
We love summer, but summer doesn’t always love us back. There are sunburns, bug bites, weird tan lines and the worst of them all: frizzy hair. Whether it be adorning our hair with tactfully tied scarves or teasing it until our volume is impressively in place, we’ve come up with 16 humidity-masking hair tricks that will fight the frizz.
1. Scarf Headband ($16): Whether you’re wearing your hair up or down, a scarf headband is a convenient way to add both flair and polish to your look while taming those little flyaway hairs.
2. Keep Backcombing: Since our hair is virtually always up during the summertime, teasing your crown is a perfect way to add some volume to an updo. (via Cara Loren)
3. Coconut Oil: Towel dry your hair, rub in a little bit of coconut oil, and roll it into a bun; when you pull it out, you’ve got a really lovely dried wave and the coconut oil seals it. (via The Every Girl)
4. Wear Headbands: With this hippy headband you can incorporate some festival style, stay cool and keep your hair out of your face. (via Brit + Co)
5. Rinse Cold: Right before you get out of the shower, blast your strands with the coldest water you can stand. This step will help seal the cuticle, helping to put major frizz like this in its place. (via Bella Sugar)
6. Deep Condition: An intense conditioner is a first start for hair rehab; for best results, apply the conditioner, put on a plastic cap and wrap with a towel for five to 10 minutes. (via Free People)
7. Fine Hair Help: If you have fine hair like Jennifer Aniston, try washing it every two to three days when it’s humid and stay away from heavy conditioners so hair can maintain its body without looking greasy and oily. (via Daily Makeover)
8. DIY Hair Serum: Seal your hair before and after with a moisturizing serum to get things completely under control before you venture outside. (via Brit + Co)
9. Apple Cider Vinegar Rinse: The acidity of apple cider vinegar does wonders to smooth frizzy hair, and as an added plus gives it a great healthy shine. Pour it over your hair after shampooing and then rinse with cold water to achieve the ulimate shine. (via Free People)
10. Embrace The Curls: Sometimes it just looks better to let nature take over and enhance your natural waves with a bit of beach spray and serum on the ends. (via How Does She)
11. Texturize and Spray: To manage thick hair like Leona Lewis, use texturizing creams and sprays to help create more movement and give locks a frizz-free shine. (via The Daily Makeover)
12. DIY Strand Strengthener: The proteins in gelatin can help repair damaged hair making it less prone to frizz, so put that Jello to good use with this hair mask recipe! (via Redbook Mag)
13. Clear Mascara: Instead of weighing your hair down with heavy oils, tame flyaways around your root area with a clear mascara wand: just brush, smooth, and go! (via Byrdie)
14. Frizz For Natural Hair: Gals with natural hair like Jordan Sparks should try to avoid alcohol-based products as they tend to dry out hair, which can lead to frizz.
(via The Daily Makeover)
15. Skip Shampoo: Shampoo can dry out your your hair’s natural oils, so every other time you wash your hair, try skipping shampoo, or using half of what you would normally use. (via Byrdie)
16. Pony Love: If all else fails, remember ponytails are your friend and just pull everything back into a perky updo! (via Brit + Co)
What hair tricks do you use to fight the frizz? Let us know in the comments below!
Welcome to Selfmade Finance School, our new money series with Block Advisors to help small business owners with their tax, bookkeeping, and payroll needs year-round. This week, we explore the tax implications of bringing family members into your business.
The question for today is this: Does hiring your family members make sense for your business? Let me be clear. This is not a piece about whether hiring your family members makes sense for your relationships with those family members. As someone who is part of a family business, I could fill up a lot more than 600 words on my opinions about that. For today's purposes, we focus on whether it makes sense from an overall "good business and tax implication" perspective. As it turns out, there is a decent amount of tax nuance when it comes to employing your family. Let's break it down based on relationship to the employee:
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Spouses Who Are In Business Together
Personally, if I had to be in business with my husband, it would not go well. However, many couples build viable, strong businesses together and I say, good for them! Depending on how you have your business entity structured, it will make a big difference on the tax treatment of you and your spouse working as partners. Because a business jointly owned and operated by a married couple is generally treated as a partnership for Federal tax purposes, the spouses must comply with filing and record keeping requirements imposed on partnerships and their partners. The election to file two Schedule C (Form 1040) forms, (one for each spouse) permits certain married co-owners to avoid filing partnership returns, provided that each spouse separately reports a share of all the businesses' items of income, gain, loss, deduction, and credit. Under the election, both spouses will be subject to self-employment tax and on net earnings from self-employment and receive credit for Social Security earnings.
One Spouse Employs Another
If you have a dynamic where your spouse is an employee of your business, then your spouse's wages are subject to income tax withholding, Social Security and Medicare taxes. If you are self-employed (not a corporation or a partnership), your spouse's pay does not have to be included in your federal unemployment tax account (FUTA) contributions and payments. However, if your business is a corporation or a partnership you must include that spouse's pay in your unemployment tax contribution calculation.
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You Employ Your Child
First, let's be clear. I work in my family business, but I am an adult, so I am treated just like a normal employee. However, if you, for example, run a family restaurant and want to hire your children under 18 to work for you, there are some tax benefits. But first, you should check with your state for rules on how many hours minors can work (in non-agricultural jobs) and reference the Fair Labor Standards Act for information on limitations on the kinds of work children can perform.
"This is an often overlooked or under-utilized strategy. Paying your children for true services they provide in your business can be a powerful tax-saving tool," says Cathi Reed, Block Advisors Regional Director. "If you are a sole-proprietorship or single member LLC, and the child is less than 18 years of age, the business is not required to withhold FICA or payroll taxes. The child can use his or her standard deduction against income you pay."
You Hire Your Parent
Oh dear. If you are brave enough to do this, know that you will need to pay Social Security and Medicare taxes on your parent's wages and make the appropriate withholdings, but you don't have to pay unemployment taxes. Now all you have to do is convince your parent that you are the boss. Have fun with that!
Is Hiring Family Members Worth It For The Tax Benefits?
"There are some positive tax advantages to hiring family members. It's important to treat a family member like any other employee. Hiring your children can result in substantial savings for businesses. Make sure your child has real, age-appropriate work to do and a reasonable pay rate, comparable to other employees. Consult with a Block Advisors small business certified tax pro to ensure that you are complying with all requirements," advises Reed. "Block Advisors, a team within H&R Block, is dedicated to meeting the tax, bookkeeping and payroll needs of small business owners year-round. To start working with the tax experts at Block Advisors, visit blockadvisors.com."
In my opinion, you should not hire a family member solely because of the tax benefits. You should always hire based on whether that person is right for the job and keep in mind how this hire could materially impact your relationship with that person and others in your family. Finally, as I mentioned, make sure you have a tax professional on your team when making these determinations. As you can see, things can get a little tricky!
*All details were sourced from IRS.gov and blockadvisors.com
The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Investment Services, LLC or Kestra Advisory Services, LLC. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regards to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. O'Keeffe Financial Partners and any other entity listed herein is not affiliated with Kestra IS or Kestra AS Investor Disclosures: https://bit.ly/KF-Disclosures