Office supplies are all the supplies regularly used in offices by businesses and other organizations. It includes small, expendable, daily use items such as paper clips, post-it notes, and staples, small machines such as hole punches, binders, staplers and laminators, writing utensils and paper, but also encompasses higher-cost equipment like computers, printers, fax machines, photocopiers and cash registers, as well as office furniture such as chairs, cubicles, filing cabinet, and armoire desks. Two very common]citation needed[ medium-to-high-cost office equipment items before the advent of suitably priced word processing machines and PCs in the 1970s and 1980s were typewriters and adding machines.
Many businesses in the office supply industry have recently expanded into related markets]citation needed[ for businesses like copy centers, which facilitate the creation and printing of business collateral such as business cards and stationery, plus printing and binding of high quality, high volume business and engineering documents. Some businesses also provide services for shipping, including packaging and bulk mailing. In addition, many retail chains sell related supplies beyond businesses and regularly market their stores as a center for school supplies with August and early September being a major retail period for Back to school sales.
Finance is the practice]citation needed[ of funds management, or the allocation of assets and liabilities over time under conditions of certainty and uncertainty. A key point in finance is the time value of money, which states that a unit of currency today is worth more than the same unit of currency tomorrow. Finance aims to price assets based on their risk level, and expected rate of return. Finance can be broken into three different sub categories: public finance, corporate finance and personal finance.