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They say a messy desk is a sign of creativity (at least the messy people do) but wouldn't some organization be a breath of fresh air? Papers everywhere, not a pen in sight, and Post-Its floating around like a ticker tape parade may make it seem like you're working hard, but when your 2:00 meeting rolls in, your area looks more "pigsty" than professional. Get your items in order, clear your chaos, and you can still be as "creative" as before…just now you'll know where your staple remover is. Here are seven desk top items that add style, sophistication, and storage.

Gold 4 Cup Kiara Desk Organizer with Tray

Gold 4 Cup Via worldmarket.com

Give your desk the royal treatment by keeping your odds and ends neatly stowed away in cups of gold. The Gold 4 Cup Kiara Desk Organizer with Tray adds a high-end touch to your workspace, keeping your things in order while serving up stylish appeal. The golden metal cups are attached to the tray, so everything stays in one area, leaving you plenty of desk space to work. Place your pens, paper clips, thumbtacks, and other items in the gold cups, giving way to a tidy space that shines.

Cost: $22.49 (on sale!)

PBteen Organize It System Homework Caddy

PBteen CaddyVia pbteen.com

While this caddy is catered towards tweens and teens, anyone can make use of this fashionable and functional setup, perfect for office or cubicle use. The PBteen Organize It System Homework Caddy is just as effective for workplace organization, with handy places to keep desk supplies, a calendar for marking appointments, and other areas for notes, reminders, and everyday to-dos. Hang on the wall for convenience and a clearer desk top, and transform your space into something more stylish.

Cost: $9.99 - $34.99 (various size options)

Mind Reader Axel Desk Organizer with Charging Station

Mind Reader Via bedbathandbeyond.com

Keep your space sleek, "juice" up your tech gear, and even tuck your keyboard away with one snazzy on-desk organizer. The Mind Reader Axel Desk Organizer with Charging Station is super for maintaining an organized desk with all the bells and whistles you need for modern convenience. You can even place your coffee mug on top when you need a full desk for papers and projects. Charge your devices, confine your gear, and feel put together when everything has its place.

Cost: $19.99

Lipper 4-Tier Bamboo Desk Organizer

Lipper 4-TierVia bedbathandbeyond.com

Stow away your staples, spreadsheets, and everything in-between inside the Lipper 4-Tier Bamboo Desk Organizer. Use the top shelf for easy reach, the storage shelf for books or files, and the bottom drawers for items you want to keep out of site. The natural bamboo is neutral and classic, the design is simple and sturdy, and you'll feel much better about the state of your desk top when everything is orderly and organized.

Cost: $25.99

White House Marketplace Three Bin Desk Organizer

White House MarketplaceVia thewhitehousemarketplace.com

Rustic and reliable, the White House Marketplace Three Bin Desk Organizer is a "shabby chic" storage piece for a desk that's prone to become untidy. Various compartments of different sizes provide space for the usual desktops items that haven't had a "home" until now. The handle and fixtures add a nice touch when you want something eye-catching as well as organizational.

Cost: $24.49

Offex Supplies Organizer

Offex Via overstock.com

Bold and beautiful with a carousel shape and lots of labeling, the Offex Supplies Organizer will turn your previously disheveled desk into a cleaner corner. This organizer rotates for convenience as you keep the essentials in order yet ready when you need something in a snap. Made of all wood and richly colored in deep brown, this supplies organizer will be the centerpiece of a much cleaner workspace.

Cost: $55.99

Tilt Desktop Storage Bin

Tilt Storage BinVia ldproducts.com

Placed on your desktop or mounted to the wall, the Tilt Desktop Storage Bin is the perfect way to stock supplies nicely and neatly within reach. The clear bins let you peer inside so you know where everything is without rummaging through drawers like you used to do. Fill them up with pens, pencils, tape, note pads, you name it. All of your supplies will be stocked seamlessly.

Cost: $25.39

A clear desk = a clear mind. Get organized!

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The Federal Reserve sets the guardrails for the federal funds rate, and through that helps control the money supply for the nation.

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 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.

Getty Images/Maria Stavreva

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