Point of View

Cash Or Credit?

UNITED STATES—Haven’t we all heard that phrase time and time again: cash or credit? It’s that option that tends to be expected anytime we pay for something in most retail stores or any place where we obtain a service. I had that experience this past weekend, while shopping for some items for an impending vacation. It was almost funny...

Lackluster Customer Service

UNITED STATES—Customer service, what happened to it? I remember the golden days where it was apparent that businesses and companies cared greatly about how they treated their customers. That does not seem to be the case nowadays America. I mean we expect it in the retail world, and for the most part I haven’t seen a ton of bad...

James Comey Talks, We All Listen

UNITED STATES—It was perhaps the most anticipated moment in TV history that I can recall in my time on earth. Former FBI Director James Comey testified on Capitol Hill, in front of tons of the Senate Intelligence Committee, not to mention all of America. So many people including myself were glued to the TV screen. I wanted to know...

What Is A Retiree HRA Account?

UNITED STATES—Hi Toni: My husband is an oil company retiree and two weeks ago, we received a letter stating that his employer is terminating current Medicare eligible retirees group benefits with a termination date of September 30, 2021, when the plan renews. His employer has chosen a specific HRA company to help us choose the right Medicare and Part D...

Making Health A Top Priority

UNITED STATES—Oh, I had an interesting weekend to say the least. The past few months have been stressful to say the least; probably chaotic is a better term to use. Like most men, I don’t take my health as seriously as I should, but I got a wake-up call when I suffered from exhaustion. The doctor pretty much laid out...

Its Over, Hooray!

UNITED STATES—Election Day has come and gone, and I can honestly say I’m ecstatic and it has nothing to do with the voting process either. So what am I celebrating? Well, those pesky advertising campaigns that have been airing for what it seems like eons are no more. Jeez, the commercials that are thrown in our faces from political ads...

The Good, The Bad And Ugliness Of Capitalism

UNITED STATES—Capitalism, I know it’s a difficult word for many people to fully grasp, but how can I put this in the simplest terms: it’s all about making MONEY! Capitalism is at the forefront which drives much of the behavior for so many Americans in the economic universe. Business and the economy is run by private owners who look...

Mental Labor Vs. Physical Labor

UNITED STATES—It has been a question that I’ve debated for years and I get plenty of blow back from people that I know all the time. Is a job that requires mental strength more exhaustive than a job that requires physical strength? It is a very loaded question and to be honest there is no clear-cut right or wrong...

Student Athletes Getting Compensation

UNITED STATES—I have been a major advocate for this for years. The fact that Gavin Newsom, the Governor of California has passed legislation that will allow student athletes at community colleges and universities to be compensated while they are in school is amazing. Look, I had the same thought many Americans had before really getting to know student athletes...

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...