JJ Valaya is widely regarded as being one of the founding fathers of Indian fashion. Courtesy JJ Valaya
JJ Valaya is widely regarded as being one of the founding fathers of Indian fashion. Courtesy JJ Valaya
JJ Valaya is widely regarded as being one of the founding fathers of Indian fashion. Courtesy JJ Valaya
JJ Valaya is widely regarded as being one of the founding fathers of Indian fashion. Courtesy JJ Valaya

Why designer J J Valaya took a two-year sabbatical from fashion: 'Everybody was doing the same thing'


Selina Denman
  • English
  • Arabic

While he didn't know it at the time, J J Valaya's two-year hiatus from the world of fashion was, in many ways, a pre-emptive strike. In 2017, after 25 years in the industry, the Delhi designer decided to take a step back to try to shake off a growing sense of ennui.

I thought that everybody was doing the same thing and they were not doing it well

"I thought that everybody was doing the same thing and they were not doing it well," Valaya, who is widely regarded as one of the founding fathers of Indian fashion, tells The National. "Quality was suffering and it was boring. I remember sitting at a couture week two and a half years back, and looking at the clothes and thinking: 'What happened to the magic of fashion?'"

"I thought it was boring. And I suspected that I was fitting into that mould as well," says the designer, displaying a level of self-awareness that is generally lacking in the upper echelons of the fashion industry.

“There is too much focus on the money,” he says of the industry at large. “Where do we get it; how do we get it; when do we get it? And I think those three things kill the very spirit of creativity.”

He took time off to reassess his priorities – something he believes many of his peers are now also being forced to do as a result of the pandemic. And so he is – as he has been for the best part of three decades – once again ahead of the curve. "A friend of mine made a very good statement once. He said that the world is a rat race, but the rats aren't winning. After my sabbatical, I decided that I wasn't going to run the rat race any more, because it's futile," he says.

After a two-year sabbatical, J J Valaya says he 'wants to take luxury to the nth degree'. Courtesy J J Valaya
After a two-year sabbatical, J J Valaya says he 'wants to take luxury to the nth degree'. Courtesy J J Valaya

"We decided that we wanted to take luxury to the nth level, which is what we are working on currently. I want to do luxury, I want to do it well and I want to continue doing what I believe in, which is sustainability. I have brides from 26 years ago coming to us with their daughters, who want their mother's clothes altered to their size. And you put the clothes on and they look like they were made yesterday.

“So the brand has already been practising sustainability for a long time. Fashion is going to slow down. There is already talk of seasons disappearing and there being only two primary seasons, with time to make good-quality clothes that you can use, enjoy and pass on.”

As part of Valaya's renewed vigour, he launched an e-commerce site on August 27, in an effort to further connect with the brand's sizeable client base outside Delhi and outside India. Although his creations need to be seen, touched and worn so that the craftsmanship and level of detailing can be fully appreciated, Valaya feels confident that the team have been able to create a suitably immersive online experience.

The site tells Valaya’s story as a pioneer of Indian fashion, and showcases his latest collections, including Tabriz, a stunning ode to Persian art and culture from the 16th to 19th centuries that marked the designer’s return to the industry when it was unveiled last year.

The site also embraces the made-to-measure, bespoke experience that is so integral to Indian couture, through initiatives such as Ika, a DIY jacket that is a more accessible "sibling" to Valaya's signature Alika jacket, which was launched in 2010 and has been a firm favourite ever since. Through the website, customers can create their own personalised, reversible Ika jackets, by selecting their preferred fabrics, embroideries, prints and finishes.

Customers can create their own personalised, reversible Ika jackets through the new J J Valaya website. Courtesy J J Valaya
Customers can create their own personalised, reversible Ika jackets through the new J J Valaya website. Courtesy J J Valaya

This personalised, made-to-order approach is the future of high-end fashion, Valaya says. “I think that’s the only way luxury will survive. At least for Indian luxury, what customers like is that we can do bespoke to the nth degree. And we are not French couture, so you are not paying an astronomical amount for something that is personalised to you.

"The strength that we have in India is we have access to craftsmen who can put something together in a matter of months and we have access to people who are experts in making sure every nip and tuck is done properly to make it fit right. Indian couture has always survived on bespoke and made-to-measure. So for luxury, that is definitely going to be the future, but in India it is also the present, and it has been the past as well."

J J Valaya is committed to creating clothes that are culturally authentic. Courtesy J J Valaya
J J Valaya is committed to creating clothes that are culturally authentic. Courtesy J J Valaya

Next on the cards for the designer is World of J J Valaya, which he describes as "the most beautiful space for fashion and home luxury in India". The flagship in Delhi was due to launch last month, but has been pushed back to early next year. And then, in the next two to three years, Valaya may look at introducing a "bridge to luxury" brand, he says, using Miu Miu, Prada's more accessible offshoot, as an example. "If we are talking about taking the game to the next level, I think most luxury brands will have to look at a bridge to luxury route," he says.

India's fashion scene has evolved beyond recognition since Valaya started out. "When we started, three decades ago, there was no customer," he says. "We started at a time when there was one fashion institute in the country, which used to prepare 20 designers to come out. There were no magazines writing about fashion; there were no newspapers covering it. India had one TV channel, which only understood agriculture; the internet did not exist."

We've been part of the process. We had no benchmarks to follow; we learned from our mistakes

"Cut to now. We have the world in the palm of our hand. We have fashion weeks and I don't know how many fashion institutes. The Fashion Design Council of India was literally conceived by six or seven of us sitting in our offices and today is the most respectable fashion body in the country.

"We've been part of the process. We had no benchmarks to follow; we learnt from our mistakes. So we've gone from an era when people used to buy fabric and go to a tailor, to actually coming into stores, spending time and understanding that it's not about clothes but it's about the ethos of a brand that they connect with."

The J J Valaya ethos remains rooted in creating clothes that are culturally authentic – he coined the term “royal nomad” to describe his aesthetic, which has a regal bearing, but also draws on cultural influences from around the world. As seen in his Chevron collection, he is also partial to Art Deco styling – but even though he drew his inspiration for this collection from old Rajasthani architecture, he manages to make it feel fresh and relevant.

J J Valaya's aesthetic is inspired by Art Deco styling, as seen in the Chevron collection. Courtesy J J Valaya
J J Valaya's aesthetic is inspired by Art Deco styling, as seen in the Chevron collection. Courtesy J J Valaya

Valaya has been vocal about the perils of young Indian designers hoping to make their name by creating western-style clothing. "As designers, it is very important that we stay connected to our roots. My problem starts here with the design institutes in India. I always say: 'If you are keeping a young person with you for four years and out of that, you spend three and a half years teaching them about western clothes, and then for three or four months, you introduce a module for Indian clothes, how does that make sense. What are you telling that person? What are you preparing them for? Would that happen in Italy? Or France? Where they teach Indian clothes for three years and then western clothes for a few months?

“The world has shrunk. Anyone who wants good western clothes can get them from a good western designer. If you want a gown, go to Italy or go to France, or go to South-East Asia, even. The point is, why don’t we explore what we are brilliant at, and take that to the next level?”

Specs

Engine: Dual-motor all-wheel-drive electric

Range: Up to 610km

Power: 905hp

Torque: 985Nm

Price: From Dh439,000

Available: Now

The National's picks

4.35pm: Tilal Al Khalediah
5.10pm: Continous
5.45pm: Raging Torrent
6.20pm: West Acre
7pm: Flood Zone
7.40pm: Straight No Chaser
8.15pm: Romantic Warrior
8.50pm: Calandogan
9.30pm: Forever Young

Meatless Days
Sara Suleri, with an introduction by Kamila Shamsie
​​​​​​​Penguin 

While you're here ...

Damien McElroy: What happens to Brexit?

Con Coughlin: Could the virus break the EU?

Andrea Matteo Fontana: Europe to emerge stronger

Company profile

Name: Infinite8

Based: Dubai

Launch year: 2017

Number of employees: 90

Sector: Online gaming industry

Funding: $1.2m from a UAE angel investor

How tumultuous protests grew
  • A fuel tax protest by French drivers appealed to wider anti-government sentiment
  • Unlike previous French demonstrations there was no trade union or organised movement involved 
  • Demonstrators responded to online petitions and flooded squares to block traffic
  • At its height there were almost 300,000 on the streets in support
  • Named after the high visibility jackets that drivers must keep in cars 
  • Clashes soon turned violent as thousands fought with police at cordons
  • An estimated two dozen people lost eyes and many others were admitted to hospital 
While you're here
Profile of Hala Insurance

Date Started: September 2018

Founders: Walid and Karim Dib

Based: Abu Dhabi

Employees: Nine

Amount raised: $1.2 million

Funders: Oman Technology Fund, AB Accelerator, 500 Startups, private backers

 

The Dictionary of Animal Languages
Heidi Sopinka
​​​​​​​Scribe

MATCH INFO

Manchester City 4 (Gundogan 8' (P), Bernardo Silva 19', Jesus 72', 75')

Fulham 0

Red cards: Tim Ream (Fulham)

Man of the Match: Gabriel Jesus (Manchester City)

How to help

Send “thenational” to the following numbers or call the hotline on: 0502955999
2289 – Dh10
2252 – Dh 50
6025 – Dh20
6027 – Dh 100
6026 – Dh 200

PAKISTAN SQUAD

Pakistan - Sarfraz Ahmed (captain), Azhar Ali, Fakhar Zaman, Imam-ul-Haq, Babar Azam, Shoaib Malik, Mohammad Hafeez, Haris Sohail, Faheem Ashraf, Shadab Khan, Mohammad Nawaz, Mohammad Amir, Hasan Ali, Aamer Yamin, Rumman Raees.

THE BIO:

Sabri Razouk, 74

Athlete and fitness trainer 

Married, father of six

Favourite exercise: Bench press

Must-eat weekly meal: Steak with beans, carrots, broccoli, crust and corn

Power drink: A glass of yoghurt

Role model: Any good man

SQUADS

South Africa:
JP Duminy (capt), Hashim Amla, Farhaan Behardien, Quinton de Kock (wkt), AB de Villiers, Robbie Frylinck, Beuran Hendricks, David Miller, Mangaliso Mosehle (wkt), Dane Paterson, Aaron Phangiso, Andile Phehlukwayo, Dwaine Pretorius, Tabraiz Shamsi

Bangladesh
Shakib Al Hasan (capt), Imrul Kayes, Liton Das (wkt), Mahmudullah, Mehidy Hasan, Mohammad Saifuddin, Mominul Haque, Mushfiqur Rahim (wkt), Nasir Hossain, Rubel Hossain, Sabbir Rahman, Shafiul Islam, Soumya Sarkar, Taskin Ahmed

Fixtures
Oct 26: Bloemfontein
Oct 29: Potchefstroom

FIGHT%20CARD
%3Cp%3E%3Cstrong%3ELightweight%2010%20rounds%3A%3C%2Fstrong%3E%0D%3Cbr%3EBader%20Samreen%20(8-0-0)%20v%20Jose%20Paez%20Gonzales%20(16-2-2)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ESuper%20flyweight%2010%20rounds%3A%3C%2Fstrong%3E%0D%3Cbr%3ESultan%20Al%20Nuaimi%20(9-0-0)%20v%20Jemsi%20Kibazange%20(18-6-2)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ECruiseweight%208%20rounds%3A%3C%2Fstrong%3E%0D%3Cbr%3EMohammed%20Bekdash%20(25-0-0)%20v%20Musa%20N%E2%80%99tege%20(8-4-0)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ESuper%20featherweight%208%20rounds%3A%3C%2Fstrong%3E%0D%3Cbr%3EBishara%20Sabbar%20(6-0-0)%20v%20Mohammed%20Azahar%20(8-5-1)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EWelterweight%206%20rounds%3A%3C%2Fstrong%3E%0D%3Cbr%3EMarwan%20Mohamad%20Madboly%20(2-0-0)%20v%20Sheldon%20Schultz%20(4-4-0)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EHeavyweight%204%20rounds%3A%3C%2Fstrong%3E%0D%3Cbr%3EYoussef%20Karrar%20(1-0-0)%20v%20Muhammad%20Muzeei%20(0-0-0)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EWelterweight%206%20rounds%3A%3C%2Fstrong%3E%0D%3Cbr%3EBenyamin%20Moradzadeh%20(0-0-0)%20v%20Rohit%20Chaudhary%20(4-0-2)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFeatherweight%204%20rounds%3A%3C%2Fstrong%3E%0D%3Cbr%3EYousuf%20Ali%20(2-0-0)%20(win-loss-draw)%20v%20Alex%20Semugenyi%20(0-1-0)%0D%0D%3Cbr%3E%0D%3C%2Fp%3E%0A
Ms Yang's top tips for parents new to the UAE
  1. Join parent networks
  2. Look beyond school fees
  3. Keep an open mind
The biog

Favourite hobby: taking his rescue dog, Sally, for long walks.

Favourite book: anything by Stephen King, although he said the films rarely match the quality of the books

Favourite film: The Shawshank Redemption stands out as his favourite movie, a classic King novella

Favourite music: “I have a wide and varied music taste, so it would be unfair to pick a single song from blues to rock as a favourite"

War 2

Director: Ayan Mukerji

Stars: Hrithik Roshan, NTR, Kiara Advani, Ashutosh Rana

Rating: 2/5

How Alia's experiment will help humans get to Mars

Alia’s winning experiment examined how genes might change under the stresses caused by being in space, such as cosmic radiation and microgravity.

Her samples were placed in a machine on board the International Space Station. called a miniPCR thermal cycler, which can copy DNA multiple times.

After the samples were examined on return to Earth, scientists were able to successfully detect changes caused by being in space in the way DNA transmits instructions through proteins and other molecules in living organisms.

Although Alia’s samples were taken from nematode worms, the results have much bigger long term applications, especially for human space flight and long term missions, such as to Mars.

It also means that the first DNA experiments using human genomes can now be carried out on the ISS.

 

Specs

Engine: Duel electric motors
Power: 659hp
Torque: 1075Nm
On sale: Available for pre-order now
Price: On request

T20 SQUADS

Australia: Aaron Finch (c), Mitchell Marsh, Alex Carey, Ashton Agar, Nathan Coulter-Nile, Chris Lynn, Nathan Lyon, Glenn Maxwell, Ben McDermott, D’Arcy Short, Billy Stanlake, Mitchell Starc, Andrew Tye, Adam Zampa.

Pakistan: Sarfraz Ahmed (c), Fakhar Zaman, Mohammad Hafeez, Sahibzada Farhan, Babar Azam, Shoaib Malik, Asif Ali, Hussain Talat, Shadab Khan, Shaheen Shah Afridi, Usman Khan Shinwari, Hassan Ali, Imad Wasim, Waqas Maqsood, Faheem Ashraf.

THE BIO

Occupation: Specialised chief medical laboratory technologist

Age: 78

Favourite destination: Always Al Ain “Dar Al Zain”

Hobbies: his work  - “ the thing which I am most passionate for and which occupied all my time in the morning and evening from 1963 to 2019”

Other hobbies: football

Favorite football club: Al Ain Sports Club

 

Score

Third Test, Day 1

New Zealand 229-7 (90 ov)
Pakistan

New Zealand won the toss and elected to bat

Timeline

2012-2015

The company offers payments/bribes to win key contracts in the Middle East

May 2017

The UK SFO officially opens investigation into Petrofac’s use of agents, corruption, and potential bribery to secure contracts

September 2021

Petrofac pleads guilty to seven counts of failing to prevent bribery under the UK Bribery Act

October 2021

Court fines Petrofac £77 million for bribery. Former executive receives a two-year suspended sentence 

December 2024

Petrofac enters into comprehensive restructuring to strengthen the financial position of the group

May 2025

The High Court of England and Wales approves the company’s restructuring plan

July 2025

The Court of Appeal issues a judgment challenging parts of the restructuring plan

August 2025

Petrofac issues a business update to execute the restructuring and confirms it will appeal the Court of Appeal decision

October 2025

Petrofac loses a major TenneT offshore wind contract worth €13 billion. Holding company files for administration in the UK. Petrofac delisted from the London Stock Exchange

November 2025

180 Petrofac employees laid off in the UAE

The specs: 2018 Nissan 370Z Nismo

The specs: 2018 Nissan 370Z Nismo
Price, base / as tested: Dh182,178
Engine: 3.7-litre V6
Power: 350hp @ 7,400rpm
Torque: 374Nm @ 5,200rpm
Transmission: Seven-speed automatic
​​​​​​​Fuel consumption, combined: 10.5L / 100km

FIGHT CARD

Welterweight Mostafa Radi (PAL) v Tohir Zhuraev (TJK)

Catchweight 75kg Leandro Martins (BRA) v Anas Siraj Mounir (MAR)

Flyweight Corinne Laframboise (CAN) v Manon Fiorot (FRA)

Featherweight Ahmed Al Darmaki (UAE) v Bogdan Kirilenko (UZB)

Lightweight Izzedine Al Derabani (JOR) v Atabek Abdimitalipov (KYG)

Featherweight Yousef Al Housani (UAE) v Mohamed Arsharq Ali (SLA)

Catchweight 69kg Jung Han-gook (KOR) v Elias Boudegzdame (ALG)

Catchweight 71kg Usman Nurmagomedov (RUS) v Jerry Kvarnstrom (FIN)

Featherweight title Lee Do-gyeom (KOR) v Alexandru Chitoran (ROU)

Lightweight title Bruno Machado (BRA) v Mike Santiago (USA)

The Bio

Hometown: Bogota, Colombia
Favourite place to relax in UAE: the desert around Al Mleiha in Sharjah or the eastern mangroves in Abu Dhabi
The one book everyone should read: 100 Years of Solitude by Gabriel Garcia Marquez. It will make your mind fly
Favourite documentary: Chasing Coral by Jeff Orlowski. It's a good reality check about one of the most valued ecosystems for humanity

Frankenstein in Baghdad
Ahmed Saadawi
​​​​​​​Penguin Press

Who's who in Yemen conflict

Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government

Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council

Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south

Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory

Profile of Tamatem

Date started: March 2013

Founder: Hussam Hammo

Based: Amman, Jordan

Employees: 55

Funding: $6m

Funders: Wamda Capital, Modern Electronics (part of Al Falaisah Group) and North Base Media

COMPANY PROFILE

Name: Grubtech

Founders: Mohamed Al Fayed and Mohammed Hammedi

Launched: October 2019

Employees: 50

Financing stage: Seed round (raised $2 million)

 

The specs

Engine: 0.8-litre four cylinder

Power: 70bhp

Torque: 66Nm

Transmission: four-speed manual

Price: $1,075 new in 1967, now valued at $40,000

On sale: Models from 1966 to 1970

MATCH INFO

Borussia Dortmund 0

Bayern Munich 1 (Kimmich 43')

Man of the match: Joshua Kimmich (Bayern Munich)

RESULTS

5pm Wathba Stallions Cup Maiden (PA) Dh70,000 (Dirt) 1,400m

Winner Munfared, Fernando Jara (jockey), Ahmed Al Mehairbi (trainer)

5.30pm Handicap (PA) Dh70,000 (D) 1,600m

Winner Sawt Assalam, Szczepan Mazur, Ibrahim Al Hadhrami

6pm Maiden (PA) Dh70,000 (D) 1,800m

Winner Dergham Athbah, Pat Dobbs, Mohamed Daggash

6.30pm Handicap (PA) Dh70,000 (D) 1,800m

Winner Rajee, Fernando Jara, Majed Al Jahouri

7pm Conditions (PA) Dh80,000 (D) 1,800m

Winner Kerless Del Roc, Fernando Jara, Ahmed Al Mehairbi

7.30pm Handicap (TB) Dh70,000 (D) 2,000m

Winner Pharoah King, Pat Dobbs, Doug Watson

8pm Conditions (PA) Dh85,000 (D) 2,000m

Winner Sauternes Al Maury, Dane O’Neill, Doug Watson

Boulder shooting victims

• Denny Strong, 20
• Neven Stanisic, 23
• Rikki Olds, 25
• Tralona Bartkowiak, 49
• Suzanne Fountain, 59
• Teri Leiker, 51
• Eric Talley, 51
• Kevin Mahoney, 61
• Lynn Murray, 62
• Jody Waters, 65

Meydan card

6.30pm: Al Maktoum Challenge Round-1 (PA) Group 1 US$65,000 (Dirt) 1,600m
7.05pm: Conditions (TB) $100,000 (Turf) 1,400m
7.40pm: UAE 2000 Guineas Trial (TB) $100,000 (D) 1,600m
8.15pm: Handicap (TB) $175,000 (T) 1,200m
8.50pm: Al Maktoum Challenge Round-1 (TB) Group 2 $350,000 (D) 1,600m
9.25pm: Handicap (TB) $175,000 (D) 1,900m
10pm: Handicap (TB) $135,000 (T) 1,600m

The five types of long-term residential visas

Obed Suhail of ServiceMarket, an online home services marketplace, outlines the five types of long-term residential visas:

Investors:

A 10-year residency visa can be obtained by investors who invest Dh10 million, out of which 60 per cent should not be in real estate. It can be a public investment through a deposit or in a business. Those who invest Dh5 million or more in property are eligible for a five-year residency visa. The invested amount should be completely owned by the investors, not loaned, and retained for at least three years.

Entrepreneurs:

A five-year multiple entry visa is available to entrepreneurs with a previous project worth Dh0.5m or those with the approval of an accredited business incubator in the UAE.  

Specialists

Expats with specialised talents, including doctors, specialists, scientists, inventors, and creative individuals working in the field of culture and art are eligible for a 10-year visa, given that they have a valid employment contract in one of these fields in the country.

Outstanding students:

A five-year visa will be granted to outstanding students who have a grade of 95 per cent or higher in a secondary school, or those who graduate with a GPA of 3.75 from a university. 

Retirees:

Expats who are at least 55 years old can obtain a five-year retirement visa if they invest Dh2m in property, have savings of Dh1m or more, or have a monthly income of at least Dh20,000.

NEW%20UTILITY%20POLICY%3A%20WHAT%20DOES%20IT%20REGULATE%3F
%3Cp%3E%E2%80%A2%20Agreements%20on%20energy%20and%20water%20supply%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Applied%20service%20fees%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Customer%20data%20and%20information%20privacy%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Prohibition%20of%20service%20disconnections%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Customer%20complaint%20process%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Management%20of%20debts%20and%20customers%20in%20default%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Services%20provided%20to%20people%20of%20determination%20and%20home%20care%20customers%3C%2Fp%3E%0A
Brief scoreline:

Crystal Palace 2

Milivojevic 76' (pen), Van Aanholt 88'

Huddersfield Town 0

Karwaan

Producer: Ronnie Screwvala

Director: Akarsh Khurana

Starring: Irrfan Khan, Dulquer Salmaan, Mithila Palkar

Rating: 4/5

if you go

The flights

Direct flights from the UAE to the Nepalese capital, Kathmandu, are available with Air Arabia, (www.airarabia.com) Fly Dubai (www.flydubai.com) or Etihad (www.etihad.com) from Dh1,200 return including taxes. The trek described here started from Jomson, but there are many other start and end point variations depending on how you tailor your trek. To get to Jomson from Kathmandu you must first fly to the lake-side resort town of Pokhara with either Buddha Air (www.buddhaair.com) or Yeti Airlines (www.yetiairlines.com). Both charge around US$240 (Dh880) return. From Pokhara there are early morning flights to Jomson with Yeti Airlines or Simrik Airlines (www.simrikairlines.com) for around US$220 (Dh800) return. 

The trek

Restricted area permits (US$500 per person) are required for trekking in the Upper Mustang area. The challenging Meso Kanto pass between Tilcho Lake and Jomson should not be attempted by those without a lot of mountain experience and a good support team. An excellent trekking company with good knowledge of Upper Mustang, the Annaurpuna Circuit and Tilcho Lake area and who can help organise a version of the trek described here is the Nepal-UK run Snow Cat Travel (www.snowcattravel.com). Prices vary widely depending on accommodation types and the level of assistance required. 

Red flags
  • Promises of high, fixed or 'guaranteed' returns.
  • Unregulated structured products or complex investments often used to bypass traditional safeguards.
  • Lack of clear information, vague language, no access to audited financials.
  • Overseas companies targeting investors in other jurisdictions - this can make legal recovery difficult.
  • Hard-selling tactics - creating urgency, offering 'exclusive' deals.

Courtesy: Carol Glynn, founder of Conscious Finance Coaching

How to protect yourself when air quality drops

Install an air filter in your home.

Close your windows and turn on the AC.

Shower or bath after being outside.

Wear a face mask.

Stay indoors when conditions are particularly poor.

If driving, turn your engine off when stationary.