Not only am I glad i found this site because it is so nice to have others to share my issues with but also because I have learned alot, or alot has opened my eyes. although i live in another country and our practices can sometimes differ. (we do not really do deposits) we just expect parents to always be pd ahead one week or two. (if parent doesnt pay we can terminate care until pd in full) BUT, I plan to change my contracts to state they are required to pay ahead every week or two weeks (as they do) but also require a last two week pay. of which, I will put into a sep. acct. I have always had trouble if I have had someone cancel care at last minute or have to terminate and lose that income. SO....first of all, THANKS to all you canadian bussiness women for your smarts!! and second of all, although I havent done it yet...I would say, save the money in separate account for the what if's.