pkak
11-21 11:15 AM
If buying a house had been the smart option, I would have bought it already.
Please see the attached XLS.
BTW, independent analysts predict that housing prices will fall by 20% in real terms in next 10 years.
All I am stating is that this issue can be a good talking point for the Immigration Lobby, especially as the housing market continues its slide down:)
Since I could not upload the attachment, pasting the summary sheet.
Note: I am still assuming that price of house will slightly appreciate for this calculation.
ITEMS Amount
House Information
Buy Price of the house $300,000
Property Tax (Yearly) 7000
Additional utility and other costs 200
Loan Information
Down Payment 5%
Mortgage cost (one time) 5500
Rate 6.20%
Fixed Term (In years) 30
Monthly Mortgage Payment $1,745.54
House Insurance Premiums
Home Owners insurance (Monthly) 100
PMI (Monthly) 185
TOTAL MONTHLY PAYMENT $2,814.12
Assumptions
Tax rate 30%
Standard Deduction $10,500
Annual Property Appreciation/Depreciation rate 4.0%
Value addition expected cost $0.00
Value addition expected Benefit $0.00
Number of months expected to stay 60
House value at the end of stay period $366,299
Sale of property transaction
Selling Realtor Commission 6%
Selling Cost $21,978
Real estate transfer Cost $1,500
Net gain/loss on the property $37,321
Down Payment opportunity cost
Cash rate 4.0%
Amount lost $3,315
Current Rental Info
Current Rent $1,000.00
Total rent over the period of stay $60,000.00
Cash outflow net of principal and after tax benefits $104,189
Standard Deduction Adjustment $15,750
Results (Gain/Loss) $(25,933.34)
Please see the attached XLS.
BTW, independent analysts predict that housing prices will fall by 20% in real terms in next 10 years.
All I am stating is that this issue can be a good talking point for the Immigration Lobby, especially as the housing market continues its slide down:)
Since I could not upload the attachment, pasting the summary sheet.
Note: I am still assuming that price of house will slightly appreciate for this calculation.
ITEMS Amount
House Information
Buy Price of the house $300,000
Property Tax (Yearly) 7000
Additional utility and other costs 200
Loan Information
Down Payment 5%
Mortgage cost (one time) 5500
Rate 6.20%
Fixed Term (In years) 30
Monthly Mortgage Payment $1,745.54
House Insurance Premiums
Home Owners insurance (Monthly) 100
PMI (Monthly) 185
TOTAL MONTHLY PAYMENT $2,814.12
Assumptions
Tax rate 30%
Standard Deduction $10,500
Annual Property Appreciation/Depreciation rate 4.0%
Value addition expected cost $0.00
Value addition expected Benefit $0.00
Number of months expected to stay 60
House value at the end of stay period $366,299
Sale of property transaction
Selling Realtor Commission 6%
Selling Cost $21,978
Real estate transfer Cost $1,500
Net gain/loss on the property $37,321
Down Payment opportunity cost
Cash rate 4.0%
Amount lost $3,315
Current Rental Info
Current Rent $1,000.00
Total rent over the period of stay $60,000.00
Cash outflow net of principal and after tax benefits $104,189
Standard Deduction Adjustment $15,750
Results (Gain/Loss) $(25,933.34)
wallpaper pregnancy ultrasound twelve 12
webm
06-05 02:09 PM
I am not tracking approvals rate as such. But if, CIS hasn't used as many numbers have DOS reported, then as Ron suggested, dates will move forward for EB3 Ind.
Forward movement sounds good..but even with PD current(May,June VB's) folks are just sitting and waiting..just like me..:(
Forward movement sounds good..but even with PD current(May,June VB's) folks are just sitting and waiting..just like me..:(
mnq1979
08-22 10:18 AM
I wonder what is this article all about !!! pls. post the text here so that we can read it !!!!!:)
2011 3d ultrasound 20 weeks
sanbaj
07-31 05:30 PM
Hi sanbaj should the 485 RD become current or the PD should be current is enough to open the case ?
There is no definite answer to this question. USCIS is erratic on that. In my opinion, one's case is opened and process starts as soon as the case is Receipt Noticed. In my case, my PD was current since April, but RD was not. As soon as they reached my RD my app was approved. I think that is the general trend. But, they are not consistent on it. Therefore, no definite answer.
There is no definite answer to this question. USCIS is erratic on that. In my opinion, one's case is opened and process starts as soon as the case is Receipt Noticed. In my case, my PD was current since April, but RD was not. As soon as they reached my RD my app was approved. I think that is the general trend. But, they are not consistent on it. Therefore, no definite answer.
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Libra
07-06 05:15 PM
All -ve thinking and -ve posts guys one more victim is waiting for your stinking comments go ahead and enjoy by discouraging others
http://immigrationvoice.org/forum/showthread.php?t=6156
http://immigrationvoice.org/forum/showthread.php?t=6156
BharatPremi
09-19 03:54 PM
Your analogies are the best :)
Yes, That was the only way I could think of dealing with dumbheads.
Yes, That was the only way I could think of dealing with dumbheads.
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psaxena
11-19 03:59 PM
whose gonna do this???? Show me one who is going to do this..
I don't see anyone coming forward. So yeah please continue.
Also anyone for a seperate quota for JHUMRI TALIYA? Like me they are intelligent smart and focussed most of all they are willing to do something. So how about a seperate quota for JHUMRI TALIYA?
Come on this way we will get the GC much before than anyone else...
I don't see anyone coming forward. So yeah please continue.
Also anyone for a seperate quota for JHUMRI TALIYA? Like me they are intelligent smart and focussed most of all they are willing to do something. So how about a seperate quota for JHUMRI TALIYA?
Come on this way we will get the GC much before than anyone else...
2010 3d ultrasound 20 weeks boy.
JA1HIND
02-13 09:23 AM
"in india there is a proverb "ulta chor kotwaal ko daante" which exactly is the scenario ......"
Well, in that case you become a ulta employee and trouble your employer...
NKR, not sure if you heard about this one proverb... "jabh kismath GA***U hai tow kya karey ga PANDU"....we unfortunately get trapped with such type of employers who trouble their employees and learn lessons in hard way and looks like you haven't encountered any such experiences with your employer, if that's the case you are lucky enough & I wish you would NEVER fall into such employers hands who would trouble for so many other different reasons and this could be one way....or not sure if you should have one small experience and see how you feel just for the heck of it....
I can sit here and add as many proverb's here all day long but the point here is try to be supportive to folks who are seeking for some help rather then sharing your "KATARA" proverb's..try to improve your thought process if you can....
Well, in that case you become a ulta employee and trouble your employer...
NKR, not sure if you heard about this one proverb... "jabh kismath GA***U hai tow kya karey ga PANDU"....we unfortunately get trapped with such type of employers who trouble their employees and learn lessons in hard way and looks like you haven't encountered any such experiences with your employer, if that's the case you are lucky enough & I wish you would NEVER fall into such employers hands who would trouble for so many other different reasons and this could be one way....or not sure if you should have one small experience and see how you feel just for the heck of it....
I can sit here and add as many proverb's here all day long but the point here is try to be supportive to folks who are seeking for some help rather then sharing your "KATARA" proverb's..try to improve your thought process if you can....
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buddyinsd
01-26 02:02 AM
It looks like guys from AP are running away from all the mess their state is currently in. On one hand there's that YSR's son trying to create havoc for the ruling Govt. His dad and himself being the most corrupt politicians the state has ever seen. On the other hand, there's this filthy congress high command trying to counter him. Its like CORRUPT1 vs CORRUPT2 trying to get the throne so that they can remain CORRUPT. And in the wings are parties like TDP, TRS and PRP --- Really, is there a political party in AP (or even India) where one can call it corrupt free? ha ha
I'm not a gulti, but I don't think u can really blame them :). Unfortunate but true :mad:
I'm not a gulti, but I don't think u can really blame them :). Unfortunate but true :mad:
hair 3d ultrasound pictures at 26
ramudu
10-29 10:26 AM
My EAD is now pending 96 days..no luck..not going anywhere with USCIS - they have stopped responding also.
All your posting makes sense but I suggest each of us write a letter to CISOmbudsman explaining your case so that it gets documented and they can put some pressure on USCIS on explaining as to why across the board they are dealyed i issuing EAD renewal. USCIS keeps claiming its only 1.3% of cases thats pending but why? What reason? We all understand they may be loaded but atleast if they cant handle the laod they should admit it and issue interim EAD. Just keping mum does not help. What i cant understand is if they can approve my AP on time whats the issue with EAD?
I have really started questioning myself as to why i am in this country. Its no more a land of oppurtunity..its really disccouraging for the young graduates who are heading to this country or graduating in US Universities.
All your posting makes sense but I suggest each of us write a letter to CISOmbudsman explaining your case so that it gets documented and they can put some pressure on USCIS on explaining as to why across the board they are dealyed i issuing EAD renewal. USCIS keeps claiming its only 1.3% of cases thats pending but why? What reason? We all understand they may be loaded but atleast if they cant handle the laod they should admit it and issue interim EAD. Just keping mum does not help. What i cant understand is if they can approve my AP on time whats the issue with EAD?
I have really started questioning myself as to why i am in this country. Its no more a land of oppurtunity..its really disccouraging for the young graduates who are heading to this country or graduating in US Universities.
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saimrathi
07-07 10:30 PM
Great job.. This is exactly what we need.. National coverage on this issue..
http://www.youtube.com/v/RVhgb6yoc8w
http://www.youtube.com/v/RVhgb6yoc8w
hot 3d ultrasound pictures at 26
jonty_11
07-06 06:20 PM
just been informed that the newscast is going is to happen tommorow. apparently there was some "breaking" news!! guys make sure you tune in tomorrow!!
tommorow what time (provide Time Zone also)
tommorow what time (provide Time Zone also)
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house 3d ultrasound 20 weeks boy.
hydboy77
02-11 05:08 PM
vdl rao is an irrational person. without any sound reasoning he started that stupid thread "eb2 India will be current", when I tried to point out something about the amount of eb3 to eb2 portings going on and how this will set the eb2 dates back significantly I was given red dots (what else can they do). The people in that thread were halucinating about eb2 being current. Reality should now set in, there in no way eb2 is even going to 2006 anytime soon. This is the sad reality.
Last year there were only about 3 to 4k spillover from eb1 to eb2, eb2 row pretty much consumed all the eb2 row numbers and there was no spillover from eb2 row to eb2 india and eb2 china.
If the same trend continues we might get 3k spillover to eb2 india\china which will advance PD by a month. Some people are hoping that because of the bad economy there might not be many eb1 applications and that will lead to spillover to eb2, that is wrong assumption, the people getting approval in eb1 in 2009 are people who applied in 2008 and earlier when the economy was doing good, lay offs started only in nov-dec of 2008. Even if eb1 applications drop because of bad economy the results would be reflected in 2010 and not in 2009.
USCIS is not going to waste any visa numbers anymore. That means the last rollover from FB to eb has already happened in 2008 and might not happen ever again.
Last year there were only about 3 to 4k spillover from eb1 to eb2, eb2 row pretty much consumed all the eb2 row numbers and there was no spillover from eb2 row to eb2 india and eb2 china.
If the same trend continues we might get 3k spillover to eb2 india\china which will advance PD by a month. Some people are hoping that because of the bad economy there might not be many eb1 applications and that will lead to spillover to eb2, that is wrong assumption, the people getting approval in eb1 in 2009 are people who applied in 2008 and earlier when the economy was doing good, lay offs started only in nov-dec of 2008. Even if eb1 applications drop because of bad economy the results would be reflected in 2010 and not in 2009.
USCIS is not going to waste any visa numbers anymore. That means the last rollover from FB to eb has already happened in 2008 and might not happen ever again.
tattoo 3D ultrasound of baby yawning
greenlight
05-12 03:26 AM
Hello,
I am EB-3 ROW, and my PD has been current since March 2008.
I am wondering if anyone had to interview before their green card was approved? If so, please share your experience as well.
Thank you and congratulations.
I am EB-3 ROW, and my PD has been current since March 2008.
I am wondering if anyone had to interview before their green card was approved? If so, please share your experience as well.
Thank you and congratulations.
more...
pictures about 30 weeks that is 3d
chanduv23
10-26 05:17 PM
Another news making. Advice to all of Youngster Indians and Indians here by the India's outsourcing chop shop IT messihah Infosys Chief.
Don't look at IT industry as means to settle abroad: Narayana Murthy - The Economic Times (http://economictimes.indiatimes.com/tech/ites/Dont-look-at-IT-industry-as-means-to-settle-abroad-Murthy/articleshow/6815589.cms)
Well, what is the point in saying it now, he should have said it in the 90s and early 2000 when industry was booming and people found a career path in coming to the US.
Right now, so much work is outsourced and it is continuing. Very difficult to get a IT job in US on h1b and IT consulting on h1b also facing so many hurdles. For any new immigrant on a software job who wants to get a h1b visa and green card - it is not an easy task.
Don't look at IT industry as means to settle abroad: Narayana Murthy - The Economic Times (http://economictimes.indiatimes.com/tech/ites/Dont-look-at-IT-industry-as-means-to-settle-abroad-Murthy/articleshow/6815589.cms)
Well, what is the point in saying it now, he should have said it in the 90s and early 2000 when industry was booming and people found a career path in coming to the US.
Right now, so much work is outsourced and it is continuing. Very difficult to get a IT job in US on h1b and IT consulting on h1b also facing so many hurdles. For any new immigrant on a software job who wants to get a h1b visa and green card - it is not an easy task.
dresses 3D ultrasound 12 weeks
GCOP
04-20 12:40 PM
Friends,
The previous post has a very good draft, but in addition, we should add recapture of unused visas. Let's hope for the best. Thanks
The previous post has a very good draft, but in addition, we should add recapture of unused visas. Let's hope for the best. Thanks
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makeup 3d ultrasound 20 weeks boy.
kaisersose
06-05 01:32 PM
I am curious to know the Answer
Since the H-1 will be cancelled by the previous employer, the answer is No.
Since the H-1 will be cancelled by the previous employer, the answer is No.
girlfriend thumb in a 3D ultrasound
gapala
02-21 12:03 PM
Bujjigadu123, do not forget to graciously ask him,
1) What is this appointment for visit about?
2) What is he going to do with the information that he is collect from you? Specifically when he collects personal and sensitive information.
3) You should ask if its possible to meet at workplace or somewhere else other than home.
I would not be comfortable meeting unknown people specifically at home with a single phone call, its not safe too.
1) What is this appointment for visit about?
2) What is he going to do with the information that he is collect from you? Specifically when he collects personal and sensitive information.
3) You should ask if its possible to meet at workplace or somewhere else other than home.
I would not be comfortable meeting unknown people specifically at home with a single phone call, its not safe too.
hairstyles 3D Ultrasound Image - 30 weeks
glus
09-26 07:35 AM
Hi,
I think at this point, you need to show that the original 2000 graduation date was final and true. I would try to get a letter from your school stating that you did graduate with B.S. degree in 2000 and 2000 was the graduation year. Try to get an official letter stating that. The letter could, if possible, explain why later dates appear on you degree transcript. However, it must underline that you graduated in year 2000.
I think at this point, you need to show that the original 2000 graduation date was final and true. I would try to get a letter from your school stating that you did graduate with B.S. degree in 2000 and 2000 was the graduation year. Try to get an official letter stating that. The letter could, if possible, explain why later dates appear on you degree transcript. However, it must underline that you graduated in year 2000.
IndianIII
09-27 10:35 PM
Your university looks like a wierd one. How can one get a course completion certificate when there were 2 papers pending.
bujjigadu123
02-22 03:49 PM
if your case is straight forward...... you have nothing to worry about........
Hi
Could you please tell me what I should be ready with to confirm my case is straight forward.
I am ready with LCA, H1 visa stamped passort ( for me and for my family), Pay stubs, client appreciation letters, h1 approval notice, past experience letters, offer letter.
Please let me know what else I should be ready with?
Hi
Could you please tell me what I should be ready with to confirm my case is straight forward.
I am ready with LCA, H1 visa stamped passort ( for me and for my family), Pay stubs, client appreciation letters, h1 approval notice, past experience letters, offer letter.
Please let me know what else I should be ready with?
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