Summer is over but you might be wondering why you’re still reading an article about sun block and, of all sites, a financial planning site. Read on and you might be surprised how skincare and financial planning have a lot in common.
All modesty aside, I have been complimented for having good skin on several occasions. Well that’s partly because of genes, I guess, and partly of my skin care regimen. A lot of women probably know and follow the wash-tone-moisturize routine already. Well, there’s one last step that a lot of people forget to do – put on sun block. Many people think that sun block is only relevant during summer and when they are going out for a swim or engage in an activity under the sun.
Let us start with a few sun facts. There are three types of radiation emitted by the sun: UVA, UVB and UVC. For now, in terms of our skin and the sun, let’s now worry about UVC because it is “absorbed by the ozone layer and does not reach the earth”. We’re now left with UVA and UVB, which can cause premature aging, eye damage, and skin cancer. UVB exposure is what causes sun burn; basically it is when we are directly exposed to the sun. UVA, on the other hand, is the kind of radiation that we are exposed to even if we are indoors because UVA rays penetrate glass. There are also studies that suggest that there are types of indoor lighting that radiate UVA. Basically, UVA is the kind of radiation that we are exposed to even when we are indoors. Yup! Just when you thought that just because you spend most of your time indoors, you are protected from the sun, think again. Studies also say that UVA actually damages the skin worse than UVB.
How is this talk about skin care relevant to financial planning? How about this: think of life insurance as sun block. A lot of people feel that sun block is not relevant because they do not engage in activities under direct sunlight. In life, many people think that getting a life insurance is not relevant because they are still too young and feel invincible against illnesses and untimely death. Some do not put on sun block because they feel safe from the sun since they are always cooped up indoors. In our analogy, some people feel that they do not need it because their lives are generally “safe” or they do not feel they are at any risk.
Others do not use sun block because they think that it is expensive. However, there are sun block brands that are actually very affordable. Also, there are sun blocks with moisturizers so you don’t have to buy a separate lotion anymore, that’s value for money. Similarly, many people think that life insurance will just be another expense they have to pay for. There are actually affordable plans and premium payment facilities that can suit your budget. Looking for value for money? There are life insurance plans that not only protect you from untimely death but also provide living benefits.
Then there are those who regularly use sun block but only on their faces and not on the rest of their bodies. Remember, our skin is our largest organ; the average person has about two square meters of skin. Skin on other parts of the body needs as much protection from the sun as the face. Like in securing our financial future, there are those who regularly place money on their savings account, but do not cover themselves from other risks and future expenses; they feel that their bank deposits are sufficient preparation for their future.
There are also those who use sun block but only apply it once a day. Read the label and you will notice that it is strongly recommended that you re-apply after a couple of hours, after sweating profusely, or after swimming. Like a financial planning program, you don’t just invest once, you have to regularly review your program and update it as you go through lifestages.
Sun block has been getting some bad rep because there are materials saying that it does more harm than good. However, according to skincare.org “most dermatologists recommend using sunscreens that protect against both ultraviolet A (UVA) and ultraviolet B (UVB) rays”. If you are not yet convinced, read more materials or better yet, consult a dermatologist. Likewise, life insurance has been put in a bad light because many people don’t want to talk about morbid topics. How about this – you educate yourself more about life insurance by consulting a financial planning expert who can advise you on how to best protect you assets.
Do you believe me now? Skin care and financial planning do have lots in common. So, put on sun block and get a life insurance, your future self will definitely thank you for that.
(Originally written by Abigail Magtibay at http://www.savingstips.com.ph)
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