Showing posts with label Options. Show all posts
Showing posts with label Options. Show all posts

Monday, December 19, 2011

US Citizenship Options For Elderly Applicants - Medical & Exam Waivers

I frequently receive calls from the adult children of US permanent residents (i.e. green card holders) who want to know how their parent can become a US citizen if the parent cannot study for the English history test and / or does not speak English very well. I have created an article for you on the two most common scenarios that I answer weekly in my US Immigration Law Office of Lena Korial-Yonan, P.A.:

1. My mom is eligible for US citizenship because she has had the green card for 5 years, and she does not have extensive travel or any criminal issues. The problem is that she does not speak or read English and cannot study for the history test. Any solution?

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USCIS has specific rules that relate to an applicant's age and how long they have had the green card that can exempt them from having to take the US English History test and also exempt them from passing the interview portion of the N-400 as well as the reading and writing exam. Please see the next question for more details on this.

However, here the applicant has had the green card for only 5 years and so the only solution is to see whether the applicant is eligible for a medical disability waiver. A medical disability waiver is completed by a US licensed general medical doctor, licensed clinical psychologist or other specific doctor on USCIS form N-648, Medical Certification for Disability Exemptions. The form must be completed a specific way and with specific wording / answers before USCIS will approve the medical waiver. The doctor, in order to complete the medical disability form, must give your parent, the N-400 applicant, a test to determine whether he or she can learn or remember basic things. This test can include having to recite basic information just explained to your parent and may also include basic exams having your parent place a circle object with circle object, etc.

Applicants with dementia or Alzheimer's, for example, are eligible to file form N-648, Medical Disability Waiver, which states that because of their mental limits, they cannot study for the US history test. A major limitation for eligibility under form N-648 is that the resulting mental disability cannot be a result of drug use.

Our immigration law office has successfully completed medical waivers prepared by licensed doctors of applicant's own choosing for the mental conditions of dementia, Alzheimer's and schizophrenia. Please note that these cases are being mentioned are examples and in no way guarantee that your case will have similar results for both the mental conditions listed and for the USCIS district that you will file citizenship with. Please contact an experienced immigration lawyer of your choosing for a detailed analysis of your own specific case.

Although our immigration law office does not have any doctor(s) that we recommend for completion of Form N-648, we will let you know if a particular type of doctor can complete the form on your behalf. We also review the Form N-648 for completeness, as USCIS is strict in the language that they require from the licensed medical doctor in order for the US citizenship applicant to be approved. If the Form N-648 is approved by the US Immigration Officer, then the US citizenship applicant does not have to take any test in order to have their form N-400 approved and be sworn-in.

Also, at least in the USCIS district office located in Jacksonville Fl, we usually file a copy of the Form N-648 with the N-400 application, and we bring the original N-648 with us to the N-400 interview. You may of course provide the original N-648 in your initial filing if you wish. Just be sure to keep a copy of the form N-648, as it is not uncommon for USCIS to require a few changes to the form N-648 before your case can be approved.

2. My mom is 65 years old and she has resided in the US as a green card holder for over 20 years. Does she still have to take the English test, etc.?

No, your mom has to take a modified version of the civics test in her language of choice. She does not have to take the reading or writing test. The N-400 interview, which includes reviewing the details of the N-400 and asking whether your mom has ever been arrested, files US taxes, etc. is completed with the help of the translator that your mom brings with her to the N-400 interview. She must bring her own translator with her to the N-400 interview so that the translator can translate the civics questions in your mom's best native language.

The age qualifications that exempt applicants from the English, reading and writing tests are as follows:

· 65 years and has resided in US as a green card holder for 20 years or more.
· 55 years old and has resided in the US as a green card holder for 15 years or more.
· 50 years old and has resided in the US as a green card holder for 20 years or more.

Again, Applicants that meet one of the above categories must only take the civics test in their language of choice.

I hope that the above provides some answers to the questions asked of me weekly in my immigration law office of Lena Korial-Yonan, PA. by the adult children of elderly parents who have had the green card for 5 years and now want to become US citizens.

US Citizenship Options For Elderly Applicants - Medical & Exam Waivers

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Tuesday, November 29, 2011

Growth in Online Trading and Credit Card Online Payment Options

Online shopping has simply changed the art of purchasing; a lot more can be done by online. Credit card had opened a new window of online shopping and trading. World's top 10 shopping sites like Amazon and eBay are purely empowered based online payment option. PayPal is another website, which makes payment on behalf of your credit card. Is not just a luxury which it used to be, it's a necessity today. Most of the transaction would just not work without a credit card.

In the world of contemporary market "Internet" where lots of people make purchase through credit cards, it is undoubtedly single most important thing.

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Here the key benefits of Online Credit Card Applications:

• Convenience and quick transactions
• No banking related paper works
• Almost zero processing charges
• On the spot transaction
• Low chances of data encryption
• International transactions and trade easier than ever

As have numerous applications in online market, Cash and Cheques are no more the only options to make payment. The new products and services keep offering benefits for holders. Through internet gateway, card holders are entitled to different facilities. With the special credit facilities, many companies offer pop up services at the most flexible rates. So there're plenty of options to do e-deals and make the best choice. Huge number of websites supports a range of credit options with comparable different interest rates and monthly fees.

Lot of people today prefer credit card over any other payment options just because it's quite convenient and efficient in terms of operations. Apart from above mentioned some key benefits, it is a very popular mode of offline transactions as well.

The transaction on applications available today is quite simple and easy to use. The customer is only asked to feed the details in from the credit card and transaction is made.

As all the required necessary information is passed through the web based filtered services while the rest of the things are managed by companies or banks. That's why the information you provide them in the site page is fairly enough to process the transactions to go ahead. Luckily, these systems work quite properly and no problems as such making the final choice on both the sides. While using your card in online applications you must be careful as there fraudulent applications as well which tend to take your money to unidentified accounts. You must know and trust the application you are using while doing any online transaction.

Growth in Online Trading and Credit Card Online Payment Options

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Friday, September 9, 2011

Lighting a Fine Craft Trade Show Booth - Options for the Budget-Conscious Artist

Good lighting is a main ingredient of a successful trade-show booth. Just the right lighting system can help an artist create the atmosphere of a fine-craft gallery. This will lure gallery owners off the isles and into your booth – the first step toward making a sale.

Lighting is a relatively expensive investment. So how does the budget-conscious artist find the right solution?

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When it comes to choosing a lighting system, artists new to the trade show circuit often become overwhelmed. Prices vary wildly, and each convention center may have its own lighting rules. Lighting technology is changing rapidly, making the choices harder still.

This article details what I learned while tackling the challenge of lighting my 10’X10’ booth at the American Craft Retailers Expo (ACRE), a large wholesale show for American and Canadian craft artists. As I am new to trade shows, this information is meant only as a pointer for artists in the process of choosing lighting, and perhaps also for more seasoned artists looking to update their systems.

In examining many different lighting options, my objective was to illuminate my glass jewelry beautifully but inexpensively. I wanted the lights to be lightweight and modular, to fit in boxes for shipping to the show. I was looking for contemporary styling, in silver or black. And I wanted to have at least one special lighting effect – not too flashy – to give my booth a unique element.

In his CD on booth design, art business consultant Bruce Baker suggests 1,000 watts will light up a 10’X10’ booth very effectively. I decided to stay at or under 500 watts, however, because the ACRE show includes 500 watts with the booth price, and the halogen lighting I ultimately decided upon illuminates my displays very well. Since I bought the lights at a “big-box” store with sites in virtually every city in the U.S., I can add more lights once I’m at the trade show if necessary.

The Battle of the Bulb

Contractors Choice Lighting (www.ccl-light.com) says a light fixture is simply a “bulb holder.” The bulb, therefore, should drive one’s choice of a fixture. This is somewhat true for trade-show lighting, although the fixtures may dictate the types of bulbs, depending on the choices available at the store where one shops for the lights. The CCL website offers a “Bulb Photometrics” page ([http://ccl-light.com/photometrics.html]), whose graphical representation is a refreshing departure from the complex descriptions of lighting options that have proliferated on the web.

Halogen is the bulb of choice for many trade show exhibitors. It offers a crisp, white light. Although people commonly refer to halogen as non-incandescent, it is in fact a kind of incandescent lamp. It generates light by using a thin filament wire made of tungsten, heated to white by passing an electric current through it. According to General Electric, the first halogen lamp was developed in 1959 – not too long ago for many of us!

Halogen bulbs differ significantly from the traditional type of incandescents we grew up with. The halogen bulb’s filament is surrounded by halogen gases (iodine or bromine, specifically). These gases let the filaments operate at higher temperatures. The end result is a higher light output per watt.

The gases also do something rather miraculous: Tungsten tends to evaporate off the filament over time, and the gases actually help re-deposit the tungsten onto the filament. This extends the bulb’s life way beyond that of the traditional incandescent bulb, whose evaporated tungsten clings to the walls of the bulb like a smoky apparition and eventually the uncoated filament snaps. Who hasn’t rattled a burnt-out light bulb and enjoyed the jazzy cymbal sound of the broken filament inside?

In addition to giving off more light than traditional incandescent bulbs, halogen bulbs emit a whiter light that provides better color rendition. “For highlighting and bringing out true colors, use halogen lamps,” suggests USA Light and Electric’s website (www.usalight.com). “Nothing looks better than the drama brought in with halogen lamps.”

Baker also suggests halogen lights – floodlights in particular – for a contemporary look, especially for jewelry and glass. It’s important to consider that other fine craft materials such as ceramics and wood might be better enhanced with halogen spotlights, or even with some of the more traditional incandescent lights that emit a warmer color.

Having decided upon halogen lighting, my next task would be to choose bulbs. The ACRE show takes place at the Las Vegas Convention Center, which has instituted a strict halogen lighting policy. Each light cannot exceed 75 watts, and all halogen bulbs must be factory sealed in glass (not in a removable lens or linear shape).

Thankfully, there is plenty of factory-sealed halogen lighting, in the form of PAR halogen bulbs. PAR is an acronym for “parabolic aluminized reflector.” PAR bulbs have a built-in reflecting surface made of pressed glass. The glass provides both an internal reflector and prisms in the lens for control of the light beam.

PAR bulbs are numbered, as in PAR 16, PAR 20, PAR 56. The PAR number refers to the bulb shape. Bulbs.com has a halogen section of the site where you can quickly compare the various PAR bulbs visually. Within a given category of PAR bulbs there are various wattages, wide and narrow spotlights and floodlights, different base sizes, and even different colors.

Fortunately I was able to skip the process of deciding on a PAR bulb by deciding first where to shop for my lights (more on that below).

Power Issues

When you go to shop for track lights, you’ll notice there’s a choice between 12-volt and 120-volt fixtures. 120 is the standard voltage that comes directly into most homes and offices – and convention centers.

For a lamp using 120 volts, no additional parts are necessary beyond a regular socket. 120-volt fixtures generally are lighter than 12-volt fixtures because they don’t need a transformer. They also cost less and can use halogen or regular incandescent bulbs.

I stopped short of investigating 12-volt fixtures, except to find out that they step down the amount of energy being used to a lower voltage, and thus are more energy efficient. They require a transformer to convert the 120-volt household current to 12 volts, and they may require hardwiring (although one artist I know found a 12-volt fixture with a built-in transformer which she was able to plug into a 120-volt outlet. A 12-volt fixture accommodates very efficient bulbs that offer a variety of wattages and beam spreads, including the 50-watt MR-16, which is popular in galleries.

I decided on 120-volt lighting for the trade show, because I wouldn’t have to worry about transformers and could just plug it in.

Choosing a Store and Track Lighting

I read the ACRE online forum for clues about where to buy lighting. What one artist said struck me as eminently sensible: He buys all his lighting at Home Depot, because if anything goes wrong at the show, he can find a store nearby for replacement parts.

This was something to consider: Tempting as the gorgeous designs might be, special-order lighting of any kind introduces the risk of having a malfunctioning light for the duration of a show.

Another artist on the ACRE online forum said he buys his lights from Lowes. It probably doesn’t matter which big-box store one chooses, as long as there’s one in every city.

Since I was new to trade shows and this was to be my first lighting kit, I resisted choosing from the many good suppliers on the web. I settled on the limited but attractive selection at Lowes. A side benefit of this was that my choices were comfortably narrowed.

Within the category of halogen lighting, you can get either track lights or stem-mounted lights (with arms extending outward). I went with track lights. This was partly because the stem lights I found on the web were relatively expensive and Lowe's didn’t offer them, and partly because with track lights I could have one cord instead of several hanging down.

The Lowes lighting salesperson was helpful in putting together a full package from the track lighting on display and in stock. I decided on four, two-foot tracks to keep the size of my shipping boxes down. Here’s a rundown of what I bought:

· 4 two-foot track sections, Portfolio brand, black finish, Item #225678. Each section holds 2 lights, for a total of 8. Total: .12

· 8 Flared Gimbal Track Lights, Portfolio brand, Item #120673, with a satin chrome finish for a contemporary look. They are easy to attach to the track by following the directions. Total: .76

· 8 halogen bulbs, Par 20, 50-watt, for bright, crisp light. I bought several floodlights and a couple of spotlights. The bulbs are very packable, at a little over 3” long and 2.5” in diameter. Total: .00

· 2 Miniature Straight Connectors by Portfolio, Item #120716, for joining two of the track sections end to end. The idea is to have only one cord to plug in from a row of four lights. Total: .92.

· 2 Cord and Plug Sets, Portfolio brand, Item #120827, to power track from a standard AC wall outlet. I connected these to the end of the two of the track sections by unscrewing the covering on one side of the track. Total: .06

· Various Multi-Purpose Ties (cable ties), by Catamount, for attaching tracks to booth pipes. Total: .00

· 2 heavy-duty extension cord/power strips – 14-gauge, 15-feet, with three outlets each, Woods brand, from Lowe’s, Item #170224, model 82965. Total: .00

Grand total: 3.86

The Gimbal lights I chose only accept a 50-watt, PAR 20 bulb, which made it easy to pick out the bulbs. So in this case, the fixture drove the choice of bulb, not the other way around.

According to the Bulb Photometrics page at Contractors Choice Lighting, a PAR 20, 50-watt halogen flood bulb will emit a beam of light with a 5’4” diameter when it reaches 10 feet away. It offers about 12 foot-candles worth of light at 10 feet away from the bulb (a foot-candle is the level of illumination on a surface one foot away from a standard candle.)

For the sake of comparison, a PAR 30 beam offers a diameter of more than 8’ at 10 feet away, and you still get about 14 foot-candles at that distance. What happens if you notch it up to a 75-watt bulb? You get a lot more foot-candles (38) at 10 feet away. This suggests that larger trade-show booths might want to take advantage of higher PAR and higher watt bulbs.

All together, the track lighting system I chose uses 400 watts of electricity. This left me another 100 watts to add specialty or accent lighting to my booth, while still remaining at the 500-watt limit.

Cords, Plugs and Hanging Lights

The Las Vegas Convention Center has very strict rules for cords, plugs, and hanging lights.

The two-pronged, 18-gauge cords that the manufacturer has attached to your lights are acceptable (leave the UL tags and labels intact). These lighting cords cannot be plugged into the convention center outlet, however. Instead, you must plug them into a three-pronged, heavy duty, 14-gauge extension cord – or a breaker strip with a 14-gauge cord. You can then plug that 14-gauge extension cord into the convention center outlet.

A 14-gauge extension cord is capable of handling 1,825 watts. It’s helpful to read the brief extension-cord sizing and safety information on the web pages of the Underwriters Laboratories (www.ul.com/consumers/cords.html) and the University of Florida Cooperative Extension Service ([http://edis.ifas.ufl.edu/FY800]) before purchasing a cord.

Bruce Baker suggests the cord be 20 feet with six outlets, and that it include a cord reel. I couldn’t find this type of cord at Lowe’s, so I decided on two 15-foot, heavy-duty, 14-gauge extension cord/power strips, each offering three outlets. If you have a larger booth, you can find a 25-foot cord with three outlets at Lowe’s.

There are so many different approaches to hanging lights, and so many variables to consider, that it could be a topic for another article. In general, you can hang or clip lights onto a cross bar or onto the “hard walls” of your display if you have them. Depending on the rules of a particular trade show and the size your lighting system, you may be permitted to attach the lights to the booth’s existing pipe and drape.

Since my booth design does not include my own walls, my lights will attach either to the existing pipe or to a cross bar. Cable ties (commonly called “zip ties”) appear to be tool of choice for attaching tracks to the pipes or bars, and even for attaching additional cross bars to existing pipe and drape. One artist I know uses Velcro strips, followed by cable ties to secure the attachments. There are a few entire websites for cable ties. One of them is http://www.cabletiesplus.com .

I purchased Multi-Purpose Ties from Home Depot. They can bundle 4 inches in diameter, withstand temperatures up to 185 degrees Fahrenheit, and hold up to 50 lbs.

Accent Lighting: LEDs

There are many ideas for accent lighting – although a fair treatment of the topic is beyond the scope of this article. Light-emitting diode (LED) lighting is one technology that is experiencing breakthroughs and growing fast. It takes many LEDs to equal the light output of a 50-watt bulb, and LEDs are fairly expensive, so LEDs aren’t ready for prime time when it comes to lighting a whole booth.

There are several close-up applications for LEDs, however, that are worth looking into now. An example is the in-counter light bar sold by MK Digital Direct at http://www.mkdigitaldirect.com (at a whopping 5 per foot). The more affordable MK Sparkle Light Pocket () is a portable device that has extra long-life of over 100,000 continuous hours and promises to give jewelry “maximum sparkle and scintillation.”

The Nexus mini LED light system (www.ccl-light.com), meanwhile, offers a lot of illumination for its size – a puck shape not much bigger than a quarter. The company says it is for direct display lighting of crystal and glass, and it can even be submerged in water. The light is attached to a 12’ cable that ends in a plug, and has “mode switch” with seven different color choices. Unfortunately, white is not one of the color choices, and at it’s a bit expensive. Still, a few of these lights combined with room lighting could draw viewers into your booth and toward your most dramatic displays.

LEDS also include tube lights, flexible lights, linear lights, and bulbs. Superbright LEDs (www.superbrightleds.com/edison.html ) has a collection of 120-volt screw-in LED bulbs for accent and other low-lighting applications, as well as a host of other fascinating products such as “plant up-light fixtures.”

At this writing, the search was still on for accent lighting to give my booth an extra special glow. Stay tuned for a future article on the results.

Online Resources

The following list is not an endorsement, but rather a starting point for research on lighting systems, cable ties, and accent lighting.

http://www.ccl-light.com - inexpensive and many choices, has “Bulb Photometrics” page to help determine how much light and what kind you want from a bulb

http://www.direct-lighting.com - stem-mounted and track lights

http://www.usalight.com - large selection of lighting and bulbs

http://www.bulbs.com - quick visual comparison of PAR bulbs (in halogen section)

http://www.cabletiesplus.com - Cable (zip) ties for securing track lights to pipe

http://www.mkdigitaldirect.com - LED lights for jewelry cases

http://www.american-image.com/products/lights/lights.html - a nice selection and visual layout of stem-mounted and other lighting (but not cheap)

http://www.brightmandesign.com/products/wash-super.html - good technical information and images of lights set-ups for trade shows; several stem-mounted clip-on designs

http://www.superbrightleds.com - LED accent lighting, including screw-in bulbs and light bars

Lighting a Fine Craft Trade Show Booth - Options for the Budget-Conscious Artist

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Monday, August 8, 2011

Your Best Options for Getting a Bad Credit Charge Card

Many people assume that if you have bad credit, it's nearly impossible for you to get a credit card. This couldn't be any further from the truth. However it does take a little more work and might require you to pay higher fees. Here are some tips for finding a bad credit charge card that's right for you.

Friends or Family With Good Credit

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If you have friends or family with good credit, the can co-sign for a credit card with you. You'll definitely want to be sure to pay your bills on time since their credit will be on the line as well as your own. But since their good credit history will allow you to qualify for a card, this can look particularly good in the eyes of the credit bureaus and can be a super strategy for boosting your credit rating while also getting a new credit card account.

Local Retail Outlets

Try applying for cards at local retail stores rather than the large banks. Retail merchants will probably be more likely to give you a chance and their criteria are often less strict in terms of how good a credit rating you must have in order to qualify. They might limit your credit line or charge you a higher rate than if you had great credit, but you should still be able to get a credit card from some of them.

This can work in the short term, but in the long term, you really want to have access to a card that can be used anywhere, rather that just at the local clothing or electronics store. Ideally you'll have a standard Visa, Mastercard or similar brand card but a local retail card can act as a stepping stone to one of those cards if you're unable to qualify for one initially.

Local Banks Rather than Large Banks

In the same manner as local retailers, smaller, local banks might be more willing to work with you and extend you a credit line. However, they might require a secured credit line, where you'll need a savings account or some other collateral which will determine your credit limit.

In general, it's a good idea to avoid larger banks. They have so many potential customers and such stringent qualification requirements that they will probably be less likely to work with you if you have severely damaged credit.

Online Credit Card Offers

You can find several good credit card offers online, even for people with bad credit. The best offers include unsecured credit cards such as Visa or Mastercard offers and are offered with no credit check or other hassles as long as you meet some basic, minimal qualifications. They can be difficult to find, but well worth it, especially if you have bad credit. However, these cards should be used as a way for you to get back on your feet and re-establish your credit, not for gratuitous spending.

Whichever option you choose, be sure you pay off your card on time. Since banks are offering credit lines to you regardless of your credit, they are likely to have pretty high interest rates. But as long as there's no annual fee and you don't carry a balance, the interest rate doesn't matter. If you do have to carry a balance, try to pay it off as quickly as possible and don't carry a balance more than half your credit line.

Pretty soon, you'll see your credit rating increase. You'll be able to easily apply for another card with better terms, leaving your old bad credit charge card in the past but thankful that it allowed you another chance to improve your credit.

Your Best Options for Getting a Bad Credit Charge Card

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