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  • gimme_GC2006
    08-25 10:40 PM
    I have had v.bad experience with them ..don't open a account there ..they will harass you like anything to send this documents and that ..for me they did the same and kept my money for 9 months without paying any interest. I will post the email that I had recd from them . they even misplaced the draft which had my principal

    I took visitors health insurance from ICICI Lombard.
    There was some typo in the date of birth ( my mistake actually)..so I wanted to correct it..The callcenter ppl told me that once policy is issued you cannot make any changes to it..they advised me to cancel the policy online and buy another one..they will return the money for cancelled one.

    So I cancelled the policy and took another one.
    They sent the cheque to my parents house after couple of weeks for the cancelled policy and they deposited it to ICICI Bank account.

    Now the fun starts..the money never came into my account.

    For the next 8 months, I was BBQ'd, did a sheek-kebab of myself without any use.

    Finally, I got every email ID that ends with @icicibank.com and whereever there is @icicixxx.com and sent out an email blasting everyone..then also sent an email to icici bank manager from my online service manager.

    Finally I got a response saying they deposited the amount already 8 months ago..I was so pissed off..I took a screen shot (.bmp) of my account for that period asking them why cant I see the transaction here..

    then after a week, they emailed me saying, the amount was deposited to wrong account..means someone elses account..LOL..


    I havent seen such a Luchcha bank..:p

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  • NKR
    03-13 02:13 PM
    Yes! on IV you are supposed to say only good things about IV (though IV is "grass-root" non-profit) but no free speech here :confused:
    You are only supposed to smell and sense good things about IV and hence write only good ... but god-forbid if you write truth then IV-watchers will try to ruin your "image" by giving RED dots (IV-mileage points) and make you feel bad-guy :rolleyes:

    Dude, it's not red dots, it's red squares.

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  • srikondoji
    10-07 03:13 PM
    Yes there is demand, but that demand initially came from NRI's. This is when properties were worth under 20 lakhs. But soon the prices jumped to levels even unaffordable to NRIs. Now these prices are unsustainable because even a person earning 1 lakh per month cannot afford a 50 Lakh worth propery. This is because of high interest rates on home loans.
    I know few real estate houses where they are almost close to bankruptcy because they couldn't sell the houses or land. They borrowed huge amount of high interest short term loans and now can't sell the properties.
    Sure, there is demand but economics will take the front seat at the time of materialization of this demand.

    Your theory sounds exactly that of my father. When i challenged him in year 2005 that property values in Hyderabad will have to fall as the rise in prices is riduculous, he laughed at me. He said "I have not seen in my entire life a price drop in property prices". When i said, i will not invest in real estate until the prices fall, he just made fun of me.
    I was at the receiving end for the past 2 years both in US and also in India for the decision not to invest in real estate here and also in India.
    Luckily the piece of land i bought in India in the year 2004 still holds its value.


    There is vast difference between US and Indian housing market crash. India RE market will not collapse like here. There may be a melt down or small correction. The simple big reason is demand for housing in middle class due to economic growth. Based on population density, US is 9 times bigger than India. Lot of land in US. But housing land is so limited in India. So there is always demand. Second reason, there is no sub-prime lending in India. Third, in India, housing loan is based on cash worthiness rather than credit worthyness like in US. So we may not see such a massive foreclosure/bankrupcy in India to bring the price down considerably like in US.

    However, now the prices or extremly high, such that it can not be affordabe to people other than NRI or IT folks. 1 crore houses are very common now. Based on US economy it will definitly come down. It will be depend on how hard IT/outsourcing bussiness gets affectd in future.

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  • WaldenPond
    03-13 07:55 AM
    I am an IV old timer and I was wondering where the IV old timers were?

    black_logs, ragz4u. logiclife, waldenpond, berkleybee, shilpa?

    How many core IV members have already received their GCs besides Aman, just curious?

    Of late is there anything of note even happening on the lobbying front? IV seems to have become another Immigration Portal kinda website where people are now posting all sorts of info, some of it not even immigration related.

    It would be nice if someone in the core team updated the rest of us, who cannot join the state chapters due to personal reasons on the website.


    Logiclife and Pappu are attending a personal matter of utmost importance at this time. WaldenPond (that is me) is here to answer your question and continue to actively participate in the activities of IV along with Logiclife and Pappu. Others names in your list have not been working in IV since long time � 2006. So don't know how to respond to your question about any of the other names.

    Advocacy is a long drawn process and we do not think it is the best interest of our effort to declare on-going advocacy efforts on the forum even when it means that we will not be able to quench the curiosity of some of the members. It will hurt our cause if we continue to announce advocacy effort details on the forum.

    Periodically communicating with members stuck in green card backlog in your community/state takes just couple of minutes in a week and is not demanding at all. This channel takes extremely less time to update yourself with what is going on. So that is the channel we are following at this time to share information. As such we request you to please join the group/team in your local area and use that channel to get the updates. When there is an update that can be shared on the forum, we do post the update for all the members.

    I received my green card in June-07 and shared this information on the forum earlier. There is one other member who received green card in past few months but for the purpose of privacy it is better for the member to have the choice if/when to announce on forum. I hope you understand and appreciate if someone decides not to announce a specific personal information on the public forum. No other member of core team have received their green card and regardless of the fact whether we have received the green card or not, we continue to do everything possible to work on fixing EB green card delays/backlogs.

    Hope this answers your questions.



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  • axp817
    03-31 09:31 AM
    I (and I�m sure others too) would like to know how the following works,

    Employer X filed labor, 140 for their employee. Both were approved (assumption - no RFEs, etc. until now), 485 was filed for in July 2007, and remains pending.

    The employee was employed with Employer X from before the labor was applied and until ~360 days after the 485 was filed, and was always paid more than the LC prevailing wage/offered salary.

    In July 2008, the employee leaves employer X and joins employer Y under AC21 provisions. An AC21 letter, G-28N are submitted.

    140 never gets revoked by employer X.

    In Jan 2009, employer X receives an Ability to Pay RFE for another pending 140 of theirs.

    At this point, employer X has 16 140s that are open (pending OR approved with 485 pending to be filed/filed and pending). Out of those 16 140s, one was for the employee that left under AC21.

    When they respond to that RFE, I do understand that they could be asked to show ability to pay for all 16 140s, even for the one that doesn�t work for them anymore, because of the fact that it was never revoked.

    In this case, is the employee (that left) covered or at risk? I ask this question because the employee that left submitted AC21 documentation immediately upon leaving, thus notifying the USCIS that the �ability to pay� responsibility for his case, if any at all, now lies with the new future employer. There probably isn�t any clear definition of such a situation in the law, but can such an argument ever hold up in court, and protect the employee�s AOS application from getting affected due to any ability to pay issues the old employer (X) has had AFTER the employee left them.

    The only person on here that I expect to be able to give a non-speculative answer to this is UN, unless someone else has personally gone through something similar.

    Long post, I know, and I hope it does get read.

    Thank you.

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  • sumansk
    07-12 11:52 AM
    Please DONOT discuss things which are favourable to our caues as this Alerts the likes of Toncredo and Lou Dobbs and scuttle our efforts.PLease any good news keep it to yourself and let it come out in the open at the right time.By overdisucssing and blurting out everything on this website with all our efforts of search , we jeopardize our chances to these B*****S

    So keep it to yr self....PLEASE !!!


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  • Almond
    01-08 05:00 PM

    Ok, I'm out of tears. This is just pathetic now.

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  • ChainReaction
    07-18 11:22 AM
    You mean EAD, not AP, right? AP can be used in conjunction with EAD.

    Also, you can file for both EAD and AP and not use it. Just having the two will not force you to have 1 year extenstions. You can still get 3 year extensions if you don't use EAD and AP.

    Am I right, friends?

    Based on my understanding once 485 is filed, one can only get one year H1b extension it does not matter if one uses EAD/AP.


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  • When485
    08-11 12:16 PM
    EB3 - Aug 2006
    140 - Approved April 07
    I485 - RD July03, 2007
    EAD - renwed until 2010

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  • ingegarcia
    02-06 10:43 AM
    thanks for explaining. my suggestion then is to go to school on F1 (maybe ?) and get a degree that can help him/her get a job that qualifies under H1b.

    Our main goal to solve the retrogression problem.

    Since you can study under H4 you cannot apply for F1 (My wife tried that already) :)


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  • Mr. Brown
    05-14 02:18 PM
    Well ... I could partially agree to your rant. While I understand your point of view it is not justified on your part to generalize all posters into one category. You should have been more specific about what kind of posts (and even posters if you wish) frustrate you.

    In my view your words "Get a life" certainly applies to the following set of people (in that particular order):

    Those who say they are awaiting their GC to plan their lives (get married, have kids, buy a house etc.) I am married with a kid and bought a house and all I have is a I-140 approval (Not applied for I-485 yet). So what happens if I loose my job? I will make an honest effort to find one and if I fail I'll sell my house and go back to India. I am prepared both mentally and somewhat financially too. As much as I want to live in the USA it is common sense that I always have a solid back up plan to go back if need be.

    Those who come here whining about their I-485 getting rejected and don't have a back up plan. Seriously, how many times must you get jacked before you realize that USCIS is not dependable? How the heck can one plan their life around it? One must realize that GC is just a small part of your life and not your life itself. Get your priorities straight.

    Those who say that laws are racist. Hilarious! BTW racism is not one way (like the Whites out here want you to think) so beware of what you say unless you don't mind getting sued.

    Those who build up their hopes with predictions on the next visa bulletin and go emotionally crazy when the hopes crash with the release of that bulletin. I mean c'mon ... flower campaigns? hunger strikes? Are you that naive to think it worked the first time? This ain't a factory in India and we aren't a group of union workers.

    The above form a very small group of people on this website and that is where the problem lies with your post. You are basically stereotyping all of us into a category formed by a small group of people.

    Anyway, good to know of your Canadian PR success ... good luck!

    To those who fall in the above 4 categories take the time to realize that its all in your head. Be strong and prepared mentally. You've done all you can in an honest way. If things don't work out then so be it. Sometime in the future you will realize that it was all for your own good. Move on in style to your next adventure ... it's waiting for you.

    This might come as a surprise to some of you, but someone needs to say it out loud. GET A LIFE FOLKS!!!! there is more to life then EB, GC and all. it seem all we desi's can think of is how to get a green card so we can live here with peace and never have to worry bout getting laid off or anything.

    Few points:

    1) having gc is a privilege not a right.

    2) US has every right to choose whom they want to have in their country.

    3) If getting PR or citizenship of a western country is the goal there are many countries which have a fair point based system.

    4) Considering the number of fraud's committed by Indian body shoppers and people who use them, i am not surprised USCIS is extra careful when it comes to Indian applications. Anyone who got his wife with no exp with software dev an h1b visa from some cheat in Jersey knows what i am talking bout . My freind got his wife an H1 after showing she knew software testing even though her major was fine arts and all she was good at was web surfing :)

    5) have a back up. i came here in 2001 as student and have seen it all. I am on h1b since 2004. i knew we have too many people whose sole aim in life is a American GC. to avoid becoming one of those who check processing dates first thing in morning, i applied for Canadian PR, got it in 8 months and i am not even gonna bother applying for labor, i-140 and all those precious life controlling documents.

    Wake up friends, you have options. Don't let your life depend on you application status.


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  • thakurrajiv
    07-30 10:34 AM
    Dont even think about it unless you are a quant and have resources that can compete with the Hedge funds. Commodities do not behave like stocks, you need to be able to model prices using multi variate models. Then there is jumps. You should be familiar with jump diffusion/step functions etc. To be able to model these you will need to use a factor model like the Pilipovic model. Even then it will only be an approximation.

    Commodities are purchased as futures. Futures are derivatives and you will need to hedge them. A perfect hedge for a future is 1:1 in the spot. Since there is no arb here you will have to use options. To model the price of an option you will have to be a master of Black-Scholes option pricing model or a similar method like monte carlo simulation. Even if you figure all this out you will have to delta hedge. Delta hedging commodity options is very expensive, you will bleed money. Look up Hodges-Nuberger model for delta hedging options on derivatives.

    I suggest a book by Daragana Pilipovic called "Energy Risk", buy it and read it. After that if you still feel you can take on hundreds of computers running parallel with teams of quants modelling prices and programs trading algarithimic models; then Good luck!!

    Trade stocks as modelling stocks is comparitively easy. Stocks have drift (mu). If you are saturated with stocks look into options and Fixed income. Leave all these complicated stuff to the pros. You have better chance of hitting a jackpot in a casino than making money in trading commodities.
    Wow, smisachu summarized the issue in 2 paragraphs !! Great post smisachu.
    As smisachu pointed out for futures, forwards or options trading you will be going against the pros. Hedging is also not a static process, it is dynamic which means you need scale(lots of money) to trade. Unless you have lot of money and big heart for loss, it does not make sense to play in those markets. If you really want to try, try playing with options using optionsExpress or some other cheap trading website.
    Now fundamental investing is different. Instead of directly playing with commodities you can play commodity stocks which are proxy for the commodity. The issue here is there are a few big players and bunch of small players. Small plays are too risky as most of them have resources outside US. You might be able to play big ones or medium sized ones. Have a look at companies like COP, EAC etc. You might be interested in looking at Canadian oil sands and trust plays.
    Let me warn you about the volatility. As covered by smisachu, the pros can manipulate the prices in futures. Futures seem to be affecting spot a lot. Oil prices or any commodity can be very volatilile. So if you can't take 10% swings in days/hours, don't even think about commodity stocks !!
    Personally I am long bull of oil and will stay like this in forseable future. I have interesting stories on my boom and bust experiences but that is a good beer talk :).


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  • KanME
    07-19 10:52 AM
    Since, just about everyone benefits some way or the other from this forum, why not charge a regular fee.

    And start paying back the monies spent by the core team.

    I second that: Reimburse Core and make IV a paid site.

    Perosnally , more contributions to follow.

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  • gsc999
    07-12 02:18 AM
    We need help:

    - putting together some wooden banner structures. We will provide material. Please PM me if you are in Sunnyvale area and can meet in person on Friday in Sunnyvale for transfer of material.
    - Ten or so volunteers to help direct and manage the Saturday(07/14) event.
    - People to help with misc. activities like registering the participants who come to the event.


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  • shishya
    06-13 06:21 PM
    Now thats a relief for all of us!
    I do have this question:
    How long does it take if I get my GC now (as a bachelor) and then later on apply GC for my wife? I heard its around 4-5 years again?

    So, would it be a better decision to wait and not apply for 485 (I have my 140 approved as of Dec 06) now until I get married to be able to apply it together with my wife?

    Comments/opinions please!


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  • 485Mbe4001
    11-27 12:49 PM

    NY Times Op-Ed Columnist
    Follow the Fundamentals
    Published: November 27, 2007

    Lou Dobbs is winning. He’s not winning personally. He’s not going to start winning presidential awards or elite respect. But his message is winning. Month by month the ideas that once prevailed on the angry fringe enter the mainstream and turn into conventional wisdom.

    Once there was a majority in favor of liberal immigration policies, but apparently that’s not true anymore, at least if you judge by campaign rhetoric. Once there was a bipartisan consensus behind free trade, but that’s not true anymore, either. Even Republicans, by a two-to-one majority, believe free trade is bad for America, according to a Wall Street Journal/NBC poll.

    Once upon a time, the fact that hundreds of millions of people around the world are rising out of poverty would have been a source of pride and optimism. But if you listen to the presidential candidates, improvements in the developing world are menacing. Their speeches constitute a symphony of woe about lead-painted toys, manipulated currencies and stolen jobs.

    And if Dobbsianism is winning when times are good, you can imagine how attractive it’s going to seem if we enter the serious recession that Larry Summers convincingly and terrifyingly forecasts in yesterday’s Financial Times. If the economy dips as seriously as that, the political climate could shift in ugly ways.

    So it’s worth pointing out now more than ever that Dobbsianism is fundamentally wrong. It plays on legitimate anxieties, but it rests at heart on a more existential fear — the fear that America is under assault and is fundamentally fragile. It rests on fears that the America we once knew is bleeding away.
    And that’s just not true. In the first place, despite the ups and downs of the business cycle, the United States still possesses the most potent economy on earth. Recently the World Economic Forum and the International Institute for Management Development produced global competitiveness indexes, and once again they both ranked the United States first in the world.

    In the World Economic Forum survey, the U.S. comes in just ahead of Switzerland, Denmark, Sweden and Germany (China is 34th). The U.S. gets poor marks for macroeconomic stability (the long-term federal debt), for its tax structure and for the low savings rate. But it leads the world in a range of categories: higher education and training, labor market flexibility, the ability to attract global talent, the availability of venture capital, the quality of corporate management and the capacity to innovate.

    William W. Lewis of McKinsey surveyed global competitive in dozens of business sectors a few years ago, and concluded, “The United States is the productivity leader in virtually every industry.”

    Second, America’s fundamental economic strength is rooted in the most stable of assets — its values. The U.S. is still an astonishing assimilation machine. It has successfully absorbed more than 20 million legal immigrants over the past quarter-century, an extraordinary influx of human capital. Americans are remarkably fertile. Birthrates are relatively high, meaning that in 2050, the average American will be under 40, while the average European, Chinese and Japanese will be more than a decade older.

    The American economy benefits from low levels of corruption. American culture still transmits some ineffable spirit of adventure. American students can’t compete with, say, Singaporean students on standardized tests, but they are innovative and creative throughout their lives. The U.S. standard of living first surpassed the rest of the world’s in about 1740, and despite dozens of cycles of declinist foreboding, the country has resolutely refused to decay.

    Third, not every economic dislocation has been caused by trade and the Chinese. Between 1991 and 2007, the U.S. trade deficit exploded to $818 billion from $31 billion. Yet as Robert Samuelson has pointed out, during that time the U.S. created 28 million jobs and the unemployment rate dipped to 4.6 percent from 6.8 percent.

    That’s because, as Robert Lawrence of Harvard and Martin Baily of McKinsey have calculated, 90 percent of manufacturing job losses are due to domestic forces. As companies become more technologically advanced, they shed workers (the Chinese shed 25 million manufacturing jobs between 1994 and 2004).

    Meanwhile, the number of jobs actually lost to outsourcing is small, and recent reports suggest the outsourcing trend is slowing down. They are swamped by the general churn of creative destruction. Every quarter the U.S. loses somewhere around seven million jobs, and creates a bit more than seven million more. That double-edged process is the essence of a dynamic economy.

    I’m writing this column from Beijing. I can look out the window and see the explosive growth. But as the Chinese will be the first to tell you, their dazzling prosperity is built on fragile foundations. In the United States, the situation is the reverse. We have obvious problems. But the foundations of American prosperity are strong. The U.S. still has much more to gain than to lose from openness, trade and globalization.


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  • krishna.ahd
    11-10 01:41 PM
    My suggestion - You can not play safe your whole life.
    100% Agree

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  • h1b_alex
    03-29 03:35 AM
    @buddy thanks for this thoughtful insight, and i am also not looking forward to any transfers as i tried it with one employer who wanted to hire me but so late as it has been the procedure didn't get through.

    Well about him not closing down shutters i know it would be difficult to indict him to that level, but even for him to hire an attorney and fight to save his A** would be a greater achievement and moreover once i am back to my native, i will blacklist him as much as i can in the forums and in the immigration voice. I will make it sure he doesn't get any goat to butcher from my native land any further.

    All i am seeking here is that even if DOL launches a investigation and he loses his money over it during his trial and if everything goes well (as i am preparing every doc , every communication, every letter that he sent me to prove that these consultants are all looking for money no matter even if it comes in the form of someone's blood) my job would be done. Hopefully DOL will tighten some screws somewhere and maybe i can save one more like me to fall into the trap of this company.

    I would be constantly working to make sure if someone types his name , my reviews of his blacklist appears before his company website, i have done many SEOs for many companies and my friends i am capable of destroying him at least over the internet and i shall see to it that happens.

    Maybe he took a bigger fish than he could swallow this time.:-)

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  • jjava100
    04-18 05:03 PM
    Congrats jimytomy !

    05-01 05:02 PM
    You guys are doing a good job .Keep the faith, I contributed 25$ , presently thats all I could do, all the best.

    01-28 03:19 PM
    One has to remember that the famous "AC21" is also a memo! My only concern is that we need to have a really good reason why we think AC21 is legal, and should be abided by, by USCIS, but the latest "E-E Relationship" memo is not legal, or is unjust...

    AILA wants to fight this on the grounds that such directives cannot be mandated in the form of a memo, but laws have to be passed. What if USCIS retracts the AC21 memo on the same grounds?

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