people who try to make quick money in couple of years by investing in house is ............... It is better to go and try it out in Las Vegas how lucky you are in making money instead of trying it out in real estate market with the span of 1-2 years in mind.
Even if someone wants to make quick money, here are the few tips. Also these tips are tips and not guidelines.
0. Know your limits. If you earn 100K, your buying power by thumb rule is 300K. So on saferside start searching with the range of 250K-260K. VERY IMPORTANT RULE.
1. Check the rental cost where you live. Example if 2br apt is 1200, then try to limit your mortgage, taxes etc within 1500 assuming you buy at least 3br house.
2. Reverse calulate the down paymet you have to put by subsituting your monthly payment ( apartment rental cost in your area + house tax + $300). Calculate the % of down payment from the above formula.
If the down payment comes to 10-15%, then it is worth buying than renting in your area. If the down payment is above that, then try to meet it. In worst case put 20-30% down payment to keep your mortgage payment lower.
Again, the above information is based on my house search and analysis. Others might have different opinion. Please take it if it is worth for you otherwise just ignore it.
Even if someone wants to make quick money, here are the few tips. Also these tips are tips and not guidelines.
0. Know your limits. If you earn 100K, your buying power by thumb rule is 300K. So on saferside start searching with the range of 250K-260K. VERY IMPORTANT RULE.
1. Check the rental cost where you live. Example if 2br apt is 1200, then try to limit your mortgage, taxes etc within 1500 assuming you buy at least 3br house.
2. Reverse calulate the down paymet you have to put by subsituting your monthly payment ( apartment rental cost in your area + house tax + $300). Calculate the % of down payment from the above formula.
If the down payment comes to 10-15%, then it is worth buying than renting in your area. If the down payment is above that, then try to meet it. In worst case put 20-30% down payment to keep your mortgage payment lower.
Again, the above information is based on my house search and analysis. Others might have different opinion. Please take it if it is worth for you otherwise just ignore it.
wallpaper Transformers: Dark of the Moon
www.aila.org
has a link "Update on July Visa Availability"
but only members can access it.
has a link "Update on July Visa Availability"
but only members can access it.
Let's assume the date moves to Aug 07 by September of this year.
What will happen after that? I mean what would be the rate of movement
What will happen after that? I mean what would be the rate of movement
2011 Moon Jetwing Optimus Prime
Thanks reno_john
Just now I spoke to customer service regarding the offer and they said that it is for existing customers for now....may be they will make it available soon for all......
As per my conversation with Customer Supprt is that she sugested me to sign up with 4.95plan and after 30 days I am eligible for Hello World Max plan (Unlimited calling for 101 countries)
Link for the plan details - https://www.lingo.com/shop/promotions/helloworldmax.jsp (you can't sign up from this link)
Below are my comparisons with respect to the vonage
Advantages
1) There is less tax compared to vonage, Customer Supprt said around 5 dollars
2) Lingo has very nice feature that you can call from the cell phone by using LINGO account, each account eligible to register for 2 cell phones, so that both can call and you dont have to be at home all the time to call internationally
Disadvantages
3) 2 Years Service agreement
4) Referral is only applies to the person who refers another customer
I think with this Vonage also will come up calling from cell phone option......
As per my conversation with Customer Supprt is that she sugested me to sign up with 4.95plan and after 30 days I am eligible for Hello World Max plan (Unlimited calling for 101 countries)
Link for the plan details - https://www.lingo.com/shop/promotions/helloworldmax.jsp (you can't sign up from this link)
Below are my comparisons with respect to the vonage
Advantages
1) There is less tax compared to vonage, Customer Supprt said around 5 dollars
2) Lingo has very nice feature that you can call from the cell phone by using LINGO account, each account eligible to register for 2 cell phones, so that both can call and you dont have to be at home all the time to call internationally
Disadvantages
3) 2 Years Service agreement
4) Referral is only applies to the person who refers another customer
I think with this Vonage also will come up calling from cell phone option......
we got approval on our I-485 (PD Jan,2006).
I take this opportunity to THANK IV ans its Core Group for doing this wonderful service to EB Immigrants community.
Thanks and best wishes for those who are in the sprocess.
Ram.
Let me say congrats first.
Why it took upto October in your case?
Mine is April 06- EB2 india. Got RFE. and answered on 29 sep( Received by uscis - 30 Sep) .
When we can I expect approval?
Do you can suggest any thing?
I take this opportunity to THANK IV ans its Core Group for doing this wonderful service to EB Immigrants community.
Thanks and best wishes for those who are in the sprocess.
Ram.
Let me say congrats first.
Why it took upto October in your case?
Mine is April 06- EB2 india. Got RFE. and answered on 29 sep( Received by uscis - 30 Sep) .
When we can I expect approval?
Do you can suggest any thing?
I have taken an infopass tomorrow to get the I-551 stamp on my passport. Once that is done I will be mailing out the form I-90 for replacement.
What is this I-551 stamp ? Is stamping that mandatory ? What kind of documents do you need while you go for this stamping ?
If one does not plan on travelling until we receive the physical Green Card - would we still have to do this stamping ?
What is this I-551 stamp ? Is stamping that mandatory ? What kind of documents do you need while you go for this stamping ?
If one does not plan on travelling until we receive the physical Green Card - would we still have to do this stamping ?
2010 Transformers Dark of the Moon
Ok pull your I-140 approval notice.
Go on Beneficiary name.
Along the lines of your name.. shd be a number starting with A number. Thats your Alien number. Its on mine..
Goodluck
Go on Beneficiary name.
Along the lines of your name.. shd be a number starting with A number. Thats your Alien number. Its on mine..
Goodluck
The total number of applications excluding EB2, EB3 are 7,653.
The total visa's per annum -> 140,000
Considering that there would be more applications during the year from non-retrogressed countries/categories ..it is evident now that there won't be more than 5K such applications. On pessimistic side even if we consider 10K such applications, The visas available for retrogressed EB2 and EB3 should be around 120K this year.
Total pending EB2 is 74,932. So EB2 should be Current for all countries this year.
EB3 should get around 40K visas this year.
Any one disagrees?
The total visa's per annum -> 140,000
Considering that there would be more applications during the year from non-retrogressed countries/categories ..it is evident now that there won't be more than 5K such applications. On pessimistic side even if we consider 10K such applications, The visas available for retrogressed EB2 and EB3 should be around 120K this year.
Total pending EB2 is 74,932. So EB2 should be Current for all countries this year.
EB3 should get around 40K visas this year.
Any one disagrees?
hair TakaraTomy Dark Of The Moon
I had my interview on Jan 14th for H1B extension..same company after 3 years..fortune 100 company..VO said approved..but i have not received my pp yet. Its the 18th day and in weeks this is the 3rd one.
My brother also works for the same company same mgr..he also went on the same day for his stamping. His F1-H1. his VO was different..he got his pp after one week.
Have there been people waiting more than three weeks ?? what is the worst wait time for someone here on the forum ??
I have already postponed my flight twice..since i have to take my dad along..i have also postponed his flight twice..this was a family emergency travel and not a vacation..still its so painfull..and like everyday there is a wait..
My brother also works for the same company same mgr..he also went on the same day for his stamping. His F1-H1. his VO was different..he got his pp after one week.
Have there been people waiting more than three weeks ?? what is the worst wait time for someone here on the forum ??
I have already postponed my flight twice..since i have to take my dad along..i have also postponed his flight twice..this was a family emergency travel and not a vacation..still its so painfull..and like everyday there is a wait..
It's possible that USCIS may issue a NOID instead of straight denial, when I-140 is withdrawn by the employer, if they have AC21 letter in the file. (It's a possibility, not 100% guarantee.)
With a RFE/NOID you can continue to work while getting the issue resolved. Not so with the denial. You can't work till the issue is reloved, and you need to file MTR (costlier than a RFE). So it's basically a matter of risk-reduction though it always doesn't produce the expected results.
I am sorry if I am bit late on this forum. Why even inform USCIS when you use AC21? There is no rule stating that you have to inform them , so why do it?
With a RFE/NOID you can continue to work while getting the issue resolved. Not so with the denial. You can't work till the issue is reloved, and you need to file MTR (costlier than a RFE). So it's basically a matter of risk-reduction though it always doesn't produce the expected results.
I am sorry if I am bit late on this forum. Why even inform USCIS when you use AC21? There is no rule stating that you have to inform them , so why do it?
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If I hadn't already spent $34 on sending flowers to USCIS, I would have definitely sent a "bon voyage" bouquet to you.
To anyone still thinking about sending flowers, do this woman a favor, and send her flowers instead!
Please don't make fun out of it. Whatever I thought, I conveyed. Please understand and evaluate whether this is really a fact or a joke.
To anyone still thinking about sending flowers, do this woman a favor, and send her flowers instead!
Please don't make fun out of it. Whatever I thought, I conveyed. Please understand and evaluate whether this is really a fact or a joke.
house Transformers Dark of the Moon
Good to see some initiatives on flower / call campaign.
Please, while sending flowers/ calling Congress members - fax the copy on what Alen Greenspan said few weeks back. Its VERY important they know about this - http://news.yahoo.com/s/nm/20080813/...y_greenspan_dc
I have said it before and will say it again - " Nothing else but ONLY 'current economy ' will make this bill pass ". To get enonomy back on track, they need to fix housing market first.
Please, while sending flowers/ calling Congress members - fax the copy on what Alen Greenspan said few weeks back. Its VERY important they know about this - http://news.yahoo.com/s/nm/20080813/...y_greenspan_dc
I have said it before and will say it again - " Nothing else but ONLY 'current economy ' will make this bill pass ". To get enonomy back on track, they need to fix housing market first.
tattoo Optimus Prime Transformers
Please keep on updating this thread. If you have got your passport or are still waiting. The information will help others.
Thank You.
Thank You.
pictures 2011 Transformers The Dark Of
Little_Willy,
Yes, it is that simple. If you just walk away from your home, bank can only touch your home and credit history. They can not go after your automobile\gold\savings\other property....anything. You are not missing anything. That is why we are seeing so many people around us just walking away from their homes. Thank God I rent but if my property's value go down 200 k in 2 years, heck I would walk away with a smile on my face. No strings attached.
Walking away would have been difficuly had you put 20% down, i.e. involving your hard earned money in the deal. In that case you would have waited to see the market and hoped that it would revive. If put 0% down and bank has given you 100% loan, then it is the bank who has taken all the risk. You have practially no risk in that deal. Just like cloth....return it to the bank. Hey....you don't have to even clean it up...like you do in the case of apartment move. ;-)
0% down, ARM, interest only.....when all these goodies were floating around, it was hard to resist.
Correct me if I am wrong. If a person has a good paying job and if he decides to foreclose, isn't he responsible for the loss incurred by the bank. It is a different case if you have no income, but just because you lost money because of a wrong decision, how could you walk away free with just a dent in your credit history. Maybe I am missing something here.
BTW, I am not judging OP in any way, just curious with how foreclosures work as they make headlines everyday now.
Yes, it is that simple. If you just walk away from your home, bank can only touch your home and credit history. They can not go after your automobile\gold\savings\other property....anything. You are not missing anything. That is why we are seeing so many people around us just walking away from their homes. Thank God I rent but if my property's value go down 200 k in 2 years, heck I would walk away with a smile on my face. No strings attached.
Walking away would have been difficuly had you put 20% down, i.e. involving your hard earned money in the deal. In that case you would have waited to see the market and hoped that it would revive. If put 0% down and bank has given you 100% loan, then it is the bank who has taken all the risk. You have practially no risk in that deal. Just like cloth....return it to the bank. Hey....you don't have to even clean it up...like you do in the case of apartment move. ;-)
0% down, ARM, interest only.....when all these goodies were floating around, it was hard to resist.
Correct me if I am wrong. If a person has a good paying job and if he decides to foreclose, isn't he responsible for the loss incurred by the bank. It is a different case if you have no income, but just because you lost money because of a wrong decision, how could you walk away free with just a dent in your credit history. Maybe I am missing something here.
BTW, I am not judging OP in any way, just curious with how foreclosures work as they make headlines everyday now.
dresses Transformers: Dark Of The Moon
ncscfollowup.nsc@dhs.gov
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Sending flowers was a way to register our protest. That I believe is being accomplished. USCIS forwarding them to injured service men is OK with me.
girlfriend Optimus Prime - Transformers
I was wondering why the status went backwards (from CPO to Decision) and if that that is a normal process.
Thanks,
I got one more email with the update (this is third email with the same staus "CPO"). This time I have SLUD on EAD and AP also. Here is the email...
Application Type: I485 , APPLICATION TO REGISTER PERMANENT RESIDENCE OR TO ADJUST STATUS
Your Case Status: Card/ Document Production
On September 14, 2010 we mailed the document to the address we have on file. You should receive the new document within 30 days. If you do not, or if you move before you get it, call customer service at 1-800-375-5283.
My wife received here Welcome letter but I did not get one yet. Here is my timeline...
09/08/2010 - CPO emails for self and wife
09/09/2010 - Got emails updating the status to Decision for self and wife
09/10/2010 - Standard CPO email to self
09/11/2010 - Wife got the welcome letter (I-797) by USPS
09/15/2010 - CPO email to self with the new message (Document sent to address on file)
Still waiting for cards in hand.
Thanks,
Tempy
Thanks,
I got one more email with the update (this is third email with the same staus "CPO"). This time I have SLUD on EAD and AP also. Here is the email...
Application Type: I485 , APPLICATION TO REGISTER PERMANENT RESIDENCE OR TO ADJUST STATUS
Your Case Status: Card/ Document Production
On September 14, 2010 we mailed the document to the address we have on file. You should receive the new document within 30 days. If you do not, or if you move before you get it, call customer service at 1-800-375-5283.
My wife received here Welcome letter but I did not get one yet. Here is my timeline...
09/08/2010 - CPO emails for self and wife
09/09/2010 - Got emails updating the status to Decision for self and wife
09/10/2010 - Standard CPO email to self
09/11/2010 - Wife got the welcome letter (I-797) by USPS
09/15/2010 - CPO email to self with the new message (Document sent to address on file)
Still waiting for cards in hand.
Thanks,
Tempy
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btw most elected officials have a dedicated person to do this...
bepositive,
in my case i got no slip..whenever i call consulate new delhi they say still under admin processing ?? my lawyer checked with DOS..DOS had sent approval on jan 25th..still under proc at embassy !!
NOT SURE WHY ?? this delay is ??
i maybe forgetting..but which consulate did you go to and if new delhi then what was the description(looks) of the VO ?
-shahuja
bepositive,
in my case i got no slip..whenever i call consulate new delhi they say still under admin processing ?? my lawyer checked with DOS..DOS had sent approval on jan 25th..still under proc at embassy !!
NOT SURE WHY ?? this delay is ??
i maybe forgetting..but which consulate did you go to and if new delhi then what was the description(looks) of the VO ?
-shahuja
Because even with this detailed information on the mechanics of immigration legislation, we cannot figure out who is friendly and who is not and who to lobby to and who to ignore.
This kind of complicated stuff is not a typical IT programmers domain.
This kind of complicated stuff is not a typical IT programmers domain.
Ok. I am finally beginning to see your point. If the objective of your exercise is to eliminate alleged non-genuine EB2 jobs, that really don't exist, but are simply advertised just for the sake of porting by unscrupulous companies who stand to gain money by this, then you certainly are making a valid point.
But I still do not understand how a lawsuit will help? Was the labor-sub elimination the result of a lawsuit? Also, I would be concerned about lots of other valid/genuine companies who really have jobs for BS + 5 years experience ...?
The argument is same for why labor substitution was done away with. The bottom line is it was abused.
But I still do not understand how a lawsuit will help? Was the labor-sub elimination the result of a lawsuit? Also, I would be concerned about lots of other valid/genuine companies who really have jobs for BS + 5 years experience ...?
The argument is same for why labor substitution was done away with. The bottom line is it was abused.
