Thursday, June 16, 2011

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  • sledge_hammer
    07-15 07:58 AM
    hopein07,

    Many people that buy term insurance are not paying more premium so that the savings between term and whole can be invested in equities. This is the norm in the US. In India it is true that ALL your assets "could" end up in real estate. So for a person that intends to live here until old age will have cash and or equities. Financial planners reccommend term because one would need the coverage until a major mile stone in life is reached - paying off home mortgage, children completing college education, etc.

    I have done some research and MOST financial planners suggest to get term insurance. They say not to mix insurance with investment. Statistically, if you buy whole life, the rate of return is negligible because so much is eaten away in fee and admin charges.

    The only issue here is that Term will cover you till the age of 60-65 if you get 20-30 year fixed rate policy. But if you still have immovable assets at age 65, which you surely will, that you need protected for your dependents then you will not have any coverage at all because Term will last only its stated duration. If saving/investing during young age is the objective then Term is good, no doubt, because it's cheap and covers you from risk during young working years. But I guess no company gives Whole Life on H1 so there's not any other option.





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  • logiclife
    07-09 11:37 AM
    The flower campaign is apparently working as far as the attention the issue is getting.

    If we can manage to send at least 500-700 flowers to USCIS, that will create the kind of attention we want and it will bring the issue of retrogression again on the forefront in Washington DC.

    PLEASE PLEASE send the flowers to USCIS director Emilio Gonzalez. For details on sending, address and the message on the message card, read this thread :

    http://immigrationvoice.org/forum/showthread.php?t=6191

    Thanks.





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  • imm_pro
    01-14 12:38 PM
    Man this looks too good to be true..





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  • nixstor
    10-12 01:45 PM
    [QUOTE=nelsonagn]"So who ever were able to sneak in under that category, will get their GC."

    Not if they are the 50,001st they won't.

    -> I am totally with you on that. I am sure pmpforgc and bluekayal filed way ahead of the 50K limit.

    Only 50,000 Schedule A's will be approved. Any who submitted I-485s above that number will have to be approved under another category.

    -> I was refering to people who have filed in Jul of Aug of this year under Schedule A. Do you think that their 485 will be frozen as well? I dont think so. I know a PT who filed hers in Aug. I will ask her what USCIS is gonna say.

    Just because someone submits an I-485 when a category is available does not mean they are guaranteed to see it through to end.

    -> So what you are saying is, If a person whose EB2 PD is Jun 02 files 485 by the end of this month and lets say EB2 retrogresses to Apr 02 after 5 months from now, his/her application will be left at that point. So an Analyst will basically check if the PD is current every time they take up the file.

    How ever, I doubt thats the same with Schedule A as it is a one time category. They will mark the 1st 50K apps into schedule A and give the overflow back to the applications for reg processing.

    Remember that when Sched A started, those who were already in the system (in EB2 or 3) were switched to that category, if their petition was considered Schedule A.

    -> Sure, lot of nurses and PT's might have jumped into Schedule A from EB3 and as you said all of those applications from 50,001 will go into EB3. I mean nurses and PT's. Who ever filed under Schedule A EB2 will go to EB2.

    USCIS will just as easily switch those left to another category when the 50K are used up.

    Your earlier statemement that 'once you have a receipt number your I-485 will either be approved or denied' is also misleading. Mere issuance of a receipt does not guarantee continuous processing unless until the cut-off for that category is later that your PD (and yes, even those who don't go thru LC have a PD: it's their I-140 RD). If not, your I-485 just sits.

    -> My understanding of PD's being current is you can file for 485 and can get some decision sooner or later. I am not aware of the fact that 485 processing becomes stop and go as PD for that category oscillates back and forth.

    That's what retrogression does: it takes I-485s already in the system and freezes them.

    -> may be you are right. How ever my post wasnt intended to mislead any one. I felt that the 2 members who filed in Jul and Aug under Schedule A should be fine.

    So what do you think will happen to these folks who have filed for 485 when Schedule A is removed from the VB? Does that mean that their PD's have become current? From what you are saying, all the unadjuciated 485's filed on after the cutoff date in VB (in this case 10/05 for schedule A as of now ) will not be processed and will be freezed. What will happen to the 765/131 that were filed along with the 485?



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  • hebron
    07-01 09:53 AM
    Obama speech here..
    CNN.com Live (http://www.cnn.com/video/flashLive/live.html?stream=stream1&hpt=T1)





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  • ita
    09-29 10:40 PM
    My PD is current for almost a year and Name check is cleared in July 2008.

    No soft or hard LUD's sofar. :mad:

    Chris- how did you find out your NC has been cleared?

    Thank you.



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  • paskal
    12-17 09:44 AM
    even though you personally have been told this numerous times.
    sometimes the sign of "smartness" is to adapt arguments to presented facts not keep repeating yourself sir!

    decreasing to 20/mth does NOT increase the number of contributors proportionately and make up for funds. there is a small increase but many 50/mth people also switch to the lower amount (why should i if other's don't?- see your own example- you could have continued 20/mth- your ego that the option was closed to new people made you switch of entirely)
    also many of the 20/mth contributors only notionally join up, they cancel the payments soon enough. the net results is a very poor flow of funds. i don't know how much more explicitly i can explain this.

    you have the option of paypal to contribute smaller amounts. but you want the convenience too...lots of take...little give.
    today the total recurring contribution barely funds our basic needs let alone lobbying. the fact is that if people don't step up, we can all shut down and go home. then let's stew with 1/1/00 or 2001 dates and wonder if someone will help us in the altruistic mode. or maybe you can then step up and give 20/mth again at that point? :)
    as you well know the motivation to proactively do something is not high in our community. everyone states their own reasons- the result however is poor participation. you are of course aware that members miss the rally because they were sightseeing in the DC area...

    as for the guy with 0 contributions...you know rajesh...everyone starts like that...this guys has spent a long time like that...maybe too long...but that's his personal deal. he can give a lower amount by paypal...he just can't make himself give at all. whatever, i'm not passing judgements actually- i'm pointing out to you as one who has been around- that it does NOT deserve a promotion star. if giving nothing deserves it, you might as well not be here, we might all as well leave too. because there is no free lunch...or dont you know that by now?

    it would be nice for a change to see a senior member like you take proactive initiatives and help with the real job of convincing congress to provide relief rather than spend time constantly quibbling over donation amounts and repeating ad nauseum how you stopped your 20/mnth contribution because the option was closed to new contributors...we know already...
    frankly we could do with a different contribution for once.

    btw thanks much to all those who contributed in the recent drive, your help is much appreciated by everyone. please consider a recurring contribution. i know that on the face of it 50 sounds a lot, but think about it as one family meal/movie given up in a month for a cause that's very important to you....





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  • somegchuh
    05-14 12:55 PM
    I think this is a very interesting topic. Neelima's story is about an American citizen of Indian origin. Since, she is an american she can choose to go to courts whereas we are non-immigrants with very few rights. If you are facing abuse at workplace the only solution for an H1B worker is to change jobs.

    That having been said, this highlights a very important aspect of the american society (or rather any culture) in general. You can become a US citizen but unless you are a european (read caucasian) immigrant you will become a hyphenated american. You can spend all your life in US and you will still be referred to as Indo-American/Asian-American at various points in your life. Some of it will be generic comments, some of it will be racist. Infact, you will always face more harassment from your fellow countrymen (e.g. desi consulting/desi manager) in US than from americans. An industrialist from Punjab visiting US gave me a fine example of this. He said, we employ 75% labor from UP/Bihar because they are cheaper and subservient. We make one of them the foreman and he's the one responsible for getting the work done. The same thing happens in US, the first line managers are Indians and so are the tech employees. [Off course, some of the Indians have risen to great positions on the corporate ladder and that is a testimony to both their abiliity and the general open-mindedness of american people.]

    The choice is yours. Do you want to enjoy the wealth of this great country and tolerate occassional racism or do you want to be in your own land and be not as well off?

    On a lighter note, as far as curry smell is concerned, I have heard goray complain about curries, Indians complain about how chinese ppl stink up the kitchen when they heat food. None of the smells are offensive, ppl just aren't used to those smells.



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  • WithoutGCAmigo
    06-18 10:56 AM
    https://egov.uscis.gov/cris/jsps/Processtimes.jsp?SeviceCenter=NSC

    Where have your read that?





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  • gc28262
    01-14 10:04 PM
    Lets get serious NOW.. I just read one post from one of our dear buddies in change.gov thread that voting is possible now on http://citizensbriefingbook.change.gov.
    Please register and vote positively, . Once logged in, search for immigration. AND vote for all the issues that are relevant for us. EB2 and EB3.. Vote for Legal immigrants.



    Done !



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  • Marphad
    03-17 03:21 PM
    Thanks for inputs in the forums.

    EB3-India cannot be discriminated.
    Anyone in EB3 after 2-3 years waiting is qualified under EB2-I. And we see people waiting for much more. How can we be discriminated then. We have to do something.

    We are able to get very good number of people with like minds in Edison, NJ and other big cities with big concentration. We are planning to start a drive against this discrimination, in about 2-3 weeks from now. We would like to write to the honorable policitians and processing centers like Texas and others and to USCIS to treat all fairly.

    1. EB3 India cannot be treated unfairly, wheras EB3-China is much ahead. Why is this.
    2. EB2-India is Feb 2004, wheras EB3 India is Nov 2001 for many years. Why is this.
    3. Why are allowing family immigration when skilled immigrants are waiting.
    4. Why should greencards be counted head-wise, whereas H visas are not.
    5. On the whole, why backlogs and punishing us.

    These are the lines in which our group plan to drive this.,send more ideas.

    For this we need money and more impo'ly efforts, so please contribute smartly as we request below.
    We have teams in all major software hubs like NJ, DC, Livermore, CA, TX, Detroit, and and will need volunteers. We will soon come up with a yahoogroup to communicate.

    We plan to send 10,000 letters and other awareness programs letters to the concerned people.
    We plan to have our small booths in temples where many people will come.
    We will print all the letters, you just need to buy the stamp from us and mail it.
    Or give us an envelope with the 42c stamp. We need about 5-10 from you all.. So its will be $5.00 per head. That way there will be no quesiton of transparency. But if you want to donate more, you are welcome, instead we will prefer you put your efforts in creating strenghr and pass the word.
    We cannot keep quite like this. There is no reason why EB3-India will move forward in current situations and with current rules.
    We know EB2 will be upset, but based on your contribution, we can fight together, else we will go alone. EB3 is big enough to go by itself.

    We plan to wear white dress with white caps.. for peace.. So we can be easily spotted. Give us a envelopes and stamps.. or we will give you addresses to send and the document.. As you wish...Or buy the stamps from us and take the printed content from us in free envelopes.

    We want to do this as IV right?

    Sorry for my ignorance but just curious, why exactly this guy is banned?





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  • kavas
    04-03 12:58 PM
    Core Members
    You are all doing A Commedable and selfless job.We thank you for that irrespective of the outcome in the senate.

    Please dont even respond to any negative comments.Simply delete the ones you find inappropriate.You are doing a big job and dont need such diversions.



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  • hebron
    04-21 07:26 PM
    Yes, my Bachelor and Master's are in same/related discipline. I think you can use any education evaluator but make sure that are aware of Indian Education System. We have responded to the RFE. I will post the outcome for the benefit for all.

    Thank you very much!





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  • singhsa3
    10-25 03:07 PM
    Sure, the next step is
    " All lines in this route are busy , please dial after sometime"

    Hi,
    I have sumbitted my I-140,I-485 on Oct10 2007 in the category of EB1.
    Today my check is encashed.
    can anyone say what r the next steps...?



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  • hopein07
    02-19 03:53 PM
    Folks,
    whole life has surrender charges apart from hefty financial charges ,so you can not withdraw when you want.



    I think you got into a wrong kind of policy. You have to ask these questions with agent before taking it.





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  • needhelp!
    04-02 01:24 PM
    Seems as though every time there is a funding drive there are always people who come with questions that have been answered so many times before. It almost seems that these inflammatory posts are deliberate. All the answers to such questions are already on the forums and it takes less time to search than to post.



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  • nonimmi
    09-05 04:40 PM
    Those who are using EAD have to use AP, as H1 is no longer valid!! This whole correct/incorrect thing is useless as these rules were made when AOS processing time was less than a year. People with older PD who dont expect to get GC in coming 2-3 years and already working using EAD have to use AP. This was even the case when H1 used to be valid for six year only and once someone got EAD/AP they were using it happily during 2004-2005.





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  • belmontboy
    03-15 11:40 PM
    By the way is it you who gave red...:mad:

    No. I don't have any reason to give you red for this post.





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  • arunmurthy
    09-14 02:30 AM
    Nope, I am with you :)......

    PD: Nov. 10th, 2005
    Escrow Closing Date: Oct 20th, 2005!!!!

    I still own and live in the house :)


    I think it is a stupidity to own a house while working. Dont join the rat race.
    One should start a business and have some source of income that can pay
    for mortgage than budgetting within your monthly salary.
    Dont give me reds but I know that is the smarter way.





    neamoni
    05-21 12:58 PM
    Thank you gc_kaavaali and lskreddy for "lending your eyes"!





    sayantan76
    09-22 09:54 AM
    First it wasn't 1000, we had over 2000 people registered and many joined after or did not register. So please don't say 1000, it is extremely painful for everyone who attended to be considered as "not counted".

    1. Politically having a rally in D.C makes it more visible for all the law makers there. Laws/amendments and all the political activity happens there. Rallies else where would make it to one or two news cycle but won't be remembered after wards.

    2. Meeting lawmakers, staff from various constituents wrapped around an event like a rally helps a lot in getting the message across. It raises a lot of awareness.

    3. I would have agreed with you that numbers like 100,000 matters, but after being there and seeing the amazing capabilities of IV to organize meetings and having members meet over 100+ meetings with law makers, staff, talking to to them, sharing personal stories, advertisement and media campaigns around D.C has convinced me that it has and will make a difference! Personally for me, it was an eye opener on how the system works and I totally understood exactly why IV leaders set it up this way just by being around and them for a few days!
    First it wasn't 1000, we had over 2000 people registered and many joined after or did not register. So please don't say 1000, it is extremely painful for everyone who attended to be considered as "not counted".

    Agreed - but as far as the larger public is concerned......if washington post, a local dc mainstream newspaper, says it was 1,000 - the number in public mind is 1,000 (though 10,000 might have participated.....and when lawmakers set their priorities - all they are concerned about is ........


    ok - 1,000 folks (none of them voters) are asking me for a comprehensive employment based GC reform......which is a pain in the .......!!

    2,000 excited parents (85% of them registered voters) are asking for a new ice skating rink at a local school or residents of a neighborhood (again 65% voters, accounting for immigrants among residents) want a new station on commuter rail line or a new bus route or whatever......all of them easy to achieve.......

    and the lawmaker wonders over a cup of decaf latte - what should i focus on......??? to him/ her - the choice is obvious.....and if it is not obvious to us........we should take a reality check.....

    It would be a different thing - if 100,000 people do a silent lunch time gathering within the campuses of a revered american company like Cisco or Msoft.......with organizational blessings......people would sit up and listen.....

    Personally, I did not attend the DC event because I was travelling on business and to me my perceived benefit (maybe wrong) of rally was not worth postponing an important business trip.......on the other hand if one day it so transpires that this rally was the historic starting point of major immigration reforms triggered by a group of pioneering individuals - i would have no choice but to eat my words and hang my head in shame that i did not attend.............



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