Monday, 24 February 2020

How To Increase Your Credit Limit On Your Credit Card (5 Step)

Increase Your Credit Limit On Your Credit Card

In today's article, I'm going to teach you how you can increase your credit limit on your credit card. I'm going to give you all the details that you need in this article for you to increase your credit limit. There are a couple benefits to do this, 



Credit Limit Increases Can Help Improve Your Credit Score Or Your Credit Utilization.

The reason why you want to increase your credit limit is maybe you just applied for your first starter card and you have a limit of like $500, I couldn't even buy the newest iPhone if I wanted to with a credit limit of $500, some people just get smaller credit limits and it always makes sense to actually improve that so you can spend more money, but remember, only spend money that you have, do not carry debt, that's when you lose the game, make sure you pay off the statement balance in full. 

Now, the only other reason I can think of why someone wants a credit limit increase is for the Flex.

Let's get started on how to get your credit limit increase


1. Have A Good Credit Score

This seems to be the answer to a lot of the problems in the credit card industry, if you have a good credit score, most of the time that fixes everything and that actually helps you out with having a higher credit limit as well. If you have a good credit score, you're telling these credit card issuers and these companies out there that hey, I know how to pay off my credit cards on time, I am not someone who's going to run off with a month, I'm not going to go crazy with it and I have good self-control.


  • If you have a good credit score that is what you're telling these companies and when you're doing that you're actually building trust with these banks, with these credit card issuers, when you build that trust, it's a lot easier for them to lend you higher amounts of money in hopes that you're going to pay off the credit cards in full back on time.

Read: How To Get An 800 Credit Scores In 45 Days For 2020

Let's say my name is John, and I have a 475 credit score and I am known to have a ton of derogatory marks, a ton of late payments on my credit cards and I'm not someone who has good self-control and I probably deserve to be in the Dave Ramsey group as well, if I request a higher credit limit increase on my cards, there's a good chance that I'm not going to get it. And it's because I'm already telling these banks hmmm, I don't deserve it, I'm a high-risk level if I get a higher credit limit increase, I'm probably going to add on to the debt that I already have. So first thing first, make sure you have a good credit score. 


If you're someone who already has a bad credit score, a lot of these methods I'm going to tell you about it's going to be a little bit harder to achieve, but even if you do not have the best score out there, hear me out, read those things because it'll still help you out.


2. Apply For the Right Cards

If you apply for a beginner card with discover it's not going to be a surprise if you only get a $1,000 credit limit on that card but, if you apply for a card like the Chase Sapphire Reserve, those cards are known to give out huge credit limit and it's because for that card specifically a $10,000 credit limit is the minimum on that card, so if you apply for the Chase Sapphire reserve and you get accepted, you're not going to get anything less than $10,000, it's $10,000 or more, so shoot your shot, shoot higher, if you're trying to get a higher credit limit, look into the cards that offer a higher credit limit. 


3. Business Credit Card Offer Higher Credit limits

Business credit card is seriously the go, they offer so much and they do give you a ton of credit limit power, for example, the Chase Sapphire Preferred or the chase ink business preferred, these are two cards that I both owned previously in the past, I had the same score, everything was the same, I just applied for these two different cards on the personal version of the chase sapphire preferred, I had a limit of $2,000 to $5,000 but, when I applied for the chase ink business preferred, I actually had gotten over a $15,000 to a $20,000 credit limit. So it's not surprising if you get a business card, the more you pay it off, the more history you add on to that card the higher you're going to get a credit limit. Every time I applied for future business cards within the chase, that card credit limit had a higher limit every time. 


4. Manually Request For A higher Credit Limit

When I'm going for specific credit cards it depends on what my goals are, do I want to get more points? Do I want to get more cashback? Do I want to go for the status benefits, what am I really looking for? There are some people out there who just want a card that's going to have a higher credit limit, now, a company that actually gives very generous credit limit increases is going to be American Express. 

American Express is known to triple your credit limit, so if you have a $10,000 credit limit, they will actually gladly triple that into a $30,000 limit. You can do this with other issuers too but, this is really a data point that has been pulled out of American Express, they've been able to do it it's still going on, so if you want to have a high credit limit make sure you have a couple cards with American Express, have a good history with it, pay off your credit cards, have a good score, and they will increase that credit score


How Do I Manually Apply For A Credit Limit increase?

Applying or requestion a credit limit increase isn't really anything abnormal. If you have credit cards this is something you can do, call the customer support rep or even better go to the website of your credit americanexpress.com

americanexpress

There's usually going to be a tab where it says to increase your credit limit, if you are trying to get a credit limit increase you can always ask the rep, hey, if I request a credit limit increase in this card, will it affect me, will it affect my credit, is it going to be a soft pole, they can give you a straightforward answer on that, the easiest way I do it is just by chatting with them just because they're there.


You don't have to wait on the phone in case they're really busy and that's just one of the best ways you can go about increasing your limit.



Few things that I want to mention is that you need to know why you want to get a credit limit increase. If you're someone who wants to get a credit limit increase just to have more flexibility, that makes sense, go ahead and do that, but if you're someone who's trying to take advantage of promotional offers in the hopes that you're going to pay off your credit card, I think that's a risky move. I really don't recommend a lot of people to go for a credit limit increases for that reason, I just see a lot of people going into debt and that's the last thing I want from you.


Conclusion

Here's some of the best practices to know if you are trying to get a credit limit increase, how long have you've been with that credit card issuers, if you've been with chaser or American express for two weeks, does it really make sense to go for that credit limit increase right now, probably not. If I've held a relationship with them for maybe 3 months even 6 months which is the most ideal, then I know hey, there's a good chance I will get that credit limit increase, if I don't do it manually, they will probably give it to you automatically.

Saturday, 22 February 2020

How To Get An 800 Credit Scores In 45 Days For 2020

800 Credit Scores

The FICO credit score is the most important algorithm for you to understand and there is a relatively unknown secret in order to jump your credit score's very quickly by an immense amount. I'm talking 100 points or more in some cases, I've seen people get 800 credit scores in 30 to 45 days with this one secret. 

Let's Get Started


I want to give you this one technique, there are two names for it. 
  1. Authorized User (AU)
  2. Piggybacking

You can do some research for yourself on this online, I would just go online Google search "piggybacking for credit" and see what you come up with. 


Authorized User (AU)

Basically, this is where you can have yourself added to somebody else's credit profile, meaning, their actual credit card accounts as an authorized user and within 30 to 45 days which is the typical reporting cycle for most creditors to the credit reporting agencies, you will immediately adopt the entire history of that account.

Let's hypothesize an example, 

If I need great credit because I wanted to buy a property and get a better mortgage. Or I wanted to apply for my own credit cards or I wanted to get an auto loan. but I was lacking with my scores and my profile, I could approach a close friend or family member who has established themselves with at least one credit card company provided that they would be willing to add me as an authorized user on. It usually requires a brief 5-minutes call to the creditor, which is simply conference and makes the request.


  • A couple of bullet points that you're going to want to make sure you understand, first and foremost, the most common question I see people ask is, usually a concern from the primary account holder, meaning, what if my credit is negatively impacted as a result of adding this person who has negative credit to my current credit card? Rest assured that will not happen. Any of their negative credit information will not show up on your credit report but, your positive credit will show up on their credit report for that account that you add them to. They will not negatively impact you. Furthermore, they can be removed at any time from your account. Versus a cosigner which cannot be removed until the account is closed and paid in full.

Is Co-signing A Good Idea

Co-signing is never recommended by us here at roadtosuccesse. I think co-signing is foolish. I don't care what the relationship is, you could be a parent, you could be a child, you could be spouse, etc, I think co-signing is a big mistake. 

All of our credit is treated independently, your credit is individualized to you, mine is to me, and it's incredibly valuable. So if I were to cosign, I'm taking a huge risk by doing that and it's not a risk I'm willing to take I would recommend you not take that risk either. But with authorized users, you can get a similar impact by helping somebody or by being helped by somebody without all the downsides and the risk involved. 


Here are the bullet points that you have to understand. The best possible account to be added to or to add someone else - to.


1. The Account Must Report

The easiest way to know is, if the creditor does not require the authorized user to provide a social security number, it obviously not going to report on their credit report. it can't, it's impossible, so that is one little test you might be able to use otherwise you can just flat-out ask, will this report, am I liable for this account? You want to be liable for the account. The intention is not to give access to the authorized user or to get access as an authorized user to the account. It's not about you having access and spending money on that specific credit card account. it's about just adopting the credit history. So it has to report or this entire writing is useless. So I would obviously make that my first question.


2. Confirm The Account Has A Long History

I recommend over 5 years if you're adding something that's new you're only going to adopt a couple of months. We're looking at adding something that will ad substantial history to your report. the longer the better. 


3. The Account Needs A Large Limit

Meaning that the account had a credit limit of at least $5,000 and you have to make sure that not only is the balance low on that account but that it's been paid on time every single month. Any negative account history that's associated with that credit line will also show up on the authorized user's credit, so you have to be very careful to only add accounts that are going to positively contribute.


Those are the questions that I would ask the primary account holder upfront. Again, do your homework, go online and research this strategy it's been around for a long time. FICO has threatened time and time again to remove this technique from actually impacting credit positively. 



The Goal From This is Not To Establish Perfect Credit.

A side notes that you're going to keep in mind. The goal from this is not to establish perfect credit, whereby it can get you into the 700 or even 800 by using this technique, but underwriters at this stage in the game are incredibly sophisticated as are the automated underwriting software programs that are used by most lending institutions. 

They could look beyond just the scores, let's say that a minimum of 700 is require for a specific account you want to apply for, if you apply for that account after being added as an authorized user because your scores shot up quickly, the underwriters might notice that all of your accounts on your credit report are that of being an authorized user, in which case, you may still be delined for the account you're applying for. My recommendation has used this tool in order to get you the score you need to start developing your own credit.



Conclusion

Once you have those scores which again can happen as quickly as 30 to 45 days where you'll see huge credit scoring increasing during that period of time in most cases, you can go out and apply, get your own credit and begin building from there. So we use the authorized user strategy as a stepping stone to get access to accounts that are going to start facilitating construction.





I hope this has helped some of you. Really cool technique

Friday, 21 February 2020

Different Types of Colleges And Degrees

Different Types of Colleges And Degrees

Today we are going to talk about the different types of colleges and degrees that a student can earn after they finish high school. There are 5 different types of degrees a student cant earn.



  1. Certificate Of Completion
  2. Associate's Degree
  3. Bachelor's Degree
  4. Master's Degree
  5. Doctoral Degree

Each has a different amount of time that it takes to obtain them, and different careers that students can get after receiving such a degree. 


Certificate Of Completion

  • 8 weeks to a year to complete
  • Careers including floral design, food service, law enforcement, and nursing assistant
  • Usually through a technical or community college

The advantage of this type of program is you get out quickly and get into the world of work. The disadvantage is that there is a limited ceiling on the amount of money a student can earn with a certificate of completion. 


Associate's Degree

  • About 60 credit hours of study, usually is what is referred to as a 2-years degree.
  • Some examples of careers that require an associate's degree are dental assistant, accounting, graphic design, and business management.
  • Many students who complete an associate's degree program often transfer into a bachelor's degree program

Bachelor's Degree

  • Most popular of all the degree programs
  • 4-years degree
  • Typical degrees are in business, psychology, education or English, many other options out there.
  • Can take 4-years or more depending on colleges, degree or switching majors.
  • Students typically need to take an ACT to get accepted.

In other to get into a college for a bachelor's degree they will look at student's grade point average as well as their ACT scores.


Master's Degree

Students must have already obtained a bachelor's degree
Students are required to write a thesis or apply work experience in order to obtain a degree
Counseling, nursing, business, and education are degrees where you need a master's degree

Once a student receives their four-year degree and they would like to do further training, they can get a master's degree. Usually, another two years sometimes required a thesis or work experience in order to obtain this degree, some degrees out there are things like counseling, nursing and business, and education, without the master degree, the student could not obtain the career that they were looking for unless they had the master's degree.


Doctoral Degree

  • The highest degree to earn
  • 5 years for the average student to complete a doctoral degree
  • Students must write a publishable thesis, complete their own original research and complete a course of study.


Their many types of college we're just going to highlight a few different ones right now


  1. Agricultural, Technical and Specialized Colleges
  2. Community or Junior Colleges
  3. Liberal Arts Colleges
  4. Universities
  5. Public vs. Private School

2 Years Of Less

Agricultural, Technical and Specialized Colleges

  • Hennepin Tech College
  • Dunwoody College of Technology
  • Minnesota School of Beauty
  • Mcnally Smith College of Music

For the two year college like we talked about before for a certificate or associate's degree, there is agricultural technical and specialized colleges, Hennepin, Dunwoody where you're going to work on a specific career field like maybe auto body or you want to go into a specific hands-on type of fields like welding or plumbing, there are places like Minnesota school of beauty where it's a cosmetology school where you work on things like hair and makeup. 

At these schools you're not going to be taking your general education courses like English and math and social studies, you're going to specifically be looking at a career filed.


Community or Junior Colleges

  • North Hennepin Community College
  • Normandale Community College
  • Anoka-Ramsey Community College

Oftentimes students will use this as a catapult to go on a four-year college and transfer. Although students can obtain a two-year associate's degree and into the world of work after two years.

4 Years Or More

Liberal Arts Colleges

  • These offer a broad base of course in the humanities, social sciences and sciences
  • Most are private and focus mainly on undergraduate students
  • Classes tend to be small and personal
  • Examples: Saint john's university, U of M Morris, Macalester College, Saint Olaf College.

Universities

Universities are bigger than colleges and offer more majors and research facilities
Class size often reflects the size of the institution and some classes may be taught by graduate students
Example: the University of Minnesota, Twin Cities, Mankato state university
University of Minnesota, Duluth


Public vs. Private School

The advantage and disadvantage of public vs private school


Public School

  • Usually less expensive than private ones, and get most of their money from the state or local government
  • Can be less expensive
  • It can be more on-campus opportunities because they are bigger, oftentimes you'll find things like fraternities and sororities, big ten sports or activities more activities that students can participate in.

Private School

  • Can be more expensive than a public university
  • They may have more scholarship money to give than a public university
  • Can be smaller than public schools and can offer more personalized attention
  • Sometimes have a religious affiliation, but not all, although oftentimes student does not need to be the same religious affiliation as the college. 




That is it for colleges and degrees, I hope you got some value and you can do your own research if you want.

Thursday, 20 February 2020

5 Highest Paid Jobs With An Associates Degree

Nuclear Technician

In this article, I will list the 5 best-paid jobs in American with just an associate's degree. What is an associate's degree? Associate's degree is a 2-years degree, you can achieve it faster or it can take you longer depending on how many classes you take per semester, you can take one class, you can take 5 classes. But I would say roughly it will take you about 2-years, which is definitely faster than a bachelor's degree which would take you 4 years.

While I was researching for this article I recognize that some jobs are better paid in American than in the Europ, the same job with the same tourists are better paid in American. 

Read Top Paying Jobs You Can Get With A Bachelor's Degree

Let's Get Started


1. Nuclear Technician

  • Salary: $79,140/year
  • Number Of Jobs: 6,900
Nuclear Technician

This job may be something that most people never have heard before. Surprisingly, all you need is an associate's degree, a high school diploma, an associate's degree in nuclear science technology, and become a trainer in a nuclear power plant or elsewhere and there you go it. 


2. Computer Programmer

  • Salary: $79,840/year
  • Number Of Jobs: 294,900
Computer Programmer

If you like to program, coding and work with a computer, why don't you consider becoming a computer programmer? You can have just an associate's degree and work as a computer programmer. Now let's face it, everybody needs at some point in their life help to get a computer fixed, so a computer programmer is a job that is not dying out right now. 


3. Dental Hygenist

  • Salary: $72,910/year
  • Number Of Jobs: 207,900

  • Salary USA: $72,910 
  • Salary Germany: $21,455
Dental Hygenist

If you're a dental hygenist, maybe consider coming to American you can have a very good life over here.


4. Registered Nurse

  • Salary: $68,450/year
  • Number Of Jobs: 2,955,200

  • Salary USA: $68,450/year
  • Salary Germany: $35,754/year
Registerd Nurse

You can have an associate's degree as a registered nurse and you can have a bachelor's degree. Just before the associate's degree, you will already be making money than a nurse would earn in Germany. I know lots of people want to become a nurse in America it's so popular to become a nurse. With an associate screaming 2-years degree, you can earn $68,450 per year. An associate's degree is a good way to start getting into the field and gain some experience. 

Also, if you are a registered nurse outside of the United State, you can just come to America and if you pass the test to become a registered nurse, you can apply for a green card, if you didn't know it, now you know it. Just do some research it is possible to come to American by being a registered nurse and obtain your green card by the way. 


5. Funeral Worker

  • Salary: $54,830/year
  • Number Of Jobs: 54,400
Funeral Worker


Not everybody will be able to do it because it's different. it's a funeral worker. If you can handle to see dead bodies, if you can touch the dead bodies, if you don't mind, then this is a very well paid job that you might consider doing. A funeral worker can earn $54,830 a year.




Those are the 5 high paying jobs for an associate's degree, hopefully, you got some value from this article.

Wednesday, 19 February 2020

Should You Get A Master's Degree Or Graduate Degree

Master's Degree

I want to answer the question as to whether or not you should get a master's degree or some other postgraduate degree. And to that I ask, why are you asking? What's driving you to look into a master's degree? Do you really, really want to go back to school? When I was rapping at my undergrad program, I was asking myself a very similar question of whether or not I should pursue a master's degree or some sort of degree after I graduate.


  • When I think about it, it wasn't something that I wanted to pursue because I felt I needed it, it was something I thought I should pursue because I thought I had to do it. My plan was to do some research, first of all, I talk to my science professors and the thing that they told me was that "yes" I need a master's degree and if I want to work in the states and be treated seriously you might as well skip the masters altogether and get your Ph.D.

At the same time I was suspicious of their advice because my follow-up question was, what kind of jobs could I get out there after I graduate either with a bachelor's or with a Ph.D.? And the answer wasn't that great as they hesitated. So my suspicion was that the professors are coming from a place of academia, coming from a place of college or universities where a Ph.D. or masters are highly respected. To me, I felt they were living in an academic bubble and they didn't have an accurate picture of what's outside of academia and what's happening in the work world.

It was just a suspicion I thought that maybe I'm wrong, so I wanted to pursue this further, I decided to talk to professors outside of the science faculty and these are professors that I highly regarded, and I thought that they would give some really good advice, so I asked them, what was out there? What are possible career options, and they just give me wishy-washy generic advice that I could have found anywhere and it was really disappointing, I mean, you've got these professors who are very, very smart but they have no idea what's out there? We're looking to them for some sort of guidance and I realize these guys don't really know anything else beyond their course material.


What Are The Average Income For The Various Degrees

  • Bachelor's Degree: $40,000/year
  • Master's Degree: $45,000/year

One of my business classes professor put up a slide on what the average incomes would be for the various degrees. I remember how disappointing that was, I think for a bachelor's degree, you're making on average about $40,000 a year, and of course, these are all stats in terms of right after graduation, these are entry-level jobs, but with a master's you're looking $45,000. I'm sure these stats are way different now, I mean, this was 10 years ago, but at that time, a $5,000 difference in earning potential was nothing, it did not justify me spending tens of thousands of dollars as well as 2 to 3 years of my time into a master's program.


You Don't Need A Master's Degree or Ph.D. To Break Into The Industry.

I wasn't done, I wasn't fully convinced, I really want to exhaust all my efforts so what did I do? I networked with people in the industry, I reached out to people in the food sector, biotech, Pharma, and even the natural health products industry, they all said the same thing, you don't need a master's degree or Ph.D. to break into the industry, you can do very well yourself with just the bachelors.

That pretty much sealed the deal for me, I made the decision that I don't need a master's degree and if I ever need to further my education well, guess what? The school is waiting for me. universities, colleges, they're going to be there forever. 


Get Some Real Experience In The Industry

The more I dug into it the more I realized was that what I needed right now is a real experience. Provide way more value to me than me spending 2 to 3 years back in school and spending tens of thousands of dollars. So get some real experience in the industry, go at it as hard as I possibly can, learn as much as I can to network with as many people as I can, so that I can get that next promotion. Get me into a leadership role thereby increasing my earning potential significantly. If I hit some sort of ceiling and realize that my earning potential is capped in order to get to the next level I need to get a master's degree or an MBA, well, hey, I'll just go to school then, and better yet, chances are a company that I'm working for will probably pay for it. 


Should You Get A Master's Degree?

For those of you reading or considering whether or not you should get a master's degree? Let me ask you this, does that job that you want, require you to have a master's degree or Ph.D.? Well, if yes, then hey, by all means, get your masters. if no, don't bother. If you're not sure definitely start looking into it, do your homework, talk to people, reach out to them and ask them what the requirements are. Otherwise, I say skip grad school and get as much as you can out of the degree you've spend slaving over the last 4 years over. 




That is it for me, thanks for reading.

Monday, 17 February 2020

ADN Vs BSN - Pros And Cons

ADN Vs BSN - Pros And Cons

Today's article is going to be the pros and cons of getting an adn versus a BSN. For those of you who don't know what an adn is, adn is an "Associate Degree in Nursing", and then a BSN is a "Bachelors of Science in Nursing". So I just want to talk a little bit about the pros and cons advantages and disadvantages of getting one degree versus another, because it's definitely an important decision when you're deciding if you want to go ADN or if you want to go BSN. 

I'm here to talk about some of the pros and cons of each of them, so I'm going to start off with an adn.


Associate Degree in Nursing (ADN)

An adn is received from a community college and that means it is a bit cheaper to receive an adn versus receiving a bsn. Adn also have less prereqs or less credit hours that you have to complete in the entire program, so you're going to be able to get your adn a lot quicker and a lot cheaper. 


Advantage For ADN

The great thing about your adn is that you're still going to get your RN license in the end, so after you finish the program, you're still going to take your NCLEX and get your RN license just like you would if you were getting your bsn. Adn starts off at the same pay as BSN as well.


Disadvantage For ADN

One disadvantage, it's harder to advance with an adn. What I mean by that is if you want to become a nurse manager or advance in your hospital, they look more towards the bsn when they are looking to hire someone for an advanced position in the hospital. 


Advantage For ADN

Another great advantage for adn is that after you get your adn, you can go to work as a nurse and then you can go back to school to get your bsn. If you choose to do so, oftentimes a lot of hospitals will cover additional education expenses in order for you to advance and grow as a nurse. 

ADN program also is less competitive to get into, because they are a community college and not a four-year university, there's a shorter waiting list because it's less time to complete the program and so it's a little bit easier to get accepted into these programs.


Those are some of the advantages of getting your adn, besides it being quicker and cheaper, you will be at a work sooner which means that you'll have an income sooner and then you can advance to a bsn later on if you choose to do so.



Bachelors Science in Nursing (BSN)

BSN is more expensive because they are from a 4-year university, which means that you're going to have about 2-years of prereqs and about 2-years of the actual nursing program. So it does take a longer amount of time to complete and is more expensive. In the end, just like an adn, you are going to take the NCLEX and get your RN. So both degrees, in the end, you will have your RN.


Advantages Of BSN

Because you're probably thinking, well, why would I want to spend more money?, Why would I want to take some time to get an bsn? When I can still get my iron with an adn. 

For bsn, you do have better advancement opportunities and if you're wanting to be a nurse manager like I was talking about with the adn, you're a lot more likely to get hired for those positions with a bsn. A lot of hospitals are also starting to only hire bsn's. I know that for a lot of hospitals around me and I've read online that this is happening across the nation, is they're wanting to hire bsn and not so much adn's, there are also a lot of hospitals alpha that do hire adn, so if you have your adn or you're getting your adn right now, don't worry if you think you're not going to be able to find a job, you will find a job, but they do tend to like to hire bsn


  • If you have two people applying for a job and one has their adn and one has a bsn, they're going to want to go with the bsn. Another thing is that adn and bsn is starting out at the same pay grade, but like I said earlier, bsn tends to advance more rapidly, which means that your pay grade will also increase as well. 

Bsn also require more research base and critical thinking course throughout the prereqs and the nursing program, and bsn tend to get a little bit more well-rounded education and it has been shown to increase your critical thinking skills in the hospital setting which has been shown to reduce errors as well. 

Not saying that ADN you don't get a good education you still do, BSN just requires more credit hours in more courses, which means that you are getting a little bit more well-rounded of an education. 


Advantages Of BSN

Another advantage of a bsn is a lot of master programs or nurse practitioner or nurse anesthetists programs require that you have a bsn in order to get into them. I'm not sure if that's for every single program that's out there, but from what I read and from what I have researched, that if you want to go on and get your MSN your masters or you want to become a nurse practitioner, you usually require you have your bsn.

Like I said earlier, you can get your adn and then go on and get your bsn and then go on and get your bsn and then go on to get your masters, but if you already have your bsn, that's just one less step that you have to actually complete.




Those are some of the pros and cons of getting an adn versus a bsn. I definitely think that if you are researching the two ideas right now, it's really good to put in that research and put on that time because it is a big decision. 

Sunday, 16 February 2020

Do You Need An Immigration Attorney?

Immigration Attorney

Today, we're going to discuss a very relevant topic for most immigration clients. The topic is, "Do you need an immigration lawyer?" My response is no and yes. No, because if you can understand the law, if you have the ability and the patience to read through the laws, the contradictions of the laws, the exceptions of the laws, the exceptions to the exceptions, you don't need an immigration lawyer. You can do it by yourself. in fact, as the law was originally designed, it was designed so that anyone could technically help themselves. 

But over the years law has become very complicated and immigration law is one of the most complicated. So on the other hand, I tell people, "Well, maybe you do need an immigration lawyer. If you can't do those things. Or if there are some tricky areas. Or you may have some problems that arise out of your history, then you are certainly going to need an immigration lawyer at some point in the process. 


No 10-Year Rule And You Get A Green Card

But let's discuss how people go to an immigration lawyer and they say "Well, I have heard that I can get a green card if I have lived here 10 years." The truth is not necessarily. You have to meet other requirements. You have to meet other conditions. There are no such things as a 10-year rule and you get a green card. It just doesn't happen.


Getting A Green Card Or Citizenship Is Not Easy

Someones come to your house and they have been successful in getting their green card or citizenship papers and they tell you it is really easy. " The forms are really simple. I can help you fill them out. Your daughter can do the papers for you, your nephew can do the papers for you." Well, they look simple. The answer is simple. You know your name. You know every name you have used. You know your address. You know your telephone number. You know those things but what you do not know is the significance of how it all ties together. 

You do not know about how significant it could be when you entered the country, whether you entered with permission, what type of permission, whether you have exceeded that permission, what date you entered, or whether you re-entered and how long you were gone. Those are questions that could become very important in your case later. So if you have those types of questions, you may, in fact, need an immigration lawyer.

Read: Immigration Lawyer Fees: How To Get The Best Deal - 5 Tips

Do I Need An Immigration Attorney?


1. Immigration Law Is Complicated And unpredictable.

I know of some Supreme Court cases in the last two weeks, in the last six weeks, that have changed the rules for certain permanent residents. These cases may benefit them greatly and these changes can come overnight. There could be a court case that changes the rules. There are things that Congress is discussing right now that could change the law. You have to be aware of those changes because those changes are coming very soon, then you may want to delay filing those papers if the changes will help you. On the other hand, if the changes are going to hurt you, then you may want to speed up things. 


2. Immigration Law Can Change Human Lives - Forever

The second reason why you might need an immigration lawyer is it can change your life forever. The difference between winning and losing is the difference between living here and going back to your home country, and if you come from an impoverished region of an impoverished country, well then the difference is that you would be in the United States, your children would have the right to an education there, you would be able to work there legally. You would be able to live there legally versus going back to a country that is in throes of chaos or despair or political disruption.

The very important reason why you might want to hire an immigration lawyer. If you feel that your case has some tricky issues, if you feel your case has some difficult issues, think about the difference between winning or losing. You may decide, you know what, if I lose it is going to change my life dramatically if I win, it is going to change dramatically. it is all or nothing. In that situation, you may want to hire an immigration attorney.


3. Immigration Law Is About More Than Just Law - It's About Advocacy And Commitment.

When you look for an immigration lawyer, look for one that really cares about immigration. Look for an immigration lawyer who really cares about challenging laws that are unfair. Look for a lawyer that is not afraid to stand up to immigration judges, who are not afraid to take cases to a higher court when he feels that the whole system has not been fair to you or if a judge has made a mistake. 

There are lawyers just like there are doctors, just like there are accountants, and then there are lawyers and doctors and accountants. There are some that put everything they have into it, their heart and soul, and there are some that, well, do not put that much into it. And then there are some that are really bad guys. Very few on a percentage basis. But there are those and there is no way you can tell until you go about talking to attorneys, interviewing attorneys.

But if you decide to hire an attorney, hire one who cares about more than just being a lawyer. They care about immigration. they care about justice. They care about fairness. 




Hope you learn something from our article

Saturday, 15 February 2020

How To Choose The Right Immigration Attorney

Immigration Attorney

We're going to be talking about how to choose the right immigration attorney for you, and to make sure that they're qualified for your case. I recently talk about immigration lawyer fees, where I show you how to get the best deal when working with an immigration lawyer, you might want to check that out. 

Alright, let's get started for choosing the right immigration attorney for you.


Choose A Lawyer Who Exclusively Focuses On Immigration Law

A lot of people if you look on their websites or even talk to them, they do multiple things, they can help you with your divorce, they can help you if you're injured, they can help you if you have problems with your boss and they can help you with your immigration matter. This person is what we refer to as a general practitioner. Somebody who dabbles in every type of law out there or dabbled in more than just immigration. 


Immigration Law Is Federal And Complicated

Immigration has always been said to be the second most complicated area of the law next to tax law. it is based on federal law and is unlike any kind of state civil or court procedure, common to other areas of the law. This combined with the reality the immigration law is constantly changing, with new regulations, new cases introduced every single day and new interpretations by CIS. 

Even immigration lawyers find themselves specializing within their own field to keep up with it all. So be very wary if you're going to someone who does more than immigration. Are they going to be competent to take on your case?


Choose An Attorney Who Will Be With You Through the Entire Process

Many people try to save a little money or hire an attorney who will just fill out the forms, but that's not immigration representation. A lot can happen even if you fill out the forms correctly if you don't submit the right things and you can follow up with the attorney and the attorney can't follow up on your behalf with immigration if something goes wrong at your interview, you want someone who's going to be with you from the very beginning advising you on what documents to provide, advising you with any hiccups that may come up or any issues that arise and also be with you to prepare you for the interview and be with you at the interview itself. 

How would you like to go through the expense and the time and get your hopes up that everything is going to go well and then at the interview, everything falls apart? It is worth talking to an attorney who's willing to take the risk with you at your side.


Ask A Lawyer For Examples Of Cases Like Yours

If you have any doubt that the lawyer you're speaking to does not devote a large amount of time to immigration work, feel free to ask them for examples of recent cases similar to yours that they've worked on. Don't be worry about offending the lawyer, this is your future, this is your life, you have the option to go to another attorney if this line doesn't fit with how you think things should run. You have choices, be careful who you choose.


American Immigration Lawyer's Association (AILA)

Choose a lawyer who is a member of the American immigration lawyer association. American immigration lawyer association is the only national association of its kind, that has the most immigration attorney as members. Is a branch of the American bar association which is the most prestigious and honored society of lawyers in the United State.


A Lawyer Cannot Legally Guarantee the Outcome Of Your Case.

It is rare that a case is perfect and no lawyer is legally allowed to guarantee you a result. So that is a major red flag if they guarantee you a positive outcome. However, do your homework, know the type of case and if you don't feel comfortable with the attorney that they know what they're doing, walk away.


Determine The Likelihood of Success Before You Sign A Contract.

Make sure you understand the positives and negatives in your case. You want to determine the likelihood of success in your case before you sign on the dotted line. it goes without saying that you should always have a contract with an immigration attorney signed by the attorney and by you, so you understand the services and the risks involved in going forward with your immigration case.


A Good Immigration Attorney Provides Excellent Service

First of all, I suggest that you choose a lawyer who provides excellent service, how accessible is your lawyer? You need to find out that if you call an emergency, are you going to be able to get through, can you get an appointment with your lawyer within the week that you call or where every single one of your questions is answered by a paralegal or support staff. 


Choose A Lawyer Who Offers Education

Choose a lawyer who also offers educational seminars or trains other lawyers. A lawyer who is constantly in the officer and is never out in public addressing the needs of the local community and clients just like you who reside there are likely out of touch with the law. Because they're often asked questions when you're out speaking engagements and if you don't know the answers then no one is going to hire you. So you want to make sure that someone who is active in their community and knows what they're doing. 


Successful Attorney Have usually Published Articles On Immigration Law

I also suggest you choose a lawyer who has written many articles for the American immigration association or has been published nationwide on immigration topics. They have to do their homework if they're going to be telling you about immigration and the law and how it affects you.


A Published Attorney Is More Experienced

Evidence of a lawyer's knowledge and expertise in any area is being recognized by his or her peers, and when you're published for national associations or newspapers then your opinion matters.


Has The Lawyer Been Invited To Write Articles For AILA?

Being asked to write for the American immigration lawyers association is one of the highest honors an immigration lawyer can receive. Because this association is in charge train all new immigration attorneys


Has The Lawyer been Invited To Speak Like An Expert Publically?


Similarly speaking at an AILA national conferences and regional conferences is also prestigious to any lawyer who is asked. Because you're asked to train people new to immigration who have clients and their lives in their hands.







Hope you found some value in this article