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When filling out form I-864 for a Fiance(e) Visa, what is the difference between doing (1) co-sponsorship and (2) including a house member in co-payment of the minimum financial requirement (i.e., attaching the form I-864a to I-864)?You don't do I-864 for a fiance visa. You do an I-134.
Which expat financial services are scams and which are actually legitimate?I haven't run into any real scams here. The two types of expat financial services I've run into are either those that provided by a huge financial company, or those that are provided by mom-and-pop accounting firms (you can get a list from the US consulate website).The big accounting firms have terrible service, and their advice really isn't that good, but they aren't scams, and the only reason to use them if the company provides them for free. The mom-and-pop companies have much, much better advice and service, and you can just use your good judgement to see if they are scams.I think the reason I've never run into an outright scam is:1) the service providers don't take all of your money. When you have someone do your taxes, you just pay them a fee. They don't have access to your bank account, so there's no way they can really scam you.2) all of the information they tell you can be verified. An accountant tells you that you have to fill out forms X, Y, and Z for your taxes, and you go to the IRS website and it says that you have to fill out forms X, Y, and Z. The accountant tells you this in plain English and there are sometimes some weird interactions that you haven't seen, but they aren't telling you anything that you can't verify as true for yourself.The only expat financial services I've ever used involves tax preparation, because tax prep for US expats is total hell. The final tax rates are actually pretty low, since there are nice deductions and credits, but my US tax forms for my first year in HK was 100+ pages (seriously), and my accountant had to create some custom forms because there are some tax issues that the IRS has no form for (for example, the fact that the HK and US tax years are different so you have to create your own form telling the IRS how you are splitting your tax credits/deductions between the two years). I just had to use the accounting firm for one year, since once they should me how to fill out the taxes, it's something I can do by myself with software.Other than paying taxes, I've never had reason to use any expat specific services. There are some gotchas with HK investments, but you can get information from your co-workers. There are two or three things that I wish I knew ahead of time (i.e. how pensions work in HK), but the trouble is that those things could be written down in one paragraph, and it's not the basis for any sort of financial service.(Also the thing about pensions is that I assumed that the employer match in HK was like the US 401(k) where things go into a special account which I had to weight until 60 to get or I left HK. Since HK pensions are completely taxable in the US, I didn't contribute that much, since I had to pay US tax on it and the employer match.What I didn't realize until I changed jobs and got a big check, was that most of the pension is given to you when you switch jobs. If I had known that I would have put a lot more money into the pension than I did.)
How can international students pay for college in the United States?James Allen's answer was great, as are all the other answers here. But I'd just like to point out something to you. Conventionally, paying for college in the US is far too large of a burden for a young person like you or me to imagine undertaking. Unless you've already seen your first $60k pay check, it's unlikely that you'll be able to sustain yourself in the US.In fact, immigration services make it very clear that international applicants should NOT expect to be able to pay for anything on their own; they should plan to be and remain completely dependent during their time in the US. And I agree with them. Just because you're starting big boy school, doesn't mean you'll find big boy money. Remember, it's taken your parents a lifetime to build the funds to send you to school in the US. What makes you think that 2 months into your degree you'll have found something that will help you put a dent in that tuition bill? That being said, here's the encouraging part. There are ways that you can lessen the burden on your parents. Simple things like not asking for an allowance, funding your own food/housing, air travel, and entertainment, all help your parents breathe a little easier and are within your financial signNow. I've made it a point not to ask my parents for pocket money until I know that I have a big payment due and I won't be able to meet it (like housing deposits). But there are some ways to raise the couple hundred dollars per semester to become (somewhat) self-sufficient. These all fall under on-campus employment. Here are some of the popular employers on your campus:Dorms. These buildings need people to man the front gates, so there is an opportunity for minimum wage, flexible schedule work, simply for sitting behind the desk and scanning student id's.Residential living. Most dorms have Residential Assistants, who are students who live in the residence halls and assist the administration with keeping the students engaged with on-campus activities and keeping them out of trouble. They can be the police, or the mentors, of the dorm, depending on what kind of RA they see themselves as. This job is great because it comes with free housing for the year (!), some free on-campus dining funds, and a small stipend (a couple hundred dollars per term), and it usually carries over from year to year. This one is VERY competitive though, so don't be too bummed if you don't make the cut (my school had a 2% acceptance rate out of all the applicants; I didn't make the cut and applied twice). This job is particularly difficult as well; you have to be a near perfect role model, be very organised (balancing school and RA responsibilities), be good at engaging people, and always be open to responding to emergencies/students' concerns. Some things RA's do weekly are:design and hang posters/information on board about campus activitiescheck the hall at certain periods to make sure nobody is misbehavingbe "on-call", which means that you have a phone that you respond to any time, come rain or shine, and address the problemscounsel and mediate residents' problemsattend weekly meetings to report incidences and track residents' behaviourIntramural sports game refereeingStudent magazine writerResearch assistant—this is a big one, and an important one if you are in a scientific field. Be sure to get involved in research early! Some are paid and some aren't, but research on your resume is great.There are also a lot of odd opportunities that come up throughout your time, such as research fellowships and scholarships. So keep an eye out and don't hesitate to apply for anything. But most importantly, remember that your tuition is not your burden! At least not yet!
Do you love your job? If yes, what do you do? If not, what do you love to do?I’m an entrepreneur and I adore it.It’s the most real job I’ve ever had. Every failure and every success is directly up to me and it’s incredibly empowering.Also, I love learning and it’s constant learning and figuring stuff out. Recently I learned that Whole Foods and Target review new product submissions on one website - you just upload all information and let them take a look - how convenient is that? I uploaded my MommyGO on there but I’ll still try to approach local stores directly.Another thing I’ve learned is - FaceBook has built-in forms where if you advertise something, clients can just sign up with one click of a button and their e-mail and name will be automatically submitted to business - no need to fill anything out. I’ve had a ton of sign ups from Quora and encouraging messages - THANK YOU, these made me tear up.Two things I am currently researching are:How to get a good responsiveness out of my co-packer (basically, manufacturer). Most are very busy and not very responsive, so I am nervous on relying on someone like that for production.Connecting with mommy bloggers and influencers - it’s such an awkward dance. So.. eh… do you … want to … try my … product?On the other hand, I’ve discovered that several major decisions I’ve made in this business and my Superb Maids were correct, despite me basically guessing them and not knowing what I was doing. It feels great: “Yessss… I am not dumb! I did it right! Hurray!”
Is it possible to activate a deleted Facebook account?Facebook is a useful tool for connecting with co-workers, employees, customers and members of the community. If you want to make use of this social network but have deleted your account, there is no need to worry. Unless you filled out a form specifically stating that you wanted to delete your account with no possibility of recovery, the developers at Facebook have made it quick and easy to restore your account and begin signNowing out to those business contacts once again.1. Navigate to Facebook in your Web browser.2. Enter the email address and password associated with your deleted Facebook account.3. Click the "Log In" button. You have successfully reactivated your Facebook account.TipIf you can't log in because your account has been compromised, you will need to contact Facebook in order to resolve the matter and reinstate your account.
Why are British people so proud of the NHS?Why are the British so proud of the NHS? Because it saved most of our lives, resulting in increases in life expectancy year-on-year until the Conservatives took over government in 2010 and started privatising parts and starving it of cash.Let me tell you a story about my life. My maternal grandmother was caught in a bomb during the Second World War and became a Type 1 diabetic after her pancreas failed. Now my grandfather was a successful amateur musician and owned many expensive musical instruments. But before the NHS was founded he had to sell all of them to pay for to keep his wife alive. He was saved from bankruptcy and she was saved, period, by the NHS.Being diabetic my grandmother had difficulties with childbirth and had many still-born children. Only my mother survived, thanks to the NHS.My father suffered from schizophrenia. He was admitted to mental hospitals for treatment until the best medicines were found to allow him to rejoin society and work to support his family, thanks to the NHS.My mother suffered from high blood pressure. This increased severely during pregnancy but she safely delivered my brother and I, thanks to the NHS. In her middle-age she became asthmatic but received treatment free of charge, thanks to the NHS. In her old age heart surgeons discovered she had a defected valve and clogged arteries, so she was given a double bypass free of charge on the NHS. She is now fit and well, living out her eighth decade.When my brother was born he was four weeks premature and weighed only 4 pounds 5 ounces. When he was born the umbilical cord wrapped around his throat and he didn’t breath for several minutes. But he survived and is fit and well, and the condition of his birth has had no lasting effects, thanks to the NHS.As a child I was long-sighted, with a lazy eye, and wore down my shoes due to weak ankle muscles. On the NHS I was given glasses, eye patches and supports for my shoes to prevent them from wearing out. Now I don’t wear glasses, don’t have a lazy eye and walk perfectly normally, thanks to the NHS.A couple of decades ago I was knocked unconscious by a thug in the street where I lived. I was found on the pavement by an off-duty police officer who called an ambulance that took me to my local emergency unit. There I was treated for concussion. All free of charge, thanks to the NHS.A couple of years ago I badly cut my knee on a broken ceramic basin at home. I patched it up as best I could and drove to my nearest minor injuries unit where I was quickly treated by a nurse, who bandaged up the wound and gave me a set of clean dressings to replace the ones he had used. All free.I could go on. But the reality is that virtually everyone in the UK owes their lives to the NHS. Yes it costs us some tax, but having a state founded health service makes treatment a third of what it costs in a private system such as that present in the USA. The poor can be treated just as easily as the rich, although the rich pay for the NHS through their taxes, the cost is probably less than private medical insurance due to NHS bills being a third of equivalent American bills.National Insurance, invented by the Liberal Party and expanded by the Labour Party, is an insurance premium that looks after the NHS, pensions and out-of-work benefits, so no-one should be sick, hungry or homeless in the UK. Unfortunately the two Conservative governments of Thatcher/Major and Cameron/May have implemented cuts that weaken the power of the NHS and cut benefits, to save money while ignoring the effect such cuts have on the health of the nation and the economic impact that increased sickness and poverty has on the economy. Nevertheless, the NHS, implemented by Aneurin Bevan when the UK was in vast debt to the USA after WWII, is the most splendid example of what a government can do if it invests money for the good of all by taxing the richest to save the poorest. As Nye Bevan said, “No society can legitimately call itself civilized if a sick person is denied medical aid because of lack of means.”And this isn’t just a nostalgic view of someone that’s come out of the rationing of World World Two, with the illusive hope of modernity glistening in his watery eyes. This is the belief of many still today. As the actor Michael Sheen put it, “In 1945 Aneurin Bevan said: ‘We have been the dreamers, we have been the sufferers, and now, we are the builders.’ And my God, how they built. And what they built. Every bit as much a wonder of the world as any architectural marvel, or any natural miracle … The National Health Service. A truly monumental vision. The result of true representation. Of real advocacy. A symbol of equality, of fairness, and of compassion.” (The Guardian, 2 March 2015, Full text of Michael Sheen's speech) This is why the British are so proud of the NHS, and why it is the envy of so many nations around the World - even now in its weakened form, once again starved of cash by more Tory cuts and plans for irrational and expensive privatisation to extract profits from the sick and the poor.
What are some of the biggest red flags in an interviewee?I've interviewed candidates for both permanent and contract positions.For a permanent position, red flags are:Mr Angry: This may sound cliched, but bad-mouthing your last boss or employer is a big red flag. You don't have to lie about your reason for switching, and everyone knows that sometimes you're stuck with the wrong boss. But a professional is expected to take things professionally - not personally - and the way you express yourself reflects that. I do appreciate someone telling me that their job did not meet their growth aspirations (read as "wasn't getting promoted") - that's OK.Mr Jumpy: This is relative. For a highly skilled candidate (as assessed during the interview), annual job hopping could be OK, but for an average candidate it's not. Hopping jobs voluntarily every few months is a red flag for anyone seeking a permanent position.Wolf in sheep's clothing: One of the open-ended questions I like to ask is for the interviewee to describe one of his/her most challenging projects. If a person I'm interviewing for a hardcore coding role starts talking about cost overruns, then I might wonder if his/her interests align with the role I'm trying to fill.Nothing to gain: I am very interested in learning why someone wants the role being offered. Weak, generic answers such as "I've heard a lot of good things about this company" don't really cut it. There must be something non-monetary and convincing that the candidate can benefit from in the role - and he/she should be aware of what that is. I usually fill roles with slightly underqualified candidates, and very rarely with overqualified ones.Trust me: I've had candidates being dismissive or overly brief when asked to explain the reasoning behind a specific approach. The justification would often be that they're the expert at it, or that they've worked for companies that were far more advanced in that area than us. "Trust me, I'm an expert" is not valid reasoning and the person wouldn't fit in a culture that strongly discourages "because I say so". Flaunting a famous alma mater too often in an interview as a way to establish credentials is a red flag as well. I'm interested in who you are, not where you've been.Sarah Palin: Poor language skills isn't a deal breaker, depending on the role. Nor is being introverted or reserved; some of our smartest coders take time to warm up. But poor listening skills, i.e. repeatedly misunderstanding questions (whether intentional or not), is a red flag and is indicative of someone who can bring down the productivity of the entire team. Paraphrasing a question to make sure you understood it, on the other hand, is encouraged, as is saying "I don't know".Tardiness: Being late for an interview without prior notice (even a few minutes before the start time is fine) is a major red flag for most roles. It is indicative of either a lack of interest, or personal nature. Some brilliant people are tardy by nature, and can be quite successful despite it, but brilliance rarely makes up for tardiness in a team setting. A 'no show' is worse, whether it's for an interview or the date of joining. I'm inclined not to consider such candidates for any future position, even if I switch jobs myself.Unwarranted over-confidence: Being self-assured is generally good for many roles. Unwarranted over-confidence is when you act like you know what to do in every situation, when you obviously don't. Over-confidence is becoming more and more prevalent among junior hires, presumably because self-confidence is constantly ingrained in them in schools and college, so I've had to relax my standards as well. The bottom line is that a candidate needs to show a willingness to learn and adapt.The I-Player: This is relatively minor, but relevant nevertheless. When describing past projects and accomplishments, I expect a healthy mix of 'I' and 'we'. Too much 'we' could indicate a freeloader, and cause me to probe further on individual contribution. Too much 'I' when describing projects that are obviously team efforts can indicate a poor team player who does not attribute credit where it's due.Air-time hog: This one is a personal pet peeve and is hardly universal. I am biased against air-time hogging, i.e. when someone seems overeager to talk when he or she has nothing worthwhile to add to the conversation. This is strictly YMMV - some interviewers interpret this positively as eagerness, but I see it as a waste of time.Fence-sitters: Making a job change is often a major decision, and I can understand that. I'm always happy to explain to a candidate why I think he or she could be a great fit, and to give him/her extra time to take a decision. However, once a negotiation is mutually complete, it's done. Trying to re-open negotiations on receipt of a 'better' offer elsewhere, or repeatedly extending the date of joining with no good reason, is a red flag - I don't consider such candidates even if he or she is worth the higher offer. I'm more inclined to consider such candidates for future opportunities if he or she politely and promptly informs us that he or she isn't joining.
How do you know if you need to fill out a 1099 form?Assuming that you are talking about 1099-MISC. Note that there are other 1099s.check this post - Form 1099 MISC Rules & RegulationsQuick answer - A Form 1099 MISC must be filed for each person to whom payment is made of:$600 or more for services performed for a trade or business by people not treated as employees;Rent or prizes and awards that are not for service ($600 or more) and royalties ($10 or more);any fishing boat proceeds,gross proceeds of $600, or more paid to an attorney during the year, orWithheld any federal income tax under the backup withholding rules regardless of the amount of the payment, etc.