| Author | Message | ||
Nepatriot Junior Artist Username: Nepatriot Post Number: 834 Registered: 11-2013 Posted From: 147.85.172.6 Rating: N/A |
Third try  State ---------------------------------------------------------- Contributions --> Tax-free upto certain limit(e.g.$5000 for NY) Returns --------> Tax-Free Federal --------------------------- Contributions --> Taxed Returns --------> Tax-Free Jai JanaSena | ||
Nepatriot Junior Artist Username: Nepatriot Post Number: 832 Registered: 11-2013 Posted From: 147.62.110.6 Rating: N/A |
<html> <head> <style> table, th, td { border: 1px solid black; border-collapse: collapse; } </style> </head> <body> <table> <tr> <td></td> <td>State</td> <td>Federal</td> </tr> <tr> <td>Contributions</td> <td>Tax-free upto certain limit(e.g.$5000 for NY)</td> <td>Taxed</td> </tr> <tr> <td>Returns</td> <td>Tax-Free</td> <td>Tax-Free</td> </tr> </table> </body> </html> Jai JanaSena | ||
Nepatriot Junior Artist Username: Nepatriot Post Number: 831 Registered: 11-2013 Posted From: 147.85.172.6 Rating: N/A |
State plan theesukonavasarla AFAI understood.. Here's the breakdown State Federal ------------------------------------------------------------ ----------------- Contributions Tax-free upto certain limit(e.g.$5000 for NY) Taxed Returns Tax-Free Tax-Free You can choose any state plan , all you loose is the tax deduction on contributions.. If the state sponsored fund in a 529 plan pays less than 5-6% returns, I dont mind paying STATE tax on the contributions and investing in Vanguard or 529 plan of another state which has better return..choose a plan that performed well over a 10yr period or longer(some results are skewed due to 2007-08 meltdown i.e. every index is performing better for the 10yr period so choose longer periods when possible to check performance) Vangaurd funds are sponsored by NEVADA and anyone can invest.. most of its funds are considered safe and some equity funds have good returns (8-9%) 529 to me is looking very similar to Roth 401k/IRA, with only difference that you need yo use money for education This is what I understood/know.. please add/correct Jai JanaSena | ||
Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 7582 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
http://www.savingforcollege.com/articles/when-should-you-swi tch-529-plans | ||
Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 7581 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
enduku adigindo telvad dora...here is the matter from the article... Here are the Gold-rated plans for 2014 (no particular order): T. Rowe Price College Savings Plan, Alaska Maryland College Investment Plan Vanguard 529 College Savings Plan, Nevada Utah Educational Savings Plan Here are the consistently top-rated plans from 2010-2014. This means they were rated either Gold or Silver (or equivalent) for every year the rankings were done from 2010 through 2014. T. Rowe Price College Savings Plan, Alaska Maryland College Investment Plan Vanguard 529 College Savings Plan, Nevada CollegeAdvantage 529 Savings Plan, Ohio CollegeAmerica Plan, Virginia (Advisor-sold) | ||
Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 7580 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
Thinking about this...I think it is possible..I have a New Mexico plan that I am trying to bring to VA..will let you know if it is possible. | ||
Sony Megastar Username: Sony Post Number: 21289 Registered: 12-2006 Posted From: 71.192.40.235 Rating: N/A |
atla ayite Vanguard Nevada sye ante sye aaa | ||
Vasu Side Hero Username: Vasu Post Number: 8058 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
uncle asking for a user id pwd Do you see any for NJ? Double Standard By TT lu : http://s23.postimg.org/4gdd050q3/doublestd.jpg | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30874 Registered: 02-2009 Rating: N/A |
sony VA tho start chesthunna this week to support virginia  additional research naa walla kaadhu ingaa utah, nv best ani chaala chotla vinna i think you can rollover to new 529 plan every few yrs or so ...DC unkl confirm plz? | ||
Sony Megastar Username: Sony Post Number: 21283 Registered: 12-2006 Posted From: 71.192.40.235 Rating: N/A |
already CT plans waste ani decide chesi drop ayyanu annai, | ||
Tombrady Legend Username: Tombrady Post Number: 37547 Registered: 05-2012 Posted From: 216.163.216.61 Rating: N/A |
alaska,utah,maryland,nevada state plans top ani google cheppindhi | ||
Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 7578 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
indulo mee state untay, kallu moosukuni teesuko... http://www.mymoneyblog.com/morningstar-top-529-college-savin gs-plan-rankings-2014.html | ||
Sony Megastar Username: Sony Post Number: 21276 Registered: 12-2006 Posted From: 71.192.40.235 Rating: N/A |
H_D uncle, full gaa research chesi ye state plan/funding teesukovala cheppu ninnu follow ayipotha | ||
Rgb Comedian Username: Rgb Post Number: 1538 Registered: 06-2014 Posted From: 96.234.43.54 Rating: N/A |
Nope. Also ass deduction is too small anyway and two earners ki mostly phased out College Tuition The situation changes significantly if your children are attending college. You can deduct qualified education expenses -- including tuition -- for your dependents' higher education costs, up to $4,000. You can take this deduction even if you don't itemize deductions on Schedule A. If you're married, you must file a joint return to qualify. According to the IRS, this deduction is most beneficial for those families who don't qualify for the American Opportunity Credit or Lifetime Learning Credit. Unfortunately, like other educational tax benefits, this deduction also phases out at higher incomes, and if your modified adjusted gross income is more than $160,000, you're not eligible at all. | ||
Boglehead Junior Artist Username: Boglehead Post Number: 44 Registered: 06-2014 Posted From: 174.59.126.97 Rating: N/A |
2 reasons to put money in 529s... 1. State tax deduction on contributions, if your state offers it. There are a couple of states that allow deduction even if you use 529 offered by a state other than your resident state. 2. No capital gains tax on the returns One can open any number of 529s. If not used, it can be used for some other kid's education. If not, you can take it paying tax on the returns and 10% penalty on the balance. | ||
Amigo Side Hero Username: Amigo Post Number: 3399 Registered: 05-2011 Posted From: 69.125.94.8 Rating: N/A |
Like Netpatriot is asking , if we pay 35K for school tuition , can we further deduct this from annual income for income tax purposes? | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30873 Registered: 02-2009 Rating: N/A |
nope...if the fund/plan is in your name , it is counted as 5 % or something of total college expenses as parent's available assets for expenses if it is in students name, it is counted as 20% of asset value available for expenses...so parent name lo untay always better | ||
Thokkalohdi Side Hero Username: Thokkalohdi Post Number: 7479 Registered: 01-2008 Posted From: 166.137.246.63 Rating: N/A |
Annailu.. if you have a college fund.. then that student is ineligible receive any scholarships ani vinnanu... is that true??? still u want to have a college fund? Ranbir Kapoor is god of acting | ||
Triggerblaster Side Hero Username: Triggerblaster Post Number: 3952 Registered: 03-2008 Posted From: 192.76.82.90 Rating: N/A |
Rendu scemes anukunna babai, meaning telusu kaani context lo fit avvaledani question adiganu.  "Chedda vallani support chese vallu chedda valla kante mundu M gudustaaru", Idi sapam kaadu brahma vakku | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30871 Registered: 02-2009 Rating: N/A |
As a CCDB mod, I am banning you for a week for not knowing RE= real estate "In my opinion, makes sense" ani naa aathmaRam speaking | ||
Triggerblaster Side Hero Username: Triggerblaster Post Number: 3951 Registered: 03-2008 Posted From: 192.76.82.90 Rating: N/A |
Thanks so much HD babai
What is this?
What is this? "Chedda vallani support chese vallu chedda valla kante mundu M gudustaaru", Idi sapam kaadu brahma vakku | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30870 Registered: 02-2009 Rating: N/A |
yes, say you invest 50k over 10 years they are invested in a mix of stocks, bonds etc...similar to a mutual fund your total after 10 years is for example ...85k , 50k plus 35k gains from investments 35k is tax free if it is withdrawn to pay for eligible education expenses except two states, every other state in vomercia including DC offer 529 plan more than 90% of the time lo you can be resident of state A, open 529 in state B and send kid to college in kid C ani sadhivaan http://www.savingforcollege.com/529_plan_details/index.php?p age=plan_details&plan_id=74 again this is not blockbuster scheme compared to RE, stocks types of investments conservative approach...IMO makes sense to pull a bigger chunk of college expenses from this rather than manage everything on the outside | ||
Triggerblaster Side Hero Username: Triggerblaster Post Number: 3950 Registered: 03-2008 Posted From: 192.76.82.90 Rating: N/A |
Guys, Confused Tax benefits untaya undava?( Like 401K) If No ikkadajanalu yendu exite itunnaru> if yes TX lo untaya? If Ye ye other states lo unnayi as a texas resident neneu apply chetocha? Mottam details singe post lo yesi punyam kattukodi  "Chedda vallani support chese vallu chedda valla kante mundu M gudustaaru", Idi sapam kaadu brahma vakku | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30869 Registered: 02-2009 Rating: N/A |
We have a winner! Congratulations to ticket #1845! You are our 2015 College Tuition Raffle winner and will receive an eight semester Tier I Virginia529 prepaid tuition contract! please email saint.ccdb yat yahoo.com to collect your earnings | ||
Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 7576 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
ivvaala richmond lo childrens museum vaallu 8 semesters va529 fee lottery vesthiri...i buy two tickets, kaani naa leggu, maamoolu leggu kaadu..  | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30868 Registered: 02-2009 Rating: N/A |
guptaaaaaa ....#$%^&*(*&^% DC student loan anu bhaya pedathaam andi...first job vachaaka clear sethaam kadha deep inside desi u know | ||
Sony Megastar Username: Sony Post Number: 21268 Registered: 12-2006 Posted From: 170.48.19.249 Rating: N/A |
rechipooooo, ochina loan lo 10% ACH cheyi | ||
Sony Megastar Username: Sony Post Number: 21267 Registered: 12-2006 Posted From: 170.48.19.251 Rating: N/A |
grad, own first cousin ki carnegie mellon lo junior/senior and masters ki scholarship ochindi, maa babai had to pay for freshman/sophomore year grad schools lo freshman ke scholarship ante, as H_D uncle said they have to be in sports field | ||
Kukatpally Hero Username: Kukatpally Post Number: 16235 Registered: 07-2014 Posted From: 57.69.14.65 Rating: N/A |
uncle mee encouragement tho loan sampadicha.. thanks ye | ||
Alochinchu Comedian Username: Alochinchu Post Number: 1192 Registered: 03-2008 Posted From: 65.51.27.62 Rating: N/A |
for undergrad? | ||
Kukatpally Hero Username: Kukatpally Post Number: 16233 Registered: 07-2014 Posted From: 57.69.14.65 Rating: N/A |
uncle seminchandi... meeku college ki yelle pillal vunnar anukoledu... casual ga annai anesan last time... ee sari legs meeda padi blessing tesukunta | ||
Sony Megastar Username: Sony Post Number: 21266 Registered: 12-2006 Posted From: 170.48.19.252 Rating: N/A |
endi 25k ayyindaa in state, nenu ochina kothallo ofcourse naaku 100% waiver undindi, in state fee was 6K ante 15 years lo 25K will become 60K? | ||
Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 7572 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
I am sure there are other ways of teaching responsibility, like, make them work part time once they hit 16 towards their first car payments, make them work and earn their monthly expenses while in college, etc...student loans are the worst kind of burden we can give to kids in my opinion. | ||
Jalsa Legend Username: Jalsa Post Number: 31958 Registered: 02-2008 Posted From: 159.53.78.141 Rating: N/A |
naa colleague kooda idhey antuntadu...teach them responsibility and lookout for yourself ani. Only when the tide goes out do you discover who's been swimming naked - Warren Buffett | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30867 Registered: 02-2009 Rating: N/A |
25k is for in-state resident, state univ TT bro or someone else seppinattu some portion should be student loan to teach responsibility ..of coz desi parents incl. my wife resist this idea even when I say ...I myself am the best example of being irresponsible since higher education was parents sponsored | ||
Nepatriot Junior Artist Username: Nepatriot Post Number: 830 Registered: 11-2013 Posted From: 147.85.186.6 Rating: N/A |
Thought 529 plans offered limited choices .. just realized thats not correct.. Vanguard is offering very good funds.. some of which are averaging 9% over 10yr (s&p index).. this + no tax on earnings is great combo... state tax benfit for contributions doesn't look like a big deal.. for instance NY has a $5000 limit for deduction.. so even if state tax is 7%, max you save in tax on contribution by investing in state plan is $350.. Jai JanaSena | ||
Sony Megastar Username: Sony Post Number: 21265 Registered: 12-2006 Posted From: 170.48.19.251 Rating: N/A |
racquet ichanu annai, he is playing gold with tennis racquet. HC ye better ani chebite, ledu i will hit antunadu | ||
Jalsa Legend Username: Jalsa Post Number: 31955 Registered: 02-2008 Posted From: 159.53.174.141 Rating: N/A |
adhi state colleges ki anukunta...other colleges ki 40k ata...monna maa nurse cheptey shock ayyaa....idharu kids okatey saari veltharu college ki...deenamma mind block Only when the tide goes out do you discover who's been swimming naked - Warren Buffett | ||
Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 7569 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
extra vastadi ani gaurantee eti rao gaaru? | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30866 Registered: 02-2009 Rating: N/A |
sony for now , maa state plan kee OM raasthunaa...too much research leads to nothing ani get annai kindha seppad anyways RW kee 25 mill kavaali anta...nuvvu bhee attnay baseball + QB profile set cheyyi mee vaaniki i will make mine a kyle shanny ...hehehe...no playing | ||
Rajusk Legend Username: Rajusk Post Number: 38248 Registered: 02-2008 Posted From: 170.74.55.83 Rating: N/A |
aa oopudu ekkuva ..kottudu thakkuva game etla nachindi mee vodiki.. mana skill/body ki thaggattu oka racquet chethilo ettu.. | ||
Nepatriot Junior Artist Username: Nepatriot Post Number: 829 Registered: 11-2013 Posted From: 147.85.186.6 Rating: N/A |
yeah.. there is a limit on how much you can deduct for education..but another point is the extra money you get in returns with a non-529 plan could offset the tax you have to pay.. Jai JanaSena | ||
Sony Megastar Username: Sony Post Number: 21262 Registered: 12-2006 Posted From: 170.48.19.251 Rating: N/A |
prastutam aadiki baseball adtanu, math cheyanu ani seppindu  | ||
Sony Megastar Username: Sony Post Number: 21261 Registered: 12-2006 Posted From: 170.48.19.250 Rating: N/A |
yaaa yaa i like this yaa, tapi tapi mani plan peru cheppu annai....I will enroll also monthly contribute cheyala, leka mana veelu koddi chesukovachaa | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30865 Registered: 02-2009 Rating: N/A |
MF gains are taxable right? | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30864 Registered: 02-2009 Rating: N/A |
are you sure ? if X is making "130k" per year, he can write off educations expenses of 40k per year? income limits? | ||
Nepatriot Junior Artist Username: Nepatriot Post Number: 828 Registered: 11-2013 Posted From: 147.85.186.6 Rating: N/A |
But education expenses are anyhow tax-free right? lets say you invest 10k in 529 and you make 40k in 15 years and pay 40k for college vs invest 10k in any Vanguard / s&p fund.. make 60k and pay 60k for college.. both are same kadha as far as tax-free..am I missing anything? Jai JanaSena | ||
Getafix Hero Username: Getafix Post Number: 19926 Registered: 02-2008 Posted From: 12.107.204.1 Rating: N/A |
nenu kuda start maadali.. bright horizons ani maa IL plan undhi blind ga start chesdam anukuntunna.. lekapothe too much research and no action ayyettundhi. | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30863 Registered: 02-2009 Rating: N/A |
yea expected sony unkl mee vaadnee yettagooo math whiz sesthaav aa paisal tho retirement lo bengals vee oka decade worth season tickets koni padeyy for CCDB | ||
Rgb Comedian Username: Rgb Post Number: 1536 Registered: 06-2014 Posted From: 162.115.236.102 Rating: N/A |
Scholarship vasthe no penalty but you have to pay taxes on the earnings The third option is to withdraw the extra funds. The earnings in your account will be subject to income tax either on your return or your child’s. Normally, there would be a a 10% additional federal tax on the earnings portion as well, which is penalty for taking a nonqualified withdrawal, but the penalty is waived when scholarships are the reason for it. | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30862 Registered: 02-2009 Rating: N/A |
yes, last 2 yrs of high school vachay time kee prepaid lanti options chudacho to cover gap...mana desi black money will be there for many if not all Dbers
righ now VA lo per account total contribution can be uptp 350k | ||
Rgb Comedian Username: Rgb Post Number: 1535 Registered: 06-2014 Posted From: 162.115.236.102 Rating: N/A |
No deduction in NJ so basically after tax contribution. You can pay for any state and it can be used for other kids as well. (also parents, uncles, aunts, first cousins, children of beneficiary - basically directly related). As Hero pointed out the benefit is mainly the earnings are not taxed | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30861 Registered: 02-2009 Rating: N/A |
the avg contribution if around 65% of total college cost ...and ppl pull in rest via grants, loans, other means ani sadhivaaa 100% ippati nunday cover cheyyali antay 15 years lo 183k cheyyali to cover a college which is 25k per year now also read that if kid( beneficiary) gets full scholarship you can withdraw funds money without 10% penalty. or you can roll that account onto another beneficiary - another child, grand child , nephew, even yourself | ||
Vasu Side Hero Username: Vasu Post Number: 8012 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
doubt padaku anai whatever you contribute will not be sufficient for college fees. Anduke tax gain kosam 529 contributions ki limit set cheseru. Even in surplus scenario you will end up losing the money anthe Double Standard By TT lu : http://s23.postimg.org/4gdd050q3/doublestd.jpg | ||
Vasu Side Hero Username: Vasu Post Number: 8011 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
you won't get all the benefits ani vinnanu. Anyway thanks for the thread long time due from my side I've been postponing it. Ippude CPA tho oka appointment set chesa will gather more details from him Double Standard By TT lu : http://s23.postimg.org/4gdd050q3/doublestd.jpg | ||
Sony Megastar Username: Sony Post Number: 21259 Registered: 12-2006 Posted From: 170.48.19.245 Rating: N/A |
naadi o doubt lets say in next 15 years we contribute 100K, college education 80K ayyite, migita 20K sangathi enti | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30860 Registered: 02-2009 Rating: N/A |
yes long term lo save awuthaayi if used for eligible expenses whereas almost everywhere else you end up paying tax (Message edited by humpty_dumpty on June 30, 2015) | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30859 Registered: 02-2009 Rating: N/A |
http://www.savingforcollege.com/529_plan_details/index.php?p age=plan_details&plan_id=92 past performance can always be treated as writing on water anukooo http://www.savingforcollege.com/articles/2015-10-year-top-pe rforming-direct-plans-Q1-505 http://529.morningstar.com/overview.action?state=NV&planID=5 PUSA0002K (Message edited by humpty_dumpty on June 30, 2015) | ||
Hero Side Hero Username: Hero Post Number: 7412 Registered: 09-2009 Posted From: 38.101.193.194 Rating: N/A |
mav.... real advantage of 529 is tax credit kadu .." gains are tax-free" other investments lo gains are taxable.... | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30858 Registered: 02-2009 Rating: N/A |
tax credit kaadhu deduction | ||
Sony Megastar Username: Sony Post Number: 21258 Registered: 12-2006 Posted From: 170.48.19.252 Rating: N/A |
ala eppudo maa HD cousin vaala husband told about vanguard Nevada plan, maa CT plan waste ani telisind....ee vanguard nevada plan lo advantages evaraina dharmatmulu gist ikkada pettandi | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30857 Registered: 02-2009 Rating: N/A |
more than 90% of the time lo you can be resident of state A, open 529 in state B and send kid to college in kid C ani sadhivaan | ||
Vasu Side Hero Username: Vasu Post Number: 8010 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
529 plans ki tax credit undakapovadam emiti? Double Standard By TT lu : http://s23.postimg.org/4gdd050q3/doublestd.jpg | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30856 Registered: 02-2009 Rating: N/A |
idhi seyyalekay kadha ee funds venaka running anyways not going for 100% through 529 | ||
Vasu Side Hero Username: Vasu Post Number: 8009 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
NJ la 13k anukunta Asalu 2 529 contributions ni out of state use cheyocha or within the state? Double Standard By TT lu : http://s23.postimg.org/4gdd050q3/doublestd.jpg | ||
Rgb Comedian Username: Rgb Post Number: 1534 Registered: 06-2014 Posted From: 162.115.236.102 Rating: N/A |
Nenu use chestunna. NJ lo no benefit so invested in Vanguard Nevada plan | ||
Maverick Legend Username: Maverick Post Number: 57272 Registered: 01-2008 Posted From: 108.171.131.186 Rating: N/A |
tax credit unte ok..or else dandaga..u dont have enough options for investment. regular stocks lo ekkuva cheyyachu.. Happy Vizag | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30855 Registered: 02-2009 Rating: N/A |
annai...adhay process lo unna 401k vanguard, 529 vanguard last kee van yekkincharu kadha :P | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30854 Registered: 02-2009 Rating: N/A |
RTI? GC undhi ani assuming | ||
Hero Side Hero Username: Hero Post Number: 7411 Registered: 09-2009 Posted From: 38.101.193.194 Rating: N/A |
humpesh -- Virginia529 inVEST ..select (Vanguard)...all set (dont go for prePAID ) http://www.virginia529.com/invest/index.php ..all set | ||
Jodhaa Legend Username: Jodhaa Post Number: 31212 Registered: 02-2008 Posted From: 104.129.196.71 Rating: N/A |
Inka start cheyyaledhu.. | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 30853 Registered: 02-2009 Rating: N/A |
vomerica lo pillal kaalej education kosam 529 open seyyalli anyone using these plans ? VA lo open chesthay as a VA resident, 8k per year tax deductions gaa raasukovach ani latest gaa telisindhee |