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[quote=lisa in venice]We had several cards with very low interest rates, one from our credit union and one from USAA (organization for military people and their dependents) So the interest was not bad. Also with MIranda whose adoption cost 2x what Sam's did we had the per child tax credit which went a long way to paying off interest and the following year we got the adoption tax credit which paid off the balance.
Thanks for the info. I keep forgetting about the adoption tax credit I will get with my son this year.
Why adoptions from fostercare take so long is usually becasue of the lack of funding to the agtencies that provide those services. Sometimes the SW are so over loaded that they just don't have time to process your information. Then there are states that still have reunification at all costs biases. IN those states or even in counties within those states you will often find kids in fostercare for years before they are freed for adoption. In other states like CA, NY,NJ,IL you rarely find young children available for adoptions because they were placed in fosteradopt at a very youn g age and adopted by their foster family. Nearly 60,000 chidlren every eyar find homes that way and the number is growing as it builds on itself. States get a bounty for every child placed for adoption so not only does it cost them less to maintain the child but they get a bonus for placing them. When you do this enough suddenly your state agency has more funds to lower SW case loads and recruit more famlies which in turn means more kids placed from fostercare and more funds to improve the system. It is sad to say but far too many state run agencies have not figured this out.
Wow! I didn't know this about the fost/adopt program. I adopted my son through that progrm in CA. He came home at 5 days old.
Thanks again,
Yash
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