Beach Bound? DIY This Clay Shark Tooth Necklace
We’ve made pretty clay necklaces before — the kind of dressy thing you’d wear to summer weddings + brunch dates with your boo. While they’re the ideal accessory for RSVP-worthy occasions, they’re not so perfect for beach bummin’. And as summer sneaks up on us (faster, faster!), we’re looking to don a lazy day accessory that will still make a statement over any tank, swimsuit cover up or one piece. So what better place to take inspiration from than our June-August destination of choice: The ocean?! This clay shark tooth necklace is sure to become just as much of a beach-bound must-have as your sunnies.
– air-dry clay
– colored nail polish (we used pink)
– clear nail polish
– gold leaf flakes
– gold chain
– gold jump ring
– gold box closer cord end
– paint brush
– 2 needle-nose jewelry pliers
1. Shape a piece of air-dry clay about the size of a ping pong ball into a rough triangle with rounded corners.
2. Mold it to look like a shark’s tooth: Squeeze the middle of each side slightly into the center and shape the bottom corner into a point.
3. Take a sharp object like a toothpick and draw a rough line across the clay parallel to the top edge.
4. Use your toothpick to define the outer edge and add texture.
5. Flatten the box clasp cord end with pliers and insert into the top of your shark tooth.
6. Let it rest overnight to dry and harden.
7. Paint the bottom of the tooth with bright nail polish color — you may need a few coats for complete coverage.
8. Cover the top of the tooth with gold leaf. You can use clear nail polish as the gold leaf adhesive: Spread a little polish on the tooth, and using one finger, place the gold leaf over the top. Smooth down with a dry paintbrush.
9. Once fully dry, attach the shark tooth to a chain using a jump ring.
It’s way easy to shape your soft clay into a sharp chomper: Mold it into a triangle with rounded sides and squeeze the middle and sides just slightly, so that it looks just like ours above. Use a toothpick to create that signature line that divides the tooth into a top and bottom half, and to add texture or define the overall shape, too. Then, flatten your box clasp and stick it deep into the top center of your tooth. Let this beast rest overnight until it’s completely hardened.
Now customize your shark tooth. We’re being resourceful and using pink nail polish to paint the bottom part of the tooth — a few coats will make the color really bold + super shiny, which will totally match the gold leaf we’re about to add to the top part. Who said Jaws couldn’t have a gold grill ;)
You can secure the gold leafing with special adhesive or hack it like us with clear nail polish. Just let it dry before you toss it onto your chain with a jump ring.
Sling it on and surf’s up!
What are your favorite accessories that you’ve made out of clay? Tell us 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