10 Must-Have Pregnancy Apps to Keep Track of Your Bump
You have some pretty exciting months ahead of you. Things are also going to get crazy busy — more frequent doctor appointments, hacking your wardrobe as your belly grows, not to mention getting the nest ready for the new arrival. When you pair that whirlwind of a schedule with the onset of pregnant brain (which we’re afraid never quite goes away), well, things can get kinda crazy. Fret not. These pregnancy apps are here to help you keep track of things and make your journey a little easier.
1. The Bump: The newly redesigned app from The Bump is flat out gorgeous. Besides including week-by-week development info and expert articles, it gives you access to their fantastic community. What is a better resource than fellow women wondering how to stop those stretch marks from getting bigger? (Free on iOS, previous version free on Android)
2. Cinemama: Keep track of that beautiful growing belly with this app created by March of Dimes. You’ll be able to make a fun keepsake video, complete with your own soundtrack. It also features a diary where you can log milestones, cravings and musings. (Free on iOS)
3. Prenatal Pilates: This cool Pilates coach addresses alignment and postural changes that occur during pregnancy. With programs targeted to each pregnancy trimester and postpartum, it’s a great tool to help get your body ready for delivery and reconnect with your body after baby arrives. (Free on iOS)
4. BabyList Baby Registry: You don’t have to stick to one registry anymore (or drive everyone crazy with four different ones). Create the ultimate baby registry by aggregating everything you need — from that cute handmade mobile you saw on Etsy to your doula. (Free on iOS and Android)
5. Glow Nurture: Just launched on July 17th, this newborn app is the stunning follow up to Glow’s fertility and period tracking app. It’s a beautifully designed pregnancy companion with tons of useful info. Keep track of everything from baby’s size to doctor’s appointments or even kegels performed. (Free on iOS)
6. Pregnancy Food Guide: You’ve got the basic blacklisted items covered (see ya later, dear Brie!), but this handy app will help you navigate the foods you’re unsure about, as well as give you lots of great info about nutritional benefits and help put shopping lists together. ($4.99 on iOS, on sale for $0.99 on Android)
7. Sprout Pregnancy Essentials: A physician-recommended app that aims to be a personalized guide to your pregnancy, Sprout is packed with advice from moms and obstetricians on everything from hospital bag checklist to baby’s development. It allows you to choose a name to track your baby’s progress in the womb and provides gender-specific information and images. ($3.99 on iOS.)
8. My Contractions: As the big day gets close, you may start feeling contractions. Wait, are those real? What was that about Braxton Hicks? This tool will help you keep track of what’s going on and show your progress with lovely graphics and charts. (Free on iOS, similar app free on Android)
9. Houzz Kids’ Rooms: Are you obsessed with Houzz? We hear you. Now you can have some fun with their kid-centric app and plan every aspect of baby’s room. Get inspired with design advice from the pros to create a magical space for your wee one! (Free on iOS)
10. Baby Names: You may spend hours on this one. With popularity archives dating to the 1880s (back when John and Mary where #1), this is as close to a baby name encyclopedia as it gets. Search by origin, get meaning info and keep track of your favorites. (Free on iOS and Android)
What pregnancy app can’t you live without? Tell us, tell us!
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