Sunday, June 19, 2011

10:35 AM

Intricately designed platinum earrings for engagements and weddings


Description
Intricately designed platinum earrings symbolising facets of water, gleaming with diamond drops with satin finish and laser cut forms (platinum wt:5.8gms; diamond wt;0.15cts)
Price range
Rs 30000 - 60000

Description
Platinum petals earrings with pave set diamonds in a hi-polish finish
Price range
Rs 30000 - 60000

Description
Platinum twin circle earrings studded with pave and prong set diamonds
Price range
Rs 30000 - 60000

Description
A dangling earring set crafted in platinum into delicate floral form, holding prong set diamonds (platinum wt:10.14gms; diamond wt;0.50cts)
Price range
Rs 60000 - 1 Lac

Description
Very delicate and fine lines of platinum in gracious curves with a glittering drop of diamonds so delicately set (platinum wt:7.29gms; diamond wt;0.18cts)
Price range
Rs 30000 - 60000

Description
Platinum danglers studded with pave set diamonds
Price range
Rs 30000 - 60000

Description
Platinum flower earrings with prong set diamonds in a hi-polish finish
Price range
Rs 30000 - 60000







10:32 AM

Platinum oval bangle with leaves holding prong set diamond flowers for wedding and engagements



Description
Platinum oval leaf bangle studded with 45 diamonds
Price range
Rs 60000 - 1 Lac

Description
Platinum studded oval bangle with diamond circles highighted with prong and pave setting
Price range
Rs 1 Lac - 2 Lac

Description
Platinum oval bangle with a textured leaf, studded with pave set diamonds
Price range
Rs 1 Lac - 2 Lac

Description
Platinumoval bangle with leaves holding prong set diamond flowers
Price range
Rs 1 Lac - 2 Lac

Description
Platinum oval bangle with diamond lines
Price range
Rs 1 Lac - 2 Lac

Description
Platinum diamond studded oval bangle in a hi-polish finish
Price range
Rs 60000 - 1 Lac







10:28 AM

Platinum solitaire ring with diamonds for Wedding and Engagements

Platinum solitaire ring with diamonds 
for Wedding and Engagements
Description
Platinum textured band wth micro prong-set diamonds
Price range
Rs 30000 - 60000

Description
Platinum textured leaf ring with a studded string of diamonds
Price range
Rs 30000 - 60000

Description
Platinum solitares studded with prong set and channel set diamonds
Price range
Rs 60000 - 1 Lac

Description
Platinum men's ring engraved and studded
Price range
Rs 60000 - 1 Lac

Description
Platinum soliatire rings with prong set diamonds
Price range
Rs 60000 - 1 Lac

Description
Platinum solitaire ring holding a 0.99ct diamond in a prong setting
Price range
Rs 2 Lac - 3 Lac

Description
Platinum solitaire ring with a 0.17ct diamond
Price range
< Rs 30000






10:23 AM

Platinum Rings Designs for Engagements and Wedding

Platinum Rings Designs for Engagements and Wedding
 
 
Description
Platinum solitaire ring with a 1.2ct diamond in hi-polish finish
Price range
Rs 2 Lac - 3 Lac

Description
Single diamond studded platinum ring
Price range
Rs 60000 - 1 Lac


Description
Platinum solitaire ring in hi-polish finish
Price range
Rs 30000 - 60000

Description
Platinum solitaire diamond ring with channel set circle of diamonds
Price range
Rs 60000 - 1 Lac

Description
Platinum textured men's ring with flush set diamonds in a matt finish
Price range
Rs 60000 - 1 Lac

Description
Prong set platinum solitaire ring complimented with channel set diamonds on the sides.
Price range
Rs 60000 - 1 Lac

Description
Platinum solitaire in caterdral setting with diamond wave on the side
Price range
Rs 60000 - 1 Lac

Friday, June 10, 2011

11:41 PM

Vidya Balan's gorgeous looks

Vidya Balan's gorgeous looks

She seduces with her gaze and then puts a gun to the head of her two lovers.
With 'Ishqiya' Vidya Balan breaks away from her squeaky-clean image and the actress says that she thoroughly enjoyed playing the "sexually aggressive" bad girl.
Balan debuted as the coy Bengali belle Lolita in Parineeta and the image stuck to her, but the actress says that her turn as a conniving, foul-mouthed temptress in the film by debutante director Abhishek Choubey will be a shocker.
"I know it's going to shock people but I thoroughly enjoyed playing the bad girl in the film. It is the kind of role that I have wanted for a long time and the fact that I was the first choice for it was a surprise for me too. There is a underlined sexual aggressiveness about the character and she speaks her mind," Balan said.
The film, set in a small hamlet in UP, will see the actress romancing funnyman Arshad Warsi and veteran Naseeruddin Shah who play bandits on the run.
The 31-year-old actress said that much to her own surprise she slipped into the role quickly, despite the initial apprehensions.
"There is plenty of abusive language and innuendo in the film but I am an actor who spends a lot of time with the director before shooting begins. So the inhibitions were done away with during the early readings and when the camera rolls the 'sharam' goes out of the window," said the actress.
While she may be romancing Shah in the Vishal Bhardwaj production, the actress plays mother to megastar Amitabh Bachchan, 63, in her other upcoming project Paa.
"Initially I just could not believe that it was happening, I am playing mother to Amitabh Bachchan. It was surreal, but then it became addictive because Mr Bachchan is so convincing as the 13-year-old Auro. I could connect with him as Auro's mother," said Balan.
The actress who was at the receiving end of many barbed comments over her weight, will debut her new svelte self on-screen with the film which releases on December 4.
"Yes I received plenty of bad comments because of the weight. And I will have to say that no one likes criticism. But I also realised that I myself had become lackadaisical about it and I wanted to push myself. I feel healthier now," said the actress.
Balan who has often been trashed for her fashion choices in the past returns to an 'ethnic Indian' look in the two films. While in 'Paa' she will be seen wearing her signature anarkali suits and cotton sarees, her look in Ishqiya is a lot less polished but more sensual.
The actress who refused to budge from her signature style despite the criticism said that she does not equate skin show with style.
"I did not lose weight to wear revealing clothes. I have a personal style and I do wear western clothes. When not working I am either wearing jeans or track suits. On-screen I wear the clothes that go with my character," said Balan.





11:33 PM

Mumbai1

PPllaayy
THEATRE
FILMS
GIGS
Friday
The Vagina
Monologues, the
award winning play
written after
interviewing 200 women
from all over the
world. Prithvi Theatre,
Juhu. 5.30 pm and
7.30pm. Call 26149546
Saturday
Kyun Kyun Ladki, a
play
that explores
how often children ask
questions and get
answers
from adults.
Prithvi Theatre, 4 pm
onwards. Call
26149546.
Punch
A Tantra,
inspired by
fascinating fables from
Indian Folklore,
promises
a children’s
theatrical adventure.
The Comedy Store. 12
pm
Saturday
Landing on Alpha 46,
a short film by
astronaut Yuri Lennon.
Screened at the World’s
Largest Education
College, Andheri West.
6.30 pm. Call 42141414
Cartography - the Pool,
by Phillipe Saire.
Screened at the World’s
Largest Education
College, Andheri West.
6.30 pm.
Call 42141414
Sunday
Le Petit
Soldat, a
French
film directed
by Jean-Luc Godard
about a young
Frenchman during the
Algerian
war. Metro Big
Cinemas
Dhobi Talao. 10
am. Call 42141414
Friday
Miss Nine, Europe’s
most acclaimed
female DJ performs in
India for the first time,
as a part of her Asia
tour. CAtch her at Blue
Frog. 10.30 pm to
1.30am
Saturday
Tribute to the King of
Rock ‘n’ Roll , Elvis
Presley by Garry Lawyer.
Little Theatre, NCPA. 7
pm onwards.
Sunday
Live ghazal concert by
music
maestro
Pankaj Udhas at Shiva
Swamy hall, Chembur
(E), 7.30
pm onwards.
Call 25221504,
25291201
The 1958 Collection by
Hush Puppies showcases
Time Zone — that allow
you to stay connected
with all time zones
around the globe.
Check out the His &
Sunday
Try the Monsoon Special Lunch
Buffet at Destiny - The Paradise by
Tunga, Andheri (E). Sample a buffet
starting with Cheese Pudina Aloo
Crouquettes and Chicken Kalamari
Kebab, following with the main course
dishes like Veg Green Thai Curry and
Prawns Curry to desserts ranging from
Fresh fruit salad and Chum Chum to
name a few. Call 67898900.
Olive Bar & Kitchen, Bandra,
introduces new additions to the
menu this season including Wine Cured
Grape and Goat Cheese Salad, Kingfish
Espetada, Pork Roulade, Duo of Duck
and eight hour lamb and five minutes
polenta. Call 43408228.
Monday
Mainland China presents The
Longevity Festival with Chinese
cuisine that borrows from the ancient
wisdom of healthy living. Try steamed
and lightly cooked delicacies, with
wolfberry, ginseng, mushrooms and
more. Call 9324269076.
Friday Indulge in some delicious Mango delicacies
at The Square, Novotel Mumbai, Juhu Beach,
which brings to you the Mango Mania food
carnival this Monsoon. Tickle your taste buds
with Assorted Lettuce Salad with Asian
Shallot; desserts like Spiced Mango with Milk
chocolate Mousse, Coconut Panacotta with
Mango Couli, Mango Apple Smoothie and
more. Call 66934444.
Godrej Nature’s Basket now offers cheese
and meat platters at an attractive range
starting below Rs 500. The cheese platters
pair crackers and fresh fruit with firm Gouda
with olive and tomato cheese, Smoked cheese
with black pepper and more.
Saturday
Zenzi, Bandra, has introduced a New Sushi
Menu that offers a wide range of authentic
and west coast sushi like Sumo Roll, Tokyo
Roll, California Roll and more. Ingredients
like cream cheese, asparagus, balsamico
dressings (western) with Japanese sea weed
paper, rice etc are used to give an incredible
experience. Call 66430670.
Indulge
Play
EAT
STYLE
GET YOUR FILL OF THE DEALS AND STEALS ACROSS THE CITY
Saturday
My Daddy Strongest, a
health workshop
conducted by Dr. Vandana
Mathur. On the occasion of
Father’s Day on June 19, Dr.
Vandana indulges in a free
talk with kids and parents at
Health Education Library for
People at 3.30 pm. Call
9819245308
Saturday
Pradarshak, Khar,
presents Horses — solo
exhibition of charcoal on
paper by Rajendra Poudel.
Call 26462681.
Sunday
Nehru Centre Art Gallery,
Worli, presents a solo
show by Sanjay Kumar Mal.
An exhibition of figurative
compositions in acrylic on
canvas. Call 24964676.
Saturday
Learn the classic dance of
Salsa at The Dance
Factory, Tardeo, with Vineet
Bangera and Sahiba
Sawhney. Call 9820097833
Nilesh Singha, recepient
of the National Cultural
Scholarship and the Vishnu
Digambar Paluskar award,
perform at Little Theatre,
NCPA, Nariman Point. Call
66223737.
Live
WORKSHOP
DANCE
ART
DEALS
OF THE
WEEK
1st
Anniversary
celebrations
introducing
Hydra Facial
at Rs 1,500
off, at Sakasti
Skinic, at
Waterfield
Road, Bandra,
till June 26.
Call
25806363.
What:
Special Summer Offers
Where:
Angdai Spa, Le Sutra. Call 32511447
Deal:
Avail two therapies at the price of one.
Choose a massage and get one complimentary.
Go for any other treatment and
pamper yourself with a massage of your
choice at 75 per cent of the cost
What:
Home furnishings offers
Where:
Home Stop, Malad. Call 9920075762
Deal:
Refresh your home with exciting offers
from Portico, NY, at Home Stop.
The 1958 Collection by
Hush Puppies showcases
the original style themes
from the 1950s, like
brogues with prominent
thick thread weaving lines,
suede loafers with tassels
and casual slip on shoes
with contrast soles and
laces. The collection is
priced between Rs 3,600
to Rs 4,900 and available
at all Hush Puppies and
major Bata stores across
the country.
Check out the monsoon
collection at Burberry,
Palladium. PIck up bags,
Wellingtoon boots, thonged
slippers and umbrellas from
Burberry Monsoon
Collection 2011. The boots
are unisex and can be used
both by men and women.
A. Lange & Söhne has
crafted two cosmopolitan
timepieces — he Saxonia
Dual Time and the Lange 1
Time Zone — that allow
you to stay connected
with all time zones
around the globe.
Check out the His &
Her Collection by
Emporio Armani and
Michael Kors
that
comprises of
intricately designed
stainless steel
chronographs in a
sleek
polished finish; each with a
distinct essence of luxury.
Try on the latest Sight
Glasses from John
Galliano brought to you
exclusively from Eternity
Lifestyles.
Get the latest collection of
OPIUM Eyewear that
takes us back in time to a
fashion era. Try on the
Bumble Bee collection.
HyperCITY launches
colourful, trendy and
comfortable monsoon
gear this season.
Choose from a vibrant
range of umbrellas,
windcheaters, raincoats,
ballerinas, flat chappals and
gumboots.
STYLE
ITC’s
Wills
Lifestyle announces
the launch of their
trendy summer collection.
Bringing colour to the
summer, Wills Lifestyle
introduces a collection that
features summery holiday
fashion highlighting
organic and eco
styles.
11:27 PM

OCI can give power of attorney for property sale

OCI can give power of attorney for property sale

I am a US citizen with OCI status. I am purchasing a flat in Hyderabad for my parents. This property will be sold at the same price to my parents when they have funds available in 2-3 years. As I will be selling to my parents I do not want to make a profit on the flat. The fund to pay for the flat is being paid by me through my savings in the USA.
As per RBI regulations, I understand that the principal amount is repatriable back to USA. My questions are:
1) Do I have to pay any tax on the principal amount in India if I do not make any profit?
2) Do I have to pay any tax on the repatriated principal amount if I do not make any profit?
3) Can I repatriate the profit amount if I make any? Is the profit amount taxable in India?
4) I am using remit2india facility to transfer money from US savings bank account to the builder's account in India. Does this qualify as proper procedure so that I will not have any issues while repatriating in US dollar? I ask this since remit2india is not a regular bank.

The price for any property sale will be taken as the higher of the actual selling price or the price as per the stamp duty valuation. This rule has been put in place to prevent intentional undervaluation of property transactions to evade tax. So when you sell the property to your parents, it will be have to be done at least at the value adopted for stamp duty purposes existing at that time. If this results in a profit, you will be liable for capital gains tax.
Here too, if you hold the property for over three years, the resultant profit will be taxed as long-term capital gains. Any lesser holding period will entail payment of short-term capital gains tax. The tax on long-term capital gains at 20% after reducing indexed cost is much lower than that applicable to short-term capital gains which are basically taxed at slab rates applicable. Therefore, it would be advisable to sell the property after three years instead of two.
You are free to repatriate the net gains after paying or providing for due taxes. Though you may use any money transfer facility for payment for the property, it would be best if you could open an NRE account in India, transfer the funds from your US bank account to this account and then issue a cheque therefrom. This will enable you to maintain a clear audit trail and record in case there is any requirement to produce the same later on.
11:26 PM

Managing finances is critical for women

Managing finances is critical for women
If a woman handles her own finances she would be well prepared to handle money matters individually if the need arises

Women need to handle their finances differently from men. Because of the differences in earning patterns and priorities that women set for themselves their finances should be managed in a different manner. The basic goals of personal finance remain the same, i.e.
l Ability to meet daily expenses and lead a quality life
l Provide for emergencies and unplanned expenses and
l Savings for life after retirement
However, the ways in which men and women achieve these goals are different. While men earn money uninterrupted throughout their working lives, women often need to take a break, especially when they have children. Other reasons like orthodox family background, change in location after marriage, change in spouse's job location, household responsibilities, etc force women to put their career on the back burner. We have the much debated case of Sudha Murthy, wife of Narayana Murthy, founder of Infosys. The couple was instrumental in building the Infosys dream. As the business started taking shape, they decided that one person was required to take care of their home and family. Sudha Murthy gladly stepped aside to be the homemaker and let her husband fulfill their dream. Cases of women going abroad on dependent visa with their husbands are not uncommon.
So, if a woman earning `50,000 per month takes a five year break from her job because she wants to be at home with her child, her earnings and thus savings take a hit of `30 lakh. We have not yet considered any increment in her salary. If we consider that her salary increment is 20% each year, her loss of earnings will come to `44.65 lakh. That's a big number. Also, when she resumes work, she may have to compromise on the job profile, position and hence salary. Therefore, the percentage of savings should be higher for women during their working life.
Besides, the life expectancy of women is higher than men. So, the amount of retirement savings for women should also be higher. Statistics show that, on an average, women live five years longer than men, earn 25% less during their life time and work 11 years less in their careers.
Separate personal plan
It is important that women have a separate personal finance plan from her family. With changing times the need for separate finances too has increased. The rise in divorce rates is alarming. The surety of life is also lower with increase in accidents and stress-related ailments. If a woman handles her own finances she would be well prepared to handle money matters individually if the need arises. Knowledge of different investment avenues, savings and expenses is important to run a family. A separate personal finance portfolio will prepare a woman to face financial challenges. Also, she will not have to bear a monetary loss in the event of a divorce.
Products and benefits
There are many products that are created for women. For example, insurance companies have special policies for women. The country's banking system has several products launched for the female audience (see first table).
A personal finance plan for women should include the following:
l Regular income. Even when women take a break from their careers, it is a good idea to earn income from working a few hours a day. Taking tuitions, teaching a hobby, etc are common ways to earn a regular income even when one is not working full time.
l Keep an emergency fund. Do not touch it unless it is a real emergency.
l Save and invest as much as you can. Invest in high return investments. Some part of the savings should go into stocks and mutual funds as they have high earning potential. Look for women-oriented products.
l Time your investments for known expenses likes children's education or marriages.
l Demarcate clear boundaries with your spouse for routine expenses. It will be easier to determine personal monthly expenses and hence monthly savings.
l Track your savings and investments regularly.
l Have a financial plan. Save as much as you can at an early age when you have limited responsibility.
Assuming you plan to save 50% of your income every month and wish to invest in different investment products, you could compartmentalise your investment into various risk categories (see secondtable).
You can change the portfolio as per your risk appetite. Life insurance is a must. However, it is advisable that you set aside the money for making premium payments even when you are not working.
The writer is CEO, BankBazaar.com, an online marketplace for personal, home and car loans
11:25 PM

Does HSBC's home loan pay-back offer work for you?

Does HSBC's home loan pay-back offer work for you?
The scheme looks lucrative as the bank promises to pay back 50% of interest paid, on the 12th, 24th and 36th equated monthly installments

Thirty-seven-year-old Shailesh Parekh (name changed) is married, with one daughter, and currently living with his parents. However, he is looking at buying his own house for investment purpose.
While scanning through various bank rates, a friend informed him about HSBC's 'pay-back offer', which will close on July 31, 2011.
Parekh is in a predicament whether he should go with the scheme, because the scheme has its pros and cons.
According to statistics from India Online, around 65% of the population is below 35 years. This means the working population is increasing and so is their spending capacity. This can be substantiated, if we take a look at State Bank of India (SBI) and HDFCs home loan portfolio. At the end of March, SBI's retail home loan portfolio grew 22%, standing at `86,769 crore, while HDFC grew 27%, now at `85,649 crore.
In today's rising interest rate scenario, HSBC's scheme looks lucrative, as the bank is promising to pay back 50% of the interest paid, on the 12th, 24th and 36th equated monthly installments (EMI). So, if the interest on your 12th EMI is `50,000, you get `25,000 back.
The rates offered by HSBC are competitive compared with SBI's. HSBC India offers a 10.75% rate for a loan above `75 lakh, which is lower than State Bank of India's 11% for the same value.
While taking loan, one should consider the prepayment penalty also. HSBC charges a prepayment fee that can be as high as 3% or even 0%, depending on the relationship the customer shares with the bank. But a 3% penalty sounds higher, against the industry average rate of 2% if more than 25% of the loan amount is prepaid at a time.
"These are marketing gimmicks and a person should rather see what the effective cost of the loan is. If the effective cost is lesser than others it makes sense to take the loan. But while taking a loan, one should consider factors such as pre-payment possibility without penalty. This is very useful for many, as many want to prepay and finish off their liability as soon as possible," says Suresh Sadagopan, who runs Ladder 7 Financial Advisory Services.
The only condition is the borrower must have a savings or current account with HSBC Bank, as they will credit the refund to this account. "We offer free savings accounts to our mortgage customers and there is no minimum balance stipulation for this account nor any balance related charges are levied on this account," says Manish Sinha, head- consumer assets, HSBC India.
HSBC will finance properties that are either under construction or ready for possession. "But the condition is that the loan is given to only those customers buying it from HSBC's list of approved properties. In case the property is unapproved by HSBC and the customer still wishes to take loan then, the bank evaluates and sanctions the loan only if it fits their bill," added Sinha of HSBC India.
HSBC usually charges `10,000 flat as processing fee, but taking into consideration the length and breadth of the customer, the bank may waive this off as well many a times. The special offer is valid on floating rate home loans, but is not valid on smart home and Smart LAP (loan against property) schemes of the bank.
But the question of tax remains unclear, whether the refund amount will be liable for income tax. "Ideally if the person takes advantage of this scheme, then the 50% sum returned to him should be adjusted against the interest paid by that person to HSBC India and it should not be treated as an income," added Sadagopan.
"But the fact remains that it is a very simple and attractive scheme. "This will drop your effective interest rate to 10.84% from 11%. It is unclear on what happens if the interest falls or rises during the first 36 months (though it looks like the interest component based on the latest rate as applicable for the 12th, 24th and 36th installments is applicable).
Also, hopefully the agreement has no clause to take back the credit of this interest already given in case you default after the 36 months," says Harsh Roongta, CEO Apnapaisa.com.
11:18 PM

He went Fida over tea, the tea-stall got lucky

Sometime in late 1950's a barefoot artist with long flowing beard would suddenly appear at a popular tea shack located opposite Ahmedabad's landmark Sidi-Saiyed-ni-jali. He would spend hours sipping tea and chatting with people amid the graves that dotted the roadside shack floor.
On November 25, 2004, the regular tea-sipper though not as young but now an internationally acclaimed celebrity painter MF Husain, walked in to the same grave-dotted tea-joint now metamorphosed into thriving restaurant and known as "Lucky Tea Stall".
The relationship that started in 1950s during Husain's visits to the Saraspur Grave Yard to pay homage to his ancestors reached a climax on that night as Husain gave a specially made painting to the shop owner.


City-based art dealer and Husain's friend Anil Relia, says: "He made the painting in my house; I had accompanied him when he gifted the painting to Lucky's owner."
After Mohammadbhai passed away, the stall was ran by Kutti Nayar, who kept his promise to Mohammadbhai that he will never sell the painting. "It's a gift from an old friend," says Nayar. As a customer who never missed an opportunity to have a cup of tea accompanied with bun-muska.
"I have been working here since 1970 and was then introduced to Husain saab by our late first owner, KH Mohammad. They were the closest pals I had ever seen. Back then, Husain saab, like any other customer would sip tea and relish his bun-muska sitting on the wooden bench in front of the counter over the graves," Lucky Tea Stall manager Siddiqui Ansari (60) recalled.
Ansari added, "He would come bare foot to our stall, sip tea, have his snacks, and if people recognised him and approached him to chat up, he would do that too. In the four decades that Husain saab visited Ahmedabad, he never missed a chance to visit us. If required the tea would be parcelled to his hotel room if he could not make it owing to other commitments."
Having seen three generations of the Lucky family, Husain could not refuse the then owner, who had asked him to paint something for his walls. "He gifted this painting made on November 25, 2004, to our owner KH Mohammad at 11.30 in the night. He apparently also showed him on where to set it up and that is how we have the master artist's one of the master pieces. As a memory we have clicked many pictures of him with staff members," Ansari recollected.
Husain would generally visit Lucky in the morning and was very people-friendly, claims Ansari and other old staff members. "There were two things I remember quite distinctly about him, he never gave an autograph on a currency note and would also refuse to sketch anyone's portrait even if requested. I guess he did not like that," Ansari concluded.
While one of his forefathers was buried in Ahmedabad, in a graveyard in Saraspur, his mother hailed from Sidhpur. Husain had also developed his 'mazhabi taleem' from Baroda on insistence of his father.
• The painting is 3 feet x 3 feet
• The waiters, who sleep in the stall, take care of the security of the painting
• The painting depicts a scene from the Arabian Nights. There are two camels and a castle-like construction in the foreground, and a desert in the backdrop. Relia says: "The painting reminds of an oasis in the desert. I think Husain must have found Lucky Tea Stall like an oasis of peace."
(With inputs from Kinjal Desai)