The weather is (finally) heating up, which can throw your daily haircare routine for a loop. While you crave gorgeous, polished tresses, standing under a hot blow dryer or wielding a curling iron is not your idea of summer fun. All that heat styling isn’t just uncomfortable — it can also lead to lots of damage. If you’re looking for a fuss-free way to style your hair, air-drying is your best low-maintenance option. Luckily, there are many products out there to help you get effortless style, no matter your hair type.
John Frieda Frizz Ease Dream Curls Air Dry Waves Styling Foam
This affordable foam is your new best friend for creating soft and frizz-free hair.
Bumble and Bumble Bb. Don’t Blow It Thick (H)air Styler
Straight or curly – thick hair can be a chore to air-dry alone. However, this nourishing creme tames frizz and flyaways, so you can wash-and-go worry-free. Bumble and Bumble also has a version for fine hair.
Kristin Ess Hydrating Curl Defining Creme
Ladies with wavy and curly hair, you don’t need to spend all day getting the look you want. This hydrating product enhances your natural curl and creates clean, defined, and enviable coils.
Cantu Coconut Curling Cream
Tight, coiled, or coarse hair can actually be a breeze to air-dry when you use this highly moisturizing coconut cream. It not only creates defined ringlets but also leaves your hair super-soft.
Living Proof Perfect hair Day In-Shower Styler
Straight or wavy hair needs a styler that’s not too heavy, and this light in-shower cream is the ultimate no-maintenance hair solution. It not only enhances waves and tames frizz but also adds volume for people with fine hair.
Rahua Freestyle Texturizer
Speaking of fine hair, it can be difficult to let your locks dry naturally without them feeling limp or lifeless. Pump on this lightweight foam, and you’ll be amazed at how gorgeously voluminous your hair will be.
IGK Sunday Funday Texture Foam
Tired of crunchy curls? Unlike your regular mousse, this foam is not sticky, is humidity resistant, and leaves your hair soft.
Redken No Blow Dry Just Right Cream For Medium Hair
Going heat-free is NBD with the right product. This cream speeds up your hair-drying time, which is a dream come true for wavy or curly haired women out there who crave effortless style. It also comes in formulas for fine hair and coarse hair.
R+Co Rockaway Salt Spray
Beachy waves are the ultimate air dry style. A volumizing salt spray enhances your curl and makes everyone think you just got back from lounging in the sun.
Pureology Hydrate Air Dry Cream
Every girl knows that if she wants stress-free locks, she needs to hydrate, hydrate, hydrate. Just like the rest of your body, your hair craves moisture to stay healthy and springy.
Madame C.J. Walker Beauty Culture Coconut & Moringa Oils Curl Whip Styling Souffle
A lot of products out there say they’re for all hair types, but this one really means it. The lightweight formula gives you control and keeps hair bouncy – no matter your type.
Ouai Air Dry Foam
Touchable, tousled hair sounds like nothing more than a daydream, but you can turn it into a reality. This “wash and wear” formula enhances your natural wave and keeps your hair shiny.
Kinky Curly Original Curling Custard Natural Styling Gel
This isn’t your run-of-the-mill styling gel. It adds shine without crunch and offers long-lasting hold, so you can turn your tightly coiled strands up to 11.
Fatboy Perfect Putty
Don’t we all just wish we could have that second-day hair look even if we just washed? A bit of putty gives your hair a perfectly matte finish, so you always have that “I woke up like this” look.
Ouidad Curl Quencher Hydrafusion Intense Curl Cream
This unique cream is specifically designed for tighter curls and delivers a ton of moisture to make your locks strong, shiny, and frizz-free.
Verb Ghost Oil
Even the finest hair can benefit from this lightweight oil. The transparent formula leaves your hair touchable, like there’s nothing in it at all.
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