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If the idea of someone else calling the shots with your child's routine turns you off, you may not like this form of care for your child. On the other hand, some parents like the idea of the daycare center doing the "dirty work" and appreciate someone else getting their toddler to give up his comfies. If your work hours are longer than the standard hours of operation for the daycare center, you will need to arrange for drop off and/or pickup by either a family member or another childcare provider. Nanny Care One-on-one care for your child. This is especially desirable in the infant years. Babies are held more often, comforted when crying. Your child is cared for in a familiar and comfortable environment, your home. More convenient for parents. Parents do not have to dress and pack up kids to transport them to outside care. Less illness. Children do not catch every illness that is going around. Parents are not required to find sick care for their child or to take as much time off to care for a sick child.
– Tim de Lisle, Writer and Journalist
Credit monitoring catches them after the fact and can sometimes remedy the situation quickly. Is freezing your credit right for you? If so, how do you go about freezing your credit? Here's what you need to know. Pros and Cons of a Credit Freeze Like every financial decision you'll make, freezing your credit has pros and cons. Pros Nearly always stops identity thieves from taking out credit in your name; Remains in effect until you decide to "thaw" your credit; Provides more protection and usually costs less than a credit monitoring service; Doesn't affect your credit score; Usually free if you've been a victim of identity theft. Cons It can be expensive to place a freeze and to lift it again. Some states have mandated that freezes be free, and others have set maximum fees for freezes. For most people, establishing a freeze will cost $10 at each of the credit reporting agencies. As a result, a security freeze could cost you $30 because freezing just one of your reports is minimal protection against identity theft.