Tuesday, 30 December 2014

Remove Post Delivery Stretch Marks At Home

Hey friends.

Stretch marks is the biggest problem of fat girls and pregnant women. One cannot wear short dresses or dress of their choice as they can't hide the marks. After delivery women affected by marks on various parts of their body like arms , breasts, stomach, hips, thighs and legs.

Cause : Weight gain, pregnancy, hormonal changes.

Photo Courtesy : Docemed.com

Home remedies that will help in reducing stretch marks.

1. Potato juice: Potato, one of the most commonly available vegetables in one’s kitchen, contains some of the essential vitamins and minerals that
help in the regeneration of skin cells. So taking a few drops of the potato juice and rubbing it on one’s lower abdomen areas post delivery may help greatly in getting rid of the stretch marks easily and in less time than usual.

2. Sugar: One of the most common tips when it comes to tips to remove post delivery stretch marks is to use sugar. Natural white sugar is one of the best exfoliates which gently exfoliate the skin and help in removing the stretch marks
with time. One can rub a small amount of fine white sugar everyday mixed with some almond oil on the stretch marks every day for a month or so and the results would be unbelievable.

3. Lemon Juice: One can resort to lemon juice as it is one of the best homemade remedies for the stretch marks post delivery. Lemon has the natural acidic qualities and that helps to lighten the stretch marks. One can apply the lemon juice on its own or mix it with some cucumber juice to get the desired result.

4. 1 cup baking soda mixed with water is also a great homemade recipe that helps to get rid of the stretch marks due to pregnancy in the most natural and easy way possible. Baking soda has the essential acidic qualities that help reduce the visibility of the stretch marks with time and
regular application.

Monday, 29 December 2014

Home Remedies For Fair Skin

Fair skin is now every girl & boy want it. Everyone is trying different creams and solution to get fair skin.

I am going to tell you simple home remedies to get fair skin. Its easy available in our kitchen.



1. Turmeric, flour, milk

Take 5-6 tablespoon of flour/gram flour and add 1 tablespoon of turmeric and add milk till it becomes a paste. Apply on face, neck , arms, feet till it gets try. Then wash it with water and you will see immediate results.


2. Rice, milk, tomato

Take rice in a mixer and make it in almost fine powder. Add tomato juice and milk in it. Apply on face, arms, legs & scrub it. It also act as an exfoliating the skin and remove dead cells and makes skin soft.


3. Almond, milk

Grind almond in a mixer. Add milk in it and make a thick paste. Apply on face. Wash after 10-15 minutes. See immediate result.



4. Yoghurt, honey

Mix yoghurt with honey well. Apply on face and leave it for 15-20 minutes. Wash it.


Hope this well help all of you. Keep yourself hydrated, exercising and fit. Always believe in yourself and beauty lies inside a person and in his/her character. Not on their face.

Keep rocking. Love ya.. :)

Saturday, 27 December 2014

Skincare Tips For Winters Season

Winter has been time and again hailed as being one of the most romantic and beautiful seasons of the world. But the season is termed not so beautiful
when it comes to skincare. And it’s not just the usual problems like dry and chapped skin, lack of healthy glowing skin during winters but also the more serious medical problems like Eczema and scaled skin, commonly noticed during the winters.


Some of the top skincare tips for winter season.

1. Don’t dehydrate yourself: The first and foremost secret tips when it comes to winter skin care is to keep yourself adequately hydrated. Be it drinking lots of water throughout the day or other supplements like tea, coffee, juice etc, the
trick to keeping the skin from getting overtly dry during this season is to keep yourself safe from getting dehydrated.

2. Keep away from cocktails: Hard drinks tend to make our body warm but our skin way drier and flushed out. You can bid adieu to glowing skin during winter if you can’t restrict yourself from indulging in these cocktails and hard drinks. They also increase the toxin count in our body, thus making our skin feel more chapped.

3.Cleansing regularly: one of the most important things to keep the skin healthy during winter is to keep the skin properly cleaned.


4. Using more honey or glycerine: when it comes to top skin care tips for the winter season, the use of honey and glycerine is inevitable. They can be incorporated in almost any kind of skin care paste that we can scoop up at home and honey or glycerine in the tiniest of the quantities
has the amazing ability to heal the dryness of the skin and return its healthy glow.

Happy Winters !! :)

Friday, 26 December 2014

Android Lollipop On Moto G

Hi friends.

As we know everyone in the world is waiting for the update of Android Lollipop 5.0.1 on their devices. Google announced their latest update release in last month for the eligible devices.

             (Image Courtesy : Android.com)

I am owner of Moto G 1st gen. I am also waiting for the release of Android L on my device.

          (Image Courtesy : Motorola.com)

Enhancement :

Android ™ 5 . 0 Lollipop is one of the most significant in recent Android history. It improves your experience in many areas including visual style and how you interact
with your device .

INSTRUCTIONS :

For a successful installation , Motorola recommend installing the update when the battery in your phone is at least 50 %
charged and you are connected to a Wi - Fi network .

If you have received a notification message for this update:

1. Select "Yes , I ’ m in ".
2. After the software is downloaded, select " Install now ".
3. After the software is installed, your phone will re - start automatically .
4. Your phone is now updated with 220. 21 . 25.

If you have not received a notification message for this update, follow the steps below to manually update your phone:

1. Select the Settings icon in the apps menu.
2. Select "About phone" .
3. Select "System updates".
4. Select "Yes , I ’ m in ". After the software is
downloaded , select "Install now " .
5. After the software is installed, your phone will re - start automatically .
6. Your phone is now updated to 220. 21 . 25



Thursday, 25 December 2014

Formal Letter Format

Hi friends.

Nowadays most of the people doesn't know format of the formal letter. People are not in used if writing letter these days. A proper format is very essential as its important how we write letter that we give in posting newspapers, in schools, offices etc.

I am posting the format of the formal letter with an example.


FORMAT -

1. Letter Head
    [ Sender's Name, Address, Phone]

2. Reference & Date Line
    [ Department Code] 25th December 2014

3. Receiver Name, Address, Country

4. Salutation - Dear Sir/Madam

5. Body
    1st - Aim of the letter
            (Convey the message)

    2nd - How to write it
              (Comprehension)

6. Complimentary Close
    Your Sincerely/Faithfully/Truly

 Signature


Example -

Kiara Kapoor
123 Civil Lines
Hyderabad, Andhra Pradesh - 123456
9876543210

25th December 2014

Priyanka Chopra
54 MG Road
Bangalore, Karnataka - 654321

Dear Madam,

This letter will confirm our arrangements for my daughter's rehearsal dinner at your facilities. The dinner will be held on the evening on Sunday, 28th December 2014 in the Rock Café. As we discussed our florists and caterer will be access the room by 2:00 pm to start the arrangements.  We will be need seating arrangement of 100 people which will be setup prior to that time.

I have enclosed the initial deposit and will forward the remaining within 2 weeks. We thank you for planning this event.

Sincerely

Priyanka Chopra

Merry Christmas

Ho Ho Ho Merry Christmas !!


Hey Friends.

Wish you all a very very Merry Christmas. Hope god bless us with loads of love & luck. 


Its a festival of Christian. They celebrate with easter eggs, cakes, plums & sweets. 

I had once Christmas treat at one of our uncles house. They were yummy.

In a Christmas party Sanata gave me gifts. It was my first present from Santa. I got chocolates.

Hope all of you have a great day. Ciao !!


Wednesday, 24 December 2014

Trip To Amritsar

Hey everyone.

I went to Amritsar few days back. I went there with my father, husband and baby. It was my cousin wedding. It was great Punjabi wedding. Food, dance & everything.

Here's the Groom and Bride. Both looking perfect!!


It was 2 day program. On 13th Dec 2014 there was Shagun where parents & families of both bride & groom gave blessings to them.
On the wedding day we went to palace. We danced on stage. There was a DJ.

Then we went to gurudwara. Their bride & groom took the pheres. In Punjab we have 4 pheres. Then we came with doing bhangra with Dhol. Then we again danced & had good & came back to the house. There mother of the groom welcomes the bride with milk. She take the milk in a pot and roam on the head of bride & groom & then takes a sip. Its a custom.

On the next day we went to Golden Temple. I went here last year.  Its the best place in the whole universe.

Golden Temple -



Then we went to Jallianwala Baag. I went there almost 11 years before.

It was an amazing trip. 
Hope I will go here again. 

Love ya.. :)

Weight Loss at Home

Hi Friends.

Now days everyone is struggling with weight loss. From child to old man/woman. Doing dieting doesn't helps people in reducing weight. Exercising, running & jogging. Trying many ways to keep themselves fit.

Crash dieting leads them to reduce weight but they gain weight after dieting. So what's the way to keep your weight maintained forever.

Of course you have to stop hogging & munching on fast food, oily & sweets.

Tips to reduce weight at home - 

1. Lemon with warm water.


Drinking warm water with lemon every morning is great for body. It helps not in only reducing weight but also keeps our digestion great. 

Take a glass of warm water and squeeze a lemon in it. Drink every morning and don't eat anything after an half an hour. Keep away from sweets, oily food. You will see results soon.

2. Ajwain


Ajwain, also known as Bishop's Weed, has been used as a cooking spice in the Middle East, India and China for centuries. The plant itself is a small shrub with fine hairs,
but the small, ridged, brown seed is the part used for cooking. The taste is said to be spicy and bitter, and although ajwain has been used for a long time, it is not
widely traded outside its native area.

Ajwain is not used specifically as a weight-loss drug. In fact, ajwain may have appetite-stimulating properties. This is the opposite of what most dieters need. It does, however,  have a laxative component that may stimulate bowel movements. If you've been constipated, this could result in the loss of a pound or two, but the weight lost would be water weight and would likely return very quickly.

3. Honey, Lemon & Black Pepper


Mix black pepper powder in warm water with lemon and honey. Drink it every morning after waking up. You will see results in a month.

4. Warm water everyday


Drinking warm water is very useful in reducing weight. Drink warm water when you wake up. Drink it for whole day. Half an hour before eating food and after half an hour eating food. Have warm water before sleeping. Make this as your habit. You will notice results in a month. Avoid oily, sweet & fast food.

Exercising regularly and eating a balanced diet in quantities appropriate for your size is the healthiest way to lose weight. Consume 500 calories fewer than you burn every day to lose a pound of fat per week, and get at least 30 minutes of aerobic activity on most days of the week.
Losing weight naturally and healthfully results in weight loss that sticks, because you develop habits along the way that
can keep you from gaining the weight back. Weight loss is about changing your lifestyle and your relationship with food, not buying the trendiest herb.

Tuesday, 23 December 2014

Overview Of Indian Banking

Modern banking in India could be traced back to the
establishment of Bank of Bengal (Jan 2, 1809), the first
joint-stock bank sponsored by Government of Bengal and
governed by the royal charter of the British India
Government. It was followed by establishment of Bank of
Bombay (Apr 15, 1840) and Bank of Madras (Jul 1, 1843).
These three banks, known as the presidency banks, marked
the beginning of the limited liability and joint stock banking
in India and were also vested with the right of note issue.
In 1921, the three presidency banks were merged to form
the Imperial Bank of India, which had multiple roles and
responsibilities and that functioned as a commercial bank, a
banker to the government and a banker’s bank. Following
the establishment of the Reserve Bank of India (RBI) in
1935, the central banking responsibilities that the Imperial
Bank of India was carrying out came to an end, leading it to
become more of a commercial bank. At the time of
independence of India, the capital and reserves of the
Imperial Bank stood at Rs 118 mn, deposits at Rs 2751 mn
and advances at Rs 723 mn and a network of 172 branches
and 200 sub offices spread all over the country.
In 1951, in the backdrop of central planning and the need to
extend bank credit to the rural areas, the Government
constituted All India Rural Credit Survey Committee, which
recommended the creation of a state sponsored institution
that will extend banking services to the rural areas.
Following this, by an act of parliament passed in May 1955,
State Bank of India was established in Jul, 1955. In 1959,
State Bank of India took over the eight former state-
associated banks as its subsidiaries. To further accelerate
the credit to fl ow to the rural areas and the vital sections of
the economy such as agriculture, small scale industry etc.,
that are of national importance, Social Control over banks
was announced in 1967 and a National Credit Council was
set up in 1968 to assess the demand for credit by these
sectors and determine resource allocations. The decade of
1960s also witnessed significant consolidation in the Indian
banking industry with more than 500 banks functioning in
the 1950s reduced to 89 by 1969.
For the Indian banking industry, Jul 19, 1969, was a
landmark day, on which nationalization of 14 major banks
was announced that each had a minimum of Rs 500 mn and
above of aggregate deposits. In 1980, eight more banks
were nationalised. In 1976, the Regional Rural Banks Act
came into being, that allowed the opening of specialized
regional rural banks to exclusively cater to the credit
requirements in the rural areas. These banks were set up
jointly by the central government, commercial banks and the
respective local governments of the states in which these
are located.
The period following nationalisation was characterized by
rapid rise in banks business and helped in increasing
national savings. Savings rate in the country leapfrogged
from 10-12% in the two decades of 1950-70 to about 25 %
post nationalisation period. Aggregate deposits which
registered annual growth in the range of 10% to 12% in the
1960s rose to over 20% in the 1980s. Growth of bank credit
increased from an average annual growth of 13% in the
1960s to about 19% in the 1970s and 1980s. Branch
network expanded significantly leading to increase in the
banking coverage.
Indian banking, which experienced rapid growth following
the nationalization, began to face pressures on asset quality
by the 1980s. Simultaneously, the banking world
everywhere was gearing up towards new prudential norms
and operational standards pertaining to capital adequacy,
accounting and risk management, transparency and
disclosure etc. In the early 1990s, India embarked on an
ambitious economic reform programme in which the
banking sector reforms formed a major part. The
Committee on Financial System (1991) more popularly
known as the Narasimham Committee prepared the blue
print of the reforms. A few of the major aspects of reform
included (a) moving towards international norms in income
recognition and provisioning and other related aspects of
accounting (b) liberalization of entry and exit norms leading
to the establishment of several New Private Sector Banks
and entry of a number of new Foreign Banks (c) freeing of
deposit and lending rates (except the saving deposit rate),
(d) allowing Public Sector Banks access to public equity
markets for raising capital and diluting the government
stake,(e) greater transparency and disclosure standards in
financial reporting (f) suitable adoption of Basel Accord on
capital adequacy (g) introduction of technology in banking
operations etc. The reforms led to major changes in the
approach of the banks towards aspects such as
competition, profitability and productivity and the need and
scope for harmonization of global operational standards and
adoption of best practices. Greater focus was given to
deriving efficiencies by improvement in performance and
rationalization of resources and greater reliance on
technology including promoting in a big way
computerization of banking operations and introduction of
electronic banking.
The reforms led to significant changes in the strength and
sustainability of Indian banking. In addition to significant
growth in business, Indian banks experienced sharp growth
in profitability, greater emphasis on prudential norms with
higher provisioning levels, reduction in the non performing
assets and surge in capital adequacy. All bank groups
witnessed sharp growth in performance and profitability.
Indian banking industry is preparing for smooth transition
towards more intense competition arising from further
liberalization of banking sector that was envisaged in the
year 2009 as a part of the adherence to liberalization of the
financial services industry.
II. STRUCTURE OF THE BANKING INDUSTRY
According to the RBI definition, commercial banks which
conduct the business of banking in India and which (a) have
paid up capital and reserves of an aggregate real and
exchangeable value of not less than Rs 0.5 mn and (b)
satisfy the RBI that their affairs are not being conducted in
a manner detrimental to the interest of their depositors, are
eligible for inclusion in the Second Schedule to the Reserve
Bank of India Act, 1934, and when included are known as
‘Scheduled Commercial Banks’. Scheduled Commercial
Banks in India are categorized in five different groups
according to their ownership and/or nature of operation.
These bank groups are (i) State Bank of India and its
associates, (ii) Nationalised Banks, (iii) Regional Rural
Banks, (iv) Foreign Banks and (v) Other Indian Scheduled
Commercial Banks (in the private sector). All Scheduled
Banks comprise Schedule Commercial and Scheduled Co-
operative Banks. Scheduled Cooperative banks consist of
Scheduled State Co-operative Banks and Scheduled Urban
Cooperative Banks.
Banking Industry at a Glance
In the reference period of this publication (FY06), the
number of scheduled commercial banks functioning in India
was 222, of which 133 were regional rural banks. There are
71,177 bank XIV offices spread across the country, of which
43 % are located in rural areas, 22% in semi-urban areas,
18% in urban areas and the rest (17 %) in the metropolitan
areas. The major bank groups (as defined by RBI)
functioning during the reference period of the report are
State Bank of India and its seven associate banks, 19
nationalised banks and the IDBI Ltd, 19 Old Private Sector
Banks, 8 New Private Sector Banks and 29 Foreign Banks.

Saturday, 22 November 2014

Win Dell Venue 8 Tablet

Hey friends.

Lisha Bhatt from Heart Bows & Makeup  has come again with a huge giveaway. As on completing her 1st anniversary she has organized this giveaway. This time one of the readers will win a brand new & sealed Dell Venue 8 Tablet!
WooHoo!! :)

She has bought the tablet by herself.  Wow!!


So here's the link - Win Dell Venue 8 Tablet.
Just fill the Rafflecopter form &  please fill all valid entries to qualify other wise you will be disqualified.

Thanks... :)

Friday, 7 November 2014

SBI PO Aspirants

SUGGESTED READING AND TWO-MONTHS SCHEDULE FOR
SBI PO ASPIRANTS - (TARGET SBI PO 2014)

Now, coming to the SBI PO Test, let us see what type of
reading we need.
Pre-requisites to keep accessible on your study table – (a)
a good English dictionary (Oxford Advanced Learner’s
Dictionary is a good one for students) (b) a standard book
on grammar (Wren & Martin is suggested).
Refer to these two whenever you are in doubt about the
meaning / usage of any word / idiom / phrase or any new
grammatical usage that you come across during any
reading you do. Also learn Synonyms. Antonyms, different
usages etc. Doing so, will help you immensely in the
objective English Test.
Practice making several sentences using the new word /
phrase / idiom you just learnt, its synonyms and antonyms.
This will help you in Comprehension , Essay writing and
Letter-writing.
Read a good English national newspaper every day,
thoroughly. In the newspaper, focus on Major Headlines,
National, International, Sports and Business news. This will
help you in English language, as well as help you in General
Awareness / Current Affairs.
Make a daily note of important news / items you come
across. For this, take a 200 pages notebook and assign a
page a day. This will serve as a reference on Current Affairs
periodically, as well as, just before the Test.
Make a note of, Books & Authors, Winners of major
awards / prizes / sports competitions, Committees –
Purpose & Chairmen, Abbreviations, World Leaders,
Important persons, Major dates / developments in History,
Science etc., in fact, anything you find interesting.
Read every day, the Editorials and other analyses and
reports on the centre-spread of the newspaper. This will,
apart from helping you in English language required for the
written test, also help you during Group Discussion , where
ability to analyze issues and communicate your views, is
important.
A good regional / local newspaper – even vernacular (local
language) will do. It will tell you local happenings and help
you in local / social awareness, which may be tested during
interviews.
A good English newsmagazine like India Today, Outlook,
The Week, etc. This will give you an in-depth understanding
of happenings and social issues and help you during Essay-
writing, GD & Interview.
Some people suggest News Digests published for
competitive exams. Do not rely on them completely. Use
them only to complement your more substantial readings of
newspapers and magazines.
Identify a couple of good English authors and read their
novels; will help in developing language, creativity and
imagination, useful for descriptive paper. You can then state
Reading as a serious hobby, during interview. (Remember,
the interview board consists of persons one generation
ahead of you. For most of them, their main hobby was, and
is even now, Reading. At the Interview, they will greatly
appreciate a well-read person.)
Regularly listen to, every day, a few good TV news
broadcasts – DD, NDTV 24X7, CNN-IBN, BBC – and
practise pronunciation, voice modulation, articulation etc.;
will help you during Group discussion.
Schedule for a serious SBI PO Aspirant
1. Warning:- The broad schedule suggested below is for a
serious person determined to join State Bank of India as a
Probationary Officer. It is not for those who are casual
about the exam.
2. It is presumed you will spend 8-12 hours (Average 10
hours) a day focused on the goal. This should not be
difficult; this is the average time you will be required to put
in, on the job. Better get used to it now.
3. Anything & Everything you do & think, should get you
FIRMLY closer to GOAL.
4. Allot the daily time as under:-
Daily Activity Time (Hrs &
Minutes)
Data Interpretation & Data Analysis – Study 1.00
Data Interpretation & Data Analysis - Model Test Paper –
100 Qns 1.00
Reasoning - Study 1.00
Reasoning – Model Test Paper - 100 Qns. 1.00
English Objective – Model Test Paper 100 Qns (Once in 3
days) 1.00
English Descriptive Paper - (Once in 3 days)
Marketing & Computers – Model Test Paper - 100 Qns
(Once in 3 days)
Review of & Learning from the Test papers of the day 2.00
Newspaper Reading & Making notes thereon 2.00
Listening to English news (Prime Time 9 pm to 9.30 pm) 0.30
Preparation for Activities 0.30
Total 10
5. For Study materials & Model Test papers, rely on a good
portal
6. In the objective test, 200 questions have to be attempted
in 2 hours or 120 minutes; hence effort should be to do 100
qns. In one hour.
7. Data Interpretation & Reasoning require acquiring skills
and honing them; hence, they need to be practised daily.
Considering two months or sixty days before the exam, you
should practice on at least 6,000 questions under each
subject.
8. English, Computers & Marketing are purely knowledge
based. Considering the periodicity suggested, you will have
2000 qns in English, 1000 qns on Computers and 1000 qns
on Marketing to practice on. Besides, you will also have 20
each of Essays, Letters, Comprehension passages and
Precise writing.
9. When you do a Test Paper – allow no distractions; Switch
off mobile, lock your room and do the test in the stipulated
time.
10. After the Test, evaluate your paper with one mark for
correct answer and minus 0.25 (- 0,25) for every wrong
answer. Tabulate the Marks Subject-wise as under:
Subject:
Test
No.
(A)
Date
(B)
Total
No of
Qns /
Max
Marks
(C)
No. of
Qns
Attempted
(D)
No. of
Correct
Answers
(E)
No. of
Wrong
Answers
(F)
Test
Marks
{E*1 –
F*0.25}
(G)
% Score
{G*100/
C}
(H)
1
2
3
Note:-
The evaluation sheet should be one for each subject – Data
Interpretation, Reasoning, English, Marketing, Computers.
For each test, check D=E + F.
Watch how the values move from Test to Test.
If C is 100, D, E, G & H should improve and F should
decrease from Test to Test. If this happens, be happy.
Otherwise, take necessary corrective steps.
11. After all the Tests of the day are taken and your
performance evaluated, go back to the wrong answers and
from your study materials, find out the correct answer /
method and where you went wrong. Work on this problem
till you are sure you will never repeat the mistake.
12. Along with the above Schedule working on the Test
subjects, you will have to work on yourself from within as
well. A calm, non-agitated mind is important for
concentration. Ensure that nothing distracts you and that
you are not upset by unimportant developments in your
environment. Meditation, Prayers and Blessings of your
Parents and Gurus will take you a long way here.
13. Physical Health is also very important here. Imagine,
after having prepared well, you catch a simple cold on the
day of Test; it will be a disaster. Eat healthy, natural, home-
made (Mom knows best.) food. Avoid junk food. Do light
exercises & yoga (under an able guide.)
14. Go for a walk all alone, when you can reflect on your
level of preparation and strategies required further.
Keep in mind – This Test is all about SMARTNESS, and SBI
wants only the SMART ones. With Determination and
Discipline, YOU CAN be among the SMARTEST.

Wednesday, 5 November 2014

Indian Insurance Companies

Important Indian Insurances Companies
Taglines with Heads


Hello Friends

I am posting the names of the insurance companies with their taglines & CEO names of Indian Insurance Companies!!!


Life Insurance Corporation of India (LIC)

Tagline - Yogakshemam Vahamyaham
CEO - S.K.Roy

Max Life Insurance Company Limited

Tagline - Aapke Sachhe Advisor
CEO- Rajesh Sud

New India Assurance Company Limited

Tagline - India’s premier general insurance
company
CEO - G. Srinivasan

SBI Life Insurance Company Limited

Tagline - With Us, You’re Sure
CEO - Arijit Basu

United India Insurance Company Limited

Tagline - Rest Assured with Us
CEO - Milind A Kharat

Oriental Insurance Company Limited

Tagline - Prithvi, Agni, Jal, Akash, Sabki
Suraksha Hamare Paas
Chairman - AK Saxena

Kotak Mahindra Old Mutual Life Insurance Limited

Tagline - Faidey ka Insurance
Chairman- Gaurang Shah

Max Newyork Life Insurance Company Limited

Tagline - Karo Zyada ka Iraada

Apollo Munich Health Insurance

Tagline - We know Healthcare.
CEO- Anthony Jacob and Chairman-
Prathap C Reddy)

Future Generali Life Insurance

Tagline - Ek Shagun Zindagi Ke Naam
Chairman- G N Bajpai and CEO- Munish
Sharda

Aviva India Life Insurance

Tagline - Kal par Control
CEO- T R Ramachandaran

Tata AIA Life Insurance Company Limited

Tagline - You click, we cover
Chairman- Ishaat Hussain

ICICI Prudential Life Insurance Company Limited

Tagline - Zimmedari ka humsafar
CEO- Sandeep Bakshi

HDFC Standard life Insurance Company Limited

Tagline - Sar utha Ke Jiyo
CEO - Amitabh Chaudhary, Vibha Padalkar

Bajaj Allianz Life Insurance Company Limited

Tagline - Jiyo Befiqar
CEO- Anuj Agarwal

Birla Sun Life Insurance Company Limited

Tagline - Muskurate Raho
CEO- Pankaj Razdan

Max Bupa Health Insurance

Tagline - Your Health First
Chairman- Anuroop Singh

Exide Life Insurance India Company (Earlier Known as ING
Vysya Life Insurance India Company) –

Tagline - Adding Life to Insurance
Chairman- Rajan Raheja and CEO- Kshitij
Jain

PNB MetLife India Insurance Company Limited
Tagline - Have you met life today?
CEO- Tarun Chugh

Thursday, 30 October 2014

Loreal Paris Giveaway @ Heart Bows & Makeup

Hey Friends.

Another huge giveaway from Heart Bows & MakeupGo to this link -Heart Bows & Makeup, enter the Rafflecopter form & win Loreal Paris goodies.


There are 2 winner & will win the following goodies - 

1 L’Oreal Moist Matte Lipstick- Raspberry Syrup 
1 L’Oreal Volume Million Lashes Mascara 
1 L’Oreal Magique Kajal 

All the best. :)

Friday, 12 September 2014

Loreal Casting Creme Gloss Coloring Hair At Home

No ammonia technology
Innovation:

L'Oréal laboratories create a new generation of no-ammonia
colorants. Casting Crème Gloss: a no ammonia conditioning
hair colorant that gives your hair visible shimmering tones,
glossy shine and blends away grey* . The delicate fragrance
makes coloring a luxurious treat!



Casting Crème Gloss is enriched with a patented
conditioning complex which helps protect the hair fibre for
voluptuous hair: exceptional softness + glossy shine.
Easy + clean to apply, even for beginners.
For extra care for your colored hair:
For best result & long lasting color wash with L’Oreal Paris
Color Protect shampoo-with UV Filters that protect hair color
for 7 weeks**.
It nourishes hair from root to tip and wraps it with protective care.


* covers upto 50% greys
** Instrumental test: Application of shampoo+ conditioner
vs. Ordinary shampoo

Application -

Method 1 – For Uncoloured Hair
1. WET your hair without washing it, towel dry thoroughly
2. APPLY in sections by parting your hair using the tip of the
applicator
3. SPREAD the rest of the product through length
4. MASSAGE to ensure the product is thoroughly worked
into the hair and is evenly spread
Leave for 20 minute*, For better coverage of hair leave for
extra 5 minute
*If your hair has recently been permed (less than a week)
leave it only for 15 minutes
1. Pour little warm water on the hair and massage it gently
2. Then rinse thoroughly until water runs clear
3. Spread the conditioner through hair and leave it for 2
minutes
4. Keep the conditioner for another application between
coloring.

Method 2 – For Coloured Hair

1. WET your hair without washing it, towel dry thoroughly
2. APPLY in sections by parting your hair using the tip of the
applicator
3. MASSAGE to insure the product is thoroughly worked into
the hair and is evenly spread
Leave for 15 minute*, For better coverage of hair leave for
extra 5 minute
*If your hair has recently been permed (less than a week)
leave it only for 10 minutes
Then apply through the lengths,
1. Pour little warm water on the hair and massage it gently
2. Then rinse thoroughly until water runs clear
3. Spread the conditioner through hair and leave it for 2
minutes
4. Keep the conditioner for another application between
coloring.

SKIN ALLERGY TEST:
• The product can lead to allergic reactions which in certain
rare cases may be severe
• Allergy test must be done before 48hr
DO NOT USE:
• If you already had a reaction to hair colorant
• On beards and moustache
• If hair is already colored with henna or progressive color
• If you have a damaged and itchy scalp.

Product Benefits -

Give your hair a total beauty treatment with Casting Crème
Gloss
• No ammonia
• Glossy shine
• Natural looking color
• Color lasts up to 28 shampoos
• Covers Grey
• Delicate fragrance
• Non- permanent

Sunday, 29 June 2014

Living The Dream: Female Talent Hunt

Living The Dream: Female Talent Hunt:     FEMALE TALENT HUNT        Hello everyone.                    Are you crazy for acting?   Are you mad for dancing? Can yo...

Friday, 27 June 2014

Maybelline Colossal Kajal Review

    My First Review -

Maybelline Colossal Kajal




I am in love with Maybelline Colossal Kajal. I am very excited. The first Colossal Kajal I get when I got married on 12th Feb 2013. My sisters-in-law gave me with the make up kit. 

This is my second one. I won this from Glamrs from the contest #CheatMyTurqEyes. I also got Kohl Turquoise and Colossal Volume Express Mascara.


I loved the packing and the price is decent Rs. 175.


(Images without FLASH)




This is how it looks from outside.. :)



When I opened it I saw a dark lid. I liked it because I love putting dark kajal on my eyes and it really suits me.. ;)

I applied on my eye lid and water line and I just washed with water and rubbed it, it didn't came off. Then again on my wet eye I again tried to remove from cloth. It didn't came off. 

Wow. I loved it. Its smudge proof.





Pros : Smudge proof, Decent Price, Love the packing, Its Dark and I love Dark


Cons : I did't find any.. :) I will definitely recommend this to all who love wearing kajal and those who don't, go buy it. You will love it.


Love n Luck..
Cheers... :) 

Thursday, 26 June 2014

Mumbai

My trip to Mumbai last year..


It was great. I went to Mumbai with my Dad and Husband. I came to my home for the first time after my marriage.

JUHU BEACH




It was an amazing view when we reached Juhu Beach. I was so happy. I just ran towards the beach. Feeling the waves and clicking pictures.Writing my name on sand.


HAZI ALI

Then we went to Hazi Ali. It was my first experience. Summer, sweat and tired. Legs were paining by walking all day.


Gateway Of India

I have been to Gateway of India many times. It was first with my husband. Viewing people, photographers, foreigners, ocean, boats. Was amazing.


Wednesday, 25 June 2014

Recipe for Chicken Biryani

(Pic from FoodFood.com)


Preparation Time : 31-40 minutes
Cooking time : 21-25 minutes
Servings : 4

Main Ingredients
Boneless chicken, Basmati rice
Hyderabadi
Rice
Medium
Yakhni Pulao Tasty Protein Pulao
Tasty Protein Pulao

Boneless chicken 600 grams
Basmati rice 1 1/2 cups
Oil to deep fry 3 tablespoons
Cinnamon 1 inch stick
Bay leaves 2
Cloves 5-6
Cumin seeds 1 teaspoon
Green cardamoms 3-4
Onions sliced 2 medium
Green chillies slit 3
Turmeric powder 1/4 teaspoon
Tomatoes chopped 2 medium
Salt to taste
Ginger paste 3/4 teaspoon
Garlic paste 3/4 teaspoon
Red chilli powder 1/2 teaspoon
Thick yogurt 1 cup
Onions sliced and fried brown 3 medium
Garam masala powder 1/2 teaspoon
Ginger cut into thin strips 1 inch piece
Fresh mint leaves torn a few
Fresh coriander leaves torn a few
Milk 1/2 cup
Rose water a few drops
Eggs boiled and sliced 4
Ingredients

Step 1
Cut chicken in one inch pieces. Boil rice and set aside.
Heat oil, add cinnamon, bay leaves, cloves, cumin seeds,
green cardamoms and sauté for half a minute.
Step 2
Add sliced onions and sauté. Add slit green chillies and
chicken cubes and continue to sauté. Add turmeric
powder and mix. Add tomatoes and salt and mix. Add
ginger-garlic paste, red chilli powder and yogurt. Mix
well.
Step 3
Add half the fried brown onions. Add the boiled rice on
top. Sprinkle garam masala powder, ginger strips, mint
leaves and coriander leaves. Sprinkle milk, rose water
and remaining browned onions.
Step 4
Cover and cook on low heat for about ten minutes.
Garnish with the egg slices and serve hot.

Quick Winged Eyeliner Tutorial




Hi Makeup Geeks!

I know there’s many days when you’re rushing out
the door for work, but still want to look polished and
have at least a little makeup on. Winged liner has
been trendy for a few years now, so I wanted to give
you a trick for doing it in 1 minute. That’s right, just
one minute! Nobody wants to skip their trip to
Starbucks to do a 10 minute makeup look when you
can do it quicker AND have your coffee ;)

Products Needed:
Black or Brown Gel Liner –
Bent Eyeliner Brush
Scotch Tape

Simply place the scotch tape along the outer part of
your eye- use your lower lash line as a guideline.
Take your bent liner brush or any super small
makeup brush and apply the eyeliner along the tape,
connecting it to your upper lash line. You want to fill
it in to form a triangle shape- this is what gives the
illusion of winged liner.

How to Get Smoky Eyes With Makeup



Things you'll need:

  • Matte Black Eyeshadow
  • Matte Light Brown Eyeshadow
  • Shimmery highlight eyeshadow
  • Business Card - You'll know why =)
  • Black Kohl 
  • Eyelash Curler
  • Mascara
  • Brushes

  1. After using eyeshadow primer, apply matte black eyeshadow all over your lid. Remember to tap off excess shadow from your brush to prevent fallout.
  2. Using a thinner brush, apply the same eyeshadow on your lower lash line.
  3. Using a business card, align it with the lower lash line eyeshadow & end of your eyebrow tail. You can also use sellotape (after getting off the extra stickiness on the back of your hand first), but a business card is better if you don't want to spoil your foundation. [If you don't want the edge, you can just make it rounded without the business card.]
  4. Press the business card like you would a ruler & apply black eyeshadow on that area between the edge & black shadow. Decide on the shape you want- you can even apply it straight up for that winged look *It was difficult for me to hold camera, card & brush at once, so it's off there. But you get the idea.
  5. Remove business card. You should see a crisp line. 
  6. Tightline your upper lash line with black kohl pencil.
  7. Also line your lower lash line going all the way to the tear duct area.
  8. Blending time: Using a light brown matte eyeshadow blend the black eyeshadow edges using window wiper & swirling motions. 
  9. Also blend the black eyeshadow on lower lash line with the same brown eyeshadow.
  10. Here, you just fill in any gaps with a liner brush or the same pencil brush.
  11. This is optional. You can use a light shimmery shade to highlight your brow bone.
  12. Curl lashes & apply black mascara on top & lower lashes. See how mascara opened up the eye? Mascara rocks! 

Home Remedies For Dry Hair



What is Dry Hair?
Hair, which does not have enough moisture to
maintain normal shine and texture, is termed as dry
hair.  Hair is made up of three layers. The outer layer
is meant to protect inner layers. When the outer layer
is damaged, it causes dry and dull hair. Hair follicles
are connected to sebaceous glands, which discharge
oil onto hair shaft. It is believed that person having
dry skin may have a problem of dry hair. Hair
becomes dry when natural oil from hair is removed
during activities, like sunbathing, swimming in
chlorinated water, overuse of hair dryers, and other
styling products. Women and men of any age can
develop the problem of dry hair.
Causes
Dry hair is very hard to comb. They appear like brittle
or straw. There are various causes which makes hair
dry and unhealthy. They are:
Certain medical conditions
Heredity problem
Loss of elasticity or strength
High porosity
Cuticle damage
Excessive washing of hair with harsh alcohols
and soaps
Dry and hot climate (dry air)
Underactive thyroid
Malnutrition
Excessive use of blow dryers
Anorexia Nervosa
Underactive parathyroid
Excessive hairstyling
Exposure to sun
Swimming in chlorinated water
Menses kinky hair disease
Lack of moisture in hair
Using excessive chemical treatments, like
dye, relaxers, etc.
Using cotton pillow while sleeping
Dehydration
Skipping conditioners
Signs and Symptoms
It is very hard to deal with damaged and dry hair. The
following symptoms indicate that your strands are
dry:
Dull hair
Lack of luster and shine
Brittle or harsh texture
Tangled hair
Unmanageable rough hair
Split ends
Hair breakage
Hyper-absorption
Itchy scalp
Overly porous
No elasticity
Home Remedies for Dry Hair
Just to look classy in parties, people try various hair
styles and harsh products, which damage the natural
beauty of hair. It is necessary that hair problems, like
hair fall, split ends, dry hair, dandruff, itchy scalp, etc.
should be treated somehow to maintain proper health
of hair. Dry hair is a very common problem in today’s
generation. Instead of taking several hair treatments,
try some natural home remedies. Have a look at
some beneficial ingredients, which are effective for
dry strands.
1. Unboiled Milk
To heal dry hair, pour some unboiled milk in a bowl.
Soak a cotton ball in the milk and apply it directly on
hair and scalp. After one hour, wash your hair
thoroughly.
2. Sesame Oil
Sesame oil is excellent nourishing oil. As it is rich in
vitamins and minerals, it helps in strengthening hair
and increasing blood circulation in the scalp. Simply
mix one tablespoon each of root juice, lemon juice,
and sesame oil. Apply this mixture on the scalp and
hair. Wrap your head with a hot towel. After half an
hour, rinse with shampoo.
3. Apple Cider Vinegar
To treat dry hair, apple cider vinegar is very effective.
Instead of using expensive shampoos for hair, a
simple pack or massage of apple cider vinegar works
better. All you are required to do is to take out some
apple cider vinegar in a bowl. With the help of a
cotton ball, apply it on the scalp and hair. Rinse your
hair after 5-10 minutes.
You can also use diluted apple cider vinegar. Mix
apple cider vinegar and warm water in equal
proportion. Apply it after shampooing your hair. It will
work as a conditioner and will help manage your hair
properly.
4. Eggs
One of the most used remedies for dry hair is egg
yolk. Egg yolk works as a natural moisturizer and
conditioner for dry hair. Mix two eggs with half cup of
olive oil. Stir the mixture well and apply it directly on
hair. Cover your head with a shower cap. Rinse after
one hour.
To moisturize dry and rough hair, use egg whites.
Separate white part of egg and damp it on hair. Leave
it for 20 minutes and then, wash it off.
You can also add 2 tablespoons of coconut oil or olive
oil in 3 eggs. Stir it well, adding one tablespoon
honey. You can also put in a few drops of lemon juice
in it. Apply the mixture on hair and scalp and cover
with a shower cap. Wash it off with lukewarm water
after 30 minutes.
Egg can also be used with yogurt. Just beat two eggs
in half cup of full-fat yogurt. Add 1½ tablespoons of
almond oil. Stir it well until it turns creamy. Massage
your scalp and hair with this mixture. After massage,
cover your head with a towel, and wash it off with
lukewarm water after half an hour.
Prepare a mixture of three eggs, one tablespoon of
olive oil, one tablespoon of vinegar, and one
tablespoon of coconut oil. Stir it well, adding a few
drops of rosemary essential oil. Apply this mixture on
the head for 20 minutes and rinse it off with regular
shampoo.
5. Coconut Oil
Coconut oil is considered to be a magical remedy for
curing dry hair. For using coconut oil, you just have
to massage some coconut oil on your hair and scalp.
With the help of finger tips, massage your scalp.
Leave it for the whole night. Rinse it off in the
morning.
You can also use warm coconut oil.
6. Curry Leaves
Curry leaves are not just a good ingredient to add
taste to your food, but also a useful remedy for the
treatment of hair. Curry leaves are enriched with
calcium, vitamins, phosphorous, and iron. Heat two
tablespoons of coconut oil adding 5-6 curry leaves in
it. Heat it for a few minutes and allow it to cool down.
Apply it on the scalp and hair. Wrap a warm towel on
the head for 15 minutes. This ayurvedic treatment will
surely nourish your hair.
7. Yogurt
Yogurt is a natural conditioner for dry hair. It can be
applied as a mask on hair. The moisturizing
properties of yogurt help in curing dry hair. Add a
teaspoon of apple cider vinegar and a teaspoon of
honey in half cup of yogurt. Mix it and apply it on hair
and hair roots. After 15 minutes, rinse your hair with
warm water.
Add some olive oil or mustard oil in yogurt and apply
it on hair before shampooing your hair.
You can also apply plain yogurt on the scalp and
leave it for 30 minutes. Wash your hair with warm
water.
Note- These yogurt recipes should be used in the
warm summer months as yogurt brings down the
body temperature.
8. Milk
Milk is a natural blend of proteins, vitamins, minerals,
and fats, which acts as a nutrient for the body and
helps in strengthening cells, including hair cells. Add
¼ cup of goat milk powder in some water to create a
smooth paste. Spread this paste on hair while
massaging with it. Wrap your head with a warm
damp towel. Wash your hair with a herbal shampoo
after some time.
To get smooth and shiny hair, separate egg yolk in a
bowl and add a few drops of olive oil in it. Add half
teaspoon of sugar in it. Stir it well. Shampoo your hair
with lukewarm water. Then, apply milk on the head
and let it rest for 5-10 minutes. After a stipulated
time, wash your hair. Now, massage your hair with
the prepared yolk and olive oil mixture. Again, wash
your hair with cold water and dry them with hair
dryer.
9. Fenugreek Seeds
Fenugreek seed is one of the natural remedies for dry
hair. The conditioning properties of fenugreek seeds
help in managing dry hair. Soak 50 gm fenugreek
seeds in water for overnight. Next morning, crush
them to make a fine paste. Add four tablespoons of
yogurt to it. Add a few drops of olive oil and some
honey to it. Mix all the ingredients well.
Apply this paste on hair and scalp. Wrap it with a
shower cap and leave it for 45 minutes. Rinse off
your hair with a mild shampoo. For effective results,
practise this method twice a week.
You can also simply apply plain fenugreek paste on
hair. It also provides effective results.
10. Bananas
Banana is a natural remedy for the treatment of dry
hair. They are rich in potassium, antioxidants, and
vitamins, which makes them a beautifying fruit. For
the treatment of dry hair, you need to prepare a
banana paste. Just blend two over ripe bananas and
add one tablespoon each of coconut oil, honey, and
olive oil. Apply this paste on hair for 15 minutes.
Wash off your hair with warm water.
You can also use bananas with egg. Grind two over
ripe bananas and add 2 eggs. Beat the mixture
properly adding a few drops of honey to it. Apply this
pack on hair and scalp. After half an hour, rinse off
with shampoo.
11. Olive Oil
Olive oil is the best treatment for dry hair. Olive oil
can be used for massaging your head or as a hair
pack. All you need to do is to warm some olive oil.
Apply it on the scalp with your finger tips. Massage
your hair for some time. Rinse your hair with a
shampoo to remove oil from hair.
To prepare olive oil pack, you are required to blend
one egg and a peeled cucumber. Add four
tablespoons of olive oil to it. Apply this smooth
mixture on hair and wear a shower cap on head.
After 10 minutes, wash off your hair twice with a
shampoo.
You also have an option to use olive oil with egg yolk.
Just mix two tablespoons of olive oil in two egg
yolks. To dilute it, add this mixture in half cup of
water. Apply this paste directly on the head for 20
minutes. Wash your hair with shampoo.
12. Honey
Honey is a nourishing product for hair. Prepare a
paste of two tablespoons of honey, one tablespoon of
buttermilk or yogurt, and one tablespoon of coconut
oil. Stir it well and warm it. Apply this mixture on your
strands. Cover your hair with a shower cap. Rinse off
your hair after 20 minutes.
You can prepare a honey hair mask by combining
three tablespoons of olive oil and half cup of honey.
Apply it on hair and scalp. Wrap your head with a
warm towel. After 30 minutes, shampoo your hair.
13. Mayonnaise
Mayonnaise is rich in proteins and helps in making
your hair soft, shiny, and healthy. Take half cup of full
fat mayonnaise. Apply it on your scalp and hair.
Massage gently. Then, cover your head with a plastic
cap. Let it rest for half an hour. Rinse off with
lukewarm water.
You can also add 1/3 cup of almond oil in ¼ cup of
mayonnaise. Add 1-2 egg in it and stir the mixture
well. Apply it on hair. Wear a shower cap, if needed.
Wash off your hair with diluted vinegar.
Mayonnaise oil can also be applied on hair. After 15
minutes, rinse your hair.
14. Avocado
For the treatment of dry hair, you can prepare hair
mask of avocado. For this, puree the inner part of
avocado. Add ¼ cup of milk and 1 tbsp of olive or
coconut oil in the puree and stir it well. Apply this
creamy avocado puree on hair and hair roots. Wear a
shower cap for 15 minutes. Wash off your hair with
lukewarm water.
Else, add a few drops of peppermint essential oil in
mashed avocado paste. Apply this paste after
shampooing your hair. Let it rest for fifteen minutes.
Rinse off with water.
You can also use mayonnaise with avocado. Mash
the pulp of avocado adding some mayonnaise in it.
Massage this paste directly on hair roots and hair.
After 20 minutes, shampoo your strands.
To get shiny hair, heat some coconut oil for 10
seconds and massage your hair with it. Let it rest for
some time. Meanwhile, blend pulp of avocado and
banana to form a paste. Apply this paste on hair.
After 10-15 minutes, rinse off with shampoo and cold
water.
You can also prepare a paste of avocado and yogurt.
To control dry hair, mix inner part of avocado and
some yogurt to make a smooth paste.  Apply it
directly on hair as a hair mask. For best results,
apply this pack twice a week.
15. Beer
Beer is considered to be a good conditioner for hair. It
is also known for promoting hair growth and
maintaining shine of hair. Being an excellent tonic,
beer is enriched with proteins and vitamin B. Firstly,
wash your hair. Spray beer all over your hair. You
have to simply replace a conditioner with beer. Leave
it for some time. Use a blow dryer to remove the
smell of beer.
Beer becomes a nourishing conditioner, when added
with egg and essential oil. Mix a few drops of jojoba
oil in 8 ounces dark beer and apply it on hair. After 15
minutes, wash hair with lukewarm water.
You can also mix two tablespoons of apple cider
vinegar in two cups of beer. Use it as a conditioner.
16. Filtered Shower
The water, you use for shampooing your hair,
contains a large amount of chlorine, which may
destroy our hair and causes several problems, like
hair loss, split ends, dry hair, and itchy scalp. For
maintaining shine and strength of hair, use filtered
shower. Filtered shower reduces the contents of
sulphur and chlorine.
17. Gelatine
Gelatine is used to strengthen hair. For the treatment
of dry hair, you need to heat a cup of water. Add one
packet of gelatine to it. Stir it well to form a thick gel.
Shampoo your hair and apply gelatine on hair and
scalp. After some time, rinse your hair with warm
water.
Alternatively, add gelatine to your regular shampoo
and rinse your hair with it.
You can also prepare a mixture of one tablespoon of
gelatine, one teaspoon of apple cider vinegar, and
four drops of rosemary essential oil. Add all the
ingredients in a cup of filtered water. Massage this
mixture on shampooed hair. After 15 minutes, wash
your hair. To experience positive effects, practise this
method once a week.
18. Aloe Vera
Aloe vera is a natural moisturizer for skin and is a
natural conditioner for hair. Apply some aloe vera
juice directly on hair. Wash it off after a few minutes.
Prepare a mixture of four tablespoons of aloe vera
gel, two tablespoons of coconut oil, and three
tablespoons of yogurt. Stir it properly and apply it on
hair.
You can also prepare a paste of aloe vera by adding
two teaspoons of crushed hibiscus flower paste and
one teaspoon olive oil in half cup of aloe vera gel.
Another way of preparing paste of aloe vera is to add
two teaspoons of castor oil in half cup of aloe vera
gel. Add two teaspoons of fenugreek powder and one
teaspoon of basil powder to it. Mix all the ingredients
well to form a thick paste. Before going to sleep,
apply this paste on hair as a mask and let it stay for
overnight. Next morning, wash hair with a mild
shampoo.
19. Essential Oil Treatment
Dry hair can also be treated with essential oils. The
essential oil nourishes hair and maintains its strength,
shine, and bounce. You simply have to massage your
hair and scalp with essential oils for some time. The
essential oils, used for treating dry hair, are
sandalwood, rosemary, geranium, and lavender. Oil
massage can be done before shampooing your hair.
Else, add one tbsp of honey with one tsp of jojoba oil.
Add one teaspoon each of olive oil, apple cider
vinegar, and safflower. Add yolk of an egg. Along with
these ingredients, add four drops each of geranium,
sandalwood, and neroli essential oils. Massage your
scalp with this mixture for 15 minutes. Rinse off with
clean water.
20. Papaya Pack
Papaya is enriched with essential nutrients, which are
helpful in boosting hair growth. To prepare papaya
pack, you have to mix one cup of diced papaya and
one cup of diced banana in one cup of yogurt. Add
one tablespoon each of honey and coconut oil to it.
Blend it to make a paste. Use this paste on your
strands. Wear a shower cap. After 30 minutes, wash
your hair.
21. Lemon Juice
Lemon is a citrus fruit, which helps in maintaining
healthy hair by alleviating several hair problems, like
dandruff, itchy scalp, and hair fall. For the treatment
of dry and dull hair, wash your hair and then, apply
one tablespoon of lemon juice on hair and dry your
hair with a towel.
22. Omega-3 Rich Food
Omega-3 is an essential food for healthy hair. It helps
in fighting against the hair problems, like hair fall, dry
and itchy scalp, and less circulation to the scalp. You
are advised to consume omega-3 rich foods to
maintain healthy hair. Omega-3 also promotes hair
growth.
23. Almond Oil
Almond oil is a good remedy for dry hair. You simply
have to heat two tablespoons of almond oil for 40
seconds. Add a few drops of vanilla extract for
adding fragrance to oil. Massage it evenly on your
hair with fingertips. Let it rest for 30 minutes. Rinse it
off using shampoo and cool water.
You can also use almond oil with egg. You need to
blend one raw egg and ¼ cup of almond oil. Use it on
your hair and let it rest for 40 minutes. After some
time, wash your hair with a nourishing shampoo and
clean water.
24. Pumpkin
Pumpkins are natural moisturizer for hair as they are
rich in vitamins. To prepare a hair mask with the help
of pumpkin, you have to slice one pumpkin in
quarters and boil it for 20 minutes. After boiling, mash
it with a potato masher to form a paste. Add plain
yogurt in the paste. Stir it well and apply it on hair for
15-20 minutes. Rinse your hair with shampoo.
You can also use pumpkin juice for curing dry and
damaged hair. Prepare a puree of 2 cups of cooked
and chopped pumpkins. Add one tablespoon each of
honey, coconut oil, and yogurt to it. Blend all the
ingredients to form a fine puree. Apply it on your hair
and wear a plastic cap. After 15 minutes, rinse your
hair.
25. Cocoa Powder
Cocoa powder works effectively on dry hair. Just
prepare a mixture of honey, apple cider vinegar,
cocoa powder, and plain yogurt. Apply it on hair. Rise
hair after some time.
26. Chamomile
Chamomile tea is another natural home remedy for
dry hair. To treat dry and frizzy hair, prepare
chamomile tea. Place a chamomile tea bag in half
cup of boiling water. Allow it to steep for some time
and add ¼ cup of olive oil to it. Stir the solution well
and pour it over your hair. This will hydrate your hair
and repair split ends and dryness.
27. Sugar Water
Sugar water also helps to treat dry hair. Add a
teaspoon of sugar in a cup of water. Stir it well until
sugar gets dissolved completely. Now, pour little
sugar water on your palm and run your hands over
dry hair. It acts just like a hair spray.
28. Aspirin
Use of aspirin for the treatment of dry hair may
sounds very weird. But, aspirin is effective on dull
hair. Crush 1-2 aspirin tablets and mix them with
regular shampoo. The salicylic acid present in aspirin
restores the shine of hair.
29. Tea Tree Oil
Anti-bacterial and anti-fungal properties of tea tree oil
help in fighting against itchy scalp and dry hair. It
works as a natural conditioner. Just add a few drops
of tea tree oil to your regular conditioner and apply it
on your hair.
You can also pour a few drops of tea tree oil in your
shampoo. Else, always use a mild shampoo enriched
with tea tree oil, which is suitable for all hair types.
Alternatively, massage your hair with tea tree oil.
Note- Do not apply excessive tea tree oil on straight
and thin hair.
30. Castor Oil
Castor oil works wonder on dry hair. It is a natural
remedy for various hair problems, like hair loss,
dandruff, split ends, dry scalp, hair breakage, dry
hair, etc. To heal dry hair, castor oil is effective as it
acts as a conditioner. Apply castor oil with your
fingertips on hair and scalp. Let it rest for 30 minutes.
Wash hair with shampoo.
31. Shea Butter
Shea butter is a natural conditioner for hair. It acts as
a protective layer for hair against harmful UV rays.
The anti-inflammatory properties of shea butter help
in treating dry hair. You need to melt 100 gm shea
butter in a double boiler. On cooling, add 20 gm
apricot kernel oil to it. Whip the mixture and add 20
drops of lemongrass oil, 10 drops of rosemary oil,
and 40 gm cornstarch. Mix it well and apply it on
hair.
32. Cocoa Butter
Cocoa butter is also a natural conditioner for dry hair.
Prepare a paste by mixing 8 ounces of raw cocoa
butter pieces, 2 ounces of jojoba oil, and 1 ounce of
sesame oil or sweet almond oil. Allow it to rest until
the mixture gets thick. Soak your hair with water.
Take the mixture in your palm and apply it on hair. It
can be used before shampooing your hair or as a
conditioner.
33. Argan Oil
Argan oil is considered to be useful oil for hair as it
maintains the health of your strands. It is used for
deep conditioning your hair. Simply massage some
Argan oil on the scalp and hair. Then, wrap your head
in a wet warm towel. Rinse it off after 1-2 hours with
a mild shampoo. For best results, leave it overnight.
Practice this method, once a week.
34. Ghee
Ghee is enriched with unrefined fats, which nourishes
your hair. It works against split ends, hair loss, dry
hair, etc. Apply some ghee directly on your strands
and scalp. Wash it off after some time with shampoo.
It makes hair silky soft. It also works as a natural
hair conditioner.
35. Black Tea
Black tea is a natural conditioner for dry hair. Prepare
a cup of black tea by placing tea bag in a cup of hot
water. Pour it on your hair. Spread it evenly all over
your head. Leave it for 20-30 minutes and then, wash
it off.
36. Homemade Herbal Shampoo
To prepare herbal shampoo at home, you need 500
gm shikakai, 250 gm fenugreek, 250 gm green gram,
100 gm soap beans, and one packet each of curry
leaves and basil leaves. You have to keep all the
ingredients in a clean cloth under the sun for two
days. When they get dry, crush them all to make a
fine powder. When required, mix a little quantity with
water to shampoo your hair.
37. Bottle Gourd Juice
Extract some juice of fresh bottle gourd. Apply it on
your hair. Allow it to rest for half an hour. Wash it
thoroughly with water.
Preventive Measures
Beautiful hair is the identity of a woman. Every
woman wants to have thick, shiny, and healthy hair.
But, what if hair is damaged and dull? Today, most of
the youth is suffering from hair problems, like hair
fall, dandruff, dry hair, etc. To prevent your beautiful
hair from getting damaged and dry, you need to adopt
the following preventive measures:
Rinse your hair with cold water.
Do not wash your hair frequently.
Do not tie your hair tightly.
Do not use a comb with plastic bristles.
Avoid combing wet hair.
Trim your hair regularly.
Avoid using hair dryers.
Drink plenty of water.
Maintain a proper diet.
Practice stress-relief and relaxing activities.
Massage your hair before shampooing.
Avoid harsh chemicals.
Use a conditioner after hair wash.
Protect hair from UV rays by applying
suitable sprays, creams, and serums.
Consume walnuts, salmon, eggs, sweet
potatoes, spinach, lentils, oysters, and
blueberries.
Wear a hat or cap while stepping out in the
sun.
Use a satin or silk pillow while sleeping.
Avoid smoking.
Avoid using the flat iron on wet hair.

Chocolate Cake Recipe



Total Time: 1 hr 35 min
Prep:  30 min
Inactive: 30 min
Cook: 35 min
Yield:8 servings
Level:Intermediate
Ingredients
Butter, for greasing the pans
1 3/4 cups all-purpose flour, plus more for pans
2 cups sugar
3/4 cups good cocoa powder
2 teaspoons baking soda
1 teaspoon baking powder
1 teaspoon kosher salt
1 cup buttermilk, shaken
1/2 cup vegetable oil
2 extra-large eggs, at room temperature
1 teaspoon pure vanilla extract
1 cup freshly brewed hot coffee
Chocolate Buttercream, recipe follows
Chocolate Frosting:
6 ounces good semisweet chocolate (recommended: Callebaut)
1/2 pound (2 sticks) unsalted butter, at room temperature
1 extra-large egg yolk, at room temperature
1 teaspoon pure vanilla extract
1 1/4 cups sifted confectioners’ sugar
1 tablespoon instant coffee powder
Directions
Preheat the oven to 350 degrees F. Butter two 8-inch x 2-inch round cake pans. Line with parchment paper, then butter and flour the pans.
Sift the flour, sugar, cocoa, baking soda, baking powder, and salt into the bowl of an electric mixer fitted with a paddle attachment and mix on low speed until combined. In another bowl, combine the buttermilk, oil, eggs, and vanilla. With the mixer on low speed, slowly add the wet ingredients to the dry. With mixer still on low, add the coffee and stir just to combine, scraping the bottom of the bowl with a rubber spatula. Pour the batter into the prepared pans and bake for 35 to 40 minutes, until a cake tester comes out clean. Cool in the pans for 30 minutes, then turn them out onto a cooling rack and cool completely.
Place 1 layer, flat side up, on a flat plate or cake pedestal. With a knife or offset spatula, spread the top with frosting. Place the second layer on top, rounded side up, and spread the frosting evenly on the top and sides of the cake.
Chocolate Frosting:
Chop the chocolate and place it in a heat-proof bowl set over a pan of simmering water. Stir until just melted and set aside until cooled to room temperature.
In the bowl of an electric mixer fitted with a paddle attachment, beat the butter on medium-high speed until light yellow and fluffy, about 3 minutes. Add the egg yolk and vanilla and continue beating for 3 minutes. Turn the mixer to low, gradually add the confectioners’ sugar, then beat at medium speed, scraping down the bowl as necessary, until smooth and creamy. Dissolve the coffee powder in 2 teaspoons of the hottest tap water. On low speed, add the chocolate and coffee to the butter mixture and mix until blended. Don’t whip! Spread immediately on the cooled cake.

Marketing

1. Marketing is the process of communicating the value of
a product or service to customers, for the purpose of selling
that product or service.
2. Mass Marketing means marketing the mass produced
goods.
3. Strategic marketing means decision making process that
involves the analysis of the internal capabilities and external
environment of a company.
4. Stimulation marketing means there is no demand for the
product and people are not interested to purchase the
product hence special offers are given to stimulate the
people.
5. Synchrome marketing means irregular demand.
6. De-marketing means the demand for the product exceeds
the supply.
7. Producer goods means goods which are priced high and
required a few to produce other goods in the industry ex:
lathe, motor etc
8. Consumer goods are required in large number and
directly used by the consumer.
9. Derived goods means the demand for the product is
derived from the demand of other products ex: the selling of
stabilizer depends upon the selling of TV’s and refrigerator.
10. The client of an advertising agency is called Customer.
11. CRM means Customer Relationship Management.
12. Segmentation of consumer market is based on
consumer characteristics and consumer responses.
13. B2B means – business to business
14. Database marketing is direct form of marketing.
15. A Buyers Market means supply exceeds demands
16. Niche market means a specified market for the target
group.
17. HNI marketing means High Networth Individual.
18. Relationship marketing is useful for cross selling of
products.
19. Good public relations indicate
Improved marketing skills
Improved brand image
Improved customer service
20. Marketing functions includes
Designing new products
Advertisements
Publicity
After sales service
21. Effective selling skills depends on
Effective lead generation
Sales call planning
Territory allocation
Effective communication skills
22. Marketing channels mean
Delivery period
Delivery outlets
Delivery time
Delivery place
23. Marketing information means
Knowledge level of marketing staffs
Information about marketing staff
Information regarding share market
Knowledge of related markets
24. A DSA means Direct Selling Agent.
25. Service marketing resorted to in Insurance companies
and banks.
26. Service marketing is same as
Internet marketing
Telemarketing
Internal marketing
Relationship marketing
27. Market segmentation helps to determine target groups.
28. The seven P’s of marketing
Product
Price
Place
Promoting
Process
People
Physical Evidence
29. SWOT – Strengths Weakness Opportunities Threats.
30. Standard marketing practices include lowering the
selling price.
31. USP of a product means Unique Selling Proposition.
“Rosser Reeves” coined the term USP.
32. MBO means Management by Objectives (“Peter
Drucker”)
33. AIDA – Attention Interest Desire Action
34. BTL – Below the line
35. Right-time marketing is an approach to marketing
which selects an appropriate time and place for the delivery
of a marketing message.
36. A group of related products manufactured by a single
company is called product line.
37. MDSS – Marketing Decision Support System.
38. Target group for the marketing of Internet Banking –
All the computer educated customers.
39. Innovation means new ideas and product designing.
40. Service after sale is not the function of marketing staff.
41. A good seller should have the following quality/qualities
Devotion to the work
Sympathy
Submissive
42 . Planned cost service means – additional profit on
same cost.
43. A non-traditional, low-cost, flexible and highly effective
marketing is termed as Gorilla marketing.
44. The aim of successful marketing is to increase the
outlet of the seller.
45. Low end market means a market for lower price
products.
46. The strategy used to charge different prices for the
same product is called price discrimination.
47. The system designed to support marketing decision
making is – marketing information system.
48. Conversion in marketing means converting suspect into
prospect.
49. MC means – Marginal Cost.
50. Personalized marketing (also called personalization,
and sometimes called one-to-one marketing) is an extreme
form of database marketing. Personalization tries to make
a unique product offered for each customer.