投资移民绿卡的两种选择--50万投资移民与L-1跨国公司企业经理签证
金润律师事务所 陈文律师
最近不少人打电话过来， 询问50 万投资移民。 每每对方会问， 几年可以将投资拿回来， 是不是可以分红， 我总是提醒对方此投资并非短期存款或大额定期存单，它就象 买股票，今天买了，明天可能涨， 可能跌 ， 投资风险与绿卡风险并存。
所谓投资风险，是指区域中心项目运作的风险。区域中心项目管理人的规划与前景设计往往非常吸引人， 关键是两年以后， 或5 年以后，项目运作是否良好， 是否可以提供10个就业机会。 有些项目是初期建设， 比如兴建旅馆之类， 兴建过程大约需要1-3年， 短期很难预见盈利。 有的区域中心要求投资者加入作为合伙人，投入资金5年后才可以通过转让合伙人的份额撤出。 所以，投资资金的风险和回收期可以长达5年。
另外， 假如2年后投资中心项目运作出现问题，比如资金短缺， 各种经营许可得不到批准， 管理层内部操作失误等， 都有可能造成两年以后不能满足每个投资者的移民目的，提供10个就业机会， 导致投资人虽然得到临时绿卡，但2年后拿不到永久绿卡，这就是绿卡风险。 所以，50 万投资移民看似轻松，投资人只需要投入资金， 不用操心项目管理， 不需要在当地居住，其中的风险还是要慎重评估。 虽然区域中心越来越多， 挑选稳妥、健康的项目是非常重要的。 以纯粹投资人的眼光，看待50 万投资移民各个诱人的区域中心项目，才是正确的态度。
当然， 另外一种投资方式也可以拿到绿卡，就是投资人先取得L-1 跨国公司企业经理签证， 一年后再通过Eb- 1 C申请绿卡。L-1 签证需要的资金大约10-20 万美元，投资人需要亲历亲为，担任主管管理企业。L-1 签证的优势是投入资金少，投资人掌控企业运作情况，不需要雇佣10个全职雇员，可根据企业规模自由确定雇员人数 。不过，L-1签证的关键与50 万投资相似， 投入一定规模的资金和维持一定数量的雇员是移民局审查的重点。 我们律所刚刚通过加急程序办理成功两件L-1 签证的延期。 我们精心准备了各种证据， 证明该企业的资金雄厚， 发展前景广阔。但同时， 我也听到其他律师提到最近L-1 签证被RFE。 我们往年的经验是L-1 签证审批速度快，成功率100%，没有出现过RFE。 看来， 美国经济复苏缓慢， 也影响到L-1 签证的审批。 不过， 只要掌握L-1 签证的核心要点来准备证据，L-1 签证之路比50 万投资风险小的多。
金润律师事务所专长Eb1 A/B, NIW, PERM, L-1, H-1 B, O-1等申请，陈文律师为金润律师事务所创办律师， 经验丰富，成功率高。 事务所地址：2909 Hillcroft Ave.,Suite 350 Houston, TX 77057。律师热线：832-495-7889， Fax: 713-974-1181. E-mail: lawyerjchen@yahoo.com. 网址：www.niwlawus.com (由于移民法律变动频繁，本律师及事务所不保证以上内容的时效性和完整性，个案请向律师事务所咨询)
Saturday, June 18, 2011
Thursday, January 13, 2011
Closing Costs questions
我准备签一个合同买一个小房子。房价 $75000 ， cash offer.
但是，刚才我的agent给我一个closing cost 的估价，让我吃一惊， closing cost is almost $2509 for this small house! 我是用现金买的呀. 请问大家这样的charge 有道理吗。我在dallas
Title insurance $674
$Credit report $65
Flood Certificate: $40
Recording fees: $50
Underwriting fee:$200
Coldwell banker flat fee: $250
Messenger charge: $30
appraisal fee : $350
Doc Prep fee/ Attoney: $200
Settlement fee: $250
Tax Services fee: $75
Survey: $325
Total cost: $2509
Answer 1:
"cash offer"
Title insurance $674
>Normally the seller should pay for this.
$Credit report $65
>BS. no finance, no credit report.
Flood Certificate: $40
>Fair
Recording fees: $50
>Fair
Underwriting fee:$200
>Not sure what this is related to. If it's related to title insurance, should be paid by seller. If related to loan, should be $0.
Coldwell banker flat fee: $250
>I'd consider this BS. Is the settlement agency also called Coldwell Banker?
Messenger charge: $30
>Fair
appraisal fee : $350
>Did you pay this already? If not, fair.
Doc Prep fee/ Attoney: $200
>Fair. Though you didn't use a lawyer, some legal guy still has to prepare the docs.
Settlement fee: $250
>Kind of high, may ask for a discount/reduction. Just ask.
Tax Services fee: $75
>High.
Survey: $325
>Did you get a survey? For rental, many people skip this.
Total cost: $2509
All in all, the title insurance and coldwell banker flat fee seem the worst offender. Please, the big shrimps chip in.
Answer 2:
但是，刚才我的agent给我一个closing cost 的估价，让我吃一惊， closing cost is almost $2509 for this small house! 我是用现金买的呀. 请问大家这样的charge 有道理吗。我在dallas
Title insurance $674
$Credit report $65
Flood Certificate: $40
Recording fees: $50
Underwriting fee:$200
Coldwell banker flat fee: $250
Messenger charge: $30
appraisal fee : $350
Doc Prep fee/ Attoney: $200
Settlement fee: $250
Tax Services fee: $75
Survey: $325
Total cost: $2509
Answer 1:
"cash offer"
Title insurance $674
>Normally the seller should pay for this.
$Credit report $65
>BS. no finance, no credit report.
Flood Certificate: $40
>Fair
Recording fees: $50
>Fair
Underwriting fee:$200
>Not sure what this is related to. If it's related to title insurance, should be paid by seller. If related to loan, should be $0.
Coldwell banker flat fee: $250
>I'd consider this BS. Is the settlement agency also called Coldwell Banker?
Messenger charge: $30
>Fair
appraisal fee : $350
>Did you pay this already? If not, fair.
Doc Prep fee/ Attoney: $200
>Fair. Though you didn't use a lawyer, some legal guy still has to prepare the docs.
Settlement fee: $250
>Kind of high, may ask for a discount/reduction. Just ask.
Tax Services fee: $75
>High.
Survey: $325
>Did you get a survey? For rental, many people skip this.
Total cost: $2509
All in all, the title insurance and coldwell banker flat fee seem the worst offender. Please, the big shrimps chip in.
Answer 2:
Doc Prep fee/ Attoney和Settlement fee应该是escrow的费用。但是你不贷款，不知道Underwriting fee和appraisal fee 从何而来。我估计是一个standard 估计。到时不会收全部。另外，房子大与小，除了commission差别比较大之外，其它费用差别并不大。
Answer 3:
Answer 3:
You can request a copy of the estimated closing cost from the escrow company within a week.
Agree with 如山. A lot of fees are standard fees with loans.
Answer 4:
Agree with 如山. A lot of fees are standard fees with loans.
Answer 4:
Which Title Company? Something is wrong. Maybe need a different one.
I bought two properties last year with cash around Dallas area. The closing cost is only about $500.
Answer 5:
I bought two properties last year with cash around Dallas area. The closing cost is only about $500.
Answer 5:
Case 1: in MN
i'm in MN now, $466 is total closing cost paid for a town house, break down:
closing fee $175
title insurance: $180 ( could have been saved if I insisted, but closing agent normally insisted you buy)
Site inspection $40
Recording $25
County Recording $46
closing agent: Edina Realty Title ( a title company)
Case II: $850 --- in MA through an attorney
Both case are for cash offer, not apply to closing with a loan. $2000~2500 closing cost is reasonable in MA excluding reserve fund part
i'm in MN now, $466 is total closing cost paid for a town house, break down:
closing fee $175
title insurance: $180 ( could have been saved if I insisted, but closing agent normally insisted you buy)
Site inspection $40
Recording $25
County Recording $46
closing agent: Edina Realty Title ( a title company)
Case II: $850 --- in MA through an attorney
Both case are for cash offer, not apply to closing with a loan. $2000~2500 closing cost is reasonable in MA excluding reserve fund part
Gas Projects
http://bbs.wenxuecity.com/tzlc/280717.html
整个project花了我 $650 。如果没有city 和 plumber捣蛋，我全都可以自己做。
最初的一个plumber估价$4000多，后来降到$2700。其余plumber的都要收$2000多。
后来，我决定自己修，以下的部分全是我自己完成：
1。把所有通向furnace，water heater， range 的铁管子全换成 black gas pipe 。这是一个大活，我基本上reroute 了所有露在外面的gas pipe。原来房主用水管当gas pipe，不符合code
2。该用flexible gas connector 的地方全用flexible gas connector
3。换掉所有漏气的gas valves
4。为热水器加装 water pan 和出水通道。
5。为furnace重新开辟通向下水道的管道
6。用洗碗液查出了所有漏气的地方。
plumber 给我干了以下的事：
1）申请permit
2）把pvc换成cpvc
3）gas pressure test
4）打通一个废弃的下水管道
这个project花了我不少时间，但是学到很多东西。下次买老房子房时，心里更有数了。
整个project花了我 $650 。如果没有city 和 plumber捣蛋，我全都可以自己做。
最初的一个plumber估价$4000多，后来降到$2700。其余plumber的都要收$2000多。
后来，我决定自己修，以下的部分全是我自己完成：
1。把所有通向furnace，water heater， range 的铁管子全换成 black gas pipe 。这是一个大活，我基本上reroute 了所有露在外面的gas pipe。原来房主用水管当gas pipe，不符合code
2。该用flexible gas connector 的地方全用flexible gas connector
3。换掉所有漏气的gas valves
4。为热水器加装 water pan 和出水通道。
5。为furnace重新开辟通向下水道的管道
6。用洗碗液查出了所有漏气的地方。
plumber 给我干了以下的事：
1）申请permit
2）把pvc换成cpvc
3）gas pressure test
4）打通一个废弃的下水管道
这个project花了我不少时间，但是学到很多东西。下次买老房子房时，心里更有数了。
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