10 Photo Apps to Make You Look (+ Feel) Like a Designer
You know what they say: The best camera is the one that’s with you. But just capturing the moment isn’t as good as capturing, designing and sharing the moment with all your friends, family and followers. With these apps, you (and everyone else) won’t believe your images were shot and edited on your phone. Ditch dreams of expensive cameras and editing equipment. For a few bucks, you can download these apps and begin shooting and designing like a real iPhoneographer.
1. Over ($2): Create gorgeous text overlays on your best images, sans all that expensive and complicated Photoshop business. Once you take or choose a photo to stylize with Over, you can design with tons of fonts and graphics or pick any one of the pre-made designs crafted by some of the best in the business.
2. Obaby ($5): This app will have everybody on your timeline falling in love with your journey from preggo to parent. Featuring handcrafted artwork and tons of font and graphic choices, Obaby will help you capture, shape and share the best of the baby years.
3. VSCO Cam (Free): Fabulous filters are everything, and this app has exactly what you need for gorgeous, artistic shots. Apply and edit filters to photos and share your creations through the VSCO grid or upload to any of your online profiles.
4. Mystic ($1): Hipsters, this one is for you. Similar to Over, Mystic offers bigger (and dare we say better?!) selections. We’ll let you be the judge. Tap into and share your free spirit vibes with filters like “Pueblo” and text overlay quotes from the likes of Crazy Horse, MLK Jr. and Ghandi.
5. A Beautiful Mess ($1): This app does a little bit of everything, from filters and collages to text overlays and borders. ABM is easy to use and perfect if you want just one go-to app for shooting, editing and sharing photos.
6. Rhonna Designs ($2): There are so many adorable photo editing options within this app, it’ll take a year to explore them all. Masks, text overlays, backgrounds and borders galore give your images a homemade, cozy feel.
7. iDarkroom ($1): Other apps can sharpen grainy images, but this isn’t that app. iDarkroom brings that old-school darkroom vibe to new school images, allowing you to add texture, light and bokeh to photos. (via House of Bentley)
8. Wood Camera ($1): Probably the easiest to shoot, access and share images with, this app is perfect if you’re wanting higher quality edits and adjustments. The filters can be very, well, filter-y or barely noticeable depending on which one you choose. Wood Camera gives you the most control with the least effort.
9. Rookie (Free): Sharper focus, better lighting and adjustable filters make us wonder why this app isn’t called Professional. After fixin’ up your shot, you can make a statement using type from any of the gazillion font choices.
What photo apps can you not live (or post!) without? What apps help your creativity run wild? Tell us in the comments!
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