The World Health Organization just released a statement that cell phones can cause cancer. Didn’t you read that here two weeks ago?
I like Guinness. Anyone who has met me knows that that is a statement like “Mickey Mantle was a decent baseball player.” So what does this have to do with Disability Insurance Awareness Month (DIAM)? Trust me, there is a point to this that is actually relevant.
I also love to work out, especially long hard cardio based workouts, either running or martial arts. And the reward for doing the hour long, red line your engine and be ready to puke torture session workout is to have a couple of beers later. As my marathon coach (who also happens to have a PhD in biochemistry, so he knows what he is talking about), beer is just liquid bread, essentially carbs and water, so is actually good for endurance athletes.
I also give blood on a regular basis (and not just to the government through my taxes). I do this because there is demand for my blood type, and people have need that I can assist with. It’s also not that big of a deal to go and lie there for a half hour and think while you drip.
The problem is when you do all of these the same day. Having a six mile hard run in the morning, then giving blood, and having a few malted hops beverages in the evening without properly re-hydrating will wreck havoc on your body.
I woke up the next day feeling like I had gone ten rounds with Mike Tyson, in the Sahara. There was literally no part of me that was not in pain. My mouth was dry and I couldn’t do anything about it because my head spun like the kid in the Excorcist. Every time I took a drink of water it set off my stomach and it came back up (with some other stuff. Until there was no other stuff left. Then it was just dry heaving.), leaving me weak and in pain, almost ready to curl up by the toilet bowl. Every fiber of my being hurt, and I just wanted the pain to go away. We have all been here.
Chemotherapy feels like this every single day.
I have had friends and relatives go through chemo. The sickness, the weakness. Weight loss of thirty or even fifty pounds because of no appetite. The inability to focus, and depending on someone else to drive and take care of you because the side effects are so bad.
Chemo is a multi month hangover without the fun.
And that is why this is relevant to DIAM. In the past I had young people (who are invulnerable, as we all know) tell me that “I’ll just work through it if I get sick or hurt.” Until they saw a friend go through cancer and chemo. Until they saw the strongest and proudest people reduced to their knees from the side effects, unable to take care of themselves during their treatments let alone contribute economically. And not a single person whom I ever worked with as a financial adviser that saw someone go through chemotherapy ever resisted stepping up and getting disability insurance, because they have seen what it can do.
Cancer is serious stuff: I have lost loved ones to it just like practically everyone else. But I have learned the financial lessons from it. There is little we can do to prevent cancer, but much we can do to mitigate its effects financially. And buying Disability Insurance is the first and easiest step.
Remember, I studied Physics, specifically optics and nuclear engineering. So I probably have a faily good grasp of how electromagnetic radition (i.e. light at all wavelengths from long radio waves through visible down to UV, X, and beyond) effects things. Things like soft squishy things primarily composed of water, like say a human brain.
Holding an emitting device by your skull for extended periods is not good. This is your cell phone.
Looking at an emitter for extended periods is not good. This would be a computer monitor or TV screen.
Sitting with a device on your crotch for long periods is not smart. That is me tapping away at my laptop right now.
We as a society are bathed in more man made radiation than ever. No, it is not “dangerous” in that the levels are very low and the frequencies are not at damaging levels. But just the sheer amount should concern you.
Why is this relative to finance, and specifically Disability Insurance Awareness Month? Well what is the outcome of us essentially swimming in radiation? Over time health effects, whether it is cancer, or low sperm motility, or what have you. The environment we live in is not nearly as friendly as it was even two decades ago, and it will show over the next few decades.
Best way to hedge against this effect: get some disability insurance. The changing world around us makes it an even smarter move than before.