It happens every year. You will struggle to find the perfect gift, no matter what the occasion. You are out of ideas and time. It could be your boss’s birthday or someone whose name was drawn in a gift swap, or the graduation of a neighbor or cousin. You might just be looking for a unique gift to show your appreciation.

It doesn’t take much to make an impression. You can still give the perfect personalized gift.

These are just a few of the many suggestions DisneyStore.com has to offer — they’re all great for any personality, and all priced below $30

– For Mom. Relax in style with your mother and your daughter “Mommy and Me”Matching pajamas, robes and aprons are available. A customized bag can be useful for moms on the move. For $29.99, you can get a themed spa set that will help her relax for Mother’s Day and her birthday.

– For Dad. Disney offers personalized gifts for dads regardless of whether they are weekend warriors or couch potatoes. Givers have the option to print Dad’s name or phrases. “Best Dad”Jackets, polo shirts and baseball caps. You can order custom golf towels for as low as $16.95 to help your leisurely game of golf.

– This bag is for the recent high school graduate. As they transition into college, your young adult will spend lots of time online. So why not get them a personalized laptop or messenger bag in the color of their choice with their name and a Disney character for just $29.95 Family members and friends who don’t mind spending a bit more can give customized roses. “Congratulations”For that big day.

– For grandparents. Disney lets customers create custom, small-sized flipbooks from home videos. You can make a video of your grandchild’s birth, turn it into party gifts, brag or travel books, and even transform the video with just $12.95. It can be shared with family and friends by grandparent anytime, anywhere.

For more information, please visit www.DisneyStore.com.

The pace of life today is rapid. The rise of digital technology has allowed people to communicate with each other via the internet and simultaneously check their children’s soccer scores. Consumers can expect the same conveniences and benefits from all businesses, except their insurance companies, thanks to the internet age. For many people struggling to pay their medical bills, this can seem like a long wait, even though 98 percent of claims for health insurance are processed in 30 days.

It is no longer enough to be insured, as nearly two-thirds of American households have less income than 2002. It is important to find out how fast and easy your insurance company processes and pays claims. This is critical for both financial recovery and physical recovery.

According to a recent survey, 66% of workers would struggle to pay for the financial burdens associated with serious injuries and illnesses. Only 49% have enough money to cover out-of pocket expenses. Employers are being forced to take cost-saving measures due to rising health care costs, which is putting even more financial pressure on employees.

* Increasing employees’ health care insurance copayments.

* Increasing employees’ share of premium.

* Implementing high-deductible health plans with health savings accounts.

Some people might have to wait as long as a month to receive their insurance payments. Many insurance companies are able to provide customers with fast service thanks to modern technology and better understanding of their needs. This is just one example. AflacIt is almost rare for insurance companies to offer policies that include claims processing, approval, and payment in a single day.

Fast payment policies are no longer luxury items of the past. It is now a necessity. It’s vital to have funds readily available for serious illness or injury. Your insurance company should be able to respond quickly.

Aflac’s One Day Pay guarantee can be found on aflac.com/onedaypay.