David Haynes

"Long term care" - Three words that can change a family forever. Long term care is not a place. It's an event that can happen to anyone, anytime, and anywhere. Long term care is assistance provided to loved ones because of their inability to perform activities of daily living due to an illness, injury, or progressive, sudden, cognitive impairment such as dementia or Alzheimer’s. [...]

"Hope" is a comforting word that often gives us peace and calmness. It sometimes stirs emotions about our future. However, this word "Hope" may be misunderstood when it comes to retirement planning – particularly when addressing a potential extended personal care event. We call it "Long Term Care". [...]

Long term care. Three words that can change a family forever. Long term care is not a place. It is an event that can happen to anyone at anytime and any age. Long term care is assistance provided to loved ones because of their inability to perform activities of daily living [...]

I interviewed a local college football coach recently and asked how his team was successful. Without hesitation he said, "Off season and pre season practice is the key. It’s often what you do when no one is looking. Gametime is not the time to practice. It’s a time to perform." [...]

Spring marks a new seasonal beginning. It’s a time of packing up winter items and looking forward to better weather and outside events and possibly making impact changes in our lives. It can also be an opportunity of planning. [...]

How often we fail to follow through on the very things that could make such a difference in our lives and the loved ones around us. May 2022 help you reflect on where you are and what you’ve done to plan properly for retirement. [...]

The main objective of my column is to equip and prepare you, the reader, for an unannounced health event leading to a short or long term care event, while protecting you from huge consequences to your retirement plan. [...]

We’ve always been told by our elders, not to take life for granted. Respect and enjoy the freedoms given to us. If we plan for our tomorrows, that often involves insurance that help us manage events that could otherwise have catastrophic financial consequences. [...]

Dave Loggin’s theme song, “Augusta” has graced “The Masters” Golf Tournament television special over the years with its easy piano & guitar duet melody. Whether you are a golfer or not, this reverent, reflective tune reminds me of spring, perhaps closing a chapter on winter issues that dissolve in the beauty of a new season. [...]

Long term care insurance provides dollars to pay for needed care in the home or facility settings in the event of an extended illness or accident. It is assistance provided to loved ones because of their inability to perform the normal activities of daily living due to an illness, injury, or progressive cognitive impairment [...]