USCIS Marriage Green Card Forms: What Is the Purpose of Each Form?

Filing for a Marriage based Green Card is hard work. It would not be so difficult if the process were not so confusing.

While completing each question on each form and attaching dozens of items of evidence, it's easy to get lost in the details, and not what to do next.

You might think to yourself "What the heck am I doing this for anyway …?"

Below is a break down of the purpose of each and every form you need to send to the USCIS for your Marriage Green Card application.

Here's a short and sweet summery of the goal of each form. This is what each form means to the USCIS …)

REQUIRED FORMS

I-130: Dear USCIS I'm a US Citizen and I want my foreign-born spouse to live with me in America. Here is all our information and extensive proof of our marriage.

G-325A: Again, here is my biographic info.

I-485: I'm the spouse (or finance (e) of a US citizen. I want to live in America with my my spouse. Here is all my biographic information.

I-864 : I make enough money to financially support my foreign-born spouse. ie my income exccedes the poverty line of the current year and I have a stable job. Therefore my spouse will never need government assistance such as "well fare" etc. Here's proof. (If your income is less than required, there are other options available on Form I-864 – and form I-864A if necessary – such as using your assets –property, investments, etc. or using a co-sponsor or joint sponsor ).

I-693: I, the foreign spouse, went to a USCIS appointed doctor … and I don't have any contagious diseases, So you can safely let me live in America with my US citizen spouse.

OPTIONAL FORMS

I-765: I want to work in America while my application is being processed –here's my info.

I-131: I want to travel outside of America while my application is being processed –here's my info (and here's why).

* It's recommended that you submit both optional forms list above. Even if you think you might not need them, you may change your mind. They are free to file and the I-765 is also useful as a form of ID
If you are currently applying for a Marriage based Green Card, print out these shot summaries. Keep them on your desk for reference. It will help keep you focused on the big picture and make the process less confusing.

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Making Money From Credit Card Debt – Where to Find Credit Card Debts Available For Sale

The current economic crisis has created a situation where making money from credit card debt is actually an excellent business opportunity.

The following statistics illustrate the magnitude of the problem and potential opportunity. Innovest Strategic Value Advisors, a research company, reports credit card charge-offs were $22.6 billion for all of 2007. That figure rose to $76.9 billion in 2008 and $93.1 billion in 2009.

However, to profit from such a business opportunity you first have to know where you can buy credit card debts and there are three (3) main sources where you can purchase credit card debts:

1. The Government

2. Banks

3. Loan Brokers

Let’s take a brief look at each source.

1. The Government

You can purchase loans from the FDIC (Federal Deposit Insurance Company). Loans for sale are advertised directly on their website. The information that is displayed includes the:

~ Type of loan, e.g. commercial, industrial or consumer,

~ Source of the loan, i.e. the financial institution where the loan came from,

~ Aggregate face value of the loan,

~ Average balance of each loan,

~ Status of the loan, i.e. performing or non-performing,

~ Period of time allocated for review,

~ Bid day,

~ Date by which successful bidder has to pay for the loans.

It’s clear to see the importance of this information but this is still just scrapping the surface when it comes to the analysis you should perform on each loan to make a decision as to whether or not you want to submit a bid for the loans and how much you want to place your bid for.

2. Banks

You can also purchase loans direct from your local bank and by this I don’t mean a local branch of a national bank. The manager of the latter would not have sufficient flexibility or clout to be able to negotiate the sale of any failed loans that they might have. However, with a small, local bank, if you approached your bank in the right manner, an offer to purchase failed loans which the bank has had to charge-off, could seem quite lucrative. Bill Bartmann goes through a very detailed, step-by-step procedure as to how to approach a local back with a view to purchase their delinquent loans in his book best-selling book Bailout Riches: How Everyday Investors Can Make a Fortune Buying Bad Loans for Pennies on the Dollar.

3. Loan Brokers

Purchasing loans from a loan broker can be more expensive but loan brokers segment their loans more and so the profiles of the package of loans that they put together are more similar. And if you’re just starting out in the debt collection business then you’re likely to have greater success if you narrow your focus and not consider loans of a broad spectrum. You’ll probably also find that you’re able to make a profit faster when you take this approach.

One example of a loan broker is the NLEX (National Loan Exchange Inc). It is the “leading …

Important Issues For Green Card Holders to Remember and Consider When Traveling

Clients who are Green Card holders (i.e. permanent residents) frequently ask me about issues they need to be aware of when traveling internationally, outside of the United States.

Here are some things to consider to minimize the potential for problems at the border. After a long intercontinental flight, nobody wants to find themselves in a position of being subjected to lengthy questioning by CBP officers at the airport. Particularly in situations where the Green Card holder has spent significant time (more than 6 months, typically) outside the U.S., there are potential pitfalls one needs to be aware of – or risk losing the highly-prized Green Card. CBP, interestingly enough, in its operations manual, has some good guidance on what immigration inspectors are to consider when inspecting Green Card residents seeking re-admission into the U.S.

Admission, generally The CBP officer shall admit a resident alien returning to an unrelinquished domicile, if not otherwise inadmissible, upon presentation of an unexpired Green Card (I-551), a reentry permit, refugee travel document (indicating lawful permanent residence), or temporary evidence of LPR status such as an Travel Statmp (or ADIT stamp).

A returning resident alien is not required to present a valid passport for reentry into the U.S., although most will have one, since a passport is often required for entry into a foreign country. When presented, the passport is normally annotated with “ARC”, and the alien’s “A” number should be written on the page with the admission stamp.

Admission after prolonged absences A Green Card holder, who has been outside the United States for more than one year (two, if presenting a reentry permit), may be seen by CBP to possibly have abandoned residence. Other indicators of possible abandonment of residence are:

(1) employment abroad,

(2) having immediate family members who are not permanent residents,

(3) arrival on a charter flight where most passengers are non-residents with return passage,

(4) lack of a fixed address in the U.S., or

(5) frequent prolonged absences from the United States.

In questionable cases, it is appropriate for CBP to ask for other documentation to substantiate residence, such as driver’s licenses and employer identification cards.

Green Card holder without Green Card? Lawful permanent residents (LPR) lacking evidence of alien registration because it has been left at home or in a safety deposit box, may obtain from CBP a visa waiver, with fee, or defer the inspection to another CBP office local to the Resident’s home in the U.S.

If the LPR claims the card has been lost or stolen, the POE may accept a Form I-90, Application to Replace Permanent Resident Card, with fee. These actions may be considered once the identity of the LPR has been confirmed, preferably by checking against the data contained in the CBP computer systems.

A LPR requesting a visa waiver must complete a Form I-193, Application for Waiver of Visa or Passport, if otherwise admissible. The applicant requesting the waiver is to review the information recorded on the printed form for accuracy and …

Business Ethics Case Study; Unbelievable Government Credit Card Abuse

In business management classes across the country MBA students study business ethics. In fact, there are now MBA degrees available that are called Ethics MBAs. But in the real world how ethical is the business community? How ethical is our own government?

How many business travelers for their corporations charge personal items to their credit cards of their corporations? Corporations watch this very closely to make sure everyone follows the rules. Not everyone follows the rules and often there are people who go to extreme lengths to hide their misdeeds.

From a business ethics standpoint corporations and their workers are much more honest and forthright than those who work in government. In fact government credit card abuse at all levels of government is at an all-time high. It is so bad that the federal government actually had to make another law to try to curb the abuse of government credit cards. Has this new law helped?

Actually it looks as if it has on paper audits but in reality those fine folks in government still abuse their government credit cards, which is taxpayers money. The problem is so severe and the punishment so little that nothing is really being done. That is to say the problem is running rampant still.

Simply instituting controls and checks and balances on government credit cards does not alleviate the fraud. Dishonesty in government is the norm and although many people believe that those who work in government are of less IQ they are still clever enough to beat the system and steal taxpayers money.

From an MBA standpoint of fiscal management this is a good case study. A piece of corporate credit cards or government credit cards must be followed up on. It is essential to make sure that the purchase is made by government employees are indeed for a facial government business and not personal pleasure; such as gentlemen's clubs, personal car washes or a dinner for a family of four for personal use.

It appears we cannot trust those fine folks in government and it is about time that we enforced the letter of the law on to the government and the workers who think they are above it. Consider this in 2006.

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Credit Debt Bailouts – How To Legally Never Pay Back Your Credit Card Debts

Credit debt bailouts are extricating credit card debtors from ultimate failure which they are facing in the shape of drowning in the pools of unsecured liabilities through their bankruptcy. Credit debt bailouts are rescuing not only credit card companies but also debtors because both futures are associated with each other. If debtors fail in meeting with their financial commitments i.e. repayment of unsecured debt than financially disturbed creditors cannot bear such disruption and they may have to move towards foreclosures.

Foreclosures of creditors i.e. credit card companies will certainly negatively impact over the confidence of national and international investors on the financial system and they suck out their billions of dollars investment from it. The federal government doesn’t want this situation to be happened because it will create panic and may collapse whole financial system that’s why it is offering credit debt bailouts.

Credit debt bailouts are actually stimulus packages for creditors through which they can strengthen their financially disturbed situation. On the basis of credit debt bailouts several debt relief programs are being offered for credit card debtors. These debt relief programs are pursuing only one single aim i.e. enabling debtors through different means to get rid of their massive unsecured liabilities.

Among several beneficial debt relief options, the debt settlement which is also known as debt negotiation enables debtors to legally never pay back their credit card debts. Through this program debtors can engage creditors in negotiation process. This negotiation process will results in reduction in more than 50 percent of unsecured liabilities and you will never asked to pay back such forgiven amount. Debtors cannot compare this program with other debt relief options because it has an edge over them on in other words it is constantly outperforming other debt relief options through its beneficial features.

Credit debt bailouts are best offered in the shape of debt settlement program because through this program not only unsecured, unbearable and massive liabilities could be eliminated but also the stabilization in the financial matters of debtors is obvious.

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What Benefits Do I Get with a Metis Status Card?

With the news that Metis are considered by the Canadian government in the same way as First Nations and Inuit people, everyone wants to know what benefits the Metis get. People who suspect they are “part Indian” want to find out for sure and get their Metis Status card, but there is so much conflicting information, it’s hard to find the right answers.

Pride

Getting Metis Status is a way of showing pride for your ancestors and their hard work in the beginning of the first economy of North America, that of the fur trade. Considering that it’s the Native women who did most of the work, it’s time we all honor our great grandmothers and the sacrifices they made for all our benefit.

Community

Metis Status gives access and fellowship to our extended kinship community. Because Metis groups can only apply for government funding based on the membership of their registry, getting a Metis Status card helps our communities in so many ways. Without membership, Metis communities will not get funds. Every person who stands up and gets their Metis Status card helps to build what was lost during generations of hiding our identity.

Because most of the fur traders were French, their unions with Native women represent a majority of Metis in North America. Most people who grew up in a French Canadian town or village don’t even realize how much of their culture is actually Metis, nor that they have fur traders in their ancestry, nor how many people in their community descend from Native Americans. Getting a card with the organization that represents your type of ancestry is not like being in a club, it’s about being part of a family and community.

Getting a Metis Status card means your genealogy has been verified to be true and accurate. It is proof that you actually are “part Indian”. Which card you have describes the cultural community you belong to.

Programs

Social programs are varied and can include health programs, health studies for particular hereditary diseases, cultural learning programs, assistance programs, cultural and heritage workshops, improvement incentives, work programs, help with housing, family programs (baby wellness, family counselling, etc) preservation of heritage and culture, etc. Funding for programs depends on agreements with Canadian government and the numbers of registered members of an organization.

Representation and Rights

Some groups would like harvesting rights, hunting or fishing rights, or even the access to harvest plant material. Rights to any of these are determined by agreements signed between the government and the individual organization. There are many different organizations that represent many different groups of Metis. Being Metis or having a card does not entitle you to automatic rights. Standing up and being counted by getting a Status card better helps these groups negotiate rights on your behalf. So right now, you cannot go hunting or fishing just because you have a Metis card, unless your group tells you there are agreements to do so, and the way in which …

The Pro Set Border Less Trading Card Design Of 1991 Used By Topps Shut Down Pro Set

I was doing some research on another article concerning Nascar Pro Set racing cards of the 1990’s and an old thought came back about “border less” sports trading cards. Of course “Mothers Cookies” produced the first all border less cards as inserts into their cookie bags but they were just as stated, “Inserts” and not full trading card production runs. If I remember correctly Pro Set was the first to release border less trading cards in 1991 followed by Topps “Stadium Club”.

The Nascar racing season begins in late January and Major League baseball starts in early April. The Pro Set’s 1991 border less Nascar trading cards would be released weeks before the late January Nascar season start which means Topps would have had to scramble to redesign their Major League baseball cards to meet the early April baseball season start. Topps had approximately 1 month to make the changes. While Topps was scrambling to match Pro Set with the border less card design they created a premium set out of the border less design cards and called them Stadium Club.

Topps Stadium club baseball when released in 1991 was a huge hit mainly because the photography was much better than Pro Set’s. The superb glossy photography along with the border less design and a blended name strip made Stadium Club the card other card companies had to go with or lose sales.

The 1991 Pro Set photography on their first Nascar racing card set is dull and the name strip clashes with the photography so bad the card is ugly. Was this first Pro Set Nascar set the very first border less production set? Sure seems like it could be since Topps bent over backwards to copy the border less design and create a premium set before the 1991 baseball season began between January and April of 1991.

Back in the 1990’s the fight to be the top sports card seller was the thing with so many card manufacturers jumping into the market to make millions off of pictures. The losers of the fight faced debt’s in the hundreds of millions trying to push their cards into popularity. The winners live in million dollar mansions and the collector value of the past cards they created are becoming forever collectible.

Topps won out in the fight with the new Stadium Club brand of sports cards. Topps did not produce Nascar trading cards but both companies did produce Baseball, Football and Hockey which were their paydays. Between 1989 and 1991 Pro Set took millions away from rival sports card companies. Pro Set finally had to give way to Topps Stadium Club cards and shut down in 1994 facing a debt in the hundreds of millions. Topps took Pro Sets border less design and came out on, “Topp”.

Of course the economy took a downturn in 2008 that brought the values of collectibles to nickel and dime prices along with the growing internet availability. But with a growing economy under a government …

Credit Card Debt – The Saddest News You Will Ever Hear About the Card Debt You're Paying

The saddest news you will ever hear about your credit card debt is not your 30% interest rate or even the fact you will be 92 years old when you make that last payment provided of course you don't use the card anymore. It's far worse! You've been suckered into a card game you can never win! Sorry to be the one breaking the news to you but there are some things you can do to get even with those card sharks.

Sometime in the past 30 years you looked forward to getting that first card which announced to the world you had come of age, were trustworthy and could get whatever you wanted for the asking because some large financial institution said they were standing behind you all backed up by a contract with so much fine print you couldn't read it without a magnifying glass.

After the zero interest transfer rates ran out when you had attempted to juggle your accounts, you began to notice the pain in your backside especially around your wallet area was getting worse and that wallet pain quickly turned into a continuous headache. The unseen superglue on the card had worked and the little plastic demon was now firmly attached to your financial life.

To see exactly how you became a slave to the card company use the search term "Frontline-the credit card game" and take notice in the beginning of this PBS special when they introduce you to the other man in the White House. This mastermind of debt set the stage for the current economic crisis.

Other large financial institutions used the mastermind plan to entrap the entire population in a vicious cycle of debt which included none other than the United States government. You only have to look around to see the devastating effects of greedy bankers gone wild. Business slowdowns, shutdowns and bankruptcies produced a cascading domino effect leading to the present economic meltdown.

All this led to the biggest government bailout of financial institutions considered too big to fail in the history of the world. You may remember the multimillion dollar bonuses handed out to top executives as a reward for devising the largest transfer of wealth scheme ever devised and guess who's going to be paying that tax bill for years to come.

Are you ready to get even? Ready to stop paying that credit card bill and stop worrying about it? Here's one easy way of doing it. Use the search term "FTC debt video" and watch the cartoon show. You'll see the basics on handling collection phone calls and written notices. Some people are using digital recorders to make money when collectors violate their rights. Use the search term "man wins $ 1.5 million in debt collector lawsuit" to see for yourself.

When you respond to written collection notices with a demand for proof of debt, you'll discover the collectors can't furnish legal proof under the 1966 FTC law. Bad news for the bankers but …

Bail Me Out – Credit Card Forgiveness Secrets

Every week, major corporations across America are receiving huge government checks to erase their bad debts. These companies’ massive debts are wiped clean and we. The taxpayers, are the ones that have to pay for it. With all of these companies being handed billions of dollars, the average consumer is asking: “Where’s My Bailout?”

As large companies continue to scream “Bail Me Out,” the government seems content to give them a free pass on their bad decisions. In contrast, the average family has over $10,000 in credit card debt and no government program to erase their debts. The good news for those families is that there are credit card forgiveness programs available that can completely erase credit card debt. You just have to know how to access them.

How Do I get My Bailout?

Banks and credit card companies have done all they can to keep the credit card forgiveness programs hidden from you. With no publicity and no guidance, it’s no wonder that so few consumers know that they exist. In actuality, these programs are easily to use, totally legal and highly effective. You just need to know how to use them. Continue reading and I’ll show you how you can say “I got my bailout!” To begin, you’ll want to purchase a guide that will walk you through the straightforward process. These guides usually cost less than $50 and will help you erase thousands of dollars of credit card debt. Research these programs carefully and read the reviews. Many of these programs claim to offer total credit card forgiveness, but in reality only consolidate your loans. If you want to have a program “bail me out” avoid debt counseling and loan modification systems and programs.

Who Will Bail Me Out?

These credit card forgiveness programs require no outside agencies or complicated forms. With a little guidance, you can do it all on your own! You can totally avoid debt counseling and there is no need to apply for any sort of loan modification program. You only need a few simple pre-written letters and forms pre-written by licensed attorneys and you can begin the process to claim your own bailout. The systems available supply you with all of the forms you’ll need and tell you where, when and who to submit each form to. There is absolutely no application process and you can’t be denied based on income status. You only need to follow the simple steps. The laws are already on the books, you simply need to utilize them.

Credit Card Forgiveness: How to Get Started

Getting started on your credit card bailout is simple:

1. Buy a Credit Card Forgiveness System: This step is optional, but for less than $50, these programs will simplify the entire process and ensure that you follow every step perfectly. The pre-written attorney forms and letters will save you countless hours of time and many needless headaches.

2. Gather Your Current Card Statements: Get together your most recent statements. I recommend creating …

NetSpend Prepaid Debit Card Vs Rushcard

Yes, I would agree, there is really no such thing as a prepaid debit card with no fees, but there are quite a few prepaid debit cards that come close. Many of these cards are very easy to obtain but some do have plenty of fees associated with there use normally requiring direct deposit and minimum balance to eliminate most or all fees. Here are some of your best options in my opinion:

The Walmart Money Card can be obtained at any participating Walmart or you can apply online. With just a $3.00 monthly fee and very low transaction fees it rates highly as a card that is easy to load at any participating Walmart especially if you live close to Walmart. Reload fees can be waived when you cash an eligible payroll or government check or you can also load your card with a Green Dot MoneyPak. Walmart has been providing discount merchandise to many consumers for years and having a Walmart Money Card could make your shopping experience there that much easier.

Rushcard by Russell Simmons hits you with a $19.95 activation fee right of the bat. If this isn’t enough to make you leery of prepaid debit cards I don’t know what is. Some of the other fees that may be charged to your card are a monthly fee, card fee, plan change fee and express cash fee. I certainly wouldn’t be happy with all these fees and don’t feel like you the consumer should have to pick your poison. There are cards that are free to sign up for, have reasonable or no fees and offer cash back, bonuses and rewards.

NetSpend is the leading provider of prepaid debit cards in the USA and can be found in over 10,000 stores and check cashing centers in the U.S. The prepaid debit MasterCard that I have is free to sign up for, has no monthly fees unless you choose that plan. Credit transactions are $1.00, pin transactions are $2.00 and NetSpend cardholder to cardholder transfers are absolutely free. NetSpend even offers a referral bonus to new cardholders as a way to reimburse you for some of those fees. NetSpend is the best prepaid debit card in my opinion but do choose your own card wisely.

Most prepaid debit cards do not require a credit check or report any information regarding your card use or fee payment history to the credit bureau so good or bad credit is not an issue. So if you are looking to rebuild your credit a prepaid debit card normally will not do that for you. If you need a fast and convenient way to access your cash funds without bank overdraft fees then choose the card that is right for you.

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