David Haynes

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 [...]

I recently saw this phrase, “She sells sea shells by the sea shore” during a recent beach trip. Saying it fast many times can become a little humorous. I have an elderly male client diagnosed with Alzheimer’s and Dementia who can say it five to six times rapidly not missing a word, [...]

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 [...]