Greetings..What exactly do you mean by natural.? are there any natural ways to cut or trim your nails ??? no right - you have to use a pair of scissors or nail cutter - or wait till the nails grow so much that they break off automatically. Similarly, thats why you need to realise - that the "warts" you are talking of on your face and neck are actually not warts - but are skin tags or seborrhoeic keratosis. They have to be removed by a physical method like radio frequency ablation, or carbon dioxide laser. No cream or lotion or leaf or potion will dissolve it better than the above treatments. Please see a qualified dermatologist near you . Warm regards