LICENSE vs. UNLICENSED ENROLLMENT CALLS

[kitkat]

I just had my homeowners insurance add a rider to the policy. It costs about $66 a year.

I'm not licensed (it's not required in my area for caring for 3 or less children), but I also added a rider to our policy. It was around $65 also. You'll have to check with your insurance provider because not all companies will cover you. I had to switch and am now with State Farm.

[Unregistered]

Our homeowners policy wouldn't add a rider on for home daycares. Sooo, we had to purchase a separate policy from another company, and it costs us around $300 a year, a tax write off, but I sure wish we could have gotten the $60 deal.

[msue1301]

licensing requirement surprises


I am getting very frustrated with the licensing too. Last year the new specialist said I had to do something the previous specialist said I did not. I contacted the previous specialist who then denied ever having agreed with me, and my husband even remembered the conversation! Now, this year the same new specialist that was here last year is telling me that any room in my house is "accessible" to the kids if there's no lock and my kitchen drawers, and everything is suddenly accessible even though the kids aren't allowed in the kitchen, and nothing is any different than last year! Now I have to put safety catches on all my drawers, cabinets, etc. in my kitchen. Our dog is potty trained to go on a pad in the utility room (other side of a galley kitchen) because I can't always get her outside the way our house is set up. She's saying that's accessible to the kids too! So now I have to choose between the daycare and our dog. We've had her nearly 7 years and no one has said anything about that pad yet! Even this same specialist! I'd go unlicensed but being in a low income area I'm not sure how many kids I'd get and it wouldn't look too good...

[seashell]

I am getting very frustrated with the licensing too. Last year the new specialist said I had to do something the previous specialist said I did not. I contacted the previous specialist who then denied ever having agreed with me, and my husband even remembered the conversation! Now, this year the same new specialist that was here last year is telling me that any room in my house is "accessible" to the kids if there's no lock and my kitchen drawers, and everything is suddenly accessible even though the kids aren't allowed in the kitchen, and nothing is any different than last year! Now I have to put safety catches on all my drawers, cabinets, etc. in my kitchen. Our dog is potty trained to go on a pad in the utility room (other side of a galley kitchen) because I can't always get her outside the way our house is set up. She's saying that's accessible to the kids too! So now I have to choose between the daycare and our dog. We've had her nearly 7 years and no one has said anything about that pad yet! Even this same specialist! I'd go unlicensed but being in a low income area I'm not sure how many kids I'd get and it wouldn't look too good...

Just tell them you got rid of the dog. They won't know the difference.

[tymaboy]

Depending on how big the dog is you could get a baby gate & put it up but leave it up high enough for the dog to crawl underneath. I do that with one of the gates here so the cats can go down to the basement where there boxes are. What if you do not put the puppy pad down when you know you will be having an inspection then that would not be a problem.

[mac60]

Being able to write something off isn't the same as having an income of the same amount-write off is a nice way of saying "expense" that you don't have to pay taxes on.

Revenue is money coming in....deductions is money going out. I'll take a check for $250 every time over a write off of $250.

It's not unheard for a DC provider to have food program checks coming in of $250++ per month.

I do believe that we are able to write off a percentage of groceries, but not 100% sure on that....that's the wife's and the CPA's dept.:confused:

I was told you have to count those checks as part of your income.