every Standard Business-Day Count
  • Custom-holidays post: said the result is a business/weekend/holiday breakdown to inspect → it reports counts with and without your list and how many dates removed a day vs were redundant (e.g. Dec 2026 with 25, 26, 28, 29 Dec: 22 → 20 working days; 2 removed a day, 2 redundant).
  • Custom-holidays post: 'one date per line' → one per line or comma/space separated.
• Bridge Days: The One-Day-Off Trick That Buys a Four-Day Weekend
  • Bridge-day guide said the finder only lists four-day weekends → now notes it also lists Wednesday holidays (two days of leave, five-day break), e.g. US Veterans Day 2026: 9–10 Nov.
  • Bridge-day guide said four bridges buy "sixteen consecutive days" off → "sixteen days off" (four separate four-day weekends).
• How Many Payable Workdays Are in This Pay Period? (It Changes Every Month)
  • Payroll guide said a 1st–15th period can hold "twelve" workdays → "eleven" (15 days contain at most 11 weekdays).
  • Payroll guide said the calculator takes start and end dates and shows weekend days → it takes a start date and pay frequency, derives the end, and shows calendar days and holidays.
  • Payroll guide told readers to toggle the endpoints off → the payroll tool has no such toggle; partial periods now point to the business-days-between calculator, which does.
• Purchase Order Lead Time: When Will the Goods Actually Arrive?
  • PO lead-time guide described one lead-time input → now explains the separate transit field (default 3 business days) and to set it to 0 for an all-in quote.
• The Friday-Afternoon Ticket: When Is First Response Actually Due?
  • Ticket-deadline guide said you enter a target in hours and run it twice, and implied holiday handling → you pick a P1–P4 tier, get both deadlines at once, and the tool counts weekends but not public holidays.
• Legal Notice Deadlines: Is It Business Days or Calendar Days? (Read the Statute First)
  • Legal-notice guide said leaving business days off gives a straight calendar count → the box is on by default, and calendar mode rolls a weekend/holiday landing to the next business day (e.g. 7 Oct 2026 + 10 = Sat 17 Oct → Mon 19 Oct).
• Why Your Loan Payment Due Date Doesn't Land on the Same Day Every Month
  • Loan-date guide said the projector adds a fixed interval and rolls to the earlier business day → it schedules the same day each month (month-end clamped) and rolls forward, e.g. 31 Jan 2026 → payments 2 Feb, 2 Mar, 31 Mar, 30 Apr.
  • Loan-date guide caveat said dates come from an interval → from a same-day-each-month schedule rolled forward.
• EEOC Charge Deadlines: Why "180 Days" and "300 Days" Are Both Right, Depending on Your State
  • EEOC guide listed AL, AR and MS as 180-day states → adds Georgia, matching the calculator.
• The FDCPA Debt Validation Window Is 30 Days — But From Which Date?
  • Debt-validation guide said collectors must still respond to a late dispute → the FDCPA requires verification only for disputes inside the 30 days; a late one must be reported as disputed, but need not be answered.
  • Debt-validation guide said a late dispute "works through separately" → collectors need not answer it.
• Chargeback Response Deadlines: Why Visa and Mastercard Count the Clock Differently
  • Chargeback guide said Mastercard’s 45 days run from the original transaction → they run from the chargeback filing date, slightly before the merchant is notified.
• Security Deposit Return Deadlines Range From 14 to 60 Days — Here Is Why It Matters
  • Deposit guide said the calculator falls back to a general default for other states → it covers 16 checked states and refuses to guess for the rest.
• Turning 65? The Medicare Enrollment Rule Nobody Explains Well: Born on the 1st, Shift Back a Month
  • Medicare IEP guide said enrolling in the birthday month still starts coverage that month, and late-IEP sign-ups are pushed back by months → birthday-month and later sign-ups start the month after enrolment (rules in force since January 2023).
• 1031 Exchange Deadlines: Why 45 and 180 Days Are the Two Least Forgiving Numbers in Real Estate
  • 1031 guide said there are no exceptions → notes the IRS disaster-postponement exception.
• Why Your Tax Refund Estimate Might Be Wrong: The PATH Act Hold Nobody Reads About Until It Affects Them
  • Refund guide said PATH refunds arrive a few days after the 15 Feb hold lifts → IRS expects most around the start of March (≈2 March in 2026).
• The 401(k) Deposit "Safe Harbor" Only Protects Small Plans — Here Is the Rule for Everyone Else
  • 401(k) guide said the 15th-business-day limit comes from a separate audit/bonding rule → it is §2510.3-102(b)(1), the same regulation as the safe harbor.
• Workers' Comp Has Two Deadlines, Not One — and the Shorter One Trips Up More Claims
  • Workers’ comp guide implied the calculator covers every state → it covers CA, FL, IL, NY and TX and returns no date for others.
• Federal Appeal Deadlines Are 30 Days — Unless the Government Is a Party, Then It's 60
  • Appeal guide cited FRCP 6(a) for the weekend roll → FRAP 26(a)(1)(C).
  • Appeal guide said there is no good-cause or excusable-neglect route → FRAP 4(a)(5) allows an extension on either showing if sought within 30 days after the deadline.
• Passport Renewal Timing: The "6 Months Before Expiration" Rule Nobody Mentions Until You're at the Airport
  • Passport guide said the calculator does not check the six-month rule → it does, if you enter your current expiry date (counted from departure).
  • Passport guide said routine processing takes 6–8 weeks → State Department currently quotes 4–6 weeks (expedited 2–3) plus up to 2 weeks mailing each way.
• Naegele's Rule: How Your Due Date Gets Calculated From One Date
  • Said Naegele's rule is a 250-year-old formula → now says two-century-old (Naegele published it in 1812).
• Divorce Waiting Periods by State: Why the Same Filing Date Gives You a Different Finalization Date
  • Said uncovered states get a 60-day default estimate → now says the calculator returns no date for states outside its six verified ones (CA, TX, NY, FL, NV, IL).
• Reading a Rotating Shift Calendar: Which Days Are You Actually On?
  • Said the third 4-on-4-off block starts on a Saturday → now Wednesday (each block starts 8 days, i.e. one weekday, later).
  • Said a 5-on-2-off rotation drifts through the week → now says its 7-day cycle keeps the same weekdays every week.
  • Said none of the four patterns has a seven-day cycle → now says the other three (4-on-4-off, 2-on-2-off, 6-on-3-off) don't.
• Counting Construction Working Days (Rain Days Included)
  • Implied the calculator could be set to include or exclude the endpoints → now says it always counts both and how to adjust the dates instead.
  • Said rain days are added as custom date exclusions → now says you enter the count of weather/stand-down days in its own field.
• JIT Reordering: Work Backward From the Line-Down Date
  • Said the 8-business-day count back from Oct 30 skipped two weekends → now one weekend (Oct 24–25); the Oct 20 release date is unchanged.
  • Said the headline is the latest safe release date → now explains the headline is the recommended date after a 3-business-day safety buffer (Oct 15 for the Oct 30 example; latest possible is Oct 20).
• Counting Business Days Until a Deadline (Your Real Runway Is Shorter Than the Calendar Says)
  • Said the countdown has include-start/include-end toggles → now says it always excludes today and includes the target day, and to subtract one if the target is the delivery day.
  • Told readers to set the endpoints → now workweek, holiday calendar and custom closures (the settings the countdown actually has).
• Comparing Carrier Delivery Dates: Why "3–5 Days" From Two Carriers Isn't the Same Promise
  • Said you enter each carrier's transit separately → now says one transit is applied across the USPS (Mon–Sat) and FedEx/UPS/DHL (Mon–Fri) calendars, run once per distinct quote.
  • Said to feed every carrier's quote in at once → now one run per distinct quote.
• Estimating Visa Processing Time: Count the Embassy's Business Days, Not Yours
  • Said 15 business days from a Monday lands on a Friday → now the Monday three weeks later (e.g. Jun 1 → Jun 22, 2026).
  • Said two closures push a 15-working-day window deep into the third week → now into the fourth week.
• Building an Event Planning Buffer: Count Prep in Business Days, Not Wishful Ones
  • Said prep start falls 'the previous week' after skipping a Thanksgiving-week holiday → now Friday Nov 6 after skipping Veterans Day (Nov 11); Thanksgiving (Nov 26) is after the event.
  • Said closures can be added as custom exclusions → now says to lengthen the prep window instead (the tool has no custom-closure field).
• Construction Shutdown Weeks: Programme the Closure Before It Programmes You
  • Said shutdown dates are entered as custom exclusions → now describes the dedicated shutdown start/end fields and the net/lost figures they produce.
  • Said two unnamed holidays outside the closure leave 38 days → now names the Auckland calendar and the two holidays (Auckland Anniversary 1 Feb, Waitangi observed 8 Feb 2027); a US calendar gives 39.
• Scheduling a Run of Recurring Meetings Without Landing on a Weekend
  • Listed the checkpoints as Jul 8, 15, 22, 29 → now Jul 1, 9, 16, 23, 30 (the observed July 3 holiday shifts the series by a day).
  • Said company shutdowns can be added as custom closures → now says to check the list against them (the generator has no custom-closure field).
• How Many Business Days Old Are You? A Different Way to Measure a Lifetime
  • Said a Jan 4 1993 birth date gives roughly 8,300 business days by mid-2026 → now roughly 8,400 (US calendar; ~8,470 UK).
• Counting Business Days in New Zealand and Australia (Where the Holiday Calendar Is Regional)
  • Said mondayised holidays cut the Dec 24 2025–Jan 9 2026 span to 'a handful' of working days → now 13 weekdays, 9 NZ / 10 AU working days (all four holidays fell on weekdays).
• Past the Date Rollover: The Overlap Window and the Daylight-Saving Drift That Break Global Team Scheduling
  • Said the Timezone Working Hours tool shows one moment across eight cities → now says it returns the working-hour overlap between two zones (3 h London–New York in June, 0 h against Sydney).
  • Said to read eight hubs together in the tool → now run each pair of hubs for a June and a January date.
  • Said London–Sydney jumps straight between 9 and 11 hours → now notes the ten-hour gap for a few weeks around each changeover.
• Measuring a Span in Business Days and Business Hours (and Why They Disagree)
  • Told readers to set endpoint toggles and bring their own day length → now says the tool counts both end dates and takes an hours-per-day input, returning hours as well as days.
  • Said you bring your own day length → now says the tool takes it as an input.
• Working Out Your Last Working Day Under a New Zealand Notice Period
  • Said the calculator shows the last working day for every unit side by side → now one unit per run (weeks, months, business or calendar days).
  • Said holidays never affect a weeks/months notice end date → now notes the calculator steps back to the previous working day when the period ends on a weekend or holiday.
  • Said 20 working days ends 'a few days later' than four weeks → now Tue 3 March 2026, one day after Mon 2 March.
• The Same-Day Filing Cutoff in New Zealand: Why Filing on the Right Day Can Still Be Late
  • Said the calculator only counts the deadline date → now describes its submission-time and cut-off inputs and same-day/next-day lodgement result.
• Contingency Periods Don't Chain: Turning a Purchase Contract Into Closing Dates
  • Said entering 0 for a waived contingency is ignored and still shows a date → now says 0 shows the contingency as 'Waived' and only a blank box uses the default.
  • Said 0 still returns Monday 21 September and a cash deal's financing line still shows a date → now says 0 shows 'Waived' and a blank brings back the default.
  • Checklist said not to zero out waived contingencies → now says enter 0 so the line reads 'Waived'.
  • Examples now state they use the 'Use business days' setting (unticked, the calculator counts calendar days rolled off weekends: closing Oct 5 instead of Oct 20).
  • Gave the blank-field defaults as business days → 10, 21 and 30 days, counted in calendar days unless you tick the business-day option
• Should You Offer 2/10 Net 30? The Supplier’s Side of Early-Payment Discounts
  • Said the calculator shows the exact cost per invoice → now per $1,000 invoiced (it has no invoice-amount input).
• How Much of a New Zealand Date Range Do You Actually Get to Work?
  • Said two 30-day windows would be quoted as 'about six weeks' → now 'about a month'.
• No Deposit Deadline for Your State? Why the Calculator Covers Sixteen and Refuses the Rest
  • Description said uncovered states quietly return 30 days → now says they return no date.
  • Title referred to a 30-day fallback that no longer exists → retitled around the 16 covered states.
  • Said Oregon returns a 30-day deadline (Sat 3 Oct) → now says the calculator returns no date for Oregon.
  • Said the 30 on screen is a fallback → now past tense: the fallback was removed.
  • Said uncovered states silently return 30 days → now says they're marked 'no data' in the picker and return no date.
  • Section described the 30-day default as current → now explains why it was removed.
  • Added that the calculator now refuses uncovered states.
  • Reframed the off-30 state list as the risk of assuming 30 days rather than a live tool default.
  • Weekend example moved from Oregon (no longer computed) to Texas (30 days → Sat 3 Oct); notes Arizona counts business days.
  • Arizona listed as 14 days → now 14 days excluding weekends and holidays (about 20 calendar days).
  • Checklist said uncovered states show the 30-day fallback → now says they get no date and to look up the statute.
  • Closing line referred to a default number → now says you supply the figure for uncovered states.
• Tax Filing Extensions: Don't Just Add Six Months
  • Said the tax deadline calculator gives the actual date → now notes it omits DC Emancipation Day, so e.g. 15 April 2028 shows Mon 17 April where the IRS deadline is Tue 18 April.
• T+1 Settlement: Counting Trade Settlement Dates After the Switch
  • Said Columbus Day and Veterans Day are normal settlement days → they are trading days but not settlement days (banks closed), so a Friday trade before Columbus Day settles Tuesday, not Monday.
  • Said a civil business-day calendar is wrong in both directions for settlement → a settlement day must be open on both the NYSE and bank calendars.
  • Said the T+1 calculator treats Columbus Day and Veterans Day as settlement days → it now excludes them along with Good Friday (Fri 9 Oct 2026 trade: Mon 12 Oct → Tue 13 Oct).
• The Final Paycheck Deadline: Why "Fired" and "Quit" Are Two Different Clocks
  • Said the final paycheck calculator returns the governing deadline for your state → it estimates one (next payday treated as 14 days) and has rules for only CA, NY, TX, FL and WA.
• Computing Civil Discovery Deadlines: FRCP 6, the +3 Mail Rule, and the Roll-Forward
  • Discovery-deadline post: said the weekend roll is applied after adding the three mail days → now says the period is rolled first, then the three days are added (FRCP 6(d) and its 2005 Committee Note).
  • Discovery-deadline post example: '34th day from the trigger', roll applied after the mail days → served Fri 1 May 2026: day 30 is Sun 31 May, rolls to Mon 1 Jun, +3 = Thu 4 Jun.
  • Discovery-deadline post: said certain electronic service adds three days → now says electronic service has not added days since the 2016 amendment; mail, clerk and other consented means do.
• Board Meeting Notice Periods: Counting Backwards From the Vote
  • Board-notice post: said the calculator counts back in business days only → it counts in calendar days, business days, weeks or months (your choice).
  • Board-notice post: said the tool shows a question/document deadline a week ahead → the tool shows the notice-by date only; set the earlier checkpoint yourself.
  • Board-notice post: 14 clear days 'needs 16 calendar days between', 'two days short' → notice on the 1st allows a meeting on the 16th; the ordinary count gives the 15th, one day short.
• Counting a Court Filing Deadline in New Zealand: Calendar Days, Working Days, and the Roll-Forward Rule
  • Implied the public-holiday calendar captures every court closure → now flags the 25 Dec–15 Jan period that court working-day counts also exclude.
• "Next Regular Payday" Is Not a Date: Pinning Down a Final Paycheck Deadline
  • Said states outside the five covered are scored against the next-regular-payday pattern → the calculator now returns no date for them (Massachusetts and Colorado require payment at discharge)

August 13, 2026: three code audits

Three audits read every calculator's arithmetic against the rule it implements, then ran each one through 1,210 boundary cases (blank fields, zero, reversed ranges, extreme years). These are the fixes that changed a date or number a visitor would see.

Holiday data, same day

Every calculator reads the same holiday tables, so these affected any count that crossed the dates involved.

• Was: Christmas and Boxing Day were moved off weekends independently and could land on the same date, where one overwrote the other. Now: They now move as a pair. Canada 2026, New Zealand and Australia 2027 each had lost Christmas; the UK’s 2027 Boxing Day substitute was missing (now Tuesday 28 December).
• Was: Victoria Day was the fourth Monday of May, which is a week late in 7 years out of 12. Now: The Monday on or before 24 May.
• Was: New Zealand’s Matariki dates stopped at 2030. Now: The full gazetted schedule to 2052, with a warning beyond it.
• Was: Canada had no National Day for Truth and Reconciliation; Australia’s national set had no King’s Birthday; the UK had no regions. Now: All added: 30 September in Canada from 2021, King’s Birthday on the second Monday of June, and Scotland and Northern Ireland as UK regions.

July 29, 2026: content-accuracy audit

Every calculator page's explanation was checked claim by claim against the code. 84 findings; where the code was wrong it was fixed, and where the text was wrong the text was.

Other changes

• October 12, 2026. Guides can now be scheduled, and new ones go out on Tuesdays and Fridays. The sitemap reports when each page's content last changed, instead of the time of the last build. This page was added.
• September 7, 2026. Guides carry their author's name. Advertising code was removed from pages with no content of their own (404, contact, privacy, terms).
• August 26, 2026. Each calculator is served in the page itself, with a worked result, instead of being assembled by script after load. 52 calculators cite the statute or regulation they apply, every calculator lists what it does not compute, and each page shows the date its rules were last verified. The methodology page was added, and the ten shortest guides were rewritten at full length.
• August 13, 2026. Reading times were recalculated from each guide's text (73 of 118 overstated it), and claims about 18 languages were removed; the site is English only.
• July 5, 2026. The SLA service credit calculator computed a breach deadline, not the uptime and service credit its name promised. It now measures business-hours downtime against the month's business hours and estimates the credit.

New guides

Every guide published on the site, newest first. The full list with summaries is on the blog.

October 2026 (7)

• October 23, 2026: A New Hire's First 90 Days by the Dates: I-9, First Payday, Probation and Leave
• October 20, 2026: Importing a Container: From Purchase Order to Cleared Goods Without Paying Demurrage
• October 16, 2026: Refinancing Your Home, Date by Date: The Rescission Window, the Funding Day and the First Payment
• October 13, 2026: One Weekly Meeting, Three Cities: Auckland, London and New York Through the 2026 Clock Changes
• October 12, 2026: Planning End-of-Year Leave for 2026: Bridge Days, the Real PTO Cost of Christmas, and the Working Days Left
• October 12, 2026: From Finished Work to Cash: A Freelancer's Invoice, Due Date, Discount and ACH Timeline Through the 2026 Holidays
• October 12, 2026: One Outage, Three Clocks: A Friday P1 From First Response to the Month-End Service Credit

August 2026 (2)

• August 12, 2026: No Deposit Deadline for Your State? Why the Calculator Covers Sixteen and Refuses the Rest
• August 5, 2026: Contingency Periods Don't Chain: Turning a Purchase Contract Into Closing Dates

July 2026 (69)

• July 29, 2026: "Next Regular Payday" Is Not a Date: Pinning Down a Final Paycheck Deadline
• July 27, 2026: Checking a Planned Trip Against the Schengen 90/180 Rule: The "As Of" Date Decides the Answer
• July 20, 2026: When a Trade Has Two Legs: Settlement Across Two Holiday Calendars
• July 20, 2026: The I-9 Clocks That Start After Day One: Reverification, Rehire, and Retention
• July 20, 2026: Reg CC "Available" Is Not "Cleared": The Date That Can Bankrupt You
• July 15, 2026: The Same-Day Filing Cutoff in New Zealand: Why Filing on the Right Day Can Still Be Late
• July 15, 2026: How Much of a New Zealand Date Range Do You Actually Get to Work?
• July 15, 2026: Should You Offer 2/10 Net 30? The Supplier’s Side of Early-Payment Discounts
• July 14, 2026: Working Out Your Last Working Day Under a New Zealand Notice Period
• July 14, 2026: When Does an NZX Trade Actually Settle? T+2 and the New Zealand Holiday Trap
• July 14, 2026: Counting a Court Filing Deadline in New Zealand: Calendar Days, Working Days, and the Roll-Forward Rule
• July 13, 2026: Counting Business Days in New Zealand and Australia (Where the Holiday Calendar Is Regional)
• July 13, 2026: Past the Date Rollover: The Overlap Window and the Daylight-Saving Drift That Break Global Team Scheduling
• July 13, 2026: Measuring a Span in Business Days and Business Hours (and Why They Disagree)
• July 12, 2026: How Many Business Days Old Are You? A Different Way to Measure a Lifetime
• July 12, 2026: What Date Is It, Really? Reading a Single Day Across the World’s Business Hubs
• July 12, 2026: How Many Working Days Are Actually Left in the School Term?
• July 11, 2026: Building an Event Planning Buffer: Count Prep in Business Days, Not Wishful Ones
• July 11, 2026: Construction Shutdown Weeks: Programme the Closure Before It Programmes You
• July 11, 2026: Scheduling a Run of Recurring Meetings Without Landing on a Weekend
• July 10, 2026: Counting Business Days Until a Deadline (Your Real Runway Is Shorter Than the Calendar Says)
• July 10, 2026: Comparing Carrier Delivery Dates: Why "3–5 Days" From Two Carriers Isn't the Same Promise
• July 10, 2026: Estimating Visa Processing Time: Count the Embassy's Business Days, Not Yours
• July 9, 2026: Reading a Rotating Shift Calendar: Which Days Are You Actually On?
• July 9, 2026: Counting Construction Working Days (Rain Days Included)
• July 9, 2026: JIT Reordering: Work Backward From the Line-Down Date
• July 8, 2026: Naegele's Rule: How Your Due Date Gets Calculated From One Date
• July 8, 2026: How Many Working Days Are Actually Left Until You Retire?
• July 8, 2026: Divorce Waiting Periods by State: Why the Same Filing Date Gives You a Different Finalization Date
• July 7, 2026: Patent Maintenance Fees and Trademark Renewals: The USPTO Deadlines That Arrive Years After You Stop Paying Attention
• July 7, 2026: Milestone Payment Schedules: Turn "Every 30 Days From Kickoff" Into Actual Dates Before You Sign
• July 7, 2026: How Long Does Customs Clearance Take? Estimating a Cleared-By Date You Can Plan Around
• July 6, 2026: Legal Notice Deadlines: Is It Business Days or Calendar Days? (Read the Statute First)
• July 6, 2026: Why Your Loan Payment Due Date Doesn't Land on the Same Day Every Month
• July 6, 2026: SLA Service Credits: "99.9% Uptime" Means Different Things Depending on What You Divide By
• July 6, 2026: The COBRA 60-Day Election Window Often Starts Later Than People Assume
• July 6, 2026: Laid Off on H-1B? What the 60-Day Grace Period Actually Covers (and Doesn't)
• July 6, 2026: EEOC Charge Deadlines: Why "180 Days" and "300 Days" Are Both Right, Depending on Your State
• July 6, 2026: Severance Agreements for Workers 40+: Why the Review Period Is Sometimes 21 Days and Sometimes 45
• July 6, 2026: The FDCPA Debt Validation Window Is 30 Days — But From Which Date?
• July 6, 2026: Chargeback Response Deadlines: Why Visa and Mastercard Count the Clock Differently
• July 6, 2026: Security Deposit Return Deadlines Range From 14 to 60 Days — Here Is Why It Matters
• July 6, 2026: Turning 65? The Medicare Enrollment Rule Nobody Explains Well: Born on the 1st, Shift Back a Month
• July 6, 2026: 1031 Exchange Deadlines: Why 45 and 180 Days Are the Two Least Forgiving Numbers in Real Estate
• July 6, 2026: Missed Open Enrollment? The ACA Special Enrollment Period Gives You 60 Days After a Qualifying Event
• July 6, 2026: Why Your Tax Refund Estimate Might Be Wrong: The PATH Act Hold Nobody Reads About Until It Affects Them
• July 6, 2026: When Do Unemployment Benefits Actually Run Out? It Depends on More Than the Week Count
• July 6, 2026: The 401(k) Deposit "Safe Harbor" Only Protects Small Plans — Here Is the Rule for Everyone Else
• July 6, 2026: FSA Deadlines: Grace Period, Carryover, and Run-Out Are Three Different Things That Get Confused Constantly
• July 6, 2026: Workers' Comp Has Two Deadlines, Not One — and the Shorter One Trips Up More Claims
• July 6, 2026: Federal Appeal Deadlines Are 30 Days — Unless the Government Is a Party, Then It's 60
• July 6, 2026: I-94 Expiration Isn't Just a Date — It Starts the Unlawful Presence Clock That Leads to Reentry Bars
• July 6, 2026: Passport Renewal Timing: The "6 Months Before Expiration" Rule Nobody Mentions Until You're at the Airport
• July 6, 2026: The Schengen 90/180 Rule Is Not a Calendar Quarter — It's a Rolling Window That Moves Every Day
• July 5, 2026: How Many Payable Workdays Are in This Pay Period? (It Changes Every Month)
• July 5, 2026: Purchase Order Lead Time: When Will the Goods Actually Arrive?
• July 5, 2026: The Friday-Afternoon Ticket: When Is First Response Actually Due?
• July 4, 2026: Your Company's Closure Days Break Every Standard Business-Day Count
• July 4, 2026: Bridge Days: The One-Day-Off Trick That Buys a Four-Day Weekend
• July 4, 2026: When Does a 90-Day Probation Period Actually End?
• July 3, 2026: "10 Business Days From Today" — Does Today Count?
• July 3, 2026: Business Hours vs. Calendar Hours: Why a Friday Ticket Isn’t 67 Hours Old on Monday
• July 3, 2026: How Many Working Days Are Actually Left Before the Year-End Break?
• July 2, 2026: Estimating Delivery Dates: Why Transit Time and Customs Buffer Aren't the Same Clock
• July 2, 2026: Counting Business Days When Your Company Doesn't Run Monday Through Friday
• July 2, 2026: How Many Office Days Is "Three Days a Week," Actually?
• July 1, 2026: How to Schedule Recurring Freelance Invoices (and Actually Get Paid on Time)
• July 1, 2026: Board Meeting Notice Periods: Counting Backwards From the Vote
• July 1, 2026: Cold-Chain Logistics: Matching Transit Time to Shelf Life

June 2026 (40)

• June 30, 2026: Your Fixed-Term Contract Ends on a Date. The Notice Deadline Comes First.
• June 30, 2026: Finding the Nth Monday (or Any Weekday) Without an Off-by-One Error
• June 29, 2026: The Gap Between Two Dates Is More Than One Number
• June 29, 2026: How Many Working Days Are Actually in Your Fiscal Year?
• June 29, 2026: The Probate Deadlines That Start the Day Someone Dies
• June 28, 2026: Why Project Milestones Slip: Count Business Days, Not Calendar Days
• June 28, 2026: Projecting a Court Date From Your Filing: Business Days vs Calendar Days
• June 28, 2026: Building a Pay Calendar: Why Paydays Move Earlier on Holidays
• June 27, 2026: When Does Your Warranty Actually Expire? Count Months, Not Days
• June 27, 2026: When Does Your Subscription Actually Renew? Months, Month-Ends and the Cancel-By Date
• June 27, 2026: When the Courthouse Is Closed: What Actually Extends a Filing Deadline
• June 26, 2026: You Just Left the Company. How Long Do You Have to Exercise Your Stock Options?
• June 26, 2026: Demurrage: Your Container Just Landed. When Does the Port Start Charging?
• June 26, 2026: The 21-Day Clock That Decides Whether a Letter of Credit Pays
• June 25, 2026: When Is the Bid Actually Due? Counting Backward From Tender Opening
• June 25, 2026: Manufacturing Lead Time: Why Your "8 Weeks" Keeps Slipping
• June 25, 2026: OPT, the 60-Day Grace Period, and the 90-Day Window: The F-1 Dates That Actually Matter
• June 24, 2026: The FCRA Pre-Adverse Action Waiting Period: How Long to Wait Before You Rescind an Offer
• June 24, 2026: Computing Civil Discovery Deadlines: FRCP 6, the +3 Mail Rule, and the Roll-Forward
• June 23, 2026: How Eviction Notice Deadlines Are Counted (and Why the Wrong Day Restarts the Whole Case)
• June 23, 2026: When ACH Payments Actually Settle (and Why Payday Math Is All Business Days)
• June 22, 2026: A Mechanic’s Lien Deadline Is Shorter Than You Think — and the Clock Already Started
• June 22, 2026: Served With Papers: When Does the Response Clock Actually Start?
• June 21, 2026: The FOIA 20-Day Clock: When Does an Agency Actually Have to Respond?
• June 21, 2026: The IRS Gave You 30 Days to Respond to a Levy Notice. Here Is How to Count Them.
• June 20, 2026: Reg CC: How Long Can a Bank Legally Hold Your Check Deposit?
• June 19, 2026: SEC Filing Deadlines: 10-K, 10-Q, 8-K and the Filer Status That Changes Everything
• June 18, 2026: Cooling-Off Periods: How to Count the Cancellation Deadline Correctly
• June 18, 2026: How PTO Accrual Works: Projecting Your Vacation Balance Month by Month
• June 17, 2026: The HIPAA Breach Notification Clock: 60 Days, and the Deadline People Forget
• June 17, 2026: Is "2/10 Net 30" Worth It? The Hidden Interest Rate of Early-Payment Terms
• June 16, 2026: The Final Paycheck Deadline: Why "Fired" and "Quit" Are Two Different Clocks
• June 16, 2026: How Many PTO Days Is a Two-Week Vacation? The Counting Mistakes That Cost Employees Days
• June 16, 2026: The I-9 Three-Business-Day Rule: Counting the Deadline Correctly
• June 11, 2026: The FMLA Return-to-Work Date: "12 Weeks" Hides Four Different Clocks
• June 8, 2026: The WARN Act 60-Day Notice: Counting the Earliest Lawful Layoff Date
• June 2, 2026: Statute of Limitations: How the Filing Clock Is Actually Counted
• June 2, 2026: The GDPR DSAR Deadline: "One Month" Is Trickier Than It Sounds
• June 2, 2026: T+1 Settlement: Counting Trade Settlement Dates After the Switch
• June 1, 2026: How to Count Business Days Between Two Dates (Without Miscounting Either End)

May 2026 (7)

• May 30, 2026: Net 30 Sounds Simple. When Is the Invoice Actually Due?
• May 29, 2026: Your SLA Clock Should Tick in Business Hours, Not Calendar Hours
• May 28, 2026: Calculating the Last Working Day of a Notice Period
• May 27, 2026: The 3-Business-Day Right of Rescission, Counted Correctly
• May 26, 2026: How Many Working Days Are in Each Month? It Depends on More Than the Calendar
• May 24, 2026: Projecting a Real Estate Closing Date From Contract Acceptance
• May 22, 2026: Tax Filing Extensions: Don't Just Add Six Months