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MeraNaamJoker
08-03 03:41 PM
Priority Date :- December 26th, 2001.. you should be camping outside the USCIS Service Center doesn't matter what category you are..
On serious note, you should call your senator's office right away before you waste anymore time..
With the senator's office, I have a very bad experience though.:confused:
I called them once in the past (my date was current then) and they returned the call saying that the administration has certain policies on immigration and there is nothing much they can do at the given point of time.
Hence i refrained from it. Does it really help? They might have already forgotten my name by now.
On serious note, you should call your senator's office right away before you waste anymore time..
With the senator's office, I have a very bad experience though.:confused:
I called them once in the past (my date was current then) and they returned the call saying that the administration has certain policies on immigration and there is nothing much they can do at the given point of time.
Hence i refrained from it. Does it really help? They might have already forgotten my name by now.
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Canadian_Dream
01-24 05:18 AM
Slumdog,
You did exactly what you have accused others of(that is bashing). You could have simply opined, put your point through and left. But you went further than that, I don't understand what is the whole idea of one group passing judgment on others. There are EB2 better than EB3 threads, the labor substitutes vs. honest to God super qualified deserving PERM filers, then there is US educated vs. non US educated and now renters vs. home owner and savers vs. big spenders. What I fail to understand is, if you have to make your point please do so but keep your opinion about others to yourself on your blogs or you personal websites.
Now coming to the point:
These people do not want to buy houses not because they cannot afford or they want to play safe. They just don’t want to spend. All they care is Saving, Saving, saving their entire life & keep filling their bank balances. Often strangely both couples are working.
What's wrong if a couple is saving and filling their bank accounts ? Tell me one thing that is wrong about being frugal ? May be they are saving to for their future education or for their kids education ? For a small business ? or Simply retiring at 40 ? or May be having a bank account full of money gives them same pleasure that you get from your McMansion ? Or they simply want to live debt free and sleep well at night. So unless I have some material possession to show for my money, I am wasting it all away ? Isn't it ?
These are people who want to live in cheapest rent (even with double income) in single bedroom & they don’t mind children sleeping in their bed room. They don’t mind sending their children to low grade schools.
If you want to throw your hard earned money and pay the highest possible rents, please go ahead. Don't preach. Public education is free and private school are not cheap so please explain what do you mean by "Low Grade Schools" ? Besides renters can choose any school they want by simply renting in the best school district at all grades. Your point doesn't make sense. Besides living frugally gives your kids a better shot at quality education then overspending on unnecessary things.
Their intention to come into this country is only for earning money & because they don’t have high ambitions & all they care is saving & not spending, they just think of saving in all possible ways.
Making money is a perfectly fine ambition is a capitalistic country. May be their ambition is to save early and then provide the best for their family by working part time in later years. Please define "high ambition" ? Buying a high rise condo ? McMansion in a suburb ? Would that instantly qualify me to be an ambitious achiever ?
They call themselves rich because of bank balances but in my
It doesn't matter what your views are, if they have money in the bank they are actually "rich". If they can maintain the same life style in good times and bad times, they are rich. They can provide food, shelter and health insurance for their family during tough times, they are rich. Unfortunately your views will NOT pay bills, so you can distribute them freely on this forum all you want it won't make a difference.
They call themselves rich because of bank balances but in my view they are poor than most of homeless guys who live out streets.
Don't insult someone just because he/she is homeless. People do go through tough times and not everyone is fortunate to have smooth sailing all along. You said have seen it all but you haven't learned to be humble !!! May be you ain't seen nothing yet. Start with "Pursuit of Happiness" the movie that is.
Category 2: Money Money Money
These people do not want to buy houses not because they cannot afford or they want to play safe. They just don’t want to spend. All they care is Saving, Saving, saving their entire life & keep filling their bank balances. Often strangely both couples are working. These are people who want to live in cheapest rent (even with double income) in single bedroom & they don’t mind children sleeping in their bed room. They don’t mind sending their children to low grade schools. They don’t mind their in-Laws or parents when they visit sleeping in living room on the floor. Their intention to come into this country is only for earning money & because they don’t have high ambitions & all they care is saving & not spending, they just think of saving in all possible ways. They call themselves rich because of bank balances but in my view they are poor than most of homeless guys who live out streets.
Category 3: Unaffordable
They simply cannot afford due to multiple reasons like single Income, financial obligations etc.
Continuation..... Next Page...
You did exactly what you have accused others of(that is bashing). You could have simply opined, put your point through and left. But you went further than that, I don't understand what is the whole idea of one group passing judgment on others. There are EB2 better than EB3 threads, the labor substitutes vs. honest to God super qualified deserving PERM filers, then there is US educated vs. non US educated and now renters vs. home owner and savers vs. big spenders. What I fail to understand is, if you have to make your point please do so but keep your opinion about others to yourself on your blogs or you personal websites.
Now coming to the point:
These people do not want to buy houses not because they cannot afford or they want to play safe. They just don’t want to spend. All they care is Saving, Saving, saving their entire life & keep filling their bank balances. Often strangely both couples are working.
What's wrong if a couple is saving and filling their bank accounts ? Tell me one thing that is wrong about being frugal ? May be they are saving to for their future education or for their kids education ? For a small business ? or Simply retiring at 40 ? or May be having a bank account full of money gives them same pleasure that you get from your McMansion ? Or they simply want to live debt free and sleep well at night. So unless I have some material possession to show for my money, I am wasting it all away ? Isn't it ?
These are people who want to live in cheapest rent (even with double income) in single bedroom & they don’t mind children sleeping in their bed room. They don’t mind sending their children to low grade schools.
If you want to throw your hard earned money and pay the highest possible rents, please go ahead. Don't preach. Public education is free and private school are not cheap so please explain what do you mean by "Low Grade Schools" ? Besides renters can choose any school they want by simply renting in the best school district at all grades. Your point doesn't make sense. Besides living frugally gives your kids a better shot at quality education then overspending on unnecessary things.
Their intention to come into this country is only for earning money & because they don’t have high ambitions & all they care is saving & not spending, they just think of saving in all possible ways.
Making money is a perfectly fine ambition is a capitalistic country. May be their ambition is to save early and then provide the best for their family by working part time in later years. Please define "high ambition" ? Buying a high rise condo ? McMansion in a suburb ? Would that instantly qualify me to be an ambitious achiever ?
They call themselves rich because of bank balances but in my
It doesn't matter what your views are, if they have money in the bank they are actually "rich". If they can maintain the same life style in good times and bad times, they are rich. They can provide food, shelter and health insurance for their family during tough times, they are rich. Unfortunately your views will NOT pay bills, so you can distribute them freely on this forum all you want it won't make a difference.
They call themselves rich because of bank balances but in my view they are poor than most of homeless guys who live out streets.
Don't insult someone just because he/she is homeless. People do go through tough times and not everyone is fortunate to have smooth sailing all along. You said have seen it all but you haven't learned to be humble !!! May be you ain't seen nothing yet. Start with "Pursuit of Happiness" the movie that is.
Category 2: Money Money Money
These people do not want to buy houses not because they cannot afford or they want to play safe. They just don’t want to spend. All they care is Saving, Saving, saving their entire life & keep filling their bank balances. Often strangely both couples are working. These are people who want to live in cheapest rent (even with double income) in single bedroom & they don’t mind children sleeping in their bed room. They don’t mind sending their children to low grade schools. They don’t mind their in-Laws or parents when they visit sleeping in living room on the floor. Their intention to come into this country is only for earning money & because they don’t have high ambitions & all they care is saving & not spending, they just think of saving in all possible ways. They call themselves rich because of bank balances but in my view they are poor than most of homeless guys who live out streets.
Category 3: Unaffordable
They simply cannot afford due to multiple reasons like single Income, financial obligations etc.
Continuation..... Next Page...
kevin08
04-12 06:07 PM
You envy the ones who got the GC and pity the once who got shipped.
That is unnecessary comment & I forgive you for that. Hope you get it right the next time.
That is unnecessary comment & I forgive you for that. Hope you get it right the next time.
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gupta432
05-10 11:24 AM
I did contribute during Flower campaign and I spread the word around to make sure my friends contributed as well. I was only trying to help you guys who are anxious looking at their case status online.
more...
needhelp!
05-15 03:00 PM
Please take the poll when you finish calling.. 30000 members.. we should get at least 3000 calls made.
Michael chertoff
05-11 11:42 AM
You will donate 25 dollars 4 years member or will calculate like 25x12x4 :)
You Idiot EB1. dont mess with me.you dont know the pain of waiting. stay out of my way.
If you like to start some nonsence, contact me directly, i can easily handle your attitude.
MC
You Idiot EB1. dont mess with me.you dont know the pain of waiting. stay out of my way.
If you like to start some nonsence, contact me directly, i can easily handle your attitude.
MC
more...
CantLeaveAmerica
04-12 09:38 AM
Does anyone know that if it's an India-issued passport and if it's about to expire, will I get the new passport the same day if I submit the application for renewal in person to the CGI/ Indian Embassy at Houston/ NY?
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BharatPremi
10-12 11:10 AM
I will appreciate your comments
RandyK, Yabadaba, EkAuraaya,
Sorry guys I was busy in other forums all these days. Today somehow I visited this forum and found your comments.
Now coming to the point it is very hard for me to put stats from 1999 to till today as a "proof" here but I will try to summarized in terms of events. And generally I will keep my predictions tagged to INDIA only because I have not studied or analyzed other categories greatly.
1) Till 2000 second quarter Labor approval in old system was really fast.
People used to have approved labor in one and half months in states like
california. If you arrived in USA in year 2005 or your GC is filed in 2005 or
thereafter you would not understand why I am writing this but ask the
importance about this sentence to the people who filed GC between 2001
and 2005.RIR was kind of recent concept and zillions of oppertunists were
taking advantage of that and still system was not broken. Categories were
not mattered much like today as for both catgories avg GC time was 2 to 3
years from start to end.
2) Here comes famous year 2001 - USCIS came up with AC21 and
simultaneously RIR catgory was starting having problems as those zillions
in step 1 already started clogging "RIR" and most of them were under EB2
USCIS (Then INS) started denial or tightened screws on RIR filing. Lawyers
started to force non-rir and preferably EB3 only category. From this point
onward category started to be mattered much and that thing is still going
on today. An dyet I have not talked about the mess and pile AC21
created with tons of bogus filings. EB2 clogging already became visible due
to RIR based filings... Lawyers were forcing EB3 and non-RIR filing and
couple ing with bogus filing EB3 Queue instantly became monsterous
(Within 6 months, or by the end of 2001) . Another factor is H1b Visa limit
made 195000 from 65000
3) RIR clogging mentioned in step 2 could become controllable so new filing
again get diverted towards EB2 with the knowledge of huge piled up filing
in Eb3. By year 2002 mid USCIS start experiencing "Adminsitrative
problems" and "huge work load and insufficient staff" and hence slow
approvals for labor. Simultaneously economy bubble bursted. Many
legitimate files became garbage as people were laid off left and right. For
survival in USA those laid off people join the queues of consulting
companies and multiple filings started to become visible.
4) Year 2003 - EB2 faced little retrogression briefly for 4-5 months and
second trend of RIR denials and second trend of forcing EB3- NON RIR
filing. EB3 faced brief retrogression for 2 months. Year 2003 finished with 2
Huge lines. Eb2 and Eb3. EB2 was predominantly RIR filings.. Screaming
already started and it was about to become like July fiasco at the first
quarter of year 2004. Because logically RIR was supposed to be faster
processing and it was serving its own purpose. Somehow USCIS realized
that and in all categories Eb2 started to be processed faster and Eb3 is
blocked. (Hey USCIS had 140000 visas only per year even at that time).
So end effect at the end of year 2004 the infamous block of EB3 got
implemented successfully and EB2 was running like "milkha singh".
5) By the year 2005 first quarter many people had to still wait although they
observed that they are in EB3 trap as economy was still bad. These group
slowly started to jump the fence either using LC substitution or new direct
filing under EB2. I remember one of my frined in California was asking me
that where he should pay $ 21000 for LC to desi comapny or not.
By the end of this process of jumping the fence to EB2 accelerated and
lasted till Year 2006. PERM was introduced.Backlog Centers were introduced.
For the whole 2 years (2005, 2006 and last quarter of 2004) EB3 was blocked
and EB2 was given preference.By the end of 2006 most stuck in EB2 since 2001
were released and got their GC. Now EB3 could start flowing.
6) You already know 2007 events.
7) Bottomline now EB3 will move upwards till 2005 mid with first priority and EB
2 will also brought till 2005 mid but this will be done by moving Eb3 first as
it is already way behind.
8) Once both EB2 and EB3 reches 2005 mid bench mark Eb2 will again
become faster with comparision to EB3.
Note: I have not talked about LC substitution practice during 2001 to 2004 but that black market was already flourishing
during all those years. And Have decided not to put 9/11 as a factor because nobody has a proof that USCIS
decided slow bleed based on 9/11. Yes we feel that but we cann ot produce the proof.
RandyK, Yabadaba, EkAuraaya,
Sorry guys I was busy in other forums all these days. Today somehow I visited this forum and found your comments.
Now coming to the point it is very hard for me to put stats from 1999 to till today as a "proof" here but I will try to summarized in terms of events. And generally I will keep my predictions tagged to INDIA only because I have not studied or analyzed other categories greatly.
1) Till 2000 second quarter Labor approval in old system was really fast.
People used to have approved labor in one and half months in states like
california. If you arrived in USA in year 2005 or your GC is filed in 2005 or
thereafter you would not understand why I am writing this but ask the
importance about this sentence to the people who filed GC between 2001
and 2005.RIR was kind of recent concept and zillions of oppertunists were
taking advantage of that and still system was not broken. Categories were
not mattered much like today as for both catgories avg GC time was 2 to 3
years from start to end.
2) Here comes famous year 2001 - USCIS came up with AC21 and
simultaneously RIR catgory was starting having problems as those zillions
in step 1 already started clogging "RIR" and most of them were under EB2
USCIS (Then INS) started denial or tightened screws on RIR filing. Lawyers
started to force non-rir and preferably EB3 only category. From this point
onward category started to be mattered much and that thing is still going
on today. An dyet I have not talked about the mess and pile AC21
created with tons of bogus filings. EB2 clogging already became visible due
to RIR based filings... Lawyers were forcing EB3 and non-RIR filing and
couple ing with bogus filing EB3 Queue instantly became monsterous
(Within 6 months, or by the end of 2001) . Another factor is H1b Visa limit
made 195000 from 65000
3) RIR clogging mentioned in step 2 could become controllable so new filing
again get diverted towards EB2 with the knowledge of huge piled up filing
in Eb3. By year 2002 mid USCIS start experiencing "Adminsitrative
problems" and "huge work load and insufficient staff" and hence slow
approvals for labor. Simultaneously economy bubble bursted. Many
legitimate files became garbage as people were laid off left and right. For
survival in USA those laid off people join the queues of consulting
companies and multiple filings started to become visible.
4) Year 2003 - EB2 faced little retrogression briefly for 4-5 months and
second trend of RIR denials and second trend of forcing EB3- NON RIR
filing. EB3 faced brief retrogression for 2 months. Year 2003 finished with 2
Huge lines. Eb2 and Eb3. EB2 was predominantly RIR filings.. Screaming
already started and it was about to become like July fiasco at the first
quarter of year 2004. Because logically RIR was supposed to be faster
processing and it was serving its own purpose. Somehow USCIS realized
that and in all categories Eb2 started to be processed faster and Eb3 is
blocked. (Hey USCIS had 140000 visas only per year even at that time).
So end effect at the end of year 2004 the infamous block of EB3 got
implemented successfully and EB2 was running like "milkha singh".
5) By the year 2005 first quarter many people had to still wait although they
observed that they are in EB3 trap as economy was still bad. These group
slowly started to jump the fence either using LC substitution or new direct
filing under EB2. I remember one of my frined in California was asking me
that where he should pay $ 21000 for LC to desi comapny or not.
By the end of this process of jumping the fence to EB2 accelerated and
lasted till Year 2006. PERM was introduced.Backlog Centers were introduced.
For the whole 2 years (2005, 2006 and last quarter of 2004) EB3 was blocked
and EB2 was given preference.By the end of 2006 most stuck in EB2 since 2001
were released and got their GC. Now EB3 could start flowing.
6) You already know 2007 events.
7) Bottomline now EB3 will move upwards till 2005 mid with first priority and EB
2 will also brought till 2005 mid but this will be done by moving Eb3 first as
it is already way behind.
8) Once both EB2 and EB3 reches 2005 mid bench mark Eb2 will again
become faster with comparision to EB3.
Note: I have not talked about LC substitution practice during 2001 to 2004 but that black market was already flourishing
during all those years. And Have decided not to put 9/11 as a factor because nobody has a proof that USCIS
decided slow bleed based on 9/11. Yes we feel that but we cann ot produce the proof.
more...
vicky4
08-03 08:10 AM
Hi All,
Here is my scenario...
I entered US on H4 in Sep 2005 and changed my status to H1 in Oct 2006.
I started working from February and have paystubs till July.
Planning to go India in August and get stamped for H1 in chennai consulate.
My husband has to renew his H1.
My questions are
1.)If incase my H1 gets rejected, I am planning to come on H4. Do i need to pay the fee again in HDFC for H4 and book an appointment or I can just walk-in some other day for H4 stamping with my husbands valid H1-B petition and other other required documents.
2.)We both are working for different employers. Can we take H1-B interview together?
Your inputs are appreciated..
Thanks,
vicky
Here is my scenario...
I entered US on H4 in Sep 2005 and changed my status to H1 in Oct 2006.
I started working from February and have paystubs till July.
Planning to go India in August and get stamped for H1 in chennai consulate.
My husband has to renew his H1.
My questions are
1.)If incase my H1 gets rejected, I am planning to come on H4. Do i need to pay the fee again in HDFC for H4 and book an appointment or I can just walk-in some other day for H4 stamping with my husbands valid H1-B petition and other other required documents.
2.)We both are working for different employers. Can we take H1-B interview together?
Your inputs are appreciated..
Thanks,
vicky
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dollar500
05-16 04:20 PM
Some guy picked up. I asked for immigration person. He said he's away. Then I read up the text on IV message. He said "thanks for the comments"
more...
willwin
10-05 04:14 PM
right. in the AILA call also they cautioned that retrogression will become worse (dates moving back!) once USCIS starts processing all those July/August filers...
Going by that, I guess, dates may move forward very slowly until these new applications are dust-shed and taken for process. And, this may take atleast 6-9 months or more in my opinion (going by the processing times of various USCIS centers).
They have started FY 2008 with some caution after July fiasco and may ease it up a bit in the next couple of months. I am confident most 2002 cases and some 2003 cases would see approval in the next 3-4 months.
Going by that, I guess, dates may move forward very slowly until these new applications are dust-shed and taken for process. And, this may take atleast 6-9 months or more in my opinion (going by the processing times of various USCIS centers).
They have started FY 2008 with some caution after July fiasco and may ease it up a bit in the next couple of months. I am confident most 2002 cases and some 2003 cases would see approval in the next 3-4 months.
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jsb
09-01 07:18 PM
Is the day over already????
Inshkrish you have two RDs I mean you are July 2 filer how come your RD is in Aug, ND is in October so technically you are out of the processing window (but are you???)
My PD is close to you....but no movement ..........
Congrats to all those who got green today....the world is at your feet....enjoy it while you can...
SoP
There is nothing like processing window. What each center reports is their status. If you see page where processing dates are reported, they say if your receipt notice date is prior to date reported you can contact them. This suggests that they believe all cases upto the published dates have been processed. This does not mean that they are not permitted to work on cases after the published date. In fact they may have been working way beyond the published dates.
Inshkrish you have two RDs I mean you are July 2 filer how come your RD is in Aug, ND is in October so technically you are out of the processing window (but are you???)
My PD is close to you....but no movement ..........
Congrats to all those who got green today....the world is at your feet....enjoy it while you can...
SoP
There is nothing like processing window. What each center reports is their status. If you see page where processing dates are reported, they say if your receipt notice date is prior to date reported you can contact them. This suggests that they believe all cases upto the published dates have been processed. This does not mean that they are not permitted to work on cases after the published date. In fact they may have been working way beyond the published dates.
more...
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sanjayc
06-30 03:10 PM
I applied for renewal and it was with additional fee for Tatkal, So i paid $155 ( 90 + 45 + 20 ). Recd passport in 8 days by Fedex.
Applied on : 6/4
Recd New Passport : 6/13
Last time i did not do Tatkal for my wife's passport and then we did not get it even after 2 months, we had to go to Houston personally and request those babus there, then they charged extra 90 anyway and sent passport in 3 days after that.
You will be amazed, they never pick phone or even if you go there personally, presumably it is too difficult for them to find your file.
Applied on : 6/4
Recd New Passport : 6/13
Last time i did not do Tatkal for my wife's passport and then we did not get it even after 2 months, we had to go to Houston personally and request those babus there, then they charged extra 90 anyway and sent passport in 3 days after that.
You will be amazed, they never pick phone or even if you go there personally, presumably it is too difficult for them to find your file.
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ujjvalkoul
01-17 04:51 PM
Its never too late....we still have time..but we all have to weigh in
more...
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glus
02-02 12:05 PM
I think Kerry(i think it is actually Kennedy E who introduced it - SA180 , SA 187 did not have anyhting to do with us it was for Women centers) di dnot have any good intentions for us in troducing this.If you see on Thomas(or congress.gov and search for HR2, see the fourth version, and check out amendments), SA180 was amendment to SA143 (this is by our friend Jeff Sessions). So most probably it was part of politics. Also this status says both these amendments wer eintroduced in Senate but thats it, they did not pass.
Yes, you are right, I got confused and removed my post. Yes, the 180 one was the right one.
So, should we call or e-mail sen. Kennedy and ask him to push forward?
Yes, you are right, I got confused and removed my post. Yes, the 180 one was the right one.
So, should we call or e-mail sen. Kennedy and ask him to push forward?
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svn
03-31 07:08 PM
There are tens of thousands from retrogressed countries who have been stuck for more than 8 years (PD 01 and 02). Most of us were either stuck in namecheck or BEC blackhole through no fault or ours. Still there are others who were screwed by employers and had to reapply labor and restart the GC process. When i talk to my congressman, all they say is that the PD is not current and they cannot help.
Great point! When I reach out to the Congressman's office, none of them are aware of the inefficiencies of the last few years that has resulted in the current backlog of AOS for folks from India, China etc. For example, my case was stuck in the BEC blackhole (transferred over just when it was about to be processed by State office) for well over 3 years when there were a significant number of Green cards available. However being in EB-3 India category, the dates today are not current even for my PD of Dec 02. Unfortunately, the Congressman's aides are only aware of current status and claim helplessness to do anything until the dates progress. Given this, we really need to talk to senior officials/ Congressional Sub-Committe members who are a little more aware of the details and understand the significant waste in the past that has led to current status.
Totoro, any suggestions to overcome this issue would be welcome. Great job btw - keep it up!
Great point! When I reach out to the Congressman's office, none of them are aware of the inefficiencies of the last few years that has resulted in the current backlog of AOS for folks from India, China etc. For example, my case was stuck in the BEC blackhole (transferred over just when it was about to be processed by State office) for well over 3 years when there were a significant number of Green cards available. However being in EB-3 India category, the dates today are not current even for my PD of Dec 02. Unfortunately, the Congressman's aides are only aware of current status and claim helplessness to do anything until the dates progress. Given this, we really need to talk to senior officials/ Congressional Sub-Committe members who are a little more aware of the details and understand the significant waste in the past that has led to current status.
Totoro, any suggestions to overcome this issue would be welcome. Great job btw - keep it up!
more...
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mundada
01-27 10:18 AM
I agree that house appreciates on average at inflation + 1% but it is still not a bad investment because most likely everyone would be taking a mortgage. So what we need to find out is a equity return on house?
For a 30 year mortgage and a 20% down payment, the house return on your invested equity of 20% by the end of 15 years is approximately equal to long term stock market return of 10%, even though the house is appreciating at inflation + 1%. This is because of deleveraging.
However, if we do not refinance by the end of 15 years then the house becomes a bad investment and the returns go down.
I beg to differ. House is a BAD investment. Historically houses appreciate approximately at the rate of inflation+1 or 2 % points.(Forget bubble years). Plus the costs(maintenance and property taxes) related to house ownership makes it a really BAD investment. Imagine putting money in an account which gives 2% returns and has 2% maintenance charges!
House is a great place to live in. That is what should be in mind while buying a house.
I agree. However if somebody thinks living in a bigger place brings a better quality of life, even then he/she does not need to buy at 3 times the cost of renting the same place. He can RENT. By buying you are bringing the quality of life down. At one time a place in my area which could be rent for appx 2000 dollars a month would take about 4000+ dollars to own with 30 year fixed. Reason? because rents reflect the buying power of the resident. Nobody gets a ARM for paying the rent!
Yes. I am convinced that if you wait another year or so, ratio of cost of ownership and cost of renting will come to some sane levels and that is when people should think of buying. I am planning the same.
For a 30 year mortgage and a 20% down payment, the house return on your invested equity of 20% by the end of 15 years is approximately equal to long term stock market return of 10%, even though the house is appreciating at inflation + 1%. This is because of deleveraging.
However, if we do not refinance by the end of 15 years then the house becomes a bad investment and the returns go down.
I beg to differ. House is a BAD investment. Historically houses appreciate approximately at the rate of inflation+1 or 2 % points.(Forget bubble years). Plus the costs(maintenance and property taxes) related to house ownership makes it a really BAD investment. Imagine putting money in an account which gives 2% returns and has 2% maintenance charges!
House is a great place to live in. That is what should be in mind while buying a house.
I agree. However if somebody thinks living in a bigger place brings a better quality of life, even then he/she does not need to buy at 3 times the cost of renting the same place. He can RENT. By buying you are bringing the quality of life down. At one time a place in my area which could be rent for appx 2000 dollars a month would take about 4000+ dollars to own with 30 year fixed. Reason? because rents reflect the buying power of the resident. Nobody gets a ARM for paying the rent!
Yes. I am convinced that if you wait another year or so, ratio of cost of ownership and cost of renting will come to some sane levels and that is when people should think of buying. I am planning the same.
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cooldude0807
01-14 05:04 PM
What are your plays for tomorrow?
hairstyles Like a scene out of CSI: Crime
glus
05-25 08:58 PM
Paper filed EAD renewal at TX lockbox delivered on 5/17/2010. Check cashed 5/25/2010. No receipt yet.
pd052009
04-11 11:44 AM
Countdown: 20 More days to go (Incl. today)
Required Yes Votes : 5000
Read from the below link for more details
http://immigrationvoice.org/forum/2243885-post2.html (Support Thread for "I485 filing w/o Curr. PD" initiative)
Required Yes Votes : 5000
Read from the below link for more details
http://immigrationvoice.org/forum/2243885-post2.html (Support Thread for "I485 filing w/o Curr. PD" initiative)
garamchai3go
05-19 09:41 PM
I am having the same issue - waited for 4 years because of namecheck/visa number etc. Did anyone do anything about it, can we do something about it. Please make this thread active and share your ideas.
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