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 CafĂ©. 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.