Get Out the Door in 10 Minutes With These Beauty Hacks
The Queen of Snooze — it sounds so regal, doesn’t it? But to most of us, it feels more like a tornado of panic as we run around in circles trying to get ready. Big decisions are being made in mere milliseconds: To shower or not to shower? Probably not. How important is blush really? Very important. Is matching our lipstick to our shoes really necessary? Always. We’ve gone ahead and rallied a set of tips and tricks we like to think of as Snooze Queen Boot Camp. Here are 16 beauty hacks that will get you up and out the door in 10 minutes flat.
1. Skip the Morning Cleanse: We know this sounds bananas, but as long as you’ve washed your face squeaky clean the night before, it’s not the end of the world if you skip a day here and there. Just remember: Toner. Moisturizer. SPF. And go. (via Michelle Phan)
3. Start With the Eyes: If leaving sans eye shadow is a no-no for you, get your eye shadow on first. This prevents you from wasting precious time picking flecks of pigment off your foundation. (via Prevention)
4. Pinch Your Cheeks: No time for blush? Not a problem. Back in the day ladies were aces at creating a natural blush by pinching their own cheeks. Get to it. Pinch those apples ’til they’re nice and rosy. (via College Candy)
6. Microfiber Towel: Alright, miss speedster, you’ve managed to fully shower in three seconds flat. Well done. Don’t let that towel hold you back. Get your osmosis on and dry your tresses quicker than you can say microfiber. (via Glo)
10. Perfect Cupid’s Bow: No more fussing with lip shape. We ain’t got time for that. Wrangle that lipstick in by laying down the law with this easy-peasy tip. And don’t give us no lip about it. (via Makeup)
11. Nighttime Braids: Want perfectly wavy hair without sparing those few extra minutes of shuteye in the morning? Throw your hair into braids post p.m. shower, sleep and voila! You’ve got mad style sans the work. (via Glo)
12. Three Minute Contour: Can’t go without that contour, huh? Neither can we. Might as well make it quick. We recommend practice rounds ’til you perfect it. Think fire drills for your face. (via Beauty Banter)
14. Knotted Braid Side Ponytail: This is something you’ll probably be into — easy hairstyling you can do just about anywhere: on the train, in the bus, at your desk. No prep time is needed, and sans mirror is best. Change things up on the regular… because you can. (via Goldfish Kiss)
15. Eye Makeup With Your Fingers: Who’s got time for brushes when you’re trying to catch the train? Not us. Make use of that index finger, pat on your favorite eye shadow and get to steppin’. (via The Beauty Bean)
16. Go Rouge: There’s no better way to look put together than with a set of rouge lips. Full makeup, sans makeup, hair up, hair down — throw on your favorite lips and make any prep time look complete. (via Makeup.com)
Share your morning beauty hacks with us 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