Point of View

Hello Toni: I received my payment invoice from the Medicare Part D plan I recently enrolled in, and I am simply confused.  It shows for February 2021 premium $7.30 and February Late Enrollment Penalty $7.60.  I had enrolled in Medicare Part B after losing my job due to COVID-19 layoffs. I applied for Medicare Part B with the Medicare form...

UNITED STATES—I just did something last week that I thought was NOT possible. I went an entire week without any sweets. NOTE: when I say sweets I’m referring to candy, cookies, cake, any baked goods or anything that is not a natural sugar. It was more of an experiment to see if I could accomplish it. What did I...

UNITED STATES—I am technically savvy, but anyone who knows me is aware that I am old school at the same time. Before we had cellphones, the infamous blackberry, the iPad, the desktop computer, the laptop, there was something most people used to keep track of things: paper. Nothing is more helpful to remembering things than jotting them down on...

UNITED STATES—I need a digital detox, I feel like I need it now more than ever. Every single time I think I have a moment to myself something comes up. The iPad is ringing, the cell phone is buzzing, the telephone is ringing, somebody somewhere needs something and it frustrates me to the core. Gosh, I wish I could...

BEVERLY HILLS—I am one of the many millennials that refer to organic, holistic and more natural approaches to health care. However, there are times when you need real old fashioned medical help. Receiving health care isn't a problem for most because we have laws in place to protect patients from discrimination and being denied health care regardless of your...

UNITED STATES—If there is something that I’ve always struggled with is procrastination. For those not in the know, procrastination is when you delay something for whatever reason. I have struggled with this issue greatly since high school, but I have gotten much better. Why? I realize when you procrastinate it only creates stress. Stress is not good people. It...

UNITED STATES—There is indeed a pet peeve that I have and it is when other people count or keep track of your money. Rather you’re married, in a relationship or single people should respect boundaries when it comes to others’ money. Now in a marriage things might be a bit different as you’re a shared union, but even then...

UNITED STATES—Reader Alert: Recently, I have been informed from several clients during a Toni Says® Medicare consultation that they have received either calls on their cell or home phone or by mail from either Social Security or the IRS claiming that they owe money, are being held liable and are being legally sued or that their Social Security check...

SAN FRANCISCO—The property market goes through cycles, no matter where in the world you are. Since property is a long-term investment, supply can run thin after one good year – but a few years down the line everyone is selling again. This is particularly true in San Francisco, which contains some of the most prime real estate in the...

UNITED STATES—Becoming better at something when you are already good at it is a rare trait shared only by some of the most successful people in the world, irrespective of the field. Given that we are discussing the nursing profession here, getting better at your job does not only indicate that you will be paid better, although that is...