PRACTICE PARAPHRASING. Paraphrasing is the art of putting into your own words what you thought you heard and saying it back to the sender. For example, a subordinate might say: "You have been unfair to rate me so low on my performance appraisal. You have rated me lower than Jim. I can do the job better than him, and I've been here longer." A paraphrased response might be: "I can see that you are upset about your rating. You think it was unfair for me to rate you as I did." Paraphrasing is a great technique for improving your listening and problem-solving skills. First, you have to listen very carefully if you are going to accurately paraphrase what you heard. Second, the paraphrasing response will clarify for the sender that his or her message was correctly received and encourage the sender to expand on what he or she is trying to communicate.
Wednesday, April 14, 2010
AVOID GETTING DEFENSIVE. Do you ever take what another person says personally
AVOID GETTING DEFENSIVE. Do you ever take what another person says personally when what her or she is saying is not meant to be personal? Do you ever become angry at what another person says? Careful listening does not mean that you will always agree with the other party's point of view, but it does mean that you will try to listen to what the other person is saying without becoming overly defensive. Too much time spent explaining, elaborating, and defending your decision or position is a sure sign that you are not listening. This is because your role has changed from one of listening to a role of convincing others they are wrong. After listening to a position or suggestion with which you disagree, simply respond with something like, "I understand your point. We just disagree on this one." Effective listeners can listen calmly to another person even when that person is offering unjust criticism.
AVOID EARLY EVALUATIONS
AVOID EARLY EVALUATIONS. When listening, do you often make immediate judgments about what the speaker is saying? Do you assume or guess what the speaker is going to say next? Do you sometimes discover later that you failed to interpret correctly what the speaker was telling you? Because a listener can listen at a faster rate than most speakers talk, there is a tendency to evaluate too quickly. That tendency is perhaps the greatest barrier to effective listening. It is especially important to avoid early evaluations when listening to a person with whom you disagree. When listeners begin to disagree with a sender's message, they tend to misinterpret the remaining information and distort its intended meaning so that it is consistent with their own beliefs.
SEND THE NONVERBAL MESSAGE THAT YOU ARE LISTENING
SEND THE NONVERBAL MESSAGE THAT YOU ARE LISTENING. When someone is talking to you, do you maintain eye contact with that person? Do you show the speaker you are listening by nodding your head? Does your body language transmit the message that you are listening? Are you leaning forward and not using your hands to play with things? Most communication experts agree that nonverbal messages can be three times as powerful as verbal messages. Effective communication becomes difficult anytime you send a nonverbal message that you're not really listening.
CONCENTRATE ON WHAT OTHERS ARE SAYING
CONCENTRATE ON WHAT OTHERS ARE SAYING. When listening to someone, do you often find yourself thinking about a job or task that is nearing deadline or an important family matter? In the middle of a conversation, do you sometimes realize that you haven't heard a word the other person has said? Most individuals speak at the rate of 175 to 200 words per minute. However, research suggests that we are very capable of listening and processing words at the rate of 600 to 1,000 words per minute. An internal auditor's job today is very fast and complex, and because the brain does not use all of its capacity when listening, an auditor's mind may drift to thinking of further questions or explanations rather than listening to the message at hand. This unused brainpower can be a barrier to effective listening, causing the auditor to miss or misinterpret what others are saying. It is important for internal auditors to actively concentrate on what others are saying so that effective communication can occur.
tips for effective listening: productive listening does not occur naturally
tips for effective listening: productive listening does not occur naturally. It requires hard work and practice - Back To Basics - effective listening is a crucial skill for internal auditors
TO BE SUCCESSFUL AT THEIR job, internal auditors must be able to write, speak, and listen effectively. Of these three skills, effective listening may be the most crucial because auditors are required to do it so often. Unfortunately, listening also may be the most difficult skill to master.
Effective listening is challenging, in part, because people often are more focused on what they're saying than on what they're hearing in return. According to a recent study by the Harvard Business Review, people think the voice mail they send is more important than the voice mail they receive. Generally, senders think that their message is more helpful and urgent than do the people who receive it.
Additionally, listening is difficult because people don't work as hard at it as they should. Listening seems to occur so naturally that putting a lot of effort into it doesn't seem necessary. However, hard work and effort is exactly what effective listening requires.
Internal auditors must listen to explanations, rationales, and defenses of financial practices and procedures. They are constantly communicating with fellow employees whose backgrounds range from accounting to finance to marketing to information systems. In addition, explanations by fellow employees of any "unusual" practices often pose a significant challenge to an internal auditor's listening skills. Auditors can use the following techniques to improve these skills.
TO BE SUCCESSFUL AT THEIR job, internal auditors must be able to write, speak, and listen effectively. Of these three skills, effective listening may be the most crucial because auditors are required to do it so often. Unfortunately, listening also may be the most difficult skill to master.
Effective listening is challenging, in part, because people often are more focused on what they're saying than on what they're hearing in return. According to a recent study by the Harvard Business Review, people think the voice mail they send is more important than the voice mail they receive. Generally, senders think that their message is more helpful and urgent than do the people who receive it.
Additionally, listening is difficult because people don't work as hard at it as they should. Listening seems to occur so naturally that putting a lot of effort into it doesn't seem necessary. However, hard work and effort is exactly what effective listening requires.
Internal auditors must listen to explanations, rationales, and defenses of financial practices and procedures. They are constantly communicating with fellow employees whose backgrounds range from accounting to finance to marketing to information systems. In addition, explanations by fellow employees of any "unusual" practices often pose a significant challenge to an internal auditor's listening skills. Auditors can use the following techniques to improve these skills.
Thursday, April 8, 2010
• While, legally speaking, there's nothing wrong in having more than one health cover, the individual would only be over-insuring himself.
than one health policy. While, legally speaking, there's nothing wrong in having more than one health cover, the individual would only be over-insuring himself. Moreover, if the reason for having more than one policy is to cover a longer list of illnesses, then it's better to buy insurance from an insurer who insures the maximum number of illnesses. Buying from more than one insurer could present issues at a later date. For starters, you will be shelling out more money. Secondly, if you forget to disclose anything and the same comes to light later, you would be held guilty of suppressing important facts.
Then there is the question of still being eligible for the 'no claim bonus' for so many policies. According to experts, the impact of 'no claim bonus' will be governed by the way the policy is worded. When the insurance policies carry a clause called contribution clause, once a claim is made, all the policies will contribute to that claim and so the 'no claim bonus' may not continue. Hence the policyholder will not be
entitled to any 'no claim bonus' on any of his multiple covers once he makes a claim on any policy. Additionally, multiple health covers can prove inconvenient in actual operation because of the need to deal with
several insurers in respect of the same event. Hence, it may be better to choose a single insurance cover that suits the insured's needs best.
Another question which needs to be addressed when it comes to mediclaim is whether one needs to purchase an additional policy if one is already covered under corporate mediclaim. Experts are of the view that you may not need another policy in addition to your corporate mediclaim. However, if you are looking at changing jobs then you should look at having your own policy so that you can carry your 'no claim' history with you when you leave your job. Some group schemes allow you to carry your claims' history with you when you leave the job. In that case you do not need any additional insurance. The short answer, however, is that if you can afford to go for a health insurance policy in addition to your employer's policy then it is definitely worth it. •
My colleague Shirish had rhree mediclaim policies
My colleague Shirish had rhree mediclaim policies from three different companies - Rs 4 lakh cover from Iffco Tokio, Rs 1 lakh from Metlife and Rs 2.5 lakh from ICICI. Hence, when he was hospitalised recently his wife didn't know
which of the three insurers to inform for the
claim. Finally, she only called up ICICI Prudential as the sum insured of rhis policy and the claim amount matched. This, however, isn't the right thing to do when a person has multiple mediclaim policies as under such circumstances the principle of contribution comes into play.
Contribution policy aims to distribute the actual amount of claim among the different insurers who are liable for the coverage under different policies in respect of the same cause, incident or subject ·matter. Anyone insurer may pay to the insured the full amount covered by the policy and then become entitled to contribution from the other joint insurers in proportion to the amount which each has undertaken to reimburse in case of a claim by the insured. Thus, contribution is the right of the insurer to call upon other co-insurers liable to the same insured party to share the cost of an indemnity payment. There are a few factors on which the principle of contribution is based such as:
(a) The policies must cover the same interest. It is not necessary for the policies to be exactly similar. There should, however, be a commonality in such a manner that all the policies are liable for payment of the claim.
(b) The policies must cover a common subject matter. (c) Two or more policies of indemnity must exist.
(d) The policies must cover a common peril which gives rise to the loss.
(e) Each policy must be liable for loss.
Contribution is usually calculated on the basis of direct proportion. This means each insurer contributes towards paying the claim in proportion to the sums insured on the policies. Thus, in this case where the total claim is Rs 2.5 lakh, Iffco Tokio, Metlife and ICICI will have to pay Rs 1.33 lakh, Rs 0.33 lakh and Rs 0.83 lakh respectively. Ideally, one should share the information about existing possession of mediclaim policies while buying another one from a different insurance company. This will enable you to apply the principal of contribution in case of any unforeseen healthrelated incident.
One question that comes to mind in the context of the contribution clause is whether it makes sense to have more
which of the three insurers to inform for the
claim. Finally, she only called up ICICI Prudential as the sum insured of rhis policy and the claim amount matched. This, however, isn't the right thing to do when a person has multiple mediclaim policies as under such circumstances the principle of contribution comes into play.
Contribution policy aims to distribute the actual amount of claim among the different insurers who are liable for the coverage under different policies in respect of the same cause, incident or subject ·matter. Anyone insurer may pay to the insured the full amount covered by the policy and then become entitled to contribution from the other joint insurers in proportion to the amount which each has undertaken to reimburse in case of a claim by the insured. Thus, contribution is the right of the insurer to call upon other co-insurers liable to the same insured party to share the cost of an indemnity payment. There are a few factors on which the principle of contribution is based such as:
(a) The policies must cover the same interest. It is not necessary for the policies to be exactly similar. There should, however, be a commonality in such a manner that all the policies are liable for payment of the claim.
(b) The policies must cover a common subject matter. (c) Two or more policies of indemnity must exist.
(d) The policies must cover a common peril which gives rise to the loss.
(e) Each policy must be liable for loss.
Contribution is usually calculated on the basis of direct proportion. This means each insurer contributes towards paying the claim in proportion to the sums insured on the policies. Thus, in this case where the total claim is Rs 2.5 lakh, Iffco Tokio, Metlife and ICICI will have to pay Rs 1.33 lakh, Rs 0.33 lakh and Rs 0.83 lakh respectively. Ideally, one should share the information about existing possession of mediclaim policies while buying another one from a different insurance company. This will enable you to apply the principal of contribution in case of any unforeseen healthrelated incident.
One question that comes to mind in the context of the contribution clause is whether it makes sense to have more
Mantra Of Multiple Policies
What happens when you have more than one mediclaim policy and need to make a claim in the wake of any illness or accident? That's when you have to take the contribution factor into consideration, points out Jay Sampat
The Sensex has once again crossed the 17,000 level
The Sensex has once again crossed the 17,000 level. It can be considered significant, if not decisive, considering that the market has been moving sideways for sometime. However, there are conflicting views about what the
market has in store in the near and short term. While a section of experts believe that a correction is just around the corner, another section feels that the stock market is gearing for a major move upward. A situation like this can unsettle a lot of investors and pose a dilemma as to what their next move should be.
First, let us address the issue of correction in the stock market. It is very difficult to predict as to when this liquidity driven rally is going to come to a halt, if at all. Moreover, considering that the long-term prospects of the stock market look positive, timing the market may not be a great idea. Remember, with any investments there are fWO key decisions to be made. The first is when to buy and the second is when to sell. Obviously, the difficult one is to know when to sell.
Any attempt to book profit with an intention to reinvest at lower levels is nothing but trying to time the marker and that is not a great idea. While booking profits periodically can be a useful exercise for the long-term health of the portfolio, relying on the market timing to do so may not always be a smart thing to do. Therefore, one needs to follow a proper strategy to book profits: The right way to book profits is by way of rebalancing the portfolio to bring the asset allocation back at the original level. This will ensure that one remains invested in equity at all times.
While doing so, one needs to consider one's risk profile and the impact the current valuation of equity funds has had on the original asset allocation. Another way for a mutual fund investor to book profit periodically is to opt for dividend payout option. This not only ensures periodical profit booking but also provides an opportunity to rebalance the portfolio without any tax implications.
Coming back the current market situation, while some investors are grappling with indecision about whether to
book profit or not, there are those who are ready to take their portfolio beyond their accepted level of risk in the hope of making a quick buck. Some of the aggressive funds that have done well in the recent past look too tempting to resist. One such category of funds is sector funds. Though these funds can be a great addition to a diversified portfolio both in terms of improving overall returns as well as increasing exposure to those industries that may be under-represented in the existing funds, they may not be suitable to all investors.
Besides, it is advisable that one reviews one's portfolio to make sure that one is not investing in a sector in which there is already a sizeable exposure through other funds. The basic idea of sector funds is to enable investors to take advantage of industry cycles. Since sector funds ride on market cycles, they have the potential to offer good returns if the timing is perfect. However, as sector funds invest in one industry or sector, they do not provide the downside risk protection available in
a diversified fund. Further, many a time investors end up investing in sector funds when the sector is near its highest prices.
Generally, sector funds should constitute only a limited portion of a portfolio, as they are much riskier than a diversified fund. That's why only those who have an adequately diversified
portfolio and the risk appetite to absorb extreme movements should consider investing in these funds. One can adopt different strategies to reduce the risks generally associated with investing in sector funds. One such strategy is to have small exposure in 3-4 sectors rather than having a huge exposure in one sector. However, before investing in a sector fund one needs to assess certain key criteria that may be important to one's profile. These are:
· How diversified is the existing portfolio?
· What is the risk taking capacity and the temperament to tackle the volatile nature of sector funds?
· Does one have the capacity to hold a sector fund for the long-term if required and to curb the urge to switch frequently from one sector to another?
· Is one willing to invest some time and effort to keep up with the industry developments in a chosen sector?
So, the key to benefit from the true potential of equity funds is to keep the focus on one's investment goals and risk taking capacity. Avoid taking short-term measures as they can severely damage your chances to achieve your long-term investment goals.
market has in store in the near and short term. While a section of experts believe that a correction is just around the corner, another section feels that the stock market is gearing for a major move upward. A situation like this can unsettle a lot of investors and pose a dilemma as to what their next move should be.
First, let us address the issue of correction in the stock market. It is very difficult to predict as to when this liquidity driven rally is going to come to a halt, if at all. Moreover, considering that the long-term prospects of the stock market look positive, timing the market may not be a great idea. Remember, with any investments there are fWO key decisions to be made. The first is when to buy and the second is when to sell. Obviously, the difficult one is to know when to sell.
Any attempt to book profit with an intention to reinvest at lower levels is nothing but trying to time the marker and that is not a great idea. While booking profits periodically can be a useful exercise for the long-term health of the portfolio, relying on the market timing to do so may not always be a smart thing to do. Therefore, one needs to follow a proper strategy to book profits: The right way to book profits is by way of rebalancing the portfolio to bring the asset allocation back at the original level. This will ensure that one remains invested in equity at all times.
While doing so, one needs to consider one's risk profile and the impact the current valuation of equity funds has had on the original asset allocation. Another way for a mutual fund investor to book profit periodically is to opt for dividend payout option. This not only ensures periodical profit booking but also provides an opportunity to rebalance the portfolio without any tax implications.
Coming back the current market situation, while some investors are grappling with indecision about whether to
book profit or not, there are those who are ready to take their portfolio beyond their accepted level of risk in the hope of making a quick buck. Some of the aggressive funds that have done well in the recent past look too tempting to resist. One such category of funds is sector funds. Though these funds can be a great addition to a diversified portfolio both in terms of improving overall returns as well as increasing exposure to those industries that may be under-represented in the existing funds, they may not be suitable to all investors.
Besides, it is advisable that one reviews one's portfolio to make sure that one is not investing in a sector in which there is already a sizeable exposure through other funds. The basic idea of sector funds is to enable investors to take advantage of industry cycles. Since sector funds ride on market cycles, they have the potential to offer good returns if the timing is perfect. However, as sector funds invest in one industry or sector, they do not provide the downside risk protection available in
a diversified fund. Further, many a time investors end up investing in sector funds when the sector is near its highest prices.
Generally, sector funds should constitute only a limited portion of a portfolio, as they are much riskier than a diversified fund. That's why only those who have an adequately diversified
portfolio and the risk appetite to absorb extreme movements should consider investing in these funds. One can adopt different strategies to reduce the risks generally associated with investing in sector funds. One such strategy is to have small exposure in 3-4 sectors rather than having a huge exposure in one sector. However, before investing in a sector fund one needs to assess certain key criteria that may be important to one's profile. These are:
· How diversified is the existing portfolio?
· What is the risk taking capacity and the temperament to tackle the volatile nature of sector funds?
· Does one have the capacity to hold a sector fund for the long-term if required and to curb the urge to switch frequently from one sector to another?
· Is one willing to invest some time and effort to keep up with the industry developments in a chosen sector?
So, the key to benefit from the true potential of equity funds is to keep the focus on one's investment goals and risk taking capacity. Avoid taking short-term measures as they can severely damage your chances to achieve your long-term investment goals.
• While booking profits periodically can be a useful exercise
· While booking profits periodically can be a useful exercise for the long-term health of the portfolio, relying on the market timing to do so may not always be a smart thing to do.
· Since sector funds ride on market cycles, they have the potential to offer good returns if the timing is perfect.
At a time when you are faced with indecision
At a time when you are faced with indecision because
of the markets moving sideways instead of in a linear position, remember that investments should always be done keeping a long-term perspective in mind, especially when it comes to investing in sector funds
Tuesday, April 6, 2010
Mandir mein jaap karta hoon, Masjid mein adaab karta hoon, Insaan se kahin
Mandir mein jaap karta hoon, Masjid mein adaab karta hoon, Insaan se kahin
bhagwan na ban jaun isliye roz tujhko SMS karke paap karta hoon.
bhagwan na ban jaun isliye roz tujhko SMS karke paap karta hoon.
Bhagwan se Scooter manga.. Car di; Ghar manga.. bangla diya; dost manga toh
Bhagwan se Scooter manga.. Car di; Ghar manga.. bangla diya; dost manga toh
tumhey diya.. Bhagwan ne is bar aisa zulm kyoun kiya
tumhey diya.. Bhagwan ne is bar aisa zulm kyoun kiya
woh bhi kya din the jab log aapko kiss kiya karte the par apki phooti kismat tab
woh bhi kya din the jab log aapko kiss kiya karte the par apki phooti kismat tab
aap hugies main hua karte
aap hugies main hua karte
Bazu-o-mein dum rakhta hun, Dil mein gum rakhta hun, Pata tha SMS ayega
Bazu-o-mein dum rakhta hun, Dil mein gum rakhta hun, Pata tha SMS ayega
tera, Isliye DISPRIN sang rakhta hun
tera, Isliye DISPRIN sang rakhta hun
Chandni chawk ka fawara na hota.India gate ka nazara na hota.Fashion ne agar
Chandni chawk ka fawara na hota.India gate ka nazara na hota.Fashion ne agar
ladkiyon ko bigada na hota.To india ka koi ladka awara na hot.
ladkiyon ko bigada na hota.To india ka koi ladka awara na hot.
humne tumko dekha tumne humko dekha aise bandar bandariya ak doosre ko
humne tumko dekha tumne humko dekha aise bandar bandariya ak doosre ko
dekhte ho jaise
dekhte ho jaise
Taj Mahal kya cheez hai, isse badi imaarat banaunga. Mumtaz to marke dafan hui
Taj Mahal kya cheez hai, isse badi imaarat banaunga. Mumtaz to marke dafan hui
thee, tujhe to main zinda dafnaunga
thee, tujhe to main zinda dafnaunga
u mean alot to me
u mean alot to me You, do you remember me? Like I remember you? Do you spend your life Going back in your mind to that time? Because I, I walk the streets alone I hate being on my own And everyone can see that I really fell And I'm going through hell Thinking about you with somebody else
Somebody wants you Somebody needs you Somebody dreams about you every single night Somebody can't breath without you, it's lonely Somebody hopes that one day you will see That Somebody's Me
How, How could we go wrong It was so good and now it's gone And I pray at night that our paths soon will cross And what we had isn't lost Cause you're always right here in my thoughts
Somebody wants you Somebody needs you Somebody dreams about you every single night Somebody can't breath without you, it's lonely Somebody hopes that one day you will see That Somebody's Me
You'll always be in my life Even if I'm not in your life Because you're in my memory You, when you remember me And before you set me free Oh listen please
Somebody wants you Somebody needs you Somebody dreams about you every single night Somebody can't breath without you, it's lonely Somebody hopes that one day you will see That Somebody's Me.
Somebody wants you Somebody needs you Somebody dreams about you every single night Somebody can't breath without you, it's lonely Somebody hopes that one day you will see That Somebody's Me
How, How could we go wrong It was so good and now it's gone And I pray at night that our paths soon will cross And what we had isn't lost Cause you're always right here in my thoughts
Somebody wants you Somebody needs you Somebody dreams about you every single night Somebody can't breath without you, it's lonely Somebody hopes that one day you will see That Somebody's Me
You'll always be in my life Even if I'm not in your life Because you're in my memory You, when you remember me And before you set me free Oh listen please
Somebody wants you Somebody needs you Somebody dreams about you every single night Somebody can't breath without you, it's lonely Somebody hopes that one day you will see That Somebody's Me.
Girl says: It's unfair that if a guy have a different girl
36) Girl says: It's unfair that if a guy have a different girl every week, he's a legend, but if a girl have just two guys in a year, she's a slut. Guy responds: If a key opens lots of locks, then it's a master key, But if a lock is opened by lots of keys, then it's a shitty lock...
TwO things are impOrtant in Our life.
TwO things are impOrtant in Our life.!.
Friend Friendship First One, yOu shOuld make.! SecOnd One, yOu shOuld kEEp
Friend Friendship First One, yOu shOuld make.! SecOnd One, yOu shOuld kEEp
told GOD let all my freinds be healthy and happy 4ever
told GOD let all my freinds be healthy and happy 4ever! GOD said:But for 4 days only! I said:Yes, let them be a Spring day,Autumn day,Summer day & Winter day!
GOD said:No. 3 days!
I said:Yes, Yesterday,Today&2mrw!
GOD said:No. 2 days!
I said:Yes,a Bright day (Day Time) and Dark day (Night Time)!
GOD said:No.Just 1 day! I said:Yes! GOD asked:Which day? I said:Everyday! GOD laughed and said:U realy know how to negotiate.but since u are praying and asking happiness for ur friends,I can't refuse. I love everyone who thinks of others 1st,so dont you worry. All ur friends wil be happy everyday! Gud Night
GOD said:No. 3 days!
I said:Yes, Yesterday,Today&2mrw!
GOD said:No. 2 days!
I said:Yes,a Bright day (Day Time) and Dark day (Night Time)!
GOD said:No.Just 1 day! I said:Yes! GOD asked:Which day? I said:Everyday! GOD laughed and said:U realy know how to negotiate.but since u are praying and asking happiness for ur friends,I can't refuse. I love everyone who thinks of others 1st,so dont you worry. All ur friends wil be happy everyday! Gud Night
Namaskar Agar Dharti par ho to SMS bhejo,Aasman me ho to Barish bhejo.Swarg
Namaskar Agar Dharti par ho to SMS bhejo,Aasman me ho to Barish bhejo.Swarg
me ho to Apsara bhejo,Aur agar Narak me ho to .Enjoy Yourself.
me ho to Apsara bhejo,Aur agar Narak me ho to .Enjoy Yourself.
Ho gayi galti humse, click ho gaya mouse Duniya ki parwaah chhodo, ban jaao
Ho gayi galti humse, click ho gaya mouse Duniya ki parwaah chhodo, ban jaao
meri spouse
Hindi SMS submitted by : - pratham
meri spouse
Hindi SMS submitted by : - pratham
Maine apko phone kiya to network bola,Namskar, murkho ki duniya me apka
Maine apko phone kiya to network bola,Namskar, murkho ki duniya me apka
swagat hai,Aap jis murkh se is vaqt bat karna chate hai uska DIMAG out of
coverage hai.
Hindi SMS submitted by : - pratham
swagat hai,Aap jis murkh se is vaqt bat karna chate hai uska DIMAG out of
coverage hai.
Hindi SMS submitted by : - pratham
zindagi behal hai ,sur hai na tal hai,msg box bhi kangal hai,kya apke sms factory
zindagi behal hai ,sur hai na tal hai,msg box bhi kangal hai,kya apke sms factory
me hadtal hai, yar kuch bhi bhejo, ye mere mobile ki zindagi ka sawal hai...
me hadtal hai, yar kuch bhi bhejo, ye mere mobile ki zindagi ka sawal hai...
Jiwant asal tar SMS pathwa. Dhagat gela asal tar PUAS pathwa. Swargat asal tar
Jiwant asal tar SMS pathwa. Dhagat gela asal tar PUAS pathwa. Swargat asal tar
APSARA Pathwa. Aani jar Markat asal tar tumcha HANDSET pathwa.
APSARA Pathwa. Aani jar Markat asal tar tumcha HANDSET pathwa.
Welcome To Care center Khushi k liye1 dabaye.Muskan k liye 2dabaye.Mujhse
Welcome To Care center Khushi k liye1 dabaye.Muskan k liye 2dabaye.Mujhse
dosti k liye 3dabaye.Mujhse peecha chudane k liye apna gala dabaye
dosti k liye 3dabaye.Mujhse peecha chudane k liye apna gala dabaye
Hey Dear Kaha ho Yar Pata Hai Kab Se Wait kar RAha Hoo Jaldi
Hey Dear Kaha ho Yar Pata Hai Kab Se Wait kar RAha Hoo Jaldi Aoo Na Ache
Se Tayar Ho Kar Aana Dekho Hamesha Ki Tarah 1st Prize Tumhein Milna
Chahiye Aaj mera Yar Phir Monkeys Fashion Show Jeete Ga .. :
Se Tayar Ho Kar Aana Dekho Hamesha Ki Tarah 1st Prize Tumhein Milna
Chahiye Aaj mera Yar Phir Monkeys Fashion Show Jeete Ga .. :
