We Heart These 14 DIY Valentine’s Day Cards
Valentine’s Day is just around the corner, and we can’t wait to show the love! We’ve been obsessively stitching, stamping, and needle-felting our very own handmade Valentine cards. And while we were at it, we gathered up a few of our favorites from other makers out there. We hope you heart them too.
1. Cross-Stitch Valentine’s Kit: Cross-stitch our hearts and hope you’ll be ours after we give you this handmade Valentine! (We’re poets and you didn’t even know it ;) Our Cross-Stitch Valentine’s Brit Kit has everything you need to make 10 of your very own cross-stitch cards. (via Brit + Co)
2. Handmade Card with Seed Beads: Got nice handwriting? Write out something sweet like “love” or “honey” in pencil on the cover of a blank card, then trace over it in glue. Before the glue dries, pour tiny beads (or glitter!) over the glue. Let dry, then shake off the excess. (via Katrin Shine)
3. Love Letters: If you don’t have the handwriting of an accomplished calligrapher, try designing your card in word-processing software or your favorite Adobe program. Print it out on heavyweight white paper, and if it needs a little more DIY, add cutout hearts or glitter. (via Gatherings Magazine)
4. Wood Veneer: For a slightly more masculine Valentine, we like the idea of using wood veneer or a manly patterned paper. Simply cut in the shape of a heart and glued on white paper… you know, in case your guy feels a little self-conscious displaying your glittery Valentine at the office. (via Sprinkled With Glitter)
5. Origami Hearts: If you haven’t quite mastered the art of the paper crane, breathe easy: Origami hearts are much, much easier. Put a sweet message inside them, or use them to adorn a handmade card. (via Omiyage Blogs)
6. Origami Bows: Speaking of which, origami paper comes in all sorts of pretty colors and patterns that you can incorporate into your Valentines without even folding it. How cute are those bows? (via The Pink Doormat)
7. DIY Valentine’s Cards: Excited about the prospect of Valentine’s Day, Alex over at North Story pulled out all of her craft supplies and created four unique designs. We especially love the ones made with ribbon and twine. (via North Story)
9. Hole Punch Confetti: We love confetti so much, we had to share two different confetti Valentine tutorials. Amy of Design Improvised made her confetti with a heart hole punch, but it would look just as cute with a regular hole punch. (via Design Improvised)
10. Heart Window Confetti Valentine: Okay, this one is a little bit more challenging. It involves an X-acto knife and sewing skills, but it’s so worth it for the little heart window. You can even turn a favorite love poem or classic romantic novel into sweet little bits of confetti. (via The Creative Place)
12. Rainbow Heart Iris Folding Card: Doesn’t this remind you of a beautiful stained-glass window? Yana used colorful ribbon in this tutorial, but you could also use paper or — you got it, washi tape! (via My Wine Country Life)
13. Needle Felted Heart Handmade Valentine: Remember when we learned how to needle felt? Well, now we want to needle felt everything, including our Valentine cards, so we felt we should share this with you ;) (via Petals to Picots)
14. Stamp Valentine’s Day Card: (st)Amp your plain white stationery! Make a big heart out of smaller hearts or x-and-o-shaped stamps! For a truly DIY experience, you can even make your own stamps from a potato or cork. (via Go Make Me)
Do you make your own Valentines? We’d love to hear about them 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