Time Is So Precious
UNITED STATES—Time, it is the one thing that we can never get back or replace. Once that time is gone it is gone people....
Working When You’re On Vacation!
UNITED STATES—What has this country come to? It seems like the good ole days of Americans taking personal holidays (sick days) and actual vacations...
Ins And Outs Of Medicare’s “Lifetime Reserve Days”
UNITED STATES—Toni: Can you explain why a hospital employee from the medical claims division asked my husband Greg to sign a form stating that...
Finding That Motivation At Work
UNITED STATES—Motivation is something that is not as easy to find some days. You have good days and then you have other days and...
Save Money Now, Have It For Later
UNITED STATES—Why are we as Americans not preparing for our future more? It is a disturbing trend, but we must understand now is the...
Eat Less, Move More
UNITED STATES—I am just going to call it: we are lazy when it comes to exercise. Too many Americans are gluttonous when it comes...
Will A Medicare Advantage Plan With Prescription Drugs Prevent “Extra” Part D Premium?
UNITED STATES—Hello Toni: I am turning 65 in October, self-employed and my income is over $250K. Recently I received a letter from SSA telling...
School Is Now In Session!
UNITED STATES—For some children, school has already started in several states across the country. For others, they still have a few more weeks to...
Summer Is Over People!
UNITED STATES—I know I am going to catch some slack for saying this, but I am so happy that the month of August is...
Does Medicare Pay For Diabetic Supplies?
UNITED STATES—Dear Toni: I am diabetic and I order my diabetic supplies from a mail-order program through my employer benefits. Recently, I have been...













