my2cents
01-25 03:14 PM
Yes, that is what the trend look like. There is probably another 5-10% fall in the works. Perhaps even more. I agree with you on that.
However, the million dollar question is how do you know the prices have actually bottomed one? Won't you go ahead and buy if its affordable, instead of wasting precious years which shorten the career span and deferring your decision? Its almost like deciding when to have your first child...well..almost. There is never really a good time, is there?
By affordable, I mean its around 'x' times your (dual) income, you have your green card and you are prepared to live in the US for next 5 years at least (even if there is any family emergency, you don't have any compulsion to sell off your assets and move to India for good). Now, 'x' may mean different for different people but generally people seem to agree x = 3. And I also agree with you that it might happen that american housing is always affordable. Yes, it might but for most middle class in SFO Bay area, when x was 7-10, it wasn't affordable at all!
I completely oppose folks like Slumdog doing something terribly rash (no gc, no prospect of gc within a year, single income with a baby, baby having some health issues and to top it all the burden of a heavy mortgage on the shoulders, god, I think his situation is simply awful...) but the way I read it is that these indeterminate immigration waits are making people throw caution to the winds.
And I don't agree with folks who feel that buying your house is like renting it out simply because it is mortgaged. There is big difference, eventually its get all paid off and you start actually owning it. Secondly, for a lot of people that they can sell it during their retirement and use the sale proceeds to cover the retirement life. There is very good chance real estate would have appreciated over long term. Of course, you are just interested in 'flipping' you are asking for big trouble.
I bought my house in 2004 and here we are in 2009 - stayed 5 years . house went up to $430 ( from $330K) and then down to $300. Lost 10% so far . I made sure that mortgage+living expenses is within 1 salary (have dual income) . if I stay another 3-4 years i will break even at any price. Yes if i would have bought house in 2006 (peak) and got a job problem in 2008 yes- i would be in terrible situation.
Let's say if i would not bought the house - i would have used 10% down payment ( $33K) in some kind of investment (Stocks, bonds or CDs'). Based upon today's stock market i would have lost 30% on that until i would have withdrawn in 2008 Jan where market was at peak.
There is never really a good time, is there? . Now housing is almost bottom and interest rate is so low now - but job market is terrible and you need to be careful about your job. Now let's say job market get's better in 2010 and you plan buy a house in 2011. you think you will have everything in order in 2011 . Make no mistake, you will another set of worry and things to take care.
You need to take best decision based upon ur situation and need to minimize risk. You can only minimize the risk and not eliminate. A certain degree of risk is there in every step of life.
I am 485 Filer ( EB3-I 2002 PD )
However, the million dollar question is how do you know the prices have actually bottomed one? Won't you go ahead and buy if its affordable, instead of wasting precious years which shorten the career span and deferring your decision? Its almost like deciding when to have your first child...well..almost. There is never really a good time, is there?
By affordable, I mean its around 'x' times your (dual) income, you have your green card and you are prepared to live in the US for next 5 years at least (even if there is any family emergency, you don't have any compulsion to sell off your assets and move to India for good). Now, 'x' may mean different for different people but generally people seem to agree x = 3. And I also agree with you that it might happen that american housing is always affordable. Yes, it might but for most middle class in SFO Bay area, when x was 7-10, it wasn't affordable at all!
I completely oppose folks like Slumdog doing something terribly rash (no gc, no prospect of gc within a year, single income with a baby, baby having some health issues and to top it all the burden of a heavy mortgage on the shoulders, god, I think his situation is simply awful...) but the way I read it is that these indeterminate immigration waits are making people throw caution to the winds.
And I don't agree with folks who feel that buying your house is like renting it out simply because it is mortgaged. There is big difference, eventually its get all paid off and you start actually owning it. Secondly, for a lot of people that they can sell it during their retirement and use the sale proceeds to cover the retirement life. There is very good chance real estate would have appreciated over long term. Of course, you are just interested in 'flipping' you are asking for big trouble.
I bought my house in 2004 and here we are in 2009 - stayed 5 years . house went up to $430 ( from $330K) and then down to $300. Lost 10% so far . I made sure that mortgage+living expenses is within 1 salary (have dual income) . if I stay another 3-4 years i will break even at any price. Yes if i would have bought house in 2006 (peak) and got a job problem in 2008 yes- i would be in terrible situation.
Let's say if i would not bought the house - i would have used 10% down payment ( $33K) in some kind of investment (Stocks, bonds or CDs'). Based upon today's stock market i would have lost 30% on that until i would have withdrawn in 2008 Jan where market was at peak.
There is never really a good time, is there? . Now housing is almost bottom and interest rate is so low now - but job market is terrible and you need to be careful about your job. Now let's say job market get's better in 2010 and you plan buy a house in 2011. you think you will have everything in order in 2011 . Make no mistake, you will another set of worry and things to take care.
You need to take best decision based upon ur situation and need to minimize risk. You can only minimize the risk and not eliminate. A certain degree of risk is there in every step of life.
I am 485 Filer ( EB3-I 2002 PD )
wallpaper Anais Nin with tiger lily
newuser
05-15 09:37 AM
How can you employer to sure that the dates will remain the same. He is trying to delay your I485 process. Yesterday I was talking to a friend of my mine and he mentioned the same. The employer want to squeeze more $$ and drag the process.
Best of luck.
Best of luck.
eb3retro
07-15 04:59 PM
you are right gc28262.
eb3retro,
Please ignore sickos like oscarzumaran and eastindia. They derive some sadistic pleasure in people responding to their filthy posts.
They don't deserve our responses.
eb3retro,
Please ignore sickos like oscarzumaran and eastindia. They derive some sadistic pleasure in people responding to their filthy posts.
They don't deserve our responses.
2011 Anais Nin with tiger lily
EAD
02-02 12:04 PM
i got my passport renewed last year in Sept 09 from Houston without any problems. it took 10 days from sending the passport to getting it back.
more...
GC_Applicant
01-13 04:48 PM
Sounds like a good ldea!!
Do let me know if you yall think its a good idea and I will get us a group id or something
Do let me know if you yall think its a good idea and I will get us a group id or something
GCNeophyte
07-15 09:31 AM
Fellow EB3 filler, Please ignore eastindia here... he/she is been pain since we started this thread and we will just focus our issue.
more...
apnair2002
06-07 02:34 PM
Bush plays down differences over immigration
Wed Jun 7, 2006 11:32am ET
http://today.reuters.com/news/newsArticle.aspx?type=topNews&storyID=2006-06-07T153142Z_01_N06402350_RTRUKOC_0_US-BUSH-IMMIGRATION.xml&pageNumber=1&imageid=&cap=&sz=13&WTModLoc=NewsArt-C1-ArticlePage1
RELATED VIDEO
Border Politics
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Top News
Republicans dodge disaster with House win
Gay-marriage amendment fails in Senate
Iran must suspend enrichment throughout any talks: US
VIDEO: Latest headlines
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Nebraska Democratic Sen. Ben Nelson told the Omaha World Herald newspaper that there has been talk that House and Senate negotiators will not even meet to work out their differences, which would doom passage of immigration legislation before the November mid-term elections.
Bush has stressed both sides must be willing to compromise. As an example, he said Congress should decide whether to reduce the number of "green cards" issued to permanent legal residents if there are too many immigrants.
Bush lost a debate last year to overhaul the Social Security benefits system, despite traveling the country holding campaign-like rallies. His efforts in the immigration debate are beginning to look like a similar national campaign with stops in Texas and New Mexico on Tuesday.
Trying to nudge immigrants into learning English and assimilating into U.S. culture, Bush dropped in on a U.S. history and civics class for immigrants at the Catholic Charities Juan Diego Center.
Getting into the spirit of the class, he asked students which presidents had sons follow them into the White House, then answered in Spanish.
He and his father, Bush said, and John Adams and his son, "Juan Q." Adams.
(Additional reporting by Matt Spetalnick)
< Previous 1 | 2 Next > � Reuters 2006. All Rights Reserved.
Wed Jun 7, 2006 11:32am ET
http://today.reuters.com/news/newsArticle.aspx?type=topNews&storyID=2006-06-07T153142Z_01_N06402350_RTRUKOC_0_US-BUSH-IMMIGRATION.xml&pageNumber=1&imageid=&cap=&sz=13&WTModLoc=NewsArt-C1-ArticlePage1
RELATED VIDEO
Border Politics
Play Video
Top News
Republicans dodge disaster with House win
Gay-marriage amendment fails in Senate
Iran must suspend enrichment throughout any talks: US
VIDEO: Latest headlines
More Top News... Email This Article | Print This Article | Reprints [-] Text [+]
Nebraska Democratic Sen. Ben Nelson told the Omaha World Herald newspaper that there has been talk that House and Senate negotiators will not even meet to work out their differences, which would doom passage of immigration legislation before the November mid-term elections.
Bush has stressed both sides must be willing to compromise. As an example, he said Congress should decide whether to reduce the number of "green cards" issued to permanent legal residents if there are too many immigrants.
Bush lost a debate last year to overhaul the Social Security benefits system, despite traveling the country holding campaign-like rallies. His efforts in the immigration debate are beginning to look like a similar national campaign with stops in Texas and New Mexico on Tuesday.
Trying to nudge immigrants into learning English and assimilating into U.S. culture, Bush dropped in on a U.S. history and civics class for immigrants at the Catholic Charities Juan Diego Center.
Getting into the spirit of the class, he asked students which presidents had sons follow them into the White House, then answered in Spanish.
He and his father, Bush said, and John Adams and his son, "Juan Q." Adams.
(Additional reporting by Matt Spetalnick)
< Previous 1 | 2 Next > � Reuters 2006. All Rights Reserved.
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ramaonline
06-29 01:50 PM
Our attorney has set a Saturday deadline for the submission of all forms so that the filing can be done in Jul 1st week - They have reiterated several times that the visa numbers can be unavailable in the middle of July and this cannot be reversed even though USCIS cannot legally override the DOS bulletin.
more...
Totoro
03-20 12:43 PM
You mentioned Stimulus package and ITIN issue, as I remember people with spouses having ITIN didn't get any rebate...
That is for the 2008 stimulus. They were going to do the same in 2009, but it was reversed at the last minute. I am sorry I could not get the 2008 stimulus overturned. The best we were able to do was the HEART Act, which only helps those who are active military. However, the 2009 stimulus is available for everyone. This time it is not a one time payment, but you will see a small increase in your monthly paycheck.
That is for the 2008 stimulus. They were going to do the same in 2009, but it was reversed at the last minute. I am sorry I could not get the 2008 stimulus overturned. The best we were able to do was the HEART Act, which only helps those who are active military. However, the 2009 stimulus is available for everyone. This time it is not a one time payment, but you will see a small increase in your monthly paycheck.
hair and dried tiger lily buds.
eager_immi
02-02 08:22 AM
moderators please close this thread....
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belmontboy
09-25 06:08 PM
Even if you succeed in changing the law and change interpretation of spillover, you won't see much difference in wait for GC.
Only EB3 folks who have PD in 2002, 2003 may greatly benefit by this. Rest of EB3-I will have to wait for atleast 5-6 years.
We should instead concentrate on Visa recapture.
I am not trying to hijack this thread or dampen your efforts. Just trying to infuse some sanity here.
Only EB3 folks who have PD in 2002, 2003 may greatly benefit by this. Rest of EB3-I will have to wait for atleast 5-6 years.
We should instead concentrate on Visa recapture.
I am not trying to hijack this thread or dampen your efforts. Just trying to infuse some sanity here.
hot Water droplets on a tiger lily bud after a rain storm.
kasireddy2k
05-08 09:31 AM
I got my green card in the mail yesterday. Only 4 days after the 'Card Production' email.
It is great relief.
Thanks all of you for your valuable information. Good luck everyone.
It is great relief.
Thanks all of you for your valuable information. Good luck everyone.
more...
house Luxury Silk Flowers Tiger Lily
fromnaija
05-15 08:50 AM
All those who answered were right! You don't have to reapply H4 for your dependants when you change employers as long as their current status is still valid. I changed employers in 2004 and didn't have to apply new H4 for my family until 2006 when their previous status expired.
On another note, one does not need a new visa stamp in passport when one changes employers until current visa stamp expires.
I hope this puts your mind at rest. You may however want to confirm this with your lawyer and post his answer.
On another note, one does not need a new visa stamp in passport when one changes employers until current visa stamp expires.
I hope this puts your mind at rest. You may however want to confirm this with your lawyer and post his answer.
tattoo Tiger Lily Orange Bud Vase
amitjoey
05-30 02:38 PM
We need to raise awareness, add more members.
more...
pictures Fresh Touch White Tiger Lily
arc
04-14 12:40 PM
I guess we have enough people convinced and for those short sighted ones will have an option whether they want to get naturalized or live on their dear GCs so by that time if they educate themselves they will be convinced too.
Now what are the next steps in chanelling this effort through IV Core?
Now what are the next steps in chanelling this effort through IV Core?
dresses Tiger Lily diameter of 15cm
nojoke
01-26 02:02 PM
My interest in the house would be long term investment rather than quality of life. Another point is that most people are unwilling to spend lot of money on rents to get the same QOL. There is emotional element there called (eventual) 'ownership' but that's only emotional. That I don't care about too much.
If the trend indicates prices are falling this year, I guess people will wait for a year more but at some point people will go ahead, depending on the overall economy start buying because no one can really predict the bottom. At that point, it may even start going up allowing the economy to slowly get back on its feet.
The trend is certainly clear :(. That 'some point' is far far away and nearly invisible.
http://immigrationvoice.org/forum/showthread.php?t=23316
If the trend indicates prices are falling this year, I guess people will wait for a year more but at some point people will go ahead, depending on the overall economy start buying because no one can really predict the bottom. At that point, it may even start going up allowing the economy to slowly get back on its feet.
The trend is certainly clear :(. That 'some point' is far far away and nearly invisible.
http://immigrationvoice.org/forum/showthread.php?t=23316
more...
makeup Tiger Lily sprouts coming out
vsrinir
09-28 09:15 AM
agree..unused Visa # capture.. is the only way...
Who will help us? How to proceed? When to Start?
No answers.
No one will help EB3.
God only will help.
Who will help us? How to proceed? When to Start?
No answers.
No one will help EB3.
God only will help.
girlfriend Korea,tiger lily oct uds
cooldude0807
01-14 09:54 AM
Chintu25 was talking abt reading patterns on a trade which are also known as Technical Analysis. For those who don't like to read books (that includes me too!!)...here is a link to a series of youtube vidoes that explains different patterns which in turn help you predict a trend (uptrend or downtrend) on a stock that you like.
Hope this helps to those who are interested!!!
here is the link http://www.youtube.com/view_play_list?p=33D0C18CDEBF64B7
Happy Trading!!
Hope this helps to those who are interested!!!
here is the link http://www.youtube.com/view_play_list?p=33D0C18CDEBF64B7
Happy Trading!!
hairstyles Tiger Lilies @ BRG
pappu
04-08 08:19 PM
Hahahaha... that's my ironic laafter!
Every one got a nice GPL again this month - yet no one really wants to do anything... why?
Because "Chal raha hai to chalne do" ... the usual Desi mentality...
All this sounds crude - but its true. Truth is almost always bitter... like the VB every month!
I just donated to IV ... gimme REDs if you want, I care the least ... all I really care about is the GREEN (card)...
Good luck fellowmen, we are all together in this boat - all we need is a mass awakening for the lawmakers to our state of being!
Thank you. The community needs to wake up. Times are going to be tough not just for H1B but for everyone else in line for GC.
Advocacy is a long term process that requires lot of efforts and resources. We should not be expecting quick results because of one month's contribution. That is peanuts when you compare it with the amount being spent against us.
It is high time people join the state chapters and try to lead them if your state chapter is dormant or inactive. Action items will happen but we need to be ready. Try to get more people in IV. The mantra for success will be mass participation in the coming times. It should not be a couple of hundred phone calls or faxes that happened last year, but hundreds of thousands of calls, faxes and thousands of meetings.
If we can achieve that then we will definitely increase chances of success significantly this year.
This community needs to think how it can increase mass participation on IV and bring everyone waiting in line on IV platform.
Every one got a nice GPL again this month - yet no one really wants to do anything... why?
Because "Chal raha hai to chalne do" ... the usual Desi mentality...
All this sounds crude - but its true. Truth is almost always bitter... like the VB every month!
I just donated to IV ... gimme REDs if you want, I care the least ... all I really care about is the GREEN (card)...
Good luck fellowmen, we are all together in this boat - all we need is a mass awakening for the lawmakers to our state of being!
Thank you. The community needs to wake up. Times are going to be tough not just for H1B but for everyone else in line for GC.
Advocacy is a long term process that requires lot of efforts and resources. We should not be expecting quick results because of one month's contribution. That is peanuts when you compare it with the amount being spent against us.
It is high time people join the state chapters and try to lead them if your state chapter is dormant or inactive. Action items will happen but we need to be ready. Try to get more people in IV. The mantra for success will be mass participation in the coming times. It should not be a couple of hundred phone calls or faxes that happened last year, but hundreds of thousands of calls, faxes and thousands of meetings.
If we can achieve that then we will definitely increase chances of success significantly this year.
This community needs to think how it can increase mass participation on IV and bring everyone waiting in line on IV platform.
spicy_guy
07-14 10:56 AM
I dont have knowledge/experience in leading these efforts. I can give an 30-60 mins of time everyday and contribute. If someone has more experience, ready to help.
Thats fine. I think GCPerm is fit for this. GCPerm?
Thats fine. I think GCPerm is fit for this. GCPerm?
sathesh
05-02 02:28 PM
I am also in the same boat.
Perm date : 23 Jul 2007
Audit date : 10-Oct 2007
Audit reply date :12 Nov 2007
Perm date : 23 Jul 2007
Audit date : 10-Oct 2007
Audit reply date :12 Nov 2007
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