Homemade Herbal Bleaching mask

 Recently, I heard about this herbal bleach on a show on Indian channel and thought it would be helpful for some of us.
This is for oily skin people, to help treat pimples, for people who desire lighter skin color, if you had sun tan and want your lighter skin color back sooner -then try this.
Fullers Earth Powder - 1 lb,(Starwest Botanicals)
Fullers Earth Powder - 1 lb,(Starwest Botanicals) $8.27
  1. Sterilize 30 grams or 6 teaspoons Fullers Earth powder (Multani mitti)
     by frying for 10 minutes on low flame
  2. Let it cool down to room temperature before you add the below ingredients
  3. Add 1 pinch of baking soda
  4. Milk 30 mLs
  5. Rose water 5 mLs(1 teaspoon)
  6. Honey 5 mLs
  7. Mix well till it looks like smooth paste
  8. Wet your face first with water
  9. Apply thin layer of the paste like mask
  10. Leave it on for 15-30 minutes
  11. Wipe off with wet cotton swab.

Castor oil cleansing for glowing face

(A guest article by Rajitha)
Everybody wants beautiful, blemish free, acne free, blackhead free, glowing face. After some years I came to US, due to climate change and also hormonal changes, I started getting pimples and dark spots on my face. I tried this oil massaging with natural and inexpensive ingredients available at home which I would like to share with you.
All you need are:
Castor oil and little olive oil\sunflower oil
Hot running water
Clean wash cloth
You may be surprised with the fact that, how come I am using oil to remove oil. Well, the fact is that oil dissolves oil. Castor oil dissolves  and removes oily dirt from your clogged micro pores in the skin. Thus, leaves your skin smooth & clear.
Heritage Store Castor Oil, 32-Ounce
Why I choose Castor oil over so many other oils is because it is anti-inflammatory, has healing properties, & cleansing properties. As castor oil is thick and it will not easily penetrate into the pores, we need a secondary oil to dilute castor oil.

  1. Take a 2 teaspoons of castor + 2 teaspoons of secondary oil mixture in your palm. You can straight away start this cleansing over your make-up, no need to wash your face prior to this. Rub the oil mixture on your face and neck with slow and firm motions.
  2. Soak the wash cloth in the hot water, wring it and lay it over your face.This will open the pores on your face.
  3. Once the wash cloth is dry, wipe off the face.
  4. Repeat steps 2 and 3 couple of times.
  5. If your skin feels tight, take a little amount of oil mixture and pat onto your damp skin. Make sure to massage the left over oil into your skin so that there is no film of oil left.
You could be allergic to castor oil so it is better to test 24 hours before you apply on face. Test on your arm first.
Too much of castor oil may make your skin dry and tight. So, you have to find  right combination of castor oil and secondary oil that suits you.
I would suggest you to apply this weekly or as your skin demands.

Have a happy glowing skin!

Some unique ideas for part time jobs

(A guest article by Rajitha)
  1. Catering
  2. Child care in summer holidays
  3. Pick up & drop off
How to Start a Home-Based Catering Business, 5th (Home-Based Business Series)Catering or supply of regular food:  Some of us eat to live, and some eat for pleasure because we enjoy food. Being a homemaker, I made myself zero to hero in cooking because I wanted to set an example to my daughter. That is my long story short that also gave me an idea, wondering what idea? Now I'll come to the point, while making yourself and people around you happy with your culinary skills, you can earn some money. I have seen that  some working couples and bachelors don’t find time for cooking but they like to eat tasty food. So, here you go,You can cater to them and earn money.

The Night Before Summer Camp (Reading Railroad)Child care in summer holidays:  Well, with the ongoing recession, there are many families who want to cut costs. Among them is the summer camp which is very expensive. So you could take care of couple of kids at your home with your own kids.

Pick up & Drop off:  There are many people who need pickup and drop off  service like non-drivers, no car, or due to ill-health. Some instances:
Housewives who do not maintain a second car,
People not in a situation to drive, like senior citizens,
People who need ride to doctor's office, airport, or grocery
People whose driver license might have been revoked or cancelled.
If you have a car and you can drive then giving a ride to those people can turn out to be the most smart choice to earn some extra income.

Significant facts about bank accounts in USA

Datexx DB-403 3-Memory Checkbook Calculator

It is easy to open an account and save money but there are certain things you need to know about keeping your money safe. Be prepared for those unexpected situations. When you open any bank account don't forget to add a beneficiary or POD. Otherwise the money will be remitted to the state  upon death of an account owner. Though the account owner has a family and heirs they have no right to inherit the money if they are not added as beneficiaries. Recently, learn't first hand information from my bank and here it is for you.
 If you are living in America, it is very easy to open a bank account. All you need is two IDs-they are a driver's license, and a passport\Social security number\student ID\\debit card\check card from another bank. Some banks, like Suntrust, allow you to open a checking account without a minimum balance.

Why should you add a beneficiary when you open a bank account?
Beneficiary is a person who is eligible to receive all the money in the account upon the death of the owner. Beneficiary can access your account if given rights and can check the balance and the transactions. Beneficiary can deposit the checks in the account. Having a beneficiary added to the bank account makes it easy in case any unfortunate incident occurs like expiry of the account owner. In such case the beneficiary has to submit the death certificate and will be able to withdraw money. This simple step saves the family all the hassle.
What is POD?
Payable on death(POD)  is a person who would receive the balance in the account upon demise of the account owner. But he would never know anything about your finances or transactions. Person in POD will be notified in case of death of an account holder and will be gifted with all the balance as stated in your POD application. "Payable on Death bank accounts are often called the “poor man’s trust” because they accomplish the same goals as a lawyer-drawn trust, but for free".
Read more about PayOnDeath account.
What if you haven't added a beneficiary but you have a will?
Perfect Wills, Living Wills, Trusts & Estate Planning Platinum

If you have a will then money will be distributed according to the court ruling. The heir should first go to the court in the state you lived and get the 'court order' that states he\she is eligible to receive the balance amount. In order to draw the money, the heir needs to submit 3 documents of proof to the bank, they are- the court order, the will, and the death certificate.
What is an inactive account and what happens to it?
If you do not deposit, withdraw, or do any ATM transactions for 1 year then that account will be considered inactive by your bank. After 1 year of inactivity the bank encodes the account as 'dormant'. (The time period varies from bank to bank). All the money from the dormant account will be remitted to the state. That means, none of your descendants will be able to enjoy your money and it will  be given away to the state government in USA. This happens just because we were not careful about our own hard earned money.

What if, you neither have a beneficiary\POD nor a Will?
In such case, an heir cannot provide a proof that he inherits the property.The inactivity on the account leads the bank to mark the account as dormant. All the hard-earned money from the dormant account goes to the state government in which the account was created initially.
The Money Class: Learn to Create Your New American Dream
Learn to create your new American dream

Dormant account: States like Alabama, DC and Maryland will wait for 3 years only after the account has been marked dormant. Later, the money will be remitted to the state. Whereas, all the other states wait for 5 years to take money from an unclaimed account. Interest is not paid on dormant accounts and a non-refundable monthly dormant fee will be charged for the maintenance of the account.

Golden advice: "Add beneficiary or POD on all your bank accounts. Safe your assets immediately by preparing a will and a trust".
Find helpful links to prepare will and trust in my previous post Will and Trust.

The above information varies from state to state and also depends on your bank. Contact your bank and read your state laws for applicable rules and restrictions.

I dedicate this post to my friend Geetha. In my first year in US, she gave tips that one needs to live wisely in US. 

Will and Trust

Suze Orman Will & Trust Kit
Differences between 'will' and 'trust'
  1. A will is a legal document that enlists all your wishes. 
  2. For those wishes to be practically implemented the heirs have to go through probate(legal process). 
  3. A will is less expensive than trust.
  4. A will can become a public record.
  1. A trust is also a lengthier legal document prepared by an individual or a group.
  2. An heir need not go through probate(legal process).
  3. A trust is more expensive.
  4. A trust is private and cannot become public record.
Read in detail about the differences between a will and a trust.

Helpful links for preparing a Will:
  1. Suze Orman's Protection portfolio kit $59.16 + shipping: This is my favorite choice  because when I called the customer support he gave me some awesome information: Using one kit 25 new accounts can be created. It means one person can buy it and let many of his\her friends use it. The account holder can change 'the will' and 'the trust' numerous times, without any further cost and right from the  home.
  2. Online Wills and Trust: From 'legalzoom.com' you can order on-line will in 3 easy steps and receive  your will in 2 days. For will only: Basic service costs $69 + $2 shipping. For Trust: Cost $269 + $14 shipping
My favorite financial advice shows:
Suze Orman -  financial guru's TV and Radio shows

I dedicate this post to my high school friend Savvy.