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Kevin, that's a good point. However, keep in mind that EVERYTHING you pay for toward the adoption is included in the total expenses toward the employer reimbursement and tax credit. Airplane tickets, hotel stay, food while in China. And other expenses that are not considered money given to the adoption agency....notary expenses, fingerprints, background clearances.
When you add everything up, it can be close to a total of 25-30,000. Even with a great employment plan, most people would still qualify for all of the tax credits. Just keep all receipts for adoption preparation and expenses while in China.
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Karen
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11/25/04 Decision to adopt our first daughter
03/14/05 LID for our first daughter
01/29/06 Referral for our first daughter
(total time from LID to referral-10.5 months)
03/20/06 Our first daughter in our arms
12/12/06 Decision to adopt again
04/14/07 LID for our second daughter
04/14/08 ONE year waiting
09/1/08 Re-submitted paperwork before it expired
04/14/09 TWO years waiting
04/27/09 Out of review room 
06/14/09 Fingerprinted again, before they expired
Still waiting...
How long is forever? -381 LIDs till our referral- That's how long forever is!
We've been waiting 31 months since our Log-In-Date with China
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