sledge_hammer
11-25 02:23 PM
It would have been ideal if they mandated 1:5 ratio. Unfortunately, with lax lending standards and unregulated banking, people made almost zero down payment (instead of the normal 20%) and bought into loans they couldn't afford in the first place.
I would still blame the borrower 95% for all the mess.
Almost similar except:
1. You can't sell with a single click on E-Trade
2. Unlike stocks You pay taxes on your house every year.
3. You are leveraged 1:5 in your investment.
4. Your real estate investment is based on debt while stock (with an exception of margin calls) is purely on cash.
5. In stock you can never loose more than you invested. (again margin calls are exception)
6. You don't pay to play or you don't constantly have to pay to keep what you have invested.
7. Govt don't give you tax breaks to buy stock.
8. Equity holders are never bailed out by govt.
That makes real estate much leveraged and bigger liability than stock could stock ever be. And somehow govt. wants to promote home owner society but discourage stock ownership or saving minded frugal individual investors like us.
I would still blame the borrower 95% for all the mess.
Almost similar except:
1. You can't sell with a single click on E-Trade
2. Unlike stocks You pay taxes on your house every year.
3. You are leveraged 1:5 in your investment.
4. Your real estate investment is based on debt while stock (with an exception of margin calls) is purely on cash.
5. In stock you can never loose more than you invested. (again margin calls are exception)
6. You don't pay to play or you don't constantly have to pay to keep what you have invested.
7. Govt don't give you tax breaks to buy stock.
8. Equity holders are never bailed out by govt.
That makes real estate much leveraged and bigger liability than stock could stock ever be. And somehow govt. wants to promote home owner society but discourage stock ownership or saving minded frugal individual investors like us.
wallpaper fondos de amor
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.
--
gccovet
08-07 12:23 PM
Good for you..
People yet another case who is going to crossover to the EB2 line...
Sunny ,
What is your PD???
People yet another case who is going to crossover to the EB2 line...
Sunny ,
What is your PD???
2011 llena de amor wallpaper;
kshitijnt
05-11 12:17 AM
Oh, did that comment on Brahma and Saraswati incest hurt you? tsk, tsk, tsk.. too bad.
Well, you should have read and responded to the comment before that before pretending to be hurt about my response. I didn't start it.
If you are ready to make such bigoted comment, NEVER expect that you can get away that. Believe me, internet is limitless and I can shovel dirt about India in this forum, if I want to with a google search(which is not my intent here)
Yes of course, I didnt go to any american forum to shovel dirt but you did come here just like Bush doctrine of pre empting anyone who you are remotely jealous about. So it shows who is bigoted & uncivil. It does talk a lot about your "mentality" or rather american mentality.
Well, you should have read and responded to the comment before that before pretending to be hurt about my response. I didn't start it.
If you are ready to make such bigoted comment, NEVER expect that you can get away that. Believe me, internet is limitless and I can shovel dirt about India in this forum, if I want to with a google search(which is not my intent here)
Yes of course, I didnt go to any american forum to shovel dirt but you did come here just like Bush doctrine of pre empting anyone who you are remotely jealous about. So it shows who is bigoted & uncivil. It does talk a lot about your "mentality" or rather american mentality.
more...
MYGC2008
10-02 11:11 AM
Hello rajsat,
By September 28 all the Visas are exhausted(2009 Quota). Please see the thread "September Visa Approvals". Infact some one was saying USCIS stopped issuing GC for the last week as they have used all visas. That may be the case they would have withdrawn approved GC
But try all the possibilities like SR, Infopass, Congressman, etc and let the local office be aware of Oct Visa bulletin and now are current and visas are available.
Best of luck
Both notices say september28
By September 28 all the Visas are exhausted(2009 Quota). Please see the thread "September Visa Approvals". Infact some one was saying USCIS stopped issuing GC for the last week as they have used all visas. That may be the case they would have withdrawn approved GC
But try all the possibilities like SR, Infopass, Congressman, etc and let the local office be aware of Oct Visa bulletin and now are current and visas are available.
Best of luck
Both notices say september28
Ramba
11-25 06:36 PM
Good advisory discussion. It is scary. I have a fundamental question. I heard that foreclosure and bancrupcy that is not easy anymore. A guy owe a mortgage loan for 100K, and not able to pay and forecloses it. If the bank aution the house only for 50K, he has still pay remaining amount (50K) to the bank. He cant just walk away, unless he files bankrupcy. Is that true?
more...
gk_2000
04-04 07:29 PM
You are kidding right. I currently has - 20,000 points. So that would mean 20 k IV members did not like what i stated and yes that is 20 k within a week :D:D:D
I occasionally happen to say something they like to hear. I may criticize, but I try to appreciate where it is warranted. World doesn't run by criticism alone.
The plus point with you is, you never use abusive language and your arguments (at least for the most part) look sane and rational. I wish more intelligent people would interact with you so that the discussion results in some good knowledge being produced.
Apart from that, what I dont understand is that you say that unless spillover is fixed not even visa recapture can help EB3i. Are you familiar with the numbers for this?
I occasionally happen to say something they like to hear. I may criticize, but I try to appreciate where it is warranted. World doesn't run by criticism alone.
The plus point with you is, you never use abusive language and your arguments (at least for the most part) look sane and rational. I wish more intelligent people would interact with you so that the discussion results in some good knowledge being produced.
Apart from that, what I dont understand is that you say that unless spillover is fixed not even visa recapture can help EB3i. Are you familiar with the numbers for this?
2010 amor wallpaper. fondos de
indianabacklog
06-27 04:12 PM
Can somebody answer this....
I was defintively told to leave the SSN box empty. An ITIN is not like SSN and is only issued to the individual can be put on a tax return, NO other purpose.
I was defintively told to leave the SSN box empty. An ITIN is not like SSN and is only issued to the individual can be put on a tax return, NO other purpose.
more...
walking_dude
01-08 12:08 PM
Guys, please desist from using this thread for discussions unrelated to the main topic (whether you can buy houses on H1/EAD etc.). There are other forums and threads on IV where these types of issues can be discussed in detail. If you don't find any, you can start a new thread of your own.
Let's keep the discussion here focussed on IV action items. Thanks for your understanding and cooperation.
Let's keep the discussion here focussed on IV action items. Thanks for your understanding and cooperation.
hair amor wallpaper
kumhyd2
07-12 09:17 AM
How would it be to forward the media coverage links to all the attorneys so that they are aware of what is happening and also provide some kind of support or atleast get associated with IV. Also some members may take the initiative of posting these links to thier blogs so that every one will get to know about the IV through others blogs.
more...
Chris Rock
09-24 12:17 PM
You guys need to learn the basic rules of EB visa allocation
1) All EB categories need to worry about current backlog. EB3 India only need to worry about current backlog and future backlog. If more people file visa in 2 years, EB3-India will be in hot soup.
2) Eb3 India is at the bottom of the food chain. It will get visa only after every other category is current.
EB3 I getting spill over numbers depends on many factors. If atleast one factor goes wrong then EB3I will be in soup again.
When dates become current lots of people with approved 140 will file 485 and do you know who will be affected most? EB3 India
When you do your calculation add this on top of your equation.
1) All EB categories need to worry about current backlog. EB3 India only need to worry about current backlog and future backlog. If more people file visa in 2 years, EB3-India will be in hot soup.
2) Eb3 India is at the bottom of the food chain. It will get visa only after every other category is current.
EB3 I getting spill over numbers depends on many factors. If atleast one factor goes wrong then EB3I will be in soup again.
When dates become current lots of people with approved 140 will file 485 and do you know who will be affected most? EB3 India
When you do your calculation add this on top of your equation.
hot wallpaper amor wallpaper.
abuddyz
01-17 04:02 PM
everyone,
please also post the detail about when was your H1 approved. In which month and year. It might be possible that recently approved H1 is talking more time... just my guess.. if we post about H1 approval time frame then it will help us to decide something about which cases are taking more time..
please also post the detail about when was your H1 approved. In which month and year. It might be possible that recently approved H1 is talking more time... just my guess.. if we post about H1 approval time frame then it will help us to decide something about which cases are taking more time..
more...
house de amor wallpaper. llena
vnsriv
01-24 04:29 PM
Looks like it's a high time for a non-stop GC(Green Channel) airlines between US and India. Lets contact Ambani's. They of course can raise money for this within days thru their IPO or atleast influence Indian Govt to do so.
tattoo amor
snathan
08-20 12:28 PM
one question?? does it need high speed cable or DSL can work too???
You question is not clear. Yes, the internet connection wont be affected and the phone line can work with Cable or DSL.
You question is not clear. Yes, the internet connection wont be affected and the phone line can work with Cable or DSL.
more...
pictures arbol de amor
naushit
10-01 03:24 PM
Alright, Finally I got CPO email , Life is good.
Thanks,
-N
Finallly, my online status changed from "Initial review" -> "Document production" and also got email from Senator's office that my case is approved.
I think I got it....but not 100% sure yet...no approval emails yet... or no other proof.
Thanks,
-N
Thanks,
-N
Finallly, my online status changed from "Initial review" -> "Document production" and also got email from Senator's office that my case is approved.
I think I got it....but not 100% sure yet...no approval emails yet... or no other proof.
Thanks,
-N
dresses wallpapers de amor. llena de
ski_dude12
09-13 06:41 AM
Still waiting... even after dates being current for 2 1/2 months now.
Where is your case now? Any update?
Where is your case now? Any update?
more...
makeup Primavera de amor Wallpaper de
H1B-GC
10-18 04:51 AM
Who is this " Mr. Cannon" ??
girlfriend Karina Wallpaper: Amor a
bestin
04-01 11:23 AM
Guys do not feed the freeloaders by telling anything you are reading in the donor forum. Let these people help themselves by signing up for recurring contributions if they want helpful nformation about their EB2 PD movemement. We are still not meeting of our advocacy day amount. It is all because most people want free lunches. This needs to stop. The 200 people going to DC tomorrow are going to speak for you and me for yours and mine greencard. They are taking time off and spending own money for you and me. Nothing is free in this world. IV is also doing this for you and me and we are taking it for granted. Let people do some good deed today if they want to know good information
I am not sure if u were born as an idiot or became an idiot after being turning a so called "donor".
To be frank I stopped contributing as and when IV started having donor forums.
There are thousands of websites and forums througout the internet to get info and what VKBris posted may not even come close to what Q and Teddy and so many others used to share as a group.
Now coming on to freebies,What benefit does IV provide to past contributors.I have contributed in the past, have been active at the initial stages,have spent my own money and booked airtickets to meet senators.Been a leader in a state chapter.But later realised that it was not worth for this forum which has partitions among so called donors.
Why the heck does any one want to see in a home page about posts on a donor forum.Just hide it and keep it among yourself and discuss .
Now red may follow,and a possible ban.
I am not sure if u were born as an idiot or became an idiot after being turning a so called "donor".
To be frank I stopped contributing as and when IV started having donor forums.
There are thousands of websites and forums througout the internet to get info and what VKBris posted may not even come close to what Q and Teddy and so many others used to share as a group.
Now coming on to freebies,What benefit does IV provide to past contributors.I have contributed in the past, have been active at the initial stages,have spent my own money and booked airtickets to meet senators.Been a leader in a state chapter.But later realised that it was not worth for this forum which has partitions among so called donors.
Why the heck does any one want to see in a home page about posts on a donor forum.Just hide it and keep it among yourself and discuss .
Now red may follow,and a possible ban.
hairstyles house wallpaper de amor.
chanduv23
04-25 01:17 PM
May I ask your immigration status. I believe you already got your GC and roaming around here just beat shit out of others. Each and every of your post is convincing me in that direction only. You would be happy to see the H1 guys thrown out from here. So it will increase your demand and you can make more money. What kind of person you are. is there any difference between you and anti-immigrant. Or are you that coming with Indian name to make fool out of us.
If you dont believe me, you read all your posts again. You are always talking about banning desi consultant. You are more than welcome for that. But you did you even thought about a second for guys who are genuine and unfortunate to work for them.
People are already stressed out. If you got your GC please go-away and enjoy your freedom.
senthil1 is one of those who is "shut the door behind you" kinds folks. He has been consistent on his stand and he wants to side anti immigrants. He is a disgrace and shame to your community. I had a feeling that sometime back he was 'reformed criminal" but does not seem so anymore.
If you dont believe me, you read all your posts again. You are always talking about banning desi consultant. You are more than welcome for that. But you did you even thought about a second for guys who are genuine and unfortunate to work for them.
People are already stressed out. If you got your GC please go-away and enjoy your freedom.
senthil1 is one of those who is "shut the door behind you" kinds folks. He has been consistent on his stand and he wants to side anti immigrants. He is a disgrace and shame to your community. I had a feeling that sometime back he was 'reformed criminal" but does not seem so anymore.
gbof
10-06 09:10 PM
guys,
I replied to the PMs abd as req I sent the letter sample that I sent to Janet N. Kewlchap and fatjoe I didn't get ur email ids......
You can get my letter from caliguy or gbof I sent them my letter too.YES I DID APPROACH CIS OMBUDSMan
Regards,
SoP
SoP, i got NO mail from you-- just check if you got my e-mail right
I replied to the PMs abd as req I sent the letter sample that I sent to Janet N. Kewlchap and fatjoe I didn't get ur email ids......
You can get my letter from caliguy or gbof I sent them my letter too.YES I DID APPROACH CIS OMBUDSMan
Regards,
SoP
SoP, i got NO mail from you-- just check if you got my e-mail right
puddonhead
06-18 12:58 PM
>> I disagree. By not reporting the fraud at workplace, it puts rest of workforce not at level playing field.
Hmmm.. Level playing field. You mean the field where you set the rules? UAW did that in GM - you know?
If there is someone who can do my job cheaper or better or more efficiently - by all means it should go to him. I need to then find something where I am good at. Thats what competition is! Of course - this "efficiency" can not come by illegal behavior. Illegal behavior (like the L1 fraud) has other hidden problems.
So on your question about "l1 fraud": by all means I am for reporting it. However, there is another overriding concern for ALL OF US - how will the economy behave? I dont want to worsen things by "reporting fraud" at a mass scale right now and create trouble for companies that are already suffering. I will do that when that will be beneficial for the US Economy (translation - "all of us - even citizens").
I am not for tolerating or condoning illegal behavior - however, I am all for moderating my responses and prioritizing the fights. I am also for not behaving like the UAW members.
>> You are right. If you are not impacted by fraud, one will be least interested in reporting the fraud. Only when you get impacted, the fraud appears real and serious.
You are reading between the lines too literally - so much so that you misinterpret everything like the bible-thumpers. Impact "me" = Impact "us" = Impact "everybody in the US - including the US Citizens".
>> Taking your example further, due to budget constraints, the manager will be more inclined to replace workers to L1 workers to save cost. Do you want this? This will impact people in short term.
Same answer as the first question.
It's a pretty nuanced position. I hope I have been able to explain it properly.
Hmmm.. Level playing field. You mean the field where you set the rules? UAW did that in GM - you know?
If there is someone who can do my job cheaper or better or more efficiently - by all means it should go to him. I need to then find something where I am good at. Thats what competition is! Of course - this "efficiency" can not come by illegal behavior. Illegal behavior (like the L1 fraud) has other hidden problems.
So on your question about "l1 fraud": by all means I am for reporting it. However, there is another overriding concern for ALL OF US - how will the economy behave? I dont want to worsen things by "reporting fraud" at a mass scale right now and create trouble for companies that are already suffering. I will do that when that will be beneficial for the US Economy (translation - "all of us - even citizens").
I am not for tolerating or condoning illegal behavior - however, I am all for moderating my responses and prioritizing the fights. I am also for not behaving like the UAW members.
>> You are right. If you are not impacted by fraud, one will be least interested in reporting the fraud. Only when you get impacted, the fraud appears real and serious.
You are reading between the lines too literally - so much so that you misinterpret everything like the bible-thumpers. Impact "me" = Impact "us" = Impact "everybody in the US - including the US Citizens".
>> Taking your example further, due to budget constraints, the manager will be more inclined to replace workers to L1 workers to save cost. Do you want this? This will impact people in short term.
Same answer as the first question.
It's a pretty nuanced position. I hope I have been able to explain it properly.
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