8 Simple Summer Skincare Tips This Natural Beauty Expert SWEARS by
Summer might be the most fun time of the year, but all of the sweat (thanks, humidity) and damage from living #thatoutdoorlife can wreak havoc on your skin. Increased perspiration and constant sunscreen application can clog pores quick and slow cellular turnover, which can result in breakouts aplenty and dull skin, respectively. But that doesn’t mean you can’t fake that smooth glow all summer long. As the Chief Formulator of Osmia Organics natural skincare brand, I know a thing or two about how to keep your skin happy, healthy and nourished while you have fun in the sun. Scroll through for eight simple skincare tips you should swear by for the rest of the season.
1. Wash your face every night, no matter what: If you skip the morning session, that’s okay, but you need to wash off all sunscreen, sweat and makeup at the end of each day. Try a luxury facial soap on for size to make the chore feel more special, or a liquid cleanser like Acure Organics Sensitive Facial Cleanser ($10). If you’re exercising daily, try to splash water on your face after working out — sweat left on the skin can be irritating and cause breakouts.
2. Skip your heavy night cream: Sebaceous glands in your skin produce an oily substance called sebum to help waterproof the skin and prevent water loss (it’s one of your skin’s main functions). Decreased sebum production by the skin in the winter months (think: dry skin) sometimes requires a heavier cream to help nourish the skin and retain moisture. In the summer though, sebum production naturally increases — along with blink-and-its-there breakouts. You can help down-regulate the glandular activity — aka help keep your zits at bay — by using a balancing serum like Osmia Organics Facial Calibration Serum ($50). Try using the lighter serum as an evening moisturizer and give your skin two weeks to adjust.
3. Clean your hands often, and try not to touch your face too much: Your mom was right when she scolded you about this as a kid: bacteria and oil from your hands, which touch everything, can cause breakouts. When you do feel a pimple brewing, use a gentle yet effective spot treatment like this cult fave, our Osmia Organics Spot Treatment ($22), that can help prevent the blemish from surfacing at all. Apply overnight where it can do its work when your skin is clean and you are catching up on beauty sleep.
4. Go with more makeup-free days: Fact: You’re beautiful just as you are. And since it’s summer, your skin will especially appreciate a less-is-more philosophy when it comes to makeup. Pare down your daily go-tos for a more au-naturale look with just a touch of mascara and a lip gloss. If you feel you need more coverage, try a tinted sunscreen instead of foundation like Juice Beauty Organic SPF 30 Tinted Mineral Moisturizer BB ($29).
5. Make zinc + titanium your sun protection BFFs: Memorize these two ingredients: zinc and titanium. When it comes to sun protection, these natural barrier screens will block UV rays better than chemical blockers and lower your risk of post-lather irritation or allergic reaction. The only downside is that they can leave a pasty residue or be heavy on the face if they are in an oil-based formula, so look for one that absorbs quickly and has a lotion-like texture rather than a balm, like Coola Organic Sunscreen Mineral Face SPF 30 Matte Cucumber ($36).
6. Create a simple post-beach beauty routine: Salt water dried on the skin can be irritating and drying. If you’re at the beach, take a real DIY approach and use bit of fresh water (so soothing from your icy water bottle!) and a washcloth to wipe down your face and neck after you come out of the waves. For an extra pick-me-up after your fun in the sun, carry a pack of face towelettes like Acure Organics Unscented Argan Oil Towelettes ($7) in your beach tote.
7. Keep a bottle of spray toner in the fridge. When you’re hot, the blood vessels in your skin dilate to help cool you down, making your face look red and irritated. By cooling your face with a chilled toner or even a thermal water spray like Eau Thermale Avène Thermal Spring Water ($9), you can keep your face looking calm and even. Stick it in your purse on the way out the door and spritz with abandon throughout the day!
8. Do not use face creams or serums with citrus essential oils: For summer months or during times when you plan on being in the sun 24/7, stash your products that contain expressed citrus essential oils like like orange, lemon, lime or grapefruit. They can cause something called a phototoxicity reaction, which can scar and leave permanent damage to your skin. Instead, try using products with essential oils like lavender, rose, rosemary or sandalwood, which have wonderful skin-soothing properties but don’t cause trouble when exposed to UV light. MV Organic Skincare has a Rose Soothing & Protective Moisturizer ($40) that’s a celeb makeup artist fave.
How are you transitioning to summer skincare? Share with us in the comments below.
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