18 Warm Breakfast Bowls to Cuddle Up With in the Morning
As much as we love to start the day with a smoothie bowl or cereal and milk, some mornings call for something a little less chilly. Enter, the warm breakfast bowl. Whether savory or sweet, these cold-crushing creations feature everything from assorted grains, eggs and veggies to fruit, chocolate and more to make a satisfying and steamy way to start the day. Enjoy going beyond the usual packet o’ oats in the AM with these 18 delicious combos.
1. Breakfast Burrito Bowl With Sweet Potato Noodles: We’re not ones to turn down burrito bowls, no matter the time of day. This recipe skips the usual rice and beans, making it a great, grain-free way to greet the day. (via Food Faith Fitness)
3. Chocolate Quinoa Breakfast Bowl (Dairy-Free, Gluten-Free): This chocolatey combo is kinda like rice pudding, only with more protein and none of the sugar. Serve it hot (or cold) with raspberries or strawberries sprinkled over top. (via The Blonde Pantry)
6. Blueberry Almond Flaxseed Porridge (Grain-Free): We’d venture to guess that this particular porridge is unlike any you’ve tried before. Enjoy it topped with fruit and nuts, or take it in a less sweet direction — you can’t go wrong either way. (via Dish by Dish)
7. Savory Oatmeal Breakfast Bowls With Crispy Eggs, Bacon and Scallions: It might be hard to go back to maple and brown sugar after you try this savory spin on oatmeal. Bacon, eggs and cheese add delicious, stick-to-your-ribs flavor to every bowlful. (via My Bacon-Wrapped Life)
10. Pesto Quinoa Breakfast Bowl: Tossing homemade kale-basil pesto with quinoa is a sneaky way to get a helping of greens in the morning. It forms a flavorful bed for a runny-yolk egg and tangy crumbles of goat cheese. (via Nerdy Bites)
12. Chai Tea Oatmeal: You only need five ingredients to make this spiced oatmeal. You guessed it — these oats pair wonderfully with a cup of chai tea to wash it all down. (via Healthy Nibbles and Bits)
18. Sweet Potato Breakfast Bowls With Beet Greens and Avocado: Roast the veggies ahead of time, and you can get these colorful power bowls on the table in only five minutes. (via The Roasted Root)
What are some of your favorite warm breakfast choices that go beyond pancakes and waffles? Share yours with us 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:
You X Ventures for Unsplash
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.
Kobu Agency for Unsplash
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