During this unprecedented time, many childcare facilities are unsure about the future. This series of blogs covers ways to help our audience navigate this confusing time. Below you’ll find tips for any childcare facility who might be having a hard time paying rent during this time.
When you experience a hardship that affects your ability to pay rent on time, proactively contacting your landlord to find a solution is usually your best choice. If you are a conscientious and honest tenant who is temporarily short on funds, most landlords won’t evict you for paying rent a little late as it is expensive to pursue an eviction, and in the current economic environment, landlords may worry about their ability to find another lessor. Therefore, both you and your landlord have an incentive to find a feasible way to keep you in your current space. To avoid problems, follow this advice:
Try to negotiate reduced or delayed payment
Be upfront with your landlord about your situation. It is difficult and expensive for a landlord to evict you and if they consider you a good tenant, they won’t want to lose you. Some basic steps to take when asking for reduced or delayed payment:
- Update your budget so that you know when, or under what circumstances, you’ll be able to restart paying rent.
- Send a letter or email as soon as possible asking for the time you believe you will need.
- Explain your situation and difficulties. Let them know it is a temporary issue.
- Provide proof of hardship if possible.
- If you have the means, offer to pay a portion of the rent on time. Often, landlords have expenses that have to be paid like property taxes or mortgages, so try to help the landlord cover those expenses, while reducing your total expenditure at the same time.
- Give the landlord a date you can pay the full rent, if you have one, and make sure you keep your promise to pay.
- If your landlord has a late fee policy, be prepared to pay. You can ask to forgo the late fee if you feel they will be responsive.
Do not send a check you know will bounce
No one likes getting a bounced check. Upsetting your landlord is not the only consequence of a bad check. A bank may charge the landlord a fee for a returned check which they will in turn charge you, most likely adding a few dollars for their troubles. You may also be charged a fee for a returned check. Sending a bad check is like not paying rent at all.
The problem won’t go away, so don’t ignore it
Like so many other things, honesty is the best policy. If you think your landlord won’t notice you didn’t pay, you would be wrong. Your landlord depends on your rent to cover their own expenses. A landlord will be more forgiving and willing to negotiate if you are upfront and honest with them.
Keep in mind that your landlord is under no obligation to work with you on delinquent rent, unless state guidelines in your area have changed during this time. In states that have temporarily halted evictions, there are stipulations that rent still must be paid in full at the end of a certain period, so make sure you read up and know what to expect. If you don’t pay rent on time and in full, your landlord has the right to start legal action to evict you and collect the money.
During this unprecedented time, many childcare facilities are unsure about the future. This series of blogs covers ways to help our audience navigate this confusing time. As childcare centers navigate the events occurring in response to COVID-19, the Small Business Administration (SBA) has multiple programs available to help.
Economic Injury Disaster Loan (EIDL)
In order to qualify for an EIDL, your school must be in an area covered by a disaster declaration. You can determine if you are in an area covered by a disaster declaration by visiting this site: https://disasterloan.sba.gov/ela/Declarations/Index
If you are in a disaster area, then you will need to apply for an EIDL. You can submit the application here: https://covid19relief.sba.gov/#/. This is an online, step-by-step application.
To be prepared, have these items on hand:
- Your most recent tax return
- Business formation documents (such as your LLC agreement or articles of incorporation)
Note that the website underwent a major overhaul recently and many users have reported slowness, so be patient. Expect to hear back from the SBA in about 3 weeks. If your application is approved, then you will work with the SBA to determine the amount of a loan for which you qualify, up to $2 million, and the terms of repayment.
Advance on an Economic Injury Disaster Loan (EIDL)
After you have completed the EIDL application (https://covid19relief.sba.gov/#/) you will also qualify for a $10,000 advance, issued before your application is reviewed, and possibly forgivable at a later date.
You must submit the current application on the EIDL site to qualify for the advance. If you submitted the older application, you must re-submit an application using the new format to qualify for the advance. You can determine if you submitted the old application by looking at the PDF copy, in the top right corner of the first page for “OMB No.: 3245-0017” which is the form ID for the old application. If you are not interested in the advance, and you submitted the old application, then you don’t need to submit the new application.
Payroll Protection Act Loan (PPAL)
As part of the CARES Act, the government has authorized businesses to borrow 250% of their average monthly payroll up to $10 million. Specifically, you will qualify for 250% of the average monthly payroll expense, including employer paid taxes and employer paid benefits, but excluding any compensation to an employee in a payroll period that exceeds $100,000 on an annualized basis.
Unlike EIDL, the PPAL program will be administered by private banks rather than the SBA. Private banks that are current “SBA 7a” lenders will most likely participate, and other banks may participate as well. All banks are currently waiting on the SBA to publish final rules and guidelines for the program. The SBA has indicated that those rules will be published in the next 1-2 weeks. After the rules are published, banks will open applications.
Based on reading the law, you can be prepared by having records for your total payroll by employee for the past 12 months as well as the past 12 months mortgage, rent and debt payments. You will also want to keep records of all payroll payments, by employee, starting now through June 30 to qualify for loan forgiveness. The specific terms of the loan will be finalized with the lender. We will publish an updated blog post when the SBA publishes its guidelines with more actionable information.
Find Local Assistance
In addition to the information above, the SBA has a tool to find business counsels in your area. Visit: https://www.sba.gov/local-assistance/find/
During this unprecedented time, many childcare facilities are unsure about the future. Over the coming weeks, we will publish a series of blogs to help navigate through this confusing time. Our first blog is a list of resources that childcare providers or parents can use to add new activities in the classroom or for virtual learning.
Now more than ever we want to keep our children actively engaged in positive activities. Let’s help them experience the beauty, the fun and learn new things about our world. Whether at school or stay-at-home – let’s explore!
Tours & Museums
Games & Activities
- BusyToddler.com – Indoor Activities for busy toddlers
- Switchzoo.com – Play games and learn all about animals
- Play with favorite show characters from PBS and learn too
- Allkidsnetwork.com – Crafts, activities, mazes, dot to dot, etc.
- Highlights – Fun games, recipes, crafts, activities
- Dogonalogbooks.com – Printable board games, activities and more for phonics and reading all using evidence-based methods. Can be customized to any student’s needs including creating flashcards for other subjects.
- nomsterchef.com – Illustrated recipes designed to help kids age 2-12 cook with their grown-ups. Recipes encourage culinary skills, literacy, math, and science.
- kiwico.com – Quick & easy at home projects curated for kids 2 and up
- turlediary.com – PreK – 5 games for all subjects
- thecolor.com – Online digital coloring pages
- jigsawexplorer.com – Online photograph jigsaw puzzles You can set the pieces from 6-1000+
- preschoolinspirations.com – Toddler and preschool age ideas
- fonology.com – Crafts, projects, science, recipes for young children
- crazygames.com – Tons of games, some for learning and some just fun
- funbrain.com – Miscellaneous games for all subjects k-8
- Illinois.edu – Guide to gardening for kids
- preschoolexpress.com – Crafts, activities, bulletin board designs, and finger plays for early education teachers and parents to use with kids.
- Mathscore.com – Math practice from counting to algebra and geometry
- Boddlelearning.com – Elem Math through 6th grade
- Canfigureit.com – Geometry
- Bedtimemath.org – Math as a fun part of your daily family routine
- Dreambox.com – K-8 online math program that looks at how a student is solving problems to adjust accordingly and build a unique learning path for them.
- Deltamath.com – A wide range of math content from middle school through AP Calculus.
- Colorado.edu – Science and math labs and simulations
- Positivephysics.org – An online physics problem and video bank designed for conceptual, standard, honors or AP1 physics.
- YouTube Higher level math series – online video series with detailed solutions to more than a thousand publicly-released College Board SAT Math, Subject Test Math Level 1, and Subject Test Math Level 2 problems.
- Mathcelebrity.com – Enter your math problem or search term, press the button, and they show you the step-by-step work and answer instantly. 2nd grade through college.
- MathPlayground.com – Elem Math games, logic puzzles and educational resources
- Hmhco.com – Math Videos with lessons, real life uses of math, famous actors
- Ngpf.org – Scads of free resources, games, learning resources, and lesson plans for teaching personal finance
- Xtramath.org – Math practice
- Scootpad.com – Adaptive curriculum in Math and ELA for Grades K-8
- Aplusclick.org – Math and logic problems for ages 5 and up to adult
- Dragonboxapp.com – Algebra games for kids
- Mathchimp.com – Fractions practice
- Mangahigh.com – allows students to play basic games to reinforce math skills and compete against the computer or others
- Gridblub.com – Math games
- Mathplayground.com – Math Games, Logic Puzzles and Brain Builders
- Numberphile.com – Short videos about numbers that help kids explore complex math topics and make math more fun.
- Teachbanzai.com – Banzai exposes students to real-world financial dilemmas to teach them the importance of smart money management.
- Backpacksciences.com – Hands on Elementary science videos
- Biologysumulations.com – Biology
- Mysteryscience.com – K-5th Science lessons
- Innerbody.com – explores the 11 bodily systems in depth. With interactive models and detailed explanations, this website will help them learn more about the internal mechanics of the amazing human body.
- Club SciKidz – Daily free science or cooking experiment to do at home.
- WeatherWizkids.com – From rainbows to tornadoes and winter storms to tsunamis, meteorologist Crystal Wicker breaks down the fascinating world of weather.
- National Geographic Young Explorers is a magazine designed specifically for kindergarten and first grade students. Children can listen to the magazine being read to them as they follow along with the highlighted text.
- Earthquake.usgs.gov – Learn all about earthquakes
- Chemicool – Learn all about the periodic table
- Alamanac.com – Farmer’s almanac for kids
- Steve Spanger Science – Tons of science experiments that you can do at home
- TYTO Online – Next Generation Science video game focused on middle school where students directly engage in science phenomena as they solve problems.
- Sciencespot.net – Science projects that can be completed with or without Internet access
- Everyday-earth.com – Interactive video earth science based curriculum supplement.
- Premeditatedleftovers.com – Amphibian unit studies
- The Homeschool Scientist – Engineering challenges with things you have at home
- NASA – Space science for kiddos
- Medium.com – Science podcasts to listen to with your kids
- Sepuplhs.org – Science simulations, scientist profiles, and other digital resources for middle school science and high school biology
- Elemental Science – 80+ do at home science activities
- The Happy Scientist – Explore, have fun, & learn some science along the way.
- Cellsalive.com – Learn all about cells
- Geoguessr.com – Tests kids’ geography skills. Using images from Google’s Street View, it plops players down in the middle of the street and asks them to figure out where they are.
- Human.biodigital.com – A human visualization platform that allows students to explore the human body in really cool ways.
- This NASA initiative covers a wide range of topics including weather, climate, atmosphere, water, energy, plants, and animals.
- Ask Dr. Universe is a science-education project from Washington State University. Kids can send Dr. Universe any question they may have about history, geography, plants, animals, technology, engineering, math, culture, and more.
Learning – All Topics
- Scholastic – Learn at Home
- Audible – currently free
- Funbrain.com – Math and Reading games
- ClickSchooling brings you daily recommendations by email for entertaining websites that help your kids learn.
- National Geographic – Geography and animals
- Abcya.com – Math and reading games
- Arcademics.com – Math and language games
- Bamboo.com – Voice based learning, learn through Alexa
- 123homeschool4me.com – 300,000+ FREE printable worksheets from toddlers to teens
- Breakoutedu.com – Educational games K-12
- Ck12.org – Science, Math, Social Studies
- Countryreports.org – 35,000 pages of online content on the cultures and countries of the world.
- Coursera – Tons of free classes from leading universities and companies
- Curriki– Digital learning content for preschool through high school
- Discoveryk12.com – Online homeschool platform & curriculum for Pre-K to 12th grade.
- Izzit.org – Entertaining & educational videos for all levels and subjects
- Khan Academy – Online education program for toddler through high chool.
- Teachers Pay Teachers – Free Printables for PreK-2nd Grade
- Littlesparkcompany.com – Free printables library with activities for children 0-6
- Fluency and Fitness – Educational brain breaks to help students review essential literacy and math skills, while getting in some exercise. Ages 4-8.
- Fiveable.me – Resources for AP students including live reviews, live trivia, and study guides!
- Hippocampus.org – 7,000 free videos in 13 subject areas
- Carmen Sandiego – Carmen Sandiego videos, stories, and lessons for all subject areas
- Marcolearning.com – Resources for AP students
- Superchargedschool.com -Daily lessons and educational activities that kids can do on their own
- Allinonehighschool.com – Every course you could possibly want to homeschool for high school
- PBS – PreK-12 digital media service with more than 30,000 learning materials
- Pebblego.com – Curricular content hub specifically designed for K-3 students.
- Zearn.org – K-5 curriculum that builds deep understanding and a love of learning math for all students
- A Better Way to Homeschool – A quick start resource to help families pull together a plan for surviving the next 1-2 months at home with their kids, but it can also be a time of slowing down and enjoying kids as they learn. Preschool through 8th grade
- US Mint – Your child can play games, learn fun facts, and find out how to turn coin collecting into a hobby. https://supersimple.com/
- Kids Think Design explores careers in fashion design, graphic design, interior design, book design, product design, film and theatre, architecture, animation, and environmental design.
- Free Code Camp – 450 Ivy League courses that you can take
- Project Explorer – Free videos from around the world from grade 3-12
- Quizlet – For students to practice and master whatever they are learning.
- Red T Kids – Critical Thinking resources for K-6 students
- Wonderopolis.org – Short videos and readings that answer various burning questions for students. There are vocabulary challenges and comprehension questions.
- EdX – 2,500+ online courses from top institutions
- Youngzine – News and more for kids
- Google Earth – All sorts of learning here if you dig in
- Super Simple – Resource section includes free flashcards, coloring pages, worksheets, and other resources for children, teachers, and parents.
- Overcomingobstacles.org – Life skills curriculum for students in grades K-12. Their resources include strategies for teaching social and emotional skills.
- Alcumus is specifically designed to provide high-performing students with a challenging curriculum appropriate to their abilities
- Mobymax.com – Find and fix learning gaps
- Ducksters – Education for kids all topics
- Magic Tree House – Interactive games based on the book series
- Cool Kid Facts gives your child access to educational videos, pictures, quizzes, downloadable worksheets, and infographics. They can use these to learn about geography, history, science, animals, and even the human body.
- US Gov – This interactive website, hosted by the U.S. Government Publishing Office, allows your child to see the ins and outs of the U.S. government by taking a series of learning adventures with none other than Benjamin Franklin.
- Brainscape offers over a million flashcard decks for every subject, entrance exam, and certification imaginable.
Spelling, Writing & Reading
- Magic Spell is a carefully crafted spelling adventure.
- Noredink.com -Online curriculum that builds better writers.
- Novel Effect makes storytime a little more fun for kids (and grown-ups too!) As you read out loud from print books (or ebooks!) music, sound effects, and character voices play at just the right moment, adjusting and responding to your voice.
- Paragraphpunch.com – Teaches students how to write a paragraph through interactive online tutorial
- ReadWorks is an online resource of reading passages and lesson plans for students of all levels K-12.
- Goodandbeautiful.com – Course sets (Levels 1–5) that combine and thoroughly cover phonics, reading, writing, spelling, literature, grammar, punctuation, art, and geography—all in one easy-to-use, beautiful course.
- The Shurley English program for grades K-8 provides a clear, logical, and concrete approach to language arts.
- Spellingcity is free right now with code VSCFree90
- Spelling Training – 1-4 grade
- Readingeggs.com – Phonics and learning to read
- Funfonix.com – Phonics worksheets for kids
- Freechildrenstories.com – Free stories online ages 3-12
- The Story Starter – Randomly generates 356,300,262,144 story starters
- Grammaropolis – Work on the 8 parts of speech
- Bighistoryproject.com – Online history classes for all ages preteen through adults
- Bunkhistory.org – Digital archive of history
- NGAkids interactives offer an entertaining and informative introduction to art and art history.
- Mission-us.org – An interactive way to learn history
- Whatwasthere.com – Allows students to type in any city, state, or country to view an archive of historical photographs and other documents. It’s a unique way to help them learn about history.
- Bbc.co.uk – Games, quizzes and fact sheets take kids on a journey through time.
- Little Twisters Yoga – Free at-home kids yoga lesson plans
- Gonoodle.com – Movement and mindfulness videos created by child development experts.
- Sworkit.com – choose from Strength for Kids, Agility for Kids, Flexibility and Balance for Kids, Warm-Up for Kids, Cooldown for Kids, Stand Up and Move for Kids, OR create your own custom kid workout.
- Music Lab – Music is for everyone
- Thewell.world –Poetry and music
- Musictheory.net – intermediate music theory lessons, exercises, ear trainers, and calculators.
- Prodigies is a colorful music curriculum for kids 1-12 that will teach your kids how to play their first instrument, how to sing in tune & how to understand the language of music! 21 for free
- QuaverMusic is offering free access to general music activities to all impacted schools, including free student access at-home
- Smart Music – Music practice transformed
- Sight Reading Factory – Sight reading and sight singing practice exercises.
- Virtual Musical Instruments – Lets kids play instruments online. Instruments include the guitar, piano, pan flute, drums, and bongos.
- Songs for Teaching – A large selection of fun songs to help teach preschool and kindergarten students
- The Theta Music Trainer offers a series of online courses and games for ear training and music theory.
Coding & Computer Science
- Instructables – 3D printing projects and Coding projects, involving math and other K-12 subjects
- Nitrotype – Improve your typing skills while competing in fast-paced races with up to 5 typers from around the world.
- Typing Club – Keyboarding practice
- Codecademy – Learn to code
- Scratch draws students of all types into coding and lays a foundation for future learning.
- Code.org – Coding with Star Wars
- Kodable – Coding for ages 4-10