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.
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.
wallpaper black-white-red-wedding-cake-
abhijitp
08-22 02:27 PM
If there is an answer, it is closer to Franklin's estimate of 7 years than to 3 years!
Well said Franklin, it is getting harder & harder not to attend the rally:)
Aadimanav, please attend the rally if you aren't already planning to.
As someone has said...
Attending the DC rally... even a caveman (Aadimanav) can do it... no offense... just kidding buddy:)
Go here and submit your vote
http://immigrationvoice.org/forum/showthread.php?t=12441
Thanks
Well said Franklin, it is getting harder & harder not to attend the rally:)
Aadimanav, please attend the rally if you aren't already planning to.
As someone has said...
Attending the DC rally... even a caveman (Aadimanav) can do it... no offense... just kidding buddy:)
Go here and submit your vote
http://immigrationvoice.org/forum/showthread.php?t=12441
Thanks
n_2006
06-25 02:11 PM
H1 was approved some time last year and H1B started from 10/1/2006.
Can employee start working without SSN? My wife received H1 approval around Oct 2006 and we applied for SSN in Nov 2006. We received it by end of Feb 2007. From March 07 we got pay stubs.
People who switched from F2/H4 to H1 can consider their SSN application time as valid status. Right?
Can employee start working without SSN? My wife received H1 approval around Oct 2006 and we applied for SSN in Nov 2006. We received it by end of Feb 2007. From March 07 we got pay stubs.
People who switched from F2/H4 to H1 can consider their SSN application time as valid status. Right?
2011 Timeless red and white wedding
sledge_hammer
04-15 10:32 AM
What a jerk your desi employer is. It makes me so angry that these scumbags are getting away doing these things.
First things first - deliver the baby. Take some of the suggestions given here by other members regarding insurance.
Once all this is done sue the hell out of your desi employer. There really isn't anything (I guess) you can do about your client. But you can definitely take your desi employer to court for terminating your employment. These guys deserve to pay a hefty fine and lose their business license!
Yesterday, I was told by the client that my project is going to end by this month end i.e Apr 30. Actually it was supposed to go for the next 2 years. I am currently in the project working for the project. They said the lay off was becoz of budget issues. But I see I am the only one that is target in this lay-off. I am working with the same client for the past 3 years. The lay off news was really shocking and devastating.
I am currently 9 months pregnant. As the client did that to me, I thought that atleast I might have some options with my current employer. My employer is a desi consultancy. I never been on Bench for single day for the Past 6 years ( Day 1 that I entered into US to till now).
When I spoke to my employer today he gave me a termination letter stating that my project end date will be my last date with them. It was more shocking. I will be on maternity leave anytime in month of may depending on the delivery. I don't see any possible options that any client can take me into project when I am in 9th month of pregnancy.
As my husband is doing consulting, I filed the green card thru this employer, 485 is pending more than 180 days, 140 approved in EB2 category. We paid all the attorney fees and filing fees from our pocket. We spent nearly $10,000 for the GC process. My husband was on bench for the past 2 months. He got a job on EAD which is going to start next week.
1. I see that my employer is terminating me immediately because he can avoid maternity expenses. I told him that I will take 3 months FMLA for unpaid maternity leave from Apr 30th. And look for the Job immediately after delivery and get into the Job. But still he is telling he won't provide me that time. Maintaining the status is very important for me as me and my husband depends on the EAD.
2.My medical insurance is with my employer, If I get laid off in this critical situation, I won't be having insurance. We can't afford the delivery expenses without insurance.
3. Even though my husband will get insurance with the new company, We are not sure that company will cover the pre-existing pregnancy that is in final stages.
4. And also not sure that the insurance will be under the network of OBG/YN and the hospital I registered for delivery. His job is in different state but he will find out the options once he starts his job next week.
5. Does anyone think that my employer is discriminating the law? He is terminating me immediately becoz I am pregnant.
I am not sure whether he is doing the right thing but the situation I am in is the worst situation I ever expected of. Its lot of stress on me and my baby. We are unable to sleep for hour with all the tensions ahead. My husband's job is dependent on my valid status. If something screw up we both be in very bad situation. I really don't want any one in my situation.
Please help me, if any one know any options where I can maintain my status during the pregnancy and maternity leave, Please tell me.
First things first - deliver the baby. Take some of the suggestions given here by other members regarding insurance.
Once all this is done sue the hell out of your desi employer. There really isn't anything (I guess) you can do about your client. But you can definitely take your desi employer to court for terminating your employment. These guys deserve to pay a hefty fine and lose their business license!
Yesterday, I was told by the client that my project is going to end by this month end i.e Apr 30. Actually it was supposed to go for the next 2 years. I am currently in the project working for the project. They said the lay off was becoz of budget issues. But I see I am the only one that is target in this lay-off. I am working with the same client for the past 3 years. The lay off news was really shocking and devastating.
I am currently 9 months pregnant. As the client did that to me, I thought that atleast I might have some options with my current employer. My employer is a desi consultancy. I never been on Bench for single day for the Past 6 years ( Day 1 that I entered into US to till now).
When I spoke to my employer today he gave me a termination letter stating that my project end date will be my last date with them. It was more shocking. I will be on maternity leave anytime in month of may depending on the delivery. I don't see any possible options that any client can take me into project when I am in 9th month of pregnancy.
As my husband is doing consulting, I filed the green card thru this employer, 485 is pending more than 180 days, 140 approved in EB2 category. We paid all the attorney fees and filing fees from our pocket. We spent nearly $10,000 for the GC process. My husband was on bench for the past 2 months. He got a job on EAD which is going to start next week.
1. I see that my employer is terminating me immediately because he can avoid maternity expenses. I told him that I will take 3 months FMLA for unpaid maternity leave from Apr 30th. And look for the Job immediately after delivery and get into the Job. But still he is telling he won't provide me that time. Maintaining the status is very important for me as me and my husband depends on the EAD.
2.My medical insurance is with my employer, If I get laid off in this critical situation, I won't be having insurance. We can't afford the delivery expenses without insurance.
3. Even though my husband will get insurance with the new company, We are not sure that company will cover the pre-existing pregnancy that is in final stages.
4. And also not sure that the insurance will be under the network of OBG/YN and the hospital I registered for delivery. His job is in different state but he will find out the options once he starts his job next week.
5. Does anyone think that my employer is discriminating the law? He is terminating me immediately becoz I am pregnant.
I am not sure whether he is doing the right thing but the situation I am in is the worst situation I ever expected of. Its lot of stress on me and my baby. We are unable to sleep for hour with all the tensions ahead. My husband's job is dependent on my valid status. If something screw up we both be in very bad situation. I really don't want any one in my situation.
Please help me, if any one know any options where I can maintain my status during the pregnancy and maternity leave, Please tell me.
more...
mrsahaayam
03-15 09:20 PM
Gurus,
Need your valuable advice on this serious issue. Involved in shoplifting case, got arrested and plead guilty. Served the community service, and paid fine. Got the �Court Disposition Document� which states that I am all clear. My status is I-485 pending and have EAD, AP documents.
1. Is it safe to travel to India and come back on AP?
2. What are the possible chances that visa officer may not let me into the USA?
3. Do I need to carry any letters from my criminal attorney explaining the situation?
4. Any one in similar situation, please update me on this?
5. Please list of documents I need to carry during my travel
Please reply and post your valuable opinions/suggestions/advices.
Appreciate all your inputs.
Have a nice day!!!
Thank you,
Sahaayam.
Need your valuable advice on this serious issue. Involved in shoplifting case, got arrested and plead guilty. Served the community service, and paid fine. Got the �Court Disposition Document� which states that I am all clear. My status is I-485 pending and have EAD, AP documents.
1. Is it safe to travel to India and come back on AP?
2. What are the possible chances that visa officer may not let me into the USA?
3. Do I need to carry any letters from my criminal attorney explaining the situation?
4. Any one in similar situation, please update me on this?
5. Please list of documents I need to carry during my travel
Please reply and post your valuable opinions/suggestions/advices.
Appreciate all your inputs.
Have a nice day!!!
Thank you,
Sahaayam.
raj3078
07-18 12:59 PM
Raj3078/anybody,
Let's say, I am not able to do that. But, do you suspect that they might APPROVE my 485 BEFORE my PD gets current? If they don't then, I am in no trouble, isn't that right? If they don't approve, then, I can add her into AOS when my PD gets current again assuming I don't file for EAD (I won't - I like my employer for now).
gc101.
My company lawyer addressed this part. The way it works is that they will work on your file only when your PD is current. So even if you apply now, they most likely wont work on it after July as your PD wont be current. Then when next time (say in Jan 2008) when your PD becomes current, they will pick up all the files for that month and start working on it. It might be that they will work on your file on Jan1st or Jan 31st. You can send your wife AOS the moment your PD becomes current. So you want to make sure that it reaches there before they approve your AOS. In case you are extremely unlucky, then they would start working on your file on 1st day of the month and finish it before end of that day, making it impossible for your wife's application to go through. Thats rare though. So if you can make sure that her app reaches on 1st day of the month in which PD is current, then they should most likely add her to your AOS and work on those together and make your life go forward....its a chance which you will be taking...But again life is a chance
Let's say, I am not able to do that. But, do you suspect that they might APPROVE my 485 BEFORE my PD gets current? If they don't then, I am in no trouble, isn't that right? If they don't approve, then, I can add her into AOS when my PD gets current again assuming I don't file for EAD (I won't - I like my employer for now).
gc101.
My company lawyer addressed this part. The way it works is that they will work on your file only when your PD is current. So even if you apply now, they most likely wont work on it after July as your PD wont be current. Then when next time (say in Jan 2008) when your PD becomes current, they will pick up all the files for that month and start working on it. It might be that they will work on your file on Jan1st or Jan 31st. You can send your wife AOS the moment your PD becomes current. So you want to make sure that it reaches there before they approve your AOS. In case you are extremely unlucky, then they would start working on your file on 1st day of the month and finish it before end of that day, making it impossible for your wife's application to go through. Thats rare though. So if you can make sure that her app reaches on 1st day of the month in which PD is current, then they should most likely add her to your AOS and work on those together and make your life go forward....its a chance which you will be taking...But again life is a chance
more...
gc_in_30_yrs
08-22 09:51 AM
I am not able to find the form needs to be submitted for this purpose. Is there any format that I can type and submit them?
I found that I need to send my request to the following address :
United States Citizenship and Immigration Services
--------------------------------------------------
Magda S. Ortiz, Director
FOIA/PA Program
111 Massachusetts Avenue, N.W., 4th Floor
ULLICO Buiding
Washington, D.C. 20529
telephone number: (202) 272-8269
fax number: (202) 272-8331
Thanks in advance.
I found that I need to send my request to the following address :
United States Citizenship and Immigration Services
--------------------------------------------------
Magda S. Ortiz, Director
FOIA/PA Program
111 Massachusetts Avenue, N.W., 4th Floor
ULLICO Buiding
Washington, D.C. 20529
telephone number: (202) 272-8269
fax number: (202) 272-8331
Thanks in advance.
2010 Need Ideas for Navy, Red,
GCVictim
07-31 06:54 PM
EB1- U (Always)
EB2- Sep 2010
EB3-Sep 2010
EB2- Sep 2010
EB3-Sep 2010
more...
gg123
05-09 08:37 AM
Hello Pappu,
Fantsatic news. I think we have to unite for this big event - this is the BEST time to get our voice heard. If illegal immigrants are voicing why not We? Most of us are here for atleast close to TEN years and contributed for this economy. PERIOD.
Pappu, I will definetly be there for atleast one day.
Sorry for noting this... To some of our folks -
Forget about EB2 / EB3 - ego... (Sorry to quote this if anybody wants to challenge me on this we can have a separte discussion).
Fantsatic news. I think we have to unite for this big event - this is the BEST time to get our voice heard. If illegal immigrants are voicing why not We? Most of us are here for atleast close to TEN years and contributed for this economy. PERIOD.
Pappu, I will definetly be there for atleast one day.
Sorry for noting this... To some of our folks -
Forget about EB2 / EB3 - ego... (Sorry to quote this if anybody wants to challenge me on this we can have a separte discussion).
hair Red
walking_dude
03-18 10:56 AM
The, few, motivated members like me who do take time off to visit Congressmen offices - do make all the points written down by you and some more. Our issue isn't that we are short of ideas or points. We have them in plenty. I assure you that I have raised these issues and made these points in every meeting that I have had so far.
Our issue is shortage of volunteers ready to visit Congressmen offices and making these points. It's highly critical that IV members keep visiting these lawmaker offices in small groups on a continuing basis (one group after another) to keep up the pressure and convince them of the genuineness and the breadth of our problem.
It would help our cause immensely if members did actually meet the lawmakers and made these points themselves, instead of expecting the few motivated members to act like a postman between them and the lawmakers. If lawmakers saw a larger number of members approaching them with the same points, it will make a better impact than a group of three which approaches them one in a while. It would help your cause as well as ours, if members did take initiative, set up meetings, and participated in these activities organized by state chapters in greater numbers
o.k. I agree. This was my suggestion - whenever core or senior or motivated members meet congressmen or other important people - he/she can just add this comment(in addition to whatever else they want to say) -
---------
Sir/Madam,
we represent the legal immigrant community. we believe that around 300K legal immigrants would contribute more to the US if something was done to take care of the inefficiencies and the long delays at USCIS. many of us have put on hold important decisions like buying houses, cars etc because of the uncertainities in the legal immigration process ..if something steps were taken to give the legal community ( like multiple year EAD's, less wastage of visa / visa recapture etc etc etc) ...then we can communicate the same to our members and this would help everyone etc etc etc. and maybe add the point that due to excessive delays and uncertainities (and the uncaring attitude of USCIS ..driver license issues etc) many skilled immi end up migrating to other countries which are more welcoming like canada, australia etc
---------------
I dont see how the above can hurt ?? maybe we need to write the above in a better way ...BTW even greenspan earlier had said that the problem in housing was an excess inventory of about 200 to 300 k house..ofcourse we cannot solve the present problems which is beyond everyone ..our aim is just to get more stability with multiple year EAD or faster GC's
Our issue is shortage of volunteers ready to visit Congressmen offices and making these points. It's highly critical that IV members keep visiting these lawmaker offices in small groups on a continuing basis (one group after another) to keep up the pressure and convince them of the genuineness and the breadth of our problem.
It would help our cause immensely if members did actually meet the lawmakers and made these points themselves, instead of expecting the few motivated members to act like a postman between them and the lawmakers. If lawmakers saw a larger number of members approaching them with the same points, it will make a better impact than a group of three which approaches them one in a while. It would help your cause as well as ours, if members did take initiative, set up meetings, and participated in these activities organized by state chapters in greater numbers
o.k. I agree. This was my suggestion - whenever core or senior or motivated members meet congressmen or other important people - he/she can just add this comment(in addition to whatever else they want to say) -
---------
Sir/Madam,
we represent the legal immigrant community. we believe that around 300K legal immigrants would contribute more to the US if something was done to take care of the inefficiencies and the long delays at USCIS. many of us have put on hold important decisions like buying houses, cars etc because of the uncertainities in the legal immigration process ..if something steps were taken to give the legal community ( like multiple year EAD's, less wastage of visa / visa recapture etc etc etc) ...then we can communicate the same to our members and this would help everyone etc etc etc. and maybe add the point that due to excessive delays and uncertainities (and the uncaring attitude of USCIS ..driver license issues etc) many skilled immi end up migrating to other countries which are more welcoming like canada, australia etc
---------------
I dont see how the above can hurt ?? maybe we need to write the above in a better way ...BTW even greenspan earlier had said that the problem in housing was an excess inventory of about 200 to 300 k house..ofcourse we cannot solve the present problems which is beyond everyone ..our aim is just to get more stability with multiple year EAD or faster GC's
more...
indyanguy
09-22 04:09 PM
Had called last time.. Called again.. Hope they stay long enough without recess to discuss this bill tomorrow !!!! :mad:
hot of red and white wedding.
BharatPremi
12-12 01:10 AM
Except for 8 & 9..what do they mean?
8: Very complex subject but simple definition: process of organizing in a way that is strategically effective -- i.e., promotes the broad goals of the organization.
9. Be watch dog.You have to spy your enemy/oponent ( In our case oponent is much suitable word):)
8: Very complex subject but simple definition: process of organizing in a way that is strategically effective -- i.e., promotes the broad goals of the organization.
9. Be watch dog.You have to spy your enemy/oponent ( In our case oponent is much suitable word):)
more...
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raj1998
05-06 10:38 AM
I don't think USCIS takes into consideration whether the MS is full time / Part time / distance learning. On the degree certificates no University mention's if the program was full time or online. Also i don't think USCIS goes by the reputation of university. As far as Accreditation is concerned please check with education evaluators they might be of help but then again I don't think USCIS looks for accredited programs. I say so because there are lot of local schools which are not accredited but have good reputations locally.
As far as career growth is concerned after MS that's a separate topic altogether..
As far as career growth is concerned after MS that's a separate topic altogether..
tattoo Red and White Magnolia Rose
sunny1000
10-05 01:55 PM
no that makes no sense. There is absolutely no need to mention illegals in that paragraph where they are talking about high-skilled immigrants. There is no one (well except Bernie Sanders and Tom Tancredo) who is against high-skilled immigrants. Hard to find a line against our cause, so they lump in a line about illegals? Thats plain stupid.
I got your point and that of logiclife's and I agree....there is no need for them to mention the illegals (a cheap attempt on the part of WSJ). I was merely pointing out that WSJ technically does not say that we (high tech workers) are illegal.
I got your point and that of logiclife's and I agree....there is no need for them to mention the illegals (a cheap attempt on the part of WSJ). I was merely pointing out that WSJ technically does not say that we (high tech workers) are illegal.
more...
pictures Red Wedding Ideas from
a_yaja
08-16 08:21 AM
Shirish has a very valid point. I think it should be six months after I-485 application as pointed in AC21.
I think the 6 months period should be counted fron the RD on the RN for you I-485, else AC21 and this " propoganda" contadict each other.
If you get your GC with in 6months from the RD then stay untill you finish 6 months (this is very unlikely to happen as it takes lot more than 6 months)
If you get the GC after 6 months i think you are fine.
AC21 applies only if your GC has not been approved. You cannont invoke AC21 after your GC has been approved.
I think the 6 months period should be counted fron the RD on the RN for you I-485, else AC21 and this " propoganda" contadict each other.
If you get your GC with in 6months from the RD then stay untill you finish 6 months (this is very unlikely to happen as it takes lot more than 6 months)
If you get the GC after 6 months i think you are fine.
AC21 applies only if your GC has not been approved. You cannont invoke AC21 after your GC has been approved.
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yebo123
05-02 06:01 PM
Great ideas in this thread :D. How about purchasing the nation of Mumbambo mentioned in the following news report:
http://www.theonion.com/content/video/nation_of_andorra_not_in_africa
http://www.theonion.com/content/video/nation_of_andorra_not_in_africa
more...
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lacrossegc
07-20 06:03 PM
Whenever an attempt to increase visa numbers is made a budget point of order can usually be made. So, you will need 60 votes to amend the law.
"Before every one starts to bash Hillary : this is what someone on IV posted regarding Senate floor Amendment 2339... and now it sort of makes sense:"
Not really. Senators voted against this because they opposed the underlying amendment. The Democratic opposition stems from the facts that the amendment proposed to re-capture from all categories and then re-distribute accordingly to a Republican preference. For instance EB-3, numbers re-captured didn't all go to EB-3. The amendment gave 61,000 to Schedule A and then re-distributed the rest equally.
A much fairer, simpler and permanent solution is to simply rollover the unused numbers to next years numbers.
"Before every one starts to bash Hillary : this is what someone on IV posted regarding Senate floor Amendment 2339... and now it sort of makes sense:"
Not really. Senators voted against this because they opposed the underlying amendment. The Democratic opposition stems from the facts that the amendment proposed to re-capture from all categories and then re-distribute accordingly to a Republican preference. For instance EB-3, numbers re-captured didn't all go to EB-3. The amendment gave 61,000 to Schedule A and then re-distributed the rest equally.
A much fairer, simpler and permanent solution is to simply rollover the unused numbers to next years numbers.
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PlainSpeak
04-19 07:23 PM
Obama did not lie
But Obama said CHANGE !!!
And now that is all that is left in my Pocket
But Obama said CHANGE !!!
And now that is all that is left in my Pocket
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gdhiren
07-06 02:30 PM
Just a hypothetical question, if AILF withdrew from a lawsuit, then waht?
Dude, have faith. Think about the mass involved here, with a small contributin from everyone or even without there are many law firms which would be interested in filing lawsuits on our behalf.
Dude, have faith. Think about the mass involved here, with a small contributin from everyone or even without there are many law firms which would be interested in filing lawsuits on our behalf.
bkarnik
06-13 03:18 PM
pg. 53:
"There will be severe consequences from rapid fluctuations in priority dates. If the priority date became current today, due to delayed USCIS processing and thus underutilization of visa numbers, some have predicted that within a few months as many as 500,000 to 750,000 individuals now residing in the United States under a temporary worker visa could apply for a green card. Additionally, DOL�s recent backlog elimination efforts, scheduled to be completed by September 30, 2007, are predicted to add 70,000 or more approved labor certifications yielding as many as 170,000 additional green card applications. As USCIS begins to complete these applications and request visa numbers from DOS, the 140,000 statutorily authorized visa numbers will be used. DOS then will be required to retrogress priority dates. Consequently, most applicants in this scenario will find themselves trapped where as they anticipated timely receipt of a green card, their wait exceeds seven or more years. In addition, all future employment-based green card applicants effectively would be barred from applying for many years."
"There will be severe consequences from rapid fluctuations in priority dates. If the priority date became current today, due to delayed USCIS processing and thus underutilization of visa numbers, some have predicted that within a few months as many as 500,000 to 750,000 individuals now residing in the United States under a temporary worker visa could apply for a green card. Additionally, DOL�s recent backlog elimination efforts, scheduled to be completed by September 30, 2007, are predicted to add 70,000 or more approved labor certifications yielding as many as 170,000 additional green card applications. As USCIS begins to complete these applications and request visa numbers from DOS, the 140,000 statutorily authorized visa numbers will be used. DOS then will be required to retrogress priority dates. Consequently, most applicants in this scenario will find themselves trapped where as they anticipated timely receipt of a green card, their wait exceeds seven or more years. In addition, all future employment-based green card applicants effectively would be barred from applying for many years."
la6470
03-10 09:31 AM
Because I guess most of us dont mind going back to our native country anymore..either we are too old now or US is doing far worse than ever before and our native countries are doing far better.....