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Have you considered foster adopting? This is the route we took for several reasons, including financial. The out-of-pocket expenses are generally minimal, if there are any at all. We have a wonderful four year-old son who was placed with us when he was nine months, and then adopted at two and one-half years old.
There's a unique set of issues that goes along with foster adopting, and it's not for everyone, but take a look at it.
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Oo-de-lally, golly what a day!
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