10 New Beauty Products to Add to Your Routine ASAP
Just like *that* and it’s November! I’m still hanging on to summer (bronzy glow, please don’t go…!) but totally embracing all that comes with this mega-chill season that’s upon us. From fall layering strategies to Thanksgiving nail art, our heads are already spinning with autumn-centric everything, but we’re ready for more. Check out these brand new beauty products debuting this season — from curling irons to clarifying moisturizers, this list will keep you flawless and fab this fall.
1. BEACHWAVER Co. Curling Iron with Swarovski Crystals ($250): If you’re looking for Victoria’s Secret waves, this is your product (come mid-November when it launches). I am a big fan of this rotating curling iron (it’s the only way I can curl my hair, TBH), so this sparkly Swarovski offering is definitely worth it — especially with the holidays right around the corner. The crystals look so pretty on the side of the iron! This tool does all the work for you, so you can have truly fuss-free, gorgeous locks in a flash.
2. EVER Polish Lemon Sugar Body Scrub ($40): This brand new body scrub from EVER is EVERYTHING ;) Seriously though, this stuff smells like a straight-up cookie but also manages to leave your skin feeling incredibly silky and smooth. It sloughs off dead cells while revealing brighter, more even-toned skin underneath, which is crucial as we head into the drier season.
3. SANDOVAL Noel ($60): Want to feel all the upcoming winter vibes? Go on and getcha some of this super aromatic fragrance blend that features notes of clove, rosewater and benzoin — basically, it’s a holiday in a super chic bottle. Spritz yourself and your surroundings to evoke chill feels and #allthesmells.
4. Artis Digit 5 Brush Set Collection ($185): I’m obsessed AF with these weird makeup brushes, and trust me — once you try them, you will be too. You’re supposed to hold them like a paintbrush (instead of a pencil) to give you more control and better define your look. Beyond their impressive results, these babies look mighty fine sitting on your vanity.
5. Tata Harper Clarifying Moisturizer ($105): As a huge Tata Harper fangirl, I was thrilled to get to listen to her talk about her skincare line at Credo Beauty a few weeks ago. She talked about how she couldn’t find skin care products that were up to her standards, so she created them herself. Her latest offering — the clarifying moisturizer — was made with the intention to help adults with oily, congested skin. I’m alllll about it. This moisturizer leaves your complexion super smooth and matte, making it the perfect makeup primer.
6. LITE + CYCLE Essential Oil Perfume ($58): These roll-on perfumes are *almost* too pretty to wear — seriously, they would look gorgeous posted up on your vanity. That said, they’re perfect for on-the-go gals who want to smell bright (these perfumes come in three fresh scents) but still value the benefits of aromatherapy. 100 percent pure essential oils are the key to these scents, so you can be sure that you’re arming yourself with the best of the best!
7. 100% PURE Cocoa Butter Matte Lipstick ($29): As truly natural lipsticks, these new offerings from 100% PURE pack serious pigment in a semi-matte finish that won’t dry your lips out — promise! Personally, I’m blown away by the next-level colors this line offers up (THAT PURPLE THO). It’s tricky to find the perfect balance between a dialed-up pigment and hydration, and this line of lipsticks delivers just that.
8. PAUL & JOE Hand Cream ($15): Toss one of these adorable hand creams into your purse and get ready to have hands that are prepared to stand up to cold weather! This is one of my go-to products when my hands feel super dry from the weather (which is, like, now) because the formula isn’t greasy — this factor alone keeps me coming back to this hand cream. Beyond that, the packaging is insanely cute and the fragrance isn’t overpowering.
9. Sol de Janeiro Brazilian Beauty on the Go ($25): As a fan of the Brazilian Bum Bum Cream ($45) — weird name, yes I know — I was thrilled to hear that a new kit debuted featuring a mini size of the cream and a lip butter. The reason I love this product is because of its super summery scent and the mega-hydrating formula it offers, so the fact that the cream and lip balm are sold together (for a significantly discounted price) is bomb. This is currently my favorite lip balm — it is SO GOOD!
10. Frank Body Babe Island Kit ($40): You can pick up this all-in-one kit on November 7, and you def want to if you’re still hanging on to those summer vibes (like me!). This good-for-your-skin kit contains a brand new body balm that smells just like coconut and a natural scrub that’s made from coconut and coffee — yum! Slather these products on and relax as you’re instantly transported back to wherever you vacationed over the summer.
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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