In a significant shift in U.S. immigration policy, the State Department has announced an indefinite pause on immigrant visa proceedings for citizens of 75 countries . Effective January 21, 2026 , this directive targets individuals seeking permanent residency (Green Cards) from abroad. While the policy is being framed as a necessary measure to protect the U.S. economy, it has left thousands of families, employers, and hopeful immigrants in a state of uncertainty. Here is a detailed look at what is happening, who is affected, and what legal grounds the government is using. 1. What is the New Policy? The U.S. State Department is "pausing" the issuance of immigrant visas (IVs) for nationals of 75 specific countries. According to official statements, the pause is intended to allow the department to "reassess screening and vetting procedures." The primary concern cited by officials is the "Public Charge" rule. The administration argues that many applicants f...
Estate planning can feel overwhelming, but it doesn't have to be. For many homeowners, a Transfer on Death (TOD) deed, sometimes called a Beneficiary Deed, is a legal document that functions much like a payable-on-death designation for bank accounts. It is a powerful tool that simplifies the process of passing down real estate. This type of deed allows you to designate a beneficiary who will automatically inherit your property upon your death, bypassing the lengthy and expensive probate process. With a TOD deed, you retain complete control of your property during your lifetime. You can sell, mortgage, or revoke the deed at any time without the beneficiary's consent. It's only upon your death that the property automatically transfers to the named beneficiaries, without the need for probate court intervention. This flexibility, combined with the assurance that your property will pass directly to your chosen heir, makes it a popular estate planning strategy. Where Are TOD Deed...