It should be known that these things are quite usual and mostly innocent. They could be what is referred to as the Fordyce spots which simply put are oil glands. However, if there is any form of pain or itching accompanying them then it would be wise to see a medical practitioner who will advise accordingly. Hernias usually show themselves as bulges or swellings around the groin so there’s little chance they could be connected with the description of the said spots. To be sure, though, having them checked out by a healthcare provider would still do no harm!

Neither of these treatments is recommended for children under the age of 18. Chemical peels and laser treatments are not permanent skin whitening treatments. These treatments can help to reduce the appearance of dark spots, but they will not permanently lighten the skin.

Having pimples on your forehead is a nuisance, but using Betnovate-N cream with Betamethasone Valerate and Neomycin helps. These substances can reduce inflammation and kill the bacteria causing the pimples. Make sure you apply the cream as prescribed by your doctor. Additionally, washing your face regularly to keep it clean and avoiding oily products can prevent more pimples. 

Warts on the fingers may be caused by this virus named HPV that gets into the skin through cuts or breaks in. Warts are raised lumps that sometimes have tiny black dots. To treat them you can try over-the-counter wart treatments or get a doctor's prescription. Wash your hands often and dry them well to avoid contamination of others with warts.

There are numerous reasons for pigmentation on the face, such as sun damage, hormonal changes or trauma. It is treatable if diagnosed by a dermatologist correctly. I recommend that you see a dermatologist who deals with hyperpigmentation. They can advise you on the best treatment option, whether it is topical creams, chemical peels or lasers, based on the severity of your condition.