6 Flawless Outfit Formulas to Rock This Fall
There are so many things we love about fall — crisp air, colorful foliage and, of course, the opportunity to test drive a slew of new-season essentials (we’re looking at you, chunky heeled shoes, bomber jackets and ankle boots!). A quick scroll through Insta will provide you with enough style inspo to get you through the next few months in flawless fashion, but having an arsenal of foolproof outfit formulas that you can call upon at a moment’s notice is undoubtedly the easiest way to slay that #OOTD without exerting a lot of time and effort — and as a bonafide girlboss, this is so key. From statement sweaters to luxe loafers, we’ve put together six effortless outfit formulas you can rock for the rest of the season, along with a few shoppable pieces to help you pull them off. Brace yourselves: These getups are straight-up street style bait.
One and done is your go-to approach to everyday dressing, making throw-on-and-go pieces absolutely essential. A floaty maxi dress is just what the doctor ordered, with its free-spirited feel and sophisticated silhouette that will keep those cool autumn breezes at bay. A serious dose of cool-girl factor comes into play with the addition of a classic leather biker jacket and high-top sneakers. The only thing missing? A statement belt and cross-body bag that’ll add that little extra personality and polish.
Relaxed-Fit Jeans + Trench + Fancy Flats
It’s officially time to pull that tried-and-true trench out of storage. With fall’s official topper on hand, a pulled-together look is only seconds away. Team it with relaxed-fit denim, a fitted turtleneck sweater and lace-up flats for a getup perfect for running errands or catching up with the girls over tapas. When the temps take an unexpected dip, simply throw an oversized scarf and wool fedora into the mix.
Sweater Dress + Ankle Boots + Bomber Jacket
A sweater dress is your sartorial soulmate when cooler weather rolls around, killing it at the office and off-duty like it ain’t no thing. Balance out the snuggly vibes by styling it alongside add-ons with major RN appeal, like modern suede ankle boots and a metallic bomber jacket with a futuristic edge. Bonus points for asymmetric earrings and embellished camera bags.
V-Neck Dress + Button Down + Sleek Slides
Introducing your new work-week go-to — an anytime-appropriate v-neck dress and chic button-down shirt. Perfectly polished and It-girl-approved, this flawless combo nails it every single time with its combination of down-to-business ‘tude and street-style chic. Round out the look with statement slip-on loafers — fall’s extremely fashionable answer to summer’s pool slides — plus a sleek cuff and belt for an on-duty ensemble that hits it out of the park.
Statement Sweater + Trousers + Oxfords
Off-duty cool is what this show-stopping ensemble is all about. Start by trading out everyday denim for personality-packed trousers, then proceed to pair with a chic sweatshirt or sweater and menswear-inspired steppers. Tack on a glitzy ear cuff and a metallic mini bag for an easy outfit that will take you from day to night like that, or team with a boyfriend blazer and silk scarf for working-girl vibes.
T-Shirt + Oversized Cardigan + Midi Skirt
Three closet basics, one killer look. Whether you’re sippin’ on espresso or hitting up a local craft market, this laid-back #OOTD will never disappoint. Keep the look feeling fresh with eye-catching prints, intriguing embellishments and modern takes on traditional silhouettes. Play it cool with combat boots or dress things up with a pair of modern Mary Janes.
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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