So, You’re Getting Married in a Month? 12 Things to Check Off Your List
Congrats! Mazel tov! And all that other good stuff. Whether you’ve been engaged for 6 months, 12 months, or 2 years, your day is finally almost here. You’ve seen all the checklists with the practical things you need to do (seating chart, menu selections, favors for guests), but what about those last minute things people always forget? We’ve partnered with Zazzle to put together 12 things to check off that pesky list of yours, from easy-to-order programs to a digital guestbook. Now, go get hitched!
Order Thank You NotesPrepare to thank all of your friends and family! Not only are they making the trek to see you and your honey get hitched, but they will probably give you a gift or two. We’re big fans of these Chalkboard and Mason Jar Cards ($2.60 per card). The great thing about Zazzle is there’s a solid option for just about every style. If you want to use a photo from your wedding, we love this Slanted Wedding Postcard ($0.88 per card).
Prepare to Change Your NameIf you’re changing your name, prepare yourself for a pretty involved process. Fortunately, we happen to have created a guide for getting it done, from getting 6 marriage certificates to changing your name online. (photo via Estate Weddings & Events)
DIY Photo Booth + BackdropIf you can’t spring for an official photo booth, why not make one yourself? Armed with a tripod, camera, and photo printer, you can totally do it up. The key? An awesomely creative photo backdrop, of course.
Change Your Registry Shipping AddressIf you’re having a destination wedding or going on your honeymoon right after your wedding, don’t forget to change your registry shipping address so that all your gifts go somewhere that someone can receive them. Your office is probably not the best place, but your maid of honor’s apartment is :) (photo via Tin Cans Unlimited)
Stock Up On GamesWe’re all about unconventional wedding entertainment, and who can argue with lawn games? For cocktail hour or your after party, set up a few sets of cornhole and create a bracket so people can bet on winners. (photo via Emmaline Bride)
Order Table Number CardsOh yeah, and table cards! Sure you’ve got your bridesmaid with the best handwriting writing up everyone’s personal escort card, but you’ve gotta label those tables too. Our favorite options on Zazzle? Obviously Eat, Drink, and Be Married ($0.88 per card)!
Make Backup Playlists + Save OfflineWhether you have a DJ, a band, or playlist you think will last the whole weekend, we’re telling you now: make backup playlists! No one wants to run out of music and hear that theoretical record scratching when everyone stops dancing. We recommend using Spotify to make your playlists and saving them for offline listening. This way you can have the same playlist on multiple devices, and can play from anywhere.
Wedding Party Gift TotesThanking the folks in your wedding party with a whole bunch of goodies? Then you’ll probably need a tote to put ’em in. Zazzle has tons of great options for pre-designed tote bags as well as custom ones. And you can totally get them within a month! Which do you like best? Team Bride ($17.95 per bag), Hipster Bunny ($17.95), Eat Drink and Be Married ($15.95), or Day of the Dead Bride and Groom ($15.95)? Tell us in the comments below.
Set Up a Digital GuestbookOne for the techie generation! Everything is online now, so create an online forum for your guests to post their love notes to you! You can also create a hashtag and use it on all existing social media platforms like Instagram, Facebook and Twitter allowing you to see your guests tweets, pics and updates while they were at your wedding. For more unusual guestbooks, head here.
Make a Whole Batch of Easy Paper GarlandsNeed to drum up a whole bunch of decor in a flash? Each of these projects is easy and affordable to make, and with tools you probably have access to. On the left we have the paper garland, which literally takes 10 minutes to make. On the right, the slightly more involved paper pom poms – a great project for a bunch of bridesmaids to take on!
Create Custom ProgramsDid you forget to include programs in your plan for wedding stationery? Don’t worry. You’re not alone. And luckily, Zazzle makes it ridiculously easy to create a program based on one of their many templates. We’re fans of the Chevron ($0.50 per card) and clearly have a thing for Chalkboard ($0.50 per card).
Get a Bridal Beauty Emergency KitYou know what you’re gonna need in a pinch? No? Well, the folks at Pinch Provisions do, and we’re all over this Minimergency Kit for Brides ($16). Ready for what this kit includes: hairspray, clear nail polish, nail polish remover, emery board, earring backs, clear elastics, mending kit, safety pin, emergency tape, stain remover, deodorant towelette, pain reliever, tampon, breath freshener, dental floss, adhesive bandages, facial tissue, blotting tissues, bobby pins, antacid, and extra wedding bands. Whew!
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