You could have a desk like everybody else's, or you could make it stand out. Bring your personal style into the office and make your desk your own. Here are some of the best places to buy unique, fun, and beautiful office supplies.
Hey, you're already here for dish soap, aren't you? Target also has great office supplies! Check out the affordable meets glam line of office supplies by Nate Berkus. Deck out your desk in gold accented pieces to stand out from the crowd. Whether you want hammered gold letter sorter, shining pencil holder, or a glittering tape dispenser, you can up the drama. Skip the typical office attire for this glam glow up.
If you want a whole office renovation or just a couple of desktop organizers, Wayfair has you covered. Interesting desks, unique office chairs, aesthetically pleasing filing cabinets, Wayfair has it all. They also are incredibly wide-ranging in their decors, so whatever your personal style is, it will be represented. If you head there and get scared by prices, don't panic because there are plenty of products available in every price range! Don't know which direction to decorate; check out their awesome room ideas!
If you have a very specific design theme in mind based on your favorite book, tv show, or video game, then check out Think Geek. They have things that are useful, but they also have just plain fun desk decorations. Bring out your inner geek, have the most interesting desk, and fill your space with all of your favorite fandoms.
If you're looking for a desk upgrade that won't cost too much, then check out Poppin. They specialize in colorful modern office supplies that add something new without breaking the bank. The bright colors bring the fun while the sleek lines add a sophisticated element that makes this aesthetically pleasing.
Sky's the limit with Amazon office supplies. Any aesthetic you choose for your desk is right at your fingertips. Go cute and whimsical, modern sophisticate, or full-on glam with every kind of office product you could need. I mean, it's Amazon! There are a million things waiting for you, but you just have to head down the rabbit hole and seek them out.
Office supplies never stood a chance against this fashion mogul. A mix of modern and classic styles from a high end expert, they have a more quirky approach to office supplies that doesn't really feel childlike... more fun adult with a twist. Whether you're looking for boho styles, standout metallics, or whimsical goods, you'll find what you need.
One of your favorite clothing and home goods store also has some gorgeous office supplies. Let's be honest it's all about rooting through your stores' specific products and seeing if there is a diamond in the rough, but the online store is a good bet if you are looking for something specific. So next time you're on the hunt for a maxxinista deal, go check out what hidden gems are lying amongst the large buddha heads and scented candles.
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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.