Seaside Nannies Web Blog

A Blog for Nannies, Parents and Children in San Diego, California

Summertime Activities by NAEYC July 26, 2008

www.naeyc.org

It’s summertime, school is out, and many families are at their wit’s end about how to fill three months of their children’s free time. Images of summertime are usually cast in a light of hot, lazy, relaxing days by a lake, but the reality for most working families is the struggle to balance the demands of adult work schedules with providing safe activities for children. This dilemma often results in hectic, stress-filled days comparable to those during the school year. While summer camp is an option for some, the cost of day and overnight camps can be too expensive for many families’ budgets. Structured activities are beneficial, but parents and caregivers should also keep in mind the advantages of unstructured time for children.

So what do we do to keep young children busy, yet also allow them to enjoy the summer months? Whether your child is a preschooler or school-age, a wealth of opportunities for fun, educational, and even relaxing activities are possible. Here are some tips that may be useful for families and caregivers:

Visit the library

Until recently, libraries offered little or nothing for children below the age of three, but in the past few years, many have introduced programs for toddlers. Children and adults can participate in activities that may include reading aloud, storytelling, fingerplays, rhymes, and songs. Preschoolers usually enjoy the group activities offered by libraries, where they can participate in puppet shows and arts and crafts activities. For elementary school children, there are variations of the read-alouds and storytelling hours that often include discussions and presentations by the children themselves, as well as summer reading programs. Many public libraries also offer training courses for children in using different software or educational programs.

Discover geography

What makes a place special? What are the physical characteristics of your hometown? Take children for a walk around your neighborhood and look at what makes it unique. Point out how it is similar to other places you have been and how it is different. If you live near a park, a lake, a river, a stream or a creek, take your children there and spend time talking about its uses. Read stories about distant places with children or sing songs to teach geography, for example “Home on the Range” or “California, Here I Come.” Make a wish list of places you would like to visit with your child. Look them up on a map and plan a trip there–real or pretend.

View and create collections

Go to a children’s museum to view hands-on exhibits or suggest that your children start a “collection” and build their own museum. They can collect natural materials, such as acorns and leaves from a local park or sea shells from the beach.

Nature’s best

Older children can learn about weather by using a map to look up the temperature of cities around the world and discovering how hot each gets in the summer. Watch cloud formations and imagine. Do the shapes look like horses, ducks or other animals?

At night, children can collect fireflies in jars, or depending on their age, camp out in a tent in the back yard. Create a treasure map for children to find hidden treats in the yard. Read about your state bird and state flower, and if possible, bicycle ride to a nearby park to find them.

Use community resources

Watch for special events, such as free outdoor music festivals or concerts. Many communities host evening concerts in local parks–pack a picnic dinner and enjoy time with your family. People are resources too–collectors, painters, and backyard naturalists may live in your neighborhood, eager to share their knowledge with children.

Rainy day activities

Summertime often brings thunder clouds. On days when outdoor activities are not possible, you can share family history and photos with your children. Pull out the old videotapes of past family gatherings and events. Prepare an indoor picnic with your child or cook dinner together.

Whatever the activity, children can enjoy and appreciate the summer months in ways that are both educational and stress-reducing for all involved.

Credits

National Association for the Education of Young Children
1509 16th Street, N.W.
Washington, DC 20036-1426
Phone: 202-232-8777; 800-424-2460
FAX: 202-328-1846
E-mail: pubaff@naeyc.org
Web: http://www.naeyc.org/

 

The Legal Review (written by: Breedlove and Associates) July 19, 2008

As a service to our agency partners, The Legal Review will share household employment law in a real-world, case-study format.  These cases will illuminate potential legal landmines for your agency and/or your clients, and more importantly, show you how to avoid them.

 
Tax Breaks for Health Insurance: 
How Your Families and Nannies Can Benefit – Along with Your Agency

Health insurance is an important benefit that every household employee would like to have as a part of their compensation package.  Thanks to tax breaks for both the employer and the employee, it’s much more affordable than most people think.
 
Guiding clients and candidates to a win-win health insurance situation can be accomplished rather easily with a little understanding and planning.  This edition of The Legal Review will show you how easy and beneficial it can be for all parties – including your agency.

Background

How Health Insurance Works

 

While most Americans have health insurance coverage under a group policy, household employees are covered under an individual policy.   Like all employers, the government encourages household employers to contribute to their employee’s health insurance premiums.  They do this by making that portion of the compensation tax-free to the employer.  Similarly, the employee is not taxed on that portion of the compensation.  (Editor’s note: In order to ensure accountability, the government tax breaks are now only available on employer contributions; if an employee wants to fund her own policy, she must use after-tax dollars, which eliminates the tax advantages). 

 
Compliance Requirements 
 
There are two ways to legally handle health insurance premiums:
  • Option 1: The household employer can choose to be the billing party for the policy – paying the premiums directly to the health insurance company on behalf of their employee.  Note that the policy is still in the employee’s name, and all claim information, verification, additional payments, etc. are managed by the employee.
            
  • Option 2: The household employer can choose to provide dollars for premiums directly to their employee – making the employee responsible for paying the health insurance premiums using the tax-free dollars provided.  With this method, the employer is required to keep a copy of the health insurance card on-file as proof that a current policy is in place.
Maximizing Tax Breaks

 
Offering and administering health insurance correctly provides tax breaks to both the employer and the employee.  The general rule of thumb is that the employee savings will be about 20% of the amount of the health insurance contributions.  For the family, the savings will be about 10% of the amount of the health insurance contributions.
 

How the Tax Math Works

 

To illustrate the savings, here’s a real-world example featuring two families with identical budgets:

The Moneywaster family knew that their nanny was interested in obtaining a health insurance policy when they hired her.  However, they weren’t sure how to best assist her with this request (since they are employees – not employers - at their place of work, they don’t have experience dealing with these kinds of HR issues).   With their busy schedules, they decided to just let their nanny obtain and pay for a policy on her own.  The Moneywaster family offered their nanny $2,500 per month in salary.  The nanny purchased a health insurance policy with after-tax dollars at an expense of $300 per month.
 
The Moneysaver family also knew that their nanny was interested in obtaining a health insurance policy when they hired her.  After getting a tax tip from their placement agency, they called a broker to setup a health insurance policy for their nanny.  Just like the Moneywaster family, they offered their nanny a total compensation package of $2,500 per month.  However, the monthly package included $2,200 in taxable compensation and $300 for health insurance premiums.
 
The Moneysaver family’s employer taxes are about $360 less per year than the other family.  Additionally, their nanny’s take-home pay (after taxes and health insurance premiums) is about $720 more per year than the nanny who works for theMoneywasters.  

As you can see, the tax breaks associated with health insurance create a powerful financial tool which can enable your candidates to get critical coverage without wrecking your clients’ budgets.  Additionally, offering this little-known tax tip is a simple way for your agency to add value to the placement process – since almost every nanny wants to be insured and almost every family wants to be a Moneysaver.

 

  
 

For more information about household employment tax and labor law,
please visit us at 
www.breedlove-online.com or call us at 888-BREEDLOVE (273-3356).
We’re here to help our agency partners provide their candidates and clients with information, tools and resources that improve the employment relationship, eliminate legal risks for all parties, and generally increase the professionalism of the industry.

   
 

Five Fun & Free Kid Friendly Activities July 10, 2008

Five Fun & Free Kid Friendly Activities

San Diego is filled with many activities for children, from theme parks to museums, to our beautiful 70-mile stretch of magnificent beaches.   In fact, San Diego is one of the most “kid friendly” cities in the United States.   With our picture perfect weather, there is always something fun to do outside and many things to do year round that costs very little, if nothing at all. 

 

Here are Seaside Nannies top 5 picks for things to do with children that are free in San Diego!

1.) Experience the Beach!! While Exploring Sea Life In Its Own Habitat!

     Going to the Beach anywhere in San Diego is great fun with children, but

     discovering our tide pools is one sure way to have an educational, hands-on

     experience!   Check out our beautiful Tide Pools!

     http://www.hribar.com/san-diego-tide-pools.html

 

2.) Go For a Hike!

     Get some fresh air and hike Torrey Pines State Reserve!!  Torrey Pines offers 

     one of the most beautiful breath taking views of San Diego’s coastline and   

     children love to physically explore the natural surroundings of the  

     environment.

    http://www.torreypines.org

 

3.) Free Concerts at Seaport Village!

Included with free live music, Seaport Village offers a variety of fun things to do on our embarcadero, including fun shopping, fantastic ice cream, watching our beautiful naval ships and helicopters come and go from Naval Air Station North Island, and a lot of room to run around and play! 

http://www.seaportvillage.com

 

4.) Love Animals?

     Give some of our homeless friends some love and affection by visiting them at  

     the Gains Street Humane Society!

     http://www.sdhumane.org/site/PageServer?pagename=home_page

 

5.) Balboa Park Carousel

After Visiting the Famous San Diego Zoo, enjoy Balboa Park and enjoy the Balboa Park Carousel just inside Zoo Place!!  Built in 1910, he beauty of the carousel is just enough to look at it, but to actually ride it is fantastic!!

 

Dara B. Green

President, Seaside Nannies Inc.

Ph: 619.384.5505

Fax: 858.274.2540

Email: info@seasidenannies.com

www.seasidenannies.com

www.seasidenannies.blogspot.com

 

 

San Diego Nanny!! July 9, 2008

Are you an Awesome Nanny?

Do you want a nanny agency to represent you in the most professional way possible?

Do you expect the agency to be honest and forthright about a family that you are about to go and meet?

Do you demand a family be a perfect fit so that you are not connected with families that do not reflect your needs?

If you have said yes to any of these questions, send your CHILD CARE RELATED RESUME!!

info@seasidenannies.com

or fax it to 858.274.2540

We most likely have an awesome family waiting for you!!

CHECK OUT OUR POSITIONS ONLINE!!

www.seasidenannies.com

AVAILABLE POSITIONS!