The 29 Most Colorful Swimsuit Coverups Ever
It’s almost June, and you know what that means?! It’s time to hit the beach… in style, of course! These days, there are a million and one different swimsuit coverups out there. Rompers, maxis, jumpsuits, minis — you name it. Our decision process for choosing the perfect coverup? The more color, the better! You’ll be strolling along the sand like it’s a bright, beautiful runway in these colorful swimsuit coverups.
1. Toploft Ruffle Romper ($40): Chevron, floral, cobalt and aqua — this romper has it all going on.
2. BECCA Get Connected Coverup Pants ($72): Is chevron still in? We think so. These crochet pants are proof.
3. Victoria’s Secret Wrap Cover-Up ($50): This unconventional wrap coverup is your answer to easy, breezy and beautiful.
4. Nanette Lepore Moroccan Medallion Tunic ($154): You can give everyone the cold shoulder in this Nanette Lepore coverup. No, really… it has shoulder cutouts!
5. Victoria’s Secret Beach Pant ($40): Pants are such an unexpected bikini coverup, but there’s no denying these are perfect for a cool day on the beach.
6. Luli Fama La Fama Tunic ($211): Look effortlessly beautiful in this candy-striped long sleeve tunic.
7. Debbie Katz Serena Tunic ($62): It may be a little surprising that we added a white tunic to our roundup of colorful swimsuit coverups, but that pink packs a big punch.
8. Mara Hoffman Modal Poncho ($260): Don’t let the term poncho fool you. This is definitely the most stylish one we’ve ever seen!
9. Echo Island Ikat Tunic ($73): Look forward to glistening in the sun in this oh-so-chic sequined tunic.
10. Macbeth Collection Maxi Dress ($80): A little chilly at the beach? No problem. Cover up with this striped maxi.
11. Sail to Sable Cheers to Chic Tunic ($210): Leave it to Sail to Sable to keep it classic with this coverup. Love the punch of lime green!
12. OndadeMar Illusion Coverup ($188): Pom poms, tassels and embroidery? What more could you want from a coverup?
13. J.Crew Tank Dress ($55): If floral, tribal, or polka dot prints are too much for you, keep it classic in a solid tank dress.
14. ASOS Aztec Dress ($42): This beach dress does Aztec print so right. AND it has pockets. It’s a win-win.
16. Mara Hoffman Jumpsuit ($545): Jumpsuits are all the rage lately. Why not take one to the beach? You’re sure to look fab in this tribal coverup.
17. Marc by Marc Jacobs Bandeau Romper ($143): Again, it has pockets. Need we say more?
18. Nasty Gal Electric Lazy Land Romper ($78): This romper is a perfect transition piece. Wear it poolside or rock it for a night out on the town.
19. Reverse Lemonade Romper ($62): This romper is almost too pretty to wear to the beach. But with the bright yellow, we’ll let it slide ;)
20. Tobi Unconditional Shift Dress ($52): Turn into a hula girl and move to Hawaii in this floral shift.
21. ModCloth Zing Along Dress ($55): Bask in the sun or take a leisurely stroll down the beach in this laid back maxi.
22. Betrys Dress ($38): Throw this aqua sundress on over your bikini and you’ll be ready to hit the beach!
23. J.Crew Factory Crinkle Tunic ($65): Match the color of the sea or stand out in the sand with these crinkle tunics.
24. Lemlem for J.Crew Romper ($213): Candy stripes on a romper? Yes, please.
25. Lilly Pulitzer Sarasota Beaded Tunic ($148): Pool party, here we come! Lilly Pulitzer gets two thumbs up for this tunic.
26. Trina Turk Tunic ($144): No surprise here. Trina Turk nailed it again with this bright patterned piece.
27. Macramé Coverup ($198): Coral crochet is one way to get some attention when you’re making sand castles.
28. Camilla Lace Up Caftan ($629): You’ll shine as bright as the sun in this caftan dress. We’re not kidding, it has Swarovski crystals on it.
29. Milly Capella Tunic ($295): Hit the water in this watercolor number.
Which coverup is on your wish list this summer? What other summer pieces are you on the hunt for? 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