pmpforgc
07-15 10:34 PM
Can some of experienced guyes answer my question about the DISABILITY INSURANCE.
Some of you guys looks like confusing DISABILITY RIDER in the TERM/WHOLE policy with DISABILITY INSURANCE.
DISABILITY INSURNACE will pay for (in Most case 60% of the last salary) if you become PERMANENTLY DISABLED and can not work up to the age of 62 or 65. After that SS will pay for you.
DISABILITY RIDER that you have with extra cost in the LIFE INSURANCE policy cancel payment requirement of your Life Insurance policy. So If you become Disabled You WILL NOT HAVE TO PAY PREMIUM for your TERM/WHOLE Life policy and still it will be effective.
Because of my one of the diseases I am always worried about DISABILITY insurance.
I always try to get Short term and Long Term disability insurances through employer.
But the problem is they always start with long preexisting exlusions and when you change jobs they dont continue so have to start new one which also has other new preexisting exlusions to start.
You can convert your longterm disability to the personal policy if you have that for long time. but they are not valid if you get new job.
Is there any private/personal (not employer sponsored) Short and long term DISABILITY Insurance policies that we can purchase out side of the job.? How are the premiums? Are they reliable?
also do any of you know case where LIFE INSURANCE was actually paid and how easy/hard the process was for family?
Also similar experiences if some one know if any one used DISABILITY INSURANCE and how hard it was?
Some of you guys looks like confusing DISABILITY RIDER in the TERM/WHOLE policy with DISABILITY INSURANCE.
DISABILITY INSURNACE will pay for (in Most case 60% of the last salary) if you become PERMANENTLY DISABLED and can not work up to the age of 62 or 65. After that SS will pay for you.
DISABILITY RIDER that you have with extra cost in the LIFE INSURANCE policy cancel payment requirement of your Life Insurance policy. So If you become Disabled You WILL NOT HAVE TO PAY PREMIUM for your TERM/WHOLE Life policy and still it will be effective.
Because of my one of the diseases I am always worried about DISABILITY insurance.
I always try to get Short term and Long Term disability insurances through employer.
But the problem is they always start with long preexisting exlusions and when you change jobs they dont continue so have to start new one which also has other new preexisting exlusions to start.
You can convert your longterm disability to the personal policy if you have that for long time. but they are not valid if you get new job.
Is there any private/personal (not employer sponsored) Short and long term DISABILITY Insurance policies that we can purchase out side of the job.? How are the premiums? Are they reliable?
also do any of you know case where LIFE INSURANCE was actually paid and how easy/hard the process was for family?
Also similar experiences if some one know if any one used DISABILITY INSURANCE and how hard it was?
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mpadapa
10-11 10:56 AM
count me in. "Will try" -> Yes
8+1= 9 (yes)
come on folks join in
8+1= 9 (yes)
come on folks join in
cgs
10-12 09:32 AM
I wish there will be at least some forward movement in EB2 category in next month bulletin. The psychological barrier 01/01/2003 which was stuck there since May this year should pass. This month bulletin is little relief for EB2 folks compared to the PD unavailable in the month of September:)
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softwareguy
07-22 10:51 AM
You will never be as good!!!
Life is different, if you are not a tourist. Try working with them day in day out. And I m talking about Toronto.
Experiences of friends says - blue collar, jobs that Canadian do not want to do you, you are more than welcome.
But dont ever try to get a White collar job... And if you want to - work as Software engineer - and forget of any career development....
Again -
http://www.notcanada.com
http://www.canadaimmigrants.com
Life is different, if you are not a tourist. Try working with them day in day out. And I m talking about Toronto.
Experiences of friends says - blue collar, jobs that Canadian do not want to do you, you are more than welcome.
But dont ever try to get a White collar job... And if you want to - work as Software engineer - and forget of any career development....
Again -
http://www.notcanada.com
http://www.canadaimmigrants.com
more...
a1b2c3
10-20 10:57 PM
In Dec DOS will move the EB2I date to april 01, 06. And USCIS exhaust the visa number by approving the 06 cases and retrogress back to april 01, 03.
And whoever has the 03 and 04 PDs will be screwed as usual.:mad:
It is not just the USCIS , DOS is also the culprit.
If that happens, it will give me a stronger reason to return to India. In fact, at times I feel that is exactly what's going to transpire. The dates probably will keep inching forward and then make a U turn somewhere and I'll be back in India much sooner. And I don't think it would be that bad considering growth opportunities back home and of course our accumulated savings which will go out of the country along with us.
And whoever has the 03 and 04 PDs will be screwed as usual.:mad:
It is not just the USCIS , DOS is also the culprit.
If that happens, it will give me a stronger reason to return to India. In fact, at times I feel that is exactly what's going to transpire. The dates probably will keep inching forward and then make a U turn somewhere and I'll be back in India much sooner. And I don't think it would be that bad considering growth opportunities back home and of course our accumulated savings which will go out of the country along with us.
chi_shark
10-03 10:50 AM
actually, lets make another category 3.c. people who have shifted jobs after ead using AC21 and now want to or already have started a company for side business (that may be in the labor/perm cert job description or outside)...
So, I am 3.c. and so is perhaps matreen... after digesting my conversation with the lawyer for two three days now, i am feeling that it might be worth taking the risk of doing a side business. after all, we are not doing anything that is uncivil or criminal... just trying to boost our incomes and perhaps contribute to an industry or something like that... that noble intention could be viewed as an exclusive intention in relation to the intention to continue permanent employment with the new GC sponsoring employer... what do you guys think?
If you are on 3a, you have neither used AC21 nor have you left your full time job (FT job that aligns with your LC). On EAD, you can do any number of jobs (ex: you can even work 2 part time jobs totally unrelated to your LC requirements ofcourse as long as you continue to be with your GC employer). Using this rationale, you should be fine starting a business and making profit in the part time.
In fact even those who were in 3 b were able to get their GC after an interview (Search for posts by the user "unitednations"). But, it's risky and best avoided.
Personally, I want to get into 3 a, but my 140 is still pending. I plan to approach my company to switch me to EAD as soon as my 140 gets approved.
PS: This is not legal advice. Please contact your attorney and do more research before taking any steps further.
So, I am 3.c. and so is perhaps matreen... after digesting my conversation with the lawyer for two three days now, i am feeling that it might be worth taking the risk of doing a side business. after all, we are not doing anything that is uncivil or criminal... just trying to boost our incomes and perhaps contribute to an industry or something like that... that noble intention could be viewed as an exclusive intention in relation to the intention to continue permanent employment with the new GC sponsoring employer... what do you guys think?
If you are on 3a, you have neither used AC21 nor have you left your full time job (FT job that aligns with your LC). On EAD, you can do any number of jobs (ex: you can even work 2 part time jobs totally unrelated to your LC requirements ofcourse as long as you continue to be with your GC employer). Using this rationale, you should be fine starting a business and making profit in the part time.
In fact even those who were in 3 b were able to get their GC after an interview (Search for posts by the user "unitednations"). But, it's risky and best avoided.
Personally, I want to get into 3 a, but my 140 is still pending. I plan to approach my company to switch me to EAD as soon as my 140 gets approved.
PS: This is not legal advice. Please contact your attorney and do more research before taking any steps further.
more...
funny
09-29 01:21 PM
No offense to anyone, you are still free to discuss anything you want.
The purpose of this thread was to get information from the immigration point of view and wether its ok to start your company if you have 485 pending and what effect it might have on your GC process and also to get valuable information from people who have already started their own company.
Guys Please post valuable information on this thread, so that it can help other people who are planning to start their own company.
The purpose of this thread was to get information from the immigration point of view and wether its ok to start your company if you have 485 pending and what effect it might have on your GC process and also to get valuable information from people who have already started their own company.
Guys Please post valuable information on this thread, so that it can help other people who are planning to start their own company.
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kak1978
08-10 11:18 PM
May be the Law firm signed up for the bulletin email and they got it through email. Did anyone here subscribe to the email?
more...
gcdesirer
08-26 03:19 PM
Even if its multiplied by 100 we should be ok, if the USCIS does a good of not waisting visas by doing their best in the month of Sep. Say we have 6500 * 2 .25 (Family) = 15000people waiting from EB2 2004. Looking at the spillover numbers from last year, we might be lucky enough. Just trying to be optimistic for the next 35 days.
We received our 2nd biometric appointment notice for Sep 11th. Our Notice date is Sep 19th 2007. Just keeping my fingers crossed and hoping for something good. :)
Forgot to mention "Good luck with your GC in Sep..
We received our 2nd biometric appointment notice for Sep 11th. Our Notice date is Sep 19th 2007. Just keeping my fingers crossed and hoping for something good. :)
Forgot to mention "Good luck with your GC in Sep..
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vrkgali
09-15 01:02 PM
Just because somebody's plans worked well , and some body's wife is happy staying home , all those GC chasers are now fools.
There are areas in USA where there is no appreciation at all in the real estate market , and not everybody is lucky enough to get the jobs immediately after coming on to the bench ., on H1B VISA.
In my opinion , 90% of the people on this forum have got all plans and ideas on what to do if there is no GC.But 100% of the peoples plans will be more successful ..if there is GC in hand.
There are areas in USA where there is no appreciation at all in the real estate market , and not everybody is lucky enough to get the jobs immediately after coming on to the bench ., on H1B VISA.
In my opinion , 90% of the people on this forum have got all plans and ideas on what to do if there is no GC.But 100% of the peoples plans will be more successful ..if there is GC in hand.
more...
vadik78
03-27 07:47 PM
No matter which person we will go with, I think that we need to verify person's story before congress testimony. Not that I do not trust people, but we need to make sure that every detail is accurate; otherwise we risk of being called "liars" by the numbersusa. If we could obtain any documented proof of achievements and demonstrate the documentation to the congress, which will carry some additional weight...
Just my 2 cents.
Just my 2 cents.
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sunny1000
10-09 11:41 PM
:):) Well, if heart, mind, soul, ethics are already sold what can you expect?
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?
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?
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visli_com
09-11 05:45 PM
Yes , I bought house,2007. PD aug2003 EB3
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eb3retro
05-17 12:13 PM
am not able to be there these days as I am travelling for work during this time. Also, I have 10k United miles with me, and I would be more than happy to donate it to someone who can travel. But I am not sure if 10k is enough for a round trip. If some one has any inputs on this, I am happy to be of some use at atleast by giving away these miles.
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miguy
05-25 09:12 AM
75% of the people (close to 1000 people) where I work are consultants thro (US contracting companies, tcs, infosys, etc)....we are called supplemental workers here......if this bill passes, all of us would have to stop working.....I am sure there are other companies exactly in the same boat....whats gonna happen to this country? how will the businesses run?.....this is insane
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kartikiran
07-01 10:29 AM
..and why not EB2 to EB1 and EB1 to EB1-NIW..and so on...
because the backlog for EB3 is currently staring at close to 10 years and an EB2 requirement is around 5 years of progressive experience, which might enable many of them who would have progressed in their careers due to a 10 year wait for green card.
Why not EB2 to EB1 is because, EB1 is for exceptionally skilled people(athletes, doctors, multi-national managers(via L1A) etc). For EB2 candidates to be pushed to EB1, they need to exceptionally skilled which cannot be gained via experience but by acquiring skills which will place them in those categories.
If they can acquire those skills, then they automatically qualify for EB1 or EB1-NIW and can apply anytime by themselves. Note, EB1 does not need a labor approval too.
Hope that makes clear the distinction between EB1, EB2 & EB3. Employment-based GC applying lessons 101...of course this is the simplest one...:D
because the backlog for EB3 is currently staring at close to 10 years and an EB2 requirement is around 5 years of progressive experience, which might enable many of them who would have progressed in their careers due to a 10 year wait for green card.
Why not EB2 to EB1 is because, EB1 is for exceptionally skilled people(athletes, doctors, multi-national managers(via L1A) etc). For EB2 candidates to be pushed to EB1, they need to exceptionally skilled which cannot be gained via experience but by acquiring skills which will place them in those categories.
If they can acquire those skills, then they automatically qualify for EB1 or EB1-NIW and can apply anytime by themselves. Note, EB1 does not need a labor approval too.
Hope that makes clear the distinction between EB1, EB2 & EB3. Employment-based GC applying lessons 101...of course this is the simplest one...:D
more...
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go_gc_way
05-11 11:06 AM
:) This is good news, I believe our amendments would be carried in.
Kindly elaborate what this means to us and if any of our amendments would be carried for voiting. :)
Kindly elaborate what this means to us and if any of our amendments would be carried for voiting. :)
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frankiesaysrelax
11-04 09:27 PM
After reading your post, I just called the ICICI customer support and checked with them. They told me that I cannot get anything from my ICICI NRO account unless otherwise it is for education or for medical purpose.
I am not sure how you got your money from ICICI. May be you had put USD and got it back sometime later. Have you tried to bring back INR from ICICI account? If yes, let me know what you did.
As I mentioned in my post, I had a resident Indian A/C - account that was opened when I was legally a resident Indian (salary a/c incidentally). No way it can be confused with one of N/RE/O accounts. I had INR in my account. It was wired over to my account here in the US, I got $s. Simple. If you look through the link that I posted, ICICI's instructions are quite clear - you can say family maintenance as a good reason.
As a couple of people commented in subsequent posts, it is straightforward to send money, INR to $.
I am not sure how you got your money from ICICI. May be you had put USD and got it back sometime later. Have you tried to bring back INR from ICICI account? If yes, let me know what you did.
As I mentioned in my post, I had a resident Indian A/C - account that was opened when I was legally a resident Indian (salary a/c incidentally). No way it can be confused with one of N/RE/O accounts. I had INR in my account. It was wired over to my account here in the US, I got $s. Simple. If you look through the link that I posted, ICICI's instructions are quite clear - you can say family maintenance as a good reason.
As a couple of people commented in subsequent posts, it is straightforward to send money, INR to $.
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gjoe
09-24 09:03 AM
Read this interesting article in MSNBC
http://www.msnbc.msn.com/id/26860570
Sad but funny too:)
http://www.msnbc.msn.com/id/26860570
Sad but funny too:)
jonty_11
06-28 12:36 PM
It would be great to have premium processing for 485s instead now that visa nos are available. Now now ... i know thats wishful thinking but think about it-could save a lot of time and money over EAD/AP/FP renewals. But then again hurts their income stream thats why they wont do it :((
why would it hurt their income stream...when theyll charge u rpremium fees for fast 485 processing..it will be cash in teh bag in the first go rather than waiting over the years for EAD/AP renewals.
why would it hurt their income stream...when theyll charge u rpremium fees for fast 485 processing..it will be cash in teh bag in the first go rather than waiting over the years for EAD/AP renewals.
dilbert_cal
04-07 01:29 PM
not a single person has explicity voted "No". In reality though, everyone who has viewed this thread (1563 views when I last checked - even if you assume each person has checked this thread at least 10 times, that's about 156 individuals out of whom only about 35 have voted so far!) and not bothered to vote is essentially voting "No"! However, again as you point out, I am not really looking for the "No"s since these people have clearly decided they don't want to part with their money at this stage (not ascribing any reasons or motives here - just stating the facts). .....Cheers
Its a wrong fallacy to assume that NOs = people who dont want to part with their money at this stage. Let me put it this way for you with an example :-
Poll
1. Yes I want e-bill to save tree.
2. No I dont want ebill and I care a damn about the trees
3. Dont Care
The above poll is a loaded poll favoring one option only. Is the only reason someone may not want ebill is that they dont care a damn about the trees. NOPE. It can be a lot of other reasons - they may feel not so good about internet security or may not be internet savvy. And of course, paper bills can be on recycled paper and whole lot of other arguments are not covered.
Similarly your poll is very much loaded.
And again, you havent defined "more". Currently, I believe the contribution limit is 25 dollars per month. When you say more - what number are you thinking of. And now look at the folks who said YES. What numbers are they looking at. If you had put in a number and said "are you willing to pay x dollars per month .." - then you can be assured of that the members who say YES are on the same page as you. Right now, what you have is a number of folks but they may not be on same page.
And what is the definition of "updates" ? We are not working here on a fixed time project where the deliverable is due at the end of period 'x'. For quite a lot of period, the updates will be generic and on the lines of "we are working on getting to our goals and we are making progress". You will not get any more details than this. Turn around and check with the folks who said YES -- is this what they are expecting. Or they are expecting something different.
25 dollars per month equates to 0.6 % of annual salary for someone making 50k and only 0.3% of someone making 100k. Is this a big amount - Yes and No. It clearly depends on the individual. For lobbying you agree that the amount required is way more than what we currently are able to raise.
IV has probably 25k+ registered users. This is a good number to look at. Practically, how many of them have logged in and used this system for the last six months and three months and last month. I dont know the exact number but have a strong feeling that this number will probably in the 10-15 percentile only. And guests is not equal to an unregistered IV member. Not every person posts on this site. There are a lot of people who just browse the forums and dont post - they dont need to login everytime they come on to this site - therefore you will see a good chunk of visitors but they necessarily are not unregistered members.
Your intentions are good - but the approach you took needs to be refined further. None of what I wrote above is personally against you - I appreciate your efforts but feel that we need to approach it differently - probably equating updates with money is not a good approach given that once someone gives money , they may start having a feeling of entitlement and we may not be ready to handle it.
Its a wrong fallacy to assume that NOs = people who dont want to part with their money at this stage. Let me put it this way for you with an example :-
Poll
1. Yes I want e-bill to save tree.
2. No I dont want ebill and I care a damn about the trees
3. Dont Care
The above poll is a loaded poll favoring one option only. Is the only reason someone may not want ebill is that they dont care a damn about the trees. NOPE. It can be a lot of other reasons - they may feel not so good about internet security or may not be internet savvy. And of course, paper bills can be on recycled paper and whole lot of other arguments are not covered.
Similarly your poll is very much loaded.
And again, you havent defined "more". Currently, I believe the contribution limit is 25 dollars per month. When you say more - what number are you thinking of. And now look at the folks who said YES. What numbers are they looking at. If you had put in a number and said "are you willing to pay x dollars per month .." - then you can be assured of that the members who say YES are on the same page as you. Right now, what you have is a number of folks but they may not be on same page.
And what is the definition of "updates" ? We are not working here on a fixed time project where the deliverable is due at the end of period 'x'. For quite a lot of period, the updates will be generic and on the lines of "we are working on getting to our goals and we are making progress". You will not get any more details than this. Turn around and check with the folks who said YES -- is this what they are expecting. Or they are expecting something different.
25 dollars per month equates to 0.6 % of annual salary for someone making 50k and only 0.3% of someone making 100k. Is this a big amount - Yes and No. It clearly depends on the individual. For lobbying you agree that the amount required is way more than what we currently are able to raise.
IV has probably 25k+ registered users. This is a good number to look at. Practically, how many of them have logged in and used this system for the last six months and three months and last month. I dont know the exact number but have a strong feeling that this number will probably in the 10-15 percentile only. And guests is not equal to an unregistered IV member. Not every person posts on this site. There are a lot of people who just browse the forums and dont post - they dont need to login everytime they come on to this site - therefore you will see a good chunk of visitors but they necessarily are not unregistered members.
Your intentions are good - but the approach you took needs to be refined further. None of what I wrote above is personally against you - I appreciate your efforts but feel that we need to approach it differently - probably equating updates with money is not a good approach given that once someone gives money , they may start having a feeling of entitlement and we may not be ready to handle it.
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