Dhundhun
01-27 11:11 AM
However, if we do not refinance by the end of 15 years then the house becomes a bad investment and the returns go down.
Very good point mentioned.
Charak says (In Sanskrit): Rinam Kritwa Ghritam Piwet ...
Meaning is: Borrow money to drink milk butter (it is a symbol of buying of the material things). As long as you live, live happily.
American system works in such a way that, if one does not remain in home loan, he/she is a big looser. On 30 years loan, one should take equity out of home between 12-15 years, so that again home is 70-80% financed. The equity money taken can be invested in stock for maximizing gains.
Usually a home is put to remains in 70-80 % loan for maximum tax benefit - most of the homes are like that. So when stock goes down and home prices go down by 20%, most of the houses come underwater.
The moment a home comes underwater or nearing it, refinancing is not possible.
===
Further, you buy a home or a car, it is owned by bank. In fact, when I bought a new car on paying 100% to big Toyata Dealer, still the car was put on loan with banker. After 5-6 days it was fully transfered to me (although I did not pay anything for car being on loan). - The system work like that - One of the largest Toyta Dealer in bay area has no system in place, in which I could buy a car by paying 100% directly. 100% payment did not made me full owner of car from day 1.
===
Most of Asian countries work in opposit way - everything on cash. There are no (or may be very few) policies providing returns on loan. I have experience of buying two home in India - on loan - paying full - and selling. Also in India I bought four cars and sold them.
===
Things are different here. I was under tremendous pressure from friends to buy instead of renting. In last posting I provided info. that I did buying this month. My home buying In the buying process, I got: some money from builder towards closing cost, some money from agent. I'll get tax credit from fed. Also banker provided one year free borrower protection, which I can terminate before payment starts. So effectively system (business process) in US provided a total $17,000 while buying. People form India must be knowing - it is reverse over there. Here due to borrower protection i have protection of $25,000. So while buying, things are not that bad. if I add $17,000 with borrower protection of $25,000 (in case of problem), it turns out to be $40,000 odd. This is what I mean by system or business process providing support for buying. After putting all money in home, this $40,000 is still there.
Not having GC/Citizenship is a real hinderance, because one is fully part of US system as long as he/she is working. The moment job or status is gone, he/she is not part of system is US (becomes illegal). Buying is in this context a very high risk activity specially because trends are downward - there is no time to react.
Very good point mentioned.
Charak says (In Sanskrit): Rinam Kritwa Ghritam Piwet ...
Meaning is: Borrow money to drink milk butter (it is a symbol of buying of the material things). As long as you live, live happily.
American system works in such a way that, if one does not remain in home loan, he/she is a big looser. On 30 years loan, one should take equity out of home between 12-15 years, so that again home is 70-80% financed. The equity money taken can be invested in stock for maximizing gains.
Usually a home is put to remains in 70-80 % loan for maximum tax benefit - most of the homes are like that. So when stock goes down and home prices go down by 20%, most of the houses come underwater.
The moment a home comes underwater or nearing it, refinancing is not possible.
===
Further, you buy a home or a car, it is owned by bank. In fact, when I bought a new car on paying 100% to big Toyata Dealer, still the car was put on loan with banker. After 5-6 days it was fully transfered to me (although I did not pay anything for car being on loan). - The system work like that - One of the largest Toyta Dealer in bay area has no system in place, in which I could buy a car by paying 100% directly. 100% payment did not made me full owner of car from day 1.
===
Most of Asian countries work in opposit way - everything on cash. There are no (or may be very few) policies providing returns on loan. I have experience of buying two home in India - on loan - paying full - and selling. Also in India I bought four cars and sold them.
===
Things are different here. I was under tremendous pressure from friends to buy instead of renting. In last posting I provided info. that I did buying this month. My home buying In the buying process, I got: some money from builder towards closing cost, some money from agent. I'll get tax credit from fed. Also banker provided one year free borrower protection, which I can terminate before payment starts. So effectively system (business process) in US provided a total $17,000 while buying. People form India must be knowing - it is reverse over there. Here due to borrower protection i have protection of $25,000. So while buying, things are not that bad. if I add $17,000 with borrower protection of $25,000 (in case of problem), it turns out to be $40,000 odd. This is what I mean by system or business process providing support for buying. After putting all money in home, this $40,000 is still there.
Not having GC/Citizenship is a real hinderance, because one is fully part of US system as long as he/she is working. The moment job or status is gone, he/she is not part of system is US (becomes illegal). Buying is in this context a very high risk activity specially because trends are downward - there is no time to react.
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Hopeful123
04-18 04:06 PM
Has anybody tried the new online system? How good is it? Does it give you tracking number, etc? Mor importantly, has it made the process any faster? Thx.
PMisYMMV
09-03 10:44 AM
My PD is 09/01/2004. I have got an LUD on both the cases, but the status is still pending.
I am worried, do you think some one opened but got lazy to approve it?
I am current twice by now, what a luck, I wonder when my next tun going to be? This sucks big time?
I am worried, do you think some one opened but got lazy to approve it?
I am current twice by now, what a luck, I wonder when my next tun going to be? This sucks big time?
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Hassan11
03-14 11:50 AM
please answer this poll if you are EB3 ROW only. Thanks
more...
eb3_nepa
06-29 01:13 PM
Where do you see that? In his alert today, he only mentioned about the need to get the medical done asap. I don't see any retraction there. Am I missing something here?
What I meant is that he has REMOVED that advisory from the site. He has not printed an actual retraction.
What I meant is that he has REMOVED that advisory from the site. He has not printed an actual retraction.
msadiqali
08-02 10:13 AM
Guys,
Lets track August approval in this thread..
I am waiting for GC in August.
Lets track August approval in this thread..
I am waiting for GC in August.
more...
learning01
02-01 07:12 PM
please give me a link or a web site. You see I have lost touch.
go to HR 2 and click on the link to "All Congressional Actions with Amendments"
Then search for Senate Amendment 187.
go to HR 2 and click on the link to "All Congressional Actions with Amendments"
Then search for Senate Amendment 187.
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Lasantha
04-14 04:48 PM
To whoever left the comment in my profile "why all this love for US Passport?"
It all depends on what country you are a citizen of. If you are a passport holder of a country like Canada,Autralia or most european countries, then you may not see much benefit in holding a US passport when travelling. But people from certain other countries, have to go through the hassle of obtaining visas prior to international travel, vacations etc. Sometimes we even have to get transit visas for countries that we pass through on our way to the final destinations. And these visas cost money. But if you hold a US passport/citizen of the US, then they do not make you jump through all those hoops. You board the plane and you get a visitors visa once you land in almost all countries (there are exceptions, India and Australia for example). But there it is. That is one of the priviledges of having a US passport.
It all depends on what country you are a citizen of. If you are a passport holder of a country like Canada,Autralia or most european countries, then you may not see much benefit in holding a US passport when travelling. But people from certain other countries, have to go through the hassle of obtaining visas prior to international travel, vacations etc. Sometimes we even have to get transit visas for countries that we pass through on our way to the final destinations. And these visas cost money. But if you hold a US passport/citizen of the US, then they do not make you jump through all those hoops. You board the plane and you get a visitors visa once you land in almost all countries (there are exceptions, India and Australia for example). But there it is. That is one of the priviledges of having a US passport.
more...
hope4gc
01-15 11:25 PM
ok now we have 300!
Precisely, members underestimate the importance of meeting lawmakers in a large scale. When we meet members of Senate and congress all over the country, not only can we get a new Bill, but our provisions could also get attached to any other Bills once they morally support us. But it will not happen if you just send chain mail, its all about building human relations with the law maker staff and make them aware of our problems. That is why family based visas and illegals, kids (DREAM) get ahead as they have the human factor apparent.
With law makers its all about human values, empathy, compassion, etc. - like family, kids. You can forget everything about rocket science, recursion, curve fitting - it doesn't mean anything to them in terms of getting their support. It is difficult for a technical person to understand this and their point of view. It would help to get your extended family involved if you have one.
Even today skill based immigration is not even at the forefront of population growth, as their idea about general population is a bit different and has nothing to do with IQ. that is why extra effort is needed from us.
There has to be a continuous relation maintained with the immigration rep of the law maker.
I have a question,
Could you please provide how to get in touch with these political people and how to get their time and explain them? Do we get an appointment?
Also draft of letters to provide them as a refrence?
An Agenda when we visit them?
If you could please provide these guidelines, we will know what all needs to be done and anybody interested would do it.
Precisely, members underestimate the importance of meeting lawmakers in a large scale. When we meet members of Senate and congress all over the country, not only can we get a new Bill, but our provisions could also get attached to any other Bills once they morally support us. But it will not happen if you just send chain mail, its all about building human relations with the law maker staff and make them aware of our problems. That is why family based visas and illegals, kids (DREAM) get ahead as they have the human factor apparent.
With law makers its all about human values, empathy, compassion, etc. - like family, kids. You can forget everything about rocket science, recursion, curve fitting - it doesn't mean anything to them in terms of getting their support. It is difficult for a technical person to understand this and their point of view. It would help to get your extended family involved if you have one.
Even today skill based immigration is not even at the forefront of population growth, as their idea about general population is a bit different and has nothing to do with IQ. that is why extra effort is needed from us.
There has to be a continuous relation maintained with the immigration rep of the law maker.
I have a question,
Could you please provide how to get in touch with these political people and how to get their time and explain them? Do we get an appointment?
Also draft of letters to provide them as a refrence?
An Agenda when we visit them?
If you could please provide these guidelines, we will know what all needs to be done and anybody interested would do it.
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priderock
05-15 11:31 AM
Please post the name of your company. I would request IV to setup a webfax so that all of us can send webfaxes to such employers to stop this exploitation. The copy of the webfax should also be sent to DOL and USCIS (with the name of such companies) each time it is sent to the company. We should jam the fax machine of DOL, USCIS and such companies. If we do this to 5-10 employers, all others will behave.
Seems like a good idea but doesn't this make them even mad and jeopardize the chances of the employee even more ???
Seems like a good idea but doesn't this make them even mad and jeopardize the chances of the employee even more ???
more...
indio0617
05-15 10:20 PM
For filing I 485 I know you need to submit birth certificate and marriage certificate. Do both of these have to be originals or copies are fine ?
Thanks
Only copies are required.
Thanks
Only copies are required.
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NolaIndian32
04-15 10:11 AM
Team IV has established a Blog Site for Team IV Members where you can also get advice from two professional personal trainers. Site info will be provided to Team IV members via e-mail and in the Welcome Package.
more...
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amitjoey
12-18 04:56 PM
Does the IV core team plan on sharing their strategy for the New Year with the new members?
I am sure the core will let us know as soon as the legislative session begins in Feb/March. Infact, even before that there are state chapters actively involved in meeting lawmakers. I feel for any activity to take place, we need more members.
I am sure the core will let us know as soon as the legislative session begins in Feb/March. Infact, even before that there are state chapters actively involved in meeting lawmakers. I feel for any activity to take place, we need more members.
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usirit
05-27 12:07 PM
Snathan;
Is the below template the one that you are referring to?
Name, Company Name, Case Number, Filing Date, Audit Date and Signature at the end.
Let us know about the address where it will need to be sent.
Thank you for all your support and assistance with Ron...
As the template is ready, I urge everyone to move and write the letter. But I am waiting for MMS reply as he has collected the details. So far I am not getting any response on this. Sooner you move, its better for you.
Is the below template the one that you are referring to?
Name, Company Name, Case Number, Filing Date, Audit Date and Signature at the end.
Let us know about the address where it will need to be sent.
Thank you for all your support and assistance with Ron...
As the template is ready, I urge everyone to move and write the letter. But I am waiting for MMS reply as he has collected the details. So far I am not getting any response on this. Sooner you move, its better for you.
more...
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rtarar
04-30 02:56 PM
I sent my mails to passportcgihouston@swbell.net . And received response within 48 hrs.
Though I worded my emails very very politely ;-).
Though I worded my emails very very politely ;-).
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pd052009
04-07 06:32 PM
Bump
This is a supporting thread to the "Want to File I-485 without Current Priority Date? Gather here" thread started by pappu.
As suggested by pappu/starsun, this supporting thread provides impacted members with additional information and tools to help the initiative.
Visit Immigration Voice Wiki (http://immigrationvoice.org/wiki/index.php/Employment_Based_Green_Card#Process_.28EB1.2C_EB2. 2C_and_EB3.29) - for overview of Employment Based - Green Card process
Visit I485 Filing w/o current PD Wiki (http://immigrationvoice.org/wiki/index.php/Current_Grass-Roots_Initiative_-_I-485_Filing_without_Current_Priority_Date) - for overview of this initiative
As pappu stated in the first post of the above referenced thread - some of the ongoing efforts include finding how many IV members would get benefit from such a provision and get basic details such as username/Priority Date of impacted members. Future action items might include drafting documents and letters to support this provision. There maybe actions such as sending emails etc. However we would not be able to open a public action item unless we can have thousands of our members willing to participate in a grassroots action item. This survey intends to understand the needs of our membership for this provision and collect grassroots information.
The fact is we have a dedicated group of volunteers (and we need more) who have been trying their best to spread the message about this initiative so that a strong grass-roots support can be created leading up to launch of the public action items. So far we have around 1100 people who have responded. Based on quick calculations carried out using PERM data, it is estimated that there are at least 60K-70K EB applicants waiting to file I-485/EAD/AP (this is a very conservative estimate..the actual number could be much more). Grass-roots initiatives require time and patience and we request maximum number of impacted folks to participate actively.
-------------------------------------------------------------------------------------------------
What can you do to participate?
1) Vote on the poll/survey created by Pappu.
http://immigrationvoice.org/forum/forum14-members-forum/1599353-want-to-file-485-when-pd-is-not-current-gather-here.html
Then please send an email to ivcoordinator@gmail.com (starsun) with subject - "I485 filing without current PD - Impacted Member". Include your a) IV username b) Email address c) Phone #, d) State of Residence e) Priority Date - so that grassroot efforts can be coordinated
2) Print out below Flier and circulate at all asian/indian malls/groceries/theaters. Forward the flier to your friends/co-workers and ask them to do the same.
I485 Filing Initiative Flier (http://immigrationvoice.org/wiki/images/a/a8/Flier_I485_latest2.pdf)
3) Volunteers have created a facebook community and an Immigration Voice WIKI page to spread the message about this initiative. Please circulate these links among your friends/co-workers who will be helped.
Please "Share" and "Link" and "send to friend" the facebook community via your Facebook account. Also include these two links when you post on the IV forum.
Facebook - IV I485 filing w/o current PD initiative community (http://www.facebook.com/home.php#!/pages/Immigration-Voice-Grass-roots-Campaigns/150562351660693?v=info)
(Just FYI that you might have to be logged in for the above link to direct to the facebook community. Alternately, search for "Immigration Voice Grass-roots Campaigns" to find the community after logging in. Search "Immigration Voice" to go to the IV's main facebook page)
Immigration Wiki -
I485 Filing Initiative - IV Wiki (http://immigrationvoice.org/wiki/index.php/Current_Grass-Roots_Initiative_-_I-485_Filing_without_Current_Priority_Date)
------------------------------------------------------------------------------------------------
PM these members for additional info:
nmdial ; geevikram ; vbkris77 ; ashwin_27 ; snathan
Dedicated members can also join the leaders group: http://groups.google.com/group/485-filing-iv-initiative
------------------------------------------------------------------------------------------------
This is a supporting thread to the "Want to File I-485 without Current Priority Date? Gather here" thread started by pappu.
As suggested by pappu/starsun, this supporting thread provides impacted members with additional information and tools to help the initiative.
Visit Immigration Voice Wiki (http://immigrationvoice.org/wiki/index.php/Employment_Based_Green_Card#Process_.28EB1.2C_EB2. 2C_and_EB3.29) - for overview of Employment Based - Green Card process
Visit I485 Filing w/o current PD Wiki (http://immigrationvoice.org/wiki/index.php/Current_Grass-Roots_Initiative_-_I-485_Filing_without_Current_Priority_Date) - for overview of this initiative
As pappu stated in the first post of the above referenced thread - some of the ongoing efforts include finding how many IV members would get benefit from such a provision and get basic details such as username/Priority Date of impacted members. Future action items might include drafting documents and letters to support this provision. There maybe actions such as sending emails etc. However we would not be able to open a public action item unless we can have thousands of our members willing to participate in a grassroots action item. This survey intends to understand the needs of our membership for this provision and collect grassroots information.
The fact is we have a dedicated group of volunteers (and we need more) who have been trying their best to spread the message about this initiative so that a strong grass-roots support can be created leading up to launch of the public action items. So far we have around 1100 people who have responded. Based on quick calculations carried out using PERM data, it is estimated that there are at least 60K-70K EB applicants waiting to file I-485/EAD/AP (this is a very conservative estimate..the actual number could be much more). Grass-roots initiatives require time and patience and we request maximum number of impacted folks to participate actively.
-------------------------------------------------------------------------------------------------
What can you do to participate?
1) Vote on the poll/survey created by Pappu.
http://immigrationvoice.org/forum/forum14-members-forum/1599353-want-to-file-485-when-pd-is-not-current-gather-here.html
Then please send an email to ivcoordinator@gmail.com (starsun) with subject - "I485 filing without current PD - Impacted Member". Include your a) IV username b) Email address c) Phone #, d) State of Residence e) Priority Date - so that grassroot efforts can be coordinated
2) Print out below Flier and circulate at all asian/indian malls/groceries/theaters. Forward the flier to your friends/co-workers and ask them to do the same.
I485 Filing Initiative Flier (http://immigrationvoice.org/wiki/images/a/a8/Flier_I485_latest2.pdf)
3) Volunteers have created a facebook community and an Immigration Voice WIKI page to spread the message about this initiative. Please circulate these links among your friends/co-workers who will be helped.
Please "Share" and "Link" and "send to friend" the facebook community via your Facebook account. Also include these two links when you post on the IV forum.
Facebook - IV I485 filing w/o current PD initiative community (http://www.facebook.com/home.php#!/pages/Immigration-Voice-Grass-roots-Campaigns/150562351660693?v=info)
(Just FYI that you might have to be logged in for the above link to direct to the facebook community. Alternately, search for "Immigration Voice Grass-roots Campaigns" to find the community after logging in. Search "Immigration Voice" to go to the IV's main facebook page)
Immigration Wiki -
I485 Filing Initiative - IV Wiki (http://immigrationvoice.org/wiki/index.php/Current_Grass-Roots_Initiative_-_I-485_Filing_without_Current_Priority_Date)
------------------------------------------------------------------------------------------------
PM these members for additional info:
nmdial ; geevikram ; vbkris77 ; ashwin_27 ; snathan
Dedicated members can also join the leaders group: http://groups.google.com/group/485-filing-iv-initiative
------------------------------------------------------------------------------------------------
more...
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tonyHK12
01-31 05:34 PM
Will donate $100 for the event
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amitjoey
01-18 04:10 PM
We appreciate all the one time contributions also, we are counting all the recurring contributing members. Right now we need 885 more.
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skdskd
10-08 04:01 PM
Your analysis doesn't include the impact of LC substitutions that happened.
Yep... Lot's of line jumpers in 2006 and 2007
Yep... Lot's of line jumpers in 2006 and 2007
Humhongekamyab
08-04 02:18 PM
after a long time waiting I-485 got approved on 8/3/10 from NSC.
good luck to everyone :)
Congrats! Did you do anything special like SR, Infopass, etc.?
good luck to everyone :)
Congrats! Did you do anything special like SR, Infopass, etc.?
NolaIndian32
04-15 10:11 AM
Team IV has established a Blog Site for Team IV Members where you can also get advice from two professional personal trainers. Site info will be provided to Team IV members via e-mail and in the Welcome Package.
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