Beauty Confessions: I Was Loyal to Benefit Concealer Until I Discovered a $10 Drugstore Sub
Confession: I’ve always had super dark undereye circles, so even the tiniest bit of concealer makes a big difference for me — that’s why concealer has been a daily must-have of mine for years. I’ve tried *so* many, though, and have learned the hard way that it’s difficult to find the perfect formula that provides solid coverage but doesn’t get cakey or settle into lines. I’ve found some to be chalky, while others are too sheer and, worst of all, some that fade away in less than an hour after they’re applied. Not cool, concealer, not cool.
I’ve always been a proponent of using a high-quality concealer, and had been pretty loyal to my Benefit Boi-ing Concealer ($20). After a while, I started to notice it was creasing and not very brightening and I was sick of shelling out department store prices for products I wasn’t totally loving. Unintentionally, I went to the drugstore to pick up a prescription but ended up leaving with the best concealer I’ve ever used in my life: Maybelline Instant Age Rewind Dark Circles Eraser Concealer + Treatment ($11). It’s simply *the best.* I use it for more than hiding dark circles, it stays on forever and is super affordable. Not gonna lie — I’ve converted a handful of friends from their brand-name concealers to this one and they, too, have never looked back. Let me explain why:
WHY I LOVE THIS DRUGSTORE CONCEALER
What It Is: This concealer is straight up awesome for making it look like you slept for 12 hours even though you definitely didn’t come anywhere close ;) Seriously though, the super-creamy, felt-tipped concealer has ingredients that work to actually *treat* your dark circles in addition to totally covering them up, so get ready to look well-rested, bright-eyed and bushy-tailed in seconds. It also works really well as a highlighter in a pinch.
Where You Can Find It: You can buy this concealer at any drugstore or online.
Who Should Use It: If you have under eye circles, puffy eyes and/or wrinkles around the eye area, you should give this concealer a try. It’s also great for general discoloration — for example, if you have slightly transparent skin on your eyelid, redness or noticeable veins — because its delicate formula will cover everything up without irritating your skin at all. People who want to completely hide their dark circles and add definition to their faces should use this!
When + Where You Should Apply It: Use this stuff in the mornings when you’re doing your normal makeup routine. The blendable and buildable formula allows it to be versatile in the sense that you can apply it before or after you put on the rest of your face makeup — it won’t look cakey, promise! This concealer is also great for when you need to give yourself a mid-day refresher and brighten up your eyes. It’ll blend flawlessly into the rest of your makeup without causing a line of different products to form. On the highlighting side of things, this product works really well to highlight the high points of your face — and its circular applicator makes putting it on super quick and basically foolproof. The design of the sponge tip also allows you to essentially draw on (as if you were holding a paintbrush) the highlight. You can contour your nose (draw down the center with the concealer), lighten up your cupid’s bow (pat it on in the middle) and highlight your cheekbones with this product — just use a makeup sponge, like a beautyblender, to blend it all in afterward.
Why This Is My Beauty Confession: This product is my holy grail concealer — hands down, it’s the best I’ve EVER used, and I’ve used a ton of them. I can’t go a day without it and don’t even consider using any other concealers because I am so happy with this one on all fronts. It’s easy to throw in your purse, does what it’s supposed to do (and more) and is affordable. I have one at home and at the office because dark circles are *never* cute.
What is your favorite concealer? Share your fave in the comment section 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