h1b_slave
08-16 04:51 PM
I never understood this "exploitation thing". This is America...
Exploitation is employer(i.e consulting company) takes 30 - 40% cut from billing from people on H1 but is ready to work on 5-10% commision with people with EAD or GC . (this is no exaggeration talk to EAD/GC guys & you will find many)
If someone is exploiting we all have a choice. We can change employers; go back home, etc.
It may not be a totally open market but it is not like you have handcuffs around you. This type of talk of exploiting, slavery only hurts everyones cause.
Changing employer means start over GC process again unless you have 140. with 140 too many people are not very comfortable switching.
see reply inline in red
Exploitation is employer(i.e consulting company) takes 30 - 40% cut from billing from people on H1 but is ready to work on 5-10% commision with people with EAD or GC . (this is no exaggeration talk to EAD/GC guys & you will find many)
If someone is exploiting we all have a choice. We can change employers; go back home, etc.
It may not be a totally open market but it is not like you have handcuffs around you. This type of talk of exploiting, slavery only hurts everyones cause.
Changing employer means start over GC process again unless you have 140. with 140 too many people are not very comfortable switching.
see reply inline in red
wallpaper 2011 Birthday Wishes
msp1976
03-03 08:29 PM
Legal Immigrants in Limbo
It is that time of the year again. Immigration reform is in the air. Recently, there were raids on many businesses and the resulting arrests were given wide publicity. The Bush administration is showing its zeal to pursue the 'illegal immigrants' and 'Undocumented workers' and enforce the immigration laws. The pro-immigration and anti-immigration organizations are ratcheting up their activities. One of the common refrains of the anti-immigration groups is 'If they want to come to this country, let them come legally'. So let us examine what the people trying to immigrate legally face.
A significant number of the high skilled immigrants who immigrate to the United States are categorized by the existing immigration law as 'Employment Based' immigrants. We would refer to this as the EB immigration in this article. The EB immigrants constituted almost 22% of the total immigrants to United States in year 2005. The EB immigration process consists of four steps. There might be minor variations but the time periods for the processing described in this article remain very close to reality.
1. Labor Certification - The US Department of Labor (DOL) administers this program. This process takes anywhere from 3 to 5 years. There are people in this queue who had applied for certification in 2001. Now imagine waiting that long for the first step. However, to its credit, the DOL has implemented a new program which has significantly reduced the time required for this process to less than 6 months. However, this program is beneficial to only those applicants who filed after December 2005.
2. Immigrant Visa application - After obtaining the Labor Certification, the employer petitions the USCIS for approving the certified immigrant for permanent residency. This process can take anywhere between 1 to 10 months.
3. Adjustment of Status - If a immigrant visa is available, (and there are only 140,000 that are available each year, with a cap of 7% of these per country) the USCIS then allows the immigrant to file for adjustment of status and if approved, formally grants permanent resident status more commonly referred to as the Green Card. It is during this stage that the immigrant is subjected to background checks by the FBI and medical checks by USCIS approved physicians. Currently, the FBI background checks are taking anywhere from 8 months to a whopping two years. Also, immigrants from countries like India and China which are the main source of high skilled immigrants find themselves unable to even file for the adjustment of status because of unavailability of visa numbers. Given the current scenario, it is unknown how long it will take for these immigrants to be able to file for adjustment of status, but it is very likely to exceed 4 to 5 years
4. Citizenship – Five years after the Green Card is approved, the immigrant may apply for citizenship to the USCIS. At this stage, he has to undergo an additional background check, take a citizenship test before being eligible for approval.
As can be seen from the description above, the whole process can take 5 to 10 years just to obtain the Green Card and an additional 5 years after that to obtain citizenship. There are people waiting to be sure of their status for even more than that. Given the uncertainty and lack of action from Congress to address the backlogs, some of the EB legal immigration applicants have come together and formed the organization http://immigrationvoice.org/. The goals include reduced waiting time for green card applications for EB immigrations, increased numbers for employment based green cards and ability to get certain benefits if the visa numbers are unavailable.
Let me make clear what this wait entails. When you are working on a work permit like H-1B, your employer sponsors you for a particular position in the future as a part of the EB immigration process. What that means in reality is that your employer cannot promote you even if you are capable and the employer is willing. In the convoluted logic of EB immigration, if you get a promotion you have to start from step 1 again. That means you are back at the end of the 5 to 10 year queue. Also, spouses of the applicants are not allowed to work even if they are qualified until the primary applicant can file for adjustment of status. Now keep trying to explain to your spouse to keep his/her career on hold for 10 years. The net result of these impediments is that a large number of these people prefer going back to their countries of origin or other countries that offer easier and faster ways to obtain permanent residency and citizenship. That is a big loss to this country.
And this is just for high-skilled and skilled workers, so our question and challenge to the anti-immigration lobby is ‘Are you willing to put your money where your mouth is and pressure Congress to pass a Comprehensive Immigration Reform to ensure that people can immigrate to the United States legally in a reasonable amount of time?’
United States is undergoing an unprecedented change in demographic situation. The Baby boomer generation consists of 77 million citizens born in the years 1946 to 1964. The leading edge of this generation is entering their 60s in 2006 and a large number of the baby boomers would start retiring soon. This is a double whammy to the US economy. Even now, the employers ranging from small businesses in the north-east to big corporations like Microsoft are facing serious labor shortages. When a large chunk of US labor force starts retiring every year, businesses are going to be even more hard pressed to find suitable workers. At the same time, the demands for social services from this large retiree population would keep growing. The US economy would find it harder and harder to support an ever larger population in need of Social services support. Unless something is done to deal with the coming labor crunch, United States is facing a huge economic and social services meltdown. The businesses would either fold in face of global competition or go where they can find labor that would allow them to be competitive leading to additional job cuts in the US. The immigration policy this country adopts would determine the future of this country. The only solution to deal with the labor crunch is to allow more employment based immigration.
As mentioned earlier, the total number of Employment based immigrants allowed per year by current law is 140,000 and it also includes the dependents of these immigrants. This limit was established in the early 90s when population of United States was smaller and a lot younger. This number has to undergo a sharp upward revision to account for the coming demographic challenge this country is facing.
The current immigration law has rules that prohibit immigration from any country in excess of 7% of the overall immigration. As far as employment based immigration is concerned, this limit is of 7% is illogical. Skills are not evenly distributed in the world and companies do not hire people based on the country they come from but for the skill set they possess to get the job done. As president Bush aptly described "It makes no sense to say to a young scientist from India, you can't come to America to help this company develop technologies that help us deal with our problems". This cap of 7% has caused the applicants from large countries like China and India to wait for years on end. As we all know, these countries are undergoing rapid growth. If the United States does not make an effort to retain this valuable human capital, those countries are going to benefit at United States’ cost.
Every year, thousands of students from various countries come to the United States to pursue higher education. In a fairly large number of cases, the universities and various endowments provide financial aid to these students. It would make sense for United States to make an effort to retain this talent that has been educated in a large number of cases by the American taxpayers. It is a reality that the talent is sorely needed. Abolishing the country limits on the employment based immigration would make it easier to retain this talent and help ease the skilled labor crunch.
The USCIS has serious issues in dealing with the magnitude of immigration benefits processing expected of the service. The Bush administration has made some not entirely successful attempts to improve the workings of the troubled federal agency. The United States does not become safer if an immigration benefits application sits entangled in a bureaucratic nightmare for years on end. The USCIS should be mandated to process all existing backlogs in a reasonable time frame and provided the resources and leadership to accomplish this goal.
In the cacophony of anti-illegal immigration rhetoric, no one seems to be paying attention to the plight of the legal immigration applicants waiting for years for their applications to get processed. The United States is supposed to be the land of opportunity. The Congress should make an effort to ease the hardships of the people who have followed the law and are trying to immigrate legally so that these deserving immigrants also get a chance to pursue their American Dreams.
It is that time of the year again. Immigration reform is in the air. Recently, there were raids on many businesses and the resulting arrests were given wide publicity. The Bush administration is showing its zeal to pursue the 'illegal immigrants' and 'Undocumented workers' and enforce the immigration laws. The pro-immigration and anti-immigration organizations are ratcheting up their activities. One of the common refrains of the anti-immigration groups is 'If they want to come to this country, let them come legally'. So let us examine what the people trying to immigrate legally face.
A significant number of the high skilled immigrants who immigrate to the United States are categorized by the existing immigration law as 'Employment Based' immigrants. We would refer to this as the EB immigration in this article. The EB immigrants constituted almost 22% of the total immigrants to United States in year 2005. The EB immigration process consists of four steps. There might be minor variations but the time periods for the processing described in this article remain very close to reality.
1. Labor Certification - The US Department of Labor (DOL) administers this program. This process takes anywhere from 3 to 5 years. There are people in this queue who had applied for certification in 2001. Now imagine waiting that long for the first step. However, to its credit, the DOL has implemented a new program which has significantly reduced the time required for this process to less than 6 months. However, this program is beneficial to only those applicants who filed after December 2005.
2. Immigrant Visa application - After obtaining the Labor Certification, the employer petitions the USCIS for approving the certified immigrant for permanent residency. This process can take anywhere between 1 to 10 months.
3. Adjustment of Status - If a immigrant visa is available, (and there are only 140,000 that are available each year, with a cap of 7% of these per country) the USCIS then allows the immigrant to file for adjustment of status and if approved, formally grants permanent resident status more commonly referred to as the Green Card. It is during this stage that the immigrant is subjected to background checks by the FBI and medical checks by USCIS approved physicians. Currently, the FBI background checks are taking anywhere from 8 months to a whopping two years. Also, immigrants from countries like India and China which are the main source of high skilled immigrants find themselves unable to even file for the adjustment of status because of unavailability of visa numbers. Given the current scenario, it is unknown how long it will take for these immigrants to be able to file for adjustment of status, but it is very likely to exceed 4 to 5 years
4. Citizenship – Five years after the Green Card is approved, the immigrant may apply for citizenship to the USCIS. At this stage, he has to undergo an additional background check, take a citizenship test before being eligible for approval.
As can be seen from the description above, the whole process can take 5 to 10 years just to obtain the Green Card and an additional 5 years after that to obtain citizenship. There are people waiting to be sure of their status for even more than that. Given the uncertainty and lack of action from Congress to address the backlogs, some of the EB legal immigration applicants have come together and formed the organization http://immigrationvoice.org/. The goals include reduced waiting time for green card applications for EB immigrations, increased numbers for employment based green cards and ability to get certain benefits if the visa numbers are unavailable.
Let me make clear what this wait entails. When you are working on a work permit like H-1B, your employer sponsors you for a particular position in the future as a part of the EB immigration process. What that means in reality is that your employer cannot promote you even if you are capable and the employer is willing. In the convoluted logic of EB immigration, if you get a promotion you have to start from step 1 again. That means you are back at the end of the 5 to 10 year queue. Also, spouses of the applicants are not allowed to work even if they are qualified until the primary applicant can file for adjustment of status. Now keep trying to explain to your spouse to keep his/her career on hold for 10 years. The net result of these impediments is that a large number of these people prefer going back to their countries of origin or other countries that offer easier and faster ways to obtain permanent residency and citizenship. That is a big loss to this country.
And this is just for high-skilled and skilled workers, so our question and challenge to the anti-immigration lobby is ‘Are you willing to put your money where your mouth is and pressure Congress to pass a Comprehensive Immigration Reform to ensure that people can immigrate to the United States legally in a reasonable amount of time?’
United States is undergoing an unprecedented change in demographic situation. The Baby boomer generation consists of 77 million citizens born in the years 1946 to 1964. The leading edge of this generation is entering their 60s in 2006 and a large number of the baby boomers would start retiring soon. This is a double whammy to the US economy. Even now, the employers ranging from small businesses in the north-east to big corporations like Microsoft are facing serious labor shortages. When a large chunk of US labor force starts retiring every year, businesses are going to be even more hard pressed to find suitable workers. At the same time, the demands for social services from this large retiree population would keep growing. The US economy would find it harder and harder to support an ever larger population in need of Social services support. Unless something is done to deal with the coming labor crunch, United States is facing a huge economic and social services meltdown. The businesses would either fold in face of global competition or go where they can find labor that would allow them to be competitive leading to additional job cuts in the US. The immigration policy this country adopts would determine the future of this country. The only solution to deal with the labor crunch is to allow more employment based immigration.
As mentioned earlier, the total number of Employment based immigrants allowed per year by current law is 140,000 and it also includes the dependents of these immigrants. This limit was established in the early 90s when population of United States was smaller and a lot younger. This number has to undergo a sharp upward revision to account for the coming demographic challenge this country is facing.
The current immigration law has rules that prohibit immigration from any country in excess of 7% of the overall immigration. As far as employment based immigration is concerned, this limit is of 7% is illogical. Skills are not evenly distributed in the world and companies do not hire people based on the country they come from but for the skill set they possess to get the job done. As president Bush aptly described "It makes no sense to say to a young scientist from India, you can't come to America to help this company develop technologies that help us deal with our problems". This cap of 7% has caused the applicants from large countries like China and India to wait for years on end. As we all know, these countries are undergoing rapid growth. If the United States does not make an effort to retain this valuable human capital, those countries are going to benefit at United States’ cost.
Every year, thousands of students from various countries come to the United States to pursue higher education. In a fairly large number of cases, the universities and various endowments provide financial aid to these students. It would make sense for United States to make an effort to retain this talent that has been educated in a large number of cases by the American taxpayers. It is a reality that the talent is sorely needed. Abolishing the country limits on the employment based immigration would make it easier to retain this talent and help ease the skilled labor crunch.
The USCIS has serious issues in dealing with the magnitude of immigration benefits processing expected of the service. The Bush administration has made some not entirely successful attempts to improve the workings of the troubled federal agency. The United States does not become safer if an immigration benefits application sits entangled in a bureaucratic nightmare for years on end. The USCIS should be mandated to process all existing backlogs in a reasonable time frame and provided the resources and leadership to accomplish this goal.
In the cacophony of anti-illegal immigration rhetoric, no one seems to be paying attention to the plight of the legal immigration applicants waiting for years for their applications to get processed. The United States is supposed to be the land of opportunity. The Congress should make an effort to ease the hardships of the people who have followed the law and are trying to immigrate legally so that these deserving immigrants also get a chance to pursue their American Dreams.
tikka
07-13 09:37 PM
thanks......at least one person showed up
15...:D
15...:D
2011 Leave your irthday wishes
saimrathi
07-09 01:08 PM
I saw the thread about the negative comments on Fox... Can you please direct me to MSNBC's coverage on this?
Mainstream media seem to be cautious about these issues as it may work against their self interests.
I am still surprised that CNN did not pick this though MSNBC (did a positive) and FOX (Did a negative) on this
Mainstream media seem to be cautious about these issues as it may work against their self interests.
I am still surprised that CNN did not pick this though MSNBC (did a positive) and FOX (Did a negative) on this
more...
ujayra01
06-24 11:04 PM
My wife is apply for AP renewal. She has her AParole until oct, 2,2008. She is travelling to india this week for three weeks. Can she apply for renewal and travel to india. Is it legal or does it have any replications.
According to my lawyer, the person (in this case your wife) must be in USA until your wife's AP application is accepted. Basically your wife should not try to apply AP when the she is not physically in USA.
After the application acceptance, your wife can travel.
Disclaimer: Please do not take this granted and always consult your immigration attorney.
According to my lawyer, the person (in this case your wife) must be in USA until your wife's AP application is accepted. Basically your wife should not try to apply AP when the she is not physically in USA.
After the application acceptance, your wife can travel.
Disclaimer: Please do not take this granted and always consult your immigration attorney.
DDash
09-08 03:16 PM
Sanju, add78 and FinalGC and others...great points...Thanks for sharing your thoughts. I am in similar boat as the OP. Its just that I already ventured out and now I am working as an independent contractor. I have a layer to go through between the Client and my employer (Desi).
Big consulting firms could charge 180, 200, even 250 to the client depending on the market rates for the particular skill set. Like most of you all mentioned, they do because like you, they want to make money as well. They have a bigger obligation of making their stakeholders happy. They do lot more than an average independent contractor do. They establish contacts mostly not at the middle manager level, but at the CEO level. As a CEO/CIO of Deloitte/IBM they have better access to CEO/CIO of the client. As it is pretty obvious, CEO/CIOs of the clients actually make/break decisions. So they are generally more successful getting big dollar projects. Once they secure a project, they obviously tend to place their employees on to the projects. Occasionally, they also hire sub-contractors AKA independent consultants when they don’t have enough internal resources.
I am looking for ways to be a successful independent contractor. I believe, networking and building a reliable set of people who can help you is very important. But the challenge is, it is not easy to find people who are reliable and who will ACTUALLY help you land a project. And of course it is not easy to stay in touch with everyone (at least for me).
To OP: I think you will have to decide what you want to do in your career. If company sponsored training, marketing, working on cross platforms/applications, stability, "company name on your resume", etc is important, you will have to compromise on the money. If you want to make quick money, take the plunge and jump in to independent consulting. You can potentially double your salary. You don’t have to have a G.C. to be a independent contractor. G.C./EAD certainly helps but not a requirement.Find a good desi employer who will support you and who will pay you "your share of money", find a good stable project and you are good to go. YOu can save money on taxes as well. But then the downside is, you pay for your own training, traveling and benefits.
End of the day - There are pros and cons on both sides of the world. Pick your choice, you will have to compromise on the cons.
BTW: I have to agree with Sanju on the commissions/under the table transactions that are reality in the consulting world.
Big consulting firms could charge 180, 200, even 250 to the client depending on the market rates for the particular skill set. Like most of you all mentioned, they do because like you, they want to make money as well. They have a bigger obligation of making their stakeholders happy. They do lot more than an average independent contractor do. They establish contacts mostly not at the middle manager level, but at the CEO level. As a CEO/CIO of Deloitte/IBM they have better access to CEO/CIO of the client. As it is pretty obvious, CEO/CIOs of the clients actually make/break decisions. So they are generally more successful getting big dollar projects. Once they secure a project, they obviously tend to place their employees on to the projects. Occasionally, they also hire sub-contractors AKA independent consultants when they don’t have enough internal resources.
I am looking for ways to be a successful independent contractor. I believe, networking and building a reliable set of people who can help you is very important. But the challenge is, it is not easy to find people who are reliable and who will ACTUALLY help you land a project. And of course it is not easy to stay in touch with everyone (at least for me).
To OP: I think you will have to decide what you want to do in your career. If company sponsored training, marketing, working on cross platforms/applications, stability, "company name on your resume", etc is important, you will have to compromise on the money. If you want to make quick money, take the plunge and jump in to independent consulting. You can potentially double your salary. You don’t have to have a G.C. to be a independent contractor. G.C./EAD certainly helps but not a requirement.Find a good desi employer who will support you and who will pay you "your share of money", find a good stable project and you are good to go. YOu can save money on taxes as well. But then the downside is, you pay for your own training, traveling and benefits.
End of the day - There are pros and cons on both sides of the world. Pick your choice, you will have to compromise on the cons.
BTW: I have to agree with Sanju on the commissions/under the table transactions that are reality in the consulting world.
more...
nnan
05-25 10:42 AM
Hello ,
yesterday i was watching Cspan 2 and debate about immigration.one of the senator (i don't remember the name ) was telling about a story of a woman with six children migrated from some poor european country ten years back to America.unfortunately her husband died after coming here.She move on in life and went to idhao and opened a cattle ranch and brought up her children well.Now she is very proud and successfull business woman and mother of six grown ups whom i am sure will be well establish them selves.
i listened the story and thanked the God that she didn't came on H4 VISA.otherwise she couldn't achieve the same.
For H4 this land is certainly not land of opportunity.Rather i suggest all H4 including my wife to burn their masters in business administration degrees and PHDs ,start doing cleaning jobs like illegals and eventually apply for Z visa.
Nobody is listening to us on capital hill .H4 are inanimate objects who came here to USA to accompany their fellow husbands or wife.No matter if it is for one year or 30 years.
And in the end no reform for H4 in this bill and no hopes for getting GC to their spouse.
I am not sure whether you should so frustrated that you should step aside and do other odd jbs just to get a "GC".
Should be you downgrade your education because of a GC? Is India in such a bad state that after receiving PHDs etc one stands to ge nothing?
Arise Awake ( Swami Vivekananda's quote), India is doing great.
Yes I am waiting for GC, I understand the frustrations ( I am one in your boat), but I only have a B.E and cannot afford to pursue an MBA ( time is the cost, not money alone), & I still don't feel a B.E has no value.
yesterday i was watching Cspan 2 and debate about immigration.one of the senator (i don't remember the name ) was telling about a story of a woman with six children migrated from some poor european country ten years back to America.unfortunately her husband died after coming here.She move on in life and went to idhao and opened a cattle ranch and brought up her children well.Now she is very proud and successfull business woman and mother of six grown ups whom i am sure will be well establish them selves.
i listened the story and thanked the God that she didn't came on H4 VISA.otherwise she couldn't achieve the same.
For H4 this land is certainly not land of opportunity.Rather i suggest all H4 including my wife to burn their masters in business administration degrees and PHDs ,start doing cleaning jobs like illegals and eventually apply for Z visa.
Nobody is listening to us on capital hill .H4 are inanimate objects who came here to USA to accompany their fellow husbands or wife.No matter if it is for one year or 30 years.
And in the end no reform for H4 in this bill and no hopes for getting GC to their spouse.
I am not sure whether you should so frustrated that you should step aside and do other odd jbs just to get a "GC".
Should be you downgrade your education because of a GC? Is India in such a bad state that after receiving PHDs etc one stands to ge nothing?
Arise Awake ( Swami Vivekananda's quote), India is doing great.
Yes I am waiting for GC, I understand the frustrations ( I am one in your boat), but I only have a B.E and cannot afford to pursue an MBA ( time is the cost, not money alone), & I still don't feel a B.E has no value.
2010 Funny oss colleagues music
suriajay12
01-14 11:40 AM
I just filed, but I do not have patience to wait and watch every bulletin.. we have to do bring more attention to problem.
more...
EkAurAaya
05-15 09:15 AM
PD is March 2003, I'm also leaning towards AOS
As APNAIR2002 pointed out it could take 45 days to 3 months and luck has not been on my side in this matter :D up until yesturday
As APNAIR2002 pointed out it could take 45 days to 3 months and luck has not been on my side in this matter :D up until yesturday
hair New marathi cuddle in ex oss
chanduv23
09-19 04:07 PM
Not entirely true, I switched job a couple of months ago - filed for AC21. I got an acknowledgment from USCIS for the same - stating that it will be added to my file, to be reviewed when my application is processed.
Well both are true - but most cases do not reach the file.
Well both are true - but most cases do not reach the file.
more...
svn
04-07 06:41 PM
Your intentions are good - but the approach you took needs to be refined further. None of what I wrote above is personally against you - I appreciate your efforts but feel that we need to approach it differently - probably equating updates with money is not a good approach given that once someone gives money , they may start having a feeling of entitlement and we may not be ready to handle it.
Thanks for the appreciation. Without a doubt, the poll I have posted is clearly focused on a single dimension i.e. whether receiving more regular updates will help people get more involved and contribute more (whatever be that amount, it would be in addition to current status). While there could be several other ideas to increase participation level, this is what I felt was important to me and was looking to gauge if others felt similalry. However, I clearly don't have a patent on ideas - if you have a different approach or idea I would assume you wouldn't hesitate to pursue that to achieve our goals.
As far as as the notion that someone who gives money feels entitled to receive information - so, what's wrong with that? After all no one gives without any expectations and based on this poll, there are at least some of us for whom being informed along the process is one of those expectations, especially since none of our goals will be achieved overnight. I do not mean generic updates of the nature you have cited, but more specific status reports of who is/has been doing what and what action, if any, is expected of the rest of us in order to support. If the organization is not prepared to handle that, I think it needs our help to be able to achieve that goal! Being ready to provide these updates will only improve our organization's efficiency and effectiveness.
Thanks for the appreciation. Without a doubt, the poll I have posted is clearly focused on a single dimension i.e. whether receiving more regular updates will help people get more involved and contribute more (whatever be that amount, it would be in addition to current status). While there could be several other ideas to increase participation level, this is what I felt was important to me and was looking to gauge if others felt similalry. However, I clearly don't have a patent on ideas - if you have a different approach or idea I would assume you wouldn't hesitate to pursue that to achieve our goals.
As far as as the notion that someone who gives money feels entitled to receive information - so, what's wrong with that? After all no one gives without any expectations and based on this poll, there are at least some of us for whom being informed along the process is one of those expectations, especially since none of our goals will be achieved overnight. I do not mean generic updates of the nature you have cited, but more specific status reports of who is/has been doing what and what action, if any, is expected of the rest of us in order to support. If the organization is not prepared to handle that, I think it needs our help to be able to achieve that goal! Being ready to provide these updates will only improve our organization's efficiency and effectiveness.
hot Send your best wishes on
hopein07
02-19 12:07 PM
That apart Prudential has a term life policy where you get back the complete premium paid under this policy at the end of the term�. say for a 30 year term you paid a total premium of 30K in 30 years,, at the end of 30 years if you are still alive you will get back the 30K..
https://www.prudential.com/view/page/13088?SessionID=&CTRN=&OFFICE=&CampaignID=030343&LeadSource=pru.com&LeadType=quote&MainProductType=&UserID=
Do you know how much more the premium would be for this product compared to regular term? I am guessing a lot more. In that case whole life is better where the cash value generated would pay much more after 30 years based on a low 5.5 - 6% estimated annual return. But of course it is for folks who will stay in US at least 15 years+ because after 15 yeras the Cash Value could itself pay for the permium and you do not have to pay any more premuims unless you wish to boost the Cash Value further.
https://www.prudential.com/view/page/13088?SessionID=&CTRN=&OFFICE=&CampaignID=030343&LeadSource=pru.com&LeadType=quote&MainProductType=&UserID=
Do you know how much more the premium would be for this product compared to regular term? I am guessing a lot more. In that case whole life is better where the cash value generated would pay much more after 30 years based on a low 5.5 - 6% estimated annual return. But of course it is for folks who will stay in US at least 15 years+ because after 15 yeras the Cash Value could itself pay for the permium and you do not have to pay any more premuims unless you wish to boost the Cash Value further.
more...
house happy birthday quotes in
go_getter007
11-09 09:49 AM
Dude, "you" are part of "we" when you say, "Nor do we wish our Chinese..". Why didn't *you* wish members Eid, X-mas or whatever? It's rather strange that people like you are opposing wishing each other well - would you rather people curse each other here?! Get a life.
Happy Diwali to everyone (who wants good wishes :-)).
GG_007
msgs like this help establish the notion that this is an indian website dedicated to indian immigration issues. I didnt see any post wishing happy Eid/ Eid Mubarak nor did I notice last year that anyone wished a Merry Christmas/ Happy Holidays, nor do we wish our Chinese friends a Happy Chinese New Year.
Happy Diwali to everyone (who wants good wishes :-)).
GG_007
msgs like this help establish the notion that this is an indian website dedicated to indian immigration issues. I didnt see any post wishing happy Eid/ Eid Mubarak nor did I notice last year that anyone wished a Merry Christmas/ Happy Holidays, nor do we wish our Chinese friends a Happy Chinese New Year.
tattoo irthday quotes to oss. to
ARUNRAMANATHAN
05-28 09:08 AM
http://www.washingtonpost.com/wp-dyn/content/article/2007/05/26/AR2007052601086_2.html
text:
The plan is already generating alarm among immigrant groups. "People who have come to this country worked hard, they have become U.S. citizens -- their first goal is to bring in their loved ones," said Nazanin Nasri, an immigration lawyer in Arlington who has many Iranian and Afghan clients. "They will be destroyed."
Kevin Appleby, director of migration and immigration policy for the organization of Catholic bishops, said the new system "ignores the fact that immigrant families have helped build this nation. Families start businesses, keep their members from government dependency and invest their energy in their new land."
Doris Meissner, director of the Immigration and Naturalization Service under President Bill Clinton, said the point system is being proposed with inadequate analysis. "I was amazed when I saw it because it hasn't really been talked about," she said. "There's been no ground laid for this whatsoever. Point systems are known in other countries, and there is certainly a body of written material on it, but it hasn't had any careful research.
"It may be a good idea," she added, "but there isn't any evidence to argue one way or the other."
text:
The plan is already generating alarm among immigrant groups. "People who have come to this country worked hard, they have become U.S. citizens -- their first goal is to bring in their loved ones," said Nazanin Nasri, an immigration lawyer in Arlington who has many Iranian and Afghan clients. "They will be destroyed."
Kevin Appleby, director of migration and immigration policy for the organization of Catholic bishops, said the new system "ignores the fact that immigrant families have helped build this nation. Families start businesses, keep their members from government dependency and invest their energy in their new land."
Doris Meissner, director of the Immigration and Naturalization Service under President Bill Clinton, said the point system is being proposed with inadequate analysis. "I was amazed when I saw it because it hasn't really been talked about," she said. "There's been no ground laid for this whatsoever. Point systems are known in other countries, and there is certainly a body of written material on it, but it hasn't had any careful research.
"It may be a good idea," she added, "but there isn't any evidence to argue one way or the other."
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pictures Happy Birthday Boss!
mpadapa
10-08 09:18 PM
time for a bump
dresses happy birthday greeting
ramaonline
09-06 02:23 PM
We are planning to visit India in Nov 08 after three years. I would be using my AP to return after 4 weeks. My wife is planning to stay there for seven months and plans to return using AP. Based on what I see on this thread, seems like it would be very risky for my wife to use AP to re-enter after a seven month period.
I'm still working on H1B and my wife on H4 ( although she has an EAD, she doesnt work). We have H1B approval valid till March 09. My wife would be re-entering in June 09. I'm in the process of renewing my H1 and H4.
If my wife gets her H4 stamping then she can re-enter in June 09 using H4 visa. I plan to re-enter using AP in Nov 08.
I am also planning to consult my lawyer. Would this work out? Gurus, pls. help
No need to use AP to travel when you are in valid H1 status, and are continuing to work with the GC sponsoring employer. You can use the valid h1 stamp to reenter without any risk to the pending 485
Spouse can travel and reenter on H4 even if she has a valid AP provided that you maintain H1 status. Note that H4 is a derivative of H1 status. H4 status ends once EAD is used for work purposes. If the EAD is used for work, then it is safest to travel and re-enter on AP.
I'm still working on H1B and my wife on H4 ( although she has an EAD, she doesnt work). We have H1B approval valid till March 09. My wife would be re-entering in June 09. I'm in the process of renewing my H1 and H4.
If my wife gets her H4 stamping then she can re-enter in June 09 using H4 visa. I plan to re-enter using AP in Nov 08.
I am also planning to consult my lawyer. Would this work out? Gurus, pls. help
No need to use AP to travel when you are in valid H1 status, and are continuing to work with the GC sponsoring employer. You can use the valid h1 stamp to reenter without any risk to the pending 485
Spouse can travel and reenter on H4 even if she has a valid AP provided that you maintain H1 status. Note that H4 is a derivative of H1 status. H4 status ends once EAD is used for work purposes. If the EAD is used for work, then it is safest to travel and re-enter on AP.
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makeup happy birthday quotes love.
rav_234
09-22 03:28 PM
Hello To the IV Core Committee,
Thanks to you all for the tireless efforts in pushing the immigration reforms forward .
I just wanted to take this opportunity to give my thoughts on this important Bill HR 5882 that is due for hearing on the 23 Sept'2008 after several postponmetns / adjournments.
I guess that we are fortunate that our Honbl Prime Minister Manmohan Singh is visiting the USA during this week and is scheduled to meet the President George Bush to discuss various issues related to US - Indai Relationships / businessess etc.
I feel that if the IV Core committe makes use of this golden opportunity to meet up with our PM and request him to also discuss on the pending immgt bill that would help several of us.
I'm not sure how best this advise of mine sounds,but i think there is nothing wrong in trying out.
Hope the IV core committe consider this view of mine.
Thanks again to one and all and in particular to the IV folks.
Regards,
Rav
Thanks to you all for the tireless efforts in pushing the immigration reforms forward .
I just wanted to take this opportunity to give my thoughts on this important Bill HR 5882 that is due for hearing on the 23 Sept'2008 after several postponmetns / adjournments.
I guess that we are fortunate that our Honbl Prime Minister Manmohan Singh is visiting the USA during this week and is scheduled to meet the President George Bush to discuss various issues related to US - Indai Relationships / businessess etc.
I feel that if the IV Core committe makes use of this golden opportunity to meet up with our PM and request him to also discuss on the pending immgt bill that would help several of us.
I'm not sure how best this advise of mine sounds,but i think there is nothing wrong in trying out.
Hope the IV core committe consider this view of mine.
Thanks again to one and all and in particular to the IV folks.
Regards,
Rav
girlfriend The happy birthday message is
byeusa
07-11 11:15 AM
We need more friends, not less.
USINPAC has been NOT helpful so far. It doesn't mean we should protest to them angrily and antagonize them. We can continue to seek their assistance (if they would offer any)
they can only offer assistance in helping you learn how to do fraud if you are interested.
USINPAC has been NOT helpful so far. It doesn't mean we should protest to them angrily and antagonize them. We can continue to seek their assistance (if they would offer any)
they can only offer assistance in helping you learn how to do fraud if you are interested.
hairstyles Message on card:
seeker
05-24 10:31 AM
Status quo is far far much better that passing this bill which has articulately been designed to screw us completely.
DSLStart
09-07 07:37 PM
Rao, where u been so long dude? Just in time before release of Oct bulletin. Please enlighten us with your prediction for EB2-I....Hi,
Are there upadates on the info file that we have filed to know the approved lobors in each category by year(month) wise. Can you please update us.
Are there upadates on the info file that we have filed to know the approved lobors in each category by year(month) wise. Can you please update us.
alisa
04-08 02:40 PM
You can't get more than 10K people to sign up to IV.
And you can't get more than 300 people to sign up for $20 per month.
What makes you think you can convince 20-30K people to move with you?
:)
If there is unity, and all of us walk out with all our money, this would definitely get the attention of the lawmakers.
I suggested the same action last year. Right now, waiting for 485 (EB 2 LC took close to 6 years) - but I feel if 20-30K of us left (and take our money with us too, don't leave it here to work for this country) because we are being screwed by the stupid immigration laws, that will have a bigger impact in changing the laws than any lobbying effort possibly would.
And you can't get more than 300 people to sign up for $20 per month.
What makes you think you can convince 20-30K people to move with you?
:)
If there is unity, and all of us walk out with all our money, this would definitely get the attention of the lawmakers.
I suggested the same action last year. Right now, waiting for 485 (EB 2 LC took close to 6 years) - but I feel if 20-30K of us left (and take our money with us too, don't leave it here to work for this country) because we are being screwed by the stupid immigration laws, that will have a bigger impact in changing the laws than any lobbying effort possibly would.
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