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IloveDanang

What are some ways to commingle finance?

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-I went to my two banks today and both said that wife(in Vietnam) has to be in person and sign to be on the account.  So that's a no.  

-I just opened a life insurance policy with her as beneficiary (medical exam pending).  That's a yes

 

What other ways can I include wife to finance?

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add to will. add to power of attorney

 

some credit cards will allow you to add

 

some utilities will allow you to add without a social too

Edited by debbiedoo

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Just now, IloveDanang said:

What's the cost of a written up will by attorney?

i dont know.

 

call an attorney and ask.

 

i did mine myself.

 

all states are different as to what they allow and if or how it has to be filed


5/7/2018 K1       Application mailed

5/9/2018             Application rec'd and signed for (sent via fedex)

5/14/2018          NOA1 Email notification

5/18/2018          NOA1 Paper copy rec'd (i797C)

11/5/2018          NOA2 ❤️ no RFE's

11/19/2018        NVC Received file

12/13/2018        Consulate received/ ready to schedule interview

 

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Can you show anything for trips taken together? That reflect spending on both your parts? 

 

Can you add her to anything else? Rent/Deed/Mortgage?

Car insurance?

Phone bill?

Utilities? 

Credit card?

 

For last resort to just add to what you already have (not as primary evidence) you can even open a Costco or Sams Club or gym membership together... look up memberships for married couples to see if there’s more. 

 

Gather as much evidence as you can even the things that seem small. Just have a lot of it. I also recommend preparing a will like above member suggested. 

 

 


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You can download a will online.  Then sign it in front of a notary.   No attorney needed.

CapitalOne will allow you to add to a credit card.   You use 000-00-0001 as SSN if you do it online.

My credit union allowed my wife to be added to my account with a scanned in signature card and copy of ID.

I added her to my power and cable bill.


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10 minutes ago, APGG94 said:

Can you show anything for trips taken together? That reflect spending on both your parts? 

 

Can you add her to anything else? Rent/Deed/Mortgage?

Car insurance?

Phone bill?

Utilities? 

Credit card?

 

For last resort to just add to what you already have (not as primary evidence) you can even open a Costco or Sams Club or gym membership together... look up memberships for married couples to see if there’s more. 

 

Gather as much evidence as you can even the things that seem small. Just have a lot of it. I also recommend preparing a will like above member suggested. 

 

 

Trips - yes

mortgage - can't do it

car insurance - no

utilities - haven't tried it yet

credit card - will call

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26 minutes ago, IloveDanang said:

Trips - yes

mortgage - can't do it

car insurance - no

utilities - haven't tried it yet

credit card - will call

House insurance? 

401k, IRA, etc  with her as a beneficiary?

Tax Return, filed as Married? 

Probably a possibility to add your wife to a car title as a TOD beneficiary?

Edited by Ksenia_O

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First wait until your wife is in the USA. U guys are applying cr1 visa so she is still in VN. When she gets to the USA then open up a joint bank account, title on car or insurance, joint credit cards, lease for apartment or add her to your mortgage title, those are some examples of co mingling  


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18 hours ago, IloveDanang said:

What's the cost of a written up will by attorney?

Go to Legalzoom.com and sign up. They have a do it yourself Will, Living Will, POA. Favouring your wife (but of course have a US co-executor).That is binding.

Also, AMEX cards will allow you to enter another person. If not, then go for their Business Card Blue - no cost - and add your wife as an employee.(no SS Number needed).

Add on Insurance (Life, Travel Insurance - Depending on your State - yearly policy that will cover her eventual travel here). 

House deed can also be done. (No SS number needed either, nor does she need to be present).These are very powerful evidences

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19 hours ago, IloveDanang said:

What's the cost of a written up will by attorney?

hand write it yourself 

examples online

have your signature notarized 

 

1. best way is when u file these 2018 tax returns have her fill out the W7 for a ITIN

send this form with her birth and your marriage certificate along with tax returns

2. Get a POA and English transliation of it 

3. Take POA and new ITIN to the bank to add to your account/ she will not be able to have debit card till she gets here

but under federal banking laws , she can have US account

https://www.consumerfinance.gov/ask-cfpb/can-i-get-a-checking-account-without-a-social-security-number-en-929/

4. i added him to water bill (electric company did not let me add him till he came

5. Add her as beneficary on your life insurance

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18 hours ago, zeta054 said:

First wait until your wife is in the USA. U guys are applying cr1 visa so she is still in VN. When she gets to the USA then open up a joint bank account, title on car or insurance, joint credit cards, lease for apartment or add her to your mortgage title, those are some examples of co mingling  

you don't have to wait 

you can do the do the ITIN and claim her on joint return

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If she’s not here yet, it’s not expected that you’ve commingled finances though they give it as an example of proof what to submit for a bona fide relationship.

 

If you still have a lot of time, you can add her as a signor to a credit card.  Show any money remittances.

 

 I did file my husband as a beneficiary to my insurance and benefits as well as filing joint taxes.  These require an ITIN (a Social Security number for non-residents) which requires extra steps and you must present her passport.  I don’t know if it’s worth it to you.  The joint tax filing meant a much better deduction which offset the cost.

 

I should add that I did that after filing the I130 but before the interview.  I brought the paperwork but was approved without showing it to anyone.  It actually is just kept for ROC at this point to show he wasn’t added the day before filing for ROC.

 

Also, if you use an ITIN, remember to go back and update with the Social Security number once issued.

 

Edited by bakphx1

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22 hours ago, IloveDanang said:

-I went to my two banks today and both said that wife(in Vietnam) has to be in person and sign to be on the account.  So that's a no.  

-I just opened a life insurance policy with her as beneficiary (medical exam pending).  That's a yes

 

What other ways can I include wife to finance?

United Airlines Chase Explorer credit card did not require a social security number for my fiancee.

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22 hours ago, bakphx1 said:

If she’s not here yet, it’s not expected that you’ve commingled finances though they give it as an example of proof what to submit for a bona fide relationship.

 

If you still have a lot of time, you can add her as a signor to a credit card.  Show any money remittances.

 

 I did file my husband as a beneficiary to my insurance and benefits as well as filing joint taxes.  These require an ITIN (a Social Security number for non-residents) which requires extra steps and you must present her passport.  I don’t know if it’s worth it to you.  The joint tax filing meant a much better deduction which offset the cost.

 

I should add that I did that after filing the I130 but before the interview.  I brought the paperwork but was approved without showing it to anyone.  It actually is just kept for ROC at this point to show he wasn’t added the day before filing for ROC.

 

Also, if you use an ITIN, remember to go back and update with the Social Security number once issued.

 

Can I fill out the application for ITIN or my wife has to do it?  Also, what is the address to put on the app?  Her address where she's living now or my addresss?

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