Jewellery tips for the season

Summer is the right time for ushering fabulous fashion trends, be it apparel, jewellery, footwear or accessories. As the mercury soars high, adorning oneself with minimal jewels has become a new trend.

Nishant Tulsiani, Director at Anaqa and Parneet Thukral, co-founder at Gioielli have listed few tips:  

Tassels are quite in vogue these days. Be it danglers, chokers or ear cuffs.Tassels have become a trending choice among young ladies. Swarovski stones are another great style trending this season.

Giving a luxe essence yet confining to your budget, stunning and chic neckpieces, danglers and rings embellished with crystals can be an interesting addition to your summer wardrobe.


Single and double layered chains with edgy pendants are a must-have. Dainty ear studs and bracelets encrusted with semi-precious gemstones in lively yet subtle tones of pink, aqua and green are another  trend this year.

The ancient trends are coming back in a more grandiose way touching upon every fashion segment. Taking cue from the Greek mythology and Victorian era, jewellery in flaunting motifs of wings or feathers and vintage pearl jewellery are also becoming a hit with the ladies.

Tribal jewellery in oxidized silver is also grabbing great style statement for the season. Chunky and bold necklaces, stunning cocktail rings and jhumkis in oxidized silver with a tint of brass gives an elegant styling essence.

Chokers have come to the forefront of fashion in a big way. This particular accessory in versatile style and detailing is setting fashion goals both for traditional and western outfits. A contemporary style satin or lace choker with a dangling pearl or a crystal can give a classic makeover  to your western outfit.

Chokers in antique gold finish with crystals and tassels are also trending these days. On the other hand, a statement choker crafted in kundan or polki can give a mesmerizing touch to a traditional outfit.


GST rates neutral for most segments of the textile industry: ICRA

The Goods and Services Tax (GST) Council announced rates for the textile and other pending categories on June 3, 2017, moving one step closer to the proposed implementation of the new tax regime with effect from July 1, 2017. While rates for most commodities were announced on May 19, 2017, the announcement for the textile sector came with a lag owing to the complexities involved in the textile value chain, given the multiple layers and considerations as well as its far-reaching implications on the country’s output and employment.

Some of the industry characteristics which add to the complexity include:
i)   Regionally spread-out textile value chain and variations in state-level taxes and subsidy regimes,
ii)  Variation in taxation rates for fibres viz. natural vis-à-vis man-made,
iii) Large interactions between organised and unorganised segments, which are subject to different taxes and rebates/ subsidies
iv)  Variations in tax incidence and exemptions across segments in the value chain

Overall, the rates announced for the textile sector are comparable to the current effective tax rates for most categories and more or less in line with the industry expectations, except for manmade fibres and yarns, where the industry participants were hoping for a movement towards a fibre-neutral regime.

Material-rolls, Textile

Existing Tax Structure: Low effective taxation at present

Given the importance of the textile industry in terms of employment generation and contribution to foreign currency earnings, the Indian textile industry has been supported through low taxation, capital and interest subsidies and refund of taxes paid on inputs through the duty drawback scheme for exporters. Further, most of the players across the value chain operate on the optional route and pay zero excise duty provided they don’t claim the Input Tax Credit (ITC), thereby resulting in the incidence of lower duty. Some of the key reasons for players opting for the optional route include:

i)   Non-availability of ITC for cotton-based companies, given no excise on cotton: Domestic spinning industry is largely cotton-based which is not subject to excise, and hence ITC on raw materials is not available.

ii)  Non-availability of ITC for downstream companies, given low tax incidence for fabric manufacturers: The weaving industry is dominated by the small scale industries (SSIs), which operate under the composite scheme for taxation. As a result, ITC is not available for the downstream sectors.

GST Rates for the Textile Sector: Almost in line with the prevailing rates

With the exception of man-made fibres, the GST rates for all input categories viz. cotton, silk, jute, wool as well as other natural fibres have been kept in the Nil/lowest tax slab of 5% up to the fabric-making stage. In the downstream segment of end-product manufacturing, multiple rates have been introduced varying across product categories as well as across price-points. Further, the rates announced for the MMF based products follow an inverted duty structure wherein the raw materials have been subjected to taxation at higher rates.

GST Impact Analysis: Impact likely to be neutral

Impact up to the Fabric-Manufacturing Stage: As per ICRA’s estimates, the effective tax incidence on cotton and MMF/ blended textiles (up to fabric stage) under the existing tax regime is in the range of 5-7% and 11-14% respectively. Besides excise duty, this captures the impact of other multiple levies such as Value Added Tax (VAT), Central Sales Tax (CST) and Entry Tax/ Octroi. Considering that the GST rates announced for these textile categories are more or less in line with the existing effective tax rates, ICRA does not envisage any impact on these product categories. However, the rates announced are expected to be positive for wool/ silk-based textiles which will be taxed at a lower rate of 5% vis-à-vis their prevailing tax incidence of ~8-10%.

ICRA, however, notes that the fabric manufacturers, which operate under the composition scheme of taxation for which ITC is not available will face challenges as the apparel manufactures will prefer to deal with GST-compliant fabric suppliers to avail of the ITC. This will hence incentivise the fabric manufactures to operate under the purview of GST. Further, with the GST applied on cotton yarn as well, the incentive for fabric manufacturers to not avail of the ITC will also fall, since doing so would reduce the fabric manufacturer’s competitiveness.

Impact on Apparel Manufacturers: Though the impact is unlikely to be substantial up to the fabric stage, differential rates for the apparels based on pricing points is likely to create some impact on the apparel-manufacturers. While the impact is likely to be positive for apparels priced at less than Rs. 1,000/ piece in terms of reduced tax liability, the impact is likely to be marginally negative to negative for costlier apparels priced at more than Rs. 1,000 per piece.


Selena Gomez Is An Accessories Queen for Her First Coach Campaign

Selena Gomez signed a deal with the famous luxury label Coach back in December, and she’s been making good on it ever since. First up was her delicate starry look at this year’s Met Gala, and now she’s serving up face (and gorgeous handbags) in her first-ever ad campaign for the brand.

The photos, from iconic fashion photog Steven Meisel, are warm and inviting but also sharply chic. The shots also invoke the same ’70s style that Selena’s clearly fond of; after all, she just personally released a line of throwback “Bad Liar” merch.

selena gomez coach

selena gomez coach

Coach’s bread and butter will always be those forever iconic handbags, but leave it to Selena to be the perfect model of the line’s clothes as well. It may be high summer right now, but these shots have got us coveting autumn and winter wares. (Maybe these can be laid away a season? Asking for a friend.)

Coach, of course, shared some behind the scenes of their new spokeswoman, and gave some lyrical shoutouts to “Bad Liar” too:

Based on the smiles all around (and of course, the end results), it seems like this fashion campaign was a perfect match.

Online Classes for K-12 Students: 10 Research Reports You Need to Know

From Advanced Placement courses offered by state-run virtual schools to credit recovery classes delivered via third-party software, supplemental online education courses have exploded in K-12 education.


To help policymakers, administrators, educators, parents,and students make sense of it all, Education Week published an overview explaining the many varieties of online classes now available to K-12 students. It’s part of our new special report on the state of classroom technology, which you can read here.

For those who want to dig deeper, here are the reports and research studies that have shaped what we know about the still-murky field of K-12 …


NABARD Grade A assistant managers recruitment for 91 vacancies; See eligibility details here

National Bank for Agriculture and Rural Development (NABARD) is inviting applications for the post of 91 Assistant Managers in Grade ‘A’ (RDBS) in various disciplines. Candidates who are eligible to apply can submit their applications on their official website, before 10 July 2017. Important Dates: Submission of online application: 19.06.2017 to 10.07.2017


hase I online examination: August 2017  Post Name: Assistant Managers in Grade ‘A  No of vacancies: 91 Posts  Discipline wise vacancies:  General: 46 Posts Economics: 05 Posts Agriculture: 06 Posts Agriculture Engineering: 02 Posts Plantation & Horticulture: 04 Posts Animal Husbandry: 05 Posts Fisheries: 03 Posts Food Processing: 03 Posts Forestry: 03 Posts Environmental Engineering: 03 Posts Water Resource Development & Management: 04 Posts Social Work: 02 Posts Chartered Accountant: 03 Posts Company Secretary: 02 Posts  Eligibility criteria:  For General: Bachelor’s Degree in any subject from a recognized University with a minimum of 50% marks (SC/ST/PWD applicants 45%) in aggregate or Post Graduate degree with a minimum of 50% marks (SC/ST/PWD applicants 45%) in aggregate or Ph.D OR Chartered Accountant /Cost Accountant / Company Secretary with Bachelor’s degree OR Two year full time P.G. Diploma in Management / full time MBA degree from institutions recognized by GOI / UGC with Bachelor’s Degree in any discipline.  The age limit for candidates is 21 to 30 years as on 01.06.2017  The application fee for SC/ST candidates is Rs.150 and Rs.800 for all others candidates through the online payment facility available in the online application from 19.06.2017 to 10.07.2017.

7 Things To Keep In Mind While Financing Your Education

If you’re an aspiring graduate, or an experienced professional enrolling into a professional MBA program or higher studies, chances are you might need to fund your university education. It also might be one of the biggest financial decisions you make that will impact your earnings potential and financial goals in the long-term.

While securing educational loans has become pretty commonplace with all major financial institutions following standard practices in granting these loans, here are some tips to keep in mind before you sign up for one.


Finding funds

In India, most major financial institutions — from public banks to private institutions including NBFCs such as Credai — offer student loans. As per government mandate, banks can disburse up to Rs 4 lakhs without requiring collateral; anything above that amount typically requires a co-applicant and proof of security that will form the collateral backing the loan. Banks typically lend up to Rs 10 lakh for higher studies at Indian institutes and up to Rs 20 lakh for programs abroad.

You may also need to pay your bank 5 per cent of your loan amount in the form of margin money for domestic programs, and up to 15 per cent for studies abroad that typically require higher loan amounts.

While most banks follow a standard interest rates offering 1.35 to 3 percentage points above the Marginal Cost of Funds based Lending Rate (MCLR), some banks can give out cheaper interest rates depending on specific criteria. For instance, State Bank of India (SBI) has recently launched an 8.5 per cent interest rate on education loans for certain business schools such as Indian Institute of Management (IIM)-Ahmedabad and Indian School of Business-Hyderabad.

Unconventional avenues

There are also a number of emerging fin-tech players that have also begun offering loans to students with less onerous requirements than traditional banks. For example, P2P lending platform,, has teamed up with Bangalore-based micro-lending startups to offer student loans that require only part of the collateral. Another fin-tech startup Quiklo provides loans and financing to students to help them purchase study accessories including phones and laptops. Quiklo says its education finance platform will lend to students who have been declined loans in the past.

Govt push

To facilitate student loans, the Indian government’s Vidya Lakshmi Portal also provides a platform where people can apply and compare educational loans from different institutions. The website connects students with multiple banks, providing updates on the loan process and links to other government financial aid and scholarships. Of course, approaching your existing financial institution where you or your family already have a banking relationship, could make the process faster.

Use a loan calculator

It’s a good idea to use an online loan calculator to estimate how your repayment plan will look like along with details on expected EMIs. Most loans have a 5-7 year repayment period, but larger loans can offer longer repayment periods, depending on your financial institution. These loan calculators can also help assess the eligibility criteria for these loans.

Avoid the debt trap

Experts recommend paying down your student debt early before the interest rates compound prolonging your loan repayment. There are reports of some banks slapping interest rates even on the moratorium period– the grace period during which a loan does not become due which is usually six months after getting employment or one year after completing a course. Always factor in any processing fees or hidden penalties such as prepayment penalties or higher interest rates while signing up for loans that could compound overtime and eat away at your hard earned income.

Tax benefits

You can claim deductions on your annual taxes if you’re paying down student debt under the Section 80E of the I-T Act. These benefits will bring down your tax liability so it’s important to keep track of the necessary paperwork to claim these tax breaks on the interest payments. These tax deductions can be claimed by individuals as well as family members who are funding the education of their children or spouse.

Ask your employer

If you’re an experienced professional pursuing a part-time program, or taking a study leave, some employers can fund part of your higher studies. It’s a good idea to check with your employer on their employee education and training benefits programs before applying for expensive bank loans.

Surrey softball tourney raising funds this weekend for Kassandra Kaulius memorial scholarship

SURREY — Twenty-four women’s teams will play ball this weekend to raise money for a scholarship set up in memory of a Surrey woman who was killed by a drunk driver.

The fifth annual Kassandra Kaulius Memorial Softball Tournament will be at Softball City in South Surrey June 23-25, hosted by the Kaulius family and Surrey Storm Softball Association.

The 22-year-old aspiring teacher and pitcher for the Storm’s senior ladies team was heading home from playing a game of softball at Cloverdale Athletic Park on May 3, 2011 when a drunk motorist driving a van ran a red light and T-boned her car at 103 km/h., at 152nd Street and 64th Avenue.

Kassandra’s mom, Markita Kaulius, said the annual tournament is “bittersweet” because her family gets to see her daughter’s old teammates and swap stories but, she added, “We know how much she would have loved being there to play in this tournament herself.”

The tournament is now the largest senior women’s softball tournament in the province for ages 18 and up, she said.

“At the time of Kassandra’s death she was studying to become a teacher and it was her dream to make a difference and give back to others,” Kaulius said. To date, 21 scholarships have been given. That’s $15,000, all told.

“Our dream was to assist another young person in helping make their dream come true of pursuing a post-secondary education. It helps in our healing that in a small way Kassandra is still helping someone receive their education.”


RPSC 2nd Grade Admit Card Released, Exam Starts 30 June

RPSC admit card for 2nd Grade teacher exam has been released by the Rajasthan Public Service Commission. Earlier on April 26 & May 1, the Paper 1 (General Knowledge) was conducted by the Commission, while Paper 2 (subject-wise) was postponed. As the RPSC 2nd Grade Teacher exam starts June 30, the admit cards have been issued for all the applicants. The candidates can download RPSC 2nd Grade teacher admit card from the official website

Rajasthan Public Service Commission is conducting the recruitment examination for filling 6,468 posts of Senior Teachers (Grade-II). The posts are distributed among 8 subjects, namely, Hindi, Sanskrit, Mathematics, Urdu, Social Science, Science, English & Punjabi. Over 9 lakh applications were received by the Commission for these posts, hence the candidates were clubbed in two groups, based on the subjects.

The candidates who applied for Hindi, Sanskrit, Mathematics & Urdu are now Group 1 candidates, while the remaining belong to Group 2. The written examination was proposed to be conducted as two papers; Paper 1 (GK and Educational Psychology) and Paper 2 (subject specific). GK Paper was conducted by RPSC on April 26 and May 1 respectively for Group 1 & 2. As much as 3,99,691 candidates appeared in Group 1 exam and 4,47,925 appeared under Group 2. Check answer keys of GK Paper.

RPSC notified subject-wise exam date on May 1 according to which the 2nd Grade teacher exam was to held on June 28 & 30 and July 1 & 2. on June 7, the Commission further rescheduled the exam date for Urdu and Punjabi subjects. As per the revised schedule, RPSC will hold Mathematics and Sanskrit papers on June 30, Hindi & Science papers on July 1 and Social Science & English papers on July 2. Rajasthan 2nd Grade Teacher exam will be conducted in two sessions (9 am to 11.30 am and 3 pm to 5.30 pm) across all the district headquarters. Urdu and Punjabi papers will now be conducted on July 7 in online mode.

Exam Pattern: The competitive exam for the post of Senior Teacher will carry total 300 marks, distributed equally among 150 multiple choice questions. The questions will be broadly divided in three parts and the distribution of marks in each part will be as follows:

  1. Knowledge of Secondary and Senior Secondary Standard about relevant subject matter – 180 marks
  2. Knowledge of Graduation Standard about relevant subject matter – 80 marks
  3. Teaching methods of relevant subject – 40 marks

Each question will carry 2 marks which means Part 1 will have 90 questions, Part 2 will have 40 questions and there will be 20 questions in Part 3. Negative marking will also be applicable in the exam.

RPSC admit card, 2nd Grade teacher admit card is now available at the official website and two separate links have been provided for Group 1 & 2. The applicants can download their admit card by using the application ID and date of birth. On the exam day, the candidates must carry their valid admit card, 1 passport size photo and on original photo ID card.

Those candidates who will be appearing for more than one subject paper in a Group, will have to inform RPSC about the roll number by which they had taken GK Paper 1 so that the marks obtained in GK Paper can be added to the subject paper marks for selection purposes.


Volkswagen To Offer 19 SUVs Worldwide By 2020

Volkswagen has been at looking at streamlining its product portfolio across the globe and now we see it usher in a new generation of cars altogether. The new generation of the Polo hatchback was recently unveiled in Berlin with a public debut expected at the Frankfurt Motor Show. It was at this event that Dr. Herbert Diess, Chairman of the Volkswagen Brand Board of Management talked about some of the future products that Volkswagen are expected to bring to the table.

volkswagen atlas

The focus of the company will now shift to making SUVs and that focus has been shifted thanks to global trends. The company currently offers 4 SUVs across global markets – Tiguan, Touareg, Atlas and the Tiguan AllSpace. Sadly India gets only one of these – the Tiguan but there are more coming our way. We’ve already said that SUVs are a global trend and Volkswagen is getting on the bandwagon. According to Diess, “Volkswagen will be looking to take the tally of its SUVs to 19 by 2020and it’ll all start with the T-Roc which will be launched later this year.”

volkswagen t roc concept front quarter

From a portfolio of 4, Volkswagen plans to expand it to 19 in just 3 years and that’s ambitious for sure.  Diess explains that by 2020, 40 per cent of the market offering from the Volkswagen stable will be SUVs. The T-Roc will be the first among the others to hit the market.The VW T-Roc will join the line-up below  the Tiguan. It will be based on the versatile MQB platform and Volkswagen target audience are customers who want practicality and a raised ride height. Expect the petrol and diesel engines to be similar to the ones in the Golf. So, a 113bhp 1.0-litre turbocharged petrol, 1.5-litre TSI Evo petrol, and 1.6-litre & 2.0-litre diesel engines. Likely to be offered with front- and four-wheel drive, the VW T-ROC’s choice of gearboxes will include a six-speed manual and seven-speed DSG automatic.The Volkswagen T-Roc will be launched globally this year

We can’t wait to know what cars Volkswagen has in store for India and considering that our country is taking a liking to SUVs and in fact the segment is doing very well. This would certainly be an opportune time to get some cars to India and the Tiguan is a good beginning. Considering that the T-Roc will prove to be expensive to make in India (as we’ve already told you about the new-gen Polo) but we wait for Volkswagen to do the math and well, bring the car here.


Volvo Cars Relaunches Polestar As Standalone Electric Car Brand

Geely-owned automaker Volvo Cars will make its Polestar Performance business a standalone brand within the group, focusing on electric cars, the company said on Wednesday.

Polestar, bought by Volvo in 2015, will produce own-brand vehicles while continuing to deliver high-performance upgrades to the Volvo range.


The new offering will be mainly electric vehicles, aimed at competing with Tesla and the Mercedes AMG division on battery supercars, Volvo said.

“Polestar will be a credible competitor in the emerging global market for high-performance electrified cars,” it said.

Major markets are likely to include China and the United States.