Canadian_Dream
11-26 01:57 PM
Punjabi77,
Here is a list of things you can do to protect and improve you cash cushion (and may be avoid foreclosure)
1. If you drive one of those luxury cars that cost upwards of 25K and have paid it off. Get rid of it now. These cars depreciate more in dollar terms compared to cheaper cars. Buy a less expensive, no frill used car for 9-10K, put the difference in bank. That might bring in 10K of much needed cash. Even if you have not paid it off look for deals to sell and reduce your monthly payments.
2. Open an account at quicken online (http://quicken.intuit.com/online-banking-finances.jsp) it is free. Connect your banks and monitor ALL your expenses carefully. Find out what portion of spending is discretionary and cut down on it.
3. Hunt coupons, shop at Costco/Walmart (even if you hate the shopping experience). Avoid brand names and stick to Kirkland/Great Value. This might save you in monthly expenses.
4. Also, you can add cash by working part-time. I am not talking about those hard to come software moonlighting jobs. Any job that pays 10-12 an hour will add 12 x 4hr x 5days x 4 Weeks = $960 per month.
5. If you live in a duplex with a bathroom/bedroom downstairs, you can rent it to someone from local college/university. Underbid by quoting super low rent on craigslist and you can get $400-500 per month.
6. Use online services like LegalZoom (or Prepaid legal from work) to prepare contracts for rentals etc.
7. Cut down on travel/eating out and anything that you can live without. A little cash could go a long way.
Also, when it is hard to stay put and make payments, always remember there is a silver lining in owning a house too. If there is a hyper inflation (which is very likely) rents will sky rocket and salary might go up to keep pace with it, but your home mortgage frozen in time for next 20-30 years will remain unchanged and you could potentially have lower monthly expenses compared to renters. That's a bright side of staying put.
Hope things workout for you. Good Luck.
Here is a list of things you can do to protect and improve you cash cushion (and may be avoid foreclosure)
1. If you drive one of those luxury cars that cost upwards of 25K and have paid it off. Get rid of it now. These cars depreciate more in dollar terms compared to cheaper cars. Buy a less expensive, no frill used car for 9-10K, put the difference in bank. That might bring in 10K of much needed cash. Even if you have not paid it off look for deals to sell and reduce your monthly payments.
2. Open an account at quicken online (http://quicken.intuit.com/online-banking-finances.jsp) it is free. Connect your banks and monitor ALL your expenses carefully. Find out what portion of spending is discretionary and cut down on it.
3. Hunt coupons, shop at Costco/Walmart (even if you hate the shopping experience). Avoid brand names and stick to Kirkland/Great Value. This might save you in monthly expenses.
4. Also, you can add cash by working part-time. I am not talking about those hard to come software moonlighting jobs. Any job that pays 10-12 an hour will add 12 x 4hr x 5days x 4 Weeks = $960 per month.
5. If you live in a duplex with a bathroom/bedroom downstairs, you can rent it to someone from local college/university. Underbid by quoting super low rent on craigslist and you can get $400-500 per month.
6. Use online services like LegalZoom (or Prepaid legal from work) to prepare contracts for rentals etc.
7. Cut down on travel/eating out and anything that you can live without. A little cash could go a long way.
Also, when it is hard to stay put and make payments, always remember there is a silver lining in owning a house too. If there is a hyper inflation (which is very likely) rents will sky rocket and salary might go up to keep pace with it, but your home mortgage frozen in time for next 20-30 years will remain unchanged and you could potentially have lower monthly expenses compared to renters. That's a bright side of staying put.
Hope things workout for you. Good Luck.
wallpaper Icon Award 2011, Lady Gaga
factoryman
05-21 08:47 PM
Be ready with the following supporting documents. My attorney asked the following:
1. Personal Details -
(Travel Plans in the next 3 months, Moving Plans in the next 6 months, Contact Information, Passport and I-94 info, Employment Hisotry - Last 5 years+ Last job ouside US, Residence History - Last 5 years + last residence outside US, LC, I-140, EAD and details, and a few other questions, etc)
2. Passport copies- all pages, current, all old.
3. All I-20, I-94, I-797, LC, I-140 copies
4. Birth Certificates or Birth Affidavits
5. Marriage Certificate or Marriage Affidavits -
6. Sealed Medical Exam Cover - I-693
7. 6 photos for adults ( 4 if under 14)
8. Photocopy of current I-94
9. Divorce Certificate (if applicable)
Happy Filing.
Friends,
With the June visa bulletin, my priority date became current. My Labor and 140 already approved. When can I apply for I485? After May 31 or before May 31.
Thanks for your help.
RAJ
1. Personal Details -
(Travel Plans in the next 3 months, Moving Plans in the next 6 months, Contact Information, Passport and I-94 info, Employment Hisotry - Last 5 years+ Last job ouside US, Residence History - Last 5 years + last residence outside US, LC, I-140, EAD and details, and a few other questions, etc)
2. Passport copies- all pages, current, all old.
3. All I-20, I-94, I-797, LC, I-140 copies
4. Birth Certificates or Birth Affidavits
5. Marriage Certificate or Marriage Affidavits -
6. Sealed Medical Exam Cover - I-693
7. 6 photos for adults ( 4 if under 14)
8. Photocopy of current I-94
9. Divorce Certificate (if applicable)
Happy Filing.
Friends,
With the June visa bulletin, my priority date became current. My Labor and 140 already approved. When can I apply for I485? After May 31 or before May 31.
Thanks for your help.
RAJ
pappu
09-09 11:39 AM
You are not alone. This might help (posted by IV member never_give_up:
To all others like me, who are hesitant and are not sure about the talking points. Below is something that can help.
You would most likely be talking to a person taking messages and not the congressman/woman directly.
And you also dont have to explain them the details of the bill, as they are very well aware of it. All you have to tell them is it is about HR5882.
After one or 2 calls, my message was standardized and this is what I used in all the calls.
Good Morning. I am calling in regards to the bill HR5882. (Pause for the other person to give you a go ahead and then continue). I would like to express my support for the bill and would like to request the support of Congressman/woman for the bill. If you can pass the message to the Congressman/Woman, that will be greatly appreciated.
Thank You and have a Great Day.
Some of the offices will ask you for your phone number and address, go ahead and give it to them. No harm.
And some might ask you where you are calling them from. My reply to them was - I am calling from the state of VA. I also reached out to my district's congressman, but also wanted to request the support of Congressman XXXX and so am calling your office.
I was initially hesitant and was not sure as to how to put it together, but it was real eazy and quick. After some calls, I even called up people who do not suppor this like Steve King, etc. It was only a matter of a call and letting them know our opinion. All that I lost was 2 minutes of my time and no money for my unlimited phone plan.
Not sure how much help it will be, but surely cannot hurt. It would atleast draw their attention due to the large call volume. Yes, some offices told me that they were receiving lot of calls for this bill.
So go on... do your part.
To all others like me, who are hesitant and are not sure about the talking points. Below is something that can help.
You would most likely be talking to a person taking messages and not the congressman/woman directly.
And you also dont have to explain them the details of the bill, as they are very well aware of it. All you have to tell them is it is about HR5882.
After one or 2 calls, my message was standardized and this is what I used in all the calls.
Good Morning. I am calling in regards to the bill HR5882. (Pause for the other person to give you a go ahead and then continue). I would like to express my support for the bill and would like to request the support of Congressman/woman for the bill. If you can pass the message to the Congressman/Woman, that will be greatly appreciated.
Thank You and have a Great Day.
Some of the offices will ask you for your phone number and address, go ahead and give it to them. No harm.
And some might ask you where you are calling them from. My reply to them was - I am calling from the state of VA. I also reached out to my district's congressman, but also wanted to request the support of Congressman XXXX and so am calling your office.
I was initially hesitant and was not sure as to how to put it together, but it was real eazy and quick. After some calls, I even called up people who do not suppor this like Steve King, etc. It was only a matter of a call and letting them know our opinion. All that I lost was 2 minutes of my time and no money for my unlimited phone plan.
Not sure how much help it will be, but surely cannot hurt. It would atleast draw their attention due to the large call volume. Yes, some offices told me that they were receiving lot of calls for this bill.
So go on... do your part.
2011 Lady Gaga fashion icon
bitzbytz
03-29 06:10 PM
Ha Ha Ha Ha Ha Ha Ha Ha Ha Ha Ha Ha Ha Ha
:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D
I hope you got my sarcasm
:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D
I hope you got my sarcasm
more...
ndialani
10-23 02:41 PM
Did you send 7001 to Ombudsman? So, Ombudsman is also hopeless?
Did you call them to find out the status? Here is Om's #, in case you don't know: 202-282-8000. Call them and update us as well.
[/QUOTE]
Thanks Fatjoe,
I just mailed #7001 last week. Thanks fo rthe phone #, i will try calling it.
Did you call them to find out the status? Here is Om's #, in case you don't know: 202-282-8000. Call them and update us as well.
[/QUOTE]
Thanks Fatjoe,
I just mailed #7001 last week. Thanks fo rthe phone #, i will try calling it.
old_hat
05-09 12:21 PM
I also saw a quote from one of the Indian offshoring company CEOs that only 25% of Indian engineers are employable. "
The percentage of people here are a very small percentage of that 25%.
If H1/L1 visa is restricted, that will give an incentive for americans to acquire a degree in science/engineering, just like the indian students taking courses in india offering a better ROI, as they get the feeling that they won't be discriminated in a job and investing $$$ in education is not going to be wasted.
H1/L1 restrictions are not going to encourage american kids. It does not impact their thinking. Maths, science are tougher subjects for kids. Kids in India were pushed by their parents to study science in search for a good career. Kids here have a lot other avenues which are more attractive to a kid. Kids do not understand L1/H1. 90% of adult population here does not understand H1/L1. REstricting H1/L1 will not influence a kid to take up science and engineering.
The percentage of people here are a very small percentage of that 25%.
If H1/L1 visa is restricted, that will give an incentive for americans to acquire a degree in science/engineering, just like the indian students taking courses in india offering a better ROI, as they get the feeling that they won't be discriminated in a job and investing $$$ in education is not going to be wasted.
H1/L1 restrictions are not going to encourage american kids. It does not impact their thinking. Maths, science are tougher subjects for kids. Kids in India were pushed by their parents to study science in search for a good career. Kids here have a lot other avenues which are more attractive to a kid. Kids do not understand L1/H1. 90% of adult population here does not understand H1/L1. REstricting H1/L1 will not influence a kid to take up science and engineering.
more...
babu123
06-29 03:44 PM
He said it is a rumor right :-)
2010 Lady Gaga attends the 2011
shahuja
02-08 02:26 PM
I had my interview for an H1-B at N. Delhi consulate on December the 5th, 2007. The consulate officer told me it needs administrative processing and gave me a pink slip. I was also told that it may take anywhere from few days to 7-8 weeks. Today is February the 8th, 2008, and am still waiting on my visa. So if its any consolation to you stuck_here, I'm stuck here for almost 65 days now. Given that I have a PhD in Chemical Engineering, I might have fallen under the Technology Alert List, but, still, the wait time seems ridiculous. Any ideas from anyone about if there is anything I can do on my part to expedite the matters? Thanks.
hi mamit, is this yourfirst time H1B or renewal..and are you doing anything to help this situation ?? like calling what nymbers ?? and did they tell you it was TAL and were you told why the delay is ??
hi mamit, is this yourfirst time H1B or renewal..and are you doing anything to help this situation ?? like calling what nymbers ?? and did they tell you it was TAL and were you told why the delay is ??
more...
wandmaker
08-07 09:40 AM
Ths poll should be changed to
Do you want to turn into an anti-immigrant when you get your greencard?
Yes I am in
No I am out
Shame on those who votes yes.
We said
Do you want to turn into an anti-immigrant when you get your greencard?
Yes I am in
No I am out
Shame on those who votes yes.
We said
hair LADY GAGA
Ramba
08-22 04:34 PM
"...after further review, additional legislation, and consultation with Congress, they concluded that they have to allocate the fall across within individual preference petitions first..."
I wonder what additional legislation he is talking about here.
-----It is AC21 Act.
Was there anything new we know about? If consultation means finding the intent of congress I wonder how much of it is BS.
This whole thing does not look objective. Even if it is, in all likelihood we are getting screwed by something that can possibly be changed again under the right circumstances.
--
I wonder what additional legislation he is talking about here.
-----It is AC21 Act.
Was there anything new we know about? If consultation means finding the intent of congress I wonder how much of it is BS.
This whole thing does not look objective. Even if it is, in all likelihood we are getting screwed by something that can possibly be changed again under the right circumstances.
--
more...
Amma
10-31 08:29 PM
I have done my part.
hot Lady Gaga - 2011 CFDA Fashion
ek_bechara
08-07 02:37 AM
North Indian/ South Indian, Marathi/Bihari, ABCD/FOB and now US educated EB2 Indians / others. How far are we going to go to showcase our differences?
My friend: We are one people. We all came to the US with similar dreams. There are many who came before us and are patiently waiting their turn. The issue is not yours or mine, its OURS. It is our duty to fight this injustice and provide equal access to all. Learn a lesson from the jewish community. They pretty much run this country.
I'm EB2/ Masters from US school and in my seventh year H1-B.
My friend: We are one people. We all came to the US with similar dreams. There are many who came before us and are patiently waiting their turn. The issue is not yours or mine, its OURS. It is our duty to fight this injustice and provide equal access to all. Learn a lesson from the jewish community. They pretty much run this country.
I'm EB2/ Masters from US school and in my seventh year H1-B.
more...
house Lady Gaga
vshar
08-20 03:11 PM
I also just changed my plan from unlimited residential to world. Wow.
Now lets see how is the call quality to India.:)
Now lets see how is the call quality to India.:)
tattoo What do you think of Gaga#39;s
drona
07-11 12:19 AM
You are missing the "Support from Bollywood" article from your website! We will keep reporting here. Thanks for doing a great job.
more...
pictures 2011 CFDA Fashion Awards,
punjabi
04-05 04:04 PM
Most of the hype is being created by the immigration law firms and attorneys, rather than DOS or USCIS. They are after the dough!
The news might just bring relief to many people, but look at who is creating the most of the hype - it's attorneys.
The comments in this update kind of seem contradictory to me. It says that there might be possibility for greater advancement than earlier thought... and then they talk about moving it back.
Whatever it is..I don't know why they are creating so much publicity about this bulletin. Does it mean they are going to advance the dates by a couple of years??? If it was for a few months why would they create so much hype about this?
The news might just bring relief to many people, but look at who is creating the most of the hype - it's attorneys.
The comments in this update kind of seem contradictory to me. It says that there might be possibility for greater advancement than earlier thought... and then they talk about moving it back.
Whatever it is..I don't know why they are creating so much publicity about this bulletin. Does it mean they are going to advance the dates by a couple of years??? If it was for a few months why would they create so much hype about this?
dresses Lady GaGa Glams Up at CFDA
karl65
03-26 11:15 AM
Unfortunately there is no law that clearly prohibits descrimination based on visa status (at least I am not aware of one). In fact the legal pressure is just for the opposite, that puts additional burden on the companies to make effort in hiring local workers first. The corporation can always say they have a policy to not hire someone with temporary work permit and there is no law against it. It is sad but that's how it is.
Yes there is one. I was teaching Consumer Ed for ELL students (at high school level) and we were studying how to deal with interviews. According to the law (please refers to DOL agencies- They can help you) NO BODY can ask you if you are a citizen or legal resident during an interview. They can only ask you if you are authorized to work in USA legally. If they ask you if you are a citizen it is discriminatory and you have the right to do not answer explaining your rights. A good HR guy knows about that!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
So this guy from Capital One made a huge mistake to mention the EAD (he could be fired because repercussion of this email. Of course they can discriminate when they are going to make a final desition.It happens in USA a lot. If you have a pregnant woman probably you are going to choose one who is not. But this is not the point. The point is that if you tell the girl sorry but we don’t hire pregnant women they are death!!!!!
Please find more information at DOL website. Many Universities have fliers explaining your rights in HR office.
Yes there is one. I was teaching Consumer Ed for ELL students (at high school level) and we were studying how to deal with interviews. According to the law (please refers to DOL agencies- They can help you) NO BODY can ask you if you are a citizen or legal resident during an interview. They can only ask you if you are authorized to work in USA legally. If they ask you if you are a citizen it is discriminatory and you have the right to do not answer explaining your rights. A good HR guy knows about that!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
So this guy from Capital One made a huge mistake to mention the EAD (he could be fired because repercussion of this email. Of course they can discriminate when they are going to make a final desition.It happens in USA a lot. If you have a pregnant woman probably you are going to choose one who is not. But this is not the point. The point is that if you tell the girl sorry but we don’t hire pregnant women they are death!!!!!
Please find more information at DOL website. Many Universities have fliers explaining your rights in HR office.
more...
makeup Lady Gaga CFDA Fashion Awards
RDB
11-25 04:52 PM
In principle, I agree with you that we are responsible for what we 'sign up' for and shouldn't back away from that. But, your example is a little bit off as in nobody is asking back money from the mortgage which is already paid (akin to the difference in gas prices that you mentioned), the interest rate could change and we are liable to pay the difference in the mortgage payments due that fluctuation - the thing here is the base value of your asset. As a hypothetical example (because vehicle prices always depreciate, so please ignore the reality), let's say you bought that Gas guzzling SUV at 50k and now suddenly after 2 years, due to whatever reason, you go and try to sell the same SUV to the same dealer and he quotes you 5k. Wouldn't you fault that dealer for selling you the same thing at 50k when the actual value of the same asset 2 year back was 5k (but he sold you at 50k and you have only paid back 10k in monthly installments until now). Who is to blame for that 35k deficit? You? Forget the monthly payments here and concentrate on the actual asset value.
As mentioned above, I do agree that we are liable for what we do in life and one has to stand up for his/her deeds - but at the same time, and I again argue the same point, that the greedy people on wall st. and lending institutions are largely responsible for this mess - imagine if they had never sold you the asset for 50k, which is a bloated amount for that particular asset and the sad part in this is that the lender lends out the money knowing all this.
Hmm interesting.
So if I buy a gas guzzling SUV/Truck and the price of it goes down to 1/4 because of soaring oil prices, I guess dealer should pay me back the 3/4 because it is not my fault. Right ?
And if I bought used Hybrid which is now selling like hot cakes and I make a profit I must redeem it to the car dealer. Because I made money I didn't anticipate. Also, my 401K losses should be returned back because it isn't my fault the stocks are loosing value. The price of gas I paid this summer was twice what I am paying now, so I must get back the money I spent this summer, because it is not my fault that there has been fluctuations in the oil prices.
Well, if only it were that simple. That's not how the system works, although you would want to be that. When you sign the dotted line you are in the binding contract and from then on profits, losses and fire sale is all yours.
You have to live up to what you have signed or next time around you signature will not be honored.
As mentioned above, I do agree that we are liable for what we do in life and one has to stand up for his/her deeds - but at the same time, and I again argue the same point, that the greedy people on wall st. and lending institutions are largely responsible for this mess - imagine if they had never sold you the asset for 50k, which is a bloated amount for that particular asset and the sad part in this is that the lender lends out the money knowing all this.
Hmm interesting.
So if I buy a gas guzzling SUV/Truck and the price of it goes down to 1/4 because of soaring oil prices, I guess dealer should pay me back the 3/4 because it is not my fault. Right ?
And if I bought used Hybrid which is now selling like hot cakes and I make a profit I must redeem it to the car dealer. Because I made money I didn't anticipate. Also, my 401K losses should be returned back because it isn't my fault the stocks are loosing value. The price of gas I paid this summer was twice what I am paying now, so I must get back the money I spent this summer, because it is not my fault that there has been fluctuations in the oil prices.
Well, if only it were that simple. That's not how the system works, although you would want to be that. When you sign the dotted line you are in the binding contract and from then on profits, losses and fire sale is all yours.
You have to live up to what you have signed or next time around you signature will not be honored.
girlfriend 2011 CFDA Fashion Awards
eb_retrogession
01-31 03:51 PM
Bush expected to steer speech away from migrant reform
By Louie Gilot
El Paso Times, January 31, 2006
http://www.elpasotimes.com/apps/pbcs.dll/article?AID=/20060131/NEWS/601310338/1001
By Louie Gilot
El Paso Times, January 31, 2006
http://www.elpasotimes.com/apps/pbcs.dll/article?AID=/20060131/NEWS/601310338/1001
hairstyles 2011 CFDA Fashion Awards
Libra
01-09 03:35 PM
bump....to keep this thread on top
sanjeev_2004
10-08 09:20 PM
One idea is to give GC to AOS applicants regardless of namecheck result, if all
other security checks are OK and let the namecheck run in background . If the namecheck turns out critical , cancel the GC & deport the applicant.
But USCIS and lawyers will loose big time , because of reduced demand for APs,EADs etc.
Lets add this in IV action Item.
other security checks are OK and let the namecheck run in background . If the namecheck turns out critical , cancel the GC & deport the applicant.
But USCIS and lawyers will loose big time , because of reduced demand for APs,EADs etc.
Lets add this in IV action Item.
alias
08-07 02:29 PM
If someone is smarter to get his way ahead of me, it is good for him/her. I cannot blame my status on someone else's intelligence/ smartness. If I do not know how to play the game, it is my problem (it actually is, hence I am stuck). But that is OK. I am happy the way I am.
I like what you say. That attitude helps long-term for leadership! Selfishness and mean attitude is only shortsightedness.
I like what you say. That attitude helps long-term for leadership! Selfishness and mean attitude is only shortsightedness.
No comments:
Post a Comment