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The Association of Divorce Financial Planners (ADFP) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North, Suite 700, Nashville, TN, 37219-2417. Web site: www.nasbatools.com.



Children and Child Care

The Definition of Child Care:
When someone else other than a parent is taking care of a child(ren) in attempt to help make them grow physically, emotionally, socially, and mentally.

Today, child care is most commonly used by single parents who work or go to school during the day. A tight schedule does not enable him or her to provide for the child(ren) in a manner that he or she believes is appropriate. Many times the demands to financially support a family is obviously a priority in order to provide the essentials. The majority of the time, child care can benefit both the child and the parent!

Be Sure That Your Choice of Child Care Delivers the Following:
  • Good Health and Safety Needs.
  • Good Activities to Enhance a Child's Social Behavior and Imagination.
  • Promote the Strengthening of Parent-Child Relationships

The Qualities That Make-up a Good Child Care Facility:
  • A Loving Caregiver (the person who is in charge of your child).
  • He or she should have training and experience in caring for children.
  • He or she should understand the wants and needs of both the children and the parents.
  • He or she should love children.
  • A Ideal Environment. ( safety is the most important)
  • Plenty of space to play and interact both inside and outside.
  • An area for napping and snack or lunch.
  • An array of toys that are creative, fairly new, and safe.
  • A variety of indoor and outdoor daily activities for children of all ages.

Different Types of Child Care:
At-Home Care: when the individual you hire comes to your home to care for the child(ren). This is often a friend or relative, but may also be what is often referred to as a Professional Nanny.

Before and After-School Care: when the parent's schedule does not able them to be available when school begins and/or when school lets out.

Child Care Centers: when a child receives care in a setting for several children. This is common with younger children. This includes nurseries and preschool.

Family Day Care: when the child is cared for at another home. Often times with other children from after school until about six o'clock in the evening. Play time exists and an emphasis on doing homework.

Employer Sponsored Child Care: larger companies often offer a child care service at the workplace in order to promote employment and the quality rearing of the employes child(ren).

How to Find Quality Child Care:
This is extremely important for your child's welfare, so be sure to shop carefully!
  • Start by Making List of Services in Your Area:
  • Acquire the list by asking for information from:
  • Social Service Organizations
  • Churches and Synagogues
  • Schools and Universities
  • Friends, Neighbors & Co-workers
  • YMCAs & YWCAs
  • Girls & Boys Clubs
  • Local Women's Groups
  • Community Organizations
  • Questions to ask the Child Care Service:
  • What days & hours are you available to provide care?
  • How much will it cost?
  • Are you licensed and insured?
  • What is your experience/education?
  • How long have you been in business?
  • Is transportation available?
  • Are meals and snacks provided?
  • Is there homework time?
  • Do you have any child care licenses?

Now Pick the Best:
  • Choose the few (three or so) that meet your required needs.
  • Make an appointment to visit each one with your child(ren).
  • Things to Ask :
  • What does the cost include and how often is it due?
  • How many children are there for each caregiver?
  • What is the experience and training of the caregivers?
  • What is the daily routine?
  • Can I visit whenever they like? (very important that they can)
  • What are some of the daily activities?
  • What happens if my child(ren) or someone else's becomes sick?
  • Do caregivers know basic first aid- CPR, etc.?
  • How are children disciplined?
  • Is there transportation provided and what kind and by who?
  • Will anyone I have not met be caring for my child(ren)?

Things to Look For:
  • Current State Child Care License.
  • Toys and furniture appears safe and are in good condition.
  • Electrical outlets have safety caps and heaters are not exposed.
  • Smoke detectors and monthly fire drills.
  • First aid equipment.
  • How clean the child care facility is.
  • The outdoor area is fenced in.
  • Each child has a space to store belongings(if any).
  • There is a space for rest (naps) as well as recreation and play time.

Making a Decision:
  • How much can you afford to pay and for how long?
  • Do the available times for child care meet your needs?
  • What is best for your child's welfare.
  • Which child care facility has activities that your child will benefit from.

Always Have a Written Agreement:
  • Costs.
  • What will be done in case of emergencies.
  • Daily routine.
  • Days and hours care will be given.
  • Caregiver's responsibilities.
  • Parent's responsibilities.

Getting Adjusted to Child Care:
  • Make it easier on both you and your child(ren) by talking about it.
  • Allow for plenty of time to get ready.
  • Let your child(ren) take a favorite toy or "security" blanket.
  • Spend some time at the child care facility with your child(ren).
  • Always say goodbye to your child(ren).
  • Call occasionally to see how things are going.
  • Get to know the Caregiver better.
  • Have a positive attitude.

Return to the Children Page