@ddljohn-- Like the article said, it takes a long time for toenail fungus to take over the nail. So you might have to wait for weeks and months to confirm that the white spot is a toenail fungus symptom.
If the white spot doesn't get bigger and if it grows out with the nail, then it's not toenail fungus. If you hit your toe on something, you can get a spot like that. I had one too and it simply grew out with my nail.
If it doesn't grow out with your nail and gets bigger, you can bet that it's the beginnings of a fungal infection.
There are various remedies out there like vinegar soaks, bleach soaks, use of chest rub, mouthwash or tea tree oil. But you might want to see your doctor for a diagnosis and anti-fungal medication instead because these remedies take a long time to work.