8 Cozy-Chic Ways to #StyleTheBump, Straight from Instagram
The temptation to throw on a maxi dress (unbelted) and go out in sweats (the same from your beauty sleep) can be all too great on your average lazy day. Now double that urge when you’re pregnant. But don’t let it be so, not when there are a number of near effortless ways to switch up your bedroom-bound silhouette into an outfit worth Instagramming. As these eight moms-to-be show in their #stylethebump photos, cozy-chic is an easy look to come by with just a few wardrobe hacks, from beyond basic layering tricks to refining a t-shirt and flannel (spoiler alert: put on a hat. Really, it’s that simple). Scroll through for the straight-from-Instagram styling tips to make up your bump just like that.
1. @domnika.crainic: Step away from the hoodie. When you’re looking for a layer to help cut the onset chill, reach for a cape to turn whatever you’re currently wearing into something instantly enviable (though we have our eyes on those thigh-high boots, too).
2. @blamefashion: Those dinner-ready pieces don’t always have to be paired with pointy flats and strappy heels. Break out your sporty sneakers to put a casual and comfy twist on your perfect day-to-night look.
3. @stylofax: You start with a white tee (0). You add an easy-to-wear jersey skirt (+1). You toss on your boo’s flannel (-1). Now add a hat (+10). Just imagine the score if you had reached for a blazer instead!
4. @lovejookimt: Even though you’ve got a growing bump, don’t think about storing those crops, especially the sweatshirt varieties. The half-shirts might be the most underutilized sartorial secret weapon among moms-to-be. You can see why here: it breaks up this ‘grammer’s proportions in the most flattering way possible — try the look over a crisp button down or flowy blouse.
5. @mrs_style_junkie: It’s a cue straight from the Blake Lively maternity style book, and it translates onto real pregnant women like a dream — mixed prints, they’re a beautiful thing. We’re obsessed with the contrasting black and white graphics that punch up this cozy look. Don’t forget to add a beanie for an extra pop of color.
6. @couldihavethat: You’re most comfortable in your blue jeans, and your coffee run look is never complete without a ball cap. Add a touch of effortless cool to your All-American getup by tapping your reserve of French girl pieces or invest in one to commemorate this special moment, à la this maman polue.
7. @irinabond: When you feel most comfortable in your go-to maternity look (no matter how cozy), lean on your accessories to take your look to the next level — bonus points if you coordinate your hairdo. Take a cue from this Instagram mama and go for boho flair with a tasseled bag, heeled ankle booties and tight fishtail braids.
8. @francybodo: The hands down easiest way to restyle your favorite smock, go-to-sheath or that maxi dress? Layer it on top of a long sleeved shirt. Add delicate gold cuffs to either arm and — what did we tell you — you’re Insta-ready just like that.
Do you #stylethebump on Instagram? What’s your handle? What maternity style hacks do you swear by? 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