Quote Originally Posted by treeholm View Post
Thanks Michelle! I guess the other issue is how to handle employees if one is not permitted to operate under a business name... I can't believe this is so confusing, and I have an MBA for goodness' sake!
Are you planning on having employees? This concept in home childcare has always eluded me cause unless you are taking a 'mat leave' and just wanting to hire someone to cover so you do not loose clients it baffles me how people can budget to pay and employee and stay within the 5 child limit ~ cause at the end of the year after 'normal' expenses I barely make minimum wage for myself if I had to PAY someone at least minimum wage out of what was left I would be volunteering to do this?

Employees could make your insurance premium a whole other ball of wax though because than you are needing 'additional' coverage for employee wage replacement and so forth if injured on the job verses just client liability.