A Sweet Spa
Posted by Sarah at 5:45 pm in Health

Wouldn’t we all like to have a spa-quality experience every week without the cost and expense of a luxury spa price? Yes. So what better than creating homemade products that will bring the same quality results at home? Nothing! So let’s get going. With a few simple, easy to use products, you can create this easy product that will allow you to pamper yourself, and maybe even make enough to give some to others.
You could keep it all to yourself and leave everyone guessing as to how you look so pampered! The best part is that many of us already have the ingredients available in the home. No muss, no fuss, just cheap, effective beauty at your finger tips. For less than a cup of coffee you can beautify yourself each day.

This first recipe is for a decadent hair-removing body sugar (2 cups). You will need: 2 cups sugar, ¼ cup lemon juice, ¼ cup water, 1 tbsp almond oil, cornstarch, and muslin cut into about 40 2”x4” strips. Now you will need to stir together sugar, lemon juice, and water into a pot. Cook on medium heat until it is boiling. You want to allow to boil for 15 minutes; mixture will bubble up and will need to be removed from heat for a moment to prevent over-flow.

When the mix has turned to a warm, caramel color, then remove from the heat. Allow to cool shortly. Oil a cold, non-porous surface (marble or baking sheet) with the almond oil and pour mixture onto surface. Allow to cool for 5 minutes, stirring toward the center of mix with wooden spoon. Pour mix into aluminum bowl and allow cooling to continue until a paste consistency has been reached. Lightly dust the area to be used with the cornstarch, then use wooden spoon to lay out sugar 1/8” to ¼” thick.

Lay muslin strips over the sugar to collect a reasonable amount of mixture for use. Stroke the strip firmly down in the direction of the hair growth. Remove the strip away from the direction of your hair growth, this will allow the strips to work twice as well then pulling strips in the direction of the growth. Store the left-over mixture in your refrigerator, and re-heat the container in a bowl of hot water by allowing it to sit for several minutes. It will be perfectly adequate for a second use.

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If you need to purchase private health insurance and you have a pre-existing medical condition, there are just two words for you – comparison shopping.

Pre-existing conditions are important in the process of underwriting insurance, as this is how an insurance company determines how much risk an individual poses.  Each policy or group of policies can only accommodate so much risk.  Too much risk, and there’s the possibility that too many claims could be filed that it would bankrupt the reserves for that policy.  Lower risk means that premiums can be lower and the cost savings can be passed along to the customers.  However, as someone who’s shopping for private insurance, expect to pay more overall for your policy.

If you’re shopping for private insurance and you have a pre-existing condition, you’ll find that some insurers will cover you and others won’t.  Again, this depends primarily on the underwriting guidelines for each company and policy.  An independent agent who represents a number of companies may have an easier time helping you find some options than an agent who works with a single company.  You should plan to talk with several companies and agencies to find the best deal for you.

But first, a word of caution.  You may be tempted to avoid telling a prospective insurer about any pre-existing conditions you have.  This is a very bad idea.  Lying on an insurance application is insurance fraud.  Furthermore, if it’s determined that you lied on your insurance application, your coverage will be canceled and you may have to pay back any amounts that have been paid out on your behalf.  When it comes to insurance applications, honest isn’t merely the best policy – it’s the only one you should follow.

If you have a pre-existing condition and you’re switching to private insurance from a plan you’ve had through work, obtain insurance as quickly as you can.  If there’s no gap in your coverage, your pre-existing condition may be covered.  You also have the option to extend the coverage you had through work under the COBRA program.  This can be expensive – less so than it used to be – but may be a good choice for you until you can secure other insurance.  And currently, if you were fired or laid off from your job, you may qualify for a government subsidy that will pay 65% of your COBRA premiums.

Unless a medical condition is an absolute bar to coverage, you may find a policy that will cover you for all conditions except the pre-existing condition, but will provide coverage for the pre-existing condition after a certain period of time has elapsed.  If you find more than one such policy, compare them carefully to see which is the better deal.

In addition, if you have a pre-existing condition, you may have better luck finding private insurance if you belong to a group.  The more insured people that the risk is spread across, the lower your premiums will be and the greater the likelihood that you may be accepted.

If you’ve worked with a number of agencies and insurance companies and haven’t been able to find any insurance coverage, you aren’t completely without options.  Some companies offer discount plans that can get you reduced rates for doctor’s visits and medications when you choose providers within a specific network.  Although this isn’t full insurance, it can mean a substantial savings over having to pay for these things out of your own pocket.

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