Tory Stearns

Tory Stearns

Edits practical household, travel and lifestyle explainers. Claims that can change are linked to current primary or subject-authority sources.

How to Find the Value of Corporate Bonds

Finance

How to Find the Value of Corporate Bonds

Corporate bond value is not just the coupon. Learn how quotes, par value, accrued interest, TRACE trades, yield, credit risk, and calls affect price today.

How to Write Business Letters & Memos

Careers

How to Write Business Letters & Memos

Business letters and memos work best when the purpose is clear, the reader can act quickly, and the tone stays direct, polite, and specific every time.

SSI & Funeral Benefits or Coverage

Legal

SSI & Funeral Benefits or Coverage

SSI does not work like funeral insurance. Learn what the $255 Social Security death payment covers, who may qualify, how to apply, and what records to keep.

Etiquette for Cubicle Humor

Careers

Etiquette for Cubicle Humor

Cubicle humor should be checked against audience, timing, volume, harassment risk, shared space, power dynamics, and whether it helps work. without guesswork

How to Calculate YTM With Coupon Rate

Finance

How to Calculate YTM With Coupon Rate

YTM is not the coupon rate. Learn the inputs, spreadsheet method, clean price issue, callable bond caveat, and sanity checks for bond yield before investing.

How to Claim E Bonds

Finance

How to Claim E Bonds

Old Series E bonds may still be claimable, but ownership, maturity, lost bond forms, estate authority, name records, and tax reporting matter before cashing.

What Makes Bond Yields Go Up & Down?

Finance

What Makes Bond Yields Go Up & Down?

Bond yields rise and fall because prices, inflation expectations, credit risk, maturity, liquidity, tax treatment, and policy expectations keep shifting.

Water Cooler Safety

Careers

Water Cooler Safety

Water cooler safety covers potable water, sanitary dispensers, cup hygiene, spills, bottle lifting, shared surfaces, cleaning schedules, and reporting problems.

Factors That Influence Bond Rates

Finance

Factors That Influence Bond Rates

Bond rates move with inflation expectations, maturity, issuer quality, liquidity, taxes, supply, demand, call terms, and investor appetite for risk clearly.

Fun Customer Service Training

Careers

Fun Customer Service Training

Fun customer service training works when games practice real skills: listening, empathy, product knowledge, de-escalation, handoffs, and recovery language.

Inheritance Tax Estate Planning

Legal

Inheritance Tax Estate Planning

Inheritance tax and estate tax are not the same. Learn how state rules, exemptions, trusts, gifts, beneficiary forms, liquidity, and reviews shape a plan.

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