Legendary singer Dionne Warwick filed for personal bankruptcy.

This singing legend once had seven-figure pay days
and lived the dream lifestyle with all the benefits.  Today, she is
reported to be down to her last $1,000 in cash and holding
a $10 million tax liability with the IRS.

Dionne has sold more than 100 million records and had
some 30-plus single hits.  I am sure you have heard her
on the radio singing “Do You Know the Way to San Jose”
or “I Say a Little Prayer for You”

“So … Read More


I checked my cable bill last month and I noticed that the bill
seemed higher than the month prior. I opened up my account
to compare the previous month’s bill.  It actually was higher.
Why?  I did not add any additional services. I was on a one
year plan for cable, internet, and phone.  So, I called ATT
to find out why my bill increased.

Anytime you call these multinational corporations you have
to go through the maze of phone options to get to
a customer service representative.  After about … Read More



Do you compare your insurance policy rates
when they come up for renewal?

At the beginning of March my
auto insurance came up for renewal.

I received the new policy in the mail and
the first thing I looked for was the new renewal rate.
Of course it was higher than last year. $150 higher.
Why?  I did not file any claims.   I had no accidents
or tickets.   So I scanned the policy to see if the insurance
company added additional coverage to the policy.

One of the reasons for … Read More

Investing in the Stock Market

The United States financial markets are nearing all-time highs dating back to  October 2007.  Many people left the financial markets several years ago when the markets where crashing in 2008 and 2009.  Panic and fear set in for most novice investors.  When this happens you lose.   With Money on Your Terms you win by taking a contrarian approach.

A contrarian approach according to the on-line Webster dictionary at is:  a person who takes a contrary position or attitude; specifically: an investor who buys shares of stock when most Read More

Start the New Year Off Right

We’re one month into 2013. Are you one of the millions who resolved to spend less and save more?

When accomplishing your New Year’s resolutions, you are breaking up hold habits and creating a fresh habit that supports you.  The first step in forming a new habit is changing the way you think.

If you’d like to have more money in your life, take the first step by saying to yourself, “It is time for me to enjoy money on my own terms instead of everyone else’s terms.”… Read More

Having more money in your life, NOW

The other day, while pumping gas, I noticed a receipt from the prior customer hanging from the gas pump receipt dispenser.  On another occasion I saw ATM receipts in the trash at the ATM Machine.  Obviously, this shows people who don’t care about their money. I will go out on a limb here; you can probably find these same people struggling with money each day.

With Money on Your Terms it is about taking care of your money.  It starts with the simple act of managing your receipts.  Keeping track … Read More

Zig Ziglar

Yesterday the world lost the best of the best motivational speakers, Zig Ziglar.  I will always be a big fan of Zig.   I recently used one of his famous quotes in my new book Money on Your Terms.  Zig said, Money isn’t the most important thing in life, but it’s reasonably close to oxygen on the “gotta have it” scale.… Read More

What is the Real Problem?

When there is a problem you have to stop blaming others and take responsibility. We just spent two billion dollars on a Presidential campaign and nothing has changed. We have the same White House and same Congress.

We are approaching a Fiscal Cliff

The underline problem with the Fiscal Cliff is spending. You can not blame it on what happened in the past, you can not blame it on a party. Leadership needs to take responsibility and control spending. With Money on Your Terms it is about controlling your spending.… Read More

Change your thinking

In the media you find that there is a negative presence when it comes to big banks in the US.   How bad they are! How they took advantage of everyone! How the government bailed them out!

If you buy into the media and society’s thinking then you will continue to be the victim to the big banks.  If you change your thinking to ways where you can make money from the big banks and wall street then you are not a victim anymore.  It is Money on Your Terms

Today, … Read More

Money is like oxygen

The famous Motivational Speaker, Zig Ziglar says that, “Money isn’t the most important thing in life, but it’s reasonably close to oxygen on the “gotta have it” scale.” So we all need money for everyday life.

Have you ever thought about Money on Your Terms instead of everyone’s eles terms? Imagine living without a credit card payment, student loan payment, or car payment every month. Wouldn’t that be a freeing feeling.

It is time to start living on your own terms. Become what I call the Debt Destroyer. Eliminate Read More