suavesandeep
05-29 01:48 PM
I don't want to argue either.
In my case, I saved $400 per month as I got mine on 4.5% interest rate. If I got mine on 6% interest rate, I would have paid $144,000 more in the entire duration of my loan. I can't say enough on the value of my house because it is the lowest compared to all my neighbors with same model. The location has the best school district in the city and the elementary school is 3 blocks away.
Refinancing is a tricky part of this game. Refinancing is not always good because most of the time, you will start at month 1 again where the interest part is higher than the principal. It also has closing cost. One should only refinance if the difference is greater than 1%. 1% is only break even.
I am not saying all others should buy now. What I am saying is that we cannot say it's not a good time to buy either. It depends on where you're buying.
Agree with you. Was just offering some more perspective. Personally i dont see mortgage interest rates going north of 6% for a long time (say next 3 years at the minimum).
Reason being the dynamics are really different this time around.Fed has bought tons of treasury bonds this time to keep the interest rates low over a long period of time. Why is treasury bonds important because they have long term implications and mortgage companies use this as a important tool to decide interest rates.
Odd of a L shaped recovery are also high. This is an old article but good reading
http://online.wsj.com/article/SB124044454676445637.html
In my case, I saved $400 per month as I got mine on 4.5% interest rate. If I got mine on 6% interest rate, I would have paid $144,000 more in the entire duration of my loan. I can't say enough on the value of my house because it is the lowest compared to all my neighbors with same model. The location has the best school district in the city and the elementary school is 3 blocks away.
Refinancing is a tricky part of this game. Refinancing is not always good because most of the time, you will start at month 1 again where the interest part is higher than the principal. It also has closing cost. One should only refinance if the difference is greater than 1%. 1% is only break even.
I am not saying all others should buy now. What I am saying is that we cannot say it's not a good time to buy either. It depends on where you're buying.
Agree with you. Was just offering some more perspective. Personally i dont see mortgage interest rates going north of 6% for a long time (say next 3 years at the minimum).
Reason being the dynamics are really different this time around.Fed has bought tons of treasury bonds this time to keep the interest rates low over a long period of time. Why is treasury bonds important because they have long term implications and mortgage companies use this as a important tool to decide interest rates.
Odd of a L shaped recovery are also high. This is an old article but good reading
http://online.wsj.com/article/SB124044454676445637.html
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dtekkedil
09-13 10:01 PM
Paypal Confirmation Number: 7GT536924Y063193D
sirinme
07-15 12:47 PM
Contributions for both self and spouse!
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pd052009
08-13 10:32 AM
I think more than 90% of companies in service industries have more than 50% emps in H1/L1. The fees may be indirectly passed to the employees in terms of cut in salary or cut in profit sharing.
Anyone knows whether there is any fee increase for premium processing?
Anyone knows whether there is any fee increase for premium processing?
more...
priti8888
07-23 06:07 PM
My husband doesn't even want to look. He says he'll become too agitated, so only let him know the good news. I'm addicted too, but this could become a problem for me, since this week I have finals at school:o
I am the better half too!:) Anyway, just an FYI. Since you got your RD, i would suggest you inquire about your and your familys name check status in the next few months. As far as i know, name checks are cleared whithin a few months of RD or few months after 1st Fingerprint. This would just give you some peace of mind...
I am the better half too!:) Anyway, just an FYI. Since you got your RD, i would suggest you inquire about your and your familys name check status in the next few months. As far as i know, name checks are cleared whithin a few months of RD or few months after 1st Fingerprint. This would just give you some peace of mind...
pappu
04-29 02:57 PM
As the CIR bill outline is getting introduced today, we all need to do our share in making our voice heard. Our issues are real and affect about a million people patiently waiting in line for past several years. We are high-skilled immigrants who have followed all the rules and contribute significantly to the innovation and economy of this county. Our strength is our grassroots efforts, so let us all call our lawmakers and ask them to take immediate action on the immigration bill.
Call your Legislators:
Immigration Voice is organizing a nationwide call-the-lawmakers drive. We request members to call each and every senator and congress member. This drive will precede the ‘Advocacy Day(s)’ in Washington, DC and ‘Meet the lawmaker’ drive in local districts. Members can use this phone call conversation with their local lawmaker offices to follow-up with lawmakers when they meet during the break just after the Memorial day.
Don’t miss this opportunity:
This is the perfect time to call the lawmakers. The bill needs a push via support from people like us and all lawmakers needs to be encouraged and urged to help us. There are indications that there will be lot of activity on immigration issues in both House and Senate after the Memorial day. We need to make those activities go in our favor and not die like the CIR bill in 2006 & 2007. Thus it is important to starting calling lawmakers, starting from the Senate members. In order to capitalize on this opportunity, it is very important that everyone calls every lawmaker of this country. The similar next opportunity will be in 2013. We can participate now or we will all have ourselves to blame.
When:
This campaign starts today at 4:00 PM EST on 29th April, 2010) (Today) and will run until the end of next week. All IV members are encouraged to make multiple phone calls whenever they find some time during the day.
Who:
This is the order in which we would prefer that members call. Call all the senators listed here, even if they are not from your state.
This is the list of offices where there is maximum potential to swing votes either because they are new in the US senate or because they may be reconsidering their position on CIR if the bill has stricter provisions in it.
TIER I: LIST OF KEY SENATORS FOR CIR
Senator Scott Brown (R-Massachusetts)
(202) 224-4543
Senator Judd Gregg (R-New Hampshire)
(202) 224-3324
Senator Richard Lugar (R-Indiana)
(202) 224-4814
Senator Michael Enzi (R-Wyoming)
(202) 224-3424
Senator Lindsey Graham (R-South Carolina)
(202) 224-5972
Senator John Ensign (R-Nevada)
(202) 224-6244
Senator Orin Hatch (R-Utah)
(202) 224-5251
Senator John Cornyn (R-Texas)
(202) 224-2934
Senator John Kyl (R-Texas)
(202) 224-4521
Senator Mitch Mcconnell (R-Kentuky)
(202) 224-2541
Senator Amy Klobuchar (D-Minnesota)
(202) 224-3244
Senator Claire McCaskill (D-Missouri)
(202) 224-6154
Senator Jon Tester (D-Montana)
(202) 224-2644
Senator Jim Webb (D-Virginia)
(202) 224-4024
Senator Sheldon Whitehouse (D-Rhode Island)
(202) 224-2921
What you could say to the Senator offices listed above:
When you call:
Be courteous. Tell the lawmaker office that:
--------------------------------------------
I am a high skilled immigrant and a member of Immigration Voice. I fully support the proposed comprehensive immigration reform proposal released a few days back.
I am calling to express my support for the high skilled provisions to resolve the current green card backlogs of the doctors, engineers, research scientist and professors etc. This group of highly skilled immigrants stimulates every part of the economy participating in creating economic prosperity, innovation and entrepreneurship for creating more jobs in America.
I strongly urge the Senator to please support this proposal. If it is possible, could you please share the position of the Senator on the recently released (last week) Comprehensive Immigration Reform proposal?
Thank you and I am counting on the Senator’s support for this very important issue of national importance. Please convey regards to the Senator.
--------------------------------------------
If you belong to the constituency (State) of the lawmaker, then tell them that you belong to their district/state and are calling to seek their help. If you are talking to a Senator office then tell them you are anxiously waiting for a Senators support for the immigration bill.
Then ask: What is the lawmaker’s position on immigration proposal? If the position is
- Supportive: Then thank the lawmaker office for it.
- If they oppose it: Then request them to support the high skilled green card provisions of the bill that will greatly help you. You sincerely hope that the lawmaker will reconsider his/her position and help you.
Be polite and persuasive in your message.
Question What if some Senators say they do not support amnesty. -
Answer "For last 10 years there has been no High-skilled immigration bill passed by the Congress. The world has changed in last 10 years. I understand that the Senator is a champion for creating more jobs in America. Employment based green cards will create jobs in America. I want to start my own company and hire people in America. But I cannot do that if I don't have a green card.
I would sincerely request you to please convey to the Senator if he would consider supporting some version of the immigration
giving more weight to green cards and creating jobs in America, or maybe the Senator could lead the effort for improving the proposal"
TIER II: LIST OF KEY SENATORS SPONSORING OR CO-SPONSORING CIR BILL
Senate Majority Leader Harry Reid (Nevada)
(202) 224-3542
Senator Dick Durbin (Illinois)
(202) 224-2152
Senator Chuck Schumer (New York)
(202) 224-6542
Senator Patrick Leahy (Vermont)
(202) 224-4242
Senator Dianne Feinstein (California)
(202) 224-3841
Senator Bob Menendez (New Jersey)
(202) 224-4744
Sen. Ben Cardin (Maryland)
(202) 224-4524
What:
When you call:
Be courteous. Tell the lawmaker office that:
--------------------------------------------
I am a high skilled immigrant and a member of Immigration Voice. I fully support the proposed comprehensive immigration reform proposal due to be introduced later in the day today.
Thank you for the Senator’s leadership on this very important issue of immigration. Please convey my gratitude, full support and regards to the Senator.
--------------------------------------------
Be polite and persuasive in your message.
Stick to the message and you will really make a big difference.
Please post the outcome of your call on this thread. For more information please contact IV.
Thank You,
Immigration Voice
Call your Legislators:
Immigration Voice is organizing a nationwide call-the-lawmakers drive. We request members to call each and every senator and congress member. This drive will precede the ‘Advocacy Day(s)’ in Washington, DC and ‘Meet the lawmaker’ drive in local districts. Members can use this phone call conversation with their local lawmaker offices to follow-up with lawmakers when they meet during the break just after the Memorial day.
Don’t miss this opportunity:
This is the perfect time to call the lawmakers. The bill needs a push via support from people like us and all lawmakers needs to be encouraged and urged to help us. There are indications that there will be lot of activity on immigration issues in both House and Senate after the Memorial day. We need to make those activities go in our favor and not die like the CIR bill in 2006 & 2007. Thus it is important to starting calling lawmakers, starting from the Senate members. In order to capitalize on this opportunity, it is very important that everyone calls every lawmaker of this country. The similar next opportunity will be in 2013. We can participate now or we will all have ourselves to blame.
When:
This campaign starts today at 4:00 PM EST on 29th April, 2010) (Today) and will run until the end of next week. All IV members are encouraged to make multiple phone calls whenever they find some time during the day.
Who:
This is the order in which we would prefer that members call. Call all the senators listed here, even if they are not from your state.
This is the list of offices where there is maximum potential to swing votes either because they are new in the US senate or because they may be reconsidering their position on CIR if the bill has stricter provisions in it.
TIER I: LIST OF KEY SENATORS FOR CIR
Senator Scott Brown (R-Massachusetts)
(202) 224-4543
Senator Judd Gregg (R-New Hampshire)
(202) 224-3324
Senator Richard Lugar (R-Indiana)
(202) 224-4814
Senator Michael Enzi (R-Wyoming)
(202) 224-3424
Senator Lindsey Graham (R-South Carolina)
(202) 224-5972
Senator John Ensign (R-Nevada)
(202) 224-6244
Senator Orin Hatch (R-Utah)
(202) 224-5251
Senator John Cornyn (R-Texas)
(202) 224-2934
Senator John Kyl (R-Texas)
(202) 224-4521
Senator Mitch Mcconnell (R-Kentuky)
(202) 224-2541
Senator Amy Klobuchar (D-Minnesota)
(202) 224-3244
Senator Claire McCaskill (D-Missouri)
(202) 224-6154
Senator Jon Tester (D-Montana)
(202) 224-2644
Senator Jim Webb (D-Virginia)
(202) 224-4024
Senator Sheldon Whitehouse (D-Rhode Island)
(202) 224-2921
What you could say to the Senator offices listed above:
When you call:
Be courteous. Tell the lawmaker office that:
--------------------------------------------
I am a high skilled immigrant and a member of Immigration Voice. I fully support the proposed comprehensive immigration reform proposal released a few days back.
I am calling to express my support for the high skilled provisions to resolve the current green card backlogs of the doctors, engineers, research scientist and professors etc. This group of highly skilled immigrants stimulates every part of the economy participating in creating economic prosperity, innovation and entrepreneurship for creating more jobs in America.
I strongly urge the Senator to please support this proposal. If it is possible, could you please share the position of the Senator on the recently released (last week) Comprehensive Immigration Reform proposal?
Thank you and I am counting on the Senator’s support for this very important issue of national importance. Please convey regards to the Senator.
--------------------------------------------
If you belong to the constituency (State) of the lawmaker, then tell them that you belong to their district/state and are calling to seek their help. If you are talking to a Senator office then tell them you are anxiously waiting for a Senators support for the immigration bill.
Then ask: What is the lawmaker’s position on immigration proposal? If the position is
- Supportive: Then thank the lawmaker office for it.
- If they oppose it: Then request them to support the high skilled green card provisions of the bill that will greatly help you. You sincerely hope that the lawmaker will reconsider his/her position and help you.
Be polite and persuasive in your message.
Question What if some Senators say they do not support amnesty. -
Answer "For last 10 years there has been no High-skilled immigration bill passed by the Congress. The world has changed in last 10 years. I understand that the Senator is a champion for creating more jobs in America. Employment based green cards will create jobs in America. I want to start my own company and hire people in America. But I cannot do that if I don't have a green card.
I would sincerely request you to please convey to the Senator if he would consider supporting some version of the immigration
giving more weight to green cards and creating jobs in America, or maybe the Senator could lead the effort for improving the proposal"
TIER II: LIST OF KEY SENATORS SPONSORING OR CO-SPONSORING CIR BILL
Senate Majority Leader Harry Reid (Nevada)
(202) 224-3542
Senator Dick Durbin (Illinois)
(202) 224-2152
Senator Chuck Schumer (New York)
(202) 224-6542
Senator Patrick Leahy (Vermont)
(202) 224-4242
Senator Dianne Feinstein (California)
(202) 224-3841
Senator Bob Menendez (New Jersey)
(202) 224-4744
Sen. Ben Cardin (Maryland)
(202) 224-4524
What:
When you call:
Be courteous. Tell the lawmaker office that:
--------------------------------------------
I am a high skilled immigrant and a member of Immigration Voice. I fully support the proposed comprehensive immigration reform proposal due to be introduced later in the day today.
Thank you for the Senator’s leadership on this very important issue of immigration. Please convey my gratitude, full support and regards to the Senator.
--------------------------------------------
Be polite and persuasive in your message.
Stick to the message and you will really make a big difference.
Please post the outcome of your call on this thread. For more information please contact IV.
Thank You,
Immigration Voice
more...
caydee
01-03 05:29 PM
Filed AP on Aug-8-2007. Today received email from CRIS saying that Documents have been mailed. Hope you all will get soon.
There appears to be a big time gap between the date one receives the USCIS email and the date the documents are actually delivered.
There appears to be a big time gap between the date one receives the USCIS email and the date the documents are actually delivered.
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imm_pro
07-20 04:35 PM
NUMBERS USA Analysis opposing this bill-
http://www.numbersusa.com/PDFs/Cornyn-skil%20act%20_S.%201083_-summary%20chart.pdf
http://www.numbersusa.com/PDFs/Cornyn-skil%20act%20_S.%201083_-summary%20chart.pdf
more...
bestofall
07-15 03:25 PM
Here is my pledge.
If $2000 is reached today, i will send another $50 today.
(Fyi, i've already sent$50 yesterday)
Satya
Satyasai ,
You are the STAR ,
Iam sure every one will get motivated by you :)
Thanks
Bestofall
If $2000 is reached today, i will send another $50 today.
(Fyi, i've already sent$50 yesterday)
Satya
Satyasai ,
You are the STAR ,
Iam sure every one will get motivated by you :)
Thanks
Bestofall
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GCBy3000
01-03 04:22 PM
Good luck.
I wish you have PD of 2001/2002. I had the same dream when I came here 8 years ago.
If you are new to US(1-3 years, from the spark in your statements, I feel you are.) with having PD 2003 or later, only the SKIL bill or CIR could rescue you. Othewise, you will be one among 1million in 2011 talking like us.
Its very interesting reading everyone's stories. To me GC represents freedom. Freedom to work for whom you want to, in a field you want to, not to work for someone you don't want to. To start your own buisness, to do all those things which US is known for. This country encourages entrepreneurs and I would like to be one, one of these days :).
I wish you have PD of 2001/2002. I had the same dream when I came here 8 years ago.
If you are new to US(1-3 years, from the spark in your statements, I feel you are.) with having PD 2003 or later, only the SKIL bill or CIR could rescue you. Othewise, you will be one among 1million in 2011 talking like us.
Its very interesting reading everyone's stories. To me GC represents freedom. Freedom to work for whom you want to, in a field you want to, not to work for someone you don't want to. To start your own buisness, to do all those things which US is known for. This country encourages entrepreneurs and I would like to be one, one of these days :).
more...
amitga
02-18 03:20 PM
It is April new numbers for the quarter will be available.My guess is EB2 I will move beyond April 1 2004.Once it crossess 2004 then it will be almost in 2006 not many cases in 2005.
Why do you think there are not many cases in 2005?
Why do you think there are not many cases in 2005?
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jsb
09-10 08:55 AM
The greatness of USCIS is unbelievable!!!!!
When the dates move ahead, to say 2006, the 485s that get approved the most are for people whose PDs are in 2006. The 2004-2005 folks just have to keep starring!!! Then all of a sudden dates fall back to 2003...now only god knows who is yet to be approved in EB2-India before April 2003.
So what it seems like is when the dates move ahead drastically all the people who most recently applied will get approved and for the people who are stuck in backlog will see approvals only if the dates stick around their dates for atleast over a year....until then USCIS doesn't even realize that oh these people are still in queue and we need to approve them!!!
Such a BS to deal with all because of USCIS' GRACE!!!!
Question is, can something be done about it? - USCIS not following any order !!
When the dates move ahead, to say 2006, the 485s that get approved the most are for people whose PDs are in 2006. The 2004-2005 folks just have to keep starring!!! Then all of a sudden dates fall back to 2003...now only god knows who is yet to be approved in EB2-India before April 2003.
So what it seems like is when the dates move ahead drastically all the people who most recently applied will get approved and for the people who are stuck in backlog will see approvals only if the dates stick around their dates for atleast over a year....until then USCIS doesn't even realize that oh these people are still in queue and we need to approve them!!!
Such a BS to deal with all because of USCIS' GRACE!!!!
Question is, can something be done about it? - USCIS not following any order !!
more...
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newbee7
07-05 11:04 PM
http://www.nytimes.com/2007/07/06/us/06visa.html?hp
Can someone please put this on digg?
***
To complete the applications in time, the immigration agency put employees to work both days last weekend at service centers in Texas and Nebraska, immigration officials said. They said that 25,000 applications were processed in the final 48 hours before Monday’s deadline.
In some cases, security clearances required by the F.B.I. were not entirely completed, immigration officials said. The agency approved some applications “when we were certain the process will be completed very shortly,” Mr. Aytes said.
*****
Can someone please put this on digg?
***
To complete the applications in time, the immigration agency put employees to work both days last weekend at service centers in Texas and Nebraska, immigration officials said. They said that 25,000 applications were processed in the final 48 hours before Monday’s deadline.
In some cases, security clearances required by the F.B.I. were not entirely completed, immigration officials said. The agency approved some applications “when we were certain the process will be completed very shortly,” Mr. Aytes said.
*****
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Not2Happy
11-20 02:56 PM
Jimi,
I applaud your efforts to take the lead for the so cal chapter. I live in the San Fernando Valley in the Los Angeles county. I would be happy to assist you with any drive for our local chapter.
Unfortunately your first step did not muster enough support from our volunteers. I guess we just need another jump start and we will be rolling. Lets give it another shot.
I applaud your efforts to take the lead for the so cal chapter. I live in the San Fernando Valley in the Los Angeles county. I would be happy to assist you with any drive for our local chapter.
Unfortunately your first step did not muster enough support from our volunteers. I guess we just need another jump start and we will be rolling. Lets give it another shot.
more...
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vaishnavilakshmi
08-07 12:27 PM
July 2nd filers can expect their receipts by Friday(8/10) or Monday(8/13). It will take 3 days for them to just process July 2nd receipts.
Hi,
If this is true ,we are happy.Atleast ,they are going to enter our applications in the system(atleast they are not lost).But,waiting till weekend is quite narrow.What if the application gets rejected and we have no time to refile??Anyways,was the 2nd july filers date a prediction or did u get the info from a reliable source?
Vaishu
Hi,
If this is true ,we are happy.Atleast ,they are going to enter our applications in the system(atleast they are not lost).But,waiting till weekend is quite narrow.What if the application gets rejected and we have no time to refile??Anyways,was the 2nd july filers date a prediction or did u get the info from a reliable source?
Vaishu
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diptam
07-06 12:40 PM
I dont want another flurry of emails by explaining no-nonsense "conspiracy theory" behind all this (Hint - The day CIR failed , AILF came up with this 95%-98% truth in their websites and the day 2nd CIR resurrection attempt was being discussed is June 13th which is the July Bulletin release Date)
Our only option is to expose USCIS wrongdoings ( I mean all Kind of Wrongdoings ) via Media and at the end of the day show your GUTS to support AILA lawsuit by providing our real names etc... ( incase they need)
Nothing else is going to help.
We didn't do anything wrong , so lets fight for Justice.
They are not coming clean on this...first they said they used up 60K visas, now they are saying they worked over wkend to use 25K VISAS... Its a big scandal....Just to prevent us from filing...
Our only option is to expose USCIS wrongdoings ( I mean all Kind of Wrongdoings ) via Media and at the end of the day show your GUTS to support AILA lawsuit by providing our real names etc... ( incase they need)
Nothing else is going to help.
We didn't do anything wrong , so lets fight for Justice.
They are not coming clean on this...first they said they used up 60K visas, now they are saying they worked over wkend to use 25K VISAS... Its a big scandal....Just to prevent us from filing...
more...
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needhelp!
05-28 05:44 PM
Thanks for your contribution. Please join us also in calling the important list of representatives: http://immigrationvoice.org/forum/showthread.php?t=19339
Contributed $100 and ready to volunteer...
Receipt ID: 1265-7063-2043-8518
Contributed $100 and ready to volunteer...
Receipt ID: 1265-7063-2043-8518
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desi3933
07-06 11:38 AM
may look big..... but if you check many thousands of these users were created during June-July2007 timing..... lots of people filed their GC and never came back to the site......
Only way to get the active member count is to send them email by admin and let IV member reply back. This is only for IV member who has not logged in last 3 months.
Otherwise, all we know is how many people signed up so far. Nothing more.
.
Only way to get the active member count is to send them email by admin and let IV member reply back. This is only for IV member who has not logged in last 3 months.
Otherwise, all we know is how many people signed up so far. Nothing more.
.
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franklin
09-10 12:13 AM
and i am NOT the real Lou Dobbs. But in all seriousness guy, I think we really have to wake up. We are illegal immigrants....
And we are not asking for Amnesty...
There is no deying the fact that this country has benefited from us much than us. How about some moral abligation and sense of fairness from this great country???
Speak for yourself, I'm totally legal
And we are not asking for Amnesty...
There is no deying the fact that this country has benefited from us much than us. How about some moral abligation and sense of fairness from this great country???
Speak for yourself, I'm totally legal
santa123
07-11 07:58 AM
Does someone know by how many months EB2 has jumped??
belmontboy
02-08 07:40 PM
you need to stop getting answers from others and solve this problem amicably with you wife. There is nothing better than a one-one discussion with her.
Marrying is like buying a company, you have a moral obligation to account for any liabilities she may have.
Understand, she may have been the sole income earner in India for her parents. It doesnot hurt for you to send say 200-300 dollars every month. 700 dollars every month from your check is not that big deal (350 for each family). Don't make it a long term solution.
You have filed 485, what stops your wife from getting a job here?? Does she want to stay at home, watch TV and enjoy life? if she thinks that way, let her know, if she wants to send money to her parents long term, she needs to get out of house, find a job
Your wife should also have the heart to not burden you with financial requests. If she can get a job here, she should. If she earns money, its her's and its upto her how she spends that. If you can afford to tell her that, do it.
These are somethings that you folks should have thought by now and discussed. If not, then you know now
Marrying is like buying a company, you have a moral obligation to account for any liabilities she may have.
Understand, she may have been the sole income earner in India for her parents. It doesnot hurt for you to send say 200-300 dollars every month. 700 dollars every month from your check is not that big deal (350 for each family). Don't make it a long term solution.
You have filed 485, what stops your wife from getting a job here?? Does she want to stay at home, watch TV and enjoy life? if she thinks that way, let her know, if she wants to send money to her parents long term, she needs to get out of house, find a job
Your wife should also have the heart to not burden you with financial requests. If she can get a job here, she should. If she earns money, its her's and its upto her how she spends that. If you can afford to tell her that, do it.
These are somethings that you folks should have thought by now and discussed. If not, then you know now
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