Looking sharp is part of being the best "you" you can be. Along with a put-together wardrobe, a chic and fashionable briefcase shows off your personality and sense of style. Not to mention, it holds all your belongings in an organized manner as you transport your work needs from point A to point B. Here are seven briefcase options you'll love.
Cabrelli Victoria Houndstooth Laptop Rollerbrief
Roll into the office with a rollerbrief that is functional and fashionable. With the Cabrelli Victoria Houndstooth Laptop Rollerbrief, you can either carry your bag the "old fashioned" way or pull it along on wheels. The black and white houndstooth design is classic and cool, matches with any outfit, and is super-roomy for your laptop and other personal belongings. The front pocket is perfect for items you need to access easily, like your keys or compact. On sale now, so snap one up and add some "wow" to the workplace.
Dasein Slim Briefcase with Removable Shoulder Strap
Sleek and smooth, and available in 10 vibrant colors, Dasein Slim Briefcase with Removable Shoulder Strap is elegant and easy, perfect for stashing your business essentials. Filled with lots of useful fully-lined compartments and made with easy-to-clean fabric, the well-structured briefcase is as user-friendly as it is fashion-forward. Carry by the handle or throw over your shoulder and you're off to the office looking put-together and well-prepared.
Scully Squadron School Bag
Leather has never looked better than it does on this school/office bag. Scully Squadron School Bag is rugged and rich-looking, with plenty of room for all the workplace essentials. There is a handle and an adjustable shoulder strap, providing carrying convenience for on-the-go types who like to change it up. The metal hardware accents are classic and add a nice finishing touch to an all-over in-style bag. The rich chocolate brown shade is super-luxe-looking and never goes out of style. Style up your suit and tie with a Scully Squadron on your side.
Timberland Nantasket Briefcase
Canvas and leather make for a winning combo as they pair up to put together this Timberland Nantasket Briefcase. Roomy and well-made, this briefcase is designed to hold office gear neatly, and there is even a padded laptop/tablet sleeve for extra protection for your valuables. The straps are adjustable and removable, and the pockets provide lots of additional storage space for items of all sizes. The navy blue/brown color duo is stylish and simple, perfect for use every day, any season.
J.W. Hulme Co. Portfolio Briefcase
Handmade and handsome, the J.W. Hulme Co. Portfolio Briefcase in graystone canvas is super-sophisticated and ultra-stylish, proving a classic and creative design makes a briefcase brilliant. Solid brass hardware provides the finishing touches that make this briefcase high-end and elegant. The leather trim and handles are of the best quality and the roominess is generous yet compact at the same time. This bag comes in all-leather too - in black, and two shades of brown.
Clava Unisex Tuscan Top Handle Brief
Soft leather is so lovely, making the Clava Unisex Tuscan Top Handle Brief stylish and smooth. Lots of pockets, slots, and compartments are perfect for the uber-organizer who prides themselves on being neat and coordinated. There's a shoulder strap that can be detached when not in use and is adjustable to fit your body. This briefcase comes in three rich colors – café, black, and tan – neutrals that work well with any wardrobe.
Solo Pilot Slim Brief
For the minimalist who doesn't have much to lug to work but still needs a carry-all for the day-to-day, the Solo Pilot Slim Brief is a sensible briefcase that is affordable and attractive. Padded for protecting laptops and tablets, the fabric bag is durable and detailed with classy trimming and handles. The gray/tan combo is neutral and understated so it goes well with any attire. Slim is in, and Solo Pilot is keeping it sleek.
For more bags from buckets to backpacks and everything in-between, check out these beautiful bags for the career woman. Carry it all with chic confidence!
When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.
A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.
One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.
The Federal Reserve
The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.
This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.
The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.
Whether you're leaving a job involuntarily, departing for something new, or just want to prepare for the unknown, it is smart to understand all your options regarding your 401k.
Frugal gifting often gets a bad reputation. However, this shopping method does not make you cheap — it makes you practical. Frugal gifts often avoid waste and overspending and can be just as meaningful (if not more so) as any other present.
With the National Retail Federation predicting each consumer this holiday season to spend upwards of $1,000 on holiday gifts amidst an economic recession —this year might be the perfect time to reconsider your spending budget. We've formulated the ultimate list of frugal gift-giving ideas to get you started.