10 Phone Accessories That Could Make You Insta-Famous
It’s hard to remember a world without Instagram, but it must have been a dark, scary place where our eggs Benedict didn’t get nearly the attention they deserved. And did we seriously wait for magazines to see what celebrity hairstyles would be the next big thing? Thankfully, the app has made it easier than ever to share travel photos, find style inspiration, follow artists and even create videos and share music with anyone from across the world. If your Instagram is a reflection of how you view the world, then you definitely want it to look good. We’re sharing a few hacks for stepping up your phone photography without splurging on crazy expensive gear.
1. Pocket Spotlight ($30) We’re all familiar with the deer-in-the-headlights look or washed-out subjects that are the result of an ill-timed camera flash. With the help of this continuous pocket-size spotlight, you can tweak lighting to work exactly the way you want it to.
2. Monster Telephoto Lens Kit ($35) Don’t you hate when you want to capture an awesome view, like a concert or the view from the summit of your hike, and your phone lens isn’t cutting it? With this lens upgrade, you’ll be able to do justice to your next photo-worthy scape.
3. Phoneography Starter Kit ($30): Be well on your way to pro status with a wide/macro lens, a Phone-o-chrome phone filter, a full scholarship to Photojojo University and a pouch to hold it all.
4. Bluetooth Selfie Stick ($35): Love it or hate it, sometimes your arms aren’t long enough to get all your friends in the photo, and that’s when the selfie stick is your new best friend.
5. Phone-o-chrome Filter ($15): This #IRL filter does everything your Instagram filters can’t. Make photos look old-timey, warm them up and cool them down just by holding this teensy filter over your phone lens.
6. Smartphone Spy Lens ($20): All you sneaksters can capture great candid photos with the help of this lens, which lets you hold your phone at a natural angle while taking photos straight ahead. Shhh, don’t tell anyone.
7. Bluetooth Camera Shutter Remote ($25): No one’s getting left out of the group photo anymore! Simply prop up your phone and take photos from up to 90 feet away.
8. Solar-Powered Phone Charger ($79): Your phone camera can be a real drain on battery, especially if you’re using extra equipment, but fret not — with this solar-powered charger, two-percent battery life won’t put a kink in the photoshoot fun.
9. Concrete Confetti Fanny Pack ($32): You didn’t think you were just going to carry all this stuff around, did you? No way, Jose. This fanny pack is your best friend for keeping your hands free and your equipment at your side.
10. Polaroid 600 Camera + Film Set ($122): Oh, right! This is what we did before Instagram. Hey, wait, this was kind of fun too. Anybody want to get retro with us?
Doing it right on Instagram? Share your tips with us in the comments!
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