hopein07
02-20 10:54 AM
I think what Godbless bought was Universal Life Insurance policy where the Company invests in Mutual funds etc. but that has lots of finance charges and hidden costs. Traditional Whole Life on the other hand has no such thing because by law the company can only buy bonds, govt securities and Mortgages only. Hence the return on Traditional Whole Life policies is low (5-6%) but they are safe and do not have hidden charges and infact insure you at a fixed cost for whole life hence the premium never changes and policy cost to the insured remains fixed while the cash value is an added incentive for the long term. It's like putting money in bank and earning some interest but having a life coverage at the same time for not just 20-30 yrs but uptil 98 years of age. I have a few family members who are insurance agents and they always recommend Traditional Whole Life if you have good income and patience to stay long. For all other folks Term is the best but note that when you retire at 60+ and have built immovable assets then to cover the risk for them you need to have some Life insurance policy and getting Term at that age is like walking on fire. Nobody gives Term after 65+ and even if they do so then the premium is very very hefty which can be a good turnoff.
So, it all depends on your priorities and situation. 95% of US Citizens / PRs with above average asset values & income buy Traditional Whole Life policy because they are living longer and working longer and building assets well into their 60+. Term provides good & cheap coverage for young people but only for max 30 years period. After 60 + people are in soup again without Traditional Whole Life coverage.
So, it all depends on your priorities and situation. 95% of US Citizens / PRs with above average asset values & income buy Traditional Whole Life policy because they are living longer and working longer and building assets well into their 60+. Term provides good & cheap coverage for young people but only for max 30 years period. After 60 + people are in soup again without Traditional Whole Life coverage.
wallpaper look good when the races
youfool
07-20 01:30 PM
PD EB2 July 2003
Reached on July2nd
Reached on July2nd
vedicman
03-09 11:57 AM
Waiting for VB, Predicting dates of VB is a passive activity.
Register for Advocacy Days (http://immigrationvoice.org/index.php?option=com_content&task=view&id=80&Itemid=36) and actually be the voice for the change each of us want and needs to solve our issues! Be active!
158 members and guest viewing this thread.
7 members and guest viewing the advocacy thread.
Even the people predicting the threads know that the dates will not move (or move significantly), yet we indulge in the waiting and predicting as opposed to taking action.
Register for Advocacy Days (http://immigrationvoice.org/index.php?option=com_content&task=view&id=80&Itemid=36) and actually be the voice for the change each of us want and needs to solve our issues! Be active!
158 members and guest viewing this thread.
7 members and guest viewing the advocacy thread.
Even the people predicting the threads know that the dates will not move (or move significantly), yet we indulge in the waiting and predicting as opposed to taking action.
2011 a new look
GotGC??
04-26 04:11 PM
Pardon my ignorance, but what exactly is "K Street" and what is its relevance?
Thanks to all members of IV who have made it possible for our voice to be heard! Keep up the good work!:)
Thanks to all members of IV who have made it possible for our voice to be heard! Keep up the good work!:)
more...
psaxena
10-01 08:09 PM
Even I was thinking on the same lines and discussing with my friends. My son travel with us using PIO. But I was thinking to apply for the OCI.
Now the question is Pros and cons of OCI on PIO.
With OCI pro is
- one can live in India as long as he wants.
- Donot have to pay NRI fees in the school and colleges.
Cons -
Indian law will be applicable, means something happens US government won't do anything.
Rest of the NRI rules are applicable, no right to vote, limitation on kind of investments
Guys this is all I know, put more together so that everyone of us in the similar situation can make a decision.
Now the question is Pros and cons of OCI on PIO.
With OCI pro is
- one can live in India as long as he wants.
- Donot have to pay NRI fees in the school and colleges.
Cons -
Indian law will be applicable, means something happens US government won't do anything.
Rest of the NRI rules are applicable, no right to vote, limitation on kind of investments
Guys this is all I know, put more together so that everyone of us in the similar situation can make a decision.
NolaIndian32
05-29 01:55 PM
Weldonsprings, you might be mistaken about the UAFA bill which is up for a vote on June 3, 2009. The intent of the UAFA is to allow US Citizens and permanent residents to sponsor their foreign-born partners for permanent residency by means of demonstrating a "permanent partnership". Let me re-emphasize, this bill is geared primarily for the LGBT Community of which I am a proud member, so if you are supporting this bill, my thanks to you.
[QUOTE=WeldonSprings;343823]That is correct! The bills in the house and senate coming up for discussion does not mention visa re-capture. However, Please look at the titles-don't they sound the same. The contents are different. The content of S.424 is to give permanent residents the same STATUS as US citizens so that they can sponsor their wives, parents, brothers, sisters and doggies...So an amendment is necessary. That's why I have written in the original post-
[QUOTE=WeldonSprings;343823]That is correct! The bills in the house and senate coming up for discussion does not mention visa re-capture. However, Please look at the titles-don't they sound the same. The contents are different. The content of S.424 is to give permanent residents the same STATUS as US citizens so that they can sponsor their wives, parents, brothers, sisters and doggies...So an amendment is necessary. That's why I have written in the original post-
more...
seeker
05-24 08:16 AM
Bad for consulting companies (no H1B; may lose job)
Bad for physicians (no H1B for medical residents; no provisions for NIW...terrible)
Bad for H1b transfers and extensions (severe restrictive provisions on H1B)
AC 21 repealed (disastrous)
Bad for pending I 140 .... left in limbo
Bad for pending LC .... left in complete limbo
Bad for retrogressed.... backlog will increase phenomenally 'cos of decreased visa numbers
This bill is a massive attack on us; we should put all our efforts to oppose and kill the bill. There is little chance that we can get amendments to reverse the potential damage that this bill can do... that is disaster for us.
Bad for physicians (no H1B for medical residents; no provisions for NIW...terrible)
Bad for H1b transfers and extensions (severe restrictive provisions on H1B)
AC 21 repealed (disastrous)
Bad for pending I 140 .... left in limbo
Bad for pending LC .... left in complete limbo
Bad for retrogressed.... backlog will increase phenomenally 'cos of decreased visa numbers
This bill is a massive attack on us; we should put all our efforts to oppose and kill the bill. There is little chance that we can get amendments to reverse the potential damage that this bill can do... that is disaster for us.
2010 Did You Ever Have Braces?
srisra
01-21 02:22 PM
i am getting frustrated to see the bulletin everymonth and it never moves.
people applied in 2006 got their GCs. one of collegue ROW got when applied in 2007.
dont know whom to blame. why cant they understand our problems.
r they least bothered.
my PD is oct 2003-EB3
people applied in 2006 got their GCs. one of collegue ROW got when applied in 2007.
dont know whom to blame. why cant they understand our problems.
r they least bothered.
my PD is oct 2003-EB3
more...
GCKaMaara
01-13 02:51 PM
Slow movement as expected. Hope dates move faster in the months ahead.
Hey Pappu,
What happened to your cool Avatar?
Hey Pappu,
What happened to your cool Avatar?
hair The “races” are a series of
stillhopefull
08-27 04:42 PM
not sure if it is too late, but I just sent to Sen. Warner and Sen. Webb of Virginia.
Thanks!
Thanks!
more...
ivdude
10-02 02:34 PM
You are correct. The rules must have changed recently. I wonder what made them make that change, Now children of US citizens (who were once Indian citizens) have an advantage over children who has both parents as Indian citizens. Weird.. isn't it?
Damn..even our own Indian govt discriminates :( . Kids of parents with Indian passport are suspicious..
Damn..even our own Indian govt discriminates :( . Kids of parents with Indian passport are suspicious..
hot new look to her uncles.
Caliber
04-01 03:12 PM
Thanks a lot Praveen and Amit. Hope your action will motivate others too.
God bless you.
God bless you.
more...
house awwww look at my teeth
gsc999
09-25 09:15 PM
I agree with both the ideas.
In fact the idea of the banner with 'Waiting for X years' is fantastic ..
That would be an amazing sight where everyone holds placards that say since when they have been waiting.
If it's even 400 people .. we have 400 people saying look we've been waiting since 5,7 or 9 years.
It's also important to get in heavyweights like either local folks like Google HR head or any public face. Google has always supported the Immigration issues .. since they have problems because they couldn't hire folks when the h1 lottery happenned.
--
vivache,
Thanks for the good ideas.
Can you PM me your ph# so we can chat. It would be great if you can take on this action item of organizing rally at the company campus you work for, it is pretty respectable company and I know this because I cover the semiconductor space. I think your example will inspire others to conduct a similar event at their campuses.
Please let me know what help you need from me.
In fact the idea of the banner with 'Waiting for X years' is fantastic ..
That would be an amazing sight where everyone holds placards that say since when they have been waiting.
If it's even 400 people .. we have 400 people saying look we've been waiting since 5,7 or 9 years.
It's also important to get in heavyweights like either local folks like Google HR head or any public face. Google has always supported the Immigration issues .. since they have problems because they couldn't hire folks when the h1 lottery happenned.
--
vivache,
Thanks for the good ideas.
Can you PM me your ph# so we can chat. It would be great if you can take on this action item of organizing rally at the company campus you work for, it is pretty respectable company and I know this because I cover the semiconductor space. I think your example will inspire others to conduct a similar event at their campuses.
Please let me know what help you need from me.
tattoo races
eager_immi
07-18 03:50 PM
Send her application in the day ur PD becomes current (it may take many years unless congress passes some law) it is highly unlikely that they will approve ur application in one day. PD is Mar 2005
EB is EB3.
I-140 applied in Mar 13, 2007 (not approved yet).
Appreciate your help
gc101.
EB is EB3.
I-140 applied in Mar 13, 2007 (not approved yet).
Appreciate your help
gc101.
more...
pictures A quick look at her work
guyfromsg
08-30 10:16 PM
Is this renewal, delay etc..affect the Auto insurance renewal if that's also expiring at the same time?
dresses How Do You Do Makeup When You
Jaime
09-22 08:13 PM
This is an actual drain stopper....feel familiar???
more...
makeup That girl used to look in the
vedicman
03-09 11:57 AM
Waiting for VB, Predicting dates of VB is a passive activity.
Register for Advocacy Days (http://immigrationvoice.org/index.php?option=com_content&task=view&id=80&Itemid=36) and actually be the voice for the change each of us want and needs to solve our issues! Be active!
158 members and guest viewing this thread.
7 members and guest viewing the advocacy thread.
Even the people predicting the threads know that the dates will not move (or move significantly), yet we indulge in the waiting and predicting as opposed to taking action.
Register for Advocacy Days (http://immigrationvoice.org/index.php?option=com_content&task=view&id=80&Itemid=36) and actually be the voice for the change each of us want and needs to solve our issues! Be active!
158 members and guest viewing this thread.
7 members and guest viewing the advocacy thread.
Even the people predicting the threads know that the dates will not move (or move significantly), yet we indulge in the waiting and predicting as opposed to taking action.
girlfriend trying to look as good as
sandeep_1
08-18 02:09 PM
I filed for EAD extention from NSC on June 12th. My EAD expires on sept 12th. I also faxed to expedite the filiing, but to no-avail.
On the side note, I met Immigration officer via infoPass appointment and it did not helped either. He suggested to send a snail-mail to see if that helps.
As of writing this post, my status is still pending.
On the side note, I met Immigration officer via infoPass appointment and it did not helped either. He suggested to send a snail-mail to see if that helps.
As of writing this post, my status is still pending.
hairstyles He#39;s always good for a laugh,
sri1309
03-17 03:38 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.
Good one, but we must include EB2, and the points must be like the ones I listed in my thead "lets write to Ms. Zoe etc". Its dead now just after 3 days.. Thanks guys to kill it, W'll wake it up,. else someone pls do..
This thread appears to divide EB2 and 3 from India.
Greenkard!
you..can use that content.. We must keep writing.
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.
Good one, but we must include EB2, and the points must be like the ones I listed in my thead "lets write to Ms. Zoe etc". Its dead now just after 3 days.. Thanks guys to kill it, W'll wake it up,. else someone pls do..
This thread appears to divide EB2 and 3 from India.
Greenkard!
you..can use that content.. We must keep writing.
chanduv23
11-08 12:04 PM
As usual you twisted my point to make it out that I dont have any "cultural values," as you define it.
I think chandu and paskal in their subsequent msgs got my point exactly that we should promote happy <festival> of all regions/traditions rather than focusing on the majority one.
That would promote IV's agenda rather than distract from it.
Its people like you with your misguided "cultural values" that are the cause of problems around the world. You are like the Indian version of ALIPAC.
BharatPremi is my "IV person of the Day" - I see a lot of energy in his posts, and yes yabadaba, everyone must loosen up a bit, and look at the positive in every message.
BharatPremi's response was also appropriate and was a stronger version of our responses :)
I think chandu and paskal in their subsequent msgs got my point exactly that we should promote happy <festival> of all regions/traditions rather than focusing on the majority one.
That would promote IV's agenda rather than distract from it.
Its people like you with your misguided "cultural values" that are the cause of problems around the world. You are like the Indian version of ALIPAC.
BharatPremi is my "IV person of the Day" - I see a lot of energy in his posts, and yes yabadaba, everyone must loosen up a bit, and look at the positive in every message.
BharatPremi's response was also appropriate and was a stronger version of our responses :)
walking_dude
12-17 10:50 AM
It's sad to see that IV core has to repeat the same stuff over and over again, to answer folks who never get tired of recycling their already answered questions !
I agree, this cycle of repeatition needs to be broken. IV Core please post this as a FAQ and post the link whenever this question is repeated ( RTFAQ - Read The FAQ).
IV Core did experiment with $20 contributions based on member feedback. Apparently that didn't work. $50 is apparently working better than $20, so IV is sticking to it. Members should use the energy spent on arguing with IV core to contributing to the cause instead.
I'm a monthly contributor as well as done onetime Google and PayPal contributions. Contributing onetime through PayPal isn't tough at all as it's made to sound here.
1) Login to PayPal
2) Click on Send Payment
3) Type in IV merchant id - donations@immigrationvoice.org. You need to do it only first time! Second time onwards it's available in a dropdown!
4) Type in the amount and comment to IV
5) Submit payment.
6) Done!
If it's so easy, who do some feel it so hard?! Real answer is some feel it real hard to part with their money for any cause besides their own instant gratification as someone honestly confessed.
Now this something IV cannot cure !
I agree, this cycle of repeatition needs to be broken. IV Core please post this as a FAQ and post the link whenever this question is repeated ( RTFAQ - Read The FAQ).
IV Core did experiment with $20 contributions based on member feedback. Apparently that didn't work. $50 is apparently working better than $20, so IV is sticking to it. Members should use the energy spent on arguing with IV core to contributing to the cause instead.
I'm a monthly contributor as well as done onetime Google and PayPal contributions. Contributing onetime through PayPal isn't tough at all as it's made to sound here.
1) Login to PayPal
2) Click on Send Payment
3) Type in IV merchant id - donations@immigrationvoice.org. You need to do it only first time! Second time onwards it's available in a dropdown!
4) Type in the amount and comment to IV
5) Submit payment.
6) Done!
If it's so easy, who do some feel it so hard?! Real answer is some feel it real hard to part with their money for any cause besides their own instant gratification as someone honestly confessed.
Now this something IV cannot cure !
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