Winter might be known as the most wonderful time of the year, but our skin tends to disagree. The cold weather combined with the dry heat we blast in our houses inevitably leads to a dehydrated, dull complexion that is anything but wonderful. While there are plenty of skincare and makeup goodies to get your skin glowing, we love the idea of boosting our bodies from the inside out with the help of some cold weather-fighting supplements. We’ve rounded up 15 of our faves that are filled with ingredients guaranteed to strengthen your hair, skin and nails throughout the coolest time of the year.
1. Sibu Beauty Sea Buckthorn Oil Cellular Support With Omega 7 ($30): Sea buckthorn oil is already a very popular ingredient for skincare because of its high dose of omega 3s, so it’s a no-brainer that it would make for an excellent beauty supplement.
2. The Beauty Chef Hydration Inner Beauty Boost ($40): Hydrate your skin with a probiotic elixir chockfull of skin-loving goodies such as coconut water, aloe vera and lemon myrtle.
Perricone MDÂ Skin Clear Dietary Supplements
must for winter!
4. Puritan’s Pride Bee Pollen Complex ($12): Bee pollen might not seem like an ingredient you want in your body, but it actually makes for a fabulous supplement. It helps to maintain energy as well as overall health during the cold winter season.
5. Murad Firm and Tone Dietary Supplement Pack ($138): While we might think of skincare as being a topical-only treatment, that’s actually not the case at all. Skincare brand Murad created this supplement to help improve the texture of your skin as well as the appearance of cellulite using a blend of healthy ingredients.
6. High Potency Biotin ($15): Biotin is a B vitamin that is found in a wide variety of food sources. It works fantastically at improving the appearance of skin, hair and nails because it’s a necessary component for cell growth.
7. Moon Juice Beauty Dust ($65): Pour a little beauty magic into your daily cup of tea with this powdered blend of goji, pearl and rehmann. This formula helps to increase collagen and silica production, leaving you with hydrated and rejuvenated skin.
8. Perricone MD Super Berry with Açaà Dietary Supplement Powder ($75): Super berries to the rescue! This supplementary powder is easy to use on the go and provides an instant boost of energy while helping to fight wrinkles long-term.
The Honest Company DHA Complete
oil for our skincare rituals, but fish oil? Believe it or not, the supplement is actually a great addition to your health routine
10. Phyto Phytophanère Hair and Nails Dietary Supplement ($59/120 caplets): Nourish your body from the inside out with this dietary blend of vitamins and omegas. The supplement helps to create fuller, stronger hair and nails as well as overall healthier skin.
11. NeoCell Beauty Burst Collagen Soft Chews ($20): Skin and hair health have never tasted so good. These fruit punch flavored chews pack quite the punch, providing you with skin hydrators and collagen enhancers such as hyaluronic acid and vitamin C.
12. Nature Made Prenatal Multivitamin ($15): While these vitamins are meant for women who are pregnant or trying to get pregnant, many ladies love them for their skin and hair benefits.
13. Murad Pure Skin Clarifying Dietary Supplement ($43): This supplement uses yellow dock and burdock root to strengthen your internal defense against breakouts. The result is clearer and all-around healthier skin.
Heliocare Daily Use Antioxidant Formula
SPF should always be a must, this antioxidant-enriched formula provides extra protection against sun exposure and UV damage.
15. Hum Nutrition Arctic Repair ($60): Lingonberries are the main ingredient in this dietary supplement that helps to rejuvenate your skin. Combined with plenty of vitamins and omegas, taking this daily will help brighten and refresh tired skin over time.
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
The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Investment Services, LLC or Kestra Advisory Services, LLC. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regards to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. O'Keeffe Financial Partners and any other entity listed herein is not affiliated with Kestra IS or Kestra AS Investor Disclosures: https://bit.ly/KF-Disclosures