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Author

Tory Stearns

Tory has been writing for over 10 years and has built a strong following of readers who enjoy his unique perspective and engaging writing style. When he's not busy crafting blog posts, Tory enjoys spending time with his friends and family, traveling, and trying out new hobbies.

Finance

How to Calculate YTM With Coupon Rate

Tory Stearns
The yield to maturity (YTM) calculation provides a way to compare bonds of different coupon rates and prices. YTM also gives an accurate representation of the actual return an investor will receive and hold the bond until maturity and the…
Finance

How to Claim E Bonds

Tory Stearns
The United States Treasury issued Series E bonds from May 1941 through June 1980. Series EE bonds replaced Series E savings bonds. Series E Savings Bonds have face values of $25.00, $50.00, $75.00, $100, $200, $500, $1,000, $5,000 and…
Careers

How Do I Type an Eviction Notice?

Tory Stearns
As a landlord, it's sometimes your responsibility to let tenants know that they're being evicted, the reasons for this, and when they need to vacate the premises. In following the suggested template here, make sure all information is…
Careers

Water Cooler Safety

Tory Stearns
Water coolers not only provide refreshing water to employees but can also act as the proverbial place to catch up on any gossip that's going around the office. Although water coolers act as a great convenience, they also require certain…
Finance

Factors That Influence Bond Rates

Tory Stearns
A bond is a kind of debt security, in which the party that sells the bond agrees to pay back the bond purchaser the initial investment, plus interest, at a later date. The bond's rate is the amount of interest the bond issuer agrees to pay.…
Careers

Fun Customer Service Training

Tory Stearns
Employees' attitudes can directly impact a business. Customers treated carelessly by frustrated workers or with indifference probably won't return. One fun way to get your employees to recognize and adopt good customer service skills is…
Legal

Inheritance Tax Estate Planning

Tory Stearns
Technically speaking, an inheritance tax is different from an estate tax. The latter is a tax on a decedent's gross estate, while the former is levied against the share an individual receives of an estate. For practical purposes,…
Careers

How to Write a Proper Business Email

Tory Stearns
Communication in the workplace is essential, and email makes communication simple. Most people use business emails regularly in their jobs while some people depend on this source of communication every day. Emails that are sloppily…