We’ve all been there: Your hair is looking dull and feeling lifeless, and it’s all thank to that beanie you’ve been rocking since you left the house. Whether it’s really cold in your office today or your fingers weren’t crossed enough for you to wake up with model waves, you’re embracing the all-day beanie — and the cute hat hairstyles you can whip up in a flash — just not, you know, that beanie hair smell. It’s the telltale sign that your locks are in desperate need of a major refresh. If a shower isn’t in the cards, try one of these easy ways to give your hair a pick-me-up. From hair fragrances to dry shampoos, we’ve rounded up eight of our favorite products that will fix your hat hair problems, pronto.
1. Oribe Dry Texturizing Spray ($42): This spray is a cult favorite among beauty experts and novices alike, and with all the benefits — like giving tired tresses a bit of body and texture while acting as a dry shampoo — we can certainly see why.
2. Olivine Atelier Love + Salt Beach Hair and Body Mist ($26): While we might be enjoying the winter wonderland that is the holidays, we’re kiiinda starting to miss the cheery days of summer. This two-in-one hair and body mist brings us back to the days of the beach, with energizing notes of coconut and sandalwood.
Elizabeth and James Nirvana White Dry Shampoo
hair and beauty products, so we’re super excited about their signature line of fragranced dry shampoos, which come in spray powder form. They’re available in two earthy scents and absorb oil while adding volume — they’ll perk up your mane in no time.
4. Herbivore Botanicals Sea Mist Texturizing Salt Spray in Coconut ($20): You had us at “coconut.” This spray promises instant texture and beachy waves, taking your hat hair from #wokeuplate to #wokeuplikethis.
5. Sachajuan Protective Hair Perfume ($69): This hair perfume might smell great, but it’s got so much more to offer than that. The formula is true multi-tasker, eliminating frizz while increasing shine and even protecting your locks from harmful UV-rays. Basically, it’s everything you need from a hair product, including a remedy for that dreaded hat hair.
Captain Blankenship Mermaid Dry Shampoo
even, try this volumizing dry shampoo — it’s seriously *so good*. Not only does the formula contain oil-absorbing, life-giving properties, but it also uses floral essential oils for a fragrant boost worthy of any (winter) mermaid princess.
7. Fekkai Le’Air de St. Barths Hair Fragrance Mist ($20): Stuck at home this season? Fake a vacay by using this intoxicating hair mist, inspired by the beaches of St. Barths. With added benefits of hair shine and frizz control, this mist will have your hair looking (and smelling) like you just got back from a tropical paradise.
8. Clean Original Fragrance Hair Shine Mist ($24): If a multi-tasking product is what you’re after, this hair mist will hit the spot. It’ll give your hair a refreshing burst of fragrance, impart plenty of shine and, most importantly, offer UV-protection. Basically, whatever the problem, this one has you covered.
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:
You X Ventures for Unsplash
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.
Kobu Agency for Unsplash
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
The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Investment Services, LLC or Kestra Advisory Services, LLC. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regards to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. O'Keeffe Financial Partners and any other entity listed herein is not affiliated with Kestra IS or Kestra AS Investor Disclosures: https://bit.ly/KF-Disclosures