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Showing posts from September, 2009

Loteria de Visas 2011

Lotería de Visas 2011

Sorteo arranca el próximo 2 de octubre

Las solicitudes al sorteo se envían por internet. El gobierno estadounidense reiteró que el concurso es totalmente gratis.

El Departamento de Estado anunció el jueves la apertura del sorteo de la Lotería de Visas 2011. En un comunicado, la cancillería estadounidense detalló que la apertura de la ventana para la recepción de solicitudes vía internet inicia el mediodía del 2 de octubre y cierra el mediodía del 30 de noviembre.

Se estima que este año participarán entre 8 y 11 millones de concursantes que se disputarán las 55 mil residencias (green card o tarjetas verdes) que cada año se entregan por mandato del Congreso a extranjeros provenientes de países de baja admisión o bajo nivel de inmigración a Estados Unidos.

Fechas del sorteo

El gobierno estadounidense advirtió que para el sorteo 2011 regirán casi las mismas reglas que prevalecieron en el sorteo anterior.

Brasil, Colombia, El Salvador, Guatemala, Perú, México, Perú y …

Requesting Advance Parole before Traveling

USCIS Reminds Applicants for Adjustment of Status, Asylum, Legalization, and TPS Beneficiaries to Obtain Advance Parole Before Traveling Abroad

WASHINGTON – U.S. Citizenship and Immigration Services (USCIS) reminds individuals that they must obtain Advance Parole from USCIS before traveling abroad if they have:

• been granted Temporary Protected Status (TPS);

• a pending application for adjustment of status to lawful permanent resident;

• a pending application for relief under section 203 of the Nicaraguan Adjustment and Central American Relief Act (NACARA 203);

• a pending asylum application; or

• a pending application for legalization.

To obtain Advance Parole, individuals must file Form I-131, Application for Travel Document, which is available in the Related Links section of this page.

Advance Parole is permission to reenter the United States after traveling abroad. Advance Parole is an extraordinary measure used sparingly to allow an otherwise inadmissible individual to enter th…

U.S. Citizens and Surviving Spouses

USCIS Update: USCIS Issues Guidance for Surviving Spouses of U.S. Citizens Deferred Action Authorized for Certain Spouses and Children
WASHINGTON - U.S. Citizenship and Immigration Services (USCIS) today issued guidance on requesting deferred action for surviving spouses of U.S. citizens who died before the second anniversary of their marriage. Surviving spouses qualify for this temporary program if they were married to, but not legally separated from, their U.S. citizen spouse at the time of that spouse's death; did not remarry; and are currently residing in the United States.

Surviving spouses qualify for deferred action regardless of whether the U.S. citizen spouse filed a Form I-130 petition for them. Surviving spouses may ask to have their qualifying children included in their deferred action request. To be considered a "qualifying child" of a surviving spouse, the child must be younger than age 21 or otherwise qualify as a child when the deferred action request is su…

First Home Buyers Tax Credit

First-Time Homebuyer Credit Questions and Answers: Homes Purchased in 2009
Q. Is the IRS currently accepting e-filed returns that claim the new $8,000 homebuyer credit in/for the 2008 tax year?

A. Yes. Taxpayers can file Form 5405, First Time Homebuyer Credit, electronically for home purchases in 2008 to claim the first-time homebuyer credit. IRS began processing these returns electronically on March 30, 2009.

Q. I plan to build a home and occupy it in 2009. Can I claim the first-time homebuyer credit now and use the funds toward the down payment or other ongoing construction costs?

A. No. To qualify for the first time home buyer credit, the residence must be purchased. By statute, a residence which is constructed by the taxpayer is treated as purchased on the date the taxpayer first occupies the residence. (05/06/09)

Q. I bought my home in 2009 (early) and filed my 2008 tax return claiming the $7,500 first-time homebuyer credit that has to be repaid. Now the expanded law provides for…

Tax Preparer New Rules

Updated Rules for Tax Preparers (Updated 12/18/2008)
Taken from : IRS Website
New regulations under Internal Revenue Code Section 7216, Disclosure or Use of Tax Information by Preparers of Returns, become effective January 1, 2009. The new regulations update regulations that have been substantially unchanged since the 1970s, and give taxpayers greater control over their personal tax return information. The statute limits tax return preparers’ use and disclosure of information obtained during the return preparation process to activities directly related to the preparation of the return. The regulations describe how preparers, with the informed written consent of taxpayers, may use or disclose return information for other purposes. The regulations also describe specific and limited exceptions that allow a preparer to use or disclose return information without the consent of taxpayers.

Revenue Procedure 2008-35 supplements the regulations, in particular Treas. Reg. Section 301.7216-3, and…

Building a better relationship with your Mother

Book Title: The Mom Factor By: Dr. Henry Cloud and Dr. John Townsend
Our relationship with our mother affects our ability to trust and to love and receive love. The way that we experience security, freedom, healthy self esteem, and connection with God is strongly influenced by the kind of mothering we received.

We need honest friends who will confront us when we are not seeing reality

Our Response to Mothering:

If you had difficulties mothering, you may have built up defenses such as withdrawal, angry control, and compliance to resist the mothering process n general. Then, when mothering is available, you fail to respond. If you are serious about responding to mothering available to you, following are the tasks you will need to accomplish.

1) The first task is to come out of the world of your own head and experience. You must make contact with the outside world. Here is how you do this:

a) A support group

b) A professional therapy group

c) Individual counseling

d) A regular meeting w…

The Home Valuation Code of Conduct


The Home Valuation Code of Conduct (the Code) is the result of a joint agreement made in March 2008 between Freddie Mac, the Federal Housing Finance Agency (FHFA), and the New York State Attorney General to enhance the independence and accuracy of the appraisal process.

As part of this agreement, we held an open comment period from March 14 through April 30, 2008, to solicit comments on the Code from Sellers and other industry participants regarding operational challenges, clarification of terms, and unintended consequences of the Code. All feedback was provided to FHFA and the New York State Attorney General and was used to develop the revised Code.

The revised Code has been added to the Guide as Exhibit 31, Home Valuation Code of Conduct. The revised Code provides enhanced protections for homebuyers, mortgage investors, and the housing market.

Effective Dates

Effective May 1, 2009, Freddie Mac will no longer purchase mortgages from Sellers that do not adopt the Code with …

Real Estate Investment 101

Written by: Broderick Perkins

It could be a good time to invest in real estate, given the abundance of foreclosures and other distressed properties with reduced prices.

It could also be a bad time to invest in real estate, if you don't know what you are doing.

There's the rub.

It's a good time to invest, but it is difficult. Now when you go out to invest you are competing with a dozen offers. The investors are back.

Just like buying a home to live in, taking the real estate investment plunge requires taking stock of your financial goals, planning and lifestyle before taking the plunge.

Pretty much like buying any property.

If you've got the time, the money and the lifestyle that lends itself to managing a real estate investment, you are just about half way there.

However, both halves are pretty big halves.

The National Real Estate Investors Association says you've still got a lot of work to do. Here's how much.

Buy your own home first.
The general rul…

Major Campaign To Extend $8,000 Home Buyer Tax Credit Underway

By: Kenneth R. Harney

The House and Senate may have left Capitol Hill for their Summer break, but housing lobbyists are busy at work gearing up a major campaign to extend the $8,000 home buyer tax credit.

The credit for first-time purchasers is scheduled to expire November 30.

The National Association of Home Builders and the National Association of Realtors want to persuade Congress to nail down an extension of the credit, and maybe even broaden its coverage, as soon as possible.

The home builders are mounting an aggressive campaign during the congressional recess. The association is sending out local teams of members to meet with congressmen and senators in their home districts, urging not only a one year extension of the credit, but an expansion of the concept to cover all home buyers next year, not just first-timers.

Though the endorsement may, or may not, have been connected with the home builders' campaign, one of the most politically powerful Democrats has already sign…

Diversify Your Retirement by Adding Real Estate to Your IRA

By: Matthew R. Rasche

A lot of people are struggling with how to invest for their retirement. I have had clients come to me and say that their retirement fund has been set back 10 years. They don’t want to work an extra 5 years to re-fund their retirement and are looking for a better way of doing things. I often explain to them how they can use a portion of their retirement funds to invest directly into real estate and bypass Wall Street by using a self directed IRA.

The first concern my clients have is, "I checked with the company that services my IRA and they won’t let me buy real estate. I can only hold stocks, bonds and mutual funds." Most of your typical brokerages will not let you hold Real Estate. Real Estate is considered an "alternative asset" when it comes to retirement accounts. There is a special "Self Directed IRA" which is designed to hold alternative assets; primarily real estate. Not many brokerages offer these types of accounts because t…

U.S. Bankruptcy Judge's Ruling Could Change Foreclosure Laws Nationwide

Published on Friday, August 14, 2009, 3:08 PM Last Update: 3 day(s) ago by Kimbrough Gray

Category: All Articles » REO's and Foreclosures
Mortgage Electronic Registration System (MERS) has been used by lenders nationwide to track mortgages via the system's database. Lenders who are members of the program are represented in the enforcement of a promissory note secured by a mortgage. A U.S. Bankruptcy Judge in Nevada ruled earlier this year that MERS could no longer represent lenders foreclosing on homeowners in bankruptcy unless the actual loan document could be produced.

Typically, a mortgage note goes through several iterations of sale to different mortgage lenders, which makes it difficult to produce original loan documentation. When lenders begin foreclosing on homeowners in bankruptcy, the original note is often not available.

MERS is a program that was initiated by several lenders over 20 years ago to simplify the complicated mortgage process. The system is designed to …

How do you react to change?

Managing Your Mind
By: Gillian Butler, Ph. D and Tony Hope, M.D.
Recognizing that you can change
Different people respond to differently to pressures for change. I like this book because it gives so many examples on how to do things better, and become a better person for yourself, your family, and friends. The authors gave an example of five caricatures, which reflect specific patterns that people use when dealing with change, and/or conflict. They said, there are five caricatures which help us recognized certain elements about how we cope with change by developing a particular style of response. Each of these five styles has both advantages and disadvantages according to them. I am writing them down so you can analyze and see if you follow any of these patterns when reacting to change.
The five caricatures are:
1) The Sage - Is the person who seeks after knowledge and reads all about it.
2) The Traveler – They assumed that because we are constantly on the move, we must be go…