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LizBogdan

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  1. Like
    LizBogdan reacted to Mannydude22 in Wife's Greencard and Vaccine Waiver Approved!!   
    Last month they approved her vaccination waiver due to religious belief and her greencard got approved!
     
    The I-601 took about a year to get approved. We submitted the i-485 and i-601 together to the same location. No RFE either!!
     
    All thanks to this VJ member soscolin who posted on here over 10 years ago. he recommended Alan Philips the vaccine lawyer. 
     
    https://www.visajourney.com/forums/topic/269164-form-i-601-for-religious-objection-to-vaccines/
     
    scroll down to see his post.
     
    I paid Alan $500 and he helped my wife to write a good letter and he also recommend that we get 3 support letters from people you know (family members or friends). Alan is a kind man and he spent so much time on us doign back and forth emails, inorder to strengthen my wife's letter.
     
    I paid $900 for the I-601 too. So $1,400 total, WORTH EVERY SINGLE PENNY.
     
    Hell, i would have spent tens of thousands if I had to, so my wife wouldnt have to take the vaccine. Her health is more important than money.
     
    So all of those trolls or deniers who said "it would never get approved", you were all wrong.. People who believe in something will NEVER give up. Vaccine waivers do get approved, but people dont post on here, because we will get harassed...
  2. Like
    LizBogdan reacted to RO_AH in Saint Luke's announces mandatory COVID vaccine and RT-PCR testing   
    So happy that my wife completed her medical a few months ago.
  3. Like
    LizBogdan reacted to Will&Christine in Saint Luke's announces mandatory COVID vaccine and RT-PCR testing   
    Yeah, pretty sad that people who immigrate legally have to. I don't see them doing all of that to people who migrating to USA through Mexico border.
  4. Like
    LizBogdan reacted to jg121783 in Saint Luke's announces mandatory COVID vaccine and RT-PCR testing   
    Forcing an experimental medical treatment on people in order to immigrate. Pretty sad. Glad my wife immigrated here long before this madness.
  5. Like
    LizBogdan got a reaction from SalishSea in K1 to AOS - Between immigration statuses?   
    Yes, we applied for and received his Social Security card.
     
    We also were also able to get his drivers license last weekend. I was persistent and had to explain the K-1 visa process (90 days shown on the I 94 and marriage being the fulfillment requirement, etc.) so eventually they did except his “immigration status” with a copy of our marriage license and NOA receipt from USCIS from submitting the AOS packet. 
     
    For health insurance I am submitting a written explanation basically outlined the same thing. 
     
    My main frustration is having to explain the I 94 confusing “admit until” date. Moving forward I’m going to avoid using that paper when possibly. (We used it at the DMV because it was one of the ID items listed for obtaining the Real ID. Same with showing current immigration status when applying on healthcare marketplace.) It seems to be what’s creating the additional questions and problems. 
  6. Like
    LizBogdan got a reaction from Chancy in K1 to AOS - Between immigration statuses?   
    Yes, we applied for and received his Social Security card.
     
    We also were also able to get his drivers license last weekend. I was persistent and had to explain the K-1 visa process (90 days shown on the I 94 and marriage being the fulfillment requirement, etc.) so eventually they did except his “immigration status” with a copy of our marriage license and NOA receipt from USCIS from submitting the AOS packet. 
     
    For health insurance I am submitting a written explanation basically outlined the same thing. 
     
    My main frustration is having to explain the I 94 confusing “admit until” date. Moving forward I’m going to avoid using that paper when possibly. (We used it at the DMV because it was one of the ID items listed for obtaining the Real ID. Same with showing current immigration status when applying on healthcare marketplace.) It seems to be what’s creating the additional questions and problems. 
  7. Like
    LizBogdan got a reaction from Adventine in K1 to AOS - Between immigration statuses?   
    Yes, we applied for and received his Social Security card.
     
    We also were also able to get his drivers license last weekend. I was persistent and had to explain the K-1 visa process (90 days shown on the I 94 and marriage being the fulfillment requirement, etc.) so eventually they did except his “immigration status” with a copy of our marriage license and NOA receipt from USCIS from submitting the AOS packet. 
     
    For health insurance I am submitting a written explanation basically outlined the same thing. 
     
    My main frustration is having to explain the I 94 confusing “admit until” date. Moving forward I’m going to avoid using that paper when possibly. (We used it at the DMV because it was one of the ID items listed for obtaining the Real ID. Same with showing current immigration status when applying on healthcare marketplace.) It seems to be what’s creating the additional questions and problems. 
  8. Thanks
    LizBogdan reacted to SalishSea in K1 to AOS - Between immigration statuses?   
    He is currently in a period of authorized stay pending his AOS.  The AOS receipt that you have confirms this.
     
    Some states will not issue driver's licenses until a person has the actual greencard.
     
    It should have no impact on the ability to purchase health insurance.  Did you apply for his SSN before marrying?
  9. Thanks
    LizBogdan reacted to powerpuff in K1 to AOS - Between immigration statuses?   
    Technically, he has no legal status. However, he has been granted authorized stay while his AOS is pending. Therefore, he doesn’t accrue unlawful stay.
     
    In a lot of states DMV won’t issue a DL until he has an EAD. However, some issue them regardless of immigration status, it just depends on the laws in the state. Not sure why heath insurance is giving you grief about I-94, your husband is qualified to be added to your insurance as marriage is a qualifying life event and he could even be added without SSN. However, you only have a certain amount of time after marrying to qualify for this so keep that in mind. 
  10. Like
    LizBogdan reacted to Crazy Cat in K1 to AOS - Between immigration statuses?   
    Once his I-94 expired, he is out of status.  However, once he filed a proper I-485 package, he was granted authorized stay (not a legal status) in the US until the I-485 has been approved or denied.   
    This web site explains it pretty well, imo.  
     
    https://www.murthy.com/2018/12/17/differences-between-lawful-status-period-of-authorized-stay-unlawful-presence-2/
  11. Like
    LizBogdan reacted to -MDV- in Help!! I registered to vote by accident   
    I just don't understand if they are just trapping immigrants with this voting registration. English is not the first language of most immigrants and It takes only 1 mistake to be registered wrongly. But when it comes to immigrations they request immigrants to show as much evidences and paperworks that  they have and all these complicated forms and processing. But when it comes to registering to vote, how come they don't even ask to show any evidence of being a US citizen? And eventually use it against the immigrants when they apply to naturalize later on when they registered accidentaly. Where is the credibility of the American election, if it's that easy to register and possibly vote? 
     
     
  12. Like
    LizBogdan reacted to Murph4865 in Covid Vaccine and Immigrants   
    How does opinions kill us compared to a experimental drug that has killed thousands and hundreds of thousands side effects
  13. Thanks
    LizBogdan reacted to Mike E in SSA - mailing original docs?   
    Try referring to the policy number EM-21041 and you should get an appointment 
  14. Thanks
    LizBogdan reacted to Mike E in SSA - mailing original docs?   
    No longer required. Read on.  
     
    The policy has changed. 
     

    SSA has issued a new policy that will allow non citizens  to get an SSN or updated SS card without sending a passport, EAD, green card,  or other irreplaceable document:
     
    https://secure.ssa.gov/apps10/reference.nsf/links/05262021015248PM
     
    “Individuals also qualify for an EXI if they are unable or unwilling to mail original evidence documents. ”

    AND
     
    ”IMPORTANT: Do NOT request a non-citizen to submit his or her immigration documents by mail or using the drop box. Due to DHS regulations, non-citizens are required to have their immigration documents in their possession at all times (GN00303.610.B).”
     
    Do not allow yourself to be badgered by an SSA bureaucrat into breaking the law.  Do not yield possession of these documents.  
     
  15. Like
    LizBogdan reacted to payxibka in Entry on K-1 from Budapest?   
    Yes, no advance quarantine needed
  16. Like
    LizBogdan reacted to aaron2020 in USCIS sent me gift card ?!!!!   
    Do you have a Flex Spending Account or Health Savings Account with your employer?
     
    Maybe you accidentally included your mail with your submission to USCIS?
  17. Thanks
    LizBogdan got a reaction from Traveler101 in Mom was sent back home at EU transfer airport   
    That is so unfortunate. I’m sorry you’re experiencing this. The airlines at check in should have let her know but of course ultimately is the travelers responsibility. 
     
    It would’ve been better to wait until July when flights out of Bucharest are coming to US airports. As you know, Romania is non-Schengen (not banned) and would have been a good departure location.  
  18. Like
    LizBogdan reacted to Fr8dog in Bucharest Embassy - original divorce doc req'd at K1 interview?   
    Fedex, UPS, DHL.  That's about all the ones I would trust with important documents going from the US to Europe. From Europe to the US I would use either Fedex or UPS. (DHL is not big enough in the US yet).
  19. Like
    LizBogdan reacted to agrabs in Bucharest Embassy - original divorce doc req'd at K1 interview?   
    They need the original divorce decree - the entire document.  I attended the interview with my husband and they returned it to me after the interview.  
  20. Like
    LizBogdan reacted to SimonBelgium in Building Credit Score - Tips & Tricks   
    Introduction
    Seeing how building a credit score is one of the biggest hurdles for an immigrant to tackle, and every now and then you see a topic pop up with a question about things like credit cards, buying a car and so on, I thought it would be a good idea to have a single topic to gather all tips and tricks in a single thread.
    In time, maybe we can incorporate this info into one of VJ's Guides...
    What is Credit Score
    The US Credit Score is a number between 300 and 850, which reflects your ability to handle credit. The official score is often referred to as FICO (Fair, Isaac & Company)
    There are 5 items that contribute to your score, each with a different weight:
    Payment History (35%): Any history of bankruptcy, liens, judgments, settlements, charge offs, repossessions, foreclosures, and late payments drops your score. Revolving Debt (30%): The amount borrowed versus available credit. Think Credit Cards. Length of Credit History (15%): Both the average time of accounts, as well as the age of the oldest account. These must be ACTIVE accounts. Types of Credit (10%): installment, revolving, consumer finance, mortgage. If you handle more than 1 type of credit, this is good. Inquiries and New Debt (10%): When making an inquiry for credit, such as credit card applications, shopping for a loan etc, your rating goes down. Why is this good or bad as a new immigrant
    As an immigrant you do not have a history in the US. This means you DO NOT HAVE a US credit rating when you arrive.
    The positive thing is that you also do not have any BAD payment history.
    The bad thing is, credit is a catch-22 problem in the US: You can't get credit without a good credit score, and you can't get a good credit score without having and using credit.
    Any cards, accounts or history you have or had abroad do not count. (One known exception, see below)
    What credit score ranges are there
    Excellent credit score: 720 and Up Good credit score: 680 to 719 Average credit score: 620 to 679 Poor credit score: 580 to 619 Bad credit score: 500 to 579 Miserable credit score: Less than 500 How to get credit so you have items reporting into your credit score
    A lot depends on your personal situation. Are you married, employed, do you have cash to open an account, and so on.
    Typically, you will need to find a bank or credit union first, so ask around.
    Once you have found a suitable financial institution, ask for a "Secured Credit Card". This is a card with a certain spending limit, which amount you secure through the financial institution by depositing the cash equivalent on a locked account.
    You can then use the assigned credit, and after the first month's statement is due, you will have items reporting into your credit score. You now have payment history, length of credit and revolving debt.
    Usually, your bank will replace the secured credit card with a regular credit card, increasing the limit on the card. Expect this after a few months, if you pay your statements on time.
    People coming in through a work visa can often get a company credit card, which makes life a lot easier!
    If your spouse has a good credit rating, the financial institution might also allow him/her to co-sign the credit card application. Check with the financial institution on the requirements they have. In theory any person (in the US) with good credit can co-sign, so a family friend, parents etc are fine too.
    How to get from decent to excellent credit
    OK, now that we have some things reporting into our credit score, how can we boost that score up?
    1. The number one rule: PAY EVERYTHING ON TIME, IN FULL
    2. Specifically to credit cards, the use of credit is important, more specifically, how much do you charge to your card:
    Per account, avoid exceeding 33% of assigned credit. Some people say it's best to have a utilization of 12-20% (Some say between 1 and 20%) The utilization is based on the amount due on the reporting date. If you buy a 900$ television on a 1000$ credit, but deposit 700$ before the reporting date, your utilization is only 200$, or 20% (Can anyone confirm?) Do not leave credit cards unused (When not using credit, this hurts your score). If you have a 500$ secured card, you could for instance use it to put fuel in your car every week or so. Do not close old credit cards, this hurts your account age! 3. Diversify. Get at least one credit card and one installment loan. You can get a secured installment loan through your financial institution. If you want to buy a TV for 1000$, but that 1000$ in a secured account at the bank, and have them give you a loan over 12 months against that deposit.
    Another option, typically when buying a car, is to get a car from a dealer who gives credit to "anyone". But ALWAYS ask if they report to the credit agencies (CRAs). Then pay the remainder of the loan after at least SIX months. The intrest rate will be ridiculous (over 20% in most cases).
    According to Equifax, having at least 4 (different) lines of credit are required to get a really good score (Credit Card, Mortgage, Car Payment, Student Loans, Personal Loans, Home Equity Loan for Credit, ...)
    My credit union actually suggested the following:
    a) Get a "personal secured loan" to buy a car. (basically: Put the money you would pay as a cash downpayment on a car, into a secured loan for yourself)
    b) After 90d of employment, you qualify for a "first time borrower" loan. Bring in the title to the car, and you can use the title to borrow against. You'd get a mediocre intrest rate (C-level credit).
    This would give you 3 lines of credit after about 4 months, which is pretty good !
    Age of Credit Accounts
    Even if you have a decent credit score after a few months, when the time comes you want to buy your first car, you might get rejected quite a bit on your loan, due to "no sufficient credit history". Although the average age of accounts only counts for 15% of the credit score algorithm, financial institutions will count this as one of the major factors for credit decisions. The solution is to get a large downpayment, and preferably work with the financial institution directly, not through a dealer.
    Credit Reporting Agencies
    There are 3 major CRAs in the US:
    TransUnion (http://www.transunion.com) Equifax (http://www.equifax.com) Experian (http://www.experian.com) They all have minor differences in how they calculate your credit score. By law, they are (each) required to give you one free credit report per year.
    What can affect your score negatively?
    (From TransUnion) Wondering when judgments and bankruptcies will no longer appear on your credit reports? Check the dates on records in your credit report. Generally, here's how long judgments and bankruptcies remain on a credit report: Bankruptcy Generally, Chapter 7, 11 and 13 bankruptcies appear as public record items on your credit report for up to 10 years after filing. Chapter 13 bankruptcy records are sometimes taken off sooner, 7 years after filing, depending on the credit reporting company’s policy. When you receive an Order of Discharge in bankruptcy, your creditors should mark those accounts that were discharged as "Included in Bankruptcy" and they will stay on your report for up to 7 years. Charge-off accounts Generally, if a delinquent account is charged-off, the charge-off record appears on your credit report for up to 7 years. Closed accounts Generally, negative or derogatory information about delinquent accounts remain on your credit reports for up to 7 years. Positive closed accounts (without late payments or other delinquencies) may appear for longer than 7 years. Collection accounts Generally, accounts sent to collections will be listed on your credit report for up to 7 years, beginning 181 days from the most recent delinquent period before the collection activity. A collection account’s status should change to "paid collection" once you've paid off the entire amount. If you settle with the collection agency for less, your credit report may list the account as "settled for less than full balance." Inquiries When a creditor or lender checks your credit in connection with an application, you'll usually see a "hard inquiry" on your credit report. Generally, these stay on your report for as long as two years, and may lower your credit score slightly. When a creditor reviews the credit report of an existing customer, or when you access your own data online, a "soft inquiry" typically shows up on your credit report. Soft inquiries don't lower your credit score or appear to businesses checking your credit. Judgments Generally, most court judgments, including small claims, civil and child support, stay on your credit reports for up to 7 years from the date they were filed. Late payments Generally, if you make a payment late, the delinquency could appear on your credit report for up to 7 years. Tax liens Under federal law, city, county, state and federal tax liens could stay on your report indefinitely. Generally, after the lien is paid, the record of it stays on your credit reports for up to 7 years from the payment date. One of the most important of these are the inquiries. If you want to get store credit or a new credit card, DO NOT JUST APPLY for one. Every time you apply for credit, your score will drop a few points, and the inquiry itself (Often referred to as "hard inquiry) stays on your report. Lenders who see systematic hard inquiries on a report see this as negative.
    However, when shopping for a car (and thus car loans), all hard inquiries within 14 days are reported as one. When buying a house and a mortgage, they are grouped into one for 30 days.
    Major Tip:
    VISA and MasterCard are basically payment PLATFORMS, where local financial institutions issue the credit through the platform. Your credit history and account reside with that financial institution.
    American Express (AMEX) however, issues the credit itself (Sometimes through local companies, but the credit file is shared with Amex --> This appears NOT to be the case: If cards in your country are not issued by American Express directly (Global Network Cards), they cannot be transferred.).
    If you have an Amex abroad, and have had it for more than 12 months, you can (in most cases) request a US Amex card to replace your foreign card. The advantage is, with a good foreign history, chances of approval are very high, plus, the age of your account goes back to the first issuance of your Amex card abroad !
    https://www.americanexpress.com/global-card-transfers/united-states.html
    Transferring Funds to the USA:
    Another point to remember is that transferring your foreign money to your new US account (for instance, to get your secured loan or secured credit card) can be a costly affair. Banks have 2 areas to make money off you:
    Transfer fee: Usually a flat fee or a fixed percentage. This is the fee that is generally quite visible. Exchange Rate: The exchange rate your bank will use is quite different from the real exchange rate on the market. For example, the exchange rate between the EURO and the US DOLLAR might be 1.330 on the market, but your bank might only offer you 1.290. That is a 3% difference you might not see ! After doing some research, I settled on TransferWise. (https://transferwise.com/u/b6f15). This seems to be the best platform so far for people in Europe (incl. the UK) to send money to the US. (Or from UK -> EU and vice versa).
    It takes a few days longer than most bank transfers, but other than that, I have found it faultless and easy to use. The people behind TransferWise are those that built Skype.
    Little disclaimer: The URL provided (https://transferwise.com/u/b6f15) is linked to my account and will allow me to accumulate friend referral benefits.
    There are other platforms that outperform high-street banks and Paypal, please feel free to comment below to add your experiences (and from where to where you sent the money). I would find it useful to add information on how to send money from Non-EU countries, and also how to send money to the foreign spouse / fiancee.
    Reading Tips:
    http://www.myfico.com/CreditEducation/articles/
    http://www.freescore.com/good-bad-credit-score-range.aspx
  21. Like
    LizBogdan reacted to igoyougoduke in Moving from Romania to USA   
    highly recommend not to bring your car. it aint worth the hassle and the $  unless its a Bugati . Some of the movers i enquired while moving were 
     
    International van lines 
    United Van lines 
    Allied Van lines.
     
     
  22. Like
    LizBogdan reacted to Pmta1 in I-134 Form question   
    If you're above poverty limits (which you say you're above 125%) then you don't have to disclose assets or property. Only list your income and you'll be eligible to be a sponsor. But of course, you're welcome to include the additional information but it'll go unnoticed especially if your tax returns show ample income. 
  23. Like
    LizBogdan reacted to payxibka in I-134 Form question   
    I listed only income 
  24. Like
    LizBogdan reacted to payxibka in Form I-134 must have an original signature?!?   
    People should not "guess" about an answer to this
     
    Ink Signature No Longer Required on Affidavits of Support (12/28/2016)
    December 28, 2016
    As part of our ongoing efforts to be responsive to customer needs in immigrant visa processing, the Department of State is pleased to announce that original or “wet ink” signatures are no longer required on submitted Forms I-864, Affidavit of Support. This also applies to the I-864A, I-864W, and I-864EZ.
    Starting January 1, 2017, the National Visa Center (NVC) will accept photocopies and scanned versions of signed Forms I-864 and associated documents. Please note that the form must still be signed; typed names and electronic signatures will not be accepted. NVC will only ask petitioners to submit an amended Form I-864 to NVC if the financial sponsor’s name and personal information are missing; there is no signature at all; or if there are missing pages.
     
    This also applies to the I-134
  25. Like
    LizBogdan reacted to Fe.Ta in I-134 Form question   
    I listed only car and house.  I didn't list personal jewelry or anything like that.  But, someone else might give you more information on that.
     
    Yes, list both your personal stocks and IRA/401K.  I did and it worked fine.
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