An Abu Dhabi teacher found out that a sudden itch all over his body was potentially fatal.
Dale Yost, 66, sought the advice of a dermatologist and was prescribed tablets and cream to deal with the issue.
When the itching persisted, he grew concerned and went back for more tests and blood work at the first hospital he visited. He was told he had gallbladder and bile duct cancer.
It sounds so strange that an itch can be a sign of cancer
“It sounds so strange that an itch can be a sign of cancer,” Mr Yost said.
“They could tell by the scans that my bile ducts were plugged and so all the bile was building in my body and causing jaundice and the itchiness.
“The doctors twice tried to put stents in so that the bile could flow into the small bowel again, with no luck.”
The hospital attempted a biliary drain – a procedure where bile is collected in a bag outside the body.
“I had that pouch on me for a couple of weeks before the hospital recommended that I transfer to Cleveland Clinic Abu Dhabi for the complex surgery to remove the cancer.”
Dr Naveed Ahmed, the surgeon in the Digestive Disease Institute at Cleveland Clinic Abu Dhabi who treated Mr Yost, said they had to carry out a central hepatectomy, which involved the removal of the bile duct and gallbladder, as well as three quarters of his liver.
"About 90 per cent of gallbladder cancers are unresectable [not capable of being surgically removed], so treating with this procedure is quite uncommon," Dr Ahmed said.
“The surgery required a lot of technical capability and a team with expertise in interventional radiology, advanced endoscopy, gastroenterology and wound care.”
Dr Ahmed said the decision to remove such a significant portion of the liver is done only in rare cases.
“If the tumour is on the periphery, you only need to remove the diseased portion, but for central tumours, we have to remove the healthy part of the liver as well to prevent it from spreading.”
While the liver is the only organ in the human body that can regenerate, Dr Ahmed said it depends on how much of the liver can be saved.
“If the remnant is small for the size of the patient, it can be fatal. In Dale’s case, where the cancer had spread outside the liver, a transplant was not an option either,” he said.
“We were lucky that we could preserve a healthy portion, making it possible to save his liver.”
Mr Yost’s liver-related tests show that his liver has grown to a normal size and is functioning at an optimum level.
He is now undergoing chemotherapy to treat the cancer in his lymph nodes.
Mr Yost, who is a father of three and grandfather to 10, plans to retire at the end of the year. He revealed that his family wanted him to return to his home in Canada earlier for treatment.
“If this had happened back home, I would have avoided seeing a doctor because of the wait times to get an appointment,” Mr Yost said.
“The health care in Abu Dhabi, and Cleveland Clinic Abu Dhabi in particular, is superior. You just walk in and an integrated team of physicians, surgeons, dieticians and wound care nurses are by your side to aid your recovery.”
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Tributes from the UAE's personal finance community
• Sebastien Aguilar, who heads SimplyFI.org, a non-profit community where people learn to invest Bogleheads’ style
“It is thanks to Jack Bogle’s work that this community exists and thanks to his work that many investors now get the full benefits of long term, buy and hold stock market investing.
Compared to the industry, investing using the common sense approach of a Boglehead saves a lot in costs and guarantees higher returns than the average actively managed fund over the long term.
From a personal perspective, learning how to invest using Bogle’s approach was a turning point in my life. I quickly realised there was no point chasing returns and paying expensive advisers or platforms. Once money is taken care off, you can work on what truly matters, such as family, relationships or other projects. I owe Jack Bogle for that.”
• Sam Instone, director of financial advisory firm AES International
"Thought to have saved investors over a trillion dollars, Jack Bogle’s ideas truly changed the way the world invests. Shaped by his own personal experiences, his philosophy and basic rules for investors challenged the status quo of a self-interested global industry and eventually prevailed. Loathed by many big companies and commission-driven salespeople, he has transformed the way well-informed investors and professional advisers make decisions."
• Demos Kyprianou, a board member of SimplyFI.org
"Jack Bogle for me was a rebel, a revolutionary who changed the industry and gave the little guy like me, a chance. He was also a mentor who inspired me to take the leap and take control of my own finances."
• Steve Cronin, founder of DeadSimpleSaving.com
"Obsessed with reducing fees, Jack Bogle structured Vanguard to be owned by its clients – that way the priority would be fee minimisation for clients rather than profit maximisation for the company.
His real gift to us has been the ability to invest in the stock market (buy and hold for the long term) rather than be forced to speculate (try to make profits in the shorter term) or even worse have others speculate on our behalf.
Bogle has given countless investors the ability to get on with their life while growing their wealth in the background as fast as possible. The Financial Independence movement would barely exist without this."
• Zach Holz, who blogs about financial independence at The Happiest Teacher
"Jack Bogle was one of the greatest forces for wealth democratisation the world has ever seen. He allowed people a way to be free from the parasitical "financial advisers" whose only real concern are the fat fees they get from selling you over-complicated "products" that have caused millions of people all around the world real harm.”
• Tuan Phan, a board member of SimplyFI.org
"In an industry that’s synonymous with greed, Jack Bogle was a lone wolf, swimming against the tide. When others were incentivised to enrich themselves, he stood by the ‘fiduciary’ standard – something that is badly needed in the financial industry of the UAE."
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Brief scoreline:
Wales 1
James 5'
Slovakia 0
Man of the Match: Dan James (Wales)
The specs
Engine: 5.0-litre supercharged V8
Transmission: Eight-speed auto
Power: 575bhp
Torque: 700Nm
Price: Dh554,000
On sale: now
The biog
Hobbies: Salsa dancing “It's in my blood” and listening to music in different languages
Favourite place to travel to: “Thailand, as it's gorgeous, food is delicious, their massages are to die for!”
Favourite food: “I'm a vegetarian, so I can't get enough of salad.”
Favourite film: “I love watching documentaries, and am fascinated by nature, animals, human anatomy. I love watching to learn!”
Best spot in the UAE: “I fell in love with Fujairah and anywhere outside the big cities, where I can get some peace and get a break from the busy lifestyle”
MATCH INFO
Uefa Champions League quarter-final, second leg (first-leg score)
Porto (0) v Liverpool (2), Wednesday, 11pm UAE
Match is on BeIN Sports
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Director: Rajkumar Hirani
Cast: Ranbir Kapoor, Vicky Kaushal, Paresh Rawal, Anushka Sharma, Manish’s Koirala, Dia Mirza, Sonam Kapoor, Jim Sarbh, Boman Irani
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Types of policy
Term life insurance: this is the cheapest and most-popular form of life cover. You pay a regular monthly premium for a pre-agreed period, typically anything between five and 25 years, or possibly longer. If you die within that time, the policy will pay a cash lump sum, which is typically tax-free even outside the UAE. If you die after the policy ends, you do not get anything in return. There is no cash-in value at any time. Once you stop paying premiums, cover stops.
Whole-of-life insurance: as its name suggests, this type of life cover is designed to run for the rest of your life. You pay regular monthly premiums and in return, get a guaranteed cash lump sum whenever you die. As a result, premiums are typically much higher than one term life insurance, although they do not usually increase with age. In some cases, you have to keep up premiums for as long as you live, although there may be a cut-off period, say, at age 80 but it can go as high as 95. There are penalties if you don’t last the course and you may get a lot less than you paid in.
Critical illness cover: this pays a cash lump sum if you suffer from a serious illness such as cancer, heart disease or stroke. Some policies cover as many as 50 different illnesses, although cancer triggers by far the most claims. The payout is designed to cover major financial responsibilities such as a mortgage or children’s education fees if you fall ill and are unable to work. It is cost effective to combine it with life insurance, with the policy paying out once if you either die or suffer a serious illness.
Income protection: this pays a replacement income if you fall ill and are unable to continue working. On the best policies, this will continue either until you recover, or reach retirement age. Unlike critical illness cover, policies will typically pay out for stress and musculoskeletal problems such as back trouble.
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