Tampilkan postingan dengan label Adoption and Finance. Tampilkan semua postingan
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Sabtu, 29 Januari 2011

Adoption Parents in Belgium unsatisfied with Adoption procedure

"Helft adoptieouders ontevreden over procedure"

De helft van de adoptieouders in ons land is ontevreden tot zeer ontevreden over de adoptieprocedure. Er zijn vooral klachten over de hoge kosten, de lange wachttijden, het maatschappelijk onderzoek en het gebrek aan nazorg eenmaal de adoptie een feit is. Dat blijkt uit een enquête door Test-Aankoop waaraan 419 ouders deelnamen die een ervaring met adoptie achter de rug hebben.

Tussen 10.000 en 20.000 euro
De kostprijs voor buitenlandse adopties varieert tussen 10.000 en 20.000 euro voor bemiddeling, vliegtuigtickets en verblijfkosten. Het volledige adoptieproces neemt al snel vier a vijf jaar in beslag. Daarnaast is ook het maatschappelijk onderzoek voor twee op drie kandidaten een grote bron van ergernis. Een andere klacht die door 58 procent wordt aangestipt is het gebrek aan nazorg. Na de optie zou er te weinig ondersteuning en psychologische begeleiding zijn.

Gezin stichten topreden
De meest genoemde motivatie voor een adoptie is het stichten van een gezin (78 procent), gevolgd door het geven van een goede thuis aan behoeftige kinderen (65 procent) en onvruchtbaarheid (68 procent). De keuze voor een bepaald herkomstland wordt meestal ingegeven door het vertrouwen in de adoptiediensten in dat land en de etniciteit van het kind. Geslacht en leeftijd zijn minder belangrijk, kandidaat-ouders hebben vooral verwachtingen over de mentale en fysieke gezondheid van het kind. Factoren zoals handicaps en psychische, lichamelijke en /of gedragsproblemen zijn voor de meeste kandidaten doorslaggevend voor de beslissing om een kind al dan niet te adopteren. (belga/svm)

28/01/11 18u20

Kamis, 30 Desember 2010

No money to adopt ? Dont worry the financial industry provides

Funding The Baby Adoption Process

A baby adoption is not an inexpensive process. Many hopeful parents discard the idea of a baby adoption early because they do not realize that there are both private and government resources that are available to help prospective adoptive parents, which will aid in the costs associated with travel, agency fees and additional spending.

There are several tax benefits associated with baby adoption, which include the Federal Adoption Tax Credit. This amount is a credit issued for adoptive families on qualified expenses related to a baby adoption. Allowable expenses, in this case, are subtracted from the current tax liability. In addition, a number of states offer a tax credit in addition to the previously mentioned federal tax credit. When it comes to taxes, adoptive parents are allowed to claim the same dependency exemption as for their biological children. This exemption provides a reduction in taxable income.

In addition to tax assistance, a number of employers participate in the Adoption Assistance Benefits Program. This program allows employers to reimburse a baby adoption with a cash benefit. If your employer does not participate in this program, you may request material to provide your employer in an effort to request adoption assistance by contacting the National Adoption Center.

Both federal employees and military personnel are eligible for baby adoption benefits, which vary from extended leaves and/or reimbursement of up to $2,000.00 after the baby adoption is finalized.

Employees of Harvard University are also eligible for baby adoption assistance directly from the Harvard Adoption Assistance Plan. Under this program, up to $5,000.00 may be granted for expenses relating to the adoption of a child with financial need not being a factor.

In addition to these options, there are grants specifically designed to help prospective parents with expenses relating to the adoption. These include A Child Waits Foundation, Hebrew Free Loan Association, Funds 4 Families, A Mothers Love Fundraising, Community Fundraisers, The National Adoption Foundation, Ours By Grace and United Way International.

As a final option in assistance with funding a baby adoption, individuals may consult with their local bank or credit union regarding loan programs for adoptive families. Others may choose to use their savings account or cash out the equity in their home to make an adoption happen. If you ask most adoptive parents, money is no object when it comes to the love of a child and the joy that he/she brings into the life of loving parents.

Funding The Baby Adoption Process

Sabtu, 25 Desember 2010

Loneniless and Money creates desire for Adoption ?

Adoption & the Economy: Adopting a Baby

After a long career and a very successful life that is filled with material things and fabulous trips to hard-to-pronounce destinations, many are finding that they are still not happy. This economic crisis that the world is facing has helped some people to step back and take stock of their lives. Watching investments vanish into thin air has caught many by surprise. Despite retaining a certain level of financial comfort, they are in a word…alone. For many, this newfound loneliness and lack of satisfaction will translate into the need to bring someone new into their lives. They will make, for the first time, make a shift in priorities that won’t focus so much on being a part of the “in” crowd or being the “it” person; instead, they will want to become something more…a parent. Sometimes it takes a hard life lesson to help people to realize that life is so much more precious when you have someone to share it with, and a child can make it seem even more wonderful and fulfilling. Many may have suppressed the desire to have a child and have reach a point, physically, of no return.

The biological clock has stopped ticking or the thought of actually becoming pregnant at an advanced age is not at all appealing or realistic for them. In this instance, adoption is the perfect option. As people learn that they have all of this love inside of them that they have harbored, the thought of adoption seems more like a real opportunity for them to finally have that missing piece of their life’s puzzle. I remember feeling so ready to be a mom that it hurt. I only wish I had started earlier and had adopted more children. There are so many children available for adoption due to different circumstances. For those that are seriously considering taking the steps to initiate and go through the adoption process, they should realize that it is not simply deciding but taking the proper steps to make the dream a reality. Like anything important in life, adoption is multifaceted, intricate, and for some, a long and arduous process.

If someone is serious about becoming a parent through adoption, they must be able to show they are prepared to become a parent and present their case as to their ability to love, care for, and raise a child. It’s about more than just about money. Children don’t care how much money you have. They are not easily impressed by your custom-made suits or couture handbag. Children that enter your life through adoption need love, commitment, and a parent that is willing to care for them unconditionally. If that is what you have to offer, then adoption may be right for you. This global recession is having a huge impact on people and their relationships. From single people looking for mates through matchmaking services to couples looking for a child to shower with love through adoption, the bottom line of it all is that life is about more than just money. Life is about companionship, sharing, caring, and knowing that you are more than just a commodity or talking head. We are all people, rich or poor, great or small. For some ideas on the many ways to afford adoption, visit www.AdoptionFinancingInformation.com. If this economic crisis has brought you to this life crossroad, then you should seriously consider how to make that next step and open that new chapter in your life. You know that the culmination of your life’s experiences means that you have a lot to offer. Adoption can allow you the chance to give of yourself to another person…a child. The happiness that adoption makes possible will far exceed the years of financial returns that have been the hallmark of your life. In fact, money can’t buy that type of happiness. That real, long term happiness can only be acquired through love, hope, and care…which is exactly what you could give and receive from your newly adopted child. For more information about adoption, visit www.LifetimeAdoption.com

About Author
Mardie Caldwell, C.O.A.P. is a speaker and award-winning author of four books, including AdoptingOnline.com Adoption: Your Step-by-Step Guide. Mardie is also the talk show host of Let’s Talk Adoption.com with Mardie Caldwell. For more information visit www.MardieCaldwell.com This article is prot

Short URL: http://www.wallstreetstocks.net/?p=58085

Rabu, 22 Desember 2010

Price tags for Adoption

Half-price adoptions: Should we tell our kids?

by Anti-Racist Parent columnist Dawn Friedman

When we decided to pursue a domestic adoption nearly five years ago, my husband and I – both of us white – decided that we were open to adopting transracially. We were naïve about this – we really didn’t understand the challenges for children adopted transracially – but when we started researching agencies we made note of their cross-cultural adoption programs.

We are in Columbus, OH and we wanted a local agency. We knew we didn’t want to adopt across state lines because things get iffy when you start mixing up adoption laws. (Every state has its own rules and regulations.) Also we were hoping for an open adoption and I knew it would be unlikely that we could have regular visits between our family and our child’s birth family if airfare became an issue.

We narrowed it down to three agencies in our city. (One other agency had religious requirements we would not meet being an interfaith Jewish/Christian family.) Only one called us back and that’s the agency we chose.

The three agencies we looked at all had separate programs with different costs that were dependent on characteristics of the child – namely children with “special needs” or of African descent cost less to adopt. White kids, kids of mixed race not including black – it’s the full fee to adopt them. Black kids and kids with special needs – about half. *

(I know this isn’t new to most of the people reading Anti-Racist Parent – is’s less expensive to adopt black babies in lots of states. My friend and anti-racist parent colleague, Deesha Philyaw, has done a lot of research about this and I’m sure she’ll share some of her thoughts.)

When we approached the agency we offered to pay the full fee and take whatever baby came our way. The social workers told us that we had to choose a program and that given that we were open to “any race,” we would be placed with a black child because there were fewer waiting parents in that program.

“You may as well get the fee break,” one told us. “Because if you are open to adopting a black baby, you will get a black baby.”

The uncomfortable truth was that the fee break made a difference to our budget. My job was sketchy at that time and having a wholesale adoption would make things easier. So we moved ahead and less than a year later our daughter came home to us.

We have a fully open adoption and regular contact with our daughter’s first mom. Early on we talked about the agency and I told her about the difference in fees; this was something she didn’t know when she began working with them. It’s there on the web site but she contacted them via phone and obviously they didn’t tell her that they would charge parents less for adopting her daughter. Would it have impacted her adoption decision? It sure might have and I think they should be upfront with expectant mothers who contact them.

By the same token, our daughter will know about the fee discrepancies. I have a friend who is also an adoptive mother in a transracial adoption and who also used an agency with a racist fee structure. She says, “My child will NEVER know that our adoption cost less because of his skin color!” Her argument? Knowing will cut to the core of his self-esteem – knowing that he was less valued in the adoption baby market might make him feel that he truly does have less value.

But I can’t lie to my daughter – even by omission – and the racist fee structure is part of her adoption story. I think the key is in how we talk about it and how we respond to her questions, which is not to say that we can make her feel ok about it. Of course we can’t because it’s not ok. She shouldn’t feel ok about it but I also hope we give her the strength and insight not to personalize this institutional racism.

Adoption is rife with –isms. As an adoptive parent, the paradox is recognizing my complicity while still acknowledging my terrific gratitude for having Madison in our lives. There is so much I would have done differently but had I done it differently, Madison wouldn’t be here. I struggle with knowing how to respond now that my feelings about the choices we made have changed. And this includes using an agency with a racist fee structure. But I can’t let my discomfort with my actions keep my kid in the dark about her story. Someday she will know. Someday when we’re going through her box of memories, which includes our adoption paperwork, we will tell her the truth. It is her right. It is her story.

* Our agency moved to a sliding scale after we adopted, basing fees on the income of parents. But they switched back – I’m unsure why. I only know that one social worker told me, “It didn’t work out this way.”

Dawn Friedman is a writer and mother to two children. Her articles have appeared in Salon.com, Yoga Journal, Brain Child and the Greater Good and she is the op-ed editor at Literary Mama. She is also the founder of OpenAdoptionSupport.com and since the adoption of her daughter in 2004 has become passionate about the need for adoption reform. She blogs at this woman’s work.

Read also: How much did I cost ?

Minggu, 19 Desember 2010

Adoption gets more Expensive, Prices for African Countries goes up ?

Adoptie duurder geworden?

Gepost door: BG

Datum: 19 december 2010 10:40

De laatste 3 jaar zijn de bureaukosten veelal omhoog gegaan en voor China weet ik dat de gift aan het kindertehuis omhoog is gegaan. Voor China waren wij, met z'n vijfen gereisd, ongeveer 20000 euro kwijt. Onze 2 adopties daarvoor, 2000 en 2003 waren inderdaad wel minder duur. Met de "gift" aan het kindertehuis blijf ik moeite houden omdat het misstanden kan veroorzaken. De andere bedragen incl . De bureaukosten zijn mi reëel. Wij hebben onze adopties bekostigd door beiden bijna ft te (blijven) werken, door zuinig te zijn en we hebben niet snel achter elkaar geadopteerd dus konden sparen. Goedkoop of niet op vakantie, redelijk veel werken, oude auto, Ikea-inrichting die enorm gedateerd is, niet veel geld aan jezelf besteden, hardlopen ipv sportschool, mazzel dat de kinderen turnen erg leuk vinden=goedkope sport, geen flatscreen tv of veel andere hebbedingen, uitstel schilderen huis/ trap etc.etc. Het is grotendeels de tijd nemen, geld verdienen en prioriteiten stellen mi.

Gepost door: Anoniem ()
Datum: 19 december 2010 12:05

Hoe het een aantal jaar geleden was, dat weet ik niet. Wij zijn nu 3 jaar in het adoptieproces bezig en verwachten nu bijna ons voorstel. Bij de orientatie op de landen bemerkten wij per VH en per land enorme verschillen qua kosten, maar inderdaad onder de 10.000 kom je bijna niet meer. Wanneer ik terug keek kwamen vooral de Afrikaanse landen er duur uit. Waarbij je bedragen van rond de 25.000 tot 35.000 moet denken. Volgens mij was Polen 1 van de goedkoopste landen.

Wij weten ook dat we dit maar 1x kunnen ophoesten, dus we kunnen maar 1x de procedure doen, terwijl we dolgraag een tweede procedure in zouden willen gaan tegen de tijd. Maar je moet prioriteiten nemen. Om onze kosten te kunnen betalen hebben we in de overwaarde van ons huis (gekocht in gulden nu in euro waard) een tweede hypotheek kunnen nemen en we zijn daar dankbaar voor dat we dit konden doen om zo onze droom te laten uit komen. En verder inderdaad zuinig zijn en ieder dubbeltje omdraaien, zoals in een oude auto rijden, oudere meubels, bijna nooit uit eten en goed nadenken wat je aanschaft wat duur is.

Dus ik raad jullie aan goed te kijken en een keuze te maken. Maar het is ook belangrijk om na je adoptie niet op droog brood te zitten. Want dan heb je het lang verwachte kindje en dan kan je niks. Dat is ook niet goed.

THE MARKET OF (INTERCOUNTRY) ADOPTION

Dutch Adopters and AP's share their ideas and comments about adoption at a site called Adoption Bulletin. Most times anonymously. Last few days the discussion regarding adoption costs appeared again. The way the posts are written shows a clear marketdriven reality. Prices are compared for different sending countries and even how people get the money (for instance to raise their mortgage or take a second one) is a topic of discussion. Where in the past a certain privacy was taken into account and a common shame regarding these issues, the full openness regarding these issues shows a new development referring to (intercountry) adoption.

But sometimes you will find dismissive topics to use euphemistic language to hide the real act of the role of money to get the children they want. In one of the comments an adoptive-mother wrote that she still feels a bit awkward to pay the GIFT money to orphanages in China which also went up (probably due to market reasons now less Chinese children are available for adoption and the demand stays equal or even rises).

This so-called GIFT Money are the uncontrolled cash transactions of € 2.500 - 3.500 per child which has nothing to do with the expenses for the adoption procedure. The Dutch government calls this 'Facilitation Payments' , excusing that in certain countries its common to pay bare money to get the deal done. They used the definition which was once raised by the OECD which nowadays tries to discourage the use of it. The Kalsbeek Committee, with an adoptive mother and renowned adoption researcher dr. Femmie Juffer as member, agreed upon acceptance of this kind of 'bribery' to get the children to the Netherlands.

USA - ADOPTION PRACTICES SUPPORTED FINANCIALLY BY THE STATE

Extension of Adoption Tax Credit

National Council for Adoption (NCFA) has confirmed the extension of the adoption tax credit with the following announcement:

"On December 16, 2010, Congress passed the Middle Class Tax Relief Act of 2010 (HR4853), extending the current tax cuts through the end of 2012. President Obama is scheduled to sign the bill into law today, December 17.

The Middle Class Tax Relief Act also extends the adoption tax credit.* The National Council For Adoption (NCFA) celebrates the extension of this credit, which offers a tax credit for adoption-related expenses to families that adopt domestically or internationally. This important tax policy will continue to help make adoption more affordable for American families, benefiting children available for adoption in the U.S. and around the world.

"Since 1997, the adoption tax credit has helped many families defray the often high cost of adoption, allowing them to provide permanent, loving families for countless children who may otherwise have remained in the U.S. foster care system or a foreign orphanage,” said Chuck Johnson, president and CEO of NCFA. “We are very pleased that Congress and the President were in agreement that families and the children they adopt should continue to benefit from this specific tax credit, and saw fit to ensure that it continues to be available for another two years. As a longtime advocate for the adoption tax credit, NCFA hopes to one day see it become a permanent part of the tax code.”

For more information regarding the adoption tax credit, please see NCFA’s Adoption Advocate No. 21: “Tax Benefits for Adoption: The Adoption Tax Credit.”

* The current adoption tax credit is $13,170 for qualifying families. At this time, it is unclear what the exact amount of the credit will be in 2012, or whether the new legislation will allow for the current tax refund option.