希望东部的同志们一切都好！

今天我丢人丢大发了，555555555555，上来求安慰。我们单位结婚，怀孕啥之类的都要自己在staff meeting 做个announcement，我今天是硬着头发上，告诉大家我们要有老二了，结果就还没讲，就开始哭得稀里哗啦，然后是泣不成声

 矮油, 你们连这么小的照片都看的见啊?? 呵呵...明明照片要表达的是母子很搭的意思, 怎么都歪了..

嫩说的这种应该是whole life的某种类型,whole life的水很深,俺没怎么细究. 俺觉得term最好的一点就是等于用相对少的金额买一个彻底安心. 比如600/yr 1米的coverage, 20年后没有任何意外,损失的就是12k, 再factor in inflation, 这笔投入的present value大概只有10k不到, 相当于1万块买一个100万赔偿的放心. 但whole life的投入要高很多, 也不清楚return到底是怎样的(有fixed or variable), 还要比较如果用这笔钱自己投资, return会不会更高. 关于ROP, 30年后如果只return face value, 那现在的每年交的pricipal将来恐怕只值1/2,要考虑的因素太多了. 推荐嫩看下面的文章可以了解一些大概的区别.

http://www.smartmoney.com/plan/insurance/term-or-whole-life-8011/

living trust应该能解决这个问题,大厅好象有讨论过.大概是说可以规定每年只能拿出多少钱到孩子成年,用途也要specify,然后大笔开销得有收据support(学费,boarding school之类的).主要是为了孩子父母都不在的情况,以防孩子监护人挪用.我觉得只有一方不在了,应该还不至于对亲骨肉太差吧

Q妈嫩可以考虑下午午睡后再去参观,老师一般下午比较疲惫,孩子也是,更能看出老师的素质.然后观察看看小朋友是不是开心,是不是都干干净净,硬件差不多就可以了.问家长太有用了,明年选daycare,俺一定要找机会问问.下午去参观,应该也更容易碰上家长来接.

Questions to ask when you visit the center 参观问题

Enrollment and placement 报名安置

1. What is the ratio of children to providers? 孩子与阿姨的比例？

2. How many children are currently enrolled at the center? 现在幼儿园里有多少个孩子？

3. How many children are enrolled full-time? 多少个孩子全天托管在这儿？

4. How many are enrolled part-time? 多少个孩子只上半天？

5. How does the center group the children? (By age? Stage of development? Some other approach?) 小孩子是怎么分班分组的？按照年龄/发育情况/还是别的？

6. How would you decide where to place my child? 向我的小孩子这么大会分到哪个组啊？

7. How many children will be in my child’s group? 我的小孩子在的组有多少个孩子？

8. How many different teachers would my child be with during the course of a day?

9. What are your fees by half day/day/week/month and what do they include? 收费标准与规则，按周/月/天/半天？

10. Whether there are extra charges for diapers, food, or field trips; whether parents pay for care when a child is sick or on vacation？ 是否有尿布，食物等的额外费用，小孩子不上幼儿园时也要收费吗？

11. Do you have an opening in June? 六月份有空位子吗？

If yes, can you reserve a seat for Jeffrey? 如果有，能替我的小孩子预定一个位子吗？

If not, can you put Jeffrey on the waiting list? 如果没有，可不可以把小孩子放到waiting list上？

Staff experience and training: 幼师

1. What are the qualifications of the teachers you have on staff? （幼儿园老师的背景/ 教育程度）

2. How long does the average teacher stay at the center? （平均每个老师都在幼儿园任教多长时间？）

3. How many teachers are new this year? （今年有多少个新老师？）

4. How many teachers have been at the center for more than five years? 有多少个任教五年以上的老师？

5. Do the teachers have ongoing training in child development and early childhood education? What kind of training do they have? 老师们都经常参加培训吗？培训内容？

Fees, hours, policies, and relations with parents 收费，家长的关系

1. How do you communicate with parents? 与家长怎么交流？

Daily conversations 日常对话

Notes at drop-off and pick-up times 接送孩子时的交流方法（比如当天行为的汇报notes)

parent/teacher conferences 家长会

2. Do you supply meals and snacks? 小孩子吃饭怎么解决？自己带还是幼儿园提供？

3. What is the policy about releasing children to parents and other adults? Is there a sign-in/sign-out sheet? What if I am late because of traffic, or have to work overtime? 接送孩子的要求是怎么样的？有没有签到签出的表格？如果因为加班堵车迟到了怎么办？

4. Can parents drop in any time? 家长可以在幼儿园的任何工作时间内接送孩子吗？

5. What days are you closed during the year? 幼儿园每年有多少天不营业？

6. Do you have a backup system for emergency closings? 如果有什么紧急情况需要暂时关闭幼儿园时有什么后备措施吗？

7. What happens if my child is sick? Can children come in if they have a cold? A fever? Diarrhea? 小孩子生病的时候怎么办？幼儿园接受感冒，发烧，拉肚子或其他病的小孩子吗？

8. Will you let me know if other children are sick? Who cares for a child who gets sick at school? 如果其他小孩子生病，幼儿园会通知所有家长吗？如果小孩子在幼儿园突然发病怎么办？

9. Can you give me the names of two or three parents to call for references? 能给两三个家长的电话让我们交流一下吗？