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  • 21stIcon
    02-19 04:37 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.





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  • paskal
    12-17 11:32 AM
    "And please remember it's bottom up that works here not top-down."


    so i guess then we can count on you to give up on this one little thing and help us constructively...? join the state chapter? help with lawmaker meetings and do the grassroots stuff?

    i'm not in the least asking you to leave..i would really love to see you put you energies towards required actions...and we would all be richer and better for it! :)





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  • bitzbytz
    06-24 11:31 PM
    DO you have or aware of a format we can request the employer for unpaid leave? Appreciate if you can pass this along





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  • gk_2000
    02-10 09:44 PM
    I did online MS degree and it took 3 years, although I could have completed it in 2.5 years. First year I completed only 1 course per sem, then I started doing 2 per sem. I took non-thesis option and the total cost was aprx 15K from ISU. Thye charge flat rate fee per subject ( aprx 3 credits) irrespective of residency requirements (you can actually do this course from anywhere in the world and it would cost the same) . This degree requires 30 total credits (one of them must be a project, so technically only 9 subjects/courses to take).

    Even I am curious to know if that helps you to file EB2. Please, tell us your experience



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  • gunabcd
    06-28 04:11 PM
    my attorney said i need to wait for 140 receipt to file 485
    is that true?



    i need big help with my 140 filed in Premium Processing
    and i did not get my receipt to file 485
    applied it on Jun 20 2007 (this month)
    any way i can get some copy of the receipt to file 485?

    My lawyer said it takes upto 3 weeks to get the receipt (non-pp), yours is PP but so many have filed PP, so you should get I140 receipt this or next week. but in that case you get your $1000 back.





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  • eb3retro
    04-11 10:42 AM
    Question gurus... I have a xerox copy of my approved I-140. Will this be enough to port the priority date? or do you need the original copy to be submitted along with the new I-140 application when you request portability of older priority date?? please clarify.



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  • GCplease
    01-22 10:30 AM
    This Tracker facility we have in IV is good. Kudos to the Admin team who implemented this thing.

    These are my observations. I could be grossly mistaken. Pardon me if I am wrong.

    There are approximately 26,000 people who have put in their priority dates and other such data in the tracker. When I compared similar cases, I got some 265 who were EB3 India with a priority date in 2002. That is approximately 1 %, give or take.

    Here I have ignored EB3 India 2001 guys. But that number would be very less I believe.

    1% of 400k is 4000 which is what USCIS issues GC for EB3 India in a year.

    Does that mean I could get my GC this year.

    Hope these numbers are right.





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  • kumaabh
    10-23 11:50 PM
    His 485 was approved because he is from bangladesh.



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  • BECsufferer
    10-10 09:40 AM
    I am very thrilled at the news that our President has own the highest honor of this world.
    Hearty Congratulations Mr. President !!!!

    I and my family feel immensely proud that we are able to live in this country of freedom governed by a great leader like you.

    Mr President you are the symbol of hope not only for the citizens of USA but also for all of the immigrant community. You have raised our hopes that we will also be able to become a citizen of this great country soon. Your selection as the Nobel Peace Prize winner has strengthen this hope further. Sir, Please do not belie our hopes.

    Please revamp the current immigration rules and provide immidiate attention to the immigration reform. Sir, we all are looking up to you.

    Congratulations to you Mr President and Congratulations to all of the citizens and residents of USA.

    God Bless USA.

    This is simply putting cart in front of horse ... he hasn't been president for more than 9 months and hasn't solved a single economic problem our country is facing.

    And if being simply president was creterion than our ex-presidente (Mr Cheney ... oops Mr. Bush ;)) would had got 8 noble prizes + 4 from Papa. It re-inforces my opinion that europeans are ... simply out of touch w/ reality. Look america has already showed world, it can elect a black as a president from country of pre-dominatly white ( still white, check census). And what have these european self-labeled-elites done comparably?

    If you think this person has vision and can solve worlds problems than do as he asks. Join us in fighting global terror, economic troubles and uplifting democarcy in middle-east.

    Yes, God bless America and spare us from these snobs.





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  • belmontboy
    01-15 02:46 PM
    Here is the news from the Little Rock newpaper. Apparently the criminal shot dead another guy right after this incident http://arkansasmatters.com/content/fulltext/news/?cid=175391

    From the above link: "Police say the suspect fits the description of a gunman who robbed another man earlier this morning on Michael Road, and shot him in the leg. The victim in that incident is expected to recover".

    Indian news sites are saying the guy is dead! donno what to believe



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  • hkancharla
    07-19 02:54 PM
    EB3/USPS delivered on 17-Jul-07 @11:45 AM





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  • gsc999
    08-01 12:25 PM
    People with grown up kids, I guess would prefer Canada over India. There are many problems starting with the education system, reservations etc. For kids who had been studying here from KG through grade 8-9 it's difficult to get dragged in the rat race in India, especially for normal kids who don't belong to any reservation category.

    I also have a wild idea like US companies may look at Canada as a outsourcing destination if given very competitive package. One of the biggest advantage will be proximity to the US, so better control over quality etc. That may not turn into a big boom but is a possibility.
    -----
    I am not sure if you are aware of NAFTA, it was a trade aggrement that was suppose to be the equivalent of EU in terms of trade. It failed because low-cost manufacturing took flight from Mexico to China and similar scenario for software from US/Canada to India. This trend is not going to reverse in next few years. Exceptions will always be there.

    Service sector already accounts for 40 to 50% of Indian GDP and will keep growing. Based on these facts it is obvious that long term economic prospects are better in India/ China, since you are looking from your children's perspective.

    Also, you mention issues about Indian education system. I disagree. There are problems with American education system also. You can't generalize. If your kids are smart they can get into better colleges like IITs etc. I think you are confusing the issue about adaptability with good future prospects.

    One last thing about issues. It would be good to let your kids decide what skils they are interested in learning, most Indian parents live their own dreams through their kids. Just a suggestion :)



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  • gconmymind
    08-27 07:33 PM
    I got a FP notice for next month. It is certainly not related to AP or EAD renewal, since I don't have any pending AP or EAD renewal. I got my EAD renewed last March and AP in May. So hoping that I got the FP notice since they started looking at my 485 application and something positive will be end result.


    Good luck.

    This is what I wanted to hear! :) Good Luck to you too...





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  • niklshah
    02-06 12:45 PM
    AC21 can be as safe as a any normal 485 case so do not worry. Its classic case of USCIS ignorance on AC21. I would say, hire a good lawyer and prepare for a MTR. I have seen Ron Gotcher as a very prominent proponent of AC21 rules. You can take his help. I used AC21 and got GC approved without any hiccups. My case was handled by Ron and I have been completely satisfied with his services.
    PS: I am not affiliated to Ron in any way. This is my personal experience.


    sorry to hear about ur case.. btw what is your priority date??



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  • GCplease
    10-05 03:41 PM
    Excellent news.

    Now we are getting support from both the parties.

    First the State Governors wrote a letter in favor of Legal High skilled Immigrants and now the GOP writes to the Dems in favor of Legal High skilled Immigrants. We can't ask for anything more than this. This is the right time.

    We should bang on people like Zoe Lofgren's doors and ask them to create a bill which would only deal with us - Legal High skilled Immigrants. I think all the immigration bills presently on the floor has both legal and illegal immigration and so it would be diificult to pass them. In this present atmosphere a bill on legal high skilled immigrants could easily pass.

    Core IV, please look into this and provide directions.





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  • gg_ny
    10-12 02:52 PM
    I agree with jonty and nixtor...that was the point I put out as a counter during our discussion. But the underlying sense is similar to what is there for illegal immigration: border fence. Humanitarian grounds is not an excuse you could use it with Congress men and women. Revamping Maths and Science in US schools is the exact justification against highskilled_immigration. Just like the border fence for illegal immigration, I wonder the issue in waiting against our efforts for fixing retrogression of highskilled immigration would be 'Show US born could start their training and educaction first' ...
    Again, my visa number too is retrogressed too and I am not doing a kaka here to throw water on flames of enthusiasm but reporting my followup with some loud-noise-makers in DC.. The posting was infact to show what we are against and how much we all need to do.



    Training and educating who doesnt have the background takes yrs. Businesses cannot afford to wait that long time. I feel that Jim Austin didnt address your question but asked you another question. Maths and Science are the 2 subjects US citizens need to pick up right from school. There is nothing much any one can do to change it night over night.



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  • gcandgc
    06-03 04:50 AM
    Sukanya Roy is America's spelling bee champion | Sukanya Roy | 2011 Scripps National Spelling Bee | Indian Express (http://expressbuzz.com/world/sukanya-roy-is-americas-spelling-bee-champion/280779.html)

    WASHINGTON: Spelling tongue twister "cymotrichous", Greek for having wavy hair, Indian American Sukanya Roy has won the 2011 Scripps National Spelling Bee crown to retain the coveted honour for the community for the fourth year in a row.


    Roy, 14, an eighth-grader at Abington Heights Middle School, Pennsylvania, said she knew as soon as she heard "cymotrichous" that she'd get the word right and win the championship Thursday night.

    "My heart started pounding, I guess," she said. "I couldn't believe it. . It's just amazing. It's hard to put into words."

    It was Roy's third trip to the national spelling bee, and she had credited her past experience with keeping her calm and relaxed heading into the finals. She tied for 12th place in 2009 and 20th place in 2010.

    Roy speaks Bengali and every summer travels to India to visit family. She hopes to pursue a career in international relations.

    Roy is the ninth Indian-American in the last 13 years, a run that began when Nupur Lala captured the crown in 1999 and was later featured in the documentary "Spellbound."

    The winner will be awarded a $30,000 cash prize, a trophy, a $2,500 US savings bond, a complete reference library, a $5,000 scholarship and $2,600 in reference works and other prizes.

    Anamika Veeramani had scored a hat-trick for Indian-Americans in taking the crown last year.

    Roy was one of the six Indian Americans - Sriram Hathwar, Arvind Mahankali, Prakash Mishra, Mashad Arora, and Dhivya Senthil Murugan - who made it to the last 13 in the finals.

    The youngest finalist was 10-year-old Dhivya Murugan of Denver, who was born in India.

    The spelling bee kids just keep getting better and better. Even words like chlorthalidone," "dreikanter," "renminbi" and "helichrysum" couldn't sufficiently narrow down the field in the semifinals, which needed 95 minutes of overtime earlier Thursday to whittle the competitors from 41 to 13.

    The week began with 275 spellers. A written test Tuesday and two oral rounds Wednesday reduced the field for the semifinals.

    According to the Scripps Spelling Bee's website, this year brought contenders ranging in age from 8 to 15 years old from all over the world.
    -----------------

    GCANDGC





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  • snathan
    02-15 04:42 PM
    If you really look at who is paying less and misusing the H1-B and L1 to manipulate the job market, its the big offshore companies who bring the less experienced folks from India/China and other asian countries into US. These biggies pay way too less (52 to 57K) to these folks than what the conultants who work for local consulting companies make.

    They apply for 1000's of H1B's and L1's showing the positions in US but 60% of the folks works back in their offshore centers in China or India with H1B/L1 stamped on their passport. Question is, if they applied for H1B / L1 based on an existing position in US and gets approved, why is that folks are still working in India or China center? Doesn't that mean they faked the position?

    When we consolidated the vendors and excluded all the local consulting companies to include only two of the big offshore companies, we have seen their consultants brought onsite leaving them after few months at our group to join local consulting companies for better pay.

    To me, they manipulate the job market displace americans much more than the local consulting companies.

    I truely hope CIS look deep into these manipulations and frauds as well.

    I know companies paying only 33K per year in L1.





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  • Openarms
    04-08 12:47 PM
    I am not sure about voting part of it but sure more open informative discussion always right and can draw more folks into conversation and subsequently donations for the cause.... The secretiveness does not help for our community at all, remember we are fighting for "LEGAL" immigration.





    MerciesOfInjustices
    03-01 11:23 PM
    If I had my green card today, I would surely be making at least 15K more in my salary per annum repeat per annum.

    If not all, many of you are in the similar situation.

    My $200 contribution is just 1.33% of that lost opportunity per annum. If I take into consideration the 4 years of wait, it comes to 0.33%.

    Almost anybody who is in US for 5 years on H1B can buy an nice little home. (Bay area is bit more cruel).

    Last year I could have bought a home for say 500K. It would have surely appreciated by 50K. But because of the uncertainty of GC, I can not. That's a loss of opportunity of 50K.

    My $200 contribution is just 0.4% of that another lost opportunity.

    Now you know why I support this effort.

    Most of you and your friends are in a situation similar as mine.
    I urge you to become aware, make them aware and support this effort, which has a potential to minimize those lost financial opportunities, with your wallet.

    Thanks,

    nviren
    Great way to put it!
    Hope you can post it at the other Forum where a lot of people do not seem to get it!





    thankgod
    06-03 12:53 PM
    ya that explains.... so u'r some 20 yr old who need to grow up..... have to learn that sometimes there is a lot more to what just what you know......

    and why would you prefer maths.... dummy, didn't you know, we have calculators & computers to do simple and complex calculations.....

    btw, for starters, what've you achieved? if the answer is nothing.... then learn to appreciate others.... maybe that might help to be humbled at the effort and genius of 10 yr old.....

    going for a competition with international participants, then being in finals of a competition & then winning the a competition at this level .... wow.... and you are not impressed..... and not that u'r not impressed, you have nothing better to do on a friday... other that demeaning the effort of some kids, who for sure are a lot more dedicated than what you be in u'r entire life..... what a low life r u....

    how @ u share the last time you were went to compete with other competitors at international level at any age group.... even if it were competition to down play what other's have achieved...... i don't think you can point to a national press covering you for even participating, if not winning, any competition.....


    This post clearly showing your stupidity.

    we can do simple math in calculators and you cant give a formula and ask it to do its math.

    Again if you do math , your brain work very well where as all the competetive exams.

    And you are talking again like a useless creature.

    As a member from so many years you dont understand what this immigration voice meant for ?

    Then do one thing from tomorrow onwards post like "Happy Birthday to my friend" or "Happy Anniversray to me". You stupid dumbo.

    First learn english and read the thread why we are opposing that.

    Where is your maturity.

    Still if you want to bark.....Bow Bow Bow ... thats your choice.



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