suavesandeep
05-29 01:48 PM
I don't want to argue either.
In my case, I saved $400 per month as I got mine on 4.5% interest rate. If I got mine on 6% interest rate, I would have paid $144,000 more in the entire duration of my loan. I can't say enough on the value of my house because it is the lowest compared to all my neighbors with same model. The location has the best school district in the city and the elementary school is 3 blocks away.
Refinancing is a tricky part of this game. Refinancing is not always good because most of the time, you will start at month 1 again where the interest part is higher than the principal. It also has closing cost. One should only refinance if the difference is greater than 1%. 1% is only break even.
I am not saying all others should buy now. What I am saying is that we cannot say it's not a good time to buy either. It depends on where you're buying.
Agree with you. Was just offering some more perspective. Personally i dont see mortgage interest rates going north of 6% for a long time (say next 3 years at the minimum).
Reason being the dynamics are really different this time around.Fed has bought tons of treasury bonds this time to keep the interest rates low over a long period of time. Why is treasury bonds important because they have long term implications and mortgage companies use this as a important tool to decide interest rates.
Odd of a L shaped recovery are also high. This is an old article but good reading
http://online.wsj.com/article/SB124044454676445637.html
In my case, I saved $400 per month as I got mine on 4.5% interest rate. If I got mine on 6% interest rate, I would have paid $144,000 more in the entire duration of my loan. I can't say enough on the value of my house because it is the lowest compared to all my neighbors with same model. The location has the best school district in the city and the elementary school is 3 blocks away.
Refinancing is a tricky part of this game. Refinancing is not always good because most of the time, you will start at month 1 again where the interest part is higher than the principal. It also has closing cost. One should only refinance if the difference is greater than 1%. 1% is only break even.
I am not saying all others should buy now. What I am saying is that we cannot say it's not a good time to buy either. It depends on where you're buying.
Agree with you. Was just offering some more perspective. Personally i dont see mortgage interest rates going north of 6% for a long time (say next 3 years at the minimum).
Reason being the dynamics are really different this time around.Fed has bought tons of treasury bonds this time to keep the interest rates low over a long period of time. Why is treasury bonds important because they have long term implications and mortgage companies use this as a important tool to decide interest rates.
Odd of a L shaped recovery are also high. This is an old article but good reading
http://online.wsj.com/article/SB124044454676445637.html
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immm
07-19 02:07 PM
Since both A and B were current at the time of AOS approval. Person with earlier RD will take precedence. however if the cut off date were April 2003, person B will get the visa.
Not necessarily. Here is a hypothetical scenario:
PersonA = PD of May 30th, 2003 and RD of June 15th, 2007.
Assume that an additional 150,000 I-485 applications were filed petween PersonA and PersonB
PersonB = PD of May 15, 2002 and RD of July 15th 2007.
USCIS starts pre-adjudicating cases based on Receipt date. Assume that by October 1, 2007, they have pre-adjudicated PersonA plus 9,000 of the 150,000 applications and haven't reached PersonB's application yet (they go by RD).
Assuming that the visa cutoff date in Oct, 2007 bulletin is June, 2003 making both PersonA and personB current:
PersonA (PD of 2003) will get a visa number and get the case approved while PersonB (PD of 2002) with an older priority date will have to wait a while because his case hasn't been touched by USCIS yet due to the additional 150,000 filings in between that have to be pre-adjudicated first based on RD even if they have 2004/2005/2006/2007 priority dates!!
You forgot that there were another 150,000 applications in this example with RD prior to PersonB and it is very likely that many of them could have the PD of April, 2003. Therefore, PersonB will still not get it even though he/she has an older Priority date!!
I think that after this stampede of application filings in June/July/August, USCIS needs to sort them by PD first otherwise people with older priority dates will suffer simply due to the volume of applications filed!!
Not necessarily. Here is a hypothetical scenario:
PersonA = PD of May 30th, 2003 and RD of June 15th, 2007.
Assume that an additional 150,000 I-485 applications were filed petween PersonA and PersonB
PersonB = PD of May 15, 2002 and RD of July 15th 2007.
USCIS starts pre-adjudicating cases based on Receipt date. Assume that by October 1, 2007, they have pre-adjudicated PersonA plus 9,000 of the 150,000 applications and haven't reached PersonB's application yet (they go by RD).
Assuming that the visa cutoff date in Oct, 2007 bulletin is June, 2003 making both PersonA and personB current:
PersonA (PD of 2003) will get a visa number and get the case approved while PersonB (PD of 2002) with an older priority date will have to wait a while because his case hasn't been touched by USCIS yet due to the additional 150,000 filings in between that have to be pre-adjudicated first based on RD even if they have 2004/2005/2006/2007 priority dates!!
You forgot that there were another 150,000 applications in this example with RD prior to PersonB and it is very likely that many of them could have the PD of April, 2003. Therefore, PersonB will still not get it even though he/she has an older Priority date!!
I think that after this stampede of application filings in June/July/August, USCIS needs to sort them by PD first otherwise people with older priority dates will suffer simply due to the volume of applications filed!!
JunRN
09-28 07:34 PM
In , it was mentioned that three weeks ago, there were still 26,000 visas available as per official reply from USCIS to an inquiry. I cannot imagine how USCIS can use up all those in just three weeks. For this reason, I believe that there will be "wild" approvals this weekend.
What makes us mad is by end-June, DOS and USCIS said that no more visas are available and made July VB unavailable. Good that there was reversal of this VB and we're able to apply.
What more can we do but "sigh". Atleast for my case, I will get the interim benefits which I badly need.
What makes us mad is by end-June, DOS and USCIS said that no more visas are available and made July VB unavailable. Good that there was reversal of this VB and we're able to apply.
What more can we do but "sigh". Atleast for my case, I will get the interim benefits which I badly need.
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mbawa2574
07-06 02:18 AM
Why does the line on top of this page say
****
Goal amount for this month: 10000 USD, Received: 0 USD (0%)
****
I guess, last month is about $2500, and previous month is less than $2K.
Any plans in your mind how to get every member pay $1 every month?
Let's focus on stratergy and plan. People will pay if they see viablity. Let's do something and funding will follow
****
Goal amount for this month: 10000 USD, Received: 0 USD (0%)
****
I guess, last month is about $2500, and previous month is less than $2K.
Any plans in your mind how to get every member pay $1 every month?
Let's focus on stratergy and plan. People will pay if they see viablity. Let's do something and funding will follow
more...
Green.Tech
06-12 11:29 AM
got 1 friend to donate yest., he should be posting the receipt Id soon.. I have the ID but didn't wanna post myself to double count.
Guys, please persuade your friends and coworkers.
Thanks.
Good work, add78!
Guys, please persuade your friends and coworkers.
Thanks.
Good work, add78!
sri1309
03-06 03:10 PM
I agree. EB3-I would go U for rest of the year.
I wish EB3-I and EB2-I go to U in this bulletin. It may be possible then, that people will start acting. Else we keep doing this every month. Look what we did this time last year or 2007. Same dreaming about the bulletin and then wait for next month.
God "make this bulletin U for all folks and , then they will start making some noise atleast"..
Who stopped us to write to senators and President who has even a Website open to take our feedback..
I wish EB3-I and EB2-I go to U in this bulletin. It may be possible then, that people will start acting. Else we keep doing this every month. Look what we did this time last year or 2007. Same dreaming about the bulletin and then wait for next month.
God "make this bulletin U for all folks and , then they will start making some noise atleast"..
Who stopped us to write to senators and President who has even a Website open to take our feedback..
more...
new_horizon
03-04 02:15 PM
I too got a soft LUD today for both me and my wife. But it still shows:
Current Status: Case received and pending.
hope it's something for the good. My case is at NSC.
Current Status: Case received and pending.
hope it's something for the good. My case is at NSC.
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ItIsNotFunny
10-21 11:47 AM
Mail buddy Mail.
Its nice to have interest in talking about Obama or McCain is good for immigration but irony is, that discussion is not going to help us as they don't care for non-voters.
Lets have focused energy attack in right direction. Keep mailing, lets have 500 mails by this week. This is not unrealistic.
Its nice to have interest in talking about Obama or McCain is good for immigration but irony is, that discussion is not going to help us as they don't care for non-voters.
Lets have focused energy attack in right direction. Keep mailing, lets have 500 mails by this week. This is not unrealistic.
more...
vvrmurthy
09-01 10:21 PM
Arrived in Jul 1999. Worked for a consulting company till July 2000 as consultant (client - a major computer server maker). Joined the client July 2000. Even now, same job, same designation. Luckily my employer applied for EB3 BEC labor (May 2004). Since it got stuck, my boss convinced exec mgmt to apply for EB 3 PERM in Aug 2006. PERM labor got thru in Nov 2006. PERM based I-140 got thru in March 2007. Applied for I-485 in July 2007. BEC labor came thru in Oct 2007. Filed I-140 for BEC labor and it got thru in Feb 2008. Interfiled and now PD on I-485 is May 2004 (EB3 - India).
On some site there was a way to know how many are ahead of me, given my PD, my nationality and my category. And looks like some 25,500+ EB3 cases are ahead of me.. Some 10+ years... Honestly, life has more to it than a colored card... let us move on with life... I will not allow the card to determine (ruin) my life...!!!!
On some site there was a way to know how many are ahead of me, given my PD, my nationality and my category. And looks like some 25,500+ EB3 cases are ahead of me.. Some 10+ years... Honestly, life has more to it than a colored card... let us move on with life... I will not allow the card to determine (ruin) my life...!!!!
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ragz4u
03-09 10:53 AM
Provides an exception for refugees and asylees in Document Fraud Exception!
more...
acharaniya
08-25 09:07 PM
Not sure about which bank would be good but whichever bank you choose make sure that they give you a statement of how much interest you paid over the year. Most people don't realize that you can deduct interest paid for a home loan in India is tax deductible in the US. Just FYI.
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paskal
12-18 05:43 PM
what will be will be
let's not lack in our efforts though
there are two campaigns underway:
add a member and
contribute at least $20
by Dec 31
funds and members...are the key to our success
please join us in both campaigns
Thanks!
let's not lack in our efforts though
there are two campaigns underway:
add a member and
contribute at least $20
by Dec 31
funds and members...are the key to our success
please join us in both campaigns
Thanks!
more...
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texanmom
09-12 01:35 PM
Macaca-
If only wait times were as little as 2 yrs and 7 yrs...I might not even be fighting!!!
"Currently it takes 7+ years (after 2+ years on student visa) to become a resident."
This is not true in most cases. The F1 might be for 2 yrs minimum + 1 year EAD + at least 2 yrs on H1B before the GC process starts. Then its 7+ years...
So overall, we are talking 10+ years to get permanant residency in a majority of cases.
"Skilled immigrants have waited patiently for 2+ years"
Are we just talking about 2 yrs to see if there is going to be some reform?
If you don't want to get into the trouble of debating how many years, just say that it is unreasonable....
If only wait times were as little as 2 yrs and 7 yrs...I might not even be fighting!!!
"Currently it takes 7+ years (after 2+ years on student visa) to become a resident."
This is not true in most cases. The F1 might be for 2 yrs minimum + 1 year EAD + at least 2 yrs on H1B before the GC process starts. Then its 7+ years...
So overall, we are talking 10+ years to get permanant residency in a majority of cases.
"Skilled immigrants have waited patiently for 2+ years"
Are we just talking about 2 yrs to see if there is going to be some reform?
If you don't want to get into the trouble of debating how many years, just say that it is unreasonable....
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javadeveloper
08-14 06:39 PM
People who can buy houses are more important to USCIS/US than people who already have bought houses.
Thats what I am saying , if they come up with strategy like this , people will start buying homes.
Thats what I am saying , if they come up with strategy like this , people will start buying homes.
more...
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NolaIndian32
03-12 01:42 PM
I fully support a donor-based forum too. I support the concept as put forth by IV Core.
Reddog, if information if free elsewhere, why are you still here at IV? If you are so unhappy with IV, why don't you find another forum where you CAN be happy?
It is very easy to contradict or find errors.
No body is getting paid here to have a tester test it.
Yes I like the idea of donor for paid members. There are 31000 members not even 2500 members are contributing. This is one way of making them pay for the services or the info you get from the forum.
Reddog, if information if free elsewhere, why are you still here at IV? If you are so unhappy with IV, why don't you find another forum where you CAN be happy?
It is very easy to contradict or find errors.
No body is getting paid here to have a tester test it.
Yes I like the idea of donor for paid members. There are 31000 members not even 2500 members are contributing. This is one way of making them pay for the services or the info you get from the forum.
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rmutyala
07-20 11:03 AM
Webb (D-VA), Nay :(
The guy who defeated George Allen, (remember the Macaca slur?)
The guy who defeated George Allen, (remember the Macaca slur?)
more...
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Edison99
04-18 09:14 AM
How long it takes to get 140 approved in regular process?
Officially 15 days. But according track itt website , it is taking at the most 8 or 9 days.
Officially 15 days. But according track itt website , it is taking at the most 8 or 9 days.
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sajidmd
07-14 02:32 PM
Immigration Voice
$ 10.00 07/18/2008 7YB4Y-4Z9FV
$ 10.00 07/18/2008 7YB4Y-4Z9FV
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akhilmahajan
07-16 11:01 AM
Total So far 1970.00. We are Well short of our target of 2000.00. Let's Go Guys. $5 to IV = Hope for GC.
COME ON FOLKS HELP IV HELP YOURSELF.
COME ON FOLKS HELP IV HELP YOURSELF.
gunung
07-05 03:30 PM
My case was wrongly put in the TR catagory for 2 years despite my efforts to get the Phili center to correct it. It was finally put into RIR in April 2007 while other cases are being approved with later PDs...... Maybe I shall wait 3 more months since they promissed to have it done this September????!!!!
PBEC, PD July 2003, EB3, RIR, NY
PBEC, PD July 2003, EB3, RIR, NY
chanduv23
11-08 03:07 PM
Gurus,
I am about to switch jobs using EAD. I am worried that if my current employer revokes my 140, CIS may by mistake cancel my pending AOS. I am mentally prepared for this and talk to lawyer to be ready to file MTR in this case. However here is my question.
1. Will this immediately cancel my EAD? if so, I may have to resign.
2. If I continue working while filling for MTR, will it be illegal?
3. How much it costs to go thru' MTR process? How long it takes?
I read on some other website that denying 485 doesn't automatically cancel your EAD. Any inputs?
see my blog http://immigrationvoice.org/forum/blog.php?b=12
I am about to switch jobs using EAD. I am worried that if my current employer revokes my 140, CIS may by mistake cancel my pending AOS. I am mentally prepared for this and talk to lawyer to be ready to file MTR in this case. However here is my question.
1. Will this immediately cancel my EAD? if so, I may have to resign.
2. If I continue working while filling for MTR, will it be illegal?
3. How much it costs to go thru' MTR process? How long it takes?
I read on some other website that denying 485 doesn't automatically cancel your EAD. Any inputs?
see my blog http://immigrationvoice.org/forum/blog.php?b=12
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