Family Ever After Blog

Family Ever After Blog

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Work-From-Home Moms: A Handy Guide to Self-Employment Taxes

Are you a self-employed, work-from-home mom? Then you should do your homework on self-employment taxes in order to avoid any nasty surprises down the road. Check out the basics you need to know below!  

Self-Employment Tax 101

First of all, all self-employed individuals must pay self-employment taxes (SE taxes) if they have at least $400 in annual net earnings. Specifically, you are self-employed if:

  • You do business as an independent contractor or sole proprietor
  • You’re a member of a business partnership
  • You are in business for yourself in any other way

Filling Your Self-Employment Taxes as a Work-From-Home Mom

The categories above are really broad and encompass all sorts of freelancing and part-time gigs. In fact, more than 15 million Americans are self-employed. So, if you meet the criteria, you have to file a Schedule C (Form 1040) income tax return annually.

Using the 1040 form, you will have to make quarterly estimated tax payments. You will need to use last year’s tax returns to fill out your 1040, so make sure to track your yearly returns.

At the end of the fiscal year, you will have to file your annual tax return. To do so, you have to report your profit (or your loss). Simple enough, right?

Self-Employment Tax Breaks and Deductions

Thankfully for self-employed moms, you are taxed on your net income. This means that lots of business-related expenses are tax-deductible. Those write-offs will play a crucial role in making your work-from-home operations profitable.

Especially if you are transitioning from full-time employment to the realm of freelancing, you have to squeeze tax deductions as much as possible. The deductible expenses include:

  • Startup costs
  • Legal costs
  • Business equipment and supplies
  • Marketing and advertising
  • Transportation and vehicle expenses
  • Home office costs
  • Health insurance and medical care premiums
  • Several other house-related expenses for people who work from home

With such a long list, it’s easy to miss some obscure write-off. That’s why it’s important to either use tax software, or team up with an accountant to figure out what’s tax-deductible for you.

Moreover, you should look into pay stubs to keep your operations tidy. Pay stubs are a way to keep track of paid taxes, overtime, and business expenses. Want to generate pay stubs instantly? Check out ThePayStubs for the simplest way to create pay stubs online!

Finally, since 2018, business owners whose profits and losses go through their personal tax returns are eligible for the 20% pass-through tax deduction. This tax deduction allows work-from-home moms that qualify to reduce their taxable income by an additional 20% after deducting business expenses!

Liked our Self-Employment Taxes Article? Check Out More Inside!

Self-employment taxes may seem like a hassle, but hopefully, you now know where to start!

We are dedicated to help you navigate life and find more time to enjoy with your loved ones. So, if you liked our article, come on in and check out more useful articles on business, as well as a range of other topics, including lifestyle, family, food and more!

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Why Getting Your Health Insurance is the Right Decision

Most people never get around to the idea of getting a health insurance for themselves. The usual reason that they will give out is that they are too lazy to go out and get an insurance. However, most people do not even realize that they are too lazy to get up and get their insurance is because they feel that the process for gathering all the information and documentation is so extensive that it will be a huge hassle. However, that is very far from the truth.

The Insurance Agents

In truth, insurance agents will not just instruct you in the process of getting an insurance plan but even facilitate you by making your process easier. So, essentially you are not getting an insurance plan (being lazy) without any real reason. These insurance agents will not just help you out, but reach out to sell their companies insurance plans.

They will give you all the information that you need to have about your health insurance. However, if you want an even easier way out, you can Learn more about Private Health Insurance at iSelect. For now, here is why your family needs that you have Health Insurance:

Preventative Services

Having health insurance means that you can go to the doctors for preventative services that will help you avoid any serious diseases later on in life. This means that you avoid paying for vaccinations or virus breakouts in your town and walk around healthy. This not only increases your efficiency at work while everyone else is calling in sick, but also increases your competition and goes a long way in keeping you healthy.

Conditions

Several health conditions such as cardiovascular diseases warrant that you take regular trips to your doctor. With a health insurance plan, these trips will cost you nothing and you can keep your health up even with this serious condition. Moreover, in case of any emergencies, such as a cardiac arrest or heart attack you will receive immediate attention with your doctors and find the very best care immediately. All this will happen at no cost at your pocket. Otherwise the costs of regular visits or hospitalization in a heart attack can be substantial.

Flexible Options

Another very important reason to get your health insurance is simply the fact that you can find flexible plans that will suit your need. As a result, you can customize your plan according to your own needs. So, say you are someone that is not prone to falling ill and do not have to visit the hospital very often. Keeping this in mind, you can choose to go for a plan that does not have a premium as high as the plans that give you much more care. That way you have a plan that suits you and covers you in case of emergencies but also one that does not weigh as heavily on your pocket.

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7 Steps to Make Your Home Safer for Children

Of all the places your child goes, your home should be the place where they feel safe and secure. However, each year, millions of children are injured or become unwell because of preventable accidents in the home or exposure to toxins. More often than not, these incidents are pure accidents which occur simply because parents are not aware of the dangers themselves as they are not immediately apparent. Every parent wants to provide a home for their child, which is both healthy and safe, so here are 7 of the most crucial steps to take to make your home as child-friendly as possible.

  • Protect Children From Hot Water

Make sure that the temperature of your hot water is set to no higher than 120 degrees F. If you were to put your child in a bath of hot water (140 degrees F); it can burn a child’s skin as quickly as fire. In addition to setting the thermostat, you should always check the temperature of the water before your child comes into contact with the water. Kettles should be placed out of reach of children ensuring the cord is not hanging where it can be pulled and, of course, extra care should be taken when moving and placing hot drinks when children are in the house.

  • Get Your Electrical System Checked

A faulty electrical system in your home puts everyone at risk not only from electric shock but also potentially from a fire. The National Fire Protection Association advises that all electrical work done should be carried out by a qualified electrician, including electrical inspections when remodeling or buying a home. If you are using lots of extension cords in your home, this could lead to overloading, but by searching for “licensed electricians near me”, you will be able to install more outlets in your home to improve this safely.

  • Secure Your Windows

You may not realize it, but thousands of children visit the emergency room every year after falling out of a window in their own home. These accidents are entirely preventable by merely installing window guards on the windows. These are bars or mesh screens which are secured to the frame to prevent children from opening and falling out of the window, but they are easy and quick for an adult to release in the event of a fire. If you have cords on your shades and blinds, keep furniture which children can climb on away from them as young children can become entangled or even strangled. Ideally, try to use cordless blinds, especially in your child’s bedroom.

  • Prevent Falls and Bumps

Falls cause a huge number of accidental injuries in children under 14, but toddlers who are just learning to walk are at most risk of falling down the stairs or off of/into furniture. Wall-mounted baby gates at the top and bottom of the stairs will stop children from using them without your supervision. You may also want to add padding or cushions to sharp corners of tables to minimize the damage caused if/when they bump their head.

  • Keep Poisonous Products Locked Away

Children are curious explorers by nature and have a nasty habit of putting what they find in their mouth. This is why you need to ensure that any products which could cause them harm if ingested are out of reach and locked away. This includes household cleaning products, cosmetics, bathroom toiletries, and more. If you suspect that your child has ingested a poisonous substance, contact the Poison Control Center.

  • Have a Fire Safety Plan

In addition to a smoke alarm on every floor of the house, every home should have a fire escape plan which older children and adults know by heart. You should test these smoke alarms every month and never let batteries run flat. It’s also a good idea to have a fire extinguisher in your home to put out small fires. However, if you cannot contain the fire, get the family out of the house and call 911.

  • Get a Carbon Monoxide Detector

Carbon monoxide is an odorless and colorless gas produced when fuels like natural gas, propane, oil, kerosene, and coal do not burn completely, and it’s hazardous, especially for children. The carbon monoxide replaces the oxygen in the bloodstream, which starves the heart and brain of the oxygen they need.

Early symptoms of carbon monoxide poisoning can be much like the flu as well as dizziness, nausea, fatigue and passing out, and in extreme cases, it can cause brain damage and even be fatal. Because it can’t be seen or smelt you may not be aware that you are being poisoned until it’s too late, so it’s essential to get a carbon monoxide detector which will alert you when there is a leak. You should also get your heating system checked and serviced annually to ensure it is operating safely.

Your home should be a safe haven for not only your children but for yourself and your partner too. Often, parents are not aware of the dangers in a home until their child gets hurt, but by being prepared and keeping the above hazards in mind, you’ll be able to protect your child in the house effectively.

 

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5 Ways To Surprise Your Sister In Delhi On Her Birthday

Your sister is not only your friend but your best secret keeper too. Every little happening of your life is known to her. From your first proposal to your first love, she knows everything about you and it doesn’t end here. She is the genie of your life who has a solution to all your problems. From finding a hair band matching your outfit to dealing with break-up, she has been there for you all along.

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You sister’s birthday is just around the corner and she definitely deserves something special. You can always gift her something and made her day but what else you can do to make this day memorable for her. Here are a few ideas that you could follow to make her realize that even she has the best sister in the world.

  • Take Her Shopping In C.P

Yes, it might be one of the most famous food venture spots but you cannot deny that it has some of the best things for a fashionista out there. If your sister loves a good outfit of the day, take her shopping at Connaught Place and make her day a special one.

  • Midnight Cake Delivery

Yes, why not to start the celebrations a little early? Order a scrumptious cake in her favorite flavour or opt for a designer cake. Go for midnight cake delivery in Delhi by Bakingo. They have a wide assortment of flavours from classic chocolate to exotic orange. Choose any one and thank us later. She will be delighted with such a sweet gesture.

  • Dance The Night Away

Head to Kitty Su at Connaught Place and start the day while tapping your feet to the sound of renowned international electronic music artists. Open till 3 A.M, this dance venue will make the night memorable for her and her friends. It has been named Delhi’s best night club since 2011 and it’s the best way to start your sister’s birthday who loves dancing.

  • Take Her Out Of City

Start early and head to Lansdowne, a pretty hill station which is just 190 kilometers away from the noisy city. Make it a family trip and enjoy pristine Himalayan beauty with poetic silence and oak and pine forest and trust us, she will never forget this birthday in her lifetime.

  • Dinner At Murthal

Comprising of some high end Dhabas with delicious food at affordable rates, this one will not let you down for sure. You may have been there before but all dressed up on her birthday will make her feel different this time. You can also enjoy the fold music and dance on the beats and clicks loads of pictures to make it a night to remember.

  • The PaintBall Co

If she loves adventures then this one will make her high without any alcohol. The paintball war at The Paintball Co will make her thrilled at the rush and she will enjoy her heart out. This will be different from usual movies and mall and she will remember this birthday forever.

 

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Moraira – The Leisure Town

The Costa Blanca is famous for its beautiful beaches and scenery. However, one town really has everything you could want. Moraira combines access to some of the cleanest beaches and best scenery with an excellent array of leisure activities. It is one of the best places to retire to in Spain and attracts a lot of Spanish tourists. As a town that is popular with the natives, it is one of the best places to go to for the entertainment of a bigger tourist draw that still keeps its authentic feel.

Moraira is a relatively small town. However, its facilities are second to none. No matter what type of life you’re looking for in Spain you can find it here. The nightlife might be secondary, but with Benidorm just down the road that won’t be much of a problem.

The Village Life in Moraira

Many people are looking for an authentic lifestyle in the Costa Blanca. Moraira manages to give you this without having to sacrifice any of the luxuries that come with a bigger locale. The town has grown out of a small fishing community. This has given it a vibrant scene of great authentic food. There are eight Michelin recommended restaurants in the area, no small feat for such a small place.

While it caters to foreign visitors, the Spanish charm of the town is definitely still intact. It is easy to blend into the idyllic life. The centre is made up of traditionally Spanish looking architecture. This is home to a weekly Friday market, where you can purchase local produce and some of the freshest ingredients available. With this on offer, you don’t want to have to go out to eat great food.

Activities in Moraira

Moraira is home to a Yacht Club that facilitates anyone with an interest in seafaring to take up the hobby. This is the remnants of its fishery past. However, taking some time to head out into the clear seas is a great way to spend your time in Moraira.

There are clubs in the area for you to play tennis, football, squash, water sports and even horse riding. This is along with go-kart racing for children and adults, and even a fairground! If all of that sounds a little too flashy for you, you might enjoy the three golf courses that are just outside of Moraira.

Scenery

While days out and activities are a lot of fun, sometimes you just want to relax in nature. Moraira is home to Blue Flag beaches, which promise you the cleanest beaches. The wildlife and countryside just outside of the town are equally enjoyable. It is situated in a mountainous region, so anyone who feels up to a hike will be in luck.

These amazing properties for sale in Moraira can give you access to all of the leisure activities in the town. With the area being such a popular spot for Spanish tourists and retirees, it can be hard to actually find property for sale in Moraira. Whether you’re after days out, great beaches or beautiful scenery, property for sale in Moraira can give you all of it.

To read more on topics like this, check out the lifestyle category.

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Four Essential Steps To Help You Cope With Bereavement

Unfortunately, loss is a very sad part of life. It affects everyone, however, you can never quite prepare yourself for losing a loved one even if it is expected. There is no quick fix to bereavement, and learning to accept what you’ve lost is a long, painful, and arduous journey but it does become easier with time, and with the more coping strategies you feel ready to adopt. Accept help where you feel you need it, but also reject it if where you don’t. This is your grieving process, and you will grieve in such a way that is most appropriate and helpful for you.

Celebrate Their Life

Losing someone is the worst feeling and it’s very easy to focus on who you’ve lost and what you’ll never get back. However, it’s also crucial to remind yourself of all the happy memories you and your loved one shared, how happy they made you and how they lived their life. Understand that they were adored by their family and how they’re now at peace.

Getting funeral preparations underway might be something far from your mind right now, but they do need to get sorted. Invite your family to assist you in getting things prepared, so decide upon the venue, their place of rest, the range of headstone prices, the wake, and the speeches for example. Push on with these plans as pragmatically as you can so that you can then relax and think about when you can visit them peacefully in the future.

Don’t Be Afraid To Say No

If you’re not yet ready to begin meeting up with friends, and falling back into your day-by-day week-by-week routine then don’t be afraid to politely excuse yourself from plans and explain that you’re not yet up to it. You will be grateful for plans and distraction when the time comes, but if that’s not yet now, then don’t feel guilty about not attending events.

Don’t Put Pressure On Yourself

Quickly accept that grief can have a very different effect on different people. There is no one way to grieve, and no right or wrong way. Grief is personal, and you will find your own ways to try and cope with losing a loved one. There is no one size fits all, and grieving will be a journey to acceptance, understanding, and learning. You may not ever fully “recover” after losing someone, however coping mechanisms allow you to get on with the rest of your life in such a way that makes day-to-day life easier and manageable.

Don’t put pressure on yourself to get back to work too quickly, to agree to see people, or even to be “over” the death of someone. Accept that you’ll feel better when you feel better, so resist the urge to stay constantly busy.

Keep Some Routine

Bereavement can make you feel terribly alone and isolated, and although it’s crucial to know that you have a large network of people around you who love and care for you, you might not feel up to getting back into your usual routine, and that’s fine.

If you’re at home or not quite able to venture far from home, then remember to stick to some sort of healthy routine to ensure that you’re eating well, drinking enough fresh water, getting an adequate night’s sleep and interacting with others (you can start in small doses if you’re not feeling ready to socialize).

To read more on topics like this, check out the lifestyle category.

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Popular Roulette Strategies

Roulette is one of the easiest Casino games and the iconic wheel a recognisable feature in decades of classic Hollywood Film and at online casinos like https://www.dreamjackpot.com. The outcome relies on chance and as many of you will most likely gladly appreciate, does not require the player to have any particular existing skill or knowledge. Saying that however, as is the case with every casino game, there are still a range of strategies that can improve your odds and fun. Whilst not a guarantee plan for success, these popular roulette strategies will help to minimise the potential loss and risks involved.

Setting a Budget for Roulette

Undoubtedly the most important strategy is to know your budget. You may think this is obvious but too many players have got caught up in the thrill and rush of roulette that they spend too much too quickly. It’s a slippery slope when the foolish end up chasing their losses and struggling to recover. Once you’ve set a budget, you can plan your pace of play and have a better idea on how much to bet each go. This was you can keep in control, cool headed and focus on which of the popular roulette strategies you’re going to pursue.

Outside Bets Only

If you’re not feeling too risky, then sticking to outside bets only is a popular strategy to go for. Outside bets are those that are placed outside of the numbered grid on the roulette table. They can be made on odd/even numbers, colours or a collective group of numbers. Whilst the payout may be lower, it’s a safer tactic with simpler returns and recommended especially for those who are new to roulette and want to get familiar with it first.

Inside Bets Only

Once you’ve played for a bit and got into the swing of things, you might be feeling a bit more confident. The roulette strategy of inside bets only is a popular roulette strategy that steps it up a notch. Inside bets are the exact opposite of outside and are placed inside the numbered grid on the roulette table. The ‘straight’ inside bet is a bet that’s placed on just one number. Obviously the chances of you winning are much smaller but the prize is a lot bigger if you do. Inside bets also include what’s referred to as a ‘split’. With this bet you are picking two numbers next together. This method is popular if you want something more than outside but can’t bring yourself to risk it all on one.

Martingale System

So this is where it can get a little more intricate. This popular strategy doesn’t just focus on your actions for each individual bet but also how you should play the game as a whole. To begin, start small, for example £2 and if you win, continue to bet just £2. When you lose a bet, then double your bet so that you can cover your losses and make a little profit with a future win. Be warned however, this is a long game plan strategy and you have to have enough of a budget to keep going even on an unlucky streak.

 

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Jewellery is loved by Women

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We all know about the importance of jewellery in the life of a woman. Married or unmarried, all women love jewelry. And when it is about the diamond jewellery, every woman love it by heart. You can gift the bangles to your loved ones to make them happy. Diamond bangles are always preferred by the woman for every occasion. Bangles helps you to enhance your beauty. It will not cost you as much as other jewellery do. Bangles are very suitable and comfortable for everyone to wear in daily routine. A lot of designs in bangles with price are available now a days which may make your decision tough. But you do not have to worry at all. We will help you to take the right and best decision for your appearance.

How to choose diamond bangles-

A lot of questions may arise in your minds about how to choose the perfect bangles for yourself. It may be hard to find out the best one in terms of style, materials and colors etc. All the answers to your questions are here.

  1. Choose where you will wear the diamond bangles – you will wear the bangles at your workplace for most of the time. If you are a professional, you have to look classy with a formal look. And for the weak ends, you need a casual look. Stacking bangles will add a new change in your appearance. So choose according to the place where you are going to wear the bangles.
  2. Quality – you must want to get the perfect one according to what you have paid. Quality matters a lot. Cheap quality material will give the fragile look to the bangles. So, from where you are buying the bangles also matters a lot.
  3. Designs according to your appearance- when we talk about the designs, one should choose the design according to their appearance. A lot of modifications can be done to make them look prettier and attractive.
  4. Prices – today, the market is very huge. Every manufacturer have their own prices for their designs. Prices also depends on how the particular bangle is manufactured. There is a difference in the prices of manmade and machine made jewelry. So be attentive while purchasing.
  5. Correct size – you should buy the bangles with one or two inches larger than your wrist size. It will give a prettier look to you.

From where to buy the diamond jewelry-

Melorra is the best option to buy the diamond jewelry in reasonable prices. It is an online shopping store which is very reliable. They provide you a lot of designs for buying diamond bangle online india. Their designs are very light weight and best for the girls. Their style, material and colors are up to mark. It gives an outstanding addition to your look. Their designs are suitable for daily use as well as for occasion. They get easily paired with every type of outfit. They provide the jewelry at very reasonable prices without adding any unnecessary cost. It is a trusted brand and you can go with it without any hesitation.

 

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3 Tips to Find the Most Efficient Math Learning Game for Your Kids

As a parent, I know how hard it can be for some children to grasp the concepts of math. Even as an adult, it’s sometimes a good idea to brush up on the concepts of algebra. But math can be boring, sometimes.

Best 10 Games for Learning Math

I recently came across some tips that were useful to encourage kids in math and to help myself, too. Below are three of the most useful tips.

Play the Free Apps and Save Money

If your budget is tight, you’ll be happy to know there’s lots of free learning games for math to help you save money. This way you can get the practice you want without having to spend money. The free math apps are just as effective as worksheets but they’re interactive and fun. They also let you practice math anywhere and anytime and get feedback instantly for your wrong answers.

It’s also not necessary to sacrifice quality to get something free. A lot of the more critically acclaimed and popular learning programs have free apps available or even trial versions. This means you’re getting high quality lessons and not having to pay a lot of money.

Use Popular Trustworthy Games to Improve Math Skills

If you want to have fun and choose a high-quality app, apps that are popular and have high ratings are a great choice. Some of the most popular options are Red Ball, Papa’s Ball, Math Playground and Hooda Math. These are all great puzzle and math games to help either your child or yourself with learning and retaining knowledge.

A lot of apps for math games have many different games, including different logic games, puzzle games, problem solving, and mini games that you can play quickly. Just like the games online, the very best ones are frequently updated and have new games added constantly. This helps people from getting bored. The biggest problem with these kinds of games is that it’s really hard to stop.

Search for the Games by Grade to Provide Lessons That are Age Appropriate

It’s important that you are finding the correct level of math games. This way you don’t have to worry about games that are really easy or games that are really difficult so you’re not losing motivation. Also when you choose the right level will ensure that you or your child are able to practice those concepts they’re learning in their classroom. There’s many different math games out there for all grade levels.

These games aren’t just for children, either. There are lots of games for those in middle and high school, as well as college. Anyone can benefit from playing these games for brushing up on their skills in math.

Conclusion

When you make math fun, you’ll find that your children are eager to learn. Math games and apps are an easy way to do this, and with free apps, you don’t have to worry about spending a lot of money.

 

 

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6 Signals That Your Relationship Will Benefit from Marriage Counseling

When you’re in love and getting married, you think that fairytale feeling will last forever. Though what they don’t tell you about relationships is that they take work — a lot of it.

Many view marriage counseling as a final straw. But actually, counseling can help a couple get to the root of issues before they become deal-breakers.

Let’s look at 6 signals your relationship will benefit from marriage counseling.

1. Your Communication Is Way off

Communication is the backbone of any relationship — that is, healthy communication.

Do you and your spouse not talk or talk only about negative issues? Do you keep secrets?

Remember, it’s not about what you say, but also how you say it. Marriage counseling will help you break through the barriers blocking effective communication.

2. Your Sex Life Is Non-Existent

It’s normal for a hot and heavy sex life to cool down after being together a while. But if things are very different, as in little to no sex at all, it’s a sign something is wrong.

Even having too much sex can mean your spouse is trying to make up for something.

If you’re noticing a chronic and significant change in your sex life that you can’t figure out a reason for, it’s time to talk to a counselor.

3. All You Do Is Fight

It seems that no matter what you say or what you do, you and your spouse are always fighting. Big things, little things, it doesn’t matter.

Fighting continuously about more than one issue is a sign of some underlying turmoil in the relationship. Couples counseling can help you figure out where it’s coming from.

4. Or You Never Ever Fight

On the other end of the spectrum, avoiding confrontation isn’t healthy either. Keeping quiet to keep the peace doesn’t solve anything. Plus, it allows resentment to build.

Having a relationship without open disagreements could signal a lack of interest. Let a marriage counselor help you talk through those issues to keep your relationship thriving.

5. There Are Ongoing Issues

Sometimes you run across an issue you and your spouse can’t seem to get past. It could relate to money, how to raise your children, or any other situation that’s important to both of you.

Having a third party talk you through your impasse can help your marriage survive. It may also help you see things from the other’s perspective you may not have gotten to on your own.

6. You’re an Engaged Couple

Yes, going through marriage counseling before getting married is a thing! And a healthy one at that.

A counselor will be able to help foresee any issues that could come up in a new marriage. Working through problems before saying “I do” will prevent bumps on the newlywed road later on.

Keep the Spark Alive with Marriage Counseling

Through it all, you know your spouse really is the love of your life. Keep that spark alive by letting your marriage benefit from marriage counseling.

Looking for more advice to help your family? Check out the posts on our Family blog!