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  • hopein07
    02-19 04:43 PM
    Cash Surrender Value
    The sum of money an insurance company will pay to the policyholder or annuity holder in the event his or her policy is voluntarily terminated before its maturity or the insured event occurs. This cash value is the savings component of most permanent life insurance policies, particularly whole life insurance policies. Also known as "cash value", "surrender value" and "policyholder's equity".

    Notes:
    Cash surrender value applies to the savings element of whole life insurance policies that are payable before death. However, during the early years of a whole life insurance policy, the savings portion brings very little return compared to the premiums paid.

    You are correct when you look at early years only. But for the longer term whole life is better. Yes for short term Whole life can be very bad.
    Read the pros and cons on the NY State website at the end.
    http://www.ins.state.ny.us/que_top10/que_life_who.htm

    Pros:

    Predictable, in most cases premiums are fixed for the life of the insured.
    The beneficiaries receive the death benefit no matter when the insured dies, as long as premiums were paid.
    The policy may build up cash value, which grows tax deferred.
    If you surrender the policy at a later date, the cash value, if any, will be returned to you.
    If you stop making premium payments you can receive the cash value or use that cash value to provide a paid up insurance benefit. The company must provide either extended term insurance coverage or reduced paid paid-up coverage. While it is not required that both options be offered many companies do make both available.

    Cons:

    A more complex product than term life insurance.
    Higher premiums than term life insurance.
    Could be costly if coverage lapses early. (You don't want to cancel early and if you are not sure then never take Whole Life. If you are planning for long term only then take Whole life)





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  • logiclife
    08-27 12:52 PM
    What if DMV refuses to renew the license if I-94/H1 is extended for 1 year (mostly in the case of H1 extension beyond 6th year) but is not stamped on your passport. This happened with me. DMV officer insisted on visa stamped on my passport and he was not ready to accept the I-797 form which I was showing. Finally, I've to go to other DMV and count on my luck to get my license renewed.
    This is a as much a problem with DMV as a problem with employees. I did not 100% agreed with your comments that it's a problem with an employer. Now a days even filing 6 months prior to expiration is not guranteed to give you a timely approval.
    In Florida, no matter if you have 1 yr or 3yrs I-94/Visa, they only issue you a license for 1 year. Period. Florida..anyway sucks.

    Also, can someone tell me, once you get an EAD, can we use that to get the license renewal?

    Yes, I agree with you. Asking for valid visa stamp is too much, the latest I-797 and latest valid I-94 should be enough to get driver's license, because latest valid I-94 proves that you are legal and that's enough. Passport stamp is not neccesary to prove legal status.

    The sad part is that employers should get involved with state legislature and state regulators, DMV etc to make sure their foriegn workers have ability to get driver's license based on approved I-797. Its a mess.





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  • willgetgc2005
    11-10 02:07 PM
    Yup,

    This has been very elusive for us since 2005. It has been sorta near and never happened at every occasion in the past.


    I wonder why Bush is not asking for CIR in Lame Duck. I mean, he pushed for it hard.




    game over for lame duck





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  • mnq1979
    06-10 02:41 PM
    Thanks, i managed to open a new thread !!!!



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  • docwa
    08-05 11:20 AM
    If your application is an SRC then:
    call (800) 375 � 5283 then 1-2-1-recpt number-1-1-wait for recorded status-3-4 speak with customer service.





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  • natrajs
    09-29 09:38 AM
    Do you see any possible forward movements in Nov 08 bulletin? EB2? EB3?
    Any educated guesses, rumours, inside news etc? Not that it will change anything but by now USCIS would have taken stock of the situation and possibly updated their demand projections

    Here is some historical data for EB2-I (not that it will exactly help..)


    oct 05 - nov 99
    nov 05 - nov 99
    dec 05 - july 00
    jan 06 - jan 01
    .....

    oct 06 - jun 02
    nov 06 - jan 03
    dec 06 - jan 03
    jan 07 - jan 03
    .....

    oct 07 - apr 04
    nov 07 - apr 04
    dec 07 - jan 02 :)
    jan 08 - jan 00
    Feb-Mar 08 - U
    Apr 08 - Dec 03
    May 08 - Jan 04


    Guess What from NOV - 08 to July 09, the VB will have older Cut off dates and after July 09 DOS will open the flood gate and move the cutoff of to 2007 or even 2008.

    USCIS will start approve the cases with later PD's and the leave the older PD's on the air.

    It is a mess. I don't have any trust in USCIS



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  • aadimanav
    01-23 12:06 AM
    :confused: It must be typo.





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  • santa123
    10-15 04:36 PM
    I am trying to submit my FOIA request to get copies of I140 and PERM.
    I have not applied for my I485
    Where and how do I get my A#?



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  • whitecollarslave
    04-23 04:25 PM
    ^^^^

    With a few bills introduced or in the works, isn't it the time now to act and bring about awareness to our problems? I know IV has been working through state chapters. We can supplement those efforts with other means such as those suggested in this thread. We need to create an uproar about the hopeless situation and endless wait times due to retrogression, backlogs, and bureaucracy. I am not suggesting anything drastic. Just some peaceful ways that won't offend anybody to draw attention to the forgotten issues of EB immigrants.





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  • suresh.emails
    12-11 08:28 PM
    Out of all these how many do you think you yourself will be able to do?

    It is not I, who decides it on what to do. It is always the opinion of majority members.



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  • saimrathi
    07-10 03:16 PM
    So USCIS will never see the flowers becoz they are boxed.. and they will never get delivered becoz they are being routed from the airport itself. No major news media covered the few deliveries at USCIS.. What was the point of the campaign again?

    For those of you who is interested in one line Q/A

    "Is the flower campaign working? Yes"

    "Are we good enough with what we have done? Not 100%"

    What happened

    We were at the loading dock by 10 30 am ( Delivery estimate was between 11 am and 1 pm) and DHL appeared to
    have already delivered around 50 boxes once around 9 am. All the flowers we sent are boxed . The visuals will
    be boxes and not flowers in the evening when the youtube video will be uploaded. UPS delivered nex. We got the
    video of the whole delivery and so did the CNN-IBN/Voice of America folks. There were around 30 boxes or so from
    UPS. Next Fedex delivered and there were around 10-15 boxes coming out. While we were doing the recording one of the
    officers politely told us not to capture federal buildings and we told them that we were only capturing the delivery of
    flowers. After this what ever truck was coming in, they were reversing and pushing back into the dock so that the
    delivery cannot be taped. CNN-IBN reporter asked for permission to go inside the loading dock and she was promptly
    denied any permission. Then We had a down pour for almost 20-30 minutes and we had to leave the place.
    It appears that the S&H dept now knows that most of the flowers are being delivered by DHL/UPS/FEDEX, they are taking
    care of the diversion at National airport it self.

    In the future if any one wants to do a flower campaign, Please select 2 local florists
    (only two florists, in that particular city) and have people call and place orders/online. That way
    we can talk with 2 florists and track their delivery easily for picture/video. Every one who tried to call
    FTD/proflowers had alot of trouble getting any thing out of them. Actually, we cant blame them because they
    are not doing it locally,instead they are putting their orders via national carriers.

    Where do we go from here

    If people really want to go out and get the main stream media attention, DC is the perfect choice. How ever,Don't plan on a weekend. If we do it right, we could be live on TV and the whole country will ask whats going on, along with the law makers. That will offer a platform for solving the issue at its roots.If you really want to do this, Dont come up with reasons like I dont have time off for a day or I have a project due. I can understand if 1 or 2% of our active members say it, but when 98% of our active members say that I can understand what it is. May be its time we figure out whether we prefer anonymity and pontifical verbatim on the online forum to expressing our concern/disappointment openly. Do not get offended and start flaming me. Just my thoughts.





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  • senthil1
    04-14 09:49 PM
    Your employer might think that it is difficult to find a project in the current economic condition. Anyhow your husband started working there should not be any issue. You can join another company after 6 months.

    Yesterday, I was told by the client that my project is going to end by this month end i.e Apr 30. Actually it was supposed to go for the next 2 years. I am currently in the project working for the project. They said the lay off was becoz of budget issues. But I see I am the only one that is target in this lay-off. I am working with the same client for the past 3 years. The lay off news was really shocking and devastating.
    I am currently 9 months pregnant. As the client did that to me, I thought that atleast I might have some options with my current employer. My employer is a desi consultancy. I never been on Bench for single day for the Past 6 years ( Day 1 that I entered into US to till now).
    When I spoke to my employer today he gave me a termination letter stating that my project end date will be my last date with them. It was more shocking. I will be on maternity leave anytime in month of may depending on the delivery. I don't see any possible options that any client can take me into project when I am in 9th month of pregnancy.
    As my husband is doing consulting, I filed the green card thru this employer, 485 is pending more than 180 days, 140 approved in EB2 category. We paid all the attorney fees and filing fees from our pocket. We spent nearly $10,000 for the GC process. My husband was on bench for the past 2 months. He got a job on EAD which is going to start next week.
    1. I see that my employer is terminating me immediately because he can avoid maternity expenses. I told him that I will take 3 months FMLA for unpaid maternity leave from Apr 30th. And look for the Job immediately after delivery and get into the Job. But still he is telling he won't provide me that time. Maintaining the status is very important for me as me and my husband depends on the EAD.
    2.My medical insurance is with my employer, If I get laid off in this critical situation, I won't be having insurance. We can't afford the delivery expenses without insurance.
    3. Even though my husband will get insurance with the new company, We are not sure that company will cover the pre-existing pregnancy that is in final stages.
    4. And also not sure that the insurance will be under the network of OBG/YN and the hospital I registered for delivery. His job is in different state but he will find out the options once he starts his job next week.
    5. Does anyone think that my employer is discriminating the law? He is terminating me immediately becoz I am pregnant.
    I am not sure whether he is doing the right thing but the situation I am in is the worst situation I ever expected of. Its lot of stress on me and my baby. We are unable to sleep for hour with all the tensions ahead. My husband's job is dependent on my valid status. If something screw up we both be in very bad situation. I really don't want any one in my situation.
    Please help me, if any one know any options where I can maintain my status during the pregnancy and maternity leave, Please tell me.



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  • webm
    05-21 03:36 PM
    They could be using some distributed web caching like akamai.

    Cheers,
    -b
    Processing Times page not working--are they updating??
    https://egov.uscis.gov/cris/jsps/Pro...viceCenter=TSC





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  • ssss
    08-18 12:40 PM
    I have paper filed at NSC on June 11th, with a RD June12th.
    No approval yet. My AP was approved long back



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  • poorslumdog
    03-19 11:50 AM
    Did my post suggest in any way that I was defending the guy? I was only ridiculing those who were bad mouthing him.

    Are you suggesting that my post would have scored more points if I came out with more ammunition? I did not post in order to win your accolades. The fact that you felt there is not enough ammunition, suggests to me that you think it is perfectly fine to do all those filthy things I was referring to. This tells me about your moral standard.

    You had to assume that I probably have a criminal issue too, and thats why I was defending the original poster? Is that the best your mind can think of?

    You are sick and tired of defending our community? Do you imply that most people from our community have turned to criminal acts these days, and so you are tired? Because, I have not seen that around the people that I move around with. Is it all too common in your circles and the people you associate with?

    You most probably have half the education that I have, your salary is most likely half that of mine, and your moral standard is probably half that of mine. If I start ridiculing you more, you will suffer sleepless nights. So I won't do it (after this post, I mean).
    You don't post bullshit in a public forum, just because you can't see the people you are talking to, infront of you. Would you dare call the original poster 'thief' if he is standing infront of you? Would you call him that, if he is a friend of your roommate and your roommate brings him over to your house? The internet must be a new technology for you. Please learn how to use it to spread some love.

    To the poster above you:
    It is true that the law does not impose punishments on backstabbers, womanizers, sexual perverts, etc. Prostitution is legal in a lot of countries. The fact that the law permits some things, does not have any bearing on the moral severity or the lack thereof, of those things. Would you choose a 'prostitute' over a 'shop lifter' for a wife? If these are the only 2 options, I would be content with a shop lifter. Would you choose a 'prostitute' because there are no criminal issues involved and you will get your greencard faster?

    Even though not many people have posted in support of my post, my reputation has gone up, and yours probably went down. Please don't respond just because you want a revenge.I will always stand up for the one weak guy who is bullied by a 100 really nice & powerful ones. This can't be called defending the act of 'shop lifting' !!!

    Ye...we all see your moral standard here.


    You reputation has gone up because you are supporting a shoplifter over hook...? wow. Support sex offenders, rapist and drug addict and kidnappers... you would get even more reputation.





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  • shana04
    02-23 04:09 PM
    As far as I know, if you filed for 485 and crossed 180 days after that with the same employer

    Chandu, this is what I want to get answer from IV or Attorneys who are helping IV or IV can get clarifications from USCIS. how many are with same employers. We have many who lost jobs in between changed employer using h1 or EAD. changed jobs with EAD (so not a problem becuase they have used EAD)

    problem is only for those who were on h1 and lost job, in between they are on bench for 1 or more than 1month.

    If you manage to find a job pretty quick, then you can go for h1b transfer and it should not be an issue, but if it is taking time, then you may have issues
    Then what?

    If you manage to find a job pretty quick, then you can go for h1b transfer and it should not be an issue, but if it is taking time, then you may have issues with transfer because you may not have paystubs, but technically, you are legally allowed to stay because a decision on your 485 has not yet been made and before a decision is made look for a new job in same or similar criteria.
    when you said technically, but you did not say one is OK and there is no supporting documentation or link

    I guess you can understand from where I am coming.



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  • patilabhijit
    09-26 03:07 PM
    Hi All,

    FYI for you'll. I e-filed mine and wife's on June 6 at NSC lockbox in Phoenix. Opened a SR for both on Sept 7. Got approval emails for both of them Friday Sept 24. Also gotten soft LUD's on both applications a couple of days before the approval emails. If anybody needs more information, please let me know.

    Thanks!





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  • shimul99
    10-23 09:27 PM
    Hello ,
    We got the EB3 part but still dont know about your PD...when was your Labor Applied?

    feb 06





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  • tikka
    07-06 12:46 PM
    maybe you can help with other action items?
    you have motivated many folks and we could use help on the contribution fund, media drive, diggs etc

    Thank you

    Is there any Specific date, I mean when AILF is filing the case...USCIS is announced they are gonna reject the applications..but did they rejected any single application?? We will come to know after 4 or 5 weeks abt our applications (As per USCIS rep)....I think there must be some time limit to file a case...and we dont have a base to file a case until they reject it.

    Finally they dont reject application nor they will accept it...

    Guys send flowers with all your comments on JULY 10TH...we may get media and political atten...

    this is just my 2 cents.

    Thanks,
    Chandra.





    rockstart
    08-05 12:05 PM
    I agree, FP does not have anything to do with namecheck. I never received my FP for 15 months but inbetween when I took infopass - it was confirmed that my name check was done


    I was under the same impression that it was FP that triggered the name check. But this is what the lawyer told them that their names were struck in NC and that is why they never got FP and now that NC is over they received FP notices. The interesting part is that within 3 weeks of FP one person got a notice that his application has been sent to USCISlocal office for further processing which I assume means interview notice in few days.





    byeusa
    07-11 10:44 AM
    I did call USINPAC too and left a earful on their voice mail.Looks like they are all busy at this time figuring out which is the next item/development around the world that they can take credit for.

    My friend who called USINPAC this AM tells me that that fraud Sachdev is right now in India. Wow wow.....



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