[House] San Francisco Parents of Multiples SFPOM General Discussion forum digest - 1/20/2016

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San Francisco Parents of Multiples SFPOM General Discussion 1/19/2016
10:15 am - 1/20/2016

1. Good place to try double strollers? (szuckert)
2. Comment: Going rate for FT Nanny (jessicafsf)

1. Good place to try double strollers?
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szuckert - 1/19/2016 10:27 am

 Hello moms!I am expecting twins in February and would
 like to try out some double strollers before buying one
 sight-unseen. Does anyone have a recommendation for a
 store that has a few double stroller options I can try
 out in-person?Now that CitiKids and Lullaby Lane have
 gone out of business, I'm not sure which brick & mortar
 stores have a good selection. Sincerely,Susan Z.

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strollers?"

Email author: szuckert at mac.com
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Topic: Going rate for FT Nanny

 Hi,
 We have identical twin boys coming any day now, and we're
 starting to get our...

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With subject line: "Ref#95834092 - Going rate for FT Nanny"

 2. jessicafsf says...
 --------------------------------------------------------
 1/19/2016 10:17 am
 
 Hi Shannon! Rates for nannies are all over the place.
 It depends partly on their experience, their
 communication abilities (do they speak English well?),
 whether they drive or not, etc., and then it depends
 partly on just the person. Some nannies ask for a LOT,
 regardless of experience, and some don't. In general,
 you will pay more if you're paying above the table
 (meaning you withhold and pay taxes). Because the nanny
 is also paying taxes, their take home is less, so they
 will generally ask for more. I've also found that the
 majority of nannies (although certainly not all) prefer
 under the table (no taxes withheld, no income reported)
 so if you want to do it over the table, your pool of
 potential candidates may be smaller. Very broadly, I'd
 say the rate for a nanny for two kids ranges from
 $20-$30/hour. Again, more experience, better English
 skills, driving, and paying over the table will all
 drive up the cost. As far as whether to pay over or
 under the table, that's really a personal choice for
 you and the nanny. The bottom line is that it's illegal
 not to pay taxes and report their income. You are
 facilitating their dodging income taxes, and you are
 failing to pay employer taxes. If it's found out, you
 would owe penalties and back taxes. But I've never
 actually met someone who was found out. It happens, I
 know, but I think it's pretty rare. The nanny could
 turn you in, but then she'd have to also pay penalties
 and back taxes, so it's not in either of your best
 interests to report the income after the fact.If you
 pay above the table, the nanny will be eligible for
 unemployment, social security, etc. (That's an
 advantage for her, though, not for you.)The advantages
 to paying under the table is savings (and streamlining
 the process - taxes can be complicated!) You can pay
 the nanny less, and you don't have to pay employer
 taxes. If your company offers an FSA for childcare, you
 can pay some of the nanny's salary with pre tax
 dollars. The federal max is $5,000, which is a joke
 when you're talking about a full time nanny (and the
 rate has not been increased in 30 years! It makes me
 so mad) but it does go a ways toward offset the extra
 cost of paying above the table. (But only for you, not
 for the nanny.)If you have strong feelings about paying
 above the table, you should make it clear when
 interviewing, because some nannies won't be interested
 (either don't want to pay taxes, or may not be legally
 allowed to work).Good luck! With the babies, with
 finding a nanny... with the next few months!
 Email author: jessica at burrows.net
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