3 Stylish Ways to Get the Most Wear Out of a Patchwork Dress
Every closet has one: a scene-stealing dress, look-at-me coat or statement top that was just *too* good to pass up, even though its wear-everywhere potential is questionable. Your latest splurge? The party-approved midi dress below. You had NO idea how you planned on wearing it, but what you did know was that you just had to have it (color-block paisley and a slinky slip silhouette — we’re so there). But now that it’s made its way into your wardrobe, a sartorial intervention is seriously needed. We’ve got your back, girl, because this week’s Style Resolutions is bringing you three fabulous ways to wear this patchwork number, whether you’re headed to a swinging holiday soiree or a stand-in Sunday brunch date with the girls.
HOW TO STYLE A PATCHWORK DRESS FOR DAYTIME
With so many hours spent on the job, you need every piece in your wardrobe to work overtime to keep your style #onfleek. To keep a satin slip dress feeling daytime ready, play with layers to create a look that toes the line between classy and cutting edge. A zip-front turtleneck sweater lends the dress a modern-meets-sports-chic vibe that falls right in line with your fuss-free style sensibilities. Velvet ankle boots and statement gold earrings add a punch of extra polish, while a bright red lip weaves in a touch of don’t-mess edge — something we could all use when Monday morning rolls around.
Zara Long Studio Paisley Patchwork Slip Dress ($149) + Mango Zipped Cardigan ($60), Zara Velvet Bow High Heel Ankle Boots ($70), Gas Bijoux “Wave” Double Drop Earrings ($173), Yves Saint Laurent Vinyl Cream Lip Stain in Rhythm Red ($36), Zara Mini City Bag With Split Suede Flap ($50)
HOW TO STYLE A PATCHWORK DRESS FOR AFTER-HOURS
After-hours schmoozing is where this patchwork stunner shines, turning heads like a boss thanks to its fusion of boho babe and ’90s grunge styling. A classic pair of ankle-strap heels and chandelier earrings on their own would certainly do this frock justice, but sometimes you just have to go all out — know what we’re sayin’? Go full throttle with a sock-and-sandal pairing (unicorn glitter socks come highly recommended) and sleek modern jewelry with minimalist appeal. The result? A getup that would do any street-style goddess proud. The icing on the cake comes in the form of a pale blue faux-fur coat that’s just as cozy as it is show-stopping.
Zara Long Studio Paisley Patchwork Slip Dress ($149) + Topshop Unicorn Glitter Socks ($6), Topshop Star Motif Coat ($170), Anthropologie Mirabell Clutch ($88), H&M Platform Sandals ($50), & Other Stories L’Amour Ring ($19), & Other Stories Golden Globe Hoop Earrings ($25)
HOW TO STYLE A PATCHWORK DRESS FOR THE WEEKEND
A weekend uniform — be it a t-shirt and jeans, sweater dress or cashmere joggers — has its merits, but we like to mix it up. Saturdays have a certain level of built-in spontaneity that needs to be taken into account when getting dressed, and the ensemble above is ready to take on whatever the day brings. The balance created by adding an oversized sweater and suede boots to the mix means you can stay out from dawn to dusk without needing a costume change.
Zara Long Studio Paisley Patchwork Slip Dress ($149) + H&M Knit Sweater With Lacing ($35), Madewell Lonnie Boot in Suede ($210), Karine Sultan Split Cuff ($78), Zara Mini Tag Crossbody Bag ($30), Mango Faux Fur Padded Coat ($150)
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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