How (budget fleet sales) to Adopt a Child from Thailand

March 2nd, 2010 admin Posted in business |

By Joel Booker

1. Prospective adoptive parent(s) obtain official DSDW application forms (these forms may be obtained from DSDW or from one of the above NGOs). These forms elicit biographic, health, and financial information about the prospective adoptive parent(s).

2. Prospective adoptive parent(s) engage an adoption agency or child welfare organization licensed by their state of U.S. residence to perform a home study (this agency must also be recognized by DSDW–a list of recognized agencies is available from DSDW).

3. The licensed agency or organization in the United States assembles the application forms and supporting documents for submission to DSDW. The application must be accompanied by the following:

Completed home study - All home studies MUST be conducted or endorsed by one of the agencies approved by the DSDW. Therefore, home studies conducted by a non-DSDW agency (eg home studies done for the I-600A procedure) must obtain an endorsement from a DSDW approved agency agreeing to supervise the pre-adoption placement.

Confirmation Statement - the adoption agency supervising the pre-adoption placement must confirm that after the adoption is finalized under Thai law, it will also be legalized under the laws of the applicant’s state of residence, as applicable.

Formal Commitment Statement - If the prospective adopting parents reside in Thailand, DSDW’s social workers will conduct three bi-monthly home visits and supervise the pre-adoption placement of the child. If and when DSDW is satisfied with the pre-adoption placement, DSDW reports their finding to the Child Adoption Board (CAB) who will in turn approve the child for adoption. If the prospective adopting parents do not reside in Thailand, the U.S. licensed adoption agency must formally commit to supervise a pre-adoption placement of at least six months and conduct at least three bi-monthly progress reports will be provided to DSDW.

Medical Certificate - verifying good physical health, mental stability, and infertility (if applicable) for prospective adoptive parent(s)

Birth Certificate(s) - for parent(s), for both if married

Marriage Certificate

Proof of Termination of Previous Marriages - death certificate of spouse or divorce decree

Proof of Occupation and Income - letter from employer

Complete Financial Statement - indicating all assets and liabilities

Recommendations from Two Responsible Persons

Current License of Involved Adoption Agency

Photographs of (both if married) Prospective Adoptive Parent(s) - (4 each), 4.5 cm x 6 cm, and of their children (if applicable)

Statement from USCIS or Consular Officer confirming that the child to be adopted will be the beneficiary of an immigrant visa. (NOTE: for U.S. citizens who reside in Thailand, the Consular Section’s visa unit will provide a letter to this effect. For U.S. citizens who do not reside in Thailand, evidence of an approved I-600A or I-600 petition is sufficient.)

If the prospective parent(s) reside in the United States, all the above-listed documents must be authenticated or “verified” by the Thai Embassy or one of the Thai consulates in the U.S. All documents must be in English or Thai. Any documents not in English or Thai must be accompanied by English or Thai translations.

4. If the above documentation is acceptable, DSDW (or one of the four NGOs listed earlier in this flyer) matches the prospective adoptive parent(s) with a child. The prospective parent(s) are provided with photos and information about the background and health condition of the child. (NOTE: DSDW reserves the right to review and investigate matches made by the NGOs.)

5. The prospective adoptive parent(s) must advise DSDW whether they wish to proceed with the adoption of the proposed child. The application will then be given to the Child Adoption Board (CAB) for review. If the Child Adoption Board agrees to the suitability of the prospective adoptive parent(s) for pre-adoption placement of the child, the case is referred to the Minister of Social Development and Human Security for official authorization. (NOTE: Steps 4 and 5 together frequently take six months to one year to complete.)

6. When the pre-adoption placement is approved, a definite appointment is made by DSDW (or one of the NGOs) for the prospective parent(s) to be interviewed by the Child Adoption Board. The meeting with the Board is essentially a formality. If married, both prospective adoptive parents must attend this meeting. (NOTE: The waiting period for such an appointment may be as long as three months, depending on the CAB’s schedule.)

7. DSDW will issue documents necessary for the child’s travel, including a Thai passport. These documents will normally be issued on the same day as the meeting with the Board. The parent(s) will also receive the child on the same day. (NOTE: Occasionally issuance of documents takes longer. DSDW advises adoptive parents to plan to stay in Thailand for approximately two weeks total.) Parent(s) adopting from Thailand for a second time may request that a DSDW social worker escort the child to the United States instead of appearing before the Child Adoption Board as outlined below. All costs of such travel by the escort are the responsibility of the adoptive parent(s).

At this point, the parent(s) will be eligible to apply for a U.S. orphan immigrant visa per instructions below. However, the Thai adoption will not be complete until the following steps have occurred:

When the prospective adoptive parent(s) have returned to the U.S. with the child and at least three bi-monthly reports on the pre-adoption placement have been submitted to DSDW, DSDW will refer the case to the Child Adoption Board for approval of final adoption under Thai law.

The adoptive parent(s) have to register the adoption under Thai law within six months of notification of finalization by the Board. This can be done at the Thai Embassy or Consulates in the United States. (Please note that at this point, the adoptive parents will have to take their child to their local USCIS office to finalize the visa and citizenship procedures for their child.)

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Trading in a Bear Market

By Raul Levine

When stocks are bullish - that is, when prices of the stock market in a steady rise - it is pretty easy for anyone to make money on Wall Street. Studies have any shown that in certain kinds of easy-money markets, novices did just as well as pros when it came to picking hot stocks and reaping fast profits. But the veterans of the stock market game say that the real test comes when there is a bear market and stocks fall into a general slump. Those who can make money under those conditions will gain the respect of even the most seasoned investors. But to do it requires patience, research, and discipline.

Picking the right stock for the economic climate is not impossible, however. One way to get a handle on which stocks will perform best during a bear market is to look at the overall picture of how the stock market behaves. Usually bull markets are periods that also see a strong manufacturing sector. Houses are built, cars are manufactured, and goods like appliances and clothes fly off the shelves. The companies that make and sell those consumer products do well, and those who buy their stock to share in that success drive stock prices higher. But when the party is over and inflation kicks in, we begin to budget our money. Sales volume declines, and many factory workers find themselves out of work as consumer demand slackens. As wages stagnate, so do purchases of high priced items like cars and homes, and this helps to accelerate the decline of the stock market.

But those who buy stocks that perform well even in this kind of economic recession - the stocks known as “recession-proof” stocks - can usually do relatively well, even during sluggish bear markets. Which stocks continue to reward shareholders in a recession? Generally speaking, those that are tied to fundamental basic necessities of life. We may not buy designer jeans and sports cars during a bear market, but we still buy heating oil and we still use electricity to light our offices and homes. So utility company stocks generally fare well during bear markets, as do companies that sell other basic commodities like gasoline. Gold and silver and other precious metals are also a good choice for a difficult stock market season, because when people are nervous about the future of the economy, they tend to invest in things of universal value, like gold. It provides a sense of security, because if all else fails to attract consumers, gold will still glitter and be considered an item of special value and significance. And if you buy gold before the bear market sets in, you can probably sell it for a profit once the demand for it increases.

In summary, stocks that provide a sense of stability and security through ownership of those basic necessities of life are usually a good place to invest during a bear market. And buying stocks whose prices have fallen to bargain basement prices is also a smart strategy. Many perfectly good stocks with underlying value and strong earnings get dumped when people pull their investments away from the stock market en masse. Those who are patient can buy these at wholesale or below wholesale prices, and then watch their purchases rise in value once others realize that these stocks are good buys. When the stock market begins to climb again, those stocks that are undervalued will rise quickly and you will be left holding winners that you bought at deeply discounted prices.

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A Look at Store Credit Cards

By Raul Levine

The number of people with one or more credit cards has grown at an unbelievable rate in recent years. Like the mobile phone, the credit card has become a way of life for many people, something they’d be lost without.

The offer of a store card for your favourite store can be tempting and may offer opening discounts, invitations to special events (encouraging you to spend money in the store, of course) and the familiar “If you take out the card today, you’ll get 10% off your purchases. It won’t take very long; we can fill the form in now. You may as well take advantage of the offer and get your discount at least.” You know how it goes and yes, there are some things you’d like and the discount is worth thinking about. Before you know what’s happening, you’re giving details of your current account etc., etc., etc.

It’s a familiar scenario. Over 40% of people who sign up in this way had no intention of doing so when they entered the store, according to the Office of Fair Trading, and yet they may well make a major purchase.

This isn’t a problem if you have the money available to clear the balance within the interest free period, which can be from 35 to 55 days, in most cases. However, if you’re unable to meet this time-limit you need to be aware that the interest on the outstanding balance can soon mount up.

The Consumer Credit card act sets down regulations for any loan under 25,000. Whether or not a total overhaul of these rules is necessary is under consideration.

Data provider Moneyfacts provide some enlightening information regarding the variation in store cards interest rates. John Lewis, which includes Waitrose, has an APR of 13% and Marks & Spencer offer 18.9%, whereas Debenhams and Comets Timecard are currently charging 28% and 29.9% respectively.

Before you sign up to one of these cards, take time to consider:

The discount may be a good deal and if there is a purchase that you are seriously considering anyway and you have the money to fund the purchase within the interest free period.

What is the APR rate on this offer? How much will you be charged on the remaining balance?

There may be an interest free period. How long does this last and when it ends, what rate will be charged?

Payment Protection Insurance will be offered. Check how much this is going to cost and what benefits are offered. This is an option but could prove a blessing under some circumstances, such as illness or redundancy. Read the agreement carefully to find out more.

Remember that you’ll need to budget carefully for store card purchases - it’s easy to overspend.

You don’t need to sign there and then. Take the agreement away and check everything, including the interest free period, APR, default and late payment penalties. Ask questions until you’re satisfied you fully understand everything.

The Office of Fair Trading endorses the above advice. They also advise that you compare the store card with other payment methods.

Don’t be hassled into taking out a card you don’t want by some pushy person who doesn’t really care whether or not you’re getting what’s right for you, as long as they get their commission for signing you up!

Remember, as with credit cards, the statements come in monthly. Keep track of your spending. Credit cards with low APR’s are, in general, a better deal than store cards, according to the majority of financial experts.

Take care and weigh up all the options.

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