International Adoption: Most Affordable Country

Oh, I agree. I have three kids and we live on one income too, but our tax liability . . . don't get me started. :) I just know that it comes up on the Guat board on a regular basis that people take out loans, home equity, whatever to pay for the adoption expecting to have the tax credit to pay it off and then find out they don't qualify. Or are only able to utilize a small portion of it over the 5 years it can be spread out over. I think a lot of people go in with the perception that the govt. is just going to write them a check for $11,650 and are up a creek when it doesn't happen. Unluckly I think a lot of social workers and agencies dont' understand it themselves and spread a lot of incomplete and inaccurate information. I know ours did!