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FAQ

How can I immigrate to the US?
1. Have a relative that is a US citizen and qualify for family re-unification immigrant status - Might have to wait for 10 years for the application to be completed.2. Marry a US citizen, with love, commitment and survive at least 2 years and pass the immigration test that it is not a marriage of convenience.3. Study at a US college, get an advanced degree (Masters) and find a job where the employer will apply for HI-B, continue for 4 years and then apply for permanent resident green card.4. Emigrate to Canada ( with a high-scoring skill), wait 4 years, become a Canadian citizen, get a Job as a specific professional category in the USA under treaty NAFTA, get TN-1 work visa and apply for a green card permanent resident status.5. Have $500,000 to a $ 1 Million as an Investor, with the view to set up a company in the USA, employ at least 10 US citizens for at least 2 years ( so you probably need to have at least $5million USD available to make that work. )Apply to be made a permanent resident before the end of the 2 years.6. Apply for and win a slot of the US Diversity Permanent Resident Green Card Lottery.5. Come as a person of international renown - like a famous actor, singer, musician, Sports person especially in an Olympic sport or for an American Professional Sport club (Basketball, Baseball, American Football), Nobel Prize winner or innovative inventor, as America likes 'winners' and famous people.6. Try for the small amount of Professional H1-B work visas if you have an employer that would sponsor that, wait 4 years and apply for Permanent Resident/Green Card.That is all depending on the current Government, congress, and President not barring you because of Country of Origin, Religion - and you have some specific ability or talent. Additionally, the Immigration Law is one of the things that may get overhauled completely as President Trump has it on his to-do list.There may be a re-instatement of all visa applications being denied, revoked or halted from many countries including primarily Muslim Countries and terrorist supporting regimes.Also, if you do get to the USA somehow, you must not use any public funds (grants, unemployment or social security welfare) or commit any crime or be arrested or convicted of any violation of sometimes archaic and biased laws, where ignorance of the law is not a defense. It could be a pattern that some biased and bigoted law enforcement agencies may as well as harass you find some way to arrest and charge you for being not from the USA. The Statue of Liberty and the 'Bring your poor and tired masses' welcoming immigration to the USA is long gone, and if the Statue of Liberty could move I am sure that she would stomp north of the border and settle down off of Newfoundland, Canada!Some example of Obscure laws still valid in some states include : Do not cut down a Cactus in Arizona, otherwise 25 years in jail is the maximum penalty;Do not sell your eyeballs in Texas.Do not go fishing without checking and obtaining a fishing permit, particularly in Federal,State, County or City owned land or sea shore. (A Chinese couple, a customer of my wife for real estate, were deported for not obeying this law and lost their 'green cards'.)Do not sell a toothbrush as well as toothpaste to the same customer on a Sunday in Rhode Island.So the American Dream may only be a mirage, my friend, unless you have great luck and skill and patience !
How can I use Quora to make money?
Ah! If there ever were a question just for me, this one is is probably it.I’ve been making a significant, mostly passive income from Quora for about a year now. Admittedly, I only stumbled into it.I had only discovered Quora just a few months prior. I was working a summer internship in a city separate from most of my friends, so I had a lot of spare time on my hands. Having always been a voracious reader, Quora kept me up a bit too late many or most work nights that summer.At some point, I began to feel a little guilty learning so many amazing things from other people and not giving back myself. So, I started writing answers to questions in the e-commerce and distribution space. I had been working independently in e-commerce for 8 years, and my internship was at a Fortune 200 distribution company.It’s worth noting that the thought of putting so much effort into writing these posts with the potential to reach tens, even hundreds of thousands of people made me super nervous at first. The first few times I hit submit, I immediately stood up and paced around a bit to shake it off.While most of my initial answers received very little attention, one blew up. The response (upvotes, comments) was tremendously positive. It was a great feeling.Around the same time, I was also reading quite a bit about affiliate marketing. I knew what it was all about from previous reading. After all, I had spent 8 years selling physical products online.For those of you not familiar, affiliate marketing allows you to make a commission selling other people and company’s products online, without actually fulfilling product orders or serving customers. You just have to make the introduction. You don’t have to be hired. You just post a link to the product or service that is unique to you, and software tracks any sales that result from your recommendation. The software knows that buyer purchased after clicking your link.Finally, I decided to give it a shot. There were services I was already mentioning and linking to in my answers that had affiliate programs themselves, so I swapped my links out for affiliate links.Within 30 minutes, I made one $30 commission.I immediately did the math to calculate how much more money I would make that day. $30 every 30 minutes… 12 hours left in the day… Holy #$%^!!!I didn’t make a penny more that day. But over the course of the next couple weeks, I did quite well.As it turns out, you can’t just drop affiliate links wherever you please and without disclosure. It violates Quora’s policy, and disclosure of affiliate links is required by the Federal Trade Commission.This goes for most 3rd party platforms like facebook, LinkedIn, Medium, and reddit as well— even though you create and contribute the content yourself.Now, if you still want to make money from affiliate marketing on these platforms, the key is to build blogs relevant to what you are writing about. That way, you own the platform and what kind of links you post are up to my discretion (so long as affiliate relationships are disclosed).Then you can post really informative, helpful content on 3rd party platforms like facebook groups, Quora, and reddit to cultivate an audience. From that content you can link to supplementary resources on your blog where you are free to use affiliate links and earn commissions. If that content is great as well, people will continue to read your content, use your links to support you financially, and share with friends.Let’s explore an example of how this works in practice:Did you know many credit card companies offer 0% interest as an introductory rate for the first X months of having their credit card? Did you know credit card companies also pay hefty affiliate commissions for successful referrals?During my senior year of college, I was a little strapped for cash. I had money, but most of it was tied up in my online businesses and/or stocks. However, I had a job lined up for after graduation, so I knew I would have cash coming in soon.All of my friends were taking senior vacations. I didn’t want to ask my parents for money— they had covered enough.So, I opened a few credit cards with 0% interest for 6–9 months. During the second semester of my senior year, I partied through an online marketing conference in Vegas, visited a friend in NYC, went skiing in Colorado, searched for housing in KC, and spent a weekend at the lake.I paid the cards off in the first couple months after graduation using my salary.Now, it’s not the smartest financial decision I’ve ever made, but I’m not the only college student who would enjoy living it up a bit during senior year despite a lack of funds.How can I make money on that?Easy. Tell the story around Reddit, facebook groups, Quora, Medium… Link from those posts to a blog post titled something like “Top 10 Credit Cards Offering 0% Interest.” That blog post would compare the pros and cons of each, and link to applications using, you guessed it, affiliate links. Links to credit cards paying me $50, $100, even $150+ for a signup.Again, it doesn’t stop there. Readers will enjoy the content. They will share with friends. They will come back for more helpful content again and again, assuming I keep it coming.Building the blogs themselves is a piece of cake these days. Here’s a 5-minute how-to. You don’t need to know how to code, you don’t need to be an expert designer— even the writing is made easier with tools like Hemmingway App.You can find affiliate products and services to promote with a simple google search. There are a lot of spammy products out there which are no good for your readers, nor your reputation.While many companies run their own affiliate programs independently, many utilize affiliate networks to manage the link tracking and connect with people who will promote their products. Affiliate networks are great places for you to find products and services you can promote.Here are just a few:Amazon: That’s right! Amazon has an affiliate program for nearly everything listed. Commissions vary. The interesting thing about Amazon is that you will not earn commissions solely on what you link a reader to, but everything they purchase in the next 24 hours!Share-a-Sale: Home to more than 3,900 affiliate programs— Share-a-Sale is sure to have something for your niche. Not only do their advertisers, pay for referred sales, many pay for clicks and ‘leads’ too. My personal favorite.Rakuten: One of the oldest networks around. Rakuten is known for its intuitive interface and over 1,000 advertisers, including many well-known brands.FlexOffers: Many well-known companies use this network, including Macy’s, HP, and Hallmark, along with a variety of lesser known companies.Commission Junction: Probably the #1 affiliate network overall, CJ is home to many of your household names. Credit cards, banks, insurance, security, real estate, fashion, you name it. Because there are so many big name advertisers here, competition can be stiff. You may actually have to apply for programs, and your site will be held to a higher standard.To sign up for a network or affiliate program, you will want to opt in as a ‘publisher’ (‘advertisers’ are who you promote for). Most will require that you provide a link to your blog. Again, you can set up a blog in very little time (video tutorial here). Hosting your blog will cost just less than $1/day, or 66 cents if you pay annually.If you provide good content for people, not only can you expect affiliate commissions, but generally people will reach out to you for consulting, coaching, friendship, business propositions, and more, depending on what you write about.Plus, anytime you have influence like that, there’s always the opportunity to sell your own info product, for which you can recruit other affiliates to sell for you.Best of luck!BONUS: I’m trying to get out of my comfort zone and do more public speaking of sorts. Recently, I did a podcast with Google Product Strategist, Sonali Mangal. As it turns out, getting a lot of exposure on Quora is a bit of a science. You can’t just write an answer and expect lots of views. Sonali and I discussed what works and what doesn’t on Quora. Listen here and enjoy!
How much do you really need to retire?
How much money do you need to retire? Ask Google!The first page gives you a wide range of numbers, mostly between $1 million and $2 million.Of course, most people retire with less than that. They make it work.Here’s my advice: stop thinking about retirement in terms of absolute numbers. It is all relative.One of my longtime readers, Neile Wolfe, of Wells Fargo Advisors in Austin, TX has an elegant solution to the problem.Neile is a fellow divergent thinker and is, hands down, the most thoughtful advisor I have ever met. Look him up.Here Is the IdeaTake the market value of your house, and multiply by .3. That is the income you need in retirement.Take that number, and divide by .04. That is the value of the assets you need to retire with.Let’s do an example.Let’s say you are fairly well off, and you live in a house whose market value is $1.4 million. Not what you paid for it—the current market value.(You can look it up on Zillow if you don’t know, but my guess is you have a good idea what your house is worth.)So take $1.4 million, and multiply by .3, which gives you $420,000. That is the income you are going to need in retirement.You probably think that number is high, and that you can get by on less than $420,000. Let me tell you why you can’t.First of all, $1.4 million houses are expensive to maintain. It will cost you, on average, 1–2% every year. 0% some years, and 5–6% other years. But that is the least of your problems.If you live in a $1.4 million house, you live in a pretty nice neighborhood. Those houses have pretty nice cars in front of them, and so will yours.Maybe you think you will have an old rustbucket sitting in front of your $1.4 million house. Then you will be that guy.If you are living in a $1.4 million house, you are not buying your clothes at Old Navy.You are not getting your furniture from Bob’s Discount Furniture.You are not getting your jewelry from Kay.You are not getting your groceries from Wal-Mart—you are going to Whole Paycheck.All of this stuff adds up. Your lifestyle, and all the money you spend, comes from the house that you live in, and the zip code that it sits in.If you really want to spend less money, get a smaller house!The house is everything. This is why people downsize when they retire. It isn’t really about needing less space. It’s about taking down your spending.Wait—it gets even better.The 4% RuleYou have probably heard of the 4% rule. It says you can safely withdraw 4% from your retirement savings annually during retirement.So if you have $1 million, you can take out $40,000 a year. Simple enough.Let’s go back to the example above. You live in a $1.4 million house and you need $420,000 to live on in retirement. How much savings do you need?$420,000 divided by .04 = $10,500,000.You will need over $10 million in savings. That’s a lot!You wouldn’t need $10 million in savings if you had a cheaper house. If you downsized into a $300,000 house, you would need $90,000 in income, and $2,250,000 in savings, which sounds about right.The house drives everything. The house drives everything. The house drives everything.Do the math with your own house. Or if you don’t own a house, use the market value of whatever property you’re renting.My friend Neile also points out that assets like planes, boats, and second homes all require their own stream of income. And so they should be included in the calculations.If the numbers don’t line up, you’re probably going to have to make some adjustments.Retirement Is RelativeImagine saving for retirement and thinking you have enough… and then you don’t have enough.It’s good to think of retirement savings as a moving target rather than a fixed amount. Then you’re in control of it!Part of the answer appeared in The 10th Man.
How does one get invited to the Quora Partner Program? What criteria do they use, or is it completely random?
One enters by receiving a private message of invitation, and responding to the invitation.This includes fulfilling the various requirements like setting up a Stripe account and linking it to one’s bank account in order to eventually receive payments.
How much money do we need to live life happily?
Okay.. I read a lot of such stuff and answer them in a “NO BULL” style!Yeah we all know happiness and money are two different words. And yeah we all know happiness is not dependent on money alone.Why fill sheets justifying the obvious (so many below answers on those lines)…?DISCLAIMER: I am not a hardcore “money is everything” believer. I however respect money for what it is, and what it can be if used correctly.Money buys you peace of mindMoney (obviously!) buys you comfortsMoney even buys you time, again, when spent correctlySo despising the idea of making money is foolish. It either speaks of one’s lack of respect for money, incompetence or plain ignorance.NOW back to the question. I am going to put my answer in the “Indian metro” context, strictly. Values may differ depending on which zone of the world you may belong to. And yes as some people already said - on your background/ starting line as well.(1) OWN PLACE TO STAY. I think that is the no.1 use of money. It buys you a home. Even when you have nothing going for you and have had the worst day ever; you need a place to come back, lie down and rest that tired body/mind, to freshen up for newer battles to come. Home gives you that comfort. Rental place doesn't give that security (have to part with money every month).For a small, nuclear family of husband-wife and 1–2 kids a 2-bhk in a decent location shall suffice. Add grandparents and you’re talking of a 3-bhk. Nothing more is needed (no incremental happiness in having a 4th room which is study/ store/ guest-room and nothing more!).Instead of that 4th room, you need a top-notch locality where there is a garden nearby; a gym, chemist shops, a good coffee shop etc. The works.I’d say (again reminding - Indian metro context) 1.5–2cr INR/225K-300K USD should do the trick.(2) SAVINGS/ INVESTMENTS. Again money-happiness is more of a mental thing. With your home sorted, you need a healthy corpus of savings/ investments which gives you cushion of a holiday now & then, an expensive gift for loved ones, a buffer in-case your regular income stops etc. These are all minor, mental games that we all play with ourselves.Again within the context, I will peg this number to be around 1–2cr INR/ 150–300K USD, in addition to the home of course! Home is NOT to be counted as an investment STRICTLY.Such a corpus invested wisely shall keep growing over time, yet allowing you little treats/ luxuries from time-to-time as you may wish.(3) REGULAR INCOME. It may be active or passive income, but it is important to have some in-addition to (1) and (2). This is the one that buys you necessities, comforts, luxuries and trade-for-time (employ domestic help, driver etc). Without much ado, I’d say this income to be 1.5L INR/ 2K USD a month.Ofcourse there is no upper side :) More the merrier. But beyond a point, you cannot spend more without losing the novelty of spending. I mean, having butter chicken from 5-star everyday will look/taste good for 4–5–6–7 days; but then it will start losing its value. Better eat that fancy meal once a week instead of everyday, so it retains its ‘value’, right?Give or take some; the final numbers would be 3–4Cr (includes house value) & 1.5L a month. All in rupees. God be kind to all.
What is the income requirement to sponsor an immigrant?
Three thousand dollars a month approximately for a family of 6. So 36 to 40,000 dollars. Housing food and clothing for a year ! There are different regulations applied depending on whether you are sponsoring a refugee or sponsoring a family member to emigrate to Canada. Basically you have to have sufficient income to look after all their needs without relying on public subsidies or programs. Health costs could be the most significant as I believe OHIP does not kick-in until 3 months after arrival. I believe that the federal government has a special health insurance program for refugees but not for immigrants !;"What is your stance on illegal immigration?"