We hit up our trusted dermatologists to handle our everyday skin issues, but have you ever wondered what products they turn to for their own personal skincare woes? As pros who provide treatments and test countless products, they’re a treasure trove of skincare secrets and informed recommendations. So we asked nine top dermatologists which moisturizers they swear by to tackle dry winter skin. Here’s what they had to say. (Photo via Getty)
Caren Campbell: “I love Aveeno Positively Radiant Daily Moisturizer SPF 30 ($17) because it has a high SPF, contains soy — which naturally helps to even out dark spots over time — and prevents fine lines all while moisturizing the skin. As a resident-in-training on a budget, it was affordable and effective. I’ve been using it for over five years.”
Michelle Henry: “I absolutely love CeraVe Moisturizing Cream ($16) and have been using it for years — I’ve been using it for so long that it’s hard to remember a time that I wasn’t. It keeps my skin looking healthy and feeling supple and very soft. I find that this cream lasts throughout the day and gets better with consistent use.”
Sejal Shah: “One moisturizer that I always come back to is EltaMD UV Clear Broad-Spectrum SPF 46 ($32). It keeps my skin soft, and gives me an overall brighter, smoother complexion. I’ve been using it for seven or eight years.”
Neal Schultz: “Garnier SkinActive Miracle Skin Perfector BB Cream Anti-Aging ($13) is my go-to. My patients love it, it gives great results, includes broad spectrum sun protection, and is very reasonably priced. It wins all around.”
S. Manjula Jegasothy: “I have been using NeoCutis Bio-Cream Bio-Restorative Skin Cream ($160) for 10-12 years. As I travel often, I need a reparative night cream that keeps my skin hydrated when I’m facing a variety of climates and humidity levels in a short time span. This cream has an elegant cosmetic texture that I enjoy. It’s so soothing that it doubles as my eye cream when I travel!”
Anthony Rossi: “Since I have dry skin and I consistently use a prescription retinoid, I use Cetaphil Restoraderm Skin Restoring Body Moisturizer ($16) — and have been for over five years. Even though it’s designed as a body moisturizer, I love it because it protects irritated skin and is designed for patients with eczema. Even after using a retinoid in the winter months, this moisturizer provides great hydration and a protective barrier.”
Gary Goldfaden: “I have been using REN Evercalm Global Protection Day Cream ($45) for quite a few years. I appreciate that it's reparative and hydrating while still feeling lightweight on the skin. This moisturizer hydrates and calms the skin with calendula oil, combats redness with Roman chamomile, and [soothes] discomfort due to dryness.”
Shari Marchbein: “I’ve been using Neutrogena Healthy Defense Daily Moisturizer SPF 50 ($16) for close to a decade. I suffer from both adult acne and eczema, so I love that it is lightweight enough to wear under makeup to prevent daily sun damage and is oil-free so as to not worsen my acne, but it’s still moisturizing enough to help prevent dry skin.”
Joyce Imahiyerobo-Ip: “My favorite is HydroPeptide Nimni Cream ($110). I call it my “dream cream” because it goes to work while you sleep to turn on collagen production so you wake up with plump, radiant skin. What’s amazing about this cream is that it causes minimal irritation, unlike prescription-strength retinoid creams. I have been amazed with the improvements I’ve seen after using it for just over one year.”
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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
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