Do You Wrap Or Bag Christmas Gifts?
UNITED STATES—You may be surprised to hear this, but I’m quite good at wrapping Christmas gifts, I have been as long as I remember. I think it comes as a direct result of me taking my time when it comes to wrapping gifts. However, as I get older my patience to wrap gifts is starting to wane. Why? I...
Good Customer Service Does Matter
UNITED STATES—It is safe to say the holiday season is going to be all over by the time you read this column and for many Americans including myself I am happy to say so. The holidays just sometimes bring a level of stress that is unwarranted and sometimes taxing on the body. The thing I expect to see during...
Are Injections Given At The Doctor’s Office Covered By Medicare?
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...
Foreign Casinos Entering The US Gambling Market
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,...
Last Minute Christmas Shopping Rush
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...
Be Smart With Spending Over The Holidays
UNITED STATES—We have talked a lot about the holidays in recent weeks, but with that said, the one thing we have not talked about is finances and it is time we chat about it before 2022 comes to an end. Why? A lot of people find themselves breaking the bank and going into serious debt around the holidays. Why?...
How To Enroll In Medicare When Turning 65!
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...
Committing To Eating Healthy, Not Easy But Worth It
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,...
Create A Hustle To Earn Money
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...
Who Is Responsible If A Carjacker Causes An Accident?
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...