Point of View

UNITED STATES—For many Americans, especially if you’re still in school or you have children, they are likely in the chaos of taking exams or preparing to take tests whether it is for the semester, end of the year, SAT, ACT, LSAT, GRE or so many more, test taking is part of education. However, I have started to question the...

UNITED STATES—First, full disclosure: I am a lady, well, most of the time. But I have been female for all of my time and I’m old enough to have been touched or spoken to inappropriately, had a bizarre moment with a doctor and even experienced a thwarted assault throughout my many decades. So I get it. To have our...

UNITED STATES─We seem to be suspended in an alternate universe regarding our laws, our courts and our once revered constitution. How can we explain to students the astonishing civics lesson that is unfolding in this impeachment trial? We have been taught that daylight is the antibacterial solution to subterfuge and blatant lies. Yet our congressional Republicans have been unapologetically opposed...

UNITED STATES—Toni, I am a financial planner with a client who just received a bill for her mother's Medicaid Long Term Care that was cared for at her mother’s house instead of a nursing home. Sue is now stuck with a $67,500 bill that Medicaid says must be paid in full. Her mother died at least 8 months ago. She...

UNITED STATES—Help Toni! I have developed a rare form of cancer that requires the use of proton therapy and my problem is that my employer health insurance does not cover proton therapy.  I must pay all the costs. My oncologist’s office manager advised me that because I am over 65, I may want to apply for Medicare Parts A and...

UNITED STATES—Online gaming has come a very long way in a short amount of time. Here is a look at some of the most defining moments in the evolution of online games. The Creation of Online Games (Before the Internet!) The first significant moment in the evolution of online gaming comes from the early days of packet-based computer networking during the...

UNITED STATES—If you're anything like us, making multiple trips to the grocery store every week is a sad fact of life. Even when we try to get one big weekly haul, there's always something that we run out of or forget.  Food is a necessity, but spending time in big crowds of people who are also not psyched to be...

UNITED STATES—Swedes have a great interest in gambling.  They have been playing at casinos for centuries, but recently they observed a significant change in the casino industry. Firstly, the focus of gamblers shifted from physical casinos to online casinos. Secondly, the Swedish Gambling Act brought in various changes in the way gamblers play. Take a look at the impact...

UNITED STATES—Toni: I turn 65 in May and am covered by my wife’s employer group health insurance. I’m fighting stage 3 kidney cancer and the prognosis is good since I am participating in a clinical trial for a new cancer medication which costs over $20,000 per month. With this clinical trial, I am paying $0 for a medication which...

UNITED STATES—There are quite a few steps that need to take place before you receive a settlement in a personal injury lawsuit. Regardless of whether you feel your case is rock solid, a defendant or their insurance company isn’t simply going to hand you a sizable check to cover your medical bills and other damages. An important and necessary...