Saturday, June 18, 2011

quotes and sayings about dreams

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  • sledge_hammer
    07-15 07:58 AM
    hopein07,

    Many people that buy term insurance are not paying more premium so that the savings between term and whole can be invested in equities. This is the norm in the US. In India it is true that ALL your assets "could" end up in real estate. So for a person that intends to live here until old age will have cash and or equities. Financial planners reccommend term because one would need the coverage until a major mile stone in life is reached - paying off home mortgage, children completing college education, etc.

    I have done some research and MOST financial planners suggest to get term insurance. They say not to mix insurance with investment. Statistically, if you buy whole life, the rate of return is negligible because so much is eaten away in fee and admin charges.

    The only issue here is that Term will cover you till the age of 60-65 if you get 20-30 year fixed rate policy. But if you still have immovable assets at age 65, which you surely will, that you need protected for your dependents then you will not have any coverage at all because Term will last only its stated duration. If saving/investing during young age is the objective then Term is good, no doubt, because it's cheap and covers you from risk during young working years. But I guess no company gives Whole Life on H1 so there's not any other option.





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  • jackisback
    04-05 01:16 AM
    anyone?





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  • 21stIcon
    02-19 12:59 PM
    Folks,
    I bought whole life insurance for my wife year ago for $300k from PRUDENTIAL, monthly premium is $116/month but $72 went to admin. and tran. charges. Although I paid $1276 last year, my balance was $476 after 25.2 % return on funds. whole life has surrender charges apart from hefty financial charges ,so you can not withdraw when you want.

    I took $1500 loss and canceled my whole life insurance policy since I do not want to waste 70% of my premium as a financial charges.you are feeding for a company and agent s getting heavy commission on this.

    Buy term life insurance and invest in Vanguard Index funds for investment purpose.





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  • casinoroyale
    09-05 03:48 PM
    This is what written in I-131 Instructions
    http://www.uscis.gov/files/form/I-131instr.pdf -> page 3

    If you are in the United States and seek advance parole:
    A. You may apply if you have an adjustment- of- status application pending and you seek to travel abroad for emergent personal or bona fide business reasons; :mad:



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  • thomachan72
    12-31 10:31 AM
    Hi Thomachan thanks for the good advice but just curious; Do you really practice what you preach??:confused:





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  • eb3retro
    04-08 02:59 PM
    Going back might be a good call. But the truth is, no matter how much money you got, how secured you are, the bottom-line is that the call has to come from the individual.

    I will share my concern. I was 23 when I moved here and I already spent 10 years of prime life here in this country. After finishing my college, I worked in India for a year and half, and as any young adult I grew up thinking one day, I will change the way life operates in India. There is a system which operates India. It is powerful, normal human like you and I cannot overcome the system. People like Gandhi could, they are willing to sacrifice them self for the best of others. Or you could people like our current politicians who know how to work the system. People like lallu, Jaya, Karunanidhi, Naidu etc, they grew up as a part of the system. For them even when killing someone, they might not feel the remorse. But you and I cannot even bribe without feeling bad, which is good. But the question is how long can you sustain that? I am not 23 anymore; Now, I know what responsibility is all about. I have 2 kids; I don�t know whether I am hard enough to fight the system at this current stage of my life.

    There is a famous quote, which states that there is a breaking point for every human, once we are pushed beyond that point, your action does not originate from your brain. In other words you will become part of the system.

    For me this is the main concern. When I talk to people here who wants to go back, they say that they will buy a house in some close community and they will live a happy life inside. For me that�s a fools dream. You cannot shut off from others, may be for a month or two, soon you have to face the real world.

    So the answer for your question like in this question. How are you going to handle the system in India? I do not believe that things will change. May be in 25 years; Not anytime soon. So until then you have to live a life where in you have to adjust to the system.

    I do not have an answer to the question. How will I manage the day to day life? If you know the answer let me know

    - ;)

    cant agree with u more on this..



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  • h1bmajdoor
    04-29 08:52 AM
    came across "www.desicrunch.com" !! reviews on this website are streotype but if used honestly it could be useful to the community.


    google it...

    i know desi crunch.

    in my humble opinion, we will never find justice and fairness here. UK has already moved in that direction as well. at the rate it is going, every year the GC queue gets longer by _seven_ years.

    what is the point of giving me a GC when i'm 70 years old? I've been enslaved all my productive life. What'll i do with a GC in a senior citizen's home?

    sadly, the main instrument in our exploitation have been other desis. people at work use my work to become CTOs. i get 500 buck a _year_ increase. when i complain they say "indians can't talk" so they can't rise. what crap. I've lived all over the world and no one ever said i could not talk. they just want to come up with ways to take credit of your work.

    tell me, would they ever let a new mexican (even if he is a genius), work in anything except washing dishes or a pizza shop?

    Since we cannot vote, and don't have enough money to lobby (bribe) the politicians, we're orphans here. here money talks, BS walks.

    a gori told me once - 10 years ago indians used todrive mercedes, now most of them seem poor, now russians drive mercedes. i told her, indians are poor because by law most of them are forbidden from doing anything else except what the govt authorises them to do. russians come direct on GC. land of opportunity, right.

    Guys, write to the Indian parliament, Indian foreign ministry, prime minister. I know they're useless, but they're good at shaming others, especially goras. if we can't get justice, at least we can get some satisfaction by shaming these a**holes.





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  • gcnotfiledyet
    02-25 11:37 AM
    Change the language and target too. I am thinking to draft a letter to send Home Builder Assoc and Car companies that I am not able to buy Home and Car because I am not getting loan. I need a car and home as I am paying rent every month around 1500. I am willing to pay 25% down and have credit score more than 700. No any kind of violation. Paied off first car loan. I am experienced enough to find another job in such bad economy. The only thing that I dont have is GC for which I am waiting for last 8 years. If I get GC probably I will get good loan faster and cheaper. If you lobby for us for GC probably not only me many other immigrant will get loans.

    Never ever mention that it will improve economy.

    Waiting for comments.

    I like this idea of getting assistance from lobbyists in HBA and other assoc. They already have established their presence in Washington. If we can sell them this plan, I think something can be done. We need a horse to ride to DC.



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  • webm
    05-13 03:46 PM
    One interesting point that came out of that recent hearing.

    PD movement results in both 485 approvals + new 485 filings. CIS blames backlogs partly due to the policy that allows 485 filing whenever PDs are current. if PD movement results in 5 approvals, it also results in 10 new 485 filings and thus a backlog is built over which they have no control.

    So in their opinion, PD movement should only control approvals & 485 filings should be controlled separately. If this happens, there would no backlogs and no one will ask them any questions or drag them to court for hearings!

    I agree with you!!:)..

    Question is when this can happen..a big Q to uscis..Obviously we know they dont respond it for such proper processing and fair justice..





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  • vthattik
    04-12 11:18 AM
    I too just signed up for $20 recurring contribution.



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  • sledge_hammer
    03-19 10:44 AM
    I have to agree. One has to be extra careful in such matters as it is a tendency of the "majority" to always point fingers at the "minorities" by generalization. What some may think of as advice in a shoplifting case could be very easily misinterpreted as "support" in the eyes of the antis.

    Moreover, the OP has not once been apologetic to his actions rather he is trying to rationalize his actions by accusing everyone of stealing office supplies.

    I have stayed away from answering to his post as you can already see!

    You are trying to defend a criminal and thus some people objected to it. Crimes by immigrants, whatever they maybe bring bad repute to their country and the immigrant community.





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  • AGC4ME
    04-08 03:12 PM
    Going back might be a good call. But the truth is, no matter how much money you got, how secured you are, the bottom-line is that the call has to come from the individual.

    I will share my concern. I was 23 when I moved here and I already spent 10 years of prime life here in this country. After finishing my college, I worked in India for a year and half, and as any young adult I grew up thinking one day, I will change the way life operates in India. There is a system which operates India. It is powerful, normal human like you and I cannot overcome the system. People like Gandhi could, they are willing to sacrifice them self for the best of others. Or you could people like our current politicians who know how to work the system. People like lallu, Jaya, Karunanidhi, Naidu etc, they grew up as a part of the system. For them even when killing someone, they might not feel the remorse. But you and I cannot even bribe without feeling bad, which is good. But the question is how long can you sustain that? I am not 23 anymore; Now, I know what responsibility is all about. I have 2 kids; I don�t know whether I am hard enough to fight the system at this current stage of my life.

    There is a famous quote, which states that there is a breaking point for every human, once we are pushed beyond that point, your action does not originate from your brain. In other words you will become part of the system.

    For me this is the main concern. When I talk to people here who wants to go back, they say that they will buy a house in some close community and they will live a happy life inside. For me that�s a fools dream. You cannot shut off from others, may be for a month or two, soon you have to face the real world.

    So the answer for your question like in this question. How are you going to handle the system in India? I do not believe that things will change. May be in 25 years; Not anytime soon. So until then you have to live a life where in you have to adjust to the system.

    I do not have an answer to the question. How will I manage the day to day life? If you know the answer let me know

    - ;)

    is the answer :-0). Remember in life you have to have an attitude of respecting others, if u think you need to be treated specially cause you have lived in America 10yrs then u would be definitely disappointed. A lot of my friends have relocated to India and I am too early next year. The only answer is attitude.



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  • americandesi
    05-21 04:37 PM
    coud you also paste NSC dates?


    Service Center Processing Dates for Nebraska Service Center Posted May 15, 2008


    I-90 Application to Replace Permanent Resident Card Initial issuance or replacement December 20, 2007
    I-90 Application to Replace Permanent Resident Card 10-year renewal October 15, 2007
    I-90A Application to Replace Permanent Resident Card Initial issuance or replacement for Special Agricultral Workers (SAW) October 15, 2007
    I-102 Application for Replacement/Initial Nonimmigrant Arrival/Departure Record Initial issuance or replacement of a Form I-94 February 15, 2008
    I-129 Petition for A Nonimmigrant Worker H-1B - Specialty occupation - Visa to be issued abroad March 16, 2008
    I-129 Petition for A Nonimmigrant Worker H-1B - Specialty occupation - Change of status in the U.S. March 16, 2008
    I-129 Petition for A Nonimmigrant Worker H-1B - Specialty occupation - Extension of stay in the U.S. March 16, 2008
    I-129 Petition for A Nonimmigrant Worker H-2A - Temporary workers April 15, 2008
    I-129 Petition for A Nonimmigrant Worker H-2B - Other temporary workers April 15, 2008
    I-129 Petition for A Nonimmigrant Worker H-3 - Temporary trainees March 16, 2008
    I-129 Petition for A Nonimmigrant Worker L - Intracompany transfers March 16, 2008
    I-129 Petition for A Nonimmigrant Worker Blanket L March 16, 2008
    I-129 Petition for A Nonimmigrant Worker O - Extraordinary ability March 16, 2008
    I-129 Petition for A Nonimmigrant Worker P - Athletes, artists, and entertainers March 16, 2008
    I-129 Petition for A Nonimmigrant Worker Q - Cultural exchange visitors and exchange visitors participating in the Irish Peace process March 16, 2008
    I-129 Petition for A Nonimmigrant Worker R - Religious occupation March 16, 2008
    I-129 Petition for A Nonimmigrant Worker TN - North American Free Trade Agreement (NAFTA) professional March 16, 2008
    I-131 Application for Travel Document Permanent resident applying for a re-entry permit July 30, 2007
    I-131 Application for Travel Document Refugee or aslyee applying for a refugee travel document July 30, 2007
    I-131 Application for Travel Document Haitian Refugee Immigrant Fairness Act (HRIFA) principal applying for advance parole February 15, 2008
    I-131 Application for Travel Document Haitian Refugee Immigrant Fairness Act (HRIFA) dependent applying for advance parole February 15, 2008
    I-131 Application for Travel Document All other applicants for advance parole February 15, 2008
    I-140 Immigrant Petition for Alien Worker Extraordinary ability January 19, 2007
    I-140 Immigrant Petition for Alien Worker Outstanding professor or researcher April 27, 2007
    I-140 Immigrant Petition for Alien Worker Multinational executive or manager February 21, 2007
    I-140 Immigrant Petition for Alien Worker Schedule A Nurses February 15, 2007
    I-140 Immigrant Petition for Alien Worker Advanced degree or exceptional ability July 05, 2007
    I-140 Immigrant Petition for Alien Worker Advanced degree or exceptional ability requesting a National Interest Waiver February 27, 2007
    I-140 Immigrant Petition for Alien Worker Skilled worker or professional March 10, 2007
    I-140 Immigrant Petition for Alien Worker Unskilled worker May 01, 2007
    I-212 Application for Permission to Reapply for Admission into the U.S. After Deportation or Removal Readmission after deportation or removal October 30, 2007
    I-360 Petition for Amerasian, Widow(er), or Special Immigrant All other special immigrants November 17, 2007
    I-485 Application to Register Permanent Residence or to Adjust Status Employment-based adjustment applications July 14, 2007
    I-485 Application to Register Permanent Residence or to Adjust Status Based on grant of asylum more than 1 year ago March 21, 2007
    I-485 Application to Register Permanent Residence or to Adjust Status Based on refugee admission more than 1 year ago February 01, 2007
    I-485 Application to Register Permanent Residence or to Adjust Status Under the Haitian Refugee Immigrant Fairness Act (HRIFA) July 20, 2007
    I-485 Application to Register Permanent Residence or to Adjust Status Under the Indochinese Adjustment Act April 15, 2007
    I-539 Application to Extend/Change Nonimmigrant Status Change of status to H or L dependents February 15, 2008
    I-539 Application to Extend/Change Nonimmigrant Status Change status to the F or M academic or vocational student categories February 15, 2008
    I-539 Application to Extend/Change Nonimmigrant Status Change Status to the J exchange visitor category February 15, 2008
    I-539 Application to Extend/Change Nonimmigrant Status All other change of status applications February 15, 2008
    I-539 Application to Extend/Change Nonimmigrant Status Extension of stay for H and L dependents February 15, 2008
    I-539 Application to Extend/Change Nonimmigrant Status Extension of Stay for F or M academic or vocational students February 15, 2008
    I-539 Application to Extend/Change Nonimmigrant Status Extension of Stay for J exchange visitors February 15, 2008
    I-539 Application to Extend/Change Nonimmigrant Status All other extension applications February 15, 2008
    I-612 Application for Waiver of the Foreign Residence Requirement Application for a waiver of the 2-year foreign residence requirement based on exceptional hardship or persecution July 31, 2007
    I-730 Refugee/Asylee Relative Petition Petition for accompanying family members of a refugee or an asylee November 21, 2006
    I-751 Petition to Remove the Conditions on Residence Removal of lawful permanent resident conditions (spouses of U.S. citizens and lawful permanent residents September 05, 2007
    I-765 Application for Employment Authorization Based on an approved asylum application [(a)(5)] March 17, 2008
    I-765 Application for Employment Authorization Based on a request by a qualified F-1 academic student. [(c)(3)] February 15, 2008
    I-765 Application for Employment Authorization Based on a pending asylum application [(c)(8)] March 17, 2008
    I-765 Application for Employment Authorization Based on a pending I-485 adjustment application [(c)(9)] February 15, 2008
    I-765 Application for Employment Authorization All other applications for employment authorization February 15, 2008
    I-817 Application for Family Unity Benefits Voluntary departure under the family unity program November 17, 2007
    I-824 Application for Action on an Approved Application or Petition To request further action on an approved application or petition April 08, 2007





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  • thamizhan
    07-20 11:25 AM
    Is there any thing to do with I-140approved/pending with I-485/ead/ap processing?

    This is only to track people who sent their I-485 application documents to USICIS Nebraska Service Center and received by them on the same day.

    If you are on that category, please vote.



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  • americandesi
    08-16 01:41 PM
    I personally think that 6 month rule-of-thumb is nonsense.

    AC21 clearly states you can switch employers 6 months after your green card application has been pending. On what legal basis could USCIS then come back and deny citizenship to anyone for switching employers too soon after getting their green card?

    I'd really be interested to hear if someone has specific knowledge of a case where someone had their citizenship denied due to switching companies too soon after getting their green card.

    Refer http://www.murthy.com/pr_thngs.html and search for the following

    "It is also important to understand that the green card approval will be reviewed at the time of the naturalization interview. For employment-based cases, this means inquiries into how long the individual worked for the employer after obtaining the green card. If the period is extremely short, there may be questions about the bona fide nature of the green card process."

    As "a_yaja" said, "AC21 applies only if your GC has not been approved. You cannont invoke AC21 after your GC has been approved."





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  • bigboy007
    07-29 08:32 PM
    First they should give detailed plan out. even then point system is a pain , no benefits till final stage. its good for all right if one has to sit in 25 years waiting for his turn on visa instead of green card... good luck for all who support this. Other countries who use point system compare the numbers... US has far more immigrants than any other country... if point system is open everyone can apply. But thats good ... but in negative side how can you control huge workload w/o increasing numbers and infact other countries doesnt have numerical limits they control by points. if US has numbers and then point system nothing but taking away all of our benefits go back and wait for 20 years one way of saying go back. realize it.

    It will bring down the workload? Can you explain how? If anyone in the world is eligible to apply for the GC without sponsorship, the system will be flooded with applications, irrespective of whether they carry any merit or not. What makes you think that an organization that cannot process 140K applications per year can handle millions?

    The point based system sounds great in theory, but cannot be implemented efficiently by the U.S. as long as it remains the most desired country for immigrants. It works for Canada, Australia and the U.K. because fewer people want to move there.



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  • gsc999
    09-22 11:06 AM
    Hi everyone.
    I was part of the San Jose rally .. where there were about 300 odd people.
    My neighbors had been to the immigration rally in Washington(flew from San Jose) and they said that there were about 1000 people there.

    I have been following the immigration issues for sometime .. and I'm not very convinced that such small numbers can make the difference.
    I'm not being a pessimist .. appreciate all the efforts that IV core undertakes .. but am totally unconvinced of major immigration changes. Looking at something like CIR being struck down .. after being on television for long and being debated .. I think we should get real.

    Thank you
    V
    ---
    Vivache, thanks for sharing your views.

    Spartan King Leonidas and 300 Spartans fought to the last man against Persian King Xerxes and his army of over one million soldiers. Aren't these stories that inspire us and generate admiration about those brave few.

    Now, the 300 number at San Jose is incorrect. There were around 400 to 450 people there.

    When flower campaign started it was just a few people. They never waited for a large number of people before starting. Others were inspired by their leadership. This effort became huge, even skeptics joined in, smitten by the contagious enthusiasm of rest of the members. Same with San Jose rally. We just had five days to do it, 450 people showed up, that is amazing.

    These two small successful events were instrumental in change of July visa bulletin fiasco. This clearly demonstrates that your argument about small numbers can't make a difference is incorrect. We have a past precedent of successful outcome based on a small grassroot effort.

    As Andrew Jackson said, "One man with courage makes a majority"
    Lets be leaders rather than followers.

    On the other hand if you still want larger numbers than join us, we need your help. We have a Nor. Cal yahoo group where you will meet a lot of motivated people. Your neighbor was part of a 35 or so people who flew from California.

    PM me and send your phone number if you want to chat. I can explain in more detail.





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  • sunny1000
    10-09 09:10 PM
    Oye, ghee makhan se kaam nahin chalega, tum US main ho, India main nahin.

    Stop writing in Hindi. This is against forum rules and the fact that a lot of us don't understand.





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  • laborchic
    10-05 05:19 PM
    Absolutely agree to that..

    Especially when you have FREE drinks and chapter leader dance :eek:





    r2i2009
    05-01 07:56 PM
    Actually...with India growing up fast....i do not know if I am wasting time here.....want to go back .....
    If there is no growth in India...then it makes sense to stay here....







    life could be with problems much worse than this, giving up soo easily?
    :)

    Senior's waiting for 7+ years should be an inspiration for you. Cheer up.





    Dhundhun
    06-24 01:27 AM
    When I applied for EAD and AP (paper filed) my attorney advised to make checks payable to “U.S. Department of Homeland Security”.

    There has been time check used to be payable to:
    U.S. Department of Homeland Security - USCIS

    Now at some places it is shortened to:
    U.S. Department of Homeland Security

    And at other places it is shortened to:
    USCIS

    I think, they are interchangeable.

    On USCIS site: Fees should be made payable to Department of Homeland Security or U.S. Citizenship and Immigration Services. refer to first dotted instruction of http://www.uscis.gov/portal/site/uscis/menuitem.eb1d4c2a3e5b9ac89243c6a7543f6d1a/?vgnextoid=db029c7755cb9010VgnVCM10000045f3d6a1RCR D&vgnextchannel=db029c7755cb9010VgnVCM10000045f3d6a1 RCRD

    It does not talk about putting US in front of Department of Homeland Security. Going exactly by USCIS instructions, lawyer did mistake - but it is OK
    Correction: Instruction says U.S. Department of Homeland Security, but over-riding information is above.



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