Daycare costs more than college in 31 states (son, classes, 16 yr old)
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I'm still trying to fully understand why a toddler or preschooler would need a "full on education". Do 3-4 year olds have the attention span for such an endeavor. My daughter went to a pretty flexible play-based preschool and now she is in late high school and while she isn't a validictorian, she does have all A-grades.
"Complete and total package" sounds like more of a status phrase more than anything. If I saw a daycare with a tuition of $25,000-$60,000 annually I would think to myself that it may be a nice program, it's not worth that expense. Plus, I don't think any colleges are looking at which daycare your child went to.
LOL, I can't say as I've ever seen that asked on a college application!
Based on doing my taxes this year via turbotax the cut off is like $3500K, so it's easy to max out on that pretty quickly. It doesn't play into lowering tax rate to a meaningful degree. Unless I'm doing something wrong where I would love to be corrected.
No, I'm sure you're right. I haven't paid for childcare for many years ( kids are grown), and I didn't realize there was a maximum claim for it on income taxes- or maybe there was when we used daycare ( back in the 80's-90's) and we never went over that limit, and I had forgotten about it. Daycare used to be a lot less expensive back in those days- one place I used was $50/week, and that was close to the going rates then. I worked part time, including weekends, when the kids were little, and DH jumped through a number of hoops to take time off when the kids were out of school, or sick- he was lucky to have an employer that allowed this, and he'd been there about a million years so he was a fixture around the place. My mother helped out some too. So we had the child care pretty well taken care of.... so maybe I never realized the true costs.
That's true, with the daycare costs reportedly as high as they are these days ( and I believe it, they've been going up for years, starting back a few years after we used it), I can imagine one's tax advantages max out pretty soon.
There is a big difference between the at-home daycare versus the one I am doing.
Home based daycare you need backup care in case the daycare provider is sick.
Home based daycare is usually a single room in a house, while my daycare has multiple classrooms.
Home based daycare does not have outside providers come to class to teach dance, music, sports, sign language, etc.
Home based daycare varies widely in quality, as some home based daycares have little curriculm and watch lots of movies each day while others may rival the quality of center-based programs.
Home based daycare may not have a lot of investment in new toys and other activities. The amount of investment is dependent on the providers financial situation.
Home based daycare typically never have state licensed K-12 teachers.
I'm sure there ar emore differences but those are the ones I can think of off the top of my head.
Home day cares, depending on the states in which they are located, are regulated if they care for more than X number of kids who aren't relatives ( those details depend on the states). But those regulations cover things like safety, health issues, staffing ratios, they don't address learning type issues. So as you say, I never thought of home daycare as more than places to take care of one's children when he/she's working. So daycares ( home or other) may offer formal learning programs, but these vary ( as you've mentioned).
Yes, but my tax rate for 2013 was 14%, and I'm a high earner. I've heard our taxes in the US are much lower than Europe.
What? My tax rate:
Federal: ~30%
State: 3%
Local: 1.2%
So I'm basically at 35%.
We pay $750/ month (M-F, until 12:30) and also pay a nanny $1,200/ month, so almost $2K/ month or $24K/ year, which is cheaper than college. To be fair, if our kid wee full time, I think it would be about $1,100/ month or $13,000/ year, which is cheaper than most colleges.
What? My tax rate:
Federal: ~30%
State: 3%
Local: 1.2%
So I'm basically at 35%.
We pay $750/ month (M-F, until 12:30) and also pay a nanny $1,200/ month, so almost $2K/ month or $24K/ year, which is cheaper than college. To be fair, if our kid wee full time, I think it would be about $1,100/ month or $13,000/ year, which is cheaper than most colleges.
You don't pay 30% of your income on taxes. Your final dollar earned might be at 30% but your first dollar earned is essentially tax free. It averages out to way less than 30%.
Well since ALL children don't bite it isn't necessary to cut out that particular behavior in ALL children. And some parents address it and some don't. You just cannot claim to speak for all daycare situations based only on your own (negative) experience, while qualifying the behavior of some SAHPs based on only positive experiences.
This is what's disturbing me. A lot of people are acting like stay at home with your parents should be negative. How many parents do you think are neglecting and abusing their children? (The general you.)
This is what's disturbing me. A lot of people are acting like stay at home with your parents should be negative. How many parents do you think are neglecting and abusing their children? (The general you.)
No....I haven't seen anyone acting like that. Please show where people have indicated this.
In fact, I think you'd be surprised to hear that several of the posters you are arguing with have been SAHPs. And enjoyed it. And did a good job of it. And also have a history of defending SAHP equally.
In my Pre-K ESL class, we actually learned strategies on dealing with parents and their unreasonable expectations of what early childhood education actually meant.
This is what's disturbing me. A lot of people are acting like stay at home with your parents should be negative. How many parents do you think are neglecting and abusing their children? (The general you.)
I have not seen anyone acting like this. People are simply sharing their experiences that happen to differ from yours, which shouldn't be surprising.
Quote:
Originally Posted by June87
Exactly. I learned this, too.
Are you employing those strategies now, in this thread?
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How many parents do you think are neglecting and abusing their children? (The general you.)
