Point of View

UNITED STATES—Toni: I am turning 65 in March and my individual health plan has a $4,000 deductible which I meet every year due to shots of Lucentis for Macular degeneration which is over $2500 per shot given at the doctor’s office. I also have allergy shots given each week from another doctor. Does Medicare pay for that? My concern is...

UNITED STATES—In recent years, there has been a rise in the popularity of foreign online casinos based in different parts of Europe among players worldwide. The USA is no exception to this trend, and the number of players in the country is growing daily. Many associate the gambling space in the USA with the dazzling casinos in Vegas. However,...

UNITED STATES—Have you gotten gifts for everyone on your Christmas list? I would love to say I have, but nope, I still have 1 person to get a gift for: my mom. It seems every single year she is always that last person on my list that I have to purchase a gift for. She is so difficult to...

UNITED STATES—Hi Toni, I am turning 65 in March 2023, and I was surprised when Social Security told me to go online to sign up. There is not a local Social Security office open that can help me with the online application process. The Social Security rep suggested that I need a “My Social Security Account” to begin the...

UNITED STATES—There is something I have discovered in recent weeks, eating healthy is not easy, but if you commit you will see the benefits long term people. I have no problem admitting that caffeine used to be my kryptonite. I need it to function on days that I have a heavy workload, more so in the form of soda,...

UNITED STATES—To be honest, I do not believe I have a hustler mentality, but people have told me if there is something I want or need I will find a way to make it happen, legally speaking people. I’m not willing to commit a crime to get something that I want. However, I think every American has a hustler’s mentality...

UNITED STATES—Carjacking is the fastest-growing violent crime in America, and there is nothing an average person can do to avoid the situation altogether. If you've ever been involved in a car jack, chances are that you're curious about who would be responsible. This can be one of the most frustrating situations to find yourself in, significantly if your car...

UNITED STATES—The term MUNI refers to a city-wide interconnecting commuter system under management of the San Francisco Municipal Transportation Agency. This institution, established to provide transportation solutions, manages its own fleet of buses, light-rail trains, streetcars and cable cars. Its operation focuses on providing the city with fuel-efficient and environmentally safe forms of mass transit. Throughout the years, the...

UNITED STATES—It is so hard to fathom that in a little less than 2 weeks Christmas will be here. I swear I have no idea what it is about the fall months that seem to move with a rapid succession. September and October are a little slow, but as soon as Halloween comes and goes, it seems like a...

UNITED STATES—Dear Toni, My husband recently had an issue when he fell from a ladder and shattered his hip and broke his right leg. After having emergency surgery, Jim is having a stay in a skilled nursing facility for his rehab to learn now to walk on his repaired hip. I cannot remember specifics about a Medicare skilled nursing rule...