Feng Shui is about manipulating how energy flows through your space. By manipulating this energy you can reinvent your space. Using Feng Shui in the office is all about organizing in a way that makes you feel energized, focused, productive, and powerful. Without making big changes you can retake control. So use these Feng Shui steps to harness your offices' chi for your success.
Step 1: Declutter Your Desk
The first thing you need to do for any Feng Shui is to declutter. If you want to manipulate your space's energy you can't have anything blocking or clogging it up. There's a mentality that if you have everything on the surface you'll find it easier but it really distracts you and slows you down. Cluttered desk = cluttered mind so take everything off the surface and organize it out of your sightline.
Step 2: Find Your Power Position
A principle of Feng Shui is that your chair should always see the door. It makes sense why that's the command position, because you have heightened awareness of your surroundings. This isn't typically possible for a cubicle so make your space your own by creating a barrier. You don't want to be face to face with anyone.
Step 3: Consult the Bagua
A bagua is an energy map that will help you organize your space by bringing the power of intention. There are two different styles so pick which one is best for you. It's all about inviting energy into specific areas that you want to focus on in your life; ie. wealth, family, creativity etc. To use the bagua make a simple map of your space then break it up into 9 equal sections. You then place significant objects in the corresponding area. A plant can invite in wealth, a photo of a loved one can help your relationship, and it's all about exploring what is important to you. You can do this over your entire office, or on your desk.
Step 4: Bring Nature into Your Space
Plants, running water, and elementals are a crucial part of Feng Shui. They invite life into your space and living plants help the chi flow around while also filtering out air pollutants. If you don't think your office could sustain a plant check out this fantastic list of options. Water can be tricky and if you can't have a fountain consider artwork that is H2O inspired.
Step 5: Make Sure There's Balance
Balance is key so make sure that everything is in harmony with each other. To do this you should think about all different kinds of balance. The forces of yin and yang can be seen as more than darkness vs. the light and are often equated with feminine and masculine energy. The elementals wood, earth, metal, fire, and water should also be balanced in your office. Most offices start out full of fire and metal, namely the lights and your computer or filing cabinets. To balance you need to bring in elements of wood, earth, and water for a calming and focusing effect. Plants work wonders. Earth and water colors or artwork are great substitutes for real nature. Remember it's your office, so do whatever feels right to you.
If you follow these 5 simple steps you are sure to increase the energy flow of your office, bringing in positivity and harmony. This can help you stay focused, energized, and inspired in an otherwise stifling environment. Use these tools to help you achieve your optimal Feng Shui so that you can achieve all the success you deserve.
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.