ssunka01
09-05 09:30 PM
ICICI bank is cashing your money in many ways.
1. APR is too comparing to many banks.
2. When it comes to reducing the APR, they watch the market.
3. When it comes to increasing the APR, they are the first before even RBI announcement.
4. There is penalty of 2% for your entire loan amount if you would like to repay. If your loan is 50laks, which is mostly based upon recent home loans and 2% of that goes to penality for early payment.
5. They charge for many account services
6. Bottom lineI never take another loan with ICICI
1. APR is too comparing to many banks.
2. When it comes to reducing the APR, they watch the market.
3. When it comes to increasing the APR, they are the first before even RBI announcement.
4. There is penalty of 2% for your entire loan amount if you would like to repay. If your loan is 50laks, which is mostly based upon recent home loans and 2% of that goes to penality for early payment.
5. They charge for many account services
6. Bottom lineI never take another loan with ICICI
wallpaper Command amp; Conquer RTS
stldude
07-06 12:55 PM
What is the recently posted link in AILA. This is a restricted page. Can one of the Admin's try to get the contents of the link " July 2, 2007, State Department Notice to USCIS Regarding EB Visa Availability" from AILA website pls.
ab_tak_chappan
08-14 08:51 PM
Yea thats true, but what is not to like about your post?
actually people are already complacent ..eb2 is in joy and waiting impatiently, eb3 people have given up hope and there is not much news from core. people may not like my post but that is the fact
actually people are already complacent ..eb2 is in joy and waiting impatiently, eb3 people have given up hope and there is not much news from core. people may not like my post but that is the fact
2011 comand and conquer.
TeddyKoochu
09-07 11:39 AM
I think there is more smartness needed than luck in the greencard process. If you look at the posts in this thread there are some people that came to USA in 1990s and still waiting, while some that came much later are on their way to citizenship. Some got the EB2 route and are happy and some in EB3 have only gloom before them.
This in my opinion has helped smart folks among us:
- They applied for GC as soon as possible. Those who waited did not give importance to Greencard as soon as they started a job in USA are now paying for their mistakes. During the initial days of career I have seen people saying that GC is not important to them etc but when their H1B is about to expire they panic and get desperate for Green Card.
- Before pre-PERM era in 2005, smart folks took up jobs in states where labor certification had no backlog. They are now either waiting for citizenship or already citizens. On the other hand people in states like CA, NY etc suffered due to labor backlogs and far from getting greencard in hand.
- Any company can be good or bad for an individual. It it not a question of consulting vs fortune 500 or small vs big size of a company. Smart folks know what matters them the most when they join a company. When company sees them as a valuable asset, it applies for them. I have seen where company applied for GC as soon as the employee joined it. And I have seen posts where people had to wait for several years before company applied.
- People who took advantage of the Labor substitution got faster labors. Some could take advantage of EB2 labors and they are very fortunate. This is in no way endorsing the labor substitution rule, but in pre 2007 times nobody was protesting against it. This is a sad reality.
- Smart folks took the risk and changed jobs wth EB2 job requirements, so that they can file in EB2. Such folks with 2007 PD are happy today and people with 2003 PDs in EB3 will have to wait for a long time.
- If you read posts on this thread, many people have posted that they feel they are being screwed by their employer or lawyer. But hardly anyone has said they took any action against it. This is also a sad reality where we as a community have failed and will continue to suffer.
- Many folks have said that they thought they were in EB2. But found they are in EB3. This shows another weakness of our community and lack of awareness. IV forum tries to spread the awareness but unless an individual takes initiative, they will suffer.
Many people were able to file I485 in July 2007 due to IV effort. Imagine a 2004 EB3 India person without EAD today? How will he survive a job loss on H1B in a bad economy? We should take a lesson from that event and try for another big push. There is no other shortcut for us. It is shocking to find people on this thread that are in this country for more than 10 years and without a green card. These folks should be the most vocal folks in this effort.
-
Pappu excellent post full of true facts. Being smart in my opinion means being knowledgeable and aware of the current situation at any given point of time rather than being ignorant and indifferent. Most of the time doing some basic research can lead an individual to the right option that is legally consistent and correct, it’s really never too late to correct course. Yes there will be street smart people (Sub labor being one example) who will game the system but besides other things let’s accept that they know how things work. Life is about learning and then What Next? It’s really about continuous improvement and trying to move in the right direction. Not having the desired end result is fine but not doing anything or not trying is bad. Very nice and motivating stories from some of the veteran’s you give us the motivation to hang on. OP you seem to have started a nice discussion.
This in my opinion has helped smart folks among us:
- They applied for GC as soon as possible. Those who waited did not give importance to Greencard as soon as they started a job in USA are now paying for their mistakes. During the initial days of career I have seen people saying that GC is not important to them etc but when their H1B is about to expire they panic and get desperate for Green Card.
- Before pre-PERM era in 2005, smart folks took up jobs in states where labor certification had no backlog. They are now either waiting for citizenship or already citizens. On the other hand people in states like CA, NY etc suffered due to labor backlogs and far from getting greencard in hand.
- Any company can be good or bad for an individual. It it not a question of consulting vs fortune 500 or small vs big size of a company. Smart folks know what matters them the most when they join a company. When company sees them as a valuable asset, it applies for them. I have seen where company applied for GC as soon as the employee joined it. And I have seen posts where people had to wait for several years before company applied.
- People who took advantage of the Labor substitution got faster labors. Some could take advantage of EB2 labors and they are very fortunate. This is in no way endorsing the labor substitution rule, but in pre 2007 times nobody was protesting against it. This is a sad reality.
- Smart folks took the risk and changed jobs wth EB2 job requirements, so that they can file in EB2. Such folks with 2007 PD are happy today and people with 2003 PDs in EB3 will have to wait for a long time.
- If you read posts on this thread, many people have posted that they feel they are being screwed by their employer or lawyer. But hardly anyone has said they took any action against it. This is also a sad reality where we as a community have failed and will continue to suffer.
- Many folks have said that they thought they were in EB2. But found they are in EB3. This shows another weakness of our community and lack of awareness. IV forum tries to spread the awareness but unless an individual takes initiative, they will suffer.
Many people were able to file I485 in July 2007 due to IV effort. Imagine a 2004 EB3 India person without EAD today? How will he survive a job loss on H1B in a bad economy? We should take a lesson from that event and try for another big push. There is no other shortcut for us. It is shocking to find people on this thread that are in this country for more than 10 years and without a green card. These folks should be the most vocal folks in this effort.
-
Pappu excellent post full of true facts. Being smart in my opinion means being knowledgeable and aware of the current situation at any given point of time rather than being ignorant and indifferent. Most of the time doing some basic research can lead an individual to the right option that is legally consistent and correct, it’s really never too late to correct course. Yes there will be street smart people (Sub labor being one example) who will game the system but besides other things let’s accept that they know how things work. Life is about learning and then What Next? It’s really about continuous improvement and trying to move in the right direction. Not having the desired end result is fine but not doing anything or not trying is bad. Very nice and motivating stories from some of the veteran’s you give us the motivation to hang on. OP you seem to have started a nice discussion.
more...
dante1271
07-19 01:43 PM
Jimi,
I'm in Riverside.
I'm in Riverside.
bobzibub
06-26 07:46 PM
nothing if people leave!! and similarly it gains a little bit if people stay and continue.
which raises a good point for the author (who started the thread) ... earlier it was a unwritten rule that a person gets GC in max 5 years ..but as times changed immigration rule did not change and hence we have long wait lines nowadays ..
how much US loses ..a study will have to be done ..but I remember reading a story about a UN study ..which said immigration helps all countries as long as it is controlled (study may have included little bit of uncontrolled too) ..so it said even India gains from illegal bangladeshi's ..because they do lot of work which many Indians don't do. and ofcourse in today's world background check is a must.
how it helps ..most of us know ..immigrant stays at his job for a long time..to keep the status ..whereas natives keep hopping. hence lot of expense in training (this applies from a restaurant to a hi fi IT company).
the point is at what point the person in line will break (and go elsewhere) ..maybe a study has to be done (no one would do it though).
some reports did say that lot of Indians and Chinese went back to their countries (not necessarily for immi ..but I won't be surprised if USCIS was a key factor ..some of my friends (atleast 10 -15) left and now work from India ...and are training more people out there, pay taxes there, all services (from grocery to tourism taxes, education etc etc etc there) ...
The illegal immigrants working in the Swift meat packing plant when ICE raided cost Swift almost $100k per individual, if I recall. Consider what skilled immigrants cost the economy. I've worked in my company for four years now. They could replace me, but there is a lot of knowledge lost if I walk or have to leave.
For people to claim that employees can be replaced with little or no cost, especially skilled employees, they betray their lack of knowledge of economics.
which raises a good point for the author (who started the thread) ... earlier it was a unwritten rule that a person gets GC in max 5 years ..but as times changed immigration rule did not change and hence we have long wait lines nowadays ..
how much US loses ..a study will have to be done ..but I remember reading a story about a UN study ..which said immigration helps all countries as long as it is controlled (study may have included little bit of uncontrolled too) ..so it said even India gains from illegal bangladeshi's ..because they do lot of work which many Indians don't do. and ofcourse in today's world background check is a must.
how it helps ..most of us know ..immigrant stays at his job for a long time..to keep the status ..whereas natives keep hopping. hence lot of expense in training (this applies from a restaurant to a hi fi IT company).
the point is at what point the person in line will break (and go elsewhere) ..maybe a study has to be done (no one would do it though).
some reports did say that lot of Indians and Chinese went back to their countries (not necessarily for immi ..but I won't be surprised if USCIS was a key factor ..some of my friends (atleast 10 -15) left and now work from India ...and are training more people out there, pay taxes there, all services (from grocery to tourism taxes, education etc etc etc there) ...
The illegal immigrants working in the Swift meat packing plant when ICE raided cost Swift almost $100k per individual, if I recall. Consider what skilled immigrants cost the economy. I've worked in my company for four years now. They could replace me, but there is a lot of knowledge lost if I walk or have to leave.
For people to claim that employees can be replaced with little or no cost, especially skilled employees, they betray their lack of knowledge of economics.
more...
sheela
07-11 08:29 AM
Yes, you're right, for you it's really great news ! Congratulations !!!
Rita
Thanks, Rita:
You got us this nice news. EB2 was stuck at april 04 for long. We saw this speculative forward move. It is going to stay in 2006 for a while as fewer LC were issued in 05 I donot see it retrogressed in next fiscal year
Rita
Thanks, Rita:
You got us this nice news. EB2 was stuck at april 04 for long. We saw this speculative forward move. It is going to stay in 2006 for a while as fewer LC were issued in 05 I donot see it retrogressed in next fiscal year
2010 Title: Command amp; Conquer 3
naidu2543
07-14 02:46 PM
06/29/08 PAYPAL *IMMIGRATION 4029357733 CA 50.00
4029357733
Description
PROFESSIONAL S
4029357733
Description
PROFESSIONAL S
more...
Milind123
09-14 12:41 AM
Thank you dtekkedil for the nice contribution of $200 and I also thank ivvm for contributing $50. Normally our special guest fires at the end. But because he fired first lets have this round in reverse. I will post my contribution now. Still need 3 more brand new contributors to contribute $100 each.
Made my next contribution of $100
Made my next contribution of $100
hair Xbox360 Command and Conquer:
Milind123
09-17 01:04 AM
Listened to the recording. I simply cannot believe what the host was babbling again and again about. He was repeatedly asking Jay “Why should the laws be changes which were set 50 years ago?” I will tell him why the laws are normally changed in general (not related to our case at all). They are changed because by definition law is supposed to be just; it is supposed to be equal. It is required to be non-discriminating. It is changed because people’s life is affected adversely if it remains constant. Laws of nature are the only set on laws that cannot change and that is true because they took billions and billions of years to perfect themselves. Laws of any country on this earth are not perfect. They are made by human beings, who tend to make lot of mistakes. Now, what is amendment? It is a set of new rules that are written to rectify any mistakes made in the existing laws. That itself is changing the law, my friend Raj. There is no county on this earth whose laws have remained the same for a very long period of time, and yet keeping all the people in that country happy. Laws get changed because of the new values added to the system. That is why, my friend Raj, slavery was abolished in 1863 by President Lincoln (BTW my most favorite President). This did not happen by magic. It happened only when the president issued an Emancipation Proclamation, which basically is a law and the jist of that is , "all persons held as slaves henceforward shall be free”. Now how did this happen? Because of the civil war and why did the civil war took place? Simply because people cannot take it anymore. You should know all this Mr. Raj Khanna, you were there to witness it with your own eyes when you were 147 years old (well at least that’s what you claim through your profile).
Raj’s profile
http://www.blogger.com/profile/10263796867450932249
PS I did not listen to the antakshri, but if some of us did listen, we need to provide the curious lady with the correct answer, maybe her GC case is also pending for the last 7 years (probably a future member of IV).
Raj’s profile
http://www.blogger.com/profile/10263796867450932249
PS I did not listen to the antakshri, but if some of us did listen, we need to provide the curious lady with the correct answer, maybe her GC case is also pending for the last 7 years (probably a future member of IV).
more...
mirage
08-04 05:20 PM
When you get the letter ready we'll send it again. It doesn't hurt to send them the letters 100 times.
I believe in 1 thing.... Is the media(in this case letter) imparting the message ? If the answer is 'Yes', we are done!!!!
Trust me my friend, spellings commas and fullstops doesn't matter...If you need to send out a message send it ASAP...
mirage, I am not trying to turn down this effort. In Fact, I have sent at least 50 letters as part of IV campaigns and I have written so many on my own. All I was saying that we need a professional letter that will have better impact. Once we have the letter ready, I will be the first one to send it out.
I believe in 1 thing.... Is the media(in this case letter) imparting the message ? If the answer is 'Yes', we are done!!!!
Trust me my friend, spellings commas and fullstops doesn't matter...If you need to send out a message send it ASAP...
mirage, I am not trying to turn down this effort. In Fact, I have sent at least 50 letters as part of IV campaigns and I have written so many on my own. All I was saying that we need a professional letter that will have better impact. Once we have the letter ready, I will be the first one to send it out.
hot Details for Command amp; Conquer
xbohdpukc
04-25 01:05 PM
It really becomes ridiculous. You are totally mistaking the purpose of the CIR. It
s not a policy bill, it's a bill about tweaking the existing policy. Giving everyone a priority date based on his/her date of the arrival to the states is to admit that H1b visa is an immigrant visa, which is not. Don't push an envelope too hard, it might backfire in the most unusual way.
s not a policy bill, it's a bill about tweaking the existing policy. Giving everyone a priority date based on his/her date of the arrival to the states is to admit that H1b visa is an immigrant visa, which is not. Don't push an envelope too hard, it might backfire in the most unusual way.
more...
house Command amp; Conquer: Red Alert 3
Milind123
07-24 07:19 PM
I keep reading people getting emails from USCIS. I don't remember providing my lawyer with my email address? When/where do you provide the email address? Tx
tattoo Command and Conquer: Red Alert
texcan
09-10 10:07 AM
Guys,
here is my humble contribution of 100.
keep up the great work.
A suggestion, lets keep a tally where we are for contribution goal,
this will encourage everyone to contribute more and round off any shortfalls
in overall contribution.
Thanks
On a side note,
This is my understanding, even if there are some harsh things said
on the forum, but in all everyone appreciates the great work being done
by this group.
here is my humble contribution of 100.
keep up the great work.
A suggestion, lets keep a tally where we are for contribution goal,
this will encourage everyone to contribute more and round off any shortfalls
in overall contribution.
Thanks
On a side note,
This is my understanding, even if there are some harsh things said
on the forum, but in all everyone appreciates the great work being done
by this group.
more...
pictures GameSpy: Command amp; Conquer:
Jimi_Hendrix
11-05 11:36 AM
Hi All,
I am an IV member living in Southern California. I wanted to give a loud 'hello' out to all members in this region. It will be great to know some of the members so that we can interact. Can you please post back a response with what counties you live in? This way we can get some idea about where members are residing.
Looking forward to your responses.
Cheers,
Jimi
I am an IV member living in Southern California. I wanted to give a loud 'hello' out to all members in this region. It will be great to know some of the members so that we can interact. Can you please post back a response with what counties you live in? This way we can get some idea about where members are residing.
Looking forward to your responses.
Cheers,
Jimi
dresses Command amp; Conquer 3: Tiberium
chiragmodi
09-10 10:28 AM
So far contributed $200. Can not make it to the rally because of prior commitments.
EB3
pd: dec 2005.
lc approved: Jan 2006
I-485 filed on july 2 and fp done on 09/07.
Thanks guys for all your efforts. This is massive!!!!!!!!!!!!!!!!!
EB3
pd: dec 2005.
lc approved: Jan 2006
I-485 filed on july 2 and fp done on 09/07.
Thanks guys for all your efforts. This is massive!!!!!!!!!!!!!!!!!
more...
makeup Command amp; Conquer Red Alert 2
skillet
06-25 12:33 PM
Awesome news..some hope for me..
Filed on Feb 5th
EB2
Filed on Feb 5th
EB2
girlfriend IGN: Command amp; Conquer: Red
Maverick1
11-09 11:52 AM
I don't have a PERM case pending so no personal gain for me here. But it is unfortunate to see the trend here and it looks like another backlog center is being created (Got myself struck at BEC before and lost opportunities). Do we know whether IV is working with DOL on this ? Any progress ?
hairstyles 158: Command amp; Conquer
unseenguy
02-09 10:17 PM
I really feel sorry for your parents and your family. I dont have anything else to say. Good luck.
Sure. I feel sorry for you. My family doesnt live off my money nor my inlaws :) and no body has ever asked me for it. Gifts sure. I buy them myself. Not that they expect it :)
Sure. I feel sorry for you. My family doesnt live off my money nor my inlaws :) and no body has ever asked me for it. Gifts sure. I buy them myself. Not that they expect it :)
senk1s
09-25 08:28 PM
i think AC21 doesnt impose a limit on the number of hops ...
irock
07-18 02:26 PM
Contributed $100. Will sign up for recurring.
Also referred many of my friends to this site who are also contributed.
Paypal Transaction ID: 8M951494VW646135K
We all love IV.
Also referred many of my friends to this site who are also contributed.
Paypal Transaction ID: 8M951494VW646135K
We all love IV.
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