Point of View

Help! Medicare Is NOT Paying My Medical Claims!

UNITED STATES—Dear Toni, my husband recently retired from his job and because I am over 65, I needed to sign up for Medicare. I had to go to the local Social Security office with the Request for Employment Information form (CMS L-564) signed by my husband’s HR department to sign up for Medicare Part B. I asked if I...

Public Apologies Mean Nothing!

UNITED STATES—I have heard the phrase what is in an apology more times than I can count. However, with the invention of social media it seems so many people think that social media is the place to go when it comes to issuing what many people deem an apology. You all might think I’m referencing the apology that actor...

Which Californian Lottery Offers The Best Odds To Win A Jackpot?

UNITED STATES—While both on and offline gambling has a checkered history in the US, lottery gameplay has been enduringly popular for years now. This is particularly true in the sunshine state of California, where players have access to a broad range of iconic lottery draws including its own ‘Super Lotto Plus’ lottery that’s exclusive to the residents of CA! We’ve published...

How To Understand Roulette Odds And Increase Your Chance Of Winning

UNITED STATES—Online gambling now represents big business in the digital age, with the iGaming niche worth a staggering $5.9 billion as of September 2021. While this niche is largely driven by online slots (which account for around 70% of the market’s total GGY), table games like blackjack and roulette combine to comprise 15% of the total take. You can read articles...

What Are The Qualifications To Teach English Online And Abroad?

UNITED STATES—The ‘great resignation’ is an unprecedented phenomenon that has occurred in the last two years, becoming widespread worldwide. Recent changes to the work environment in every industry have led people to reflect on their existing situation and reassess their priorities. As a result, many have decided to quit their jobs, ultimately seeking a better work-life balance.  With in-person attendances...

A Perfect Night Of Sleep

UNITED STATES—I absolutely cannot believe what transpired to me this week. For the first time, in nearly 6 months I had what I would call the perfect night of sleep. When I say I don’t sleep well, I absolutely mean it. I cannot recall the last time I slept well in years. Closing your eyes is one thing, tossing...

Think Differently About Money Changes Your Perception On It

UNITED STATES—Money. It is the one thing some Americans have, while others are struggling to get more of it. Money is a complicated thing. I know people like to think you can just clear your mind, put it into the universe and loads of money is going to just start falling in your lap. I wish that was the...

What Is a Medicare Special Enrollment Period?

UNITED STATES— Special Enrollment Period (SEP) This is a period when one is given a chance to join or even make changes to his/her Medicare coverage based on various life events. Examples of these events include; one moving out of his/her plan's service area, leaving a job, and many more. The length of SEP or what one can do during the...

How To Keep The Donut Hole From Getting You!!

UNITED STATES—Toni: Last year, my mother got into the “donut hole” in October. I can see from the Part D statement she receives that she has hit the donut hole in June of this year. Her prescription drugs have not changed from last year. She can afford her co-pays of $180 per month that she pays at the pharmacy. The...

How To Plan Your Perfect Trip?

UNITED STATES—Planning a trip, short or long, can sometimes be overwhelming. There’s so much to think about and organize before leaving that you can end up exhausted. The reality is that what started as a wonderful idea can sometimes become a nightmare for the one who has to organize the adventure, but it doesn’t have to be that way....