Hi Friends, Thanks for your kind support to our channel. Here presented the much awaited topic 529 tax saving plan. Please like share and subscribe !!! #arthipremvlogs #usatamilvlogs #tamilvlogs
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@ArthiPrem3 жыл бұрын
Hi Friends, Please find the link which I have used for the demo College cost calculation : www.capitalgroup.com/advisor/tools/planning/ext/college-savings-calculator 529 plan Eligible college lookup : www.savingforcollege.com/eligible_institutions/index.php
@InvestmentInsightsTamil3 жыл бұрын
When it comes to tax savings, the following order is what we should follow as it gives the maximum to minimum tax savings: 1. Contribute to 401K upto employers match - 100% return on the money on the spot and also both Federal and State tax advantage. 2. Max out Health Savings Account if eligible - Triple tax advantage - HSA funds are totally tax free when used for medical expenses, making the HSA better than either traditional or Roth IRAs for that purpose. At worst, the HSA behaves much the same as a Traditional IRA after age 65. 3. Max Traditional IRA or Roth IRA (or Backdoor ROTH IRA) based on income level - Both federal and state tax advantage (Either Pre or Post). 4. Max out 401K (19.5k) - Both federal and state tax benefit. 5. Contribute to 529 - Only State Tax benefit on contribution in few states, not federal. But the capital gains from growth are not taxable if used for qualified expenses. Remember, when it comes to tax savings and flexibility, 529 comes after all the other retirement accounts.
@ArthiPrem3 жыл бұрын
Hi vijay As usual thanks for the detailed analysis.. here the discussion is the educational expenses using the tax savings plan Hope 529 would be the first priority in that case
@InvestmentInsightsTamil3 жыл бұрын
@@ArthiPrem Agreed. I was just highlighting that when it comes to tax savings, 529 is at the bottom of the list. It is not financially a good decision to contribute to 529 before maxing out 401K and IRA. But after maxing out 401K and IRA, 529 is the next thing to take advantage of. As always, great video Prem. Not many know or understand about 529. You have laid it down in simple terms.
@TamizhanInAmerica3 жыл бұрын
Good explanation bro. However, I just want to highlight a few things about the fee structure in US universities. You have mentioned the fee for top universities. When the aspiring students hear this, they will be panicked. I’ll breakdown about the fee system. Almost 99.9% of the universities, you pay fee for credits unlike Indian system. For example, if I take 3 subjects in a semester (considering 3 credits per subject, total 9 credits for 3 subjects), I’ll pay for that 3 subjects alone. If I take 2 subjects (we must take minimum 2 subjects for fall, and spring semesters), I’ll pay for only 2 subjects. Let’s consider each credit costs $1100. Therefore, multiply $1100 X 9 credits (for 3 subjects) = $9900/semester. Approximately 7.20 lakhs INR. That’s how we will pay the fees. That said, don’t consider going to top universities. Waste of money. In US, wherever you study, you have to find job by yourself. We have only career fair/job fair. That’s not a campus placement.
@vijayrambhatla99093 жыл бұрын
Keep it up. Thanks for researching and posting such valuable information. One more thing about 529 plan is the ability to transfer the beneficiary
@arunkumaranandhakrishnan3 жыл бұрын
Good video both .. Just a FYI in case if you had not known already .I have heard about the downside of a 529 savings plan where lets say , A student ( lets say Asians) who has good academic merit wanting to apply for scholarship to an instate University will not be able to get the scholarships the student deserves , because the State knows the amount of money accumulated on the 529 savings plan. State may award the scholarship to another student with academic merit who can prove financial hardships.
@ArthiPrem3 жыл бұрын
Bro thanks for bringing this topic I want to clarify the same Merit based scholarships wont affect by the 529 plans But financial aid grants provided by federal or state may affect because they will do the analysis about how much family can contribute and eventually 529 will come to the picture and it will impact the financial aid provided by them But if u are calculating the savings by the plan vs financial aid amount.. hopefully 529 plan would be in the better plan Thanks again for bringing this discussion
@ramakrishnanrajagopalan12413 жыл бұрын
529 tax saving details was superb, nicely explained prem and arthi questioning is really interesting
@ArthiPrem3 жыл бұрын
Thanks🙏
@thameemansari76253 жыл бұрын
You guys are doing great, thanks for your information, this is very much useful to plan for my kids, kudos Nanba 🙏
@suchetaranjanxx15863 жыл бұрын
Good information for the youngsters who wanted to do higher studies there. Even my two grandsons are U.S citizens . Let us see what will be the situation and cost when they grow up. Glad to see both of you. Take care.
@ArthiPrem Жыл бұрын
🙏
@JbtheBoss18923 жыл бұрын
Pls Post a video about Returning to India after working in the US for a few years
@ArthiPrem3 жыл бұрын
Sure 👍👍
@9806163 жыл бұрын
Great video people should know about this plan for college savings
@AtharvaaAdhira3 жыл бұрын
Hi Bro, Thanks for the video!! Keep posting useful videos like this.. Waiting for your video on scholarship
@chiit709 ай бұрын
OMG ,I missed your comment with link Thanks Happy Holiday !
@ArthiPrem9 ай бұрын
Thanks happy holidays 🎉🎉
@shankarkrishnamurthy97493 жыл бұрын
Thanks a lot bro and sis. Very useful info.
@ArthiPrem3 жыл бұрын
Thanks bro 😊
@vidyagopalan36952 жыл бұрын
Thanks For your kind reply. Keep going 👍👍👍
@ArthiPrem2 жыл бұрын
🙏🙏
@Ganesh-zg8cs3 жыл бұрын
I'm a middle class student i can't afford ₹ 2 crore for my degree🎓 because it's more than our family wealth How can i study in USA by scholarship please tell me
@InvestmentInsightsTamil3 жыл бұрын
Do well in your undergrad and get good GPA. Write GRE and get good score. Apply to universities in USA for Masters that fit your GPA and GRE score. If you have a good GPA and GRE score, you can get scholarships. BTW, I was a middle class student and I did the above to get here. Good Luck!
@hariharan063 жыл бұрын
Thanks Prem. one correction. out of country students from India pay international fee. NOT out of state tuition fee.
@maga77663 жыл бұрын
Very useful video 👍 Keep rocking. Take care
@SuperShanmugarajan3 жыл бұрын
Hi Prem bro., I'm a Post-doctoral fellow at Harvard Medical School. A huge fan of your videos and always one of the first viewers . Keep rocking :)
@ArthiPrem3 жыл бұрын
Hi bro Nice to meet you bro harvard medical school wowww 👏👏 Thanks for your comments bro 👍👍
@SuperShanmugarajan3 жыл бұрын
@@ArthiPrem Thank you! Hope to stay in touch. Anytime you plan a trip to Boston, my wife, kid and I will take care of you guys :) This is my email id shanmugarajan1987@gmail.com.
@ArthiPrem3 жыл бұрын
Thanks bro🙏sure👍
@varadharajansrinivasan3103 жыл бұрын
Hi ! Dr. Shanmuga Rajan : Yes ArthiPrem couple have been doing a great job ! Appreciate their dedication and effort even during Arthi’s advanced stage of Pregnancy ! All the more excellent has been your gesture to them ! Appreciate !!! This is how relationships should be built and endured !!! All the very Best to all of you !!!
@SuperShanmugarajan3 жыл бұрын
@@varadharajansrinivasan310 Thank you so much for your kind words :) You are absolutely right about ArthiPrem. I appreciate you taking time to convey your wishes to us. Best wishes to you too :)
@purushothamansrinivasan29663 жыл бұрын
Nice 👍🏻 and well explained. Maybe I need to think about it to contribute towards this plan. I do have two kids and they are US citizens.
@reemsafith51783 жыл бұрын
Scholarships and financial aid in US universities video podunga bro pls
@ArthiPrem3 жыл бұрын
Sure 👍👍
@prashanth15153 жыл бұрын
I like your no nonsense stick to facts approach.. pls continue the good work of information sharing. God bless.
@kalyanmanimaran81393 жыл бұрын
Thanks for an excellent information Please share the information about the PG Admission and the advisable university for the STEM course
@RM525433 жыл бұрын
Several scholarships are available for colleges- mainly need based on economic status in all colleges. I have put 2 of my children at Harvard university. At Harvard, it is tuition free for a family with $60000 yearly income.
@ArthiPrem3 жыл бұрын
Thanks for the inputs ... it would be helpful for the people
@sudarvizhidurairaj32603 жыл бұрын
Are scholarships applicable for non us citizens as well
@muralie97833 жыл бұрын
Super information.. Thanks for not adding Trolls
@johnsathish95673 жыл бұрын
Can we change Beneficiaries from 1st child to 2nd child. Also if none used the amount can we withdraw the amount in future?
@akilamurugaiah44253 жыл бұрын
Very useful information... bro. Thanks for sharing your knowledge.
@ArthiPrem3 жыл бұрын
Thanks sister :)
@gokuls30003 жыл бұрын
Really good video, could you please prepare video about scholarships and educational loans.
@madhuanbalagan95383 жыл бұрын
Nice explanation, appreciate the effort👌
@amjathmg81923 жыл бұрын
Great info exactly what I was looking for my son. You guys rock with all the essential info we need to live in USA. Keep doing more videos like this. Stay blessed.
@vinothbv51353 жыл бұрын
PA gives 529 tax benefits irrespective of any state plan. And DE doesn’t give any tax benefits even for DE state plans. Just want to share info !!!
@ArthiPrem3 жыл бұрын
Thanks for sharing... good to know
@gayathriram27373 жыл бұрын
There are some other plans available, which won't affect the college free aid as well as avoid the market risk with good returns
@ArthiPrem3 жыл бұрын
Thanks for the comments sister Please share the details, so it would be useful for everyone
@backia22293 жыл бұрын
Spr explain na ..keep rocking
@venkateshboominathan45253 жыл бұрын
Hi Prem bro thanks for sharing this information it’s very useful. I have clarification what’s the difference between education plan 529 vs IRA savings Can we use IRA account savings for education? Plz clarify thx.
@ArthiPrem3 жыл бұрын
Hi bro We can use IRA amount for qualifies education expenses but you have to pay income tax for traditional IRA entire amount withdrawal or ROTH IRA earnings withdrawal Whereas 529 doesn’t require to pay any income tax for the earnings which is the big money So the 529 is the best plan for education
@venkateshboominathan45253 жыл бұрын
@@ArthiPrem thx bro
@InvestmentInsightsTamil3 жыл бұрын
@@ArthiPrem Your conclusion 529 is the best plan for education is not exactly right. 1. ROTH IRA withdrawal - contributed money can be withdrawn with no penalty or tax. It can be used for any purpose. So lets say that if I have contributed 6K every year in ROTH IRA for 10 yrs, I can withdraw 60K from ROTH IRA after 10 yrs without any penalty or tax. 2. Traditional IRA or Rollover IRA - It is tax deferred when we contribute the money - both on federal and state. Most of us will not qualify for Trad IRA contribution because of income limit. But if we withdraw money from Rollover IRA, lets say 60K as qualified expenses for education, there is no penalty as you mentioned. But we do have to pay tax on the withdrawal, which you have mentioned as well. But because we did not pay the tax for the money that went in, this will come out ahead of 529. A 22% tax bracket person would have saved $13,200 just from the tax for 60K. Also this extra $13,200 is earning money as well when it is invested. Both this make a big difference and makes it better than a 529. Also, the money from IRA has no other restriction after retirement like the ones in 529 (Can be used only for qualified educational purposes). If a person has maxed out their 401K and IRA, then yeah 529 comes next to take advantage of. Other than that, great video Arthi Prem. Keep going. 👍🏽
@nirmalashanmugamani31403 жыл бұрын
Hi thanks for the video. Actually I have some more questions. Could you please help me! How to find out 529 eligible colleges inside america? I read that if student is using 529 plan amount they are not eligible for college scholarships..is it true?
@InvestmentInsightsTamil3 жыл бұрын
Almost all colleges qualify for 529 inside America. That does not have to be a concern at all. College scholarships can be merit based or need-based. Merit based scholarships are not affected by 529 at all as it does not take parents income/assets into account. But need based scholarships will account for parents income and assets. 529 does come under parents assets. So it does have an impact on need based scholarships. But the impact is minimal though. This should not be a reason for not saving in 529 plan. www.thebalance.com/how-529s-affect-scholarships-and-vice-versa-4153510
@nirmalashanmugamani31403 жыл бұрын
@@InvestmentInsightsTamil Thanks for your reply, it is very helpful.
@Lavanyarama9713 жыл бұрын
Excellent.. lots of good information..
@ismathalthaf25933 жыл бұрын
You are helpful couple 😍😍😍so sweet both of you 😍😍😍
@SangeeG3 жыл бұрын
Thanks for the info bro
@manikannan28823 жыл бұрын
Can you explain about FBAR and FATCA?
@senthilnathanssn3 жыл бұрын
Superb guys.. keep rocking
@ramya6999 Жыл бұрын
Brother , the amount saved in 529 will be considered as an asset of the student ? Will it impact scholarships?? Do you already have any video abt different ways to get scholarships??
@nelascooking58713 жыл бұрын
Great bro and sis keep going 🤝
@saran19363 жыл бұрын
Apart from 529 tax savings plan is there any private companies offering educational policies ? Like In india we have lot of private insurance companies providing educational policies.
@shanmugamdhanakodi54583 жыл бұрын
Good information, can share the link which you used to check the tution fees
@Meyyascuts2 жыл бұрын
Let’s say if you are in H1 or L1 and you kid is still consider as out of state ?
@vijayank9233 жыл бұрын
Hello Arthi Prem , Thanks for your Video. As you said we can use 529 saving plan amount in any country for higher studies . Just want to know we can use in our country(India) college.
@ArthiPrem3 жыл бұрын
You can search with the link which we have pinned in the comments section I tried to see some of our Indian colleges but no luck 🙁
@pushpachidhambaran88613 жыл бұрын
Hi Dear... How re yu 😍 Gud Info Sis, It will be helpful for those who wanna study in US...
@ArthiPrem3 жыл бұрын
Yes i am good sister Hope u are also good Thanks
@meenashi3 жыл бұрын
I got to know if we have 529 plan savings , your grants will be reduced as you have enough money for your kids by yourself, is it true ??
@cherishlife40563 жыл бұрын
Very useful info Prem & Arthi. Can you also post college admission process for Kids here. Thanks 🙏
@ArthiPrem3 жыл бұрын
Sure sister thanks
@venkat7489 Жыл бұрын
Bro,my wife is currently in h4 and wants to convert to f1 for doing her masters. Whether I can leverage tax benefits against the fees.
@oxy-gen68943 жыл бұрын
Very useful info buddy..
@vijaybaburamasamy27283 жыл бұрын
Is the money can be used for educational purposes in India?. Does the beneficiary can be modified on a timely basis?
@ArthiPrem3 жыл бұрын
Hi bro, we just given the link to check the eligible outside usa institutions, unfortunately i tried some Indian universities and those are not eligible but u can give a try Yes u can change beneficiary at any time and u can use for ur own educational purposes
@chiit709 ай бұрын
Hi Prem, Thanks for the vedio , can you please share the website to check the college fees , you used in your vedio
@Classicsoul15102 жыл бұрын
Thanks for the video guys. Question : What if the state I reside doesn't have state tax? Will I get tax benefits if I apply in out of state plans? or will there is be no "Tax Savings" of us? It would be great if you could post a video on how to invest 529 savings for 1st time investors like me. Thanks again
@anandprithiv43543 жыл бұрын
Very good info Bro , I am in Cincinnati, very useful.👍
@ArthiPrem3 жыл бұрын
Thanks bro Namba state thaan neengalum 🙌🙌🙌
@anandprithiv43543 жыл бұрын
@@ArthiPrem yes Nanba , good luck for both of you. We will soon chat over the phone.
@nvselva3 жыл бұрын
If you have 529 in Ohio can you use that money for colleges in other states? If yes, then do u have to pay tax or penalty or out of state fee or something of that sort ?
@ArthiPrem3 жыл бұрын
You can use it for any states and u dont want to pay taxes or penalties for it while using for educational expenses
@amjathmg81923 жыл бұрын
If we take a 529 plan from Ohio State, but my son gets to study in a out of state college. In this case, do we need to pay any state penalty or any other penalty?
@ArthiPrem3 жыл бұрын
No penalty, you can use it in anywhere 🙌🙌
@kanimozhimurugesan9663 жыл бұрын
Very useful thank you
@sudarvizhidurairaj32603 жыл бұрын
All these scholarships and plans applicable for non us citizens as well
@ArthiPrem3 жыл бұрын
529 plan can use by H4 /F1 students
@pallava3763 жыл бұрын
Do you have idea on how to choose Portfolio percentages. What is your suggestion on that?
@gayathriram27373 жыл бұрын
Hello Arthi Prem, I am a financial Planner. My kids already finished college last year. 529 Plan is a good plan, but you should know the pros and cons of the Plan. 529 plan will impact the free aid (Need based free aid) from the school. If you go through the FAFSA form you will know it and one more thing the 529 may have market risk
@ArthiPrem3 жыл бұрын
Thanks sister... we will go through the FAFSA 👍👍
@srinivasanrajamani27253 жыл бұрын
Thanks for the video.It is very useful.Can you share the websites where you showed about the fee structures and what are all universities etc.
@srinivasanrajamani27253 жыл бұрын
I mean to say all the websites.especially 14:13 min of video
@srinivasanrajamani27253 жыл бұрын
Sorry 4:58 min video
@ArthiPrem3 жыл бұрын
@@srinivasanrajamani2725 Sorry bro.. I should mention it College cost calculation : www.capitalgroup.com/advisor/tools/planning/ext/college-savings-calculator 529 plan Eligible college lookup : www.savingforcollege.com/eligible_institutions/index.php
@roopapriya71593 жыл бұрын
Hi bro, am in oscillation of opening custodial roth or 529.. if my kids don't go to college , how do I take my money out?.
@ArthiPrem3 жыл бұрын
Hi sister Please go through all the benefits before selects one if possible check with financial advisor Both are having own advantages and disadvantages Also we should be think about federal financial aid and scholarships while selecting 529 plans We will upload one more video for that
@roopapriya71593 жыл бұрын
@@ArthiPrem thank you..you both doing such a wonderful job for our community..God bless you both.
@vidyagopalan36952 жыл бұрын
Hi I am following your vlogs for quite some time. Very informative. One query We were in us long ago. My son born there,we came back to India. He is competing 12th next year. He want to do his BS in USA. What kind of fees structure he will pay.
@ArthiPrem2 жыл бұрын
Hi Thank you All the best for your son You can expect the fee for $20k to $40k per year and it depends on the course and college plus you need to consider the accommodations also and the living expenses vary as per the city where college is located So need to calculate all the aspects and you can try sponsors , we have uploaded the related video in the link kzbin.info/www/bejne/sICrd4CNqMSMgdE
@vijayarengan1433 жыл бұрын
நல்ல info bro. கலக்குறீங்க.
@shafiamahdi34933 жыл бұрын
Thanks a lot for the info. Its Amazing. I have few questions. Do we have any Indian institutions ?. Also, what if i change my job from OH to NJ ?. How does it work then ?
@ArthiPrem3 жыл бұрын
Hi sister You have 3 options - After moved to a new state you can contribute to the old state 529 plan but you may loss state tax benefits for contribution - You can open new 529 plan in the state and roll over the existing 529 plan amount into the new one - You can keep the existing one as it is and open the new 529 plan in the new state , you can maintain multiple 529 plans
@SappaduReady3 жыл бұрын
Thanks
@nikhilrajkumar99522 жыл бұрын
Hi arthi middle class usa la medicine padikalama settle aggalama
@americantamilfamily99353 жыл бұрын
Finacial aid scholarships detail sa pootunga anna
@CRPrabakar3 жыл бұрын
Hi Prem Is it possible for you to share list of websites you are referring in this video especially time 2.48
@ArthiPrem3 жыл бұрын
Sorry bro.. I should mention it College cost calculation : www.capitalgroup.com/advisor/tools/planning/ext/college-savings-calculator 529 plan Eligible college lookup : www.savingforcollege.com/eligible_institutions/index.php
@arputhamsam3 жыл бұрын
Prem, how about investing in certificates of deposit (CD) savings plans instead of 529, any pros/cons?
@ArthiPrem3 жыл бұрын
529 plans for educational expenses and its having lot of advantages than Certificates of deposit We can use CD for own investment purposes
@SundarKothandaraman3 жыл бұрын
CD accounts you have to pay taxes for your gains
@kartick40873 жыл бұрын
Prem ji, what's the benefits for indian parents those who in India interested in there children's masters or UG study in US in future in 529 Tax savings plan?
@ezhilarasikrishnasamy78553 жыл бұрын
Can we change the beneficiary name after few years?
@ArthiPrem3 жыл бұрын
Yes you can change at any time There is no limitation and u can use it for your own educational expenses too 👍👍
@cjprabhakar3 жыл бұрын
Many ppl watching the videos and no one is willing to give like 🤔
@cjprabhakar3 жыл бұрын
Good job prem!
@ArthiPrem3 жыл бұрын
Thank u bro Actually people are giving likes😊😊
@maheswarisanjeevan80633 жыл бұрын
Hai prem,is private universities eligible for H1B advanced degree quota.
@ArthiPrem3 жыл бұрын
Good question sister H1B advanced degree quota only for usa based public or non profit institutions Private university graduates are not eligible
@maheswarisanjeevan80633 жыл бұрын
@@ArthiPrem Thankyou prem,take care.
@InvestmentInsightsTamil3 жыл бұрын
Just to be clear, there are many private universities that are non-proft and they are all eligible. Eg: Harvard University, Johns Hopkins University etc.
@subramaniana77613 жыл бұрын
Good information
@radhikakannan21473 жыл бұрын
Indha chinna vayasula u people r doing great service.👏👏👌🏻👌🏻
@ArthiPrem3 жыл бұрын
Thank u sister 😊
@vinothbv51353 жыл бұрын
Prem , recent changes, can use it for schools (private)
@ArthiPrem3 жыл бұрын
Yes we can use 10,000 per year for the schools ..
@arvindchandrasekaran82783 жыл бұрын
Did Master’s answer later completed data science certificate from UC Berkeley ☺️☺️
@ArthiPrem3 жыл бұрын
Wow berkeley university super bro One of the world’s best university 🙌🙌
@thimpu093 жыл бұрын
how is the course workload, tutor & projects quality and job prospects since this is an online course.
@arvindchandrasekaran82783 жыл бұрын
@@thimpu09 We had to put in a lot of hard work but manageable not that much difficult even UC Berkeley course load was very easy
@thimpu093 жыл бұрын
@@arvindchandrasekaran8278 Thanks for the quick reply, how are the job opportunities after the certification
@arvindchandrasekaran82783 жыл бұрын
@@thimpu09 Getting consultancy jobs on contract but not direct opportunities, but I’m looking only for direct recruitments , can’t again sit with a consultancy for life long ☺️☺️
@dgomathi3 жыл бұрын
@Arthiprem any h1b travel ban news?
@durairajmadan50593 жыл бұрын
Fine
@Futureisbright1233 жыл бұрын
Very good video!
@vinothbv51353 жыл бұрын
Excellent video , can you share the link for college cost calculation. ?
@ArthiPrem3 жыл бұрын
Sorry bro, please find the link College cost calculation : www.capitalgroup.com/advisor/tools/planning/ext/college-savings-calculator 529 plan Eligible college lookup : www.savingforcollege.com/eligible_institutions/index.php
@Ruby-cloudy3 жыл бұрын
Masters ku NRI students yavaladu pay pannanum solluga bro
@eswaranthanabslan26073 жыл бұрын
Good info
@banumathitamilselvan53713 жыл бұрын
Can I use 529K plan for private school
@InvestmentInsightsTamil3 жыл бұрын
Yes you can if it is non-profit.
@SMSM-gd5dt3 жыл бұрын
Useful video
@diwakarg83233 жыл бұрын
Bro antha website link thaga
@ArthiPrem3 жыл бұрын
Hi bro Which website link bro.. showed many websites can you please mention the timeframe from the video
@diwakarg83233 жыл бұрын
@@ArthiPrem antha college fees bro
@elangesk3 жыл бұрын
Nice info about 529 tax savings tips.. Appreciated Prem and Arthi sister. 💐💐🙏🙏
@ArthiPrem3 жыл бұрын
Thanks bro🙏
@elangesk3 жыл бұрын
@@ArthiPrem சிறப்பு bro
@diyar97553 жыл бұрын
Hi bro nenga personal a have u applied i529 for daughter ????
@ArthiPrem3 жыл бұрын
Hi sister Not yet.. i have started analysis for my daughter and got this knowledge so thought of sharing with our community
@diyar97553 жыл бұрын
@@ArthiPrem thanks for the reply bro ! Wishing u all the best keep sharing ! Convey my wishes to Arthi ! Take care stay blessed
@jeyakumarochathevar93922 жыл бұрын
Thala unga dance semma.........
@ArthiPrem5 ай бұрын
🙏🙏🙏
@rohitazhagappan30343 жыл бұрын
M S KU EVLO AGUM SIR
@sankaranarayananramaswami93743 жыл бұрын
Mr Prem I generally see your posts Everything is well explained I got green card last year and I am now in Boston with my daughter I have some doubts Can I contact you through your email