The recession is putting pressure on the wallets and reducing the luxury of little things. Americans are learning how to make coffee at home, cooking, and settling for last season’s clothes.

Americans don’t have to give up their small indulgences and the stress relief they provide. You can get many high-end spa treatments at home for a fraction the cost of regular prices.

Body wraps are a great option. Body wraps are a staple in day spas. They involve exfoliating skin and applying a particular blend of ingredients like clay, minerals, or herbs. Finally, wrapping the body with cloth to retain body heat. You can choose to have a full-body wrap or partial wrap that targets specific areas.

A holistic approach to weight loss and inch loss requires healthy eating and exercise. Wraps help to detoxify the body by drawing out toxins and fat cells. You may lose inches, have smoother and tighter skin, and better body contours and curve definition. It is far safer than surgery or liposuction.

You think it sounds wonderful? It does, up until it comes time to pay. A 45-minute massage at the spa can be as low as $100 or $150. A 60-minute session could cost between $250 and $300.

Do-it-yourself body wrapping kits are available from some companies. These kits offer many of the same benefits as spa treatments, but at a fraction of the cost. Slimmer Silhouette’s kit includes enough mineral mix and reusable bandages to do 12 full wraps, or 24 partial wraps. It costs $250. It comes out to $21 for each wrap.

Also included in the kit is an instructional DVD, a manual, and a measuring tape. All-natural ingredients are used in the mineral blend to promote healing. The wraps can also result in lost inches. This is not due to dehydration but because of the loss or impurities.

“I couldn’t believe how quick and easy it was to use right in my own home,”Brittany, a Brittany customer from British Columbia, Canada, writes. “I also felt completely refreshed and rejuvenated the next day.”She also said that she lost 12 inches when she first used the wrap.

If you have a tight budget, it might be worth ordering the kit with a friend. Wrapping parties at home with friends can be relaxing, slimming, and cheaper than a day at the Spa.

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Today’s life is very fast. People can check their kids’ soccer scores on the phone, while also sending emails to work with the help of digital technology. Consumers can expect the same conveniences and benefits from all businesses, except their insurance companies, thanks to the internet age. For those who are struggling to pay their medical bills and need health insurance, 98 per cent of claims can be processed within 30 working days.

Being insured is not enough, especially with nearly two-thirds American households earning less than 2002. It’s vital to understand how quickly and efficiently your insurance carrier pays claims. This is important for both financial and medical 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. Additionally, rising healthcare costs have forced employers to take cost-saving measures that are putting employees under greater financial pressure.

* 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 strive to provide fast service with better technology and better understanding of customers’ needs. This is one example. AflacIn the insurance industry, it is rare to find policies that allow for claims approval, processing, and payment within one day.

In the past, fast payment policies were a luxury. It is a necessity in today’s world. It is more important than ever that you have money available immediately for serious injuries or illnesses. Your insurance company should be able to respond quickly.

Aflac’s One Day Pay Promise can be found at