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EAbbas

i 864 and income requirements

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As of today I make a total $32,145(gross income) for me, my three girls and my spouse I am applying for that is just a $92 dollars off of the income requirements :( I also have a 401k for almost $100k...of course if i took it out it would only be about $60k...

Can we still apply on our own or do we still need a co sponsor to help us?

Any replies would be helpful.

Thanks,

Ameena & Adil


10/02/2010 Nikah/Marriage in Karachi
USCIS JOURNEY
11/10/2010 -Sent
03/24/2011 i 130 approved!!!
NVC JOURNEY
03/30/2011 NVC received case-04/07/2011 NVC Case Number Assigned
05/03/2011 CASE COMPLETE- In Que for INTERVIEW!!-05/17/2011 Received interview letter and info via email
EMBASSY JOURNEY
05/20/2011 Medical Appt/passed
06/15/2011 Interview result AP
06/21/2011 Submitted requested docs..under review
07/25/2011 CO called did phone interview result: PENDING MANDATORY AP/CO told us they have to do namechecks

03/07/2013 Case returned to USCIS waiting for NOIR/reaffirmation

04/18/2013 USCIS received case for review

08/19/2013 Received NOIR to respond by 9/18/2013

9/9/2013 Responded to NOIR/USCIS received documents awaiting response

9/20/2013 USCIS reaffirmed sent to embassy

1/04/14 Case opened for review

8/31/15 Interview- no questions visa approved on the spot

9/8/15 visa status issued

9/10/15 visa received

9/19/15 POE Charlotte

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That should be fine, add the 401K as an asset. If NVC wants more or a joint sponsor they will tell you.

Moving this to NVC forum..


OUR TIME LINE Please do a timeline it helps us all, thanks.

Is now a US Citizen immigration completed Jan 12, 2012.

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From what i've read, the value of an asset such as your 401(k) will be divided in to 5 and a fifth will be applied to your income. So if it's worth $100k then $20k will be added to your income. So according to immigration you have $52k


07/28/2009 Met on LDSlinkup.com

09/04/2009 Relationship officially started

06/11/2010 Met in Philippines

06/30/2010 Traveled to Singapore together

07/05/2010 I had to go back to the US

07/22/2010 I-129F mailed

07/24/2010 Delivery confirmation says I-129F received. Waiting for NOA1

08/02/2010 Check Cashed still waiting for NOA1

08/05/2010 NOA 1 received!!!!!!!!!!! (dated 07/29/2010)

12/21/2010 NOA 2 received!!!!!!!!!!! (dated 12/14/2010)

12/29/2010 NVC letter

01/12/2011 Packet 3!!!!!

02/02/2011 Sent checklist back to embassy....Waiting for phone call....

03/03/2011 She had her interview...Lacking of evidence....told her what to get and told her to come back

03/30/2011 She went back to the embassy....This time we had everything...K-1 approved; not in hand yet

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From what i've read, the value of an asset such as your 401(k) will be divided in to 5 and a fifth will be applied to your income. So if it's worth $100k then $20k will be added to your income. So according to immigration you have $52k

Actually the ratio is 1/3 not 1/5 this has to do with the fact a greencard holder can apply for citizenship at 3 years when married to a us citizen.

Read I-864 instructions.


OUR TIME LINE Please do a timeline it helps us all, thanks.

Is now a US Citizen immigration completed Jan 12, 2012.

1428954228.1592.1755425389.png

CHIN0001_zps9c01d045.gifCHIN0100_zps02549215.gifTAIW0001_zps9a9075f1.gifVIET0001_zps0a49d4a7.gif

Look here: A Candle for Love and China Family Visa Forums for Chinese/American relationship,

Visa issues, and lots of info about the Guangzhou and Hong Kong consulate.

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Yeah, Dan's right, so your 401(K) effectively doubles the amount you can report(your income of 32k is added to 1/3 of your assets which is 33K). You should be fine.


07/28/2009 Met on LDSlinkup.com

09/04/2009 Relationship officially started

06/11/2010 Met in Philippines

06/30/2010 Traveled to Singapore together

07/05/2010 I had to go back to the US

07/22/2010 I-129F mailed

07/24/2010 Delivery confirmation says I-129F received. Waiting for NOA1

08/02/2010 Check Cashed still waiting for NOA1

08/05/2010 NOA 1 received!!!!!!!!!!! (dated 07/29/2010)

12/21/2010 NOA 2 received!!!!!!!!!!! (dated 12/14/2010)

12/29/2010 NVC letter

01/12/2011 Packet 3!!!!!

02/02/2011 Sent checklist back to embassy....Waiting for phone call....

03/03/2011 She had her interview...Lacking of evidence....told her what to get and told her to come back

03/30/2011 She went back to the embassy....This time we had everything...K-1 approved; not in hand yet

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Yeah, Dan's right, so your 401(K) effectively doubles the amount you can report(your income of 32k is added to 1/3 of your assets which is 33K). You should be fine.

I'm terrified now :(( my sisters and her husband just broke up :(( she doesn't work right now and he ws going to co sponsor so it's very imortant I can possibly do this on my own :( im terrified that i don't have the 100 dollars to cover what I need now to get the visa for him :( idk what to do I have nobody else that can help us co sponsor him...why now when we are getting closer? I don't know what to do :( I hope your right and they won't see it as an issue i mean omg 100 dollars ;((((((((

32145k a year for fam of 4 with 1 more waiting for visa.....100k in 401k ;((

Edited by EAbbas

10/02/2010 Nikah/Marriage in Karachi
USCIS JOURNEY
11/10/2010 -Sent
03/24/2011 i 130 approved!!!
NVC JOURNEY
03/30/2011 NVC received case-04/07/2011 NVC Case Number Assigned
05/03/2011 CASE COMPLETE- In Que for INTERVIEW!!-05/17/2011 Received interview letter and info via email
EMBASSY JOURNEY
05/20/2011 Medical Appt/passed
06/15/2011 Interview result AP
06/21/2011 Submitted requested docs..under review
07/25/2011 CO called did phone interview result: PENDING MANDATORY AP/CO told us they have to do namechecks

03/07/2013 Case returned to USCIS waiting for NOIR/reaffirmation

04/18/2013 USCIS received case for review

08/19/2013 Received NOIR to respond by 9/18/2013

9/9/2013 Responded to NOIR/USCIS received documents awaiting response

9/20/2013 USCIS reaffirmed sent to embassy

1/04/14 Case opened for review

8/31/15 Interview- no questions visa approved on the spot

9/8/15 visa status issued

9/10/15 visa received

9/19/15 POE Charlotte

p9WGm4.png

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Yeah, Dan's right, so your 401(K) effectively doubles the amount you can report(your income of 32k is added to 1/3 of your assets which is 33K). You should be fine.

Sorry to throw cold water on this but a 401k will first be discounted by a large factor reflecting the cost of liquidating it including tax and tax penalties. 100k is likely to be discounted to more like 60k before applying the 1/3 factor.


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Sorry to throw cold water on this but a 401k will first be discounted by a large factor reflecting the cost of liquidating it including tax and tax penalties. 100k is likely to be discounted to more like 60k before applying the 1/3 factor.

yeah I know and that's ok because I need to come up with basically 500 dollars somewhere because of my lack of 100 for income so 100x 5 would be 500...so my 60k or even 50k would more than make that up but do we still need a cosponsor for that?


10/02/2010 Nikah/Marriage in Karachi
USCIS JOURNEY
11/10/2010 -Sent
03/24/2011 i 130 approved!!!
NVC JOURNEY
03/30/2011 NVC received case-04/07/2011 NVC Case Number Assigned
05/03/2011 CASE COMPLETE- In Que for INTERVIEW!!-05/17/2011 Received interview letter and info via email
EMBASSY JOURNEY
05/20/2011 Medical Appt/passed
06/15/2011 Interview result AP
06/21/2011 Submitted requested docs..under review
07/25/2011 CO called did phone interview result: PENDING MANDATORY AP/CO told us they have to do namechecks

03/07/2013 Case returned to USCIS waiting for NOIR/reaffirmation

04/18/2013 USCIS received case for review

08/19/2013 Received NOIR to respond by 9/18/2013

9/9/2013 Responded to NOIR/USCIS received documents awaiting response

9/20/2013 USCIS reaffirmed sent to embassy

1/04/14 Case opened for review

8/31/15 Interview- no questions visa approved on the spot

9/8/15 visa status issued

9/10/15 visa received

9/19/15 POE Charlotte

p9WGm4.png

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