Point of View

UNITED STATES—Moving someplace new is a big decision, not at all the kind of thing you should take lightly. There are so many factors to consider, however, that it can be tricky knowing which ones matter most. Before you start browsing listings for Mountain View apartments, here are a few things to think about that could help you determine if...

UNITED STATES—Reader Alert: I have been informed from clients during a Toni Says® Medicare consultation that they have received either calls on their cell or home phone or by mail from either Social Security or the IRS claiming that they owe money, are being held liable and that their Social Security check has been suspended due to COVID-19 issues. America...

UNITED STATES—Hello Toni: I retired in April and had a telemarketing agent help me find a Medicare Supplement which began May 1, 2022. No one told me that I had a specific amount of time to enroll in my Medicare Part D plan. I have a serious health issue with Crohn’s disease and should have enrolled at that time...

UNITED STATES—Hello Toni, I have a $2,000 doctor bill with a new cardiologist and Medicare says they will not pay. I recently retired and enrolled in Medicare and a Medicare supplement for the freedom to pick my own doctor! This is too confusing for me. I need some advice…Thanks, Joey from Cleveland, OH. Hello Joey: I rarely see a problem with...

UNITED STATES—While traveling opens you up to fun and fulfilling experiences, we all know it isn’t a cheap affair. This is why we wrote a previous post on ‘7 Ways to Manage Your Money While Traveling Abroad’, starting with comparing domestic and foreign currencies to have an accurate idea of the budget you need throughout the trip. But given these tight...

UNITED STATES—This is a column I’ve wanted to do for quite some time, and with retailer Toys R’ Us shutting its doors, we have to discuss rather we could soon see the demise of large big box retailers. I have seen a lot of retail chains shut its doors during my lifetime. There were stores like Montgomery Ward, Mervyns,...

UNITED STATES—I’ve talked about the issue of temptation in the past, especially in the world of materialistic things. As Americans, we are inclined to buy because we just have that instinct to do it. This is very common for those of us who have jobs. You work hard, you play hard, or in other words, you pay your bills...

UNITED STATES—This week I found myself in a bit of a predicament. I had to swallow my pride and apologize for being a complete a**. I’ve been told I can have a bit of a temper, but I like to believe I am able to control my temper for the most part. Only a few things annoy me: people...

UNITED STATES—I recently had this debate with someone and it was bit heavier than I thought. When you think of the words ‘exhausted’ and ‘tired’ many would argue they are the same thing. When I think of the word exhausted, it reminds me of just being burnt out; your body has reached its point of no return. When I...

UNITED STATES—Man, the past 2 weeks have been brutal in my neck of the woods, when it comes to the weather. I have NEVER and I mean NEVER been a fan of summer. Don’t ask me what, when and why, but I don’t do well with excessive heat and humidity. It just places me in a foul mood and...