David Haynes, CLTC, is an independent insurance broker specializing in long-term care insurance planning.
Written in 1927, this American spiritual many have come to love over the years offers repetitive lines that seek to remind the listener that God is in control of all aspects of our life. We realize how short, fragile and unpredictable life can be in these uncertain times. [...]
Interesting Fact: The tiny slit opposite your sipping hole on the coffee cup lid is a 1980’s creation that allows proper airflow preventing splashes and liquid surges as you drink avoiding scalding yourself. That tiny unnoticed idea placed for a reason is to assist your drinking pleasure. A properly designed long term care plan [...]
Boston College football quarterback, Doug Flutie’s 1984 “Hail Mary” final second, game winning pass against Miami has become an iconic collegiate football play that underscores how quickly an event can change. Flutie later remarked that the play was specifically designed and was practiced hundreds of times never knowing if or when [...]
When is the best time to purchase a generator? Before or after you need it? The uncertainty can be uncomfortable because we don’t know the repercussions of a power outage should it last a long time. It certainly gets our attention and upon restoration we realize how important power is. [...]
"Hope" is a comforting word that often gives us peace and calmness. It sometimes stirs emotions of confidence about our future. One of the most popular lines in the 1994 movie classic "The Shawshank Redemption" says, “Hope is a good thing, maybe the best of things, and no good thing ever dies." [...]
Part of the fun at the end of a meal is reading the fortune cookie. We can’t resist opening that small, floured, delectable cookie to reveal its messages of fortune, predicting success, a bright future, happiness, and pleasures in the days ahead. What the cookie will not tell us is [...]
"May your troubles last as long as your New Year's resolutions." There is much truth in the above catch line isn’t there? 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 2019 [...]
Three words families want to hear are “I love you.” Three words families don’t want to hear are “long-term care.” But these are words that many families learn the hard way when a loved one’s extended care event begins. Long term care is assistance provided to loved ones because [...]
