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GOLDEN GATE PACL INDIA LTD free time Jobs4 all JOIN SMAART WAY BUSINESS ADS FOR YOU LIC OF INDIA NEWS , KNOWLEDGE UPDATE STUDENTS GUIDE live facts and love tips Time Pass Zone Tips/techniques4success NEW OFFER4 ADVERTISERS Guestbook Photo Gallery Blog About Me




Smaart Way Marketing Solutions LIC OF INDIA Live facts and Love tips TIME PASS ZONE

I'M SURE YOU WILL LIKE IT. PLS LEAVE YOUR COMMENTS. OWNER: SHiVaKuMaR ShIvUsIrADoing My MBA iN bAnGaLoRe. eNsure That Your nAmE iS iNcLuDeD hERE.Business partners required. Please contact me Don’t limit yourself. Many people limit themselves to what they think they can do. You can go as far as your mind lets you. What you believe, remember, you can achieve. shivusirabiz©2007. Create a free website at

PACL INDIA LTD. Hi friends I have joined Pearls PACL insurance services ltd. It is a public sector limited company. Branch office: #30/1, leemans complex, 5th floor, cunningham road, bangalore-52 Pearl is serving the nation from last 25 years. The Public sector agriculture based company and it is not a chit or financial institution. Pearl has tie up with MAX NEW YORK LIFE INSURANCE SERVICES LIMITED as a CORPORATE AGENT. About 600 lakhs people invested in the pearls and hav become owners of land. From 1988 to 2006 Pearl PACL has settled 2000 crores on maturity of contract policies. About more than 30 lakhs employed and unemployed people are working at different positions in the PACL. For the sake of security, investor will be allotted with land units and they will be the owner of land up to maturity period of policy. PACL will provide all legal documents to the investors. After maturity of the policy, PEARL will principal amount plus bonus amount to the policy holder. Subscribe To My Site name: email: verify email:

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Sl. Plot No. size(sq. yards) 1 150 1 200 2 300 2 400 3 450 4 600 5 750 6 800 7 900 8 1000

Maturity Accident Yearly Half Quarterly Monthly Total Yearly Investment benefits Amount 1365 690 350 -7500 10910 11250 1820 920 467 160 10000 14547 15000 2730 1380 700 240 15000 21820 22500 3640 1840 934 320 20000 29094 30000 4095 2070 1050 360 22500 32730 33750 5460 2760 1400 480 30000 43640 45000 6825 3450 1750 600 37500 54550 56250 7280 3680 1868 640 40000 58188 60000 8190 4140 2100 720 45000 65460 67500 9100 4600 2335 800 50000 72735 75000

INSTALMENT PAYMENT PLANS No. FOR 66 MONTHS (PLAN CODE 53) (OPTION I-1) 51/2 YEARS 1 2 3 4 1250 2500 3750 5000 11375 22750 34125 45500 5750 11500 17250 23000 2920 5840 8760 11680 1000 2000 3000 4000 62500 125000 187000 250000 90920 181840 272760 363680 93750 100000 100000 100000



1 1 2 2 3 4 5 3 6 4

150 200 300 400 450 600 750 800 900 1000

1250 1667 2500 3334 3750 5000 6250 6668 7500 8335

640 853 1280 1706 1920 2560 3200 3412 3840 4265

325 433 650 866 975 1300 1625 1732 1950 2165

--220 294 330 440 550 588 660 735

7500 10000 15000 20000 22500 30000 37500 40000 45000 50000

11550 15400 23100 30800 34650 46200 57750 61600 69300 77000

11250 15000 22500 30000 33750 45000 56250 60000 67500 75000


1 2 3 4

1250 2500 3750 5000

10420 20840 31260 41680

5330 10660 15990 21320

2705 5410 8115 10820

920 1840 2760 3680

62500 125000 187500 250000

96250 192500 288750 385000

93750 100000 100000 100000

INSTALMENT PAYMENT PLANS No. I-3 (FOR 84 MONTHS) (PLAN CODE 32) (OPTION 1) 7 YEARS 1 1 2 2 3 4 5 3 6 4 150 200 300 400 450 600 750 800 900 1000 1075 1433 2150 2866 3225 4300 5375 5732 6450 7165 540 720 1080 1440 1620 2160 2700 2880 3240 3600 275 367 550 734 825 1100 1375 1468 1650 1835 7500 10000 15000 20000 22500 30000 37500 40000 45000 50000 12390 16520 24780 33040 37170 49560 61950 66080 74340 82600 11250 15000 22500 30000 33750 45000 56250 60000 67500 75000

190 254 285 380 475 508 570 635

INSTALMENT PAYMENT PLANS FOR 84 MONTHS (PLAN CODE 55) (OPTION I-3) 7 YEARS 1 2 3 4 1250 2500 3750 5000 8955 17910 26865 35820 4500 9000 13500 18000 2295 4590 6885 9180 800 1600 2400 3200 62500 125000 187500 250000 103250 206600 309750 413000 93750 100000 100000 100000

INSTALMENT PAYMENT PLAN FOR 72 MONTHS (PLAN CODE 50) (OPTION I-4) 6 YEARS 1 500 8335 4290 2175 735 50000 77060 75000 2 1000 16670 8580 4350 1470 100000 154120 100000 3 2000 33340 17160 8700 2940 200000 308240 100000 4 4000 66680 34320 17400 5880 400000 616480 100000

INSTALMENT PAYMENT PLAN FOR 84 MONTHS (PLAN CODE 51) (OPTION I-5) 7 YEARS 1 2 3 4 500 1000 2000 4000 7145 14290 28580 57160 3675 7350 14700 29400 1865 3780 7460 14920 630 1260 2520 5040 50000 100000 200000 400000 82350 164700 329100 658800 75000 100000 100000 100000

INSTALMENT PAYMENT PLAN FOR 120 MONTHS (PLAN CODE 52) (OPTION I-6) 10 YEARS 1 500 5000 50000 107100 75000

2 3 4 4

1000 2000 4000 4000

10000 20000 40000 40000

2580 5160 10320 20640

1315 2630 5260 10520

445 890 1780 3560

100000 200000 400000 400000

214200 428400 856800 856800

100000 100000 100000 100000



COMPARE TO POST OFFICE, BANKS & PACL INDIA LTD. (INSTALLMENT SCHEME) Name Amount No. of Total Total Net Accident paid months Amount return benefit benefit amount


AGENTS BENEFITS AND CAREER Pearls 12 years career systems Rank Promotion Quota (In Rs) 15000 50000 Minimum Promotee Agents

Estate advisor (Agent) Senior Estate Advisor (Field Officer) Estate Organizer (Organizer)


Senior Estate Organizer 300000 (Special Organizer)

--Min. 3 agents + continuation of min. 60% installments of self customers Min. 1 S.E.A + 2 Promotee S.E.A or E.A directly and continuation of min. 60% installments of self customers Min. 1 Promotee E.O + 2 Promotee E.O or S.E.O or agents directly and continuation of min. 60%

Estate Executive (Inspector)


Senior Estate Executive 1200000 (Senior Inspector)

Estate Coordinator 2200000 (Development Officer) Senior Estate 3250000 Coordinator (Regional Officer) Estate Officer (Zonal 4500000 Officer) Senior Estate Officer (Sr. 6500000 Zonal Officer) Estate Consultant ( Sr. 8500000 Zonal Officer) Estate Executive ---Consultant Executive Manager ----

installments of self customers Min. 1 Promotee S.E.O + 2 Promotee S.E.O or E.O or S.E.A directly and continuation of min. 60% installments of self customers Min. 1 E.E + 2 Promotee E.E or S.E.O or E.O directly and continuation of min. 60% installments of self customers Min. 1 Promotee E.E + 3 Promotee E.E or S.E.O or E.O directly

Field workers commission and benefits: Sl No 1 2 3 4 5 6 1st Yr rate 2nd yr rate 3 to 7th yr in % in % rate in % 15 5 5 4 0.5 -3 0.5 -2.6 0.25 -2. 0.25 -1.2 --7-9 yr 5 0.5 0.5 0.5 0.5 0.5 10 yr 5 0.5 0.5 0.5 0.5 0.5 Accident benefit 25000 25000 25000 50000 50000 50000

7 8 9 10 11 12

1.2 1.2 1.2 1.2 1.2 1.2



0.5 0.5 0.5 0.5 0.5 0.5

0.5 0.5 0.5 0.5 0.5 0.5

50000 50000 75000 75000 75000 100000


Earning Details

Detail Amount

Earnings from receiving SMS Earnings from Contests Payments in form of cheque/coupons Current Balance Payment History Requested Date 07 Jan 2009

Rs. 511.85 Rs. 105.00 Rs. 304.00 Rs. 207.85

Mode Cheque

Status Dispatched

Amount Rs. 304.00


Earning Details << < 1 2 3 4 5 6 7 > >> Direct FirstLevel SecondLevel Total 0.20 0.60 0.20 0.00 0.00 0.20 0.20 0.20 0.00 0.20 2.80 7.50 1.10 2.40 1.80 3.60 1.20 3.40 0.70 1.50 0.25 0.20 0.10 0.25 0.20 0.20 0.05 0.10 0.10 0.10 3.25 8.30 1.40 2.65 2.00 4.00 1.45 3.70 0.80 1.80

Date 03/08/2009 02/08/2009 01/08/2009 31/07/2009 30/07/2009 29/07/2009 28/07/2009 27/07/2009 26/07/2009 25/07/2009

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{shivusira} MY EARNINGS: Rs 104.50

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SMAART WAY MARKETING SOLUTION INC. Hi friends SMAART WAY MARKETING is a network marketing company started on 30th january 2009 Joining package: Rs 999/- Branded company watch+ vodafone corporate sim Rs 199/- plan+ one lakh JP insurance cover+Discount coupons Rs 1299/- Above items+ trouser piece or one shirt piece

Vodafone post paid sim plan: Monthly Rs 199 Company will deposit Rs 300 in your name. 300 minutes free call to any number in karnataka+ 200 free messages+ free unlimited calls within members


You will get Rs 300 back when you surrender your sim at vodafone centre

there are 4 types of incomes and incentives: INCOME PLANS: Three Income Plans: 1) Binary Plan 2) Level Plan 3) Level-Binary plan (1st Time in INDIA) 1) BINARY PLAN

Joining Packages=6nos. Joining Fee: Rs.999/- to 1999/-

A) PAIR INCOME First 1:2 or 2:1 Then 1:1 = Rs.250/Daily Ceiling 12:12 = Rs.3000/16

Weekly payout Saturday To Friday B) POOL INCOME Company make autofill of members on first cum first basis and arrange in 3:9:27 ratio, when u complete 3 level in pool 1, you get Rs 750/POOL-1=750/-, No conditions. Every member is eligible to get it. POOL-2=7500/-*, * BA has to complete 3 pairs in his underline

POOL-3=75,000/-** ** BA has to complete C) ROYALTY INCOME When achieve 800 pairs (Including flush) is called a Royalty Achiever. He/She will gets a royalty income. ROYALTY INCOME comes as follows = COMPANY TOTAL LOGINS*10/- is shared among Royalty Achievers.


He/She will be eligible for gifts depends upon their teams 2. LEVEL-INCOME Joining Packages=4nos. Joining Fee: Rs.999/- to 1899/No Tial required 1:1 = 750/Per level is 1 pair eligible, No capping Daily u can earn unlimited income

3. LEVEL-BINARY Joining Packages=4nos. Joining Fee: Rs.2100/- to 3650/No Tial required In Level 1:1 = 750/- AND In Binary 1:1 = 250/Together for 1:1 = 1000/-* ONLINE JOINING WITH E-PINS

Apart from above, Time Bond, Foreign Trips, more details visit our website or mail me Website:

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After the car, Tatas to roll out nano homes MUMBAI: Tata housing, a subsidiary of tata sons announced that it would be offering „value homes‟ at affordable prices under its


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Science Medical a) Medicine and Dentistry b) Homeopathy c) Ayurvedic d) Paramedical e) Nursing f) Others 1) Physical therapist 2) Speech therapist

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INTRODUCTION Social and Welfare work means to help the people to tackle their day to day problems. These problems may be physical or mental, age old problem, due to unemployment, destitution etc. These workers try to alleviate such social problems. NATURE OF WORK Social Workers can work individually or in a group or may undertake community work. They generally do the work undertaken by the agencies /NGO, they are associated to. PERSONAL ATTRIBUTES Aspiring social workers must like people. They should have a concern to work for their welfare. They should respect people and their feelings and should be eager to work with them to improve their social conditions. EMPLOYMENT OPPORTUNITIES Career opportunities exist in the specific area of specialization which is generally offered at P.G. level. People trained in social work may find jobs with the Voluntary Organisations , NGOs , several government departments or they may work on their own. REMUNERATION Salaries offered at initial level are low, but it increases with experience. A person can expect to start with Rs 3500 working with a reputed organization , while in a smaller organization person can get anything between Rs1800Rs2000. COURSES OFFERED a) A 3 year Bachelors Degree course in Social work. b) A 2 year Masters course in social work. Specialisations available o Community Social work. 2) Medical and Psychiatric Social Work. 3) Criminology and Correctional Administration. 4) Labour Welfare and Industrial Relations.


5) Child Care and Family Services. c) Various Diploma / certificate courses of 1 / 2 year duration. ELIGIBILITY 1. For B.S.W. / B.A. course: Students who has passed +2 examination of any Board are eligible, but students with Psychology, social science background gets preference. 2. For M.S.W.: Graduate students of any stream, but premier institutes prefer B.S.W. background. MODE OF ENTRY Generally an All India level test is conducted by Universities followed by Interview, though some Institutes offer admissions on the basis of marks obtained in last qualified exam.


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Visit Yahoo! Answers to find the answer to millions of different questions. LOVE TIPS So, you like to get a girl, who is your class mate, colleague, girl at next door, a party chick or some one? You are a shy guy to start with girls? Keep this in your mind always "Girls aren't aliens to fear about". Kick your foolish shyness and fear at first. Be a Man: Do not degrade yourself with your inferior things. Look at the


couples you see at beach, park & every where else.. If he can get a girl then why not you? First Meet/Date/Conversation? Buddy, You need to make her get relaxed. So, Do not stand in front of her like an escaped prisoner with rolling eyes.

First relax yourself and understand the environment then start, Just say good day wishes, smile and move forward the conversation with interesting topics. There is a magic lie which always attracts a girl. Tell her that "You looks really nice. This dress perfectly suits you" end this line with a nice smile. This is your first trap. Your conversations with a girl: when a girl talk about something she like, an incident, a sad moment, her last summer trip, her pets or anything else, You need to follow "Shut Up and Listen" rule. Stop commenting, Stop giving suggestions, Stop giving advices, Stop arguments when she talk. She don't need a world's greatest idea from you when she talk something emotional. All she need is a caring person who respects what she is saying.

Be Talkative: Girls like such an interesting guys who talk funny, naughty (sometimes), caring & polite. Just be social. Know more about her: You have to know about her most happiest/sad moments. Close friends, Family, Co-Workers, Her favorite food, her hobbies. Do not ask all of these to her like a survey guy. Just know it in different moments. Your Thoughts: How to be an interested guy? If she like something, then ask about her thoughts & comments about it. Let her to talk much about her favorite things. Do not let it to be a questioner session.

Do not Hurt or Kid her friends: Do not try lame jokes to kid her friends. As you are a new person to her, You need to be friendly to all of her friends too.

TRUST Yourself:

First of all trust yourself, You can do it even millions of successful guys do. You lose nothing if she denies you. Just have a try learn the lesson "How to attract". Women don't base their choices of men on how “nice” a guy is. They choose the men they do because they feel a powerful GUT LEVEL ATTRACTION for them.

when you has say 'i love you' you need to consider a few things, based upon how well you \ know her, and how your relationship is going. For starters, consider how she would react if you said those three words. Do you think she's heard that before from any guy? Do you think she's waiting for you to say it? What's your relationship to her? Are you official? If not, do you think she's enjoying the simplicity of the f riendship now, or do you feel she's itching for it to become a formal relationship? Either way, take the initiative to talk to her about the relationship if you think she is confused about its clarity.

It is a real courtesy to a girl not to leave her wondering about the status of a relationship. But, those questions may be difficult to answer because girls can be hard to figure out. When in doubt, I would say to wait. You can always show that you love her, because our actions mean more than our words, anyway. This is a good policy, because if the feelings are mutual, then your thoughtfulness and actions can express your love. She'll feel your love, but she won't be overly worried about not hearing those words. However, if you have a good friendship going, and saying I love you could freak her out, then you're better off not saying it. Keep it simple. If you're meant to be, then you'll have millions of times to tell her "I love you." Just remember that love is patient.





















4. Kill the stress before it kills you, Reach the goal before it kicks you,

Help everyone before someone helps you, Live the life before Life leaves you. 3. Words of great attitude: Through your past in to the dust bin, Keep the present on to your working table and, Display your future on the notice board. 2. donot listen t o people who saystop dreaming and face the reality. Instead Tell yourself Keep dreaming and make it Reality. 1. Learn, Earn and Enjoy Life GET ALL FUTURE UPDATES name: email: verify email:

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1.Is Dil mein aansuyo ke mele hain Tum bin hum bohat akele hain Sab kuch chod kar tumeh e-mail karte hain Dekho hum kitne vele hain * vele = lazy (vele is a Punjabi word) 2.Har desh ki ek sarhadd hoti hai bache ki bhi ek jidd hoti hai aur kitna intzaar karru tere sms ka Kanjosi ki bhi koi hadd hoti hai 3.kayi raaz aise hote hain jo dikhaye nahi jaate

kayi kisse aise hote hain jo sunaye nahi jaate kayi dil aise hote hain jo tode nahi jaate aur aap jaise dost aise hote hain jo chode nahi jaate. 4.Yaad karte hai tumhe tanhai mein, dil dooba hai gamo ki gehrai mein, hume mat dhoondna duniya ki bhid mein, hum millenge tumhe tumhari parchaai mein..... 5.Humse door jayoge kaise, Dil se hume bhulayoge kaise, Hum to vo khusboo hain jo aapki saanso mein baste hain, Khud ki saanso ko rok payoge kaise 6. Har baar dil se yeh paigaam aaye JubaaN kholu to tera he naam aaye Tum he kyon bhaye dil ko kya malum Jab nazroo ke saamne haseen tmaam aaye 7.Mere Dil, Jiger, Kidney, Liver ho tum waqt-bewaqt aaye vo fever ho tum Doob kar jisme marr jayu vo River ho tum Mere jeevan mein ab to forever ho tum... 8.You must be a good runner because you are always running in my mind, you must be a good thief because you have stolen my heart, and i am always a bad shooter because I Miss You Always... 9. Shaam hote hii ye Dil udaas hota hai Toote khwaboo ke siwa kuch na pass hota hai Tumahri yaad aise waqt bohat aati hai Bandar jab koi aas-paas hota hai.. 10.Door waadiyoN mein dhundley badal chupkar parvat se milne ka intzaar karte hain, Dil mein tamaam hasarteiN liye hum aapka intzaar karte hain 11.Kya aankheiN hain aapki, kya baatein hain aapki.. us khuda ne kuch aisa aapko bnaya hai...

maano..."Shhhsss...KOI Hai" se bhoot nikal aaya hai.... 12.Aap kya jaano hum kitna yaad karte hain maano ya na maano har pal fariyaad karte hain Roz khat likhte hain CARTOON NETWORK ko aur aapko play karne ki maang karte hain.... waaaaahhhhhhhhh... 13.Phool khilte rahein zindgi ki raah mein hassi chamakti rahe aapki nigaah mein kadam kadam par mile khushi ki bhaar aapko dil deta hai yehi dua baar-baar aapko 14.1. L O V E L = Lake of Sorrow O = Ocean of Tears V = Valley of Death E = End of life....

15.Friendship is like a glass handle it with care because once broken cannot be mended and even if mended.... a crack is always there !!!

16.When Nights are long & Friends are few, I sit by my Window & think of u. a silent whisper a silent tear. with all my Heart i wish you were here.

17.When i open my eyes every morning i pray to God that everyone should have a friend like you.... Why should only i suffer!!!

18.When the time comes for you to give your heart to someone make sure that u select someone who will never break your heart coz broken

hearts have no spare parts. 19.Teri yaad mein humne kalam uthaayi liya paper aur tasveer aapki bnayi socha tha ki usko dil se laga kar rakhenge magar vo to bacho ko daraane ke kaam aayi... 20.Badi asaani se dil lgaaye jaate hain par badi mushkil se waade nibhaye jaate hain le jaati hai mohabbat un raaho par jaha diye nahi dil jalaaye jaate hain

21.Most people walk in and out of your life, but only FRIENDS leave footprints in your heart. 22.Good FRIENDS are hard to find, harder to leave,and impossible to forget. 23.DON'T frown.You never know who is falling in love with your smile 24.When it hurts to look back, and you're scared to look ahead, you can look beside you and your best friend will be there 25.Aap jaise log hume kuch khas lagte hai. mann me har waqt hum ek aas rakte hai, jaane kab aa jaye sms aapka is liye cell ko dil ke pass rakte hai 26.When u feel sad.... To cheer up just go to the mirror and say, "damn I am really so cute" u will overcome your sadness. But don't make this a habit..... Coz liars go to hell !!!! day Love and friendship met.

Love asked-when i already exist why are you here? friendship replied "to make faces smile when u leave the tears!!!" Friendship is the best thing in the world as there is no scope for tears if your friend is good. 28.If you love someone, put their name in a circle, instead of a heart, because hearts can break, but circles go on forever 29.If all my friends were to jump off a bridge, I wouldn't jump with them, I'd be at the bottom to catch them. 30.To handle yourself, use your head; To handle others, use your heart. Get all updates on this site name: email: verify email:

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31.Smile a while and while you smile, smile another smile and soon there will be miles and miles of smile just because you smiled, i wish your day is full of SMILE 32.Muskura do jara khuda ke vaste, sama-e-mahefil mai rosni kam hai, tum hamare nahi to kya gum hai, hum tumhare to haiN ye kya kam hai? 33.Hi i am marrying next week there will be a small party and only few persons will be invited Hey don't bring any gift just bring SOMEONE to marry me.....

34.A good Friend is like a computer he ENTERS in your life SAVE himself in your heart,FORMATS all your troubles and never DELETE you from his heart. 35.a friend is sweet when it is new... it is sweeter when it is true.... but you know that..... it is the sweetest when it is u..." 36.a friend is sweet when it is new... it is sweeter when it is true.... but you know that..... it is the sweetest when it is u.. 37.Chehre pe ashko ki lakeer si ban gayi Jo na chaaha tha vo takdeer si ban gayi humne to chalaayi thi ret pe ungli gaur se dekha to unki tasveer si ban gayi 38.Mountain can fly,river can dry you can forget me but never can i 39.Tere pyaar ki roshni aisi hai ki har taraf ujaala nazar aata hai sochta hu ki ghar ki bijli katwa du kambaqt bill bohat aata hai 40.Door rehkar bhi yaad karenge yeh mat sochna ki bhool jayenge tumeh, agar dost bankar raas na aaye to ajnabi ban kar yaad aayenge tumeh 41.destiny decides who u meet in life but its only your heart that can decide who gets to stay in your life.....

42.Have a heart that never hardens

have a smile that never fades have a touch that never burnt and have friendship that never breaks.

43.If u drop me i ill break if u hold me i ill shake if u need me i ill hurry, if u don't call me i ill worry if u hurt me i ill cry but if u leave me i ill die.

44.Meaning of Friendship : F-------FOREVER R-------RESPONCIBLE I--------INTELLIGENT E-------EAGER TO MAIL N-------NICE D-------DIVINE S--------SIMPLE H-------HEARTLY I--------INTERSTED P-------PEACEFUL

45.Kind, intelligent, loving and hot This describes everything you're not

46. I saw your face as you walked by but then I saw a better guy

47.I see your face when I am dreaming That's why I always wake up screaming

48.My love you take my breath away What have you stepped in to smell this way 49.My feelings for you no words can tell

Except for maybe "go to hell"

50.Of loving beauty you float with grace If only you could hide your face

51.jawaab teri shayari ka.... denge hum shayari mein.... naam tera likh baithe hain.... apne dil ki diary mein....

52.If u are a chocolate you are the SWEETEST, If u are a teddy bear you are the most HUGGABLE, If u are a star you are the BRIGHTEST, and since you are my friend...U R THE BEST !!!

53.Tum hoti to aisa hota, tum hoti to waisa hota Tum is baat pe itna hasti, tum uss baat pe itna khush hoti, Tum is baat pe ye kehti,tum uss baat pe wo kahati shukar hai tum nahi ho!!!

54.Don't shut love out of your life by saying it's impossible to find. >The quickest way to receive love is to give; The fastest way to lose love is to hold it too tightly; And the best way to keep love is to give it wings.

55.Dil ki aavaj bhi sun mere fasaane pe na jaa

meri najaroN ki taraf dekh jamaane pe na jaa.. 56.Haseeno ne haseen banke gunaaah kiya, auro ko to theek humko bhi tabaah kiya, pesh kiya jab ghazaloN mein unki bewafaii ko, auro ne to theek unhone bhi waah waah kiya 57.Yeh jo haseeno ke baal hote hai, ladkon ko fassane ke jaal hote hai, na jaane kitno ke khoon piye honge inhone, tabhi to inke honth laal hote hai 58.Love is sweet poison: Do not consume without your beloved's advise and keep out of reach of children and keep it in cool and dark place. 59.Promise me we are true friends I am lamp you are light I am Coke you are Sprite I am Sawan you are badal I am Normal you are Pagal I am Water you are Tanki I am Tarzan you are Monkey 60.Aaj vo humse jannat mein takra gaye Aaj vo humse jannat mein takra gaye Aur humare dil se awaaz nikalii.... Fiteh Mooh...Tusin Ethe vii aa gaye !!!

1.Gham me hasne walo ko kabhi rulaya nahi jata, lehro se pani ko hataya nahi jata, hone wale ho jate hain khudhi dil se apne, kisi ko kehkar apna banaya nahi jata


2.Socha tha na karenge kisi se dosti, na karenge kisi se vaada, par kya kare dost mila itna pyara ki karna pada dosti ka vaada

3.Samja do apni yado ko, wo bin bulaye pas aaya karti hai, aap to dur rehkar satate ho magar, wo pas aakar rulaya karti hai

4.Waqt guzarta raha par sanse thami si thi, muskura rahe the hum, par ankho me nami si thi, saath hamare ye jahan tha sara, par na jaane kyu tumhari kami si thi

5.Kyu dil ke mere tukde kar diye, kyu mere aansu ko apni muskan se baha diye, gunah kya tha mera bus chahna tumhe, kyu meri zindagi me tune dard bhardiye

6.Phool se pehle khusboo ko to dekho, karne se pehle kaam ko to dekho, kisike roop mein diwana naa bano, surat se pehle uske dil ko to dekho

7.Movie titles related to engg students: exams - socha na tha,

classes - kabhi kabhi, question papers - na tum jano na hum, copying - yaarana, maths2 - asambhav, maths1 - mission impossible, environmental sciences - pyar mein kabhi kabhi, 1st semester - kuch to hai, 2nd semester - yeh kya ho raha hai, distinction - kal ho na ho, 1st class - raju bangaya gentleman, 2nd class - dil mange more fail - phir milenge

7.Hum wo ishq hain jo dil bankar dhadakte hai, hum wo khushbo hain jo baho mein mahakte hain, humse pyar na karna e-zalim hum vo dard hain jo ankho se chalakte hain

8.School- a place where papa pays & son plays life insurance- a contract tht keeps you poor all ur life so tht you can die rich nurse- a person wakes up to give you sleeping pills marriage- a contract in which a boy loses his bachelors degree & girl gets her masters degree

9.Apne pyar ko chupana chaha par chupa na sake, diwane dil pe kabu hum pa na sake, aaj itne karib se gujar gaye wo, phir bhi unka hath hum tham na sake

10.Ikrar may shabdo ki ahmiyat nai hoti, dil ke jazbat ki awaz nai hoti,

ankhen bayan kar deti hai dil ki dastan, mohabbat lafzo ki mohtaz nai hoti

11.Gam ki aahat na aaye tere dar par, pyar ke samander ka tum bhi ek kinara ho, bhool se jo tapke teri aankhon say moti, thame wohi jo tumhe sabse pyara ho

12.Mohabbat me sath to harpal hota he, koi dikhne se hota he to koi dilse hota hai, maza to sath tab aye yaro, jab judai ka lamha mahsus hota hai

13.Be slow in choosing a friend & slower while loosing them bcoz friendship is not an opportunity its a sweet rsponsibility

14.If love is sweet why does it hurt, if love is deep why does it burn, if love is warm why do we shiver, if love is tender why do we cry, if love is forever why do we die

15.God picked up a flower & dipped in honey he touched it with love n turned into u, he then gifted it to me & said this friend is for u


16.Na chaho kisi ko itna ki chahat aapki majburi ban jaye, chaho kisi ko itna aapka pyaar uske liye jaruri ban jaye

17.Gham ne hasne na diya, zamane ne rone na diya, is uljhano ne jine na diya, thak ke jab sitaron se panah li, neend aayi tho aapki yaad ne sone na diya

18.Har ek se achi baat karna FITRAT hai hamari, har ek khush rahe ye HASRAT hai hamari, koi hum ko yaad kare ya na kare, har ek ko yaad karna aadat hai hamari

19.Yaadon mein hum rahein ye ehsaas rakhna, nazron se door sahi dil ke paas rakhna, ye nahi kehte ke sath raho dur sahi par yaad rakhna

20.Fasle mita kar aapas me pyar rakhna, dosti ka ye rishta hamesha yunhi barkarar rakhna, bichad jaye kabhi aap se hum, aankhon me hamesha hamara intejar rakhna


21.Hamne zindagi ki shurarat S se ki, s se suraj, s se subah, s se swagat, s se saaz, s se sangeet par phir s se samay ne aisi karwat badli ke s se hamari shaadi ho gai, aur fir jeewan ka arth saas, sasur, saala, saali, sasural or sankat ho gaya to hamne s se sharab pi ne lage, so beaware of s

22.Zindagi mein hamesha SMART log milenge, kahi zyada to kahi kum milenge, choice zara sochke karna, zaroori nahi har jagah tumhe hum jaise milenge

23.Sms karenge hum ek duje ko bari bari, hame lagti hai ye rasam badi pyari, ye sms milte hi ek sms bhej dena, kyunki hame bilkul pasand nahi udhari

24.Kisi na kisi pe kisi ko aetbar ho jata hai, ajnabi koi shaks yaar ho jata hai, khubiyo se nahi hoti mohabbat bhi sadaa, khamiyo se bhi aksar pyaar ho jata hai

25.Khuda se thoda rahem kharid lete, aap ke zakhmo ka marhar kharid lete, agar kahin kabhi bikti khushiyan meri, to saari bechkar aapka har gam kharid lete

26.Sabse loving kaun: TUM,

sabse sweet kaun: TUM, sabse cute kaun: TUM, in sab me TUM se zyada kaun: HUM lekin duniya me sabse acche dost kaun: HUM TUM

27.Nighahe nighago se milakar to dekho, naye logo se rishta banakar to dekho, hasrate dil me dabane se kya faida, apne hoton ko hilakar to dekho, asmaan simat jayega tumhare agosh me, chahat ki bahen failakar to dekho

28.Frindship opens many doors each with a different view but none could be more beautiful view than the door that leads to u

29.Tum kya jano kya hai tanhai is tute hue patte se pucho kya hai judai, yu bewafa ka ilzam na de zalim, is waqt se puch kis waqt teri yaad na aayi

30.Bathmeez Chaddar ki KAMEEZ, Lohe ka PAIJAMA, Bandar tera MAMA, Billi teri MAUSI, Kutte mera YAAR, Aam ka AACHAR Miss u mere YAAR


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31.Aap ka ashiyana dil mein basaya hai, apki yado ko sine se lagaya hai, pata nahi yaad apki hi kyo aati hai, dost to hamne auro ko bhi banaya hai

32.Make a heart which never breaks, make a smile which never hurts, make a touch which never pains, make a friendship which never ends

33.Dosti gazal hai gane ke liye, dosti nagma hai sunane ke liye, ye wo jazba hai jo sabko nahi milta, kyonki aap jaisa chahiye nibhane ke liye

34.Zindagi hai nadan isiliye chup hoon, dard hi dard subah shaam isiliye chup hoon, keh du zamane se dastan apni, usme aayega tera naam isiliye chup hoon


35.Hoth keh nahi sakte jo fasana dil ka, shayad nazron se vo baat ho jaye, is ummid se karte hain intezar raat ka, ke shayad sapne me mulakat ho jaye

36.Sehmi si nigaho mein khwab hum jaga denge, sooni in raho pe phool hum khila denge, humare sang muskura ke to dekhiye, hum aapke har gum bhula denge

37.Kaise kehde ki unse milne ki chahat nahi, bekarar dil ko ab bhi rahat nahi, bhula dete unhe bhi magar kya kare dost, kisi ko bhulane ki is dil ko aadat nahi

38.Mana aaj unhe hamara koi khayal nahi, jawab dene ko hum razi he par koi sawal nahi, pucho unke dil se kya hum unke yaar nahi, kya hamse milne ko wo bekarar nahi

39.Bolti hai dosti chup rehta hai pyar, hasati hai dosti rulaata hai pyar, milati hai dosti judaa karta hai pyar, phir bhi kyun dosti chodkar log karte hai pyar

40.Aap to manzil ko mushkil samajte he hum aap ko manzil samajte he, bada fark he apke or hamare nazariye me aap hume sapna or hum aap ko apna samajte hai

41.Wife: kaash main newspaper hoti dinbhar tumhare hathon me rehti Hus: meri bhi yahi dua hai rab se issi bahane her din nayi nayi to milti

42.Leke hum dusro ki hasi kya kare, jo apni nahi wo khushi kya kare, tanha jine se behatar hai mar jaye hum, jab saath tum nahi to zindagi jikar kya kare

43.Phool bankar muskurana zindagi hai, muskurake gum bhulana zindagi hai, milkar log khush hote hai to kya hua, bina mile dosti nibhana bhi zindagi hai

44.Happy moments praise allah, difficult moments seek allah, quiet moments worship allah, painful moments trust allah, every moments thank allah

45.Ae khuda dua ye meri khali na jaye ke mere dost ki palkon main kabhi aansu na aaye, aansu nikle to khushi ke nikle gum ke aansu mere hisse me aa jaye


46.Tumhari yaadon ki mehek in hawaon mein hai, pyar hi pyar hi bikhra in fizao mein hai, aisa na ho ki duriya dard ban jaye, ab to aapke msg ka intezaar niaghon mein hai

47.Mohabbat ko mohabbat ka ishara yaad rehata hai, har pyar ko apna pyar yaad rehta hai, wo pal jo yaar ki baho me guzarta hai, maut tak vo nazara yaad rehta hai

48.Panchi keh rahe hai ki hum chaman chod denge, aur sitare keh rahe hai ki hum gagan chod denge, agar tere ishq mein mai mar bhi jau ae sanam, tum dilse pukar lena hum kafan chod denge

49.Aansu aa jate hain aankhon mein, par labon pe hasi lani padti hai, yeh mohabbat bhi kya cheez hai yaaro, jisse karte ho usi se chupani padti hai

50.Kyun kisi ki khamoshi mujhe khamosh kar jaati hai, kyun uski udaasi muje udaas kar jaati hai, kya rishta hai uska mera jo mujhe uski yaad har pal aa jaati hai

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51.Jab koi khayal dilse takarata hai dil na chahkar bhi khamosh reh jata hai, koi sab kuch kehkar pyar jatata hai toh koi kuch na kehkar bhi pyar nibhata hai

52.Reth pe likhna to adat hai hamari isiliye toh sagar se dushmani hai hamari, chahe wo lakh bar apka nam mitaye, apko bhulana taqdir nahi hamari

53.Lamhe ye sunhere kal sath ho na ho, kal me aaj jaisi baat ho na ho, yaadon ke hasin lamhe dil me rehenge, tamaam umar chahe mulaqat ho na ho

54.Mere alfazon ko juth mat samajna, yaad aati hai bahut jaldi milne ki dua karna, ji raha tha tumhare naam par mar jau toh bewafa mat samajna


55.Lehar ati hai kinare se palat jati hai, yad ati hai dil me simat jati hai, faraq itna hai ki lehar bewaqt ati hai, aur aap ki yaad har waqt ati hai

56.Rab se aapki khushi mangte hain, duaon me aapki hansi mangte hain, sochte hain kya mangen aapse chalo aapki umar bhar ki dosti mangte hain

57.Nazre na hoti to nazara na hota, duniya main hasino ka guzara na hota, hamse yeh mat kaho ke dil lagana chhod de, jaake khuda se kaho hasino ko banana chhod de

58.Best day aaj, best gift zindagi, best eahsaas khushi, best feeling pyar, best relationship dosti, best person hum, best friend tum hum tum

59.Wo laut aayega teri zindagi mein, jiska intzaar tujhe aaj bhi hai, maana waqt ne ki hai bewafai tujhse lekin meri duaon me asar aaj bhi hai

60.Ruthne ka haq aap rakhte hai manane ki chahat hum rakhte hai, aapke hoton pe muskurahat yu hi bani rahe yehi dua rab

se hum roz karte hai

61.Kiss is not like nokia just connecting people, not like nike just do it, not like pepsi yeh dil mange more, but kiss is like lays no one can eat just one

62.Kaash dil ki awaaz me itna asar ho jaye ki hum jise yaad kare use khabar ho jaye rab se yahi dua hai meri ki aap jise chahe woh aap ka humsafar ho jaye

63.Heart is like a crystal preserve it, love is like a perfume spread it, feelings are like flood flow it, friendship is like umbrella come lets share it

64.Kafi hai husn dil ko behlane ke liye, mohabbat karlo dil ko dukhane ke liye, chahe bhale pade gam se vasta, ek hum jaisa dost rakhna sab gamo ko bhulane ke liye

65.Anjane me hum apna dil gawa baithe is pyar me kaisa dhoka kar baithe unse kya gila kare bhool hamari hi hai jo bina dil walon se dil laga baithe

66.Har khushi dil ke karib nahi hoti,

zindagi gamo se dur nahi hoti, ae dost is dosti ko sanjokar rakhna, aisi dosti har kisi ko nasib nahi hoti

67.Hum mitti ka aashiyana banate gaye, bana bana kar unhe mitate gaye, hume koi na apna bana saka, hum har kisi ko apna banate gaye

68.Days r too busy, hours r too fast, sec r too few, but there's always time for me to remember a nice friend like u

69.Kaun hai jo manzil se door nahin, kaun hai jo zindagi se majboor nahin, gunaah to sabhi karte hain, humari nazar mein to khuda bhi bekasoor nahin

70.Kab unki palkon se izhaar hoga, dil ke kisi kone mein hamare liye pyar hoga, guzar rahi hai raat unki yaad mein, kabhi to unko bhi hamara intezar hoga

71.Nazroo se jab nazar ka takrar hota hai, har mod par kissi ka intezaar hota hai, dil rota hai zakham haste hai, isi ka naam to pyaar hota hai

72.Unhone dekha aur aansu gir pade, bhari basant mein jaise phool bikhar pade, dukh woh nahin ki unhone hume alvida kaha, dukh to ye he ki uske bad wo khud ro pade

73.Mana ye waqt hame yaad karne wala nahi, par bewaqt he yaad karliya karo, mana aapke aspas sari duniya hai, kabhi hamari kamika bhi ehsas karliya karo

74.Nashili aankho se wo jab hamein dekhte hain, hum ghabraakar ankhen jhuka leite hain, kaun milaye unn ankhon se ankhen, suna hai wo ankho se apna bana leite hai

75.Chandni raat main jab sara jahan sota hai kisi ki yaad main koi badnaseeb rota hai, khuda kisi ko pyar pe fida na kare aur kare to juda nakare

76.Har pal muskurana zindagi hai, muskurakar gam bhulana zindagi hai, jeet kar muskurana bhi kya muskurana hai, haar kar muskurana zindagi hai

77.Hum nibhayenge dosti marte dum tak, hum hasayenge tumko gham se khushi tak, aye dost kabhi humse naraz na hona,

saath rehna hamare akhiri dum tak

78.A child uses its thumb 2 chew, an illiterate uses his thumb 2 sign, a winner uses his thumb 2 show victory, but a monkey is using his thumb 2 read this sms

79.Jab se tumhe jana hai, jab se tumhe paaya hai, har dua mein tera naam aaya hai, taaki poochhu rab se ki yeh kaisa namoona banaya hai

80.Ret pe naam kabhi likhte nahi, ret pe naam kabhi tikte nahi, log kehte hai ki hum patthar dil hain, lekin pattharo pe likhe naam kabhi mit te nahin

81.How can u tell the rain not 2 fall when clouds exists, how can u tell the leaves not 2 fall when the wind exists, how can u tell me not 2 miss when u exists

82.Aankhon me rahne walo ko yaad nahi karte, dil me rehne walo ki baat nahi karte,

hamari to ruh me bus gaye hain aap, tabhi to hum milne ki fariyaad nahi karte

83.Every tear is a sign of brokenness, every silence is sign of lonliness, every smile is sign of kindness, every sms is sign of remembrance

84.To walk is easy but 2 walk alone is tough, being missed by someone is nice but missing someone is painful, being loved is secure but to love is insecure

85.Some people have nice eyes, some people have nice smiles, others have nice faces, but u have all of them with a nice heart

86.Phool bankar muskurana zindagi hai, muskurake gum bhulana zindagi hai, milkar log khush hote hai to kya hua, bina mile dosti nibhana bhi zindagi hai

87.Tujse dosti karne ka hisab na aya, mere kisi bhi sawal ka jawab na aya, hum to jagte rahe tere hi khayalo me, aur tujhe so kar bhi hamara khawab na aya


88.These are some of the romantic countries in the world, holland: hope our love lasts & never dies, italy: i trust & love u, libya: love is beautiful & u also, france: friendship remains & never comes to an end

89.Jakham aisa diya ki koi dawa kaam na aayi, aag aise lagayi ki paani se bhi bhuj na payi, aaj bhi rote hai unki yaad main, jinhe hamari yaad hamare guzar jane par bhi na aayi

90.Bhool jane ka hounsla na hua, door rah kar bhi wo juda na hua, unse mil kar kisi aur se kya milte, koi dusra unke jaisa na hua

91.Laughter is the jam on the toast of life, it adds flavour keeps it from being too dry & makes it easier to swallow lifes sorrows

92.Kaanch chube to nishan reh jaata hai, dil tute to armaan reh jaata hai, laga to deta hai waqt marham is dil par, phir bhi umra bhar ek zakhm reh jata hai

93.Log phoolon se mohabbat karte hai,

kaaton ko kisne yaad kiya, hum kaaton se mohabbat karte hai, kyunki phool ne hume barbaad kiya

94.Hum agar aapse mil nahi pate aisa nahin ke hamein aap yaad nahi aate, mana jahan ke sab rishte nibhaye nahi jate, par jo bas jate hai dil me phir bhulae nahi jate

95.Nazar nawaz najaro me ji nahi lagta, fiza gai to baharo me ji nahi lagta, na puchh mujse tere gum me kya gujarti hai, yahi kahunga hazaron me ji nahi lagta

96.Never search ur happiness in others which will make u feel alone, but search it in urself u will feel happy even if u are left alone

97.Kafi hai husn ko behlane ke liye, mohabbat karlo dil ko dukhane ke liye, chahe bhale pade gam se vasta, ek hum jaisa dost rakhna sab gamo ko bhulane ke liye

98.Fiza par asar hawaon ka hota hai, mohabbat par asar adaon ka hota hai, koi aisa hi kisi ka diwana nahi hota, kuch kasoor to nigahon ka hota hai


99.Pyar ke ujalo me gum ka andhera kyu aata hai, jisko hum chahte hai wohi kyu rulata hai, mere khuda agar wo mera naseeb nahi to aise logon se kyu milata hai

100.Waqt guzrega hum bikhar jayenge, kaun jane ke hum kidhar jayenge, hum apki parchayi hain yaad rakhna, jahan tanhai mili wahan hum nazar ayenge

101. May be I’m not the important person in your life. But I just hope that one day when you hear my name u would just smile and say had a friend by this name.

102. To be most successful person in life , always forget the problems that faced in your life. But don’t forget the lessons u learnt from those problems.

103. Sardar got a sms from his gal friend “I MISS U” Socho sardar ne kya reply diya hoga? Socho..





“I Mr. U” Bolo singh is King.

103. KOUN BANEGA KAROD PATI Nimge ega 2 cr question Nimge huchu anta nimma maneyavarige gotta? 1) Gottu 2) gottilla 3)Pls helbedi

Answer Me

104. A short walk is so difficult, wen no one walks with us. But a long journey is just like a few steps when we walk with someone whom we love and care.

105. 3 stupid stages of life: TEEN AGE- Have tym and energy but no money

ADULT AGE- hav energy and money but no tym OLD AGE- Have money and tym, but no energy

106. Beautiful life is just a imagination, Real life is more beautiful than imagination. So enjoy every moment of ur life.

107. Beautiful words by a kid: I would conquer the whole world with just one hand..

If my mom holds the other hand

108. We often don’t express our feelings for the fear of loosing a relationship, but the fact remains that we loose a beautiful by not expressing our feelings.

109. Har ansu me Koi baat hogi Har dark e piche kisi key de hogi Aap hame yad rakho ya bhul jao.. Lekin apki har kushi ke piche hamari duwah hogi..!

110. To my dear friend Don’t postphone today’s work to tomorrow..!

U can also do it day after tomorrow

111. har pal ki dosti ka irada he apse. Apna pan hi kuch zyada he apse.Na sochenge sirf umarbhar kliye, qayamat tak sath nibhayan, ye wada he apse

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4. Keep refering your friends, relatives and others regularly through Email, chat, sms, blogs. You can use free online classifieds, pamphlets and posters, bookmarking in popular search engines and free websites for this purpose.

5. Do regular search on internet and explore new opportunities and arrivals in the market. You will get new ideas and methods of improving your earnings.

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Hello friends


This is shalini GK from Bangalore. hi friends I have joined Pearls PACL insurance services ltd. It is a public sector limited company.


Branch office: #30/1, leemans complex, 5th floor, cunningham road, bangalore-52 Pearl is serving the nation from last 25 years. The Public sector agriculture based company and it is not a chit or financial institution. Pearl has tie up with MAX NEW YORK LIFE INSURANCE SERVICES LIMITED as a CORPORATE AGENT.

About 600 lakhs people invested in the pearls and have become owners of land. From 1988 to 2006 Pearl PACL has settled 2000 crores on maturity of contract policies. About more than 30 lakhs employed and unemployed people are working at different positions in the PACL.

For the sake of security, investor will be allotted with land units and they will be the owner of land up to maturity period of policy. PACL will provide all legal documents to the investors.

After maturity of the policy, PEARL will principal amount plus bonus amount to the policy holder.


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