15 Beach-Ready Cover Ups
A couple weeks ago, we shared our favorite picks for this season’s swimwear, but what about when you need to wear a little something more? The perfect beach cover-up is a quintessential part of your summer wardrobe, and often gets even more play than your favorite bikini. If you’re looking for a new warm weather staple, you’ve come to the right place. Here are 15 hot little numbers that’ll cover you up in all the right places.
1. Tie Dye Beach Day Romper ($39): First up, a little hippie chic. We love the bold but soft tones in this tie dye romper, and especially like the criss cross back. This definitely seems like something you’d live in for an entire weekend.
2. Striped Linen ($85): On the preppier end of the spectrum, this striped linen tunic is classic East Coast style.
3. Tribal Scarf Print + Bandana Beach Pants ($43): Beach pants? Why yes. This lively prints will keep your legs cozy when the sun starts to go down. Plus, just imagine how awesome your beach dancing skills would be in a pair of these!
4. Embroidered Rope Tunic ($88): This has honeymoon beach style written all over it – it’s a little bit bridal and a little bit sexy, all at the same time.
5. Tasseled Poncho ($88): A more stylized take on the ponchos we’re used to seeing on the beach, this look by Anthropologie is delicate and lovely.
6. Patchwork Beach Cover-Up ($39): The lace trim on the back is what sold us on this one. And, of course, all the pretty patterns.
7. Indigo Splash Cardigan ($78): We love the idea of pairing this with a gauzy sarong and a glamorous pair of sunnies.
8. Cheeky Short and Crop Top ($35 + $20): This outfit definitely has an ’80s vibe, and we like it! The color palette in the top just screams summer.
9. Polka Dot Romper ($34): This romper looks like one of those quintessential day-to-night numbers for summer. No one will know you’re rocking a swimsuit under your cocktail party romper, right?
10. Whisper Gauze Tunic ($60): The sheerness of this gauze tunic makes for light airiness along with being able to show off that bikini bod.
11. Drop-Waist Sweater ($60 and up): The neon sweater on the left might be our favorite cover up on this list. It’s great summer night apparel.
12. Crochet Cover Up ($48): This classic crocheted number is feminine without going over the top.
13. Herringbone Stripe Tunic ($78): The best part of this look? The hot red bikini underneath the herringbone!
14. Dip Tie Dye Fringe Tank ($25): Created by the same folks as the Tie Dye Romper we kicked off with, this is definitely a cover up worth keeping your weekend bag at all times.
15. Seafolly Kailua Cover Up ($102): Finally, a little pattern, sheer fabric, and fringe all in one! We’re especially digging the green one.
What’s your go-to layer at the beach? Any online shops we should check out? Favorites from the list above? Talk to 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