Immigration Voice - Forums
Register Get Involved Contact Lawmakers Advocacy Discussion Image Image Image Image

Go Back   Immigration Voice > General Information > Interesting Topics
Click to log in with Facebook
Interesting Topics This forum is to discuss any topic of interest to members and to gossip about anything that members prefer. All the terms of the forum and terms of use of the website do apply to this forum.

Reply
 
LinkBack Thread Tools Display Modes
  #46 (permalink)  
Old 06-05-2009, 09:18 PM
Member
Priority Date
:
N/A
Category
:
N/A
I140 Mailed Date
:
Chargeability
:
Niger
Processing Stage
:
N/A
I485 Mailed Date
:
Compare
Join Date: Mar 2006
Posts: 49
gomirage has a spectacular aura about gomirage has a spectacular aura about gomirage has a spectacular aura about
Default

Quote:
Originally Posted by validIV View Post
Sorry but no matter how you spin it, owning a home is better than renting. Renting is not smart. period. your money is gone every month. You are not getting that money back.

When you own a home, the money goes towards a mortgage, and although most of it goes to interest at first, all interest paid is tax deductible which is a huge chunk of change every year. I get more money back as an owner than a renter and in the long run I save more AND own the home.

30 year renter vs 30 year home owner? That is not rocket science.
It's not rocket science, just common sense. In case you are aware, lot of people on this forum don't have gc in hand. What will they do if they decide to leave due to gc taking too long to come through. Ask they bank to give back the money they spend on stupid interest for 10 years for a house upside down ?

Common sense is to rent until you are sure you're staying for good.
Bookmark and Share Compare Reply With Quote


  #47 (permalink)  
Old 06-05-2009, 09:47 PM
Senior Member
Priority Date
:
Nov-06
Category
:
EB3
I140 Mailed Date
:
01/02/2007
Chargeability
:
India
Processing Stage
:
I-485
I485 Mailed Date
:
07/27/2007
Compare
Join Date: Jul 2007
Posts: 101
puddonhead has a reputation beyond repute puddonhead has a reputation beyond repute puddonhead has a reputation beyond repute puddonhead has a reputation beyond repute puddonhead has a reputation beyond repute puddonhead has a reputation beyond repute puddonhead has a reputation beyond repute puddonhead has a reputation beyond repute puddonhead has a reputation beyond repute puddonhead has a reputation beyond repute puddonhead has a reputation beyond repute
Default

>> US does not produce any consumer goods, its all China..if you don't produce you don't sell and if you don't sell you don't make an income, and if you don't make an income you don't pay taxes...plain and simple. So, what do we do, Borrow and spend.. but remember, the interest obligations will grow to suck the dollars away from goods and services that it purchases. (Folks are in China now )

I believe this is oversimplified. You are completely ignoring the value of knowledge properties and innovation.

Lets take the example of Boeing. 20 years down the line - it may decide that manufacturing may make more sense in China and relocate its factory. However, my belief is that it will be very difficult for Boeing to relocate all of its knowledge workers. The low levels ones are easy to relocate. But the key innovators will continue coming from the US education system. The next generation of ceramic or alloy materials to build components will be invented in US 90% of the time (It may be a bold claim - I will substantiate this in more detail later).

If the key innovators/management are in/from US - a lot of the profit of this corporation would stay in the US - either in the form of taxes or return paid to shareholders. In fact, I would argue that the intellectual properties (that US would "own") will be more valuable than the value addition from the grunt work in China/India. So your comment suggesting that US is no longer adding any real value to the world economy is probably misplaced.

Now to my big assumption/comment about the unassailable lead in innovation.
US is unique in that it allowed the best people from all over the world immigrate and let all ideas mingle to create great ones. No other country allowed this. No other country is even in the horizon to be doing that in the next 100 years. There are so many tech workers in Bangalore and so many manufacturers in China - how many latest innovations did you see coming from there? Unless Bangalore/Shanghai becomes the next hub for people all over the world to come in and synthesize ideas - they will never replace the US. I dont see that happening any time soon.

And what happens if the Lou Dobbs types are successful and US goes down the drain? Well - then all of us are well and truely screwed and the economy, its trends etc become meaningless. The world has many major issues to face in the next 100 years - global worming, over population, depleting natural resources etc. If there is no center of innovation any more (like the current US) - then all the calculations we do about economy and all will probably be irrelevant. When you are fighting for survival then economy does not matter - your next bowl of rice does.
__________________
High Five
--------------
http://immigrationvoice.org/forum/sh...ad.php?t=20183
Bookmark and Share Compare Reply With Quote


  #48 (permalink)  
Old 06-05-2009, 10:03 PM
Senior Member
Priority Date
:
Jan-03
Category
:
EB2
I140 Mailed Date
:
03/16/2007
Chargeability
:
Cyprus
Processing Stage
:
N/A
I485 Mailed Date
:
08/10/2007
Compare
Join Date: Aug 2007
Posts: 319
gapala is infamous around these parts gapala is infamous around these parts
Default

Quote:
Originally Posted by puddonhead View Post
>>
If the key innovators/management are in/from US - a lot of the profit of this corporation would stay in the US - either in the form of taxes or return paid to shareholders. In fact, I would argue that the intellectual properties (that US would "own") will be more valuable than the value addition from the grunt work in China/India. So your comment suggesting that US is no longer adding any real value to the world economy is probably misplaced.

And what happens if the Lou Dobbs types are successful and US goes down the drain? Well - then all of us are well and truely screwed and the economy, its trends etc become meaningless. The world has many major issues to face in the next 100 years - global worming, over population, depleting natural resources etc. If there is no center of innovation any more (like the current US) - then all the calculations we do about economy and all will probably be irrelevant. When you are fighting for survival then economy does not matter - your next bowl of rice does.
Do not take that snipet out of context.. Innovation, research and development, that you have talked about was in the past. Do you know that Boeing has a R & D Lab in bangalore? So does many globals.. They are already doing modelling and simulation at those centers . When they made it difficult for innovators to get here.. jobs left US to go to innovators.. .Same will happen with Technology soon

By the way, all those your points are valid but will have a negligable impact on Housing market or economy in short term.. atleast until next cycle.. Unless US reform immigration policies for a 21st century knowledge revolution.. create well paid jobs for best and brightest in the world right here.. who can earn, spend and not borrow.. (EB category) ... Housing problem will also resolved... But US is lagging way behind. this is my opinion as Obama Administration has not thought so far beyond providing food coupons, housing rescue and medicare... Based on what is on the card, there will be lot of blue collar folks... nothing on innovation and technology and more Family based immigrants on welfare and low paid jobs... Do you still think, thing of past holds good now?

Last edited by gapala; 06-05-2009 at 10:11 PM.
Bookmark and Share Compare Reply With Quote


3 out of 5 members found this post helpful.
  #49 (permalink)  
Old 06-05-2009, 10:13 PM
Senior Member
Priority Date
:
Jan-06
Category
:
EB3
I140 Mailed Date
:
Chargeability
:
India
Processing Stage
:
N/A
I485 Mailed Date
:
Compare
Join Date: Jul 2007
Posts: 287
jasmin45 is infamous around these parts jasmin45 is infamous around these parts jasmin45 is infamous around these parts jasmin45 is infamous around these parts jasmin45 is infamous around these parts jasmin45 is infamous around these parts jasmin45 is infamous around these parts
Default True

Quote:
Originally Posted by gapala View Post
Do not take that snipet out of context.. Innovation, research and development, that you have talked about was in the past. Do you know that Boeing has a R & D Lab in bangalore? So does many globals.. They are already doing modelling and simulation at those centers . When they made it difficult for innovators to get here.. jobs left US to go to innovators.. .Same will happen with Technology soon

By the way, all those your points are valid but will have a negligable impact on Housing market or economy in short term.. atleast until next cycle.. Unless US reform immigration policies for a 21st century knowledge revolution.. create well paid jobs for best and brightest in the world right here.. who can earn, spend and not borrow.. (EB category) ... Housing problem will also resolved... But US is lagging way behind. this is my opinion as Obama Administration has not thought so far beyond providing food coupons, housing rescue and medicare... Based on what is on the card, there will be lot of blue collar folks... nothing on innovation and technology and more Family based immigrants on welfare and low paid jobs... Do you still think, thing of past holds good now?
I couldn't agree more with you on this.
__________________
Anger and intolerance are the enemies of correct understanding -Mahatma Gandhi
Bookmark and Share Compare Reply With Quote


1 out of 1 members found this post helpful.
  #50 (permalink)  
Old 06-05-2009, 10:28 PM
Senior Member
Priority Date
:
Jan-03
Category
:
EB2
I140 Mailed Date
:
03/16/2007
Chargeability
:
Cyprus
Processing Stage
:
N/A
I485 Mailed Date
:
08/10/2007
Compare
Join Date: Aug 2007
Posts: 319
gapala is infamous around these parts gapala is infamous around these parts
Default poddonhead.. look at this thread.. its happening

look at this thread.. counterproductive higher taxes to sustain the government spending on food, shelter and medical care.... means more technology job outsourcing..

http://immigrationvoice.org/forum/sh...957#post345957
Bookmark and Share Compare Reply With Quote


1 out of 3 members found this post helpful.
  #51 (permalink)  
Old 06-05-2009, 10:30 PM
Member
Priority Date
:
N/A
Category
:
N/A
I140 Mailed Date
:
Chargeability
:
Niger
Processing Stage
:
N/A
I485 Mailed Date
:
Compare
Join Date: Mar 2006
Posts: 49
gomirage has a spectacular aura about gomirage has a spectacular aura about gomirage has a spectacular aura about
Default

Quote:
Originally Posted by gapala View Post
Do not take that snipet out of context.. Innovation, research and development, that you have talked about was in the past. Do you know that Boeing has a R & D Lab in bangalore? So does many globals.. They are already doing modelling and simulation at those centers . When they made it difficult for innovators to get here.. jobs left US to go to innovators.. .Same will happen with Technology soon

By the way, all those your points are valid but will have a negligable impact on Housing market or economy in short term.. atleast until next cycle.. Unless US reform immigration policies for a 21st century knowledge revolution.. create well paid jobs for best and brightest in the world right here.. who can earn, spend and not borrow.. (EB category) ... Housing problem will also resolved... But US is lagging way behind. this is my opinion as Obama Administration has not thought so far beyond providing food coupons, housing rescue and medicare... Based on what is on the card, there will be lot of blue collar folks... nothing on innovation and technology and more Family based immigrants on welfare and low paid jobs... Do you still think, thing of past holds good now?
Well said.
Bookmark and Share Compare Reply With Quote


  #52 (permalink)  
Old 06-05-2009, 10:58 PM
Senior Member
Priority Date
:
Oct-06
Category
:
EB3
I140 Mailed Date
:
07-22-2007
Chargeability
:
India
Processing Stage
:
I-485
I485 Mailed Date
:
07-11-2007
Compare
Join Date: Sep 2007
Posts: 384
jthomas has a brilliant future jthomas has a brilliant future jthomas has a brilliant future jthomas has a brilliant future jthomas has a brilliant future jthomas has a brilliant future jthomas has a brilliant future jthomas has a brilliant future jthomas has a brilliant future jthomas has a brilliant future jthomas has a brilliant future
Post True

Quote:
Originally Posted by gapala View Post
Do not take that snipet out of context.. Innovation, research and development, that you have talked about was in the past. Do you know that Boeing has a R & D Lab in bangalore? So does many globals.. They are already doing modelling and simulation at those centers . When they made it difficult for innovators to get here.. jobs left US to go to innovators.. .Same will happen with Technology soon

By the way, all those your points are valid but will have a negligable impact on Housing market or economy in short term.. atleast until next cycle.. Unless US reform immigration policies for a 21st century knowledge revolution.. create well paid jobs for best and brightest in the world right here.. who can earn, spend and not borrow.. (EB category) ... Housing problem will also resolved... But US is lagging way behind. this is my opinion as Obama Administration has not thought so far beyond providing food coupons, housing rescue and medicare... Based on what is on the card, there will be lot of blue collar folks... nothing on innovation and technology and more Family based immigrants on welfare and low paid jobs... Do you still think, thing of past holds good now?
Most of the jobs are going to china and elsewhere. I am a power supply design engineer and have interviewed with many firms. some of them say they have moved their research to Taiwan because there is no difference in innovation between US and Taiwan. They have sales and service facility in Irvine, southern california. Another company i talked to was *ell computers. They are subcontracting the design + production to china and other places. The cost of a computer power supply is around 6 dollars and its no way US can produce it at $6. They have a small portion of design over here and it will still stay in US but it hires very less PHd guys. I am sure china/india will have more PHd guys in future than in US. There are several more who buy from china and after testing the product use their name sticker.
there will be more high school graduates, average educated person than high skilled engineers. There are a lot of companies who would like to hire engineers (US citizen)at a very good pay but they are not able to do so. My last employer was looking for a good engineer from last 4 years and my prior employer have waited for 8 years to find a good engineer.
Good technical guys are at a very small percentage.

housing price has to go down. I don't know what else is going to happen.

J thomas
Bookmark and Share Compare Reply With Quote


  #53 (permalink)  
Old 06-05-2009, 11:32 PM
Member
Priority Date
:
Dec-03
Category
:
Others
I140 Mailed Date
:
12/04/2007
Chargeability
:
India
Processing Stage
:
I-485
I485 Mailed Date
:
08/02/2007
Compare
Join Date: Apr 2006
Posts: 56
bhatt will become famous soon enough bhatt will become famous soon enough
Default

Quote:
Originally Posted by kak1978 View Post


Althought this is just for seattle area, this trend is more or less the same nationwide.

According to this graph we need to wait out atleast one more year for the Rent - to- Price ratio to come down to the historical averages. But you get the Federal first -time home owner credit of $8000 (more in CA) only if you buy before the end of this year. So in my opinion, a good time to buy a house is in the month of december this year, if not the best time to buy. Now this is with an assumsion that mortgage rates don't rise substantially.
All the time is good time to buy home( there is no particular good time). It depends on which house you are buying at what price.
once the interest rates shoots up( which is happening now - 2 week back it was 4.5 , now it is 5.65 ) its price will come down.
If you don't have gc and a have a steady job get a condo or townhome instead of big house. Also you can get a FHA loan with 3% down payment ! . the interest rate will be .5% above the normal rate and no need of PMI.
__________________
DOL/PBEC/DOS/USICS/TSC/Employer's Victim
First PD : EB3 May 01
PD->EB2 DEC 03
LC Approved OCt 2006
I-140 Approved Mar 2007
I-485 Receipt Date-> Aug 02 07
First FP ->Dec 28 07
First EAD->Nov 23, 07
Second EAD- Sept 30, 08
Third EAD-?
Bookmark and Share Compare Reply With Quote


  #54 (permalink)  
Old 06-05-2009, 11:41 PM
Member
Priority Date
:
Dec-03
Category
:
Others
I140 Mailed Date
:
12/04/2007
Chargeability
:
India
Processing Stage
:
I-485
I485 Mailed Date
:
08/02/2007
Compare
Join Date: Apr 2006
Posts: 56
bhatt will become famous soon enough bhatt will become famous soon enough
Default

Quote:
Originally Posted by shukla77 View Post
Does anyone know that the closing has to be before November 30th in order to get this 8K tax benefit?
My advice don't buy just for the 8k tax benefit. The reatlors main weapon is this 8k tax credit now. In NJ/NY it is less than the property tax u r paying for one year. In other places with less house prices it may be good.
__________________
DOL/PBEC/DOS/USICS/TSC/Employer's Victim
First PD : EB3 May 01
PD->EB2 DEC 03
LC Approved OCt 2006
I-140 Approved Mar 2007
I-485 Receipt Date-> Aug 02 07
First FP ->Dec 28 07
First EAD->Nov 23, 07
Second EAD- Sept 30, 08
Third EAD-?
Bookmark and Share Compare Reply With Quote


  #55 (permalink)  
Old 06-05-2009, 11:51 PM
Senior Member
Priority Date
:
Dec-05
Category
:
EB2
I140 Mailed Date
:
03/02/2004
Chargeability
:
India
Processing Stage
:
I-485
I485 Mailed Date
:
07/30/2007
Compare
Join Date: Apr 2009
Posts: 275
hiralal is infamous around these parts hiralal is infamous around these parts hiralal is infamous around these parts hiralal is infamous around these parts
Default

Quote:
Originally Posted by validIV View Post
Sorry but no matter how you spin it, owning a home is better than renting. Renting is not smart. period. your money is gone every month. You are not getting that money back.

When you own a home, the money goes towards a mortgage, and although most of it goes to interest at first, all interest paid is tax deductible which is a huge chunk of change every year. I get more money back as an owner than a renter and in the long run I save more AND own the home.

30 year renter vs 30 year home owner? That is not rocket science.
you are wrong and right ...it all depends on location and the period. there is one more article and I will post that. (I am talking from investment point of view but I agree both owning a house and renting a place have their own pros and cons).
you are wrong in the present day ..i.e. as long as prices are falling (which is the case in most areas today) ..owing a home is bad BAD investment.
your assumption is correct once the prices start to rise by 3 - 4 % annually .. but that will take 3 - 4 years more at the minimum
Bookmark and Share Compare Reply With Quote


  #56 (permalink)  
Old 06-06-2009, 12:05 AM
Senior Member
Priority Date
:
Jan-03
Category
:
EB2
I140 Mailed Date
:
03/16/2007
Chargeability
:
Cyprus
Processing Stage
:
N/A
I485 Mailed Date
:
08/10/2007
Compare
Join Date: Aug 2007
Posts: 319
gapala is infamous around these parts gapala is infamous around these parts
Default remember though

Real estate cycles are lenghty ones.. not like stock markets which turn around in 4 to 5 years.. Real estate booms are seen once in every 15 to 18 years... This is because the sum of amount is huge and the stabilization time frame.

Based on current outlook, the prices for houses will fall until end of 2010 and will stabilize in next 5 to rise again by 2015 to 2017. This is purely based on historic pattern.. Now god kows what these crazy folks like Bernankie (15 fold increase in currency base projected in Fed Reserve BS. ) and Gessner' (foolish tax payer investment in GM though it looks like payback to unions) interfearance will do to this country...

Some people jump guns and create demand for home to get $8000 credit... you can see now the builders are increasing prices for homes in the market... slowly.. but will not sustain into 2010.. it will fall for one important reason, supply is too much.. oh by the way.. 30% of home owners want to sell their homes in this market to avoid further fall... based on recent survey..

Last edited by gapala; 06-06-2009 at 12:10 AM.
Bookmark and Share Compare Reply With Quote


1 out of 3 members found this post helpful.
  #57 (permalink)  
Old 06-06-2009, 12:25 AM
Senior Member
Priority Date
:
N/A
Category
:
N/A
I140 Mailed Date
:
Chargeability
:
Philippines
Processing Stage
:
N/A
I485 Mailed Date
:
Compare
Join Date: Jul 2007
Posts: 651
JunRN is a splendid one to behold JunRN is a splendid one to behold JunRN is a splendid one to behold JunRN is a splendid one to behold JunRN is a splendid one to behold JunRN is a splendid one to behold JunRN is a splendid one to behold
Default

I noticed that the $8k and $10k for California (which began in March 09) stimulus is taken by builders for their benefit. How did they do it?

When I bought a house in March 09, the builder offered me great discounts (20k off the purchase price, interest buy down to 4.5%) and freebies (fridge, blinds, washer/dyer) so I took it. I bought the house for less than $90 per sq. ft.

After the $8k Fed. and $10k California stimulus have passed, builders use that as their sales pitch to attract buyers and removed their previously offered discounts (some still offers discount though but offset the stimulus benefits).

So, I believe that the builders/sellers are the real winner in the stimulus, not the buyers.
__________________
_________

I am not a lawyer....all my comments are my own beliefs, please respect it. I do respect yours!
Bookmark and Share Compare Reply With Quote


1 out of 2 members found this post helpful.
  #58 (permalink)  
Old 06-06-2009, 12:55 AM
Senior Member
Priority Date
:
Dec-05
Category
:
EB2
I140 Mailed Date
:
03/02/2004
Chargeability
:
India
Processing Stage
:
I-485
I485 Mailed Date
:
07/30/2007
Compare
Join Date: Apr 2009
Posts: 275
hiralal is infamous around these parts hiralal is infamous around these parts hiralal is infamous around these parts hiralal is infamous around these parts
Default

I have done lot of research and come up with calculations ..please note ..I am renting now but am also a potential home buyer ..only the GC is preventing me from buying.
both have its advantages and dis ..by renting, I save a lot and I spend that money more freely (eating out more frequently, wife is not under pressure to work, kids in summer camps, fully funding retirement etc). kids have more friends, playdates etc etc. also the flexibility and peace of mind that renting gives me (and my family) is priceless in this environment. similarly owning has its own pleasures and others maybe able to write better on that.
my point is only from timing point of view and from financial perspective ..home is huge investment and if prices are still falling then it makes sense to wait ..the reason being if prices fall an additional 10 - 15% in your area then you may lose 30 - 40K in one year (which is almost 2 - 3 years of savings for better paid guys). on top of it if you lose job and H1/EAD gets cancelled then you are FINISHED.
here is the article that I mentioned ..also note 3% appreciation was past (slightlly more than rate of inflation) ..it will take years to even come there
---------------------
one of the adjustable variables is home appreciation. The default level is 3% a year, meaning the $300,000 home would be worth $309,000 after one year, $318,270 after two years and so forth.

Reduce that figure to 1% and the break even period jumps to 4.8 years. At 0% it's 7.2 years.

These days, 0% appreciation is not all that bad. The calculator won't take a negative number, but it's easy to imagine what would happen if, for example, prices were to drop by 5% a year for three years, then resume a 3% annual increase. Your home would lose about 15% of its value in three years and would then take five more to get back to where you started, a total of eight years.

With appreciation continuing at 3% it would take another 2.5 years to break even once commissions, taxes and other factors were taken into account. So it probably wouldn't pay to buy this home unless you expected to stay there for more than 10.5 years.

But there's no doubt that periods of low home-price appreciation or falling home values dramatically undermine any financial benefits of owning over renting.
---------------------

Last edited by hiralal; 06-06-2009 at 12:58 AM.
Bookmark and Share Compare Reply With Quote


  #59 (permalink)  
Old 06-06-2009, 01:48 AM
Senior Member
Priority Date
:
Dec-05
Category
:
EB2
I140 Mailed Date
:
03/02/2004
Chargeability
:
India
Processing Stage
:
I-485
I485 Mailed Date
:
07/30/2007
Compare
Join Date: Apr 2009
Posts: 275
hiralal is infamous around these parts hiralal is infamous around these parts hiralal is infamous around these parts hiralal is infamous around these parts
Default

here is a superb report ...really worth reading ..
http://www.scribd.com/doc/14166113/T...e-Crisis4309-3
Bookmark and Share Compare Reply With Quote


2 out of 2 members found this post helpful.
  #60 (permalink)  
Old 06-06-2009, 02:02 AM
Senior Member
Priority Date
:
N/A
Category
:
N/A
I140 Mailed Date
:
Chargeability
:
Philippines
Processing Stage
:
N/A
I485 Mailed Date
:
Compare
Join Date: Jul 2007
Posts: 651
JunRN is a splendid one to behold JunRN is a splendid one to behold JunRN is a splendid one to behold JunRN is a splendid one to behold JunRN is a splendid one to behold JunRN is a splendid one to behold JunRN is a splendid one to behold
Default

What if a builder offer you a new home with a fixed monthly mortgage that is equal to or lower than your monthly rental on similarly sized home at same zip code, will you take it?

note: Given that you will get $8k stimulus money to recover your downpayment.
__________________
_________

I am not a lawyer....all my comments are my own beliefs, please respect it. I do respect yours!
Bookmark and Share Compare Reply With Quote


0 out of 2 members found this post helpful.
Reply

Bookmarks


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are Off
Pingbacks are Off
Refbacks are On

Similar Threads
Thread Thread Starter Forum Replies Last Post
Long-term international assignment on H-1B quadric Non-Immigrant Visa 6 09-24-2009 09:40 AM
Long term stay in India while on AP redford Travel out of country and re-entry during/after 485 filing 5 06-30-2009 02:06 AM
Long term effects of july fiasco mambarg Retrogression, priority dates and Visa bulletins 19 08-06-2007 01:41 PM
short and long term disability insurance bodhi_tree All other Green Card Issues 7 07-13-2007 10:56 AM
H1 Status and long term disability Ankit Non-Immigrant Visas 25 04-06-2007 02:09 PM



All times are GMT -4. The time now is 05:55 PM.


Powered by vBulletin® Version 3.7.4
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
(c)ImmigrationVoice.org