Lots of Questions! Sick days/insurance! Need some opinions

[michellesmunchkins]

I don't charge for my sick days. I have not taken one in over 2 years! I do charge if their child is sick because I just can't budget for things like that. I do not charge for my one week vacation and give the parents one week without fees...so total of 2 weeks off without fees being due. Any other time they take off full fees are due. I don't have any personal days in my policies either. I would love to add in sick/personal days but where I am there are daycares in every other house who charge significantly less than I do so I have to stay competitive somehow. I have insurance through State Farm for my daycare.