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	<title>Kentucky Family Law Blog &#124; Divorce and Family Law &#187; Adoption</title>
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		<title>Creative Resources to Make your Adoption Affordable</title>
		<link>http://www.barrowweigel.com/blog/creative-resources-to-make-your-adoption-affordable</link>
		<comments>http://www.barrowweigel.com/blog/creative-resources-to-make-your-adoption-affordable#comments</comments>
		<pubDate>Mon, 08 Feb 2010 00:14:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Adoption]]></category>
		<category><![CDATA[Affordable]]></category>
		<category><![CDATA[Creative]]></category>
		<category><![CDATA[Resources]]></category>

		<guid isPermaLink="false">http://www.barrowweigel.com/blog/?p=74</guid>
		<description><![CDATA[The number one reason otherwise qualified families state for not moving forward in their 
adoption is because of funds. They are ready to love a child through adoption, but are unable to adopt the child that they have always wanted due to money concerns. As sad as this is, we faced the same thing 20 [...]]]></description>
			<content:encoded><![CDATA[<p>The number one reason otherwise qualified families state for not moving forward in their <br />
adoption is because of funds. They are ready to love a child through adoption, but are unable to adopt the child that they have always wanted due to money concerns. As sad as this is, we faced the same thing 20 years ago and found if there is a will there is a way.  </p>
<p>Adoptions can be expensive, running from around $12,000 to $25,000 for home studies, agency fees, legal representation costs, facilitation fees and travel, among other items. What many people don&#8217;t realize is that there are alternatives for adoption funding. </p>
<p>Most people don&#8217;t think twice about signing loan papers for a car, but don&#8217;t want to do the same for an adoption. An adoption will last longer than the car and give more joy over a lifetime. The following information is to help you find a way to get started sooner than later and find a way to adopt no matter what your financial situation is.</p>
<p>Getting creative with funding is the key to financing the adoption you&#8217;ve been dreaming <br />
about. Working toward adding a child to your family may not be easy, but it will be well <br />
worth the effort taken to find these resources. Some families are finding through these suggestions they are able to adopt for free or for less than they had ever expected. Remember you get out what you put in, so the more research you do, the better you will be at finding money for your adoption.</p>
<p>&#8221;	<b>Employer&#8217;s adoption benefit</b> &#8211; The first thing you want to check into is your employee adoption benefit- this is becoming more popular and more small and medium size companies are offering some type of adoption credit for their employees. For example, Verizon has a $10,000 adoption benefit, and Pepsi has a generous adoption benefit as well. Small companies have found tax benefits to offering these adoption incentives to their benefit package &#8211; ask your Human Resource Dept for <br />
details. Or visit Adoption-Friendly Workplace Program. They offer free materials to help <br />
people advocate for adoption benefits in their workplace. Call 877-777-4222 for details. </p>
<p>&#8221;	<b>The Federal Tax Credit</b> is over $10,000. To learn more about this credit, visit Let&#8217;s Talk Adoption for an audio interview with a Tax Specialist explaining the details about the adoption tax credit and what you can and can&#8217;t deduct. Or, visit IRS for forms. </p>
<p>&#8221;	<b>Savings</b>- sounds simple, but you have to start somewhere and it will help motivate you to add to it.  If you have made the decision to adopt, start saving money right away; the sooner the better. Just cutting back on Starbucks lattes can help &#8211; at $5 a day you can stash enough to get you started. </p>
<p>&#8221;	<b>Raising Money With Online Auctions</b> &#8211; Go through your garage, attic and house for treasures and unused items that you have stowed away and forgotten about. Ask friends for donations of items they don&#8217;t want. Run a free ad to ask for donations for funding your adoption. Selling these online through auction can aid you in raising a good amount of money. Try Ebay or Craigs List.</p>
<p>&#8221;	<b>Have a Yard Sale</b> &#8211; Whatever you cannot sell online, you may be able to sell at a yard sale. Ask relatives and friends if they have any old usable items that they can donate toward your &#8220;Adoption Yard Sale.&#8221; Two hopeful adoptive mothers I know created banners to hang over their garage &#8211; stating they were funding their adoption and neighbors and other community families donated boxes and also bought at top dollar to <br />
help them. Be sure to keep your signs all looking the same and mentioning Adoption Garage Sale.  You might also make up flyers to pass around at church, local schools, and work. </p>
<p>&#8221;	<b>Adoption Grants</b> &#8211; Though you may not be aware of them, there are some grants that perhaps may help with some of the expense of adopting a child. Many of these grants will help cover international adoptions, or adoptions of special needs adoptions. Most grants range from $2,000 &#8211; $5,000, but can go much higher if you fit the requirements. Often, these grants are need-based. Some are faith based &#8211; a list is <br />
included the book Adopting Online found online or you may request a copy from your library. African American Adoptions offers grants for African <br />
American infant and older child adoptions to qualifying adoptive parents </p>
<p>&#8221;	<b>Adoption Loans and Lines of Credit</b> &#8211; Loan programs geared toward adoption are another alternative many prospective adoptive parents are unaware of. An adoption loan makes it possible to have the money needed to adopt a child now. It also allows you to repay the loan in payments. A line of credit can be even better, as you only borrow when you need it. This is a great idea if you simply do not have a large amount of cash on hand to fund an adoption, and payments would make adoption a great deal more affordable and allow you to get started faster.  You might also ask your parents for a loan to help you adopt.  Depending on the relationship, this might be the best way to get started and pay your adoption loan back.  Visit Adoption Financing Information, they have more than one program and can also help families with less than perfect credit. </p>
<p>&#8221;	<b>Plan a Fundraiser</b> &#8211;  some families have successfully planned a Spaghetti Feed at their church. You might ask for donations of food and plan a silent auction from local businesses that want the extra exposure.  </p>
<p>&#8221;	<b>Set up an &#8220;adoption walkathon&#8221;</b> &#8211; ask friends and family to pledge a dollar per mile to help bring your child or baby home through adoption. </p>
<p>For any successful fundraiser, be sure to contact the local press, including radio stations for interviews and to post your event on www.craigslist.com and in flyers at local schools, churches, businesses and remember to let friends and family members know. </p>
<p>There are several ways to raise the money needed for adoption if you are creative. Having a yard sale or raising money through online auctions may not seem like it would bring you a lot of help, but it will. One mother I helped raised over $1,200 on one garage sale and over $2,500 on her online auctions. Two hours per night is all it takes to sell in online auctions. An exceptional amount can be raised if friends and family donate items to your cause. You might be surprised at how the extra items can make a difference. <br />
Any amount helps, and if you still find yourself short of what you need, there are grants <br />
and loans to help you obtain the money you need.</p>
<p>Remember the tax credit and employer benefits &#8211; these are the first to investigate.</p>
<p>With a little foresight and planning and the many adoption funding options available today, the average family has a chance to bring the light of love into their home with the adoption of a child. Families are able to adopt for much less than they might have thought. There are so many children out there that need the warm and secure home you have to offer; why not take advantage of every funding alternative available to you? <br />
Completing your family circle with an adoption will soon be more than just a dream!</p>
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<p>Mardie Caldwell, C.O.A.P. is a Certified Open Adoption Practitioner, an award winning author of 2 adoption books Adopting Online and Adoption: Your Step-by-Step Guide.  Mardie is also the talk show host of <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.letstalkadoption.com">Let&#8217;s Talk Adoption.com with Mardie Caldwell</a> and the founder of <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.lifetimeadoption.com"> Lifetime Adoption</a> in 1986. She travels and speaks nationwide on adoption topics, family topics, infertility and writing. She has been quoted in and consulted for Parenting and Adoption magazines and has appeared on CNN, CBS, ABC, BBC, NBC, and Fox. Featured in Parade Magazine, Caldwell is an adoptive mother living in Northern California.</p>
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		<title>How the adoption tax credit works</title>
		<link>http://www.barrowweigel.com/blog/how-the-adoption-tax-credit-works</link>
		<comments>http://www.barrowweigel.com/blog/how-the-adoption-tax-credit-works#comments</comments>
		<pubDate>Wed, 27 Jan 2010 14:25:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Adoption]]></category>
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		<guid isPermaLink="false">http://www.barrowweigel.com/blog/?p=120</guid>
		<description><![CDATA[The decision to adopt is one of the most exciting moments in one’s life. Yet, financing an adoption is an overwhelming stress for most adoptive families. The costs involved in the adoption process can be devastating, and prospective adoptive parents may get discouraged.
The Adoption Tax Credit is one of the valuable funding options available to [...]]]></description>
			<content:encoded><![CDATA[<p>The decision to adopt is one of the most exciting moments in one’s life. Yet, financing an adoption is an overwhelming stress for most adoptive families. The costs involved in the adoption process can be devastating, and prospective adoptive parents may get discouraged.</p>
<p>The Adoption Tax Credit is one of the valuable funding options available to prospective adoptive families, but also one of the most intricate tax law provisions. Received by the Internal Revenue Service (IRS), the Adoption Tax Credit asserts that the adoption expenses are subtracted against the yearly tax liability. However, adoptive families need to learn what the tax credit covers, what the directly related adoption expenses are, who qualifies, and how the provision works.</p>
<p>The tax credit is applicable both to domestic and international adoptions. For a domestic adoption, adoptive families can claim the credit regardless if the adoption process is not finalized. Instead, for an international adoption, adoptive families cannot apply for the credit until the adoption process is finalized. In case the adoption process of an international adoption is interrupted, families may claim the adoption expenses to the maximum amount that may be credited on a second adoption.</p>
<p>Eligibility requirements of the adoption tax credit require that adoptive families have adopted an eligible child and that they have paid qualified expenses on their own. The tax credit defines as eligible any child younger than 17 or any child who is US citizen, or resident alien, mentally and physically incapable of taking care of oneself.</p>
<p>If the adopted child is a US citizen or resident alien, adoptive parents collect the credit for qualified expenses based on when the adoption was finalized. For example, for expenses paid before the adoption is finalized, tax credit is collected the next year; for expenses  paid the same year that the adoption is finalized, tax credit is collected the same year; for expenses paid after the adoption is finalized, tax credit is paid the year the expenses are made.</p>
<p>If the adopted child is a foreigner, adoptive parents collect the credit for qualified expenses the same year that the adoption is finalized. Also, for any expenses made after the finalization of the adoption, adoptive families are eligible for collecting tax credit the same year that they made the expenses.</p>
<p>The IRS (Publication 968) defines as directly related adoption expenses the adoption fees, legal fees, transportation fees, meals, and accommodation expenses provided they are all “reasonable and necessary.&#8221; Prospective adoptive parents should revise the IRS guidelines very carefully with a tax expert so that they are sure about the expenses they are eligible to claim. For example, expenses related to surrogate families are not included in the qualified expenses for the tax credit. Also, expenses that are already reimbursed by private programs such as employee benefits are not qualified either.</p>
<p>Currently, the States of Arizona, California, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, Utah, West Virginia and Wisconsin exercise the Adoption Tax Credit providing a full credit of $12,150 for offsetting adoption expenses. Adoptive families that have been reimbursed by the tax credit provision consider that is more valuable than plain tax reduction because qualified adoption expenses are subtracted on a dollar to dollar basis. Hence, if someone has a tax liability of $8,000 and has incurred adoption expenses of $5,000, tax liability will be reduced to $3,000. In case the tax liability is lesser amount than the tax credit, the difference is carried forward for up to five years.</p>
<p>Generally, prospective adoptive parents should consult tax experts in order to clarify their eligibility, to investigate if their State offers the Adoption Tax Credit, and overall, to ensure that all their claims are appropriately filed.</p>
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<p>I work as a financial and investment advisor but my passion is writing, music and photography. Writing mostly about finance, business and music, being an amateur photographer and a professional dj, I am inspired from life. </p>
<p>Being a strong advocate of simplicity in life, I love my family, my partner and all the people that have stood by me with or without knowing. And I hope that someday, human nature will cease to be greedy and demanding realizing that the more we have the more we want and the more we satisfy our needs the more needs we create. And this is so needless after all.</p>
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		<title>DNA Adoption Networking</title>
		<link>http://www.barrowweigel.com/blog/dna-adoption-networking</link>
		<comments>http://www.barrowweigel.com/blog/dna-adoption-networking#comments</comments>
		<pubDate>Tue, 12 Jan 2010 00:20:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Adoption]]></category>
		<category><![CDATA[Networking]]></category>

		<guid isPermaLink="false">http://www.barrowweigel.com/blog/?p=37</guid>
		<description><![CDATA[With advances in computer technology and DNA science, it seemed likely that a way would be found for the far-flung children of China to find their birth families. That day seemed far off in the future. However that day is here now, and it has arrived 20 years before I expected it. A new kind [...]]]></description>
			<content:encoded><![CDATA[<p>With advances in computer technology and DNA science, it seemed likely that a way would be found for the far-flung children of China to find their birth families. That day seemed far off in the future. However that day is here now, and it has arrived 20 years before I expected it. A new kind of internet website provides the means for adopting parents of children adopted from China to discover if their child has a sibling, half-sibling, cousin or other relative adopted anywhere in the world. In addition, birth parents in China will be able to search for their biological child who has been adopted by a family living somewhere in the world. While China adoptions are the largest example of what is now possible, it applies to every adoption in the world today. I don&#8217;t think it is an overstatement to say that this is the most startling development in the field of adoption information in the past 25 years.</p>
<p>There are two new kinds of sites in particular that seem useful to the adoption community. They are interesting because both kinds are the first of a new genre of websites. The first are DNA social networking sites; the second are primarily gene-decoding sites.</p>
<p> 1. DNA Adoption Networking
<p>DNA Adoption Networking is a part of a new internet service the New York Times has called Zygotic Social Networking. These networking services permit users to build a social network around shared genetic material. Similar to Facebook, users are able to post photos, update their profiles, blog, and send messages to each other. More importantly, for adoptive families they facilitate searches for relatives and allow members to compare genetic makeup.</p>
<p>Basically, you sign up with the service, do a cheek swab, send it in, and a portion of your genetic makeup gets compared to others on the databank. You or someone else (somewhere in the world) can then click on a map that shows a marker for every other member around the world who shares genetic markers found in your DNA profile.</p>
<p>Perhaps even more amazing is that the creators of these sites believe that we are only at the beginning of their abilities and usefulness. Experts believe that every new discovery in the field of genetics will provide the users with new information about their identities.</p>
<p><strong>Who Would Use This Service?</strong></p>
<p>A broad spectrum of the adoption community will be able to make use of these sites:</p>
<p>(i) <strong>Biological parents</strong> who placed a child for adoption (or perhaps abandoned a child) can search for their child worldwide with one registration.<br />(ii) When a<strong>dopted children</strong> become teenagers or young adults, they often want to find out more about their roots. While they may not find their birth parents immediately, they may locate other relatives. In order to identify siblings, half-siblings, cousins or grandparents, it will be necessary for one of their biological parents to register on the site (At this time you need a parent to also register in order to say definitively that two relatives are siblings). Those relatives may turn up immediately or a decade or two later as new relatives register on the site.<br />(iii) <strong>Adopted Adults</strong>. Life is long, and at some point when adopted children have become adults, they frequently want to look for their roots. While adoptive parents today usually explain to their children that they were adopted, that has not always been the case, nor is it universally true. As a result, individuals registering on these sites, who had no idea that they were adopted, may be in for a surprise.<br />(iv) <strong>Adoptive parents</strong> who want to find siblings, birth parents, or other relatives of their adopted child can register their child. Parents registering children over 13 require the child&#8217;s agreement to do this. In fact, it appears that inquisitive adopted teenagers could likely register themselves if they have access to $149.<br />(v) <strong>Adoption Agencies</strong> may want to include information about DNA Adoption Networking in their adoption education programs. It&#8217;s a reality check for parents who state they want to adopt, but never want anything to do with the birth family and that&#8217;s why they want to adopt overseas. At some point their child may register and find relatives in other countries.</p>
<p>Not everyone involved in adoption will want to participate in this worldwide experiment in genealogical research. While most adopted children want to know who their biological parents are, this is not always true. However, for those who do want to know where their child is, or who their biological parent is, these websites are already producing results and matches. An ABC News video clip, which is accessed by a link on the GeneTree.com home page, includes an interview with an adopted adult who only knew his birth date and place, and subsequently found relatives in several parts of the world.</p>
<p>Since DNA Adoption Networking will essentially provide a worldwide adoption reunion registry, people should think carefully before registering. While anyone can use one of these sites, special precautions need to be taken when they are used by the adoption community. Some individuals may wish to obtain counselling before registering. Adoption Reunion Registries are located in most jurisdictions in North America and they frequently provide counselling to the parties both before and after a reunion.</p>
<p>What makes these sites so different from the sites described next is that no genetic information is given back to you (the participant).</p>
<p> 2. DNA Gene Decoding Sites
<p>The second type of service now on the web that will impact adoptions is the ability to decode your child&#8217;s DNA. Adoptive families will find this site useful for many reasons. Your child&#8217;s DNA is decoded, providing you with much valuable information. The experience is simultaneously unsettling, illuminating and empowering.</p>
<p>While these decoding sites provide the opportunity for DNA Adoption Networking, that seems to be a by-product of their main function, which is to decode your DNA. For the adoption world, services like this have extraordinary implications, including:</p>
<p>(i) In the majority of adoptions in the world, there is little or no information about the birth father. This includes domestic adoptions, as well as adoptions from other parts of the world. Decoding your child&#8217;s DNA will provide you with significant information about the birth father and the birth mother. The websites claim they allow you to look 20 or 40 years into the future at significant DNA markers that will affect your child&#8217;s health (such as pre-disposition to certain diseases). <br />(ii) Once registered with some sites, you will be automatically advised over the next 10, 20 or 30 years, as medical science makes new discoveries and advances. <br />(iii) In some situations DNA decoding may become available as part of pre-adoption medical and social information about the child. Currently, parents receive limited medical information, photographs, and sometimes a video. Perhaps in the future a DNA swab will become part of this pre-adoption information package.<br />(iv) As countries become more selective about whom may adopt their children (such as China) will they want DNA tests of the adopting parents? Adopting Parents already have to supply medical and lab reports as part of a dossier for international adoption. Are DNA reports next?</p>
<p>These websites will bring great opportunities, but also great quandaries. We will no longer have the problem of not knowing, but instead have the burden of whether we want to know in the first place. We will know whether our children are predisposed to certain traits or talents, athletics, music or languages, and we&#8217;ll encourage them to pursue certain paths. I have recently described these websites to clients, friends and relatives. It is interesting how many people have said, &#8220;But do you really want to know this information?&#8221;. Clearly, some people would rather not know and just let the future unfold.</p>
<p> Cautions
<p>Be careful what you wish for. By going down this road, you may be opening a Pandora&#8217;s Box. In short, we are on the brink of scientific and technological breakthroughs that are going to change adoption in a way that has never happened before. Please consider the following:</p>
<p>  <strong>Privacy:</strong> What is more personal than your DNA? Each of these websites has a privacy statement. Please read these before registering. It is important to understand what privacy protection is offered and whether you can set your own level of privacy on the site. Also keep in mind that the world doesn&#8217;t always work perfectly. If you put information on the internet, there is a chance of it getting loose by accident or otherwise. <strong>Concerns:</strong> There are social, moral and ethical issues involved in registering your or your child&#8217;s DNA on a website. Before registering on any site prospective applicants should read the China Adoption DNA Project website where the site creators have considered the implications of parents taking the step of trying to find biological relatives in this way. Please read and think about these issues before registering on a DNA Adoption Networking site.  <strong>Second Test:</strong> If you join one of these websites and find a match that is important to you, please confirm it with a second and more formal DNA test. An article in the October Journal of Science warned that popular do-it-yourself DNA tests could produce incomplete results. <strong>Early Days:</strong> These websites have just started up. It will take time for enough families to register worldwide for there to be many matches of close relatives. Keep your expectations low for now and check in from time to time<strong>.</strong> <strong>Men and Women:</strong> Men can get a lot more out of DNA testing than women because they inherit both an x and y chromosome. For women to get the same results, they need to supply a sample from a close male relative like a brother or father. <strong>Language:</strong> The scientific words and terminology used on these websites can be challenging. Some sites have a glossary or definition section. That&#8217;s a good place to start in understanding this field of research.
<p><strong>Registering:</strong> A recent survey of adopting parents (by the China Adoptions DNA Project) found that while the adoption community is keenly interested in learning more about how a DNA database could benefit their children and families, the overwhelming majority of parents currently do not know enough about it or are not comfortable enough with what they do know to take the next step and join a database. I encourage adoptive families to spend time on the DNA websites listed at the end of this article. Review their DNA science lessons, read the FAQ&#8217;s and watch the videos. You will learn a lot.</p>
<p>Of course, if you&#8217;re only registered on one site, it reduces the possibility of matches. Perhaps all the members of the adoption triad in the world who want to share this information should register on only one of these sites , or on a site yet to be created specifically for the adoption community. In the future there will undoubtedly be more of these kinds of websites, and their usefulness will advance as science advances. If you do register with one of the websites listed below, let us know about your experience with it.</p>
<p><strong>Welcome to the Age of Genomics</strong> <strong>Adoption will never be quite the same!</p>
<p></strong></p>
<p> Websites to Visit A. DNA ADOPTION NETWORKING SITES
<p>1. www.GeneTree.com</p>
<p>This service:</p>
<p>  operates world-wide;  is easy to understand and easy to use;  is free (except for the DNA swab collection kit $99 &#8211; $149);  matches relatives (such as cousins), which greatly increases the chances of finding out more information about the child&#8217;s family of origin.
<p>The site is part of a worldwide genealogical and genetic research project. Anyone who joins is a participant in this project. (Unfortunately, this information is not made clear on the website until a registrant orders a DNA swab kit and is presented with a 6-page contract to sign.) Parents who don&#8217;t like the trade-off of being part of a research project may want to pass on registering. Others will be happy to be part of a DNA research project that also provides the opportunity for free DNA Adoption Networking. This site is headquartered in Salt Lake City, Utah, which is already known as the largest center of genealogical research in the world. Clearly, they want to make it bigger.</p>
<p>When you order your DNA swab kit ($149) you will be asked to sign a 6-page contract. Read it carefully. It has some interesting terms, including:</p>
<p>  you are a participant in a research study;  no genetic information is provided back to you;  you can withdraw from the study at any time and have your information deleted;  while this site will match two voluntary users of the site together if they want, the site will not get involved in providing adoption or paternity information (that it may learn of) to anyone.
<p>The website has a &#8220;Facebook&#8221; aspect to it, except you are networking with people you share similar DNA with around the world instead of your chosen friends. Participants set their own level of privacy on this site. In other words, you can register your DNA and then set privacy parameters as to the disclosure of information and whether you want contact with other members of your extended family. Of course, in addition to privacy concerns, the idea of adoptive families around the world registering their DNA on a master database certainly has a &#8220;Big Brother&#8221; feel to it. As a result, this service may not appeal to everyone.</p>
<p>2. www.dnaancestry.com</p>
<p>This site is part of www.ancestry.com and allows you to use DNA to search for ancestors, clans and by surname groups. www.ancestry.com is an established genealogical research site also headquartered in Utah. It already has a user base of 15 million, of which 3 million have posted their searchable family trees. It is the internet&#8217;s largest family-history archive. The test kit costs $149 to $179, depending on how sophisticated you want the results to be.</p>
<p>3. www.familytreedna.com</p>
<p>This website claims to have the largest DNA databases in the field of Genetic Genealogy (178,000 records). Their website includes tutorials on the use of your DNA. It also has a DNA user&#8217;s forum which has posts from adoptees who have had varying degrees of success at finding relatives. The tests cost $149 to $199.</p>
<p>4. www.a-chinadnaproject.org</p>
<p>Although this site is not yet operational as a registry, it does have interesting things to say. It is a site worth reading and thinking about the points raised there. In addition to searching for relatives, a second, equally important mission of the website, is to create a voluntary, anonymous DNA database that will provide information that could benefit all Asians of Chinese descent. The China Adoptions DNA project states numerous times on this website that it is not yet underway since it has no funding. It worries about the costs to parents and the cost of providing the service. Some adopting parents will want to wait and see if this adoption-oriented website becomes operational because of the additional safeguards that have been created for the adoption community.</p>
<p>5. www.tracegenetics.com</p>
<p>  This site has an extensive FAQ section that will teach the reader a lot about this area of science in understandable language.   It offers testing for both the child&#8217;s maternal and paternal lineage. It then issues a report based on the percentage of ancestry from each of the world&#8217;s biogeographical areas.  This site claims to have the largest Native American DNA database in the world.  This website will also provide you with custom DNA projects. You can tailor your genomic requests to what you want. B. DNA GENE DECODING SITES
<p>6. www.23andme.com</p>
<p>This is a web-based service that helps you understand your DNA. Send in a sample of your child&#8217;s saliva and see how the decoded genes indicate your child&#8217;s future. This site is partly funded by Google. The cost for a DNA analysis is $999, and you will receive a report analyzing almost 600,000 DNA checkpoints.</p>
<p>At this time their service is only available in the USA, Europe and Canada, although it will expand in the future to other countries. In response to my question to this site as to whether adopting parents could use it to have the DNA decoded for a child proposed to them for adoption, the response was &#8220;Our service is not intended to be used for genetic screening purposes.&#8221;</p>
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<p>Mr. Douglas Chalke has been the Executive Director of  <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.sunriseadoption.com">Sunrise Family Services Society</a> (a British Columbia government licensed adoption agency) since its inception twelve years ago. Mr. Chalke has considerable experience with international adoption and has visited orphanages and government ministries across the world. Mr. Chalke is an administrator with many years experience assisting children to find homes in Canada, and in assessing, educating and approving the families who are going to provide those homes.</p>
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		<title>Adoption and The Workplace</title>
		<link>http://www.barrowweigel.com/blog/adoption-and-the-workplace-2</link>
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		<pubDate>Mon, 11 Jan 2010 19:22:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Adoption]]></category>
		<category><![CDATA[Workplace]]></category>

		<guid isPermaLink="false">http://www.barrowweigel.com/blog/?p=23</guid>
		<description><![CDATA[By Douglas Chalke
Barb and Maxine work for a large corporation whose profit for the last quarter was $400 million. Both women are new moms, currently at home caring for their children. Barb will be at home for 52 weeks and will receive 85% of her regular salary. Maxine, on the other hand, is able to [...]]]></description>
			<content:encoded><![CDATA[<p>By Douglas Chalke</p>
<p>Barb and Maxine work for a large corporation whose profit for the last quarter was $400 million. Both women are new moms, currently at home caring for their children. Barb will be at home for 52 weeks and will receive 85% of her regular salary. Maxine, on the other hand, is able to stay home for only 35 weeks during which she receives 55% of her usual salary. What&#8217;s the difference? Barb is a biological mother; Maxine is an adoptive mother.</p>
<p>Both the Federal Government and the employer are treating these women differently, based on the way they have chosen to build their families. Their employer, like many organizations, &#8220;tops up&#8221; the payments received from Employment Insurance so that employees receive full (or near full) salaries while they are off work1. In Maxine&#8217;s case, however, their employer does not extend the benefit to adoptive parents.</p>
<p>The Federal Government pays Employment Insurance (EI) benefits to provide financial assistance to new parents (currently 55% of average insurable earnings to a maximum of $413 / week). Maternity benefits are payable to biological mothers for a maximum of 15 weeks. Parental benefits are payable to parents (biological or adoptive) for a maximum of 35 weeks. Thus biological parents are eligible for 50 weeks of employment insurance while adoptive parents hit the maximum at only 35 weeks. One adoptive parent is mounting a Charter of Rights challenge on this very issue in the E.I. Legislation.2</p>
<p>Biological parents are provided with EI benefits over a one- year period comprised of:</p>
<p>a) 2 week disqualification period (i.e. no EI payments) and</p>
<p>b) 15 weeks of maternity benefits; and</p>
<p>c) 35 weeks of parental benefits</p>
<p>Total: 52 weeks</p>
<p>Many employers also pay top-up wage compensation to their employees for the two-week E.I. disqualification period by topping up their wage to between 85% and 100% of their normal salary (i.e. the employer pays all of this benefit during the first two weeks). For the next 15 weeks, the top-up reduces by the amount of the E.I. maternity benefits (described above). Some employers also top-up the employees&#8217; salary for the full 35 weeks of parental benefits as well3.</p>
<p>As a result of complaints we received about how adopting parents were treated in the workplace, Sunrise conducted a limited and informal poll of its clients to see how widespread the differential treatment of adoptive and biological parents by employers is, and we were stunned by the responses. Many of our clients reported situations in which a biological parent receives top up payments, while an adoptive parent is refused. Here are some examples of what we heard:</p>
<p>Government of British Columbia: The B.C. Provincial Government is one of least discriminatory employers we heard about. It offers a top-up to both biological and adoptive parents (to its unionized and non-unionized employees.) It also offers adoptive parents a &#8221; Pre-Placement Adoptive Leave.&#8221; This leave allows adoptive parents to attend pre-placement visits for their homestudy or to complete legal requirements for the adoption while collecting 85% of their regular salary.</p>
<p>Government of Canada: A federal civil servant, who is an adoptive parent, received 93% of her wage by top-up for 37 weeks. The real irony is that the Federal Government treats its adoptive parent employees better than most employers do, but discriminates against all adoptive parents with its EI policy!</p>
<p>Police: The RCMP (a federal government employer) offers both adopting and biological parents the top-up for 37 weeks. Other police forces in British Columbia (Municipal forces) generally do not pay the top-up to adoptive parents. (The municipal public force in Saanich, B.C., however, does pay the top-up for 37 weeks).</p>
<p>Municipalities: One adopting parent reported that the Municipality she worked for finally gave her the top-up right after she filed a complaint with the Human Rights Commission.</p>
<p>Hospitals: Regional Health Districts are the employer for nurses in British Columbia. One adoptive parent reported that in his hospital, biological parents receive a top-up on the EI Maternity Benefit only. No one receives a top-up on the Parental Benefit. Since adoptive parents don&#8217;t qualify for maternity benefits, they don&#8217;t receive any top-up at all.</p>
<p>Universities: Universities do not seem to take a consistent approach in how they treat their employee parents. Adopting parents employed by universities told us about a wide variety of benefits payable to adopting parents. Often these were inconsistent, unusual, and at times discriminatory.</p>
<p>At the University of British Columbia, adopting parents get topped-up for 12 weeks, while biological mothers receive 20 weeks. At the University of Toronto, adopting parents receive 27 weeks of top-up, and biological mothers receive 3 weeks more. At Capilano College, parents on parental leave are topped-up to 80% of salary, and for parents on maternity leave to 90% of salary.</p>
<p>Professors at Simon Fraser University are the only employees we found who were treated absolutely identically whether they were biological or adoptive parents. To do this, the maternity benefits not paid to adoptive parents by EI are covered by the university. Kudos to SFU!</p>
<p>Schools: We heard from many teachers across the province. School Districts in British Columbia bargain separately with the teachers&#8217; union (BCTF). As a result, adopting parents (who are also teachers) receive different benefits depending on where they work. For example, Surrey Teachers do receive the top-up of 95% of salary for the first 2 weeks, 70% for next 15 weeks and zero for the balance of parental leave. North Vancouver District teachers receive 95% for the first 2 weeks, but then 70% for only the next 10 weeks (while biological mothers receive it for the next 15 weeks). Most other school districts do not pay top-ups at all to teachers. There is no rational basis for treating teachers, who choose to create their families by adoption, differently. One parent was told that top-ups are not paid to adopting parents because the school district follows &#8220;Government of Canada rulings&#8221;. This doesn&#8217;t accord with our findings; all federal government departments that we heard from do top up adopting parents.</p>
<p>One adopting parent employed by the Coquitlam School Board was recently refused the top-up. When she told her employer that she was filing a complaint with the Human Rights Commission, she immediately received a top-up.<br />Falling Between the Cracks</p>
<p>Some adopting parents are in a catch-22 situation and the problem may not be resolved until a parent takes action. We heard from several British Columbia parents who reported that employers dodge responsibility by saying it is up to the union to ask for benefits through the collective bargaining process.</p>
<p>One city police department we heard from only offers the top-up to biological parents. A Port Moody police officer said, &#8220;I am a union member and was entitled to nothing under the collective agreement. However, we were in the middle of negotiating a new one, and I asked for a provision to be added. I was unsuccessful&#8221;.</p>
<p>Pursuant to Labour Relations legislation, unions are required to represent minority interests (like those of adopting parents). Failure to do so can lead to a complaint with the Labour Relations Board. Exercising that legal right against your Union, however, can be a scary prospect.</p>
<p>Another adoptive parent reported:</p>
<p>&#8220;I wasn&#8217;t sure if there are many others in the same boat as myself, and considering the extremely daunting task of applying for change in our organization (my employer is Vancouver Coastal Health), I have not bothered to try. I would have to put forth a motion to the union (membership = 40,000) and the union would then vote on whether or not to pursue this issue with the Health Authority and ultimately the Government. Another union colleague who adopted several years ago felt the same as I do now.&#8221;</p>
<p>Many adopting parents had similar experiences when they approached their union. They were told that nothing could be done. Studies in the USA show that less than 1% of eligible employees receive adoption employment benefits. No wonder adoptive parents can feel lost in big unions!<br />What Can Be Done?</p>
<p>In a landmark 2002 study, 94% of respondents stated that adopting parents should receive the same benefits in the workplace as biological parents4. It is clear our society feels overwhelmingly that adopting and biological parents should be treated equally.</p>
<p>This doesn&#8217;t seem right. Large government employers (such as hospitals, health districts, municipalities and school boards) should not justify continuing to discriminate by claiming that the unions need to ask for it. They should take responsibility and end the discriminatory treatment.</p>
<p>Employers should treat parents equally, whether they give birth or adopt. If an employer pays an E.I. top-up to a biological parent, then the same compensation should be paid to an adopting parent. To not do so is discrimination. 6</p>
<p>The need for change is apparent and many parents expressed an interest in making that change happen. Unless adopting parents object, this discrimination will not end. One possibility is to file a complaint with the BC Human Rights Tribunal.7 The most effective solution may be for adoptive parents to lobby their MLAs and MPs for legislative change. How about a law that simply says adopting parents and biological parents must be treated the same in any workplace. (After all 94% of society already thinks this is what should happen)</p>
<p>Talk to your employer and/or your union officials. If your organization tops up biological parents, insist that they treat adoptive parents equally.</p>
<p>1 We also heard about a few employers who give their employees a lump sum payment to help with adoption expenses. These payments ranged between five and ten thousand dollars.</p>
<p>2 This appeal is currently making its way towards the Supreme Court of Canada. The appeal at the Federal Court of Appeal is scheduled to be heard March 29 &#8211; 30, 2007. For a review of the issues in this case see http://www.bcadoption.com/afabc.</p>
<p>3 The rules about E.I. Supplemental payments (Top-Ups) are set out at www.hrsdc.gc.ca</p>
<p>4 The Dave Thomas Foundation in the USA has established a website with materials and assistance to help employers establish adoption friendly workplaces &#8211; see www.adoptionfriendlyworkplace.org</p>
<p>6 One adopting couple has written an impassioned plea for parents to lobby their MP&#8217;s to help end discrimination against adopting parents. See www.bcparent.ca/articles/adoption/overcoming_discrimination.html.</p>
<p>7 In Ontario court the courts have not been sympathetic to adopting parents. In a case called Shafer the Ontario Court of Appeal decided that the discrimination built into the EI legislation did not contravene the Charter of Rights.</p>
<p>The information in this article has been obtained from a limited survey of Sunrise clients. The next step is to broaden the scope of this investigation to the BC and Canadian adoption community as a whole. If you know of someone who has had a similar experience (good or bad), please contact us. We would like to understand the full extent of this problem in British Columbia and Canada and will publish the results of the final survey.</p>
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<p>Mr. Douglas Chalke has been the Executive Director of  <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.sunriseadoption.com">Sunrise Family Services Society</a> (a British Columbia government licensed adoption agency) since its inception twelve years ago. Mr. Chalke has considerable experience with international adoption and has visited orphanages and government ministries across the world. Mr. Chalke is an administrator with many years experience assisting children to find homes in Canada, and in assessing, educating and approving the families who are going to provide those homes.</p>
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