Keeme
07-15 11:13 AM
Good luck finding one that covers you till the end AND is low on premium! The cheapest premiums are that of term insurance, and it is intended for such situations where you have taken measures to invest in other places such as real estate, equities, bonds, cash etc, AND you are not counting on earning any return on the premiums you have paid.
This insurance is plain and simple. You pay low for covering you for a certain period of time - 10, 20, 30 years.
Btw, if one is 35 years old and buys a 30 year term insurance, you are covered until the age of 65. What is your point?
Term Ins is the best choice.
What you need to cover is risk agains your life and it covers it.
Term = Covers risk
Whole Life = Covers risk + Savings
My father have worked for 40 + years in LIC back in India, driving braches and their Developement officers to get new policies and business. As per him, Term is the best as what you need to have is to cover the risk against your life and it does. About savings - so called cash value is all creatures of agents and ins. companies to run their INS businesses and within that business a BANK or Investment company.
I don't have one here in US so far. Planning to get one in next few weeks.
This insurance is plain and simple. You pay low for covering you for a certain period of time - 10, 20, 30 years.
Btw, if one is 35 years old and buys a 30 year term insurance, you are covered until the age of 65. What is your point?
Term Ins is the best choice.
What you need to cover is risk agains your life and it covers it.
Term = Covers risk
Whole Life = Covers risk + Savings
My father have worked for 40 + years in LIC back in India, driving braches and their Developement officers to get new policies and business. As per him, Term is the best as what you need to have is to cover the risk against your life and it does. About savings - so called cash value is all creatures of agents and ins. companies to run their INS businesses and within that business a BANK or Investment company.
I don't have one here in US so far. Planning to get one in next few weeks.
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dilipb
06-23 04:00 PM
forgot one thing.
NO short forms.
On the check write US department of homeland security
NO dept.
NO USCIS
DONT forget "US"
NO short forms.
On the check write US department of homeland security
NO dept.
NO USCIS
DONT forget "US"
vagish
04-26 12:42 AM
you got to be shitting me on this, I think this whole thing has become a massive
shit pot, eveybody is througing what ever they have
thanks
shit pot, eveybody is througing what ever they have
thanks
2011 Mortal Kombat 2011 Cover
vedicman
05-06 01:49 PM
I am in too. Filled out the form and volunteered for logistical support + contribution.
more...
Macaca
08-12 12:01 PM
I am really shocked to see that several of us in our community are still ignorant about the magnamity of the Green card situation.
Just this morning, I was talking to one my friend urging him to participate actively in the IV efforts and the answer I got was, "What for? , now that my I-485 is filed, I should get my greencard in a year." His PD is April 2006.
Most people struggle with life balance simply because they haven't paid the price to decide what is really important to them - Stephen Covey
The reasonable man adapts himself to the world; the unreasonable one persists in trying to adapt the world to himself. Therefore, all progress depends on the unreasonable man - G. B. Shaw
From 484_se_dukhi's signature!
Just this morning, I was talking to one my friend urging him to participate actively in the IV efforts and the answer I got was, "What for? , now that my I-485 is filed, I should get my greencard in a year." His PD is April 2006.
Most people struggle with life balance simply because they haven't paid the price to decide what is really important to them - Stephen Covey
The reasonable man adapts himself to the world; the unreasonable one persists in trying to adapt the world to himself. Therefore, all progress depends on the unreasonable man - G. B. Shaw
From 484_se_dukhi's signature!
snehaledu
04-16 12:26 PM
And the point of this entire thread is?????
Start investing money in India.
r u IV Policeman? Can I see your badge?
Start investing money in India.
r u IV Policeman? Can I see your badge?
more...
waitingnwaiting
05-31 08:26 AM
(c) Grants- Not later than 6 months after the date of enactment of this Act, the Secretary of Labor (referred to in this section as the ‘Secretary’) shall establish a partnership grant program to award grants to eligible entities to carry out comprehensive programs to provide education to nurses and create a pipeline to nursing for incumbent ancillary healthcare workers who wish to advance their careers, and to otherwise carry out the purposes of this section.
(d) Eligible Entities- To be eligible to receive a grant under this section an entity shall--
(1) be--
(A) a healthcare entity that is jointly administered by a healthcare employer and a labor union representing the healthcare employees of the employer and that carries out activities using labor management training funds as provided for under section 302 of the Labor-Management Relations Act, 1947 (18 U.S.C. 186(c)(6));
(B) an entity that operates a training program that is jointly administered by--
(i) one or more healthcare providers or facilities, or a trade association of healthcare providers; and
(ii) one or more organizations which represent the interests of direct care healthcare workers or staff nurses and in which the direct care healthcare workers or staff nurses have direct input as to the leadership of the organization; or
(C) a State training partnership program that consists of non-profit organizations that include equal participation from industry, including public or private employers, and labor organizations including joint labor-management training programs, and which may include representatives from local governments, worker investment agency one-stop career centers, community based organizations, community colleges, and accredited schools of nursing; and
(2) submit to the Secretary an application at such time, in such manner, and containing such information as the Secretary may require.
(e) Additional Requirements for Healthcare Employer Described in Subsection (d)- To be eligible for a grant under this section, a healthcare employer described in subsection (d) shall demonstrate--
(1) an established program within their facility to encourage the retention of existing nurses;
(2) it provides wages and benefits to its nurses that are competitive for its market or that have been collectively bargained with a labor organization; and
(3) support for programs funded under this section through 1 or more of the following:
(A) The provision of paid leave time and continued health coverage to incumbent healthcare workers to allow their participation in nursing career ladder programs, including Certified Nurse Assistants, Licensed Practical Nurses, Licensed Vocational Nurses, and Registered Nurses.
(B) Contributions to a joint labor-management or other jointly administered training fund which administers the program involved.
(C) The provision of paid release time, incentive compensation, or continued health coverage to staff nurses who desire to work full- or part-time in a faculty position.
(D) The provision of paid release time for staff nurses to enable them to obtain a bachelor of science in nursing degree, other advanced nursing degrees, specialty training, or certification program.
(E) The payment of tuition assistance to incumbent healthcare workers.
(f) Other Requirements-
(1) MATCHING REQUIREMENT-
(A) IN GENERAL- The Secretary may not make a grant under this section unless the applicant involved agrees, with respect to the costs to be incurred by the applicant in carrying out the program under the grant, to make available non-Federal contributions (in cash or in kind under subparagraph (B)) toward such costs in an amount equal to not less than $1 for each $1 of Federal funds provided in the grant. Such contributions may be made directly or through donations from public or private entities, or may be provided through the cash equivalent of paid release time provided to incumbent worker students.
(B) DETERMINATION OF AMOUNT OF NON-FEDERAL CONTRIBUTION- Non-Federal contributions required in subparagraph (A) may be in cash or in kind (including paid release time), fairly evaluated, including equipment or services (and excluding indirect or overhead costs).
(C) SUPPLEMENT, NOT SUPPLANT- Funds made available under this section shall supplement, and not supplant, resources dedicated by an entity, or other Federal, State, or localfunds available to carry out activities described in this section.
(2) REQUIRED COLLABORATION- Entities carrying out or overseeing programs carried out with assistance provided under this section shall demonstrate collaboration with accredited schools of nursing which may include community colleges and other academic institutions providing associate, bachelor’s, or advanced nursing degree programs or specialty training or certification programs.
(g) Activities- Amounts awarded to an entity under a grant under this section shall be used for the following:
(d) Eligible Entities- To be eligible to receive a grant under this section an entity shall--
(1) be--
(A) a healthcare entity that is jointly administered by a healthcare employer and a labor union representing the healthcare employees of the employer and that carries out activities using labor management training funds as provided for under section 302 of the Labor-Management Relations Act, 1947 (18 U.S.C. 186(c)(6));
(B) an entity that operates a training program that is jointly administered by--
(i) one or more healthcare providers or facilities, or a trade association of healthcare providers; and
(ii) one or more organizations which represent the interests of direct care healthcare workers or staff nurses and in which the direct care healthcare workers or staff nurses have direct input as to the leadership of the organization; or
(C) a State training partnership program that consists of non-profit organizations that include equal participation from industry, including public or private employers, and labor organizations including joint labor-management training programs, and which may include representatives from local governments, worker investment agency one-stop career centers, community based organizations, community colleges, and accredited schools of nursing; and
(2) submit to the Secretary an application at such time, in such manner, and containing such information as the Secretary may require.
(e) Additional Requirements for Healthcare Employer Described in Subsection (d)- To be eligible for a grant under this section, a healthcare employer described in subsection (d) shall demonstrate--
(1) an established program within their facility to encourage the retention of existing nurses;
(2) it provides wages and benefits to its nurses that are competitive for its market or that have been collectively bargained with a labor organization; and
(3) support for programs funded under this section through 1 or more of the following:
(A) The provision of paid leave time and continued health coverage to incumbent healthcare workers to allow their participation in nursing career ladder programs, including Certified Nurse Assistants, Licensed Practical Nurses, Licensed Vocational Nurses, and Registered Nurses.
(B) Contributions to a joint labor-management or other jointly administered training fund which administers the program involved.
(C) The provision of paid release time, incentive compensation, or continued health coverage to staff nurses who desire to work full- or part-time in a faculty position.
(D) The provision of paid release time for staff nurses to enable them to obtain a bachelor of science in nursing degree, other advanced nursing degrees, specialty training, or certification program.
(E) The payment of tuition assistance to incumbent healthcare workers.
(f) Other Requirements-
(1) MATCHING REQUIREMENT-
(A) IN GENERAL- The Secretary may not make a grant under this section unless the applicant involved agrees, with respect to the costs to be incurred by the applicant in carrying out the program under the grant, to make available non-Federal contributions (in cash or in kind under subparagraph (B)) toward such costs in an amount equal to not less than $1 for each $1 of Federal funds provided in the grant. Such contributions may be made directly or through donations from public or private entities, or may be provided through the cash equivalent of paid release time provided to incumbent worker students.
(B) DETERMINATION OF AMOUNT OF NON-FEDERAL CONTRIBUTION- Non-Federal contributions required in subparagraph (A) may be in cash or in kind (including paid release time), fairly evaluated, including equipment or services (and excluding indirect or overhead costs).
(C) SUPPLEMENT, NOT SUPPLANT- Funds made available under this section shall supplement, and not supplant, resources dedicated by an entity, or other Federal, State, or localfunds available to carry out activities described in this section.
(2) REQUIRED COLLABORATION- Entities carrying out or overseeing programs carried out with assistance provided under this section shall demonstrate collaboration with accredited schools of nursing which may include community colleges and other academic institutions providing associate, bachelor’s, or advanced nursing degree programs or specialty training or certification programs.
(g) Activities- Amounts awarded to an entity under a grant under this section shall be used for the following:
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GCanyMinute
10-10 04:08 PM
finally my PD was reached!! I hope I'll hear great news soon!!!
I'll keep u guys posted about any news.
Good luck to us all !!! :)
I'll keep u guys posted about any news.
Good luck to us all !!! :)
more...
thamizhan
07-19 02:43 PM
I too heard the same and thats a good news for all of us.
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sledge_hammer
07-10 12:14 PM
http://www.immigration-law.com/
07/10/2007: Response of USCIS Director to Visa Bulletin Fiasco Related Flower Campaign
We reported yesterday that foreign professionals have been sending flowers to the heads of involved agencies with a message of protest for the ongoing visa bulletin fiasco. Dr. Emilio Gonzalez responded to such flower campaign in the USCIS site. The flower campaign appears to be a gesture from the community of foreign professionals to thaw out the tension created by the fiasco and at the same time calling the agency leaders' swift attention to the problem and sufferings of the foreign professionals and their family members. This camapaign has been initiated and pushed ahead by the immigrationinvoice.com group. Salute to the members of this group for the job well done.
07/10/2007: Response of USCIS Director to Visa Bulletin Fiasco Related Flower Campaign
We reported yesterday that foreign professionals have been sending flowers to the heads of involved agencies with a message of protest for the ongoing visa bulletin fiasco. Dr. Emilio Gonzalez responded to such flower campaign in the USCIS site. The flower campaign appears to be a gesture from the community of foreign professionals to thaw out the tension created by the fiasco and at the same time calling the agency leaders' swift attention to the problem and sufferings of the foreign professionals and their family members. This camapaign has been initiated and pushed ahead by the immigrationinvoice.com group. Salute to the members of this group for the job well done.
more...
return_to_india
10-01 10:25 PM
I and my wife are debating whether to apply OCI or PIO card for our son who was born in US and has a US passport. We both hold Indian passport.
Can you experts please suggest which is the better route? The Indian consulate phone number is of not much help. It just keeps going in infinite loop and does not connect to a real person.
To best of my knowledge, at least one parent must have US citizenship to get OCI ( the rules were different earlier - may be 3-4 years back ).
Here is the san francisco Indian consulate OCI V/s PIO card link:
http://www.cgisf.org/oc/oci-chart.pdf
Consulate website : http://www.cgisf.org/
PIO Info : Consular Info (http://www.cgisf.org/pio/pioservices.html)
OCI Info : Overseas Citizenship of India Menu (http://www.cgisf.org/oc/index.html)
As for registering with police ( with PIO card ) every 6 months, i am not sure.
Some of my friends say one needs to send a letter to some regional dsp office.
Anybody has more info ( i mean the families with us citizen kid who moved
back to India and staying there with PIO card ? ) ?
Can you experts please suggest which is the better route? The Indian consulate phone number is of not much help. It just keeps going in infinite loop and does not connect to a real person.
To best of my knowledge, at least one parent must have US citizenship to get OCI ( the rules were different earlier - may be 3-4 years back ).
Here is the san francisco Indian consulate OCI V/s PIO card link:
http://www.cgisf.org/oc/oci-chart.pdf
Consulate website : http://www.cgisf.org/
PIO Info : Consular Info (http://www.cgisf.org/pio/pioservices.html)
OCI Info : Overseas Citizenship of India Menu (http://www.cgisf.org/oc/index.html)
As for registering with police ( with PIO card ) every 6 months, i am not sure.
Some of my friends say one needs to send a letter to some regional dsp office.
Anybody has more info ( i mean the families with us citizen kid who moved
back to India and staying there with PIO card ? ) ?
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nonimmi
05-24 10:39 AM
Basically they want to prevent offshoring legally... meaning
if microsoft wants job done.. hire locally.. or bring people on direct H1 so they net the taxes. or do the job overseas.
If Infosys brings people - do not let them work in CIsco, microsoft or, HP... that way they put overseas company OUT OF Business
USA needs fruit pickers not hi tec, this can be outsourced..
These guys dont know what reality is. That is the reason Microsoft, Intel, HP CEOs speak openly against the system. Color of Party changed in DC but their mind did not. This is unfortunate for this country. Doing all these non-sense they are going backword and making another mistake which may be beyond repair.
Stopping outsourcing and restricting Indian IT companies may never be successful. They will find a way to deal with it. Only we people will suffer because of this outcome.
if microsoft wants job done.. hire locally.. or bring people on direct H1 so they net the taxes. or do the job overseas.
If Infosys brings people - do not let them work in CIsco, microsoft or, HP... that way they put overseas company OUT OF Business
USA needs fruit pickers not hi tec, this can be outsourced..
These guys dont know what reality is. That is the reason Microsoft, Intel, HP CEOs speak openly against the system. Color of Party changed in DC but their mind did not. This is unfortunate for this country. Doing all these non-sense they are going backword and making another mistake which may be beyond repair.
Stopping outsourcing and restricting Indian IT companies may never be successful. They will find a way to deal with it. Only we people will suffer because of this outcome.
more...
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willigetgc?
06-30 01:06 PM
Low Expectations for Obama’s Immigration Speech � The Washington Independent (http://washingtonindependent.com/90677/low-expectations-for-obamas-immigration-speech)
President Obama�s planned speech on immigration reform tomorrow has been lauded as indication of a renewed commitment to immigration reform, as have his meetings early this week with advocates and the Congressional Hispanic Caucus. So what will the president say? Unfortunately for reform advocates, not much that�s new: Obama is expected mostly to retread familiar ground on the importance of passing comprehensive immigration reform, rather than offering specific provisions he�d like to see in the law.
States aren�t waiting for reform � NPR reports that 45 states have introduced more than 1,000 bills and resolutions relating to immigrants so far this year � and polls indicate that most Americans support Arizona-style laws to curb illegal immigration. In theory, the issue should be resolved at a nationwide level to prevent harsh laws from driving illegal immigrants into other states. (There�s some concern that the Arizona law is already having that effect.) But no Republican senator has emerged to back a comprehensive bill, and with midterm elections in sight, rounding up votes for a controversial topic might be difficult before a potential lame-duck session
President Obama�s planned speech on immigration reform tomorrow has been lauded as indication of a renewed commitment to immigration reform, as have his meetings early this week with advocates and the Congressional Hispanic Caucus. So what will the president say? Unfortunately for reform advocates, not much that�s new: Obama is expected mostly to retread familiar ground on the importance of passing comprehensive immigration reform, rather than offering specific provisions he�d like to see in the law.
States aren�t waiting for reform � NPR reports that 45 states have introduced more than 1,000 bills and resolutions relating to immigrants so far this year � and polls indicate that most Americans support Arizona-style laws to curb illegal immigration. In theory, the issue should be resolved at a nationwide level to prevent harsh laws from driving illegal immigrants into other states. (There�s some concern that the Arizona law is already having that effect.) But no Republican senator has emerged to back a comprehensive bill, and with midterm elections in sight, rounding up votes for a controversial topic might be difficult before a potential lame-duck session
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pbuckeye
07-01 11:21 AM
In this admin fix initiative we are working on other possible good provisions that are possible.
Is the following (or can it be) a part of the Admin Fix Initiative? :-
Allow I-485 filing and/or obtaining EAD,AP benefits when I-140 is approved irrespective of priority date being current. This will help many of us who missed the July 07 boat.
Is the following (or can it be) a part of the Admin Fix Initiative? :-
Allow I-485 filing and/or obtaining EAD,AP benefits when I-140 is approved irrespective of priority date being current. This will help many of us who missed the July 07 boat.
more...
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willgetgc2005
11-09 10:49 AM
AC360, CNN
John King, CNN happened to mention yesterday on AC360, that CIR can be passed in the blink of an eye. He seems to think it is the easiest thing to do for the president and the Dems in the current situation.
Any thoughts ?
John King, CNN happened to mention yesterday on AC360, that CIR can be passed in the blink of an eye. He seems to think it is the easiest thing to do for the president and the Dems in the current situation.
Any thoughts ?
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willwin
07-18 09:41 AM
Aadimanav or anyone,
I am planning to send a letter to President, First Lady, DOS chief besides other Govt. rep. Anyone has the addresses?
I am in CP and I am writing to them to allow CP filers who are already working here in the US to file for AOS (even if the PD is not current) anticipating a very long delay for EB3 I. That way we could get atleast the minimal benefits like EAD, AP.
If any CP filers from EB3 I wanna join me, more than welcome!
I am planning to send a letter to President, First Lady, DOS chief besides other Govt. rep. Anyone has the addresses?
I am in CP and I am writing to them to allow CP filers who are already working here in the US to file for AOS (even if the PD is not current) anticipating a very long delay for EB3 I. That way we could get atleast the minimal benefits like EAD, AP.
If any CP filers from EB3 I wanna join me, more than welcome!
more...
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redgreen
04-02 08:56 PM
USCIS(*) will not publish any more visa bullettins and cutoff dates as there are so many people at IV predicting it.
Here is my prediction: Dates will be current soon.
* Actually they never published it!
Here is my prediction: Dates will be current soon.
* Actually they never published it!
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jonty_11
06-18 11:17 AM
I think now EADs will get delayed...surely..
If its not one thing its the other....we just too many in number....God save us..
If its not one thing its the other....we just too many in number....God save us..
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nav_kri
02-23 01:52 AM
Truly amazing. Winning not one but 2 Oscars. ARR is awesome with his calm and composure.
peyton sawyer
07-23 03:44 AM
Hi bluez25..
I just wanna ask if are you under EB3 row?
How did you know that your case or your documents have already been forwarded to Chennai consulate?
I would really appreciate a response.. thank you
I just wanna ask if are you under EB3 row?
How did you know that your case or your documents have already been forwarded to Chennai consulate?
I would really appreciate a response.. thank you
paskal
10-02 11:59 AM
guess i have my dates wrong! i will be there this coming weekend...starting thursday...all the best for your gathering!
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