pbteen

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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It's easy to forget that the presidency of the United States is a government job just like any other–in that it comes with a stipulated salary and benefits.

But regardless of their bombastic rhetoric or self-serious public image, politicians are like all other government employees. The president, vice president, and legislators earn an annual income from the government in exchange for their duties, which include: executing/circumventing the law, upholding/withholding the civil liberties of American citizens, and legislating/sabotaging how societal institutions meet the needs of citizens, from healthcare to education.

If you've ever wondered what American politicians earn for all their hard work arguing across the aisle and starting Twitter feuds, look no further:

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Or maybe you're just starting your career, and looking for something that won't take over your life but will still provide you with a good living. Whatever reason you have for looking for a high paying, low-stress job, you've come to the right place. We've compiled a list of the top 5 jobs that promise a solid paycheck without taking too much out of you.

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What do you do when financial hardship hits and you can't make your monthly mortgage payments? This is a question on many homeowner's minds as nearly 17.8 million Americans are reportedly unemployed during the coronavirus pandemic.

When homeowners face financial hardship, such as the loss of a job, they often look to obtain a forbearance agreement from their lender. A forbearance happens when your lender grants you a temporary pause or reduction in monthly payments on your mortgage. Forbearance is not the same as payment forgiveness, in that you still have to pay the entire amount back by an agreed-upon time.

Mortgage lending institutions differ on their mortgage relief policies and qualifications; however, the Coronavirus Aid, Relief, and Economic Security (CARES) Act were signed into law in late March of this year to protect government-backed mortgages.

Federally backed mortgages include:

  • Fannie Mae
  • Freddie Mac
  • The Federal Housing Administration (FHA)
  • The US Department of Veteran Affairs (VA)
  • The US Department of Agriculture (USDA)

Under the CARES Act, homeowners with a federally backed loan who either directly or indirectly suffer financial hardship due to coronavirus automatically qualify for mortgage forbearance.

Even if your mortgage is not secured by one of these agencies, you still can call and see if you qualify, as many lenders will still offer the option in order to avoid foreclosures.

Under the CARES act, homeowners can claim mortgage forbearance due to financial hardship from COVID-19 for up to 12 months without requiring any documentation or verification. During the forbearance period, mortgage lenders cannot charge late fees or penalties.

Additionally, as long as your mortgage is current at the time you claim forbearance, the lender is required to keep reporting your mortgage as paid current throughout the entire period.

At the end of the forbearance, the CARES act protects consumers from having to make a lump sum payment. Instead, you will be given a repayment plan from your provider. Since repayment options vary, it's important you ask your provider about all of your repayment options.

Possible Repayment Options:

You may be eligible for a loan modification at the end of your forbearance. With modification, the mortgage terms are changed in order to add payments that were missed during the forbearance onto the end of the loan, extending the term.

Another option that may work for some is a reduced payment option. This allows you to keep paying monthly payments at a reduced amount. The amount missed is usually added back into the monthly payments at the end of the forbearance.

For example:

Regular payment: $1000 per month

Reduced payment: $500 per month

Payment after forbearance period: $1500 (until caught up)

Balloon payments, or lump sum payments at the end of the forbearance, are prohibited under the CARES Act. However, mortgage lenders may require homeowners who are not protected under the CARES Act to make a balloon payment at the end, so again it is best to check first with your provider.

Mortgage forbearance should only be considered in true financial hardship. In other words, just because of the pandemic, you should not take a forbearance on your mortgage if you can still afford your payments. Likewise, if you are able to start making payments before the forbearance period is up, it's best to do so as soon as possible.

The Next Steps:

Before you get in touch with your mortgage servicer, save time by gathering as much documentation about the mortgage as you can. Also, be ready to list your income and monthly expenses. Due to an influx in calls, financial institutions are experiencing extremely long wait times right now, and having your information at the ready will help.

Have questions ready to ask. Here are some questions you should be asking:

  • What fees are associated with the forbearance?
  • What are all the repayment options available to you at the end of the forbearance?
  • Will you be charged interest during the forbearance period?

If your forbearance is approved, make sure to keep all documentation pertaining to it. Make sure to cancel any automatic payments to the mortgage during the forbearance period, and keep tabs on your credit report to make sure your lender doesn't report the loan as unpaid.


For more information on forbearance, contact your lender and discuss your options. If you need more assistance with understanding your options, you can contact a local agent for the housing counseling agency, or call their hotline at 1-800-569-4287.