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    Secured Loans at a Glimpse
    Gone are the days when borrowing money was considered as a taboo or a thing to be ashamed of. Taking up a loan has become the part and parcel of our daily life, largely to keep pace with today’s highly expensive world. Out of the many loan options Secured Loans is one of the most popular and widely used options. And, the reasons behind it are:The approval process is simple and fast.The lenders are more than willing to offer Secured Loans.The interest rate offered is comparatively lower than unsecured loans.It helps you to make use of the equity in your property, which would have otherwise remained inactive in your property.It is often offered with more favourable terms than other types of loans.It gives you the freedom to use the loan amount as you please.Secured Loans can be used for reasons which could be any, such as, debt consolidation, home improvements, holidays, buying expensive assets et al.A Secured Loan is a type of loan which is backed by assets in order to decrease the risk assumed by the lender. A Secured Loan requests a security in the form of any particular asset that’s worth money against the loan. Generally speaking Secured Loan demands your home as security. In a Secured Loan, when you put your personal property against the loan, you guarantee repayment to the lender.The interest rates on Secured Loans are lower than the rates on unsecured loans. A Secured Loan will be the best possible solution for you when you are in need of large amount of funds. However like any other type of loan Secured Loans also have its own share of pitfalls. The major one being, if you fail to make the necessary repayments, your assets may be repossessed by the lender. Therefore, it is advisable fo
    eport for lacking skills necessary to perform the duties but the skills could be acquired during a reasonable period of on-the-job training, this will not be considered a lawful, job related reason for rejection)

    In addition, the PERM regulations require the following steps to be taken:

    • The employer must save documentation, such as copies of advertisements and the posting notice, and other in-house recruitment documentation for the position.

    • If applicable, the employer must justify in writing any special skills or experience required for the position in a fashion that satisfies the Department of Labor’s “business necessity test.”

    • Finally, the employer must sign the recruitment report and maintain it for five years from the date of filing, along with all evidence of recruitment, so that the employer is prepared in the event of a DOL audit or investigation.

    The Visa Petition (Form I-140)

    Upon receiving an approved labor certification, a visa petition is prepared and then is submitted to the U.S. Citizenship and

    New Great Loan Programs For The Socially Conscious
    Are you thinking of buying a new home? What about a fuel-efficient vehicle? Maybe you’d like to improve your existing home to make it more energy efficient, or replace your old power-wasting appliances with newer ones. There are special loan programs available to reward you for making these improvements. Keep reading to find out more!If you want to buy an energy-efficient house, often referred to as a ‘green home’, many states offer special low-interest loans as an incentive. Likewise, should you choose to update your current home with energy saving features such as double-glazed windows, extra insulation, water-saving appliances, and other so-called “green” technologies, you can not only get a low-interest loan to make the improvements, you might also be eligible for a nice tax break in April. That’s hard to beat!The same is true when it comes to cars, trucks, and vans. Vehicles that run on propane, vegetable oil, or other alternative fuels not only help the environment; they can help your pocketbook. Great loan programs exist to reward your socially conscious choice of vehicle with low-interest loans and tax breaks. These incentives also apply to electric and hybrid vehicles. Not only will you save money on your loan, you will no longer be a slave to the gas pump! Should you wish to buy land; several government and private programs exist to encourage you to leave part of your land in a wild state. Low or no interest loans and tax breaks encourage land owners to place some of their land in trust for wildlife.
    It is common knowledge that most people obtain their permanent residence (“greencard”) through family petitions (marriage, siblings and parents) or asylums. This is quite true. However, there is a significant majority of people especially in the Bay Area who have obtained their permanent residence through employment. In fact, our office has successfully processed many of such cases.

    First before proceeding to filing such petitions, you have to have an employer who is ready to offer you a position. There are some other petitions that do not require an employer such as National Interest Waivers. But this article will concentrate on the labor certification process. Note that because such petitions are for future prospective employment, you do not have to be working for this employer until you get a greencard in your hand. Thus a labor certification can be processed even if you are not working for this particular company right now. In fact, you can even start the process when you are outside the United States. For instance while you are in Fiji.

    The process for obtaining permanent residence based on employment consists of three phases: 1) the labor certification, (Processed with the Department of Labor) 2) the visa petition, and 3) either adjustment of status (obtaining a green card without leaving the United States, if the employee is eligible) or consular processing (processing in which the employee would leave the United States in order to obtain an immigrant visa).

    Labor Certification Application

    A “labor certification” is a certification by the United States Department of Labor that a shortage of qualified U.S. workers exists with regard to this specific job, and that the prospective immigrant employee will be paid the “prevailing wage”. This certification must be obtained before an immigrant visa can be filed. One of the most important factors in the ultimate success of a labor certification is a correct determination of the minimum requirements needed to perform the job. Because this factor is so critical, a good attorney should spend a substantial amount of time obtaining and digesting information and then drafting the appropriate paperwork. It is extremely important that we all correctly describe the minimum requirements for the job as well as explain the reasons why these requirements are necessary. The employer will be required to sign the form ETA 9089 (labor certification application) as well as a letter on company letterhead describing the position that it is recruiting for, why the beneficiary (prospective immigrant employee) qualifies for this position, and what recruitment efforts have been undertaken to fill the position.

    Program Electronic Review Management (PERM)

    Under PERM, the Program Electronic Review Management scheme recently implemented by the United States Department of Labor, the following recruitment steps must be undertaken for a labor certification application to be approved, and they must be undertaken More than 30 days but less than 180 before the labor certification application is filed: 1) placement of a job order on the website of the State Workforce Agency; 2) placement of print advertisement on 2 consecutive Sundays in a newspaper of general circulation; 3) an internal notice, listing the wage to be paid, at the employer’s site for 10 consecutive business days; and IF THE JOB IS FOR PROFESSIONAL POSITION; 4) recruitment in three out of ten other specified ways. The employer, however, could be subject to an audit which would arise either randomly or by investigation. If the employer is audited, then the process will take longer.

    The purpose of the audit would be to determine whether the employer has taken the recruitment steps that it claims to have taken on the labor certification application. To that end, regulations require that the employer maintain a detailed report of its recruitment efforts. This recruitment report must minimally contain four items:

    1. A description of the recruitment steps undertaken
    2. The number of resumes or applications received
    3. The number of people hired from the recruitment efforts,
    4. The number of U.S. workers rejected, categorized by lawful job related reasons for rejection. (Please note that if a person is rejected in the recruitment report for lacking skills necessary to perform the duties but the skills could be acquired during a reasonable period of on-the-job training, this will not be considered a lawful, job related reason for rejection)

    In addition, the PERM regulations require the following steps to be taken:

    • The employer must save documentation, such as copies of advertisements and the posting notice, and other in-house recruitment documentation for the position.

    • If applicable, the employer must justify in writing any special skills or experience required for the position in a fashion that satisfies the Department of Labor’s “business necessity test.”

    • Finally, the employer must sign the recruitment report and maintain it for five years from the date of filing, along with all evidence of recruitment, so that the employer is prepared in the event of a DOL audit or investigation.

    The Visa Petition (Form I-140)

    Upon receiving an approved labor certification, a visa petition is prepared and then is submitted to the U.S. Citizenship and

    Points To Consider Before Purchasing A Website
    At some point or another almost all businesses will utilise the power of the web to help sell their product or service to a wider online market. How do you go about doing this?One of the hardest things a designer has to do is try to establish exactly what the client is looking for either because they just want a finished site and don’t want any input or else they are too shy to say exactly what they want. The more input at the beginning the better, it helps you get the site you want and gives the designer the satisfaction that he/she has built a site that you are proud of.Once you have made the decision to create an online presence but before the paperwork is signed and sealed consider the following questions to ensure the type of site you go for is suitable for your needs.PurposeThe first question you need to ask yourself is why you want the site in the first place. Are you looking to sell online or is your sole aim to get each visitor to contact you for more information? Don’t be encouraged to take a hefty site if you have any doubt it will not suit your purpose. For example if you are a small local business and only looking to show that you exist then a brochure website, of say 4-5 pages will more than likely do the job. However, if you’re trying to sell internationally then you will need to consider a much more detailed and impressive site, possibly translated into a few key languages to really push your company and show that it is capable of surviving in an international market.ContentMost web design agencies will happily take care of creating the content of your site for you. For this there will normally be the extra charge of a copywriter and possibly a photographer if you don’t already have images that can be used. Uti
    obtaining permanent residence based on employment consists of three phases: 1) the labor certification, (Processed with the Department of Labor) 2) the visa petition, and 3) either adjustment of status (obtaining a green card without leaving the United States, if the employee is eligible) or consular processing (processing in which the employee would leave the United States in order to obtain an immigrant visa).

    Labor Certification Application

    A “labor certification” is a certification by the United States Department of Labor that a shortage of qualified U.S. workers exists with regard to this specific job, and that the prospective immigrant employee will be paid the “prevailing wage”. This certification must be obtained before an immigrant visa can be filed. One of the most important factors in the ultimate success of a labor certification is a correct determination of the minimum requirements needed to perform the job. Because this factor is so critical, a good attorney should spend a substantial amount of time obtaining and digesting information and then drafting the appropriate paperwork. It is extremely important that we all correctly describe the minimum requirements for the job as well as explain the reasons why these requirements are necessary. The employer will be required to sign the form ETA 9089 (labor certification application) as well as a letter on company letterhead describing the position that it is recruiting for, why the beneficiary (prospective immigrant employee) qualifies for this position, and what recruitment efforts have been undertaken to fill the position.

    Program Electronic Review Management (PERM)

    Under PERM, the Program Electronic Review Management scheme recently implemented by the United States Department of Labor, the following recruitment steps must be undertaken for a labor certification application to be approved, and they must be undertaken More than 30 days but less than 180 before the labor certification application is filed: 1) placement of a job order on the website of the State Workforce Agency; 2) placement of print advertisement on 2 consecutive Sundays in a newspaper of general circulation; 3) an internal notice, listing the wage to be paid, at the employer’s site for 10 consecutive business days; and IF THE JOB IS FOR PROFESSIONAL POSITION; 4) recruitment in three out of ten other specified ways. The employer, however, could be subject to an audit which would arise either randomly or by investigation. If the employer is audited, then the process will take longer.

    The purpose of the audit would be to determine whether the employer has taken the recruitment steps that it claims to have taken on the labor certification application. To that end, regulations require that the employer maintain a detailed report of its recruitment efforts. This recruitment report must minimally contain four items:

    1. A description of the recruitment steps undertaken
    2. The number of resumes or applications received
    3. The number of people hired from the recruitment efforts,
    4. The number of U.S. workers rejected, categorized by lawful job related reasons for rejection. (Please note that if a person is rejected in the recruitment report for lacking skills necessary to perform the duties but the skills could be acquired during a reasonable period of on-the-job training, this will not be considered a lawful, job related reason for rejection)

    In addition, the PERM regulations require the following steps to be taken:

    • The employer must save documentation, such as copies of advertisements and the posting notice, and other in-house recruitment documentation for the position.

    • If applicable, the employer must justify in writing any special skills or experience required for the position in a fashion that satisfies the Department of Labor’s “business necessity test.”

    • Finally, the employer must sign the recruitment report and maintain it for five years from the date of filing, along with all evidence of recruitment, so that the employer is prepared in the event of a DOL audit or investigation.

    The Visa Petition (Form I-140)

    Upon receiving an approved labor certification, a visa petition is prepared and then is submitted to the U.S. Citizenship and

    How Would You Ever Know?
    Your important outside audiences behave in ways that stop you from reaching your objectives.Because you haven’t paid much attention to their care and feeding, is it likely you’ll know they are placing a hammer lock on your business in time to limit the damage?With some luck, you might save the day, but why let matters fester until you have a bad situation like this on your hands?Especially when a proven sequence can help you alter the perceptions, and thus behaviors of your most important external audiences making the achievement of your business objectives much easier.Take a quick look at what makes it all possible, the fundamental premise of public relations:People act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that perception by reaching, persuading and moving-to-desired-action those people whose behaviors affect the organization, the public relations mission is accomplishedNow, put it into action this way.First, think about those groups of people whose behaviors can really affect your organization. The test for placing a key, external audience on your action list is this: does its behavior affect your business in any way. If the answer is yes, list it.Let’s take the target audience at the top of that list and work it over. Obviously, you need to know how members of that audience perceive you, and that requires that you interact with those members and ask a lot of questions. This is the monitoring phase.How do they think of your organization, if at all? Do they have any problems with you? Do negative thoughts creep into the conversation? Are misconceptions, inaccurate beliefs, even
    fting the appropriate paperwork. It is extremely important that we all correctly describe the minimum requirements for the job as well as explain the reasons why these requirements are necessary. The employer will be required to sign the form ETA 9089 (labor certification application) as well as a letter on company letterhead describing the position that it is recruiting for, why the beneficiary (prospective immigrant employee) qualifies for this position, and what recruitment efforts have been undertaken to fill the position.

    Program Electronic Review Management (PERM)

    Under PERM, the Program Electronic Review Management scheme recently implemented by the United States Department of Labor, the following recruitment steps must be undertaken for a labor certification application to be approved, and they must be undertaken More than 30 days but less than 180 before the labor certification application is filed: 1) placement of a job order on the website of the State Workforce Agency; 2) placement of print advertisement on 2 consecutive Sundays in a newspaper of general circulation; 3) an internal notice, listing the wage to be paid, at the employer’s site for 10 consecutive business days; and IF THE JOB IS FOR PROFESSIONAL POSITION; 4) recruitment in three out of ten other specified ways. The employer, however, could be subject to an audit which would arise either randomly or by investigation. If the employer is audited, then the process will take longer.

    The purpose of the audit would be to determine whether the employer has taken the recruitment steps that it claims to have taken on the labor certification application. To that end, regulations require that the employer maintain a detailed report of its recruitment efforts. This recruitment report must minimally contain four items:

    1. A description of the recruitment steps undertaken
    2. The number of resumes or applications received
    3. The number of people hired from the recruitment efforts,
    4. The number of U.S. workers rejected, categorized by lawful job related reasons for rejection. (Please note that if a person is rejected in the recruitment report for lacking skills necessary to perform the duties but the skills could be acquired during a reasonable period of on-the-job training, this will not be considered a lawful, job related reason for rejection)

    In addition, the PERM regulations require the following steps to be taken:

    • The employer must save documentation, such as copies of advertisements and the posting notice, and other in-house recruitment documentation for the position.

    • If applicable, the employer must justify in writing any special skills or experience required for the position in a fashion that satisfies the Department of Labor’s “business necessity test.”

    • Finally, the employer must sign the recruitment report and maintain it for five years from the date of filing, along with all evidence of recruitment, so that the employer is prepared in the event of a DOL audit or investigation.

    The Visa Petition (Form I-140)

    Upon receiving an approved labor certification, a visa petition is prepared and then is submitted to the U.S. Citizenship and

    Use Body Language to Power Up the Message of Your Presentation
    In any speech or presentation, your body language adds power to the message. It support what your words are saying. The operative word here is, of course, “support”. Body language must be in tune with the message. And the corollary is that body language must also not distract or detract from the message. If they are denying each other, then your presentation will fail.Confidence and sincerity are the absolute basis for this process. If your body is declaring that you are not sincere in what you are saying then your credibility decreases and there is no way your message will have the impact it should have. Think about the tone of your message. Is it relaxed, conversational? Then make your body language relaxed. Is it passionate, strong and powerful, then create body language that conveys that power. Is it alert and enthusiastic, then your body language will be upright and reflecting that enthusiasm.You also need to be aware that your gestures can support or detract from your message. Learn to become aware of what your hands are doing while you speak. If necessary, make yourself hold them still. Many people have habits that are terribly distracting and yet they aren’t aware of what they are doing. They click or twiddle a pen, play with their hair or their clothes, hold a microphone with fingers unconsciously making a rude gesture, take glasses on and off, put hands in pockets and take them out. All of these things are not necessarily detrimental in themselves, if the audience is absolutely focused on the speaker and the message. But if there is any reason for the audience’s attention to stray (and we all have short attention spans) then they will become fascinated, at best, and possibly annoyed at whatever it i
    general circulation; 3) an internal notice, listing the wage to be paid, at the employer’s site for 10 consecutive business days; and IF THE JOB IS FOR PROFESSIONAL POSITION; 4) recruitment in three out of ten other specified ways. The employer, however, could be subject to an audit which would arise either randomly or by investigation. If the employer is audited, then the process will take longer.

    The purpose of the audit would be to determine whether the employer has taken the recruitment steps that it claims to have taken on the labor certification application. To that end, regulations require that the employer maintain a detailed report of its recruitment efforts. This recruitment report must minimally contain four items:

    1. A description of the recruitment steps undertaken
    2. The number of resumes or applications received
    3. The number of people hired from the recruitment efforts,
    4. The number of U.S. workers rejected, categorized by lawful job related reasons for rejection. (Please note that if a person is rejected in the recruitment report for lacking skills necessary to perform the duties but the skills could be acquired during a reasonable period of on-the-job training, this will not be considered a lawful, job related reason for rejection)

    In addition, the PERM regulations require the following steps to be taken:

    • The employer must save documentation, such as copies of advertisements and the posting notice, and other in-house recruitment documentation for the position.

    • If applicable, the employer must justify in writing any special skills or experience required for the position in a fashion that satisfies the Department of Labor’s “business necessity test.”

    • Finally, the employer must sign the recruitment report and maintain it for five years from the date of filing, along with all evidence of recruitment, so that the employer is prepared in the event of a DOL audit or investigation.

    The Visa Petition (Form I-140)

    Upon receiving an approved labor certification, a visa petition is prepared and then is submitted to the U.S. Citizenship and

    8 Simple Steps To Becoming Debt Free
    Getting into Debt is easy.When you leave school, you can start building a credit record for yourself. The only way to do this is to go into Debt. You think you can handle it: paying off your credit cards every month, staying up to date with all your other monthly payments. You're earning an income, living the high life and you can handle anything that life throws at you.Then Disaster Strikes - the car breaks down or someone in the family gets ill, and you rapidly realize that you're getting over your head. When the curve balls come your way, getting into debt can sometimes be the only way to cope.All to soon, the Money coming in just doesn't cover your monthly expenses; you find yourself going deeper and deeper into debt just to make ends meet. And everybody who was so nice about giving you the credit in the first place, suddenly turns nasty and starts making demands.Nobody likes to find themselves in this situation, yet it happens more often than you realize. It not only affects you emotionaly; it has an impact on everybody around you as well. Nobody like owing money and nobody likes losing sleep over Debt. But what can you do to get out of the downward spiral - so often a feeling of total despair hits you.Eight Simple Step to get out of Debt.Well here are 8 steps to actively follow to get the ball rolling and help get you out of debt quicker than you think.Step 1: The first thing you have to do is to admit to yourself that there is a problem. It's amazing how many people would rather ignore it, and just hope that it goes away. So, admit it, just say: "I'm in big trouble". This step actually forces you to start looking at your problems.Step 2: Stop making Debt! Right Now.<
    eport for lacking skills necessary to perform the duties but the skills could be acquired during a reasonable period of on-the-job training, this will not be considered a lawful, job related reason for rejection)

    In addition, the PERM regulations require the following steps to be taken:

    • The employer must save documentation, such as copies of advertisements and the posting notice, and other in-house recruitment documentation for the position.

    • If applicable, the employer must justify in writing any special skills or experience required for the position in a fashion that satisfies the Department of Labor’s “business necessity test.”

    • Finally, the employer must sign the recruitment report and maintain it for five years from the date of filing, along with all evidence of recruitment, so that the employer is prepared in the event of a DOL audit or investigation.

    The Visa Petition (Form I-140)

    Upon receiving an approved labor certification, a visa petition is prepared and then is submitted to the U.S. Citizenship and Immigration Service (Formerly the “INS”). The purpose of the visa petition is to prove to the Immigration Service that: (1) the job has been certified by the Department of Labor, (2) the prospective employee meets all of the requirements listed on the labor certification, and (3) the employer has the ability to pay the salary to the employee.

    During the visa petition phase, it will be necessary to submit documentation demonstrating the employer’s ability to pay the employee’s salary. This will usually be a federal tax return, or for larger companies with 100 employees or more, a letter from the chief financial officer, or an annual report. In addition, it is at this step that we will be submitting documentation regarding proof of your education and experience. Therefore, at that time, you will need to provide diplomas, transcripts, and letters from previous employers, as necessary for the employee. Normally, our office requests those items at the initiation of the labor certification process. This process is currently taking 8-12 months to adjudicate. At this stage you may opt to obtain your Immigrant’s Visa at a consulate abroad or file for an application for permanent residence as explained below.

    The Final step: Application for Permanent Residence (Form I-485 and Form I-765)

    This phase, applying for permanent residence status, can be concurrently filed with the visa petition and completed without the prospective employee leaving the United States only if the following two conditions are met: 1) a visa number is currently available in the employment-based preference category under which the petition is filed; 2) the prospective employee is eligible to apply for adjustment of status to that of permanent resident . If this option is available, the petition and the application for permanent residence are currently taking about 3-24 months from filing to decision. However, in the meantime, the prospective employee can apply for and receive an Employment Authorization Document based upon the pending application for adjustment of status in approximately 90 days. Again, our office can assist in preparing all the forms and ensuring that the supporting documentation is complete.

    If a visa number is NOT currently available in the employment-based preference category under which the petition is filed, then the application for permanent residence cannot be filed until the visa petition is approved and a visa number becomes available. In that case, there would be no pending application for which adjustment of status on which to base an application for an Employment Authorization Document.

    On the other hand, if the visa petition is approved, but if the prospective employee is not eligible to adjust status to that of permanent resident without departing the United States, the prospective employee will have to depart the United Sates and obtain his or her visa from the U.S. embassy (or a consulate) at his or her home address outside the U.S..

    At this stage, the prospective employee must begin obtaining the following documents if he or she does not already have them in possession.

    1. a birth certificate of the employee and any family members;
    2. a marriage certificate if married;
    3. divorce decrees or other proof of the termination of any prior marriages;
    4. current passport(s) valid for at least the next year or two;
    5. police certificates from any country in which he/she has resided for more than one year after the age of 16 (this is only required if you will be processing through an American Consulate outside the United States); and
    6. a military certificate if he/she has served in his/her country’s military (needed only if you are processing abroad).

    While the labor certification is probably the most difficult part of this process, the paperwork and documentation for permanent residence are also rather involved. At the permanent residence application stage, the Immigration Service (or consular office) will be interested in whether the employee has (1) been a member of the Communist Party or similar groups, (2) been arrested or convicted of any crimes, (3) suffered any attacks of insanity, or (4) lied to obtain a visa, worked in the United States without permission, or failed to maintain status in the U.S.

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