Variety is the Spice of Life

I’ve always been the type to try out new things that I’m not too familiar with. From food to clothes to culture, I’ll always give something a try even if I have no prior experiences with it. How else are humans supposed to grow from their experiences if they don’t at least have new experiences to grow from?

I’ve felt that this take on life has been nothing but beneficial to me throughout the last 5 or so years. I never really embraced this way of living until I graduated from college. And since then, I’ve really seen myself grow and actually learn and internalize stuff from my unique experiences.

Music, you won’t be surprised to find, is no different for me.

You see, I grew up on country music. Before you say or think anything, it was 60s to 90s country that was the real stuff. When people hear the words country music today, they’re honestly pretty turned off to the entire genre, and I can’t even blame them.

But growing up on country didn’t do much for me at the time. I never listened to it for me. I only listened to it because my parents did.

Lately, though, I’ve explored just about every type of music you could think of, from musicians in the 50s to bands that are in their infancy here and now. It doesn’t matter who it is, what genre they’re placed in, or when they began playing, I’ll give it a listen and likely have at one point.

It’s because of this love for exploring new music that I’m constantly going to music festivals in the US. I’ve averaged about one festival a year over the last half decade, and I’d honestly like to bump that number up to at least 2 a year. At festivals, anything goes. You can be a no name band with just a hundred people in front of you or a mega headliner with thousands upon thousands singing along to every song. But it doesn’t matter who you are or what you listen to. You’ll always explore and find new music.

So, when it comes to music festivals, I have to plan around them on a yearly basis. I take off work exclusively for them. Even if some disaster of an illness were to befall me and my disability insurance would have to take over, I feel that I’ll still find myself at the festival I bought tickets for no matter what. (Especially thanks to disability insurance being able to cover my loss in income if ever that happened.)

Rec Leagues and Insurance

Rec league sports (and other intramurals that may or may not extend beyond the college years) are a great way to keep up relationships and bonding with old friends while also keeping you in shape and social. And, just as importantly, your skills stay keen because you’re playing every week or so.

For the most part, the only drawback to rec sports, even while you age, is their costs. But if you budget correctly and set aside a monthly amount to throw at a rec league, it’s mostly negligible. You can even look at it as a gym membership.

And just as well, you’re not likely to be in any other type of organized sport outside of rec leagues as you age, as organized sports are typically set up for anyone still in school or doing it professionally. So, rec leagues are one of your only opportunities outside of pickup games with friends at the local park. And sometimes, those can be hard to organize and populate enough for full teams.

The thing you have to be careful with, though, is injury. As your body ages, things become frailer. You don’t want to accidentally hurt yourself by doing something you love on a weekly basis, now do you?

Proper gear and stretching are absolute musts for these sorts of leagues. It’s worth it to spend a little extra on shoes with better support. And it’s worth it to go out and look for the braces, pads, or whatever other gear you personally may need. And don’t get me started with stretching. Don’t ever compromise a proper stretching routine just because you “didn’t have time.” Stretch before you play no matter what, as this is the number one way to avoid injury.

The only other thing you need, then, is disability insurance.

Yes. Insurance. You need this particular type in the off chance that an injury sidelines you not only from your league but also your job. It’s possible to break or sprain something, which can put you off your feet (or disable the use of your hands or wrists) for quite some time. And if your career in particular requires you to walk a lot or type, you could be “out” for some time.

Disability insurance, however, will make sure that you aren’t starved of a steady income even if you’re out of your job for an extended period of time. And it covers illness, to boot.

Having Proper Insurance Against Health-Related Concerns

Illness is one of those things that can strike even the healthiest of people. As frustrating as that sounds, it’s absolutely and undeniably a truth of humanity. No matter how much you attempt to ward off bad germs, filth, or whatever else, your body is still subject to some foreign bacteria or viruses that can completely overtake it. (Sounds a bit morbid now that I’ve put this into writing.)

Luckily, medicine has advanced leaps and bounds the more our technology moves forward. Things become cheaper. Studies become more abundant. And doctors become more knowledgeable and prevalent. It’s quite a wonderful commodity that the majority of us in developed countries take for granted. Sadly, the advances of medicine still fail to reach some of the more remote and underdeveloped parts of the world.

Regardless of how far it has reached, there are still some things we can do for our own bodies and families to help negate a lot of the risk that some of these deadly illnesses pose. From eating healthier and exercising more to investing in better products to help clean our homes, we have some degree of control over our health and sanitation.

But when we’re still left at the mercy of some of these illnesses, only one step remains that can help to protect our family and loved ones: disability insurance.

You may be asking “What?” right about now. And rightly so.

A lot of people don’t realize that the number one reason Americans need to have disability insurance isn’t because of work-related injuries or even freak accidents off the job. Rather, it’s because of disease and illnesses that can strike at any time. There are more people who claim their insurance because of sickness than those who claim it because of physical injury.

There’s no denying the power that this sort of insurance holds when we work in jobs that subject us to heavy machinery and heights. These sorts of jobs pose significant risks, and having proper insurance for them is absolutely important if you are going to throw yourself out there for the sake of the company.

But for the rest of us who work in offices or places that pose no harm, we may feel safe pretty often. The problem is, no one is safe to random happenstance. And sometimes, it seems that that’s exactly how stronger strains of viruses and bacteria function.

Don’t be unprepared by not having this type of coverage. Secure it. Lock it down. And be prepared.