Larry and Marides

Yes I did get that notice. Thanks to you, I have ignored that part. I have seen you mentioning that on other people's posts.

That's a good alternative if it comes to that. My IRA is a conventional pre tax IRA, not a Roth. I only hesitate to make a large withdrawal due to taxes. Thanks for the suggestion.

My assets are cash and are very liquid. So liquid that I can withdrawal them from the ATM. Your right, interest only will not go up as fast as the cost of living. That's why people use a managed brokerage account with a diverse portfolio.

It's easy to add a spouse to my health insurance once I enter the United States. I just go to the "life changes" section and add the spouse.

I'm not withdrawing from my IRA yet. I have an individual brokerage account that deposits a certain amount of cash into my checking account. Since I'm spending less than the tax threshold, my form 1040 income appears low. That's how inexpensive it is to live in the Philippines.

I won't be eligible for social security until July 2025. I retired early.

My assets are generating the same amount of income as if I was working, and still earning dividends. The problem is, like me, everyone is getting information from Ms Heard. Please see the comments from pushbrk regarding assets.

Thank you for taking the time to answer my questions.

My evidence of domicile consists of: I intend to re establish domicile by moving into the house that I own. House with with a deed, property tax receipts, property insurance, drivers license, voting records, bank and brokerage accounts, credit cards, U.S Cell phone plan with a U.S. phone number. I am temporarily living in the the Philippines only because the visa process is long. 14 months for I-130. DQ in September, now another 12 months estimated wait time. I hope they realize this was a temporary stay.

Thank you again for your detailed answer. You definitely helped me out with your statement " Instead of focusing on possible failure, I suggest you focus on why you will succeed." I will succeed because my assets are sufficient.

Thanks for you reply. My spouse is DQ. I'm temporarily living in the Philippines due to the long processing time. We are still awaiting the interview at Manila. The assets I'm using are liquid. Maybe it only appears that many people are getting denied because they are the ones that complain and the people with a positive experience don't even mention being approved.

Thanks for your reply. I have conclusive evidence and my assets are generating income. I hope this is enough. My evidence of domicile consists of: House with with a deed, property tax receipts, property insurance, drivers license, voting records, bank and brokerage accounts, credit cards, U.S Cell phone plan with number

Thank you Mr pushbrk. I always look forward to your answers to others on this forum. Thank you for your hard work answering member questions. You answer has actually eased my anxiety. I am old enough to withdrawal from my IRA, and I also have a non retirement brokerage account that generates income that I have been withdrawing from. I do meet the asset requirements . Since the cost of living is so low in the Philippines, my income for tax purposes appear insufficient. Thank you for time. I always enjoy reading your straight to the point, no nonsense answers.

I have health insurance, and my assets are generating income. The problem is they are generating non taxable income. My spouse also is an registered nurse with a bachelor's degree and will be able to find a job at a hospital.

My assets are generating income. The policy states that assets can be used. Let me restate my question. Why are some people getting approved on assets, but others aren't. It seems to depend on the mood of the consul. You have to keep reading the instructions. They state starting on page 9: If your total household income does not meet the requirement, you may submit evidence of the value of your assets, the sponsored immigrant’s assets, and/or assets of a household member that can be used, if necessary, for the support of the intending immigrants. The value of assets of all of these persons may be combined in order to meet the necessary requirement. Only assets that can be converted into cash within one year and without considerable hardship or financial loss to the owner may be included. The owner of the asset must include a description of the asset, proof of ownership, and the basis for the owner’s claim of its net cash value. You may include the net value of your home as an asset. The net value of the home is the appraised value of the home, minus the sum of any and all loans secured by a mortgage, trust deed, or other lien on the home. If you wish to include the net value of your home, then you must include documentation demonstrating that you own it, a recent appraisal by a licensed appraiser, and evidence of the amount of any and all loans secured by a mortgage, trust deed, or other lien on the home. You may not include the net value of an automobile unless you show that you have more than one automobile, and at least one automobile is not included as an asset Total Value of Assets. In order to qualify based on the value of your assets, the total value of your assets must equal at least five times the difference between your total household income and the current Federal Poverty Guidelines for your household size. However, if you are a U.S. citizen and you are sponsoring your spouse or child age 18 years of age or older, the total value of your assets must only be equal to at least three times the difference. If the intending immigrant is a foreign national orphan who will be adopted in the United States after he or she acquires legal permanent residence, and who will, as a result, acquire citizenship under section 320 of the INA, the total value of your assets need only equal the difference. What if I Cannot Meet the Income Requirements? The value of your assets, the assets of any household member who has signed Form I-864A, or the assets of the intending immigrants; or 4. A joint sponsor whose income and/or assets equal at least 125 percent of the Federal Poverty Guidelines. You may use assets to supplement income if the consular or immigration officer is convinced that the monetary value of the asset could reasonably be made available to support the sponsored immigrant and converted to cash within one year without undue harm to the sponsor or his or her family members. You may not include an automobile unless you show that you own at least one working automobile that you have not included.

I'm looking for the answer. Someone must know why some people get rejected, even if they are 10 times the poverty level. No sponsors are available anyway. I don't blame them. If you read the contract I too would never be a sponsor. Learned my lesson long ago co signing for a car loan. I ended up paying it. I don't want to make huge withdrawals from my IRA account for income that's not needed while temporarily living in the Philippines.

Are you kidding, they won't answer why. I've heard of people questioning them and immediately getting escorted out. So again, does anyone know why the consuls refused to follow policy. Liquid assets are cash.

I've been reading your posts. Why can't they all follow the policy. They should replace all the consuls with Artificial Intelligence. Even ChatGPT and Google Gemini know the answer.

You are your best qualified person for the job. It all can be completed online and since your personally involved, it gets done quicker. Easy step by step instructions are here. https://travel.state.gov/content/travel/en/us-visas/immigrate/the-immigrant-visa-process/step-1-submit-a-petition.html

II heard that many people are getting rejected on assets. I know "Heard "is a very popular person. I'm still waiting for my visa interview. I'm trying to find out why "Heard" is scaring so many people. I also read on other forums like Reddit and Facebook that some people are getting rejected on liquid assets, even though they are qualified. Are there details that are being left out? I'm retired and have a very low reported income because I'm temporarily living in the Philippines where the cost of living is very low. So low that my reported income from IRA withdrawals is lower than the poverty level. I have significant liquid assets that make me well qualified to meet the requirements of assets. The policy states that assets can be used. I heard that many are being rejected using assets. I'm trying to figure out why the consul would reject these people?

How many months have you been waiting? Mine I-130 petition took 14 months. The celebration ended quickly when I found out that the visa interview wait iat the U.S. Embassy in Manila will take an additional 12 months. So now I am 17 months into the overall process.

I think I found out the reason why some people are rejected with assets. I found their manual online. I believe the officer didn't read the whole section of the manual. I have posted some excerpts below. I think the officer stops reading the manual when he comes to this section: (2) If the relative petitioner sponsor cannot meet the income guidelines described in 9 FAM 601.14-2 above, the visa applicant ***will require a joint sponsor*** The officer isn't reading the entire document in my opinion. The document section is long. I only posted excerpts. If the officer keeps reading he would come to this section regarding assets. (2) The sponsor or joint sponsor may include their assets (and offsetting liabilities), and/or the assets of any household members signing Form I-864A, as income to make up any shortfall toward meeting the Federal poverty guidelines. The assets (including bank accounts, stock, other personal property, and real estate) must be available in the United States for the applicant's support and must be readily convertible to cash within one year. In most cases, the sponsor must present evidence as described in 9 FAM 601.14-16 paragraph a(7), establishing location, ownership and value of each asset listed, including liens and liabilities for each asset listed. The combined cash value of all the assets (i.e., the total value of the assets less any offsetting liabilities) must total at least five times the difference between the total household income and the minimum Federal poverty income requirement. (3) (U) Sponsors of immediate relative spouses and children of U.S. citizens, including Hague Convention adoptees who will not immediately acquire citizenship after admission to the United States, however, must only show combined cash value of assets in the amount of three times the difference between the actual household income and the minimum Federal poverty income requirement. In addition, sponsors of orphan applicants who will acquire citizenship after admission to the United States based upon either adoption in the United States after admission, or formal recognition of a foreign adoption under the law of the State of proposed residence, need only prove a combined cash value of assets in the amount of the difference between actual household income and the minimum Federal poverty income requirement. Here is an excerpt direct from the manual. Or read it all here https://fam.state.gov/fam/09FAM/09FAM030208.html#M302_8_2_B_29 FAM 601.14-5 SPONSORS (CT:VISA-1542; 05-12-2022) a. In General: 1) To qualify as a sponsor, an individual must be a natural person (not a corporation or other business entity) whos (a) Is a citizen, national, or LPR of the United States (including conditional residents); (b) Is at least 18 years of age; (c) Filed the petition which forms the basis for the visa application (or has a substantial interest in the entity which filed the petition); and (d) Is domiciled in any of the 50 States of the United States, the District of Columbia, or any territory or possession of the United States. See 9 FAM 601.14-7 below. (2) If the relative petitioner sponsor cannot meet the income guidelines described in 9 FAM 601.14-2 above, the visa applicant will require a joint sponsor d. Additional Assets Evidence: (1) The Form I-864 does not require sponsors to submit evidence of assets, if income alone is sufficient to meet the minimum Federal poverty guidelines income requirement described in paragraph a(2) above. The mere fact that the petitioner and/or sponsor have met the minimum requirement, however, does not preclude a finding of ineligibility under INA 212(a)(4). You may request evidence of assets and liabilities, if such information is necessary to determine the applicant's eligibility. If a sponsor or joint sponsor uses assets to prove the ability to support the sponsored immigrant, they may not use the Form I-864EZ. (2) The sponsor or joint sponsor may include their assets (and offsetting liabilities), and/or the assets of any household members signing Form I-864A, as income to make up any shortfall toward meeting the Federal poverty guidelines. The assets (including bank accounts, stock, other personal property, and real estate) must be available in the United States for the applicant's support and must be readily convertible to cash within one year. In most cases, the sponsor must present evidence as described in 9 FAM 601.14-16 paragraph a(7), establishing location, ownership and value of each asset listed, including liens and liabilities for each asset listed. The combined cash value of all the assets (i.e., the total value of the assets less any offsetting liabilities) must total at least five times the difference between the total household income and the minimum Federal poverty income requirement. (3) (U) Sponsors of immediate relative spouses and children of U.S. citizens, including Hague Convention adoptees who will not immediately acquire citizenship after admission to the United States, however, must only show combined cash value of assets in the amount of three times the difference between the actual household income and the minimum Federal poverty income requirement. In addition, sponsors of orphan applicants who will acquire citizenship after admission to the United States based upon either adoption in the United States after admission, or formal recognition of a foreign adoption under the law of the State of proposed residence, need only prove a combined cash value of assets in the amount of the difference between actual household income and the minimum Federal poverty income requirement. art 7 of Form I-864: Use of Assets to Supplement Sponsor’s Income: (1) If a sponsor cannot meet the Poverty Guideline requirement based upon total household income listed on line 24c, they may show evidence of assets owned by the sponsor and/or members of the sponsor’s household that are available to support the sponsored immigrant(s) and can be readily converted into cash within 1 year. (2) For assets of the intending immigrant and/or household member to be considered, the household member must complete and sign Form I-864A. (3) You should check to make sure that the Form I-864A is completed and signed by the sponsor and the household member. (4) Evidence of the sponsor’s assets should be attached to the Form I-864. Evidence of the principal sponsored immigrant’s and/or household member assets should be attached to Form I-864A. See 9 FAM 601.14-6 above.

If the rules are stated that assets can be used instead of income, why do they give people such a hard time? Why don't they just delete the asset requirements.

Your case didn't disappear. USCIS often goes website maintenance on the weekends.