hopein07
02-19 04:24 PM
hopein07,
What is your understating on money return on whole life ins. plocy?. do you think you can cancel at anytime and get back your premium or withdraw portion of your investment?
Does anything mentioned on your link about policy surrender or money withdrawal when policy is in force? please search more and post here....
As far as I know whatever premium you pay is gone when you cancel the policy but if the policy has cash value then you get that amount.
Here is one link I found about Cash Surrender Value for Whole Life:
http://financial-dictionary.thefreedictionary.com/Cash+Surrender+Value
Here is another good reading:
http://www.ins.state.ny.us/que_top10/que_life_who.htm
I think it all depends on how you talk to the agent and how they write your policy
What is your understating on money return on whole life ins. plocy?. do you think you can cancel at anytime and get back your premium or withdraw portion of your investment?
Does anything mentioned on your link about policy surrender or money withdrawal when policy is in force? please search more and post here....
As far as I know whatever premium you pay is gone when you cancel the policy but if the policy has cash value then you get that amount.
Here is one link I found about Cash Surrender Value for Whole Life:
http://financial-dictionary.thefreedictionary.com/Cash+Surrender+Value
Here is another good reading:
http://www.ins.state.ny.us/que_top10/que_life_who.htm
I think it all depends on how you talk to the agent and how they write your policy
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satyasaich
04-09 11:52 AM
Current crisis in UK is just one example, and i'm not surprised to see "slow bleed" approach.
It's up to individual situation and decision what to do next
Gandhi was never an immigrant and was in SA for solving a legal case on a temporary contract. He was always wanting to go back to India but because of the conditions of Indians, he was urged to stay back and help them, he actually went back in between and again came back to SA for a more organized effort.
The situation now is different. The Durbin Grassely bill lobbyists are basically doing what has been happening in UK where local population do not want Asian immigrants taking high paying challenging jobs in their own soil. They don't seem to care if these jobs go away because the effect will be long term and as such it is a known fact that in these days, we seldom see the immigrant community having a good cooperation, every immigrant feels that one less immigrant, it is good for him.
This has been happening in every country where highly skilled migrants take job positions in countries like Aus, NZ, UK, Germany etc..
The US system is harder to crack for anti immigrants than these countries. So they follow this slow bleed approach. On the long run their objectives will be met though it would force out high skilled jobs abroad.
One good thing is that developing nations must capitulate on this and make their labor laws good and also copyright laws and patent laws so that innovation and products are developed in developing nations and so called developed nations will bleed technology and innovation.
It's up to individual situation and decision what to do next
Gandhi was never an immigrant and was in SA for solving a legal case on a temporary contract. He was always wanting to go back to India but because of the conditions of Indians, he was urged to stay back and help them, he actually went back in between and again came back to SA for a more organized effort.
The situation now is different. The Durbin Grassely bill lobbyists are basically doing what has been happening in UK where local population do not want Asian immigrants taking high paying challenging jobs in their own soil. They don't seem to care if these jobs go away because the effect will be long term and as such it is a known fact that in these days, we seldom see the immigrant community having a good cooperation, every immigrant feels that one less immigrant, it is good for him.
This has been happening in every country where highly skilled migrants take job positions in countries like Aus, NZ, UK, Germany etc..
The US system is harder to crack for anti immigrants than these countries. So they follow this slow bleed approach. On the long run their objectives will be met though it would force out high skilled jobs abroad.
One good thing is that developing nations must capitulate on this and make their labor laws good and also copyright laws and patent laws so that innovation and products are developed in developing nations and so called developed nations will bleed technology and innovation.
Berkeleybee
04-27 11:40 AM
Hi BerkleyBee
I totally understand that reporters may skew facts to their specific needs and know first hand that the EB-3 category is retrogressed across all nationalities. I am one of your members that is not from either background mentioned.
I was responding to a post on this forum (and not the press in general) that implied that this issue affects people from specific ethnic backgrounds, which is false.
I do have a general issue that people seem to forget that.
I applaud all core member efforts, however negative this post seems.
Respectfully
Franklin,
It is good to remind people about the facts every once in a while. :) Especially when they are carried away by the force of their own rhetoric. We always appreciate members doing that -- I just wanted to clarify that IV understands your point perfectly.
best,
Berkeleybee
I totally understand that reporters may skew facts to their specific needs and know first hand that the EB-3 category is retrogressed across all nationalities. I am one of your members that is not from either background mentioned.
I was responding to a post on this forum (and not the press in general) that implied that this issue affects people from specific ethnic backgrounds, which is false.
I do have a general issue that people seem to forget that.
I applaud all core member efforts, however negative this post seems.
Respectfully
Franklin,
It is good to remind people about the facts every once in a while. :) Especially when they are carried away by the force of their own rhetoric. We always appreciate members doing that -- I just wanted to clarify that IV understands your point perfectly.
best,
Berkeleybee
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virtual55
04-26 09:40 AM
Good Job Aman, Shilpa and Core Team.
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GotGC??
06-28 12:39 PM
makes sense...they are expecting alot of 140/485 combine filings in July and by issuing this bulletin they have stopped people from filing 140 in PP
When I saw the huge movement in June followed by the July bulletin, I'd thought to myself - it's a question of time before they suspend/terminate the 140 PP. The PP demand would come not from people who are filing 140/485 together (because that would be only people who just got the LCs) but rather people who had already applied 140 but not 485, or those who 140 is pending but 485 got current.
This change could at least benefit those who have a "normal" 140 in the pipeline, but that's doubtful because I'm sure these resources would get sucked into the tsunami of 485s in July.
The fact that it says they'll reconsider this after Aug 1 suggests that they do not anticipate too may 485 filings in Aug => chances of retrogression in Aug bulletin is now higher, if it does not retrogress mid-month!
When I saw the huge movement in June followed by the July bulletin, I'd thought to myself - it's a question of time before they suspend/terminate the 140 PP. The PP demand would come not from people who are filing 140/485 together (because that would be only people who just got the LCs) but rather people who had already applied 140 but not 485, or those who 140 is pending but 485 got current.
This change could at least benefit those who have a "normal" 140 in the pipeline, but that's doubtful because I'm sure these resources would get sucked into the tsunami of 485s in July.
The fact that it says they'll reconsider this after Aug 1 suggests that they do not anticipate too may 485 filings in Aug => chances of retrogression in Aug bulletin is now higher, if it does not retrogress mid-month!
bobzibub
08-18 04:23 PM
If we have children, I would prefer to have them at home.
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chanduv23
10-03 11:28 PM
^^^^^^^^^^
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belmontboy
03-15 11:39 PM
I already answered you. If it�s an accident I apologies.
By the way what you call them?
shoplifting is in "" (quotes). Don't waste ur time looking for literal meaning :)
By the way what you call them?
shoplifting is in "" (quotes). Don't waste ur time looking for literal meaning :)
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StarSun
05-10 10:31 AM
Sunday June 6th, Training will start from 10:30 am. (Venue will be announced later)
Monday June 7th, Meeting with the legislative offices
Tuesday June 8th, Press conference in the morning; meeting with legislative offices and a congressional reception that will run to around 10/11 pm. So please book your flights back home on red eye flights Tuesday night or early morning flights on Wednesday.
Monday June 7th, Meeting with the legislative offices
Tuesday June 8th, Press conference in the morning; meeting with legislative offices and a congressional reception that will run to around 10/11 pm. So please book your flights back home on red eye flights Tuesday night or early morning flights on Wednesday.
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mrajatish
03-28 12:16 AM
Guys,
First of all, please be decent to each other. Now, to the PBEC issue - this is a major problem, and a huge issue for all of us. Currently, the debate in Senate/Congress is centered around Immigration reform and this is a definitely a good time to raise these issues.
There are a few things we should strive for:
1. Keep all provisions of Specter's bill related to EB.
2. Re-instate per country soft limit.
If both of these provisions are passed, Priority dates for all countries will be current in EB2 and will rapidly move in EB3. A lot of folks in PBEC might be able to use PERM to apply another labor and priority dates will loose their importance, so it is important that these provisions pass.
First of all, please be decent to each other. Now, to the PBEC issue - this is a major problem, and a huge issue for all of us. Currently, the debate in Senate/Congress is centered around Immigration reform and this is a definitely a good time to raise these issues.
There are a few things we should strive for:
1. Keep all provisions of Specter's bill related to EB.
2. Re-instate per country soft limit.
If both of these provisions are passed, Priority dates for all countries will be current in EB2 and will rapidly move in EB3. A lot of folks in PBEC might be able to use PERM to apply another labor and priority dates will loose their importance, so it is important that these provisions pass.
more...
GCNirvana007
08-25 09:31 AM
65 pending cases for 2004 here. Even if we multiply by 10 - 650 cases?. Fair deal?
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sury
12-30 03:35 PM
It is impossible that US will break in 2010.
US will come back from recession/depression.
GOD BLESS AMERICA
US will come back from recession/depression.
GOD BLESS AMERICA
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sanju
01-15 01:21 PM
yeah.. So another reason to keep looking at the visa bulletins now. Once i get a GC I buy a house and get a gun. The american dream. ;-)
Thats my kind of dream. Just one addition to my list of things to do upon receiving my GC.
I will buy a house, get a gun and JOIN A LOCAL RELIGIOUS PLACE and choose my lord and savior. Hey, I want a passport to the heaven from here, I don't want to stand in green card line of heaven or go to hell.
BTW, move over here to WA state and you can buy a gun.
.
Thats my kind of dream. Just one addition to my list of things to do upon receiving my GC.
I will buy a house, get a gun and JOIN A LOCAL RELIGIOUS PLACE and choose my lord and savior. Hey, I want a passport to the heaven from here, I don't want to stand in green card line of heaven or go to hell.
BTW, move over here to WA state and you can buy a gun.
.
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frankiesaysrelax
11-04 09:20 AM
Check ICICI. I think it is called a NRE account. You can fund it in Dollars and Rupees and it could be repatriated in Dollars. So just open the account and have them deposit the monies India, you can draw it here. This kind of account is for NRI's who earn an income in India and want to access it here.
There is a limit I think but it must be like $25K..
Good Luck
Two years back the limit was $25,000 per year. It seems substantially higher now. I did it through a one stop process at ICICI. Not cumbersome at all.
I am not sure if it is as difficult as is everyone's impression in this thread.
http://www.icicibank.com/pfsuser/icicibank/depositproducts/outward_remittance/out_remittance.htm
BTW, I repatriated money from a resident Indian account (account that I opened when I was a resident). I did not personally get an RBI clearance etc.
There were strict repatriation rules in the days when $s were in demand in India. These days RBI wishes there were less $s in the market. One of the reasons why the outflow is liberalized.
Good Luck.
There is a limit I think but it must be like $25K..
Good Luck
Two years back the limit was $25,000 per year. It seems substantially higher now. I did it through a one stop process at ICICI. Not cumbersome at all.
I am not sure if it is as difficult as is everyone's impression in this thread.
http://www.icicibank.com/pfsuser/icicibank/depositproducts/outward_remittance/out_remittance.htm
BTW, I repatriated money from a resident Indian account (account that I opened when I was a resident). I did not personally get an RBI clearance etc.
There were strict repatriation rules in the days when $s were in demand in India. These days RBI wishes there were less $s in the market. One of the reasons why the outflow is liberalized.
Good Luck.
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immig4me
07-01 11:42 AM
Should we run another targeted phone campaign to the Republican Senators (the 11 that supported previous CIR)? IV team, let us know
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BharatPremi
10-10 08:25 PM
What do you mean "heart, mind, soul, ethics were sold"? How do you know that? Just because someone called the U.S president "his president" does not mean he/she sold anything, let alone someone's soul and ethics. That is their right to call the U.S president his or hers.
What you said is totally uncalled for. If you are so patriotic, why are you applying for a green card and going by your own words, doesn't that mean you sold your ethics, heart, mind and soul too?
Are you kidding us? I do not know what level of education you have achieved so far in your life but it looks like you are not enough educated to differentiate between the definitions of permanent residency, citizenship and perhaps working on work visa as far as legal stay in USA by outsider is concerned.
What would be the "legal" reply from US Supreme court,if you ask US supreme court that whether citizen of other country can call US president a "My president"? . And What would be the "legal" reply from Supreme court of country A,if you ask that whether citizen of country A can call US president a "his/her president"?
USA expects someone to abide by the land of the law while s/he come to US to work legally. And what is expected legally is one is not involved in "Anti USA" activity whatsoever it may be.USA legally never expects citizen of other country "to love" or "show fidelity" towards USA when s/he is still the citizen of other country.
PavanV is right in his argument, in a sense, that when some person is citizen of country A at this moment his/her fidelity naturally must be for his/her country A. This is the legally expected human behaviour in every society and country. It would have been perfectly o.k. and "legal" about rsharma's statement if he would have already been US citizen at the time when he stated what he stated.
Such ridiculous, unnatural, premature, unethical and spineless behaviour can only be shown by the people who are already morally sold.
First of all when somebody comes here in USA on work visa, s/he has come on invitation from USA base legal employer's willingness and is ethically, legally and morally obligated to provide professional class and quality of work for what s/he is hired. Nothing more or less is legally expected by USA and employment system within USA. USA and its whole society is well aware that these persons are citizen of other countries and so they never expects any kind of fidelity from them at least "legally" and at the same time they even do not grant the rights what US citizen nornmally have. Now out of that bunch many people prefer to go for permanent residency as permanent residency bring little bit stability in living and flexibility in employment and international travel. If one becomes a permanent resident of USA then also USA still only expects that person abide by the law of the land and do not involve in "anti USA" activity. It still does not expect "fidelity" towards USA in legal sense.There is no legal or social or political or any kind of pressure from USA or any governmental or non governmental institutes within USA on any particular person coming from other country to become its citizen. One can stay on permanent residency forever till death(At least based on current prevalent law) and legally work and s/he does not have to become a citizen for working legally. And I do not know about other countries but in India it is not considered "illegal" and/or "unpatriotic" to go in other country(Except Pakistan and Bangladesh) for legal work so coming to USA for legal work whether on work visa or becoming a permanent resident in USA while maintaining Indian citizenship simultaneously is not unpatriotic or illegal. Simultaneously USA's legal system allows an Indian to remain as citizen of India while residing in USA permanently for legal work.
Now if somebody decides to become a US citizen, there is nothing wrong in that. I do not see anything wrong when rsharma states that "I have decided to become US citizen in future". But if he is mature and human enough then his fidelity at this moment should be towards India (Assuming he is a citizen of India currently) as he is a citizen of India at this moment. Showing this kind of behaviour perhaps may not be a outright unpatriotic in terms of "Indianness" but it certanily signals probable but strong disloyality towards India.
And I do not think that USA citizens are that naive that they consider the people "not mingled" if citizen of other country do not call USA president a "My president" while holding the citizenship of other country.
If calling US president a "My President" by non citizens would be the barometer of "mixing" / "mingling" then USA would not be today's USA. So please do not kid USA and us .
What you said is totally uncalled for. If you are so patriotic, why are you applying for a green card and going by your own words, doesn't that mean you sold your ethics, heart, mind and soul too?
Are you kidding us? I do not know what level of education you have achieved so far in your life but it looks like you are not enough educated to differentiate between the definitions of permanent residency, citizenship and perhaps working on work visa as far as legal stay in USA by outsider is concerned.
What would be the "legal" reply from US Supreme court,if you ask US supreme court that whether citizen of other country can call US president a "My president"? . And What would be the "legal" reply from Supreme court of country A,if you ask that whether citizen of country A can call US president a "his/her president"?
USA expects someone to abide by the land of the law while s/he come to US to work legally. And what is expected legally is one is not involved in "Anti USA" activity whatsoever it may be.USA legally never expects citizen of other country "to love" or "show fidelity" towards USA when s/he is still the citizen of other country.
PavanV is right in his argument, in a sense, that when some person is citizen of country A at this moment his/her fidelity naturally must be for his/her country A. This is the legally expected human behaviour in every society and country. It would have been perfectly o.k. and "legal" about rsharma's statement if he would have already been US citizen at the time when he stated what he stated.
Such ridiculous, unnatural, premature, unethical and spineless behaviour can only be shown by the people who are already morally sold.
First of all when somebody comes here in USA on work visa, s/he has come on invitation from USA base legal employer's willingness and is ethically, legally and morally obligated to provide professional class and quality of work for what s/he is hired. Nothing more or less is legally expected by USA and employment system within USA. USA and its whole society is well aware that these persons are citizen of other countries and so they never expects any kind of fidelity from them at least "legally" and at the same time they even do not grant the rights what US citizen nornmally have. Now out of that bunch many people prefer to go for permanent residency as permanent residency bring little bit stability in living and flexibility in employment and international travel. If one becomes a permanent resident of USA then also USA still only expects that person abide by the law of the land and do not involve in "anti USA" activity. It still does not expect "fidelity" towards USA in legal sense.There is no legal or social or political or any kind of pressure from USA or any governmental or non governmental institutes within USA on any particular person coming from other country to become its citizen. One can stay on permanent residency forever till death(At least based on current prevalent law) and legally work and s/he does not have to become a citizen for working legally. And I do not know about other countries but in India it is not considered "illegal" and/or "unpatriotic" to go in other country(Except Pakistan and Bangladesh) for legal work so coming to USA for legal work whether on work visa or becoming a permanent resident in USA while maintaining Indian citizenship simultaneously is not unpatriotic or illegal. Simultaneously USA's legal system allows an Indian to remain as citizen of India while residing in USA permanently for legal work.
Now if somebody decides to become a US citizen, there is nothing wrong in that. I do not see anything wrong when rsharma states that "I have decided to become US citizen in future". But if he is mature and human enough then his fidelity at this moment should be towards India (Assuming he is a citizen of India currently) as he is a citizen of India at this moment. Showing this kind of behaviour perhaps may not be a outright unpatriotic in terms of "Indianness" but it certanily signals probable but strong disloyality towards India.
And I do not think that USA citizens are that naive that they consider the people "not mingled" if citizen of other country do not call USA president a "My president" while holding the citizenship of other country.
If calling US president a "My President" by non citizens would be the barometer of "mixing" / "mingling" then USA would not be today's USA. So please do not kid USA and us .
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amitjoey
05-14 04:04 PM
This thread is still relevant even after today's VB and even for folks with PD<Jun2003 so just /\/\/\/\/\/\/\/\ up :)
We need the funds and the media attention now, more than ever before.
We need the funds and the media attention now, more than ever before.
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terriblething
06-12 12:20 PM
In our pre-trial conference, we don't have chance to say any words in our case. Judge only asked my wife if she need no-contact or peaceful contact with me. My wife said no for either. But that DA still insist peaceful contact. Finally judge set peaceful contact for us.
SO far my wife's police statement is only words from her. Definitely my wife support me, she even asked my attorney if she plead guilty to peace disturbance, is that possible to dismiss my battery charge. Sure I don't want to risk her for any bad record. I will say we are in good marriage although we play around all the time. (Definitely we much careful since that terrible event)
Is that useful we find some witness, my wife's colleague and friends to demonstrate we are in good relationship?
Thanks!!!
Dude r u kidding? :eek:
If your wife say's it was a bad joke, then the whole case is over?
SO far my wife's police statement is only words from her. Definitely my wife support me, she even asked my attorney if she plead guilty to peace disturbance, is that possible to dismiss my battery charge. Sure I don't want to risk her for any bad record. I will say we are in good marriage although we play around all the time. (Definitely we much careful since that terrible event)
Is that useful we find some witness, my wife's colleague and friends to demonstrate we are in good relationship?
Thanks!!!
Dude r u kidding? :eek:
If your wife say's it was a bad joke, then the whole case is over?
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gc28262
01-14 02:33 PM
H1b and Green cards are allowed to have out of country stays. so if you are out of country for less than six months, it may still be considered as continuous stay. the intent of writing the word "continuous" is to declare that at any point, the immigrant had no intentions to leave the country and relinquish his immigrant status. for the legal immigrant, that should be acceptable.
Sec. 245B. (a) In General- The Secretary of Homeland Security may adjust the status of an alien to that of an alien lawfully admitted for permanent residence if the alien-
(1) was physically present in the United States for a continuous period of not less than 5 years immediately preceding the date on which this provision was enacted and has maintained continuous physical presence since then
(b) Treatment of Brief, Casual, and Innocent Absences- An alien shall not be considered to have failed to maintain a continuous presence in the United States for purposes of subsection (a)(1) by virtue of brief, casual, and innocent absences from the United States.
b) accounts for the temporary absences of alien
Sec. 245B. (a) In General- The Secretary of Homeland Security may adjust the status of an alien to that of an alien lawfully admitted for permanent residence if the alien-
(1) was physically present in the United States for a continuous period of not less than 5 years immediately preceding the date on which this provision was enacted and has maintained continuous physical presence since then
(b) Treatment of Brief, Casual, and Innocent Absences- An alien shall not be considered to have failed to maintain a continuous presence in the United States for purposes of subsection (a)(1) by virtue of brief, casual, and innocent absences from the United States.
b) accounts for the temporary absences of alien
go_guy123
07-02 11:07 AM
Ombudsman mentioned that "visa wait-times within some preference categories
for certain nationals may exceed 10 years."
http://www.dhs.gov/xlibrary/assets/cisomb_annual_report_2009.pdf
I think the OP has some valid points. Certainly recapture lawsuit may work as the law does not say that allocated EB visas expire. Do not listen to nay-sayers, just do it.
Here is one example of the succsessfull class-action (even though the court case died in a court of appeals, it was beneficial to immigrants):
http://www.ailf.org/lac/chdocs/lac_020905.pdf
Excellent find, lazycis !!!!!
This can be a good precedent case for class action lawsuit. Because law never says that
EB visa quota gets lost if unused.
for certain nationals may exceed 10 years."
http://www.dhs.gov/xlibrary/assets/cisomb_annual_report_2009.pdf
I think the OP has some valid points. Certainly recapture lawsuit may work as the law does not say that allocated EB visas expire. Do not listen to nay-sayers, just do it.
Here is one example of the succsessfull class-action (even though the court case died in a court of appeals, it was beneficial to immigrants):
http://www.ailf.org/lac/chdocs/lac_020905.pdf
Excellent find, lazycis !!!!!
This can be a good precedent case for class action lawsuit. Because law never says that
EB visa quota gets lost if unused.
chanduv23
09-22 02:37 PM
My I485 is still pending (> 180 days filed on July27th '07). I have my renewed EAD valid for the next 2 years. I have been out of project for 4 months and my employer , who filed my GC, terminated my health coverage too. Iam using my COBRA option.
Recently, i have applied for a perm position using EAD . I explained to the client about by current status of GC. They wanted to know what they are supposed to do for it. I told them i need to 'invoke' a law called AC21.(pardon my ignorance if iam wrong) inorder to transfer my pending application.
Now the big question is, how do i initiate this whole process?
I really apreaciate all your suggestions.
Invoking AC21 is easy, but you need to know what you can expect and how to resolve it
(1) If you decided to change to new employer using EAD - there is nothing you need to do. Just join and work.
(2) As employer is asking what they need to do - tell them they need to provide an AC21 letter of support - you can find various formats on the web.
(3) Your new job must be in same or similar category.
(4) Call customer service to verify your address on file - also hire a personal attorney and make sure they file g 28 and have them on file too for USCIS communication
(5) Your AC21 letter may/may not reach your file depending on the service center, officer and a lot of other factors.
(6) Usually most AC21 cases go through just fine unless your ex employer requests a revoke on i 140 - in such a situation you may get an RFE, NOID or a straight denial on 485 - nothing to worry about - you can resolve all these and you will find yourself back on track.
Hope this helps
Recently, i have applied for a perm position using EAD . I explained to the client about by current status of GC. They wanted to know what they are supposed to do for it. I told them i need to 'invoke' a law called AC21.(pardon my ignorance if iam wrong) inorder to transfer my pending application.
Now the big question is, how do i initiate this whole process?
I really apreaciate all your suggestions.
Invoking AC21 is easy, but you need to know what you can expect and how to resolve it
(1) If you decided to change to new employer using EAD - there is nothing you need to do. Just join and work.
(2) As employer is asking what they need to do - tell them they need to provide an AC21 letter of support - you can find various formats on the web.
(3) Your new job must be in same or similar category.
(4) Call customer service to verify your address on file - also hire a personal attorney and make sure they file g 28 and have them on file too for USCIS communication
(5) Your AC21 letter may/may not reach your file depending on the service center, officer and a lot of other factors.
(6) Usually most AC21 cases go through just fine unless your ex employer requests a revoke on i 140 - in such a situation you may get an RFE, NOID or a straight denial on 485 - nothing to worry about - you can resolve all these and you will find yourself back on track.
Hope this helps
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