Point of View

Career Change Dynamics

UNITED STATES—Something extremely interesting has happened to me in the last week. I have literally had 3 to 4 people tell me that a career change is on the horizon for me. At first I seriously wanted to laugh it off, but then I opened a fortune cookie that said, “You will soon experience a career change.” At first...

Death Looms In Crazy Ways

UNITED STATES—There is one thing in life that we are all promised: death. A tragedy recently transpired in my personal life where a close family member passed away. It was all the more tragic because it was a sudden death that was unexpected. I have been to more funerals in my life than I can count and to be...

Dads Matter Too America!

UNITED STATES—Mother’s Day was in May, and June celebrates Father’s Day. I think Father’s Day is a day that is not as highly celebrated as it should be. Yes, moms absolutely matter, but guess what America: dads should be honored too. It seems we place way more emphasis on Mother’s Day then we do for Father’s Day and I...

Good Customer Service Matters!

UNITED STATES—We have talked countless times in the past about how bad customer service tends to transpire at many of our favorite retailers, companies that provide services and so much more. When you have a bad experience it totally frustrates you in a way that makes you want to never visit that establishment or utilize that service ever again....

Toni Says Medicare Helped Me Lower My Premium!

UNITED STATES—Toni: We get your column in our local papers. From you, I learned about Social Security’s “Life Changing Event” form (SSA-44) and the ability to appeal the extra IRMMA premium we are charged. I had an unusual stock sale in 2017 that put us in the highest bracket. That is not likely to happen again. As soon as I...

Money Does Not Grow On Trees

UNITED STATES—It’s a firm belief that as soon as you get it disappears into thin air. You might have an idea what I’m referring to, but on the other hand some of you still might be in the dark. I’m talking about money. I feel like the more you have the quicker it vanishes from your hands. Money just...

Graduate Gifting Dilemma

UNITED STATES—May and June, those are the two months that highlight milestones for most Americans: graduation season. You might have a youngster graduating from preschool, kindergarten or middle school. Then you have the big events, high school and college graduation. I think the next 5 years, I have graduations to attend, rather its middle school, high school or college,...

Summertime Activities

UNITED STATES—Summer does not officially kick off until June 21, but its warm enough in most parts of the country and the amount of sunlight is stretching beyond 9 p.m. in most parts of the United States. With that being said, many people are spending way more time outside, and that means it’s time to start thinking about summer...

Racial Profiling Still Exists People

UNITED STATES—I felt the need to talk about this column because of the recent incident involving musician Sza at a visit to the Sephora store in Calabasas, California. This column is a difficult one to say the least, but it’s a conversation that we must have. It seems still in the year 2019, race is still a major issue...

Will Medicare Advantage Plan With Prescription Drugs Prevent “Extra” Part D Premium?

UNITED STATES—Hello Toni: I am turning 65 in July, self-employed and my income is over $250K. Recently, I received a letter from Social Security telling me that my monthly Medicare Part B premium of $135.50 would be doubled to $270.90 per month due to 2017 reported income. That was no surprise, but Social Security also said that the monthly...
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