Filed under: Immigration
The USCIS issued instructions
(PDF 32.7KB) August 6, 2009 on how to follow up on cases pending at the USCIS service centers. These instructions should be followed by individuals and organizations inquiring about timelines and generic information. One should NOT rely on general information from the government for legal options, analysis of a particular situation, or advice on how to proceed in a particular immigration case.
First Step : Call NCSC’s Toll-Free Number
The first step in the instructions is to call the National Customer Service Center (NCSC) at their phone number (1.800.375.5283). It is necessary to have the USCIS receipt number and other case-related, identifying information in order to make such inquiries.
It is suggested that one keep the name and/or ID number of the person with whom s/he speaks, as well as the date and time of the call. One should also keep any service request referral number, if there is action taken on the case.
Second Step : eMail Service Center after 30 days
If the NCSC has not been able to resolve the particular matter within 30 days, then it is possible to send an eMail to the service center that has the case. In order to use the eMail service, it is necessary to have the information regarding the initial call to the NCSC; that is, the name and/or ID number of the representative, date and time of the call, and the service request referral number. If no service referral was made, it is necessary to indicate why the NCSC did not take this action.
The eMail addresses for this purpose are as follows:
California Service Center : csc-ncsc-followup@dhs.gov
Vermont Service Center : vsc.ncscfollowup@dhs.gov
Nebraska Service Center : ncscfollowup.nsc@dhs.gov
Texas Service Center : tsc.ncscfollowup@dhs.gov
Third Step : eMail to USCIS Headquarters
If there is still no resolution in the case after 21 days of sending the eMail described in step two, it is possible to eMail the USCIS Headquarters Office of Service Center Operations. This eMail address is SCOPSSCATA@dhs.gov. The USCIS promises a response to these inquiries within ten days.
Conclusion : General Information No Substitute for Legal Advice
Potentially, the case follow-up procedures can be helpful for many situations. Each step requires a waiting time, however. In some situations, such as case denials with time-sensitive deadlines, it is not advisable to wait for NCSC action. There are deadlines (often only 30 days and sometimes 15 days) for challenging certain USCIS decisions. If a case is denied, or if one encounters serious problems otherwise, it is necessary to obtain proper legal advice and not assume that a call to the NCSC is all that is needed.
It should be noted that calls to the NCSC are answered by individuals who provide general immigration information based on scripts. Responses to one’s inquiry should be considered only as a general guideline, and not as a substitute for proper legal advice. We at the Murthy Law Firm sometimes speak with individuals who wish to make an immigration filing, because they think that the NCSC told them they could do so. They may have been told that, in order to do what they wish to do, it is necessary to file a certain form. However, NCSC does not evaluate whether one is legally eligible to file, whether it is the correct procedure for that individual or family, or if other considerations exist that may completely change the equation. Speaking with a knowledgeable lawyer for case-specific, individualized advice as to one’s immigration options is a safer and, actually, much less expensive option in the long run. The NCSC should be used for case follow up and general immigration information only.
Filed under: Finance
You have to be more aggressive with Comcast. Here’s how you start the conversation about lowering the price: "Hi. I’m calling to cancel my service." It’s not like doing that with the gas company or something where they just shrug and say "OK, we’ll have it disconnected in a couple days and send you your final bill soon afterward." No. They turn you over to the Retention department. They act like a desperate, clingy lover that you’re trying to break up with. "Why do you want to leave us? [sob] I thought everything was going great. Is there anything I can do to get you to stay?" It’s hilarious. At that point it’s not time to say "it’s not you; it’s me." Instead, say "my rates have risen to a level where the service is not worth it to me. Also, FiOS is available where I live now, and they’re making some very attractive offers." They’ll definitely make you a new offer. Ask "is that the best you can do?" Finally, "OK, you’ve given me something to consider. Which number should I call back after talking to Verizon?"
Worst case scenario is they call your bluff and you go with fiber optic service, which you were considering doing anyway.
Filed under: Career, Development, Life, Management, Personal Development, Work
Good nuggets from a well written post
You’ll always find yourself in situations where you’re never “paid back” for what you give. But even in those cases, I find a surprising result – there’s usually a positive payback, but it’s really indirect.
I can associate very well to this, as in my current NGPA project, I am not well rewarded with respect to money. However, I go beyond my specified duties and make/made sure people using it had no blocking issues / concerns and that earned me a very nice name and trust in the organization.
So, if you can help someone out without disadvantaging yourself, do it. That means sharing ideas, making connections, and doing little tasks that don’t eat up tons of your time and energy. Don’t worry about the return – if you do it often enough and with enough quality and value, the return will take care of itself.
More than anything in return it makes you a better person. Relevant comment …
I believe, aside from the paybacks, that habitually helping other people helps you by making you a better person. When you help others you become more patient, generous and selfless. When you only look out for yourself you tend to become narcissistic. People who are completely focused on themselves tend to self-destruct, sooner or later.
Filed under: Uncategorized
Being a leader is not about abilities, its about responsibilities. Its not taking responsibility for success, but taking responsibility for failure.
Nice post:
To Generate Income In Early Retirement
As outlined in this previous post about One Way To Track Your Progress Towards Financial Independence, you can say you’ve reached financial independence when your “passive” investment income equals your monthly expenses (”crossover point”):
The above chart was taken from the Your Money or Your Life, which also says the best way to generate income is by purchasing 30-year Treasury Bonds. But there are a variety of other ways that retirees generate income for retirement. Each one has their own pros and cons.
High-Grade Bonds or Certificates
U.S. Treasury bonds are a very safe and reliable way to generate regular income, as it is guaranteed by the U.S. government and they are very liquid. A similar situation results you invest in bank CDs or other investment-grade corporate or municipal bonds. The primary drawbacks are lower returns, especially relative to inflation. The 30-year bond is currently yielding somewhere around 4.5%. The current real (above inflation) yield for a 20-year TIPS (inflation-indexed bond) is only about 2.20%.
This means that if you want both the highest safety and you wish to only live off the interest of your money without ever touching the principal, you can only withdraw about 2.2% each year. That’s only $183 per month for each $100,000.
60/40 Asset Allocation with 4% Safe Withdrawal Rate
Although there is still much ongoing debate, the “4% rule” is based on on research by William Bergen:
William Bengen, a U.S. researcher, has back-tested a 4% withdrawal rate with a balanced portfolio of U.S. stocks and government bonds earning overall market returns and found that you would have been able to safely withdraw 4% of your portfolio over any 30-year period since 1926. [source]
The general idea is that if you have a portfolio with an asset allocation of 60% stocks/40% bonds, you can withdraw 4% of the portfolio each year with only a small chance of running out of money somewhere down the line. A 4% withdrawal rate would be $333/month for each $100,000. However, your portfolio will experience wilder swings, and this rigid method is very sensitive to the returns in the first years of retirement. If you have a bad decade upfront, your chance of going broke rises quickly.
Income-Focused Mutual Funds
These are mutual funds who primary objective is not growth, but to create a stable income stream from a combination of stock dividends and bond interest. The secondary objective is some capital appreciation, which ideally will help the income stream to keep up with inflation.
A passive index fund example is the Vanguard Target Retirement Income Fund (VTINX), which is currently yielding 4.05%. A popular actively-managed example is the Vanguard Wellesley Income Fund (VWINX), which is currently yielding 4.71%. Both of these funds hold roughly 35% in stocks/65% in bonds. Wellesley has been around since 1929, and many retirees swear by the reliable income it produces.
Managed Payout Mutual Funds
A new breed of mutual funds actually adjusts to help you spend your money as fast as you like. You choose how fast you wish to withdraw your money (3%? 5%? 7%?), and the fund does it’s best to accommodate that without going broke. Vanguard has their Managed Payout Funds, and Fidelity has their Income Replacement Funds.
These funds help you create regular monthly payments like an annuity, but still include risk from the stock market. They are also very new and could be seen as unproven.
Individual Dividend Stocks
I know of several retirees who manage their own portfolios of individual stocks. These people accumulate shares in companies with a history of reliable stock dividends, like General Electric and Coca-Cola, and live off the dividends. An ETF of top dividend producers, DVY, currently yields 5.14%.
I would be wary though that the share value of these stocks can vary widely without the cushion of bonds. DVY has dropped by over 20% so far this year, which is indicative of many similar dividend stocks.
Income Annuity
With a simple version of an immediate annuity, you hand over a lump-sum upfront in return for fixed income payments for life. Of course, if you die early then you don’t get your lump sum back. However, you could live until 110. It’s almost like life insurance in reverse. A special risk here is that your insurance company must stay solvent the entire time, so you must check credit ratings.
I went to ImmediateAnnuities.com and looked into a Joint Annuity, where the income payments keep coming as long as one of us are alive. A rough quote for a 40-year old says that each $100,000 paid will get me about $450 a month. That is the same as saying I can earn 5.4% interest forever, but remember that I lose the principal. Of course, this value goes up with age. For a 60-year old couple, you can get 6.4% forever. At age 70, you can get 7.5% forever.
How much income will a million bucks get you?
Based on these numbers, with $1,000,000 one could get anywhere from $1,830 a month (very little risk, no principal loss) to $5,833 per month (fixed annuity at age 65, all principal is given up). I’d probably end up going with something in between, but it is food for thought.
