Problem: Article: It is never too early to begin thinking about saving for college. Although you do not need to decide exactly what school you (or your child) will attend, you should begin to consider some general possibilities. Understand that private universities generally will cost more than public universities. Public schools also grant tuition reductions for in-state residents. As your child grows and begins to develop interests, you can certainly redirect your focus, but it will help to set some targets for saving as early as possible. According to U.S. News and World Report, the average tuition and fees at a private university for the 2016-17 school year are $33,635. The most expensive school in the study is Columbia University, with a one-year cost of $55,056. The average in-state resident cost at a public university, reported by College Board, is $9,410 for a single year. These figures tend to increase by about 3% to 5% each year. Start thinking now about ways you can save money while in college. Even without any specialized investments or major savings plan, you can get a very big start on college saving by beginning early. Small amounts of money that you begin to set aside early can grow into substantial savings, even at modest return rates. The sooner you begin saving, and the more you save, the wider your range of options will be when the time comes to attend college. As a student, there are many opportunities to begin earning money that can be set aside for college. Some common jobs that are available even to relatively young students are babysitting, yard work, dog walking, house sitting or washing cars. If you are energetic, and with your parents' permission, you can visit neighbors to ask if they have any jobs you could do to earn some money. As you earn, begin setting some money aside for college. Relatives, even extended family members, may be willing to help with college saving. If you speak with them early in the child's life, you could design a saving plan that would not be too intrusive or expensive, but can have very positive results. Instead of, or perhaps in addition to, birthday or holiday gifts, you could ask relatives to contribute to a savings account for college. They will probably feel very good about being able to help in this way. The IRS allows individuals to make gifts to family members without paying a gift tax on the transferred money. This allowance is as high as $14,000 for gifts made during 2016. (Note that this is not tax deductible for the giver, but the amount of the gift is excluded from taxable income for the recipient.)
Summary: Estimate your need and set a savings target. Start saving as early as possible. Start working early to earn your own college money. Get help from family members.

Problem: Article: If you want a daily moisture boost, try mixing jojoba oil with your favorite shampoo or conditioner. First, pour a small amount of shampoo or conditioner into a small bowl. Next, add a few drops of jojoba oil. Mix the ingredients together with a spoon until they're completely blended. Wash your hair and style it normally. The more damaged your hair is, the more jojoba oil you should add. Experiment with different amounts to see what works for you. Mix together a 1 teaspoon of Guar gum, teaspoon jojoba oil, and a cup of distilled water into a bottle. A few drops of other nourishing mineral oils such as lavender and sandalwood can be added as well. Shake the bottle well to combine the ingredients. Use the mixture as a conditioner after shampooing. Guar gum can be purchased at most herbal shops, nicer grocery stores, and online. First, make a tea by boiling cup distilled water and 2 tablespoons of dried peppermint leaves and letting it steep for 20 minutes. Strain the tea and pour it into a large bottle. Mix in cup of liquid castile soap, 2 tablespoons vegetable glycerin, teaspoon jojoba oil, and teaspoon of honey. Shake the bottle well to combine the ingredients. Liquid castile soap and vegetable glycerin can be found in boutique herbal shops, larger grocery stores, and online. If you can't find dried peppermint leaves, substitute herbal peppermint tea. Just be sure that the only ingredient is peppermint.
Summary: Mix the oil with shampoo or conditioner. Make your own jojoba oil conditioner. Make your own jojoba oil shampoo.

Problem: Article: The Forest Longhorn Beetle and its larvae are only found on trees in the forest. Look for large bore holes that can be up to 10 mm (3/8 inch) across, much larger than most household woodworms. Note that tunnels will be very discreet and run against the grain of the wood. Waney Edge Borer woodworm can be found in wood that has bark on it, and is rarely found in homes. Look for borer dust with bun-shaped pellets around the bark areas from the boring holes. The holes are usually around 2 mm (1/16 inches) in diameter. Ambrosia Beetle woodworm is generally found in the forest; this woodworm can't survive in treated lumber, and only lives outdoors. Unlike other woodworm species, the adult does the tunneling, going against the grain and deep into the wood. Look for black-colored tunnels that are evident after trees are damaged or wood is cut (in a lumber yard, for example.) Wood Boring Weevil woodworm can be found in wood damaged by fungal decay. You can identify this woodworm by looking for tiny holes with ragged bore holes and coarse dust. Look for tunnels that run against the grain and often break the surface of the damaged wood. Powder post woodworm is generally found in seasoned hardwood, which is usually only found in furniture factories and lumber yards. These woodworms tunnel along the grain of the wood, and don't attack old wood (wood that is more than 15 years old). Look for tiny entry and exit bore holes no larger than 2 mm (1/16 inch), and loose, flour-like dust. Deathwatch Beetle woodworm can be found in hardwood, (usually oak), that is partially decayed. Look for bore holes that measure up to 3 mm (1/8 inch) across, and boring dust containing large bun-shaped pellets that are visible without any magnification. If possible, inspect the interior of the wood; more extensive damage occurs inside the wood than what is visible externally.
Summary:
Look for the Forest Longhorn Beetle woodworm. Search for Waney Edge Borer woodworm. Spot Ambrosia Beetle woodworm. Look for Wood Boring Weevil woodworms. Detect Powder Post Beetle woodworm. Look for Deathwatch Beetle woodworm.