Monday, June 20, 2011

quotes about courage

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  • garybanz
    11-29 05:11 PM
    No need to fill another form.

    Thank you!





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  • maximus777
    08-04 11:51 PM
    what a timeless masterpiece!!!
    gives me goosebumps everytime i listen to this!!!

    Couldnt agree with you more - absolute magic from ghalib





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  • nozerd
    04-13 12:53 PM
    Its 42.30 RS/ $ on www.xe.com

    This is what happens when you spend $ 4 billion a month on just the Iraq war.

    Doesnt help with all the wages going to India to pay workers for outsourced jobs.





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  • redcard
    02-19 12:49 PM
    Do you know how much more the premium would be for this product compared to regular term? I am guessing a lot more. In that case whole life is better where the cash value generated would pay much more after 30 years based on a low 5.5 - 6% estimated annual return. But of course it is for folks who will stay in US at least 15 years+ because after 15 yeras the Cash Value could itself pay for the permium and you do not have to pay any more premuims unless you wish to boost the Cash Value further.

    Its not a lot more.. about $200 more per year.. ... but atleast you get back all your money..



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  • hopein07
    02-19 04:43 PM
    Cash Surrender Value
    The sum of money an insurance company will pay to the policyholder or annuity holder in the event his or her policy is voluntarily terminated before its maturity or the insured event occurs. This cash value is the savings component of most permanent life insurance policies, particularly whole life insurance policies. Also known as "cash value", "surrender value" and "policyholder's equity".

    Notes:
    Cash surrender value applies to the savings element of whole life insurance policies that are payable before death. However, during the early years of a whole life insurance policy, the savings portion brings very little return compared to the premiums paid.

    You are correct when you look at early years only. But for the longer term whole life is better. Yes for short term Whole life can be very bad.
    Read the pros and cons on the NY State website at the end.
    http://www.ins.state.ny.us/que_top10/que_life_who.htm

    Pros:

    Predictable, in most cases premiums are fixed for the life of the insured.
    The beneficiaries receive the death benefit no matter when the insured dies, as long as premiums were paid.
    The policy may build up cash value, which grows tax deferred.
    If you surrender the policy at a later date, the cash value, if any, will be returned to you.
    If you stop making premium payments you can receive the cash value or use that cash value to provide a paid up insurance benefit. The company must provide either extended term insurance coverage or reduced paid paid-up coverage. While it is not required that both options be offered many companies do make both available.

    Cons:

    A more complex product than term life insurance.
    Higher premiums than term life insurance.
    Could be costly if coverage lapses early. (You don't want to cancel early and if you are not sure then never take Whole Life. If you are planning for long term only then take Whole life)





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  • zzsbzz
    07-10 11:31 PM
    Does it really matter who the messenger is as long as the message gets through?



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  • sri1309
    05-09 09:37 AM
    Best way to get more immigrants to participate in advocacy efforts by immigrationvoice.org for legal immigration is by communicating to international student organizations of various universities around virginia, maryland, washingtondc,west virginia north and south carolina. Arranging busses for the students is not a bad idea. Students once convinced why they need change in current immigration reforms for employment base legal immigrants will participate in huge numbers to attend the advocacy efforts done by immigrationvoice.org as they have more time in hand

    Good idea, I already passed this info to 10 universities with my contacts.





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  • msyedy
    05-14 09:44 AM
    I would only say "Hang On", or move on if you can. A lot of people in same situations, never want to discuss issues openly.
    Patience does help, and maybe all the good is stored for future.

    Most important is how you deal with stress associated with racial slurs, difference in treatment, and all the above issues. This has direct impact on health and many people in these conditions are victims of stress.

    The h1b - GC situation is well known to everyone and they know you are indentured, some managers are called problem solvers (they pretend to hear ur voice, help you from their side and get the work done and try to ease pressure off you if they have an option), whereas some managers are called problem creators (they add additional pressure on you and make u miserable so that they get the work done). The reason companies support their American workers who involve in racial slurs is to avoid issues. It is easy to kick you out and blame you rather than catering to ur problem.

    I agree with you totally. Being patient is a good way to take this. I have seen this happening at my work place too. But until we get GC we have to learn to handle this. We are 16 desi's in my company and my managers says that many "co-workers" are jealous as it seems that we are taking their jobs
    etc.
    I hope this CIR passes and I get EAD and I shall try to leave as soon as possible.



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  • mihird
    09-15 10:28 AM
    Its very interesting to read about people�s different perspective about same thing we are all after.. lets ask ourselves.. honestly why we do want GC and I am sure we all would have multiple reasons for this in our subconscious but would not like to bring it to forefront because it would only undermine our own ability to fight it or make life more stressful.. but end of the day we all want this card.. for me I want it mainly for security and peace of mind�lets look at the different situations.. these might be extreme but we all might have thought about these situations atleast at some point in the recent past� .. and especially the people in the seventh year

    1. You are in your seventh year� and you loose you job�.what is the first thought that comes to your mind.. I got to pack and leave .. pack your home of seven years and all your possessions you collected, in two suitcases of 50lbs each and leave�forget the Flat Screen TV,, forget all the electronics and the two cars you love ... just list them in craigslist �

    2. You have home which you bought with so much pride�what do you do? ..List it.. make a desperate sale in this falling market.. loose a ton of money and leave�and don't even talk about all the silk plants..floor lamps.. the furnishing,, they are for the yard sale on the Saturday..

    3. You have child whom you love and have plans for them.. love the school.. are an active member in the PTA � all of sudden what you do.. pull them out of school, move them from the only culture and the country they have known the only President they know is Bush and the only national anthem they have learnt is "The Star-Spangled Banner"�to another place where they don�t even understand the language forget the culture, national anthem etc..

    4. Think about your spouse.. they have adopted themselves to this lifestyle.. probably felt lonely when you moved here 7 years but now like it.. its time for them to move back�why because your don�t have a GC

    5. Forget the Golf and Tennis you enjoy so much here �it was all a very good dream..

    1. You are educated.. have a masters, have a professional degree.. but have been in the same position and department because of your long wait for GC, what happens� the fresh college graduate or the dumb blond who joined two years back and whom you taught how to log into the network is now your peer and you are still on the same desk doing the same job getting the 2% raise and working even more hard..so that you can keep you job..with a new dumb boss.. who thinks you are so dumb that you have been in the same job for so long time..
    2. All your batchmates are doing great..some of them are now sweating to be VP�s having risen by changing jobs �. You are still years away from that situation.. what do you do.. stop attending alumni meets and envy the mails in your yahoo groups from people..
    3. Seven years in US.. you have made your professional contacts.. and have a social network.. in which you invested your time and effort.. loose your job in the seventh year.. and all these contacts are nothing but an occasional international long distance call in future..

    Last but not the least� flight back home to your country is not going to be as smooth as the flight to US was seven years back.. back home look for a job..learn the whole new professional culture �and then set up a new home,,new school for kids�.why because we could not get a GC.. which was not in our control.. and because some stupid insane guy sitting in cave 10K miles away decided to terrorize the people in America in 2001.. and make life difficult for all the people..including people in H1...

    We might all go back to our home country one day.. but the ride back home would be much more pleasant and happier of a choice we made and not because we did not get a GC�

    Good Luck and lets keep up the effort... :)

    First and foremost, if you lose a job, it doesn't matter what your immigration status, life is going to become difficult for you and your dependents.

    I lost my job in the 7th year of H1 but since I had well researched and planned for that scenerio before entering into the 7th year, I am still here in a new job with an anticipated 3 year extension from 2007-2010.

    If a lobor from your previous job has been pending for more than 365 days, you are able to port the benefit of the 7+ year extensions to the new job. This will let you survive the 7th year job loss.

    Likewise there is a "best possible" solution to all the hardships that you have listed above and that "best possible" solution will vary from person to person and hardship to hardship.

    Life takes planning, no matter what your immigration status.

    My friend who is an EB GC holder just sold his house and took a $40000 loss. Bad planning on his part. Purchased the house at the wrong time and sold it at the wrong time too.

    Since he sold his house, he is forced to move and so his kids schooling is distrubed too.

    Its been 3 months he has moved to his apartment and his other half doesn't like the apartment lifestyle after having lived in a house for a year.

    Did his GC help in all this???

    Compare that to me, I am not a GC holder.

    I am sitting on $240,000 equity in my house for which I have no plans to sell.

    I too was forced to move due to a recent 7th year H1 job loss, and miss my boating trips to the lake near my old house. My new job is a 100 miles away from my house so I decided to do weekend commutes to the old house, and still manage to hit the lake every weekend.

    My better half also didn't want to move in an apartment due to my new job. Good enough, we leveraged the equity in our 1st house & higher income from the new job to buy a 2nd house near the new job site.

    Did my not having the GC hurt???

    GC or H1 didn't matter, good planning is what has helped me, and bad planning is what doomed my friend...





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  • planets
    04-19 08:14 AM
    Somebody knew already....

    Obama to hold meeting on immigration reform | AP Texas News | Chron.com - Houston Chronicle (http://www.chron.com/disp/story.mpl/ap/tx/7527577.html)



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  • axp817
    06-10 08:02 PM
    Actually very true. I for one have held off on buying a gun (though my wife highly disapproves of guns) simply because I dont have a GC and dont want any hassles. Besides I live in Chicago which has a ban on guns. Ironic that the maximum killings and drive by shootings happen maybe 30-40 blocks from where I live but the city doesnt allow legal law-abiding residents to own guns.

    It isn't an outright ban. Chicago doesn't allow concealed carry, and requires guns to be registered, but you can own guns. Yes, the process for legally owning a gun in Chicago I understand is very tedious (sad, I know), but not impossible. Much like NYC.





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  • sargon
    03-31 01:25 PM
    Real movement will come in the last 3 months of this financial year (july, aug, sep bulletins).



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  • Caliber
    04-02 12:27 PM
    PS : I work with one of best semiconductor companies in world and earn decent salary .
    All GULTIs , start giving me red and i don't give a** for that.

    I understand the pain of dependents. My son is also will be aging out.

    Ability to work comes from EAD which would come from filing of 485. July 2007 filing was pushed mainly by IV and only then other organizations have pushed for it. I hope you are aware of this. 2 year EAD is IV's achievement.

    All this happenned due to IV members and dedicated IV core. The president of this site IV is not a GULTI, but an Indian who donated about 60,000.00 US dollars. Yes, US $ 60K. He is also just like you and me. Never thought of divisions among immigrants: Neither Indian, Chinese, Philippines nor any origin. We have members from all over the world. The majority unfortunately is from India due to severe retrogression.

    Had president of IV not donated 60,000.00, majority of us would still be struggling for spouse to work.

    Please read IV's goals. Then you can comment whatever you want. Without funds, nothing can be moved. We have to lobby. That is the only option we have. IV core is also like you and me with normal jobs. They can not fly to DC every week or month for lobbying.

    Please think before posting some thing.

    I am not part of core, but have symtahies on them for doing a THANKLESS job for every one's good.





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  • tikka
    07-06 11:16 AM
    http://digg.com/politics/Reversal_Frustrates_Green_Card_Applicants
    http://digg.com/politics/U_S_Withdraws_Offer_of_60_000_Job_Based_Visas_Ange ring_Immigration_Lawyer
    http://digg.com/politics/No_July_4th_Celebrations_for_Highly_Skilled_Future _Americans

    http://digg.com/politics/Rep_Lofgren_Issues_Statement_on_Updated_Visa_Bulle tin

    http://digg.com/politics/USCIS_Visa_scandal



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  • SGP
    12-31 06:46 AM
    AmitKhare77... apparently, the job title and job responsibilities have to be same as whats on labor until we get GC. otherwise no promotion.
    SGP.... you made my day ! As I did not want to ruin my friends's mood on on new year's eve, I was planning on dropping new year party plans and stay back home.... but your post just put life back into me...
    one more qn - after I change to Company B, what happens if Company A revokes I-140 ?

    No problem my friend. You are welcome. I am glad I was able to help you.
    Company A CANNOT revoke approved I-140. I have checked this with 3 to 4 attorneys & also with Gurus on this forum. Only the USCIS has the authority to cancel the approved I-140, if it detects that it was obtained fraudulently.
    One more suggestion, ask company B to file your H1 with Premium processing. Once you get H1 approval then submit resignation to Company A.

    Enjoy the party Bud. Have a drink on me!:p;). Wishing You and Yours Happy New Year.

    If you will be benefited by �I-485 filing without current priority Date�, please vote YES on the Poll.
    Then please send an email to ivcoordinator@gmail.com with subject - "I485 filing without current PD - Impacted Member". Include your 1) IV username 2) Email address 3) Ph#, 4) State of Residence so that grassroot efforts can be coordinated. Please refer to the first post on the thread and use the flier,talk to your friends/colleagues to spread the message.We need all members to get involved.





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  • chris
    11-08 12:28 PM
    msgs like this help establish the notion that this is an indian website dedicated to indian immigration issues. I didnt see any post wishing happy Eid/ Eid Mubarak nor did I notice last year that anyone wished a Merry Christmas/ Happy Holidays, nor do we wish our Chinese friends a Happy Chinese New Year.


    WISHING YOU AND YOUR FAMILY
    A VERY HAPPY DIWALI AND
    A PROSPEROUS NEW YEAR!!!:)

    Diwali is not only for indians, for everyone.

    Victory on evil.

    Evils are every where not only in India.



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  • langagadu
    01-14 08:15 AM
    That is funny.

    Guys who are not from India, 'albert pinto ko gussa kyun aata hain?' is a Indian movie from 80's.

    ko gussa kyun aata hain?





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  • eager_immi
    07-19 05:04 PM
    Nope ur PD has to be current for them to process your AOS and Aug is already unavialable so there is no way they will process ur paperwork. Also I think within 60 days of AOS you can add spouse. You should talk to a lawyer and not use other people's judgement to decide to file or not to file. But, will there be a scenario where my AOS gets approved before my PD is current AGAIN? That is what I am afraid of.





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  • sbabunle
    09-22 06:57 PM
    called today





    dilipb
    06-23 04:03 PM
    And always send via USPS express mail. (1 day costed me $18) but I came to know instantly the next day that they received it.
    You could also use some cheaper USPS option. as long as it has some delivery confirmation.
    The reason I like express mail one day, is because u can request a copy of the receiver's signature via email (comes in a PDF). This is proof that USCIS really got it and u can then sleep nicely for the next 3 months.
    Ha Ha.





    grupak
    03-18 10:06 AM
    oh yeah ...well atleast it helped someone. btw did you get your $2.00 payout :-) from bear stearns. the problem comes when senior members have the my way or the high way attitude. and for ordinary folks like us the "My way" attitude is not producing any visible results. and I guess since you are out of work now since BS is no longer there --can you come up with a better approach ??

    albertpinto, "Senior Members" are just ordinary members like everybody else except they have posted more than 100 times. IV has an agenda and list of action items, and we all members need to actively participate. The outcome no body can guarantee because there are so many political interests and people pulling and pushing the immigration debate everywhere. However, the more we keep on pressing for our needs and educating the general population and the lawmakers about our situation, the more likely we will get help.

    Its not like the IV core has things written on stone. They do listen to ordinary members like us but there isn't enough resources to engage in every "good idea". They best way to participate is through state chapters, and let the IV core know through the state chapters. At the end, we need volunteers to do the things we want to do.



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