Financial Blog

Career Coaching Television Interview with Brad

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Here is the link to my television interview with Sheba Turk, which aired Tuesday, October 29 at 9:00 PM. She was great to talk to and you just gotta love the name — Sheba Turk! As far as I know, this is her real name and not a name that was created just because it sounded cool!

In this newsletter, I want to briefly cover the points that I mentioned in the interview. Keep in mind the topic: Moving from a Dead-End Job To a Fulfilling Career.

  • Change is Possible – Recent research shows that only 30% of US workers are engaged! The flip-side of this is that 70% of US workers are either bored to tears with their work or working to actively undermine the very company that they work for. Based on this research, most US workers need a job change. If a guy stuck in a cubicle (me!) talking on the phone all day can transition to meaningful and fulfilling work, then so can you!
  • Seek Help – If you are one of the 70% who hates their work, chances are you have lost sight of who you are, your unique strengths, and the tremendous contribution that you can make  to this world. Although a career coach can definitely help you to get back on track quickly, you may eventually accomplish the same results with a friend. Tim Ferris — author of The Four Hour Workweek — did exactly that with a close friend of his. Anytime that Tim felt like his friend was getting off track and no longer pursuing his dream, Tim would give his friend a call asking, “Have you become the overweight bald man driving the red BMW convertible”? For Tim and his friend, this served as a metaphor for those who were just working a mundane day job, awaiting retirement. These phone calls served as motivation to begin pursuing the dream again.
  • Take Action! –  I placed the exclamation point there for emphasis! I have had clients who recognized that change was possible, sought help, became reacquainted with their strengths and again believed that they had something to offer the world. But sadly, they did not take action. One of the task in coaching is to identify sabotagers – characteristics or habits that will sabotage your success. I have had individuals who — through coaching — had identified great job possibilities. However, in their desire to have the most perfect resume ever created (which would not guarantee a job anyway!), they procrastinated and never sent the resume within the deadline. You must take action and not just talk about it.

Yes, based on my television interview and work with clients, change is possible! Call me at 504-298-2896 and let’s start that process today.

Brad Moore

Help in Finding a New Career (& Not Just a Job!)

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resume', career coach



Time and time again, I hear comments that go something like this: I do not need a job… I need a new career!!

Because of my own past experiences looking for a career (rather than a job), I totally get that. Sadly, I was 44 years old (prehistoric, right?) before I found a career.  It’s my hope that you will  NOT be prehistoric by the time you find your career! At the same time, I never look at any experience – even when it’s horrible – as being wasted.

This exercise is very simple but it can reveal so much about who you are and what you love. Here’s how it works…

  • Print a copy of your resume’.
  • For each job that you have done, give it a ranking from 1-10. A “1”  indicates that you were completely miserable in that job. On the other hand, a “10” means that you love the job and probably would’ve done it for free (well… maybe not for free!).
  • For each job, right down the different tasks associated with that specific job (hopefully, you will have most of this information already on your resume’). Now, I want you to rank each task in the same way that you ranked each of your jobs.
  • Take  note of every task that is ranked “7” or higher. For whatever job that you choose, make sure you are doing plenty of these types of activities. If you haven’t really had a “real job” yet, then think of different chores, activities, or hobbies that you have had  over the years (mowing grass, collecting baseball cards, cooking meals, etc.).

This simple exercise can prove incredibly helpful! However, this exercise alone may or may not be enough to help you find your new career and work that you love. Here’s the types of people that I have observed…

  1. Always Known folks –  These folks drive me crazy! It just seems that they have always known what they wanted to be when they grew up. One of my closest friends, Paul, knew from birth (at least it seems that way!) that he wanted to be a medical doctor. Guess what he is now doing? Of course ..the doctor thing.
  2. Stumblers – These people don’t really have a clear idea of what they need to be doing. However, at some point in life they luckily Stumble into work that they love. Know anyone like this?
  3. People Like Me – For these folks, sometimes it seems impossible that they will ever find work they love. I was sometimes told that I could do anything I wanted — which only makes things worse! I am trying to narrow things down here — not find new possibilities! I suppose that People Like Me can eventually find their own way.  However, I was never able to do so.  I needed a coach to help me find a new career.  Would I have figured it out after five years? Maybe so…but I am so glad that I did not wait that long.  If you have ever had a job that you hated, even one day often feels like an eternity. And what about the stress that it puts on your friends/family as well as your health?

If you have a second, I would love to hear how this exercise goes for you!

Brad Moore
Serving New Orleans, Baton Rouge, the Northshore, SW Louisiana, S Mississippi & the World (Skype or phone)
Office Phone: 504-298-2896
Cell Phone:  337-912-8319

Job Interview: Would You Commit Based on a Single Interview (Date)?

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I recently was on a talk show with Spud McConnell of WWL Radio. We talked about difficulties facing the Millennial generation as they enter the job market, especially in job interviews. It seems that some folks from this generation are doing some rather odd things when it comes to interviewing.

  • bringing a box of donuts into the interview because there was no time to eat before the interview
  • wearing flip-flops and a T-shirt into the interview
  • interrupting the interview to check up on a pet, who was left of the car

Isn’t this hilarious? Listen to the interview for several more like the above!

I want to cover a few things in more detail in this post then I could on the talkshow.  The first deals with company research. I reckon that doing research on a company is much like dating. Let me explain.  Most girls that I have dated (and that’s not a really long list!)  attempt to project a very positive image. It is only later, after multiple interactions and maybe a few fights or breakups,  that I learned that she is not perfect — much like me!

With LinkedIn, you can find out former employees of the company and then contact them to find out the truth about a company — or at least their version of the truth. Of course, keep in mind that some people are going to be miserable regardless of where they work . I am going to walk you through this as if I were wanting to know the truth about Money Management International, my former company.The first step is to make sure that you are registered on LinkedIn. Then, you want to click on “Advanced”  up in the top, right-hand corner by the search box (see below). When the page below comes up, want to complete the company slot with the name of the company that you are researching. Underneath that, you want to choose “past not current” so you can see the past employees of the company.




And Voilà…there you have it! If you cannot find a way to contact any of these folks through LinkedIn, you ought to be able to do it in an alternative way considering all the information on the Internet. If you’re still not sure, read The Four Hour Workweek by Tim Ferris. If you’re still not sure of how to do it, contact me. Again, this research thing is like dating. You do not want to commit until you know the whole story rather than the public image.





One more thing I wanted to cover is that job seekers need to ask questions during the interview. Did you know that the word “interview” comes from a Latin word that means “to see about each other”? This is not an interrogation that you must survive. Rather, they are seeing what you have to offer — and you are seeing what they have to offer. If it is not a good fit, then both of you need to look elsewhere. Here are a few good questions as you see about the company….

  • What would a typical workday look like?
  • What does the typical career path for this job look like?
  • Do you have continued development or educational programs to enroll in?
  • How would you describe your company culture? (you may get better information from former employees)
  • What are your major competitors?
  • What upcoming changes do you see in this industry and how are you prepared to deal with that?

If you are like me and don’t even know which jobs you should be interviewing for, you ought to consider career coaching.  Talking to a career coach and making a career change has been one of the smartest, life-changing decisions that I’ve ever made!

Happy Job Searching and let me know if you need anything!


Brad Moore
Serving New Orleans, Baton Rouge, the Northshore, SW Louisiana, S Mississippi & the World (Skype or phone)
Office Phone: 504-298-2896
Cell Phone:  337-912-8319

Do You Need a Career Change (And More Income)?

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Is bringing home a sizable paycheck enough reason to remain in a job you hate? Career coach Dan Miller, in his book 48 Days to the Work You Love, tells the story of a young, Harvard-educated surgeon. As is the case with many young folks, he had unwittingly followed the career path of both his father and grandfather. Although he accumulated wealth and  was able to obtain and experience most anything, there was one slight problem. He was MISERABLE! He was miserable because he hated his job. In fact, he was miserable to the degree that he entered a psychiatric hospital to treat a heroin addiction! Thankfully the story does not end  there, The surgeon sought help from a career coach and was soon able to make a career change (I love happy endings!).

Next is this miserable guy named David – a guy I happen to know personally. Here is what he wrote shortly before he quit his last job.

I am miserable with my job. I repeat the same speech 5x a day while sitting in the same chair in the same office. I have been depressed during this time but have not been able to find any other job. At times, I have stopped searching because it has seemed like it was a waste of time and I would be stuck in this job ’til the end of time.

I suppose I could be missing something here…but it seems that this guy was NOT very happy either. Was a paycheck enough to keep David in his job? NO!!! In fact, this story has a happy ending also.  David visited with a life coach for several weeks, became reacquainted with his strengths and what he could uniquely contribute to this world, and was empowered to make a huge CAREER CHANGE in his life. Money just wasn’t enough to keep David chained to a desk ’til the end of time. (By the way…my middle name is David!)

OK..Brad…I get it that you and Mr. Harvard-educated surgeon were not happy with your jobs..but what in the world does that have to do with finances?

Great question and I’m glad you asked! Dr. Thomas J. Stanley, in his book The Millionaire Mind, studied how millionaires think, along with their defining characteristics.  Interestingly enough, factors such as GPA and IQ had NOTHING TO DO with financial success. Rather, the single characteristic that all the millionaires had in common was that they were all DOING WORK THEY LOVED! Could it be that part of being successful financially is finding work that you love doing? By the way, if you need to back up a step and discover what you love doing (before you can make the big money), you may want to look into career coaching.

What have you found to be true in your own experience? Are the wealthy people you know doing work they love? On the flip side, are folks who are living paycheck to paycheck more likely to be in jobs they hate? (Click on the COMMENTS bubble next to the title)


Brad Moore
Serving New Orleans, Baton Rouge, the Northshore, SW Louisiana, S Mississippi & the World (Skype or phone)
Office Phone: 504-298-2896
Cell Phone:  337-912-8319

Save Money (Possibly $1 Million?) on your Phone Bill

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The City of New Orleans expects to save about $1 million annually by switching from traditional landline phone service to VoIP – or Voice over Internet Protocol. Just to put that in perspective, the city usually spends $3 million per year on telephone and data. The City of New Orleans joins a growing list of other companies or entities who are saving money by switching to VoIP including Ford Motor Company, Bank of America, and the City of Lincoln (Nebraska). Another Louisiana entity, auto-insurer USAgencies of Baton Rouge, also recently changed to VoIP.

A brief history is in order. VoIP was first used in the mid-1990’2 because it saved significant money on overseas phone calls. However, call quality was very inconsistent and often resulted in dropped calls. Fast forward to 2013 and the industry has completely changed…and to the business owners’ advantage! Software and hardware improvements have brought the industry to the same level – and many believe to a higher level – than traditional landline services. Traditional landline company Bellsouth, not wanting to be left behind, will soon (and may currently) offer VoIP services. In fact, PC World (based on research by In-Stat) estimates that 80% of businesses will use VoIP phone systems by 2013!

Razorline (VoIP company) of Baton Rouge cofounder Gene Dry approximates that a business with 30 phone lines can save money — approximately 30-40% by switching to Razorline. This sounded great to me. However, I am a natural-born skeptic and needed to ensure  that this was AS GOOD AS ADVERTISED! I called to receive a quote and spoke to a nice young lady named Michelle (although I called three times, I spoke to a living, breathing human each time rather than voicemail….amazing!). The quote was based on a business owned by my friend in the New Orleans Metro area.

His phone service includes the following:

  • 5 phone lines
  • 1 fax line
  • internet and a static IP for the alarm system

His current provider, AT & T, was charging $485 monthly. By switching to Razorline of Baton Rouge, my friend would pay about only $328 monthly —- a 32% savings! End of story, right? Not quite. We decided to give the original provider, AT & T, a chance to redeem themselves. To our surprise, they came through with a quote for $197 per month – a huge 59% savings!!! Now what can we learn from this? Always obtain at least 3 quotes. Allow businesses to work and negotiate hard for the privilege of being your provider. It might just cut your costs in half – or maybe even more than half!

On a more personal note, you may also use the VoIP option to save on your personal phone bill. What appears to be the least expensive of these options is MagicJack. In fact, I spent $31.43 on my phone bill for the entire 2011 year. However, you need to know all the disadvantages and advantages before choosing this option. What “savings secrets” might you have related to your telephone bill? Please share in the comments…


Brad Moore
Serving New Orleans, Baton Rouge, the Northshore, SW Louisiana, S Mississippi & the World (Skype or phone)
Office Phone: 504-298-2896
Cell Phone:  337-912-8319

“What Are You Teaching Your Kids About Money?”

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start saving

During my financial coaching, I usually do a free consultation so that the potential client and I can learn a little more about each other to see if coaching would be a good fit. One of the questions I always ask a parent or parents is this: What are you teaching your kids about money? About 95% of the time the phone suddenly goes silent. I feel as if I can hear the wheels turning…

  • “Maybe I haven’t been doing the right thing by giving little Bobby any and everything that he wants (and sometimes screams for!)”
  • “What do you mean? I am supposed to be teaching my children about money??”
  • “My oh my….I sure hope little Bobby is not drowning in debt one day (like I am)!!”

This naturally leads to the question: How can I teach my children about money? Here are just a few suggestions. Keep in mind that there is much more that could be written on this subject besides just this one article.

Don’t do the allowance thing! Since when have you received free money for anything? This will only teach your children – in the words of one of my clients – that money grows on trees. So just find yourself a good money tree…and you are set for life! Rather than giving your children money, allow your kids to work for money (like you do, right?)!!

My 10-year old has become incredibly vigilant in regards to recognizing opportunities to earn money. At the beginning of this school year, he put up the dishes in the kitchen cabinet without being asked and without being promised a paycheck. Moreover, and perhaps the greater miracle, he did not break a single dish! As far as I was concerned, it was now his job and we quickly negotiated a financial package.

If your children will not do their work in the time and manner that you (the loving boss) wants, then do it for them! Okay…Brad…that doesn’t even make any sense after you just gave your first suggestionYou are right…but there’s a really cool catch!  I do indeed do their job, but I do not come cheap. In fact, I charge VERY HIGH FEES…which they are required to pay. So either I will pay my children – or my children will pay me! In the real world, you could easily be fired for not performing your job correctly. But I’m a very nice, loving dad, choosing to reduce their paycheck rather than fire them. Also, my pool of job applicants for family jobs stands (and hopefully will continue stand) at only three!

So…now there’s no more yelling and screaming to clean their room! Not to digress too much, but my yelling and screaming leads to NOTHING POSITIVE in my relationships with my children (remember I have a psych degree also!). I just relax in the easy chair while they do their work. If they choose not to, then no problem…I calmly do it for them, earning a little spending money to boot. Let me ask you a question: have you ever seen your children sprinting through the house so they can clean their room (before you do)? It’s a truly awesome sight and makes parenting great fun!  Do you think that sounds mean and ogre-like? Actually, I think the yelling and screaming sounds much worse!

When it’s time to do clothes shopping for school, give them a set amount of money and let them do their own shopping Have you ever observed your teen perusing the sale ads from the Sunday paper? It will happen if you do NOT give them too much money. But if you give them $2000, then you are defeating the purpose. If you need to provide additional money later so your child does not have to show up their first day at school without shoes and underwear, then do so. The idea is to teach them to make wise spending decisions.

Like I said earlier, this article does not give you exhaustive information on teaching your children about money. But it can help to get you pointed in the right direction. If you have failed miserably up to this point in time, then forget about the past and move forward from here. Perhaps you need a good financial coach (hint, hint) to help you get on-track so you’re prepared to teach your children. Or what about a high school junior or senior financial coaching package – before the college credit card barrage begins!

Before I sign off, I want to provide you the opportunity to share your stories. By no means do I have the market cornered in terms of teaching children about money. I know some of you have great stories because I have heard some of them. Please help us all by sharing in the COMMENTS at the top of this article…

Brad Moore

Is It Possible to Budget in Only 30 Minutes a Month? Part II

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 cropped image of a stopwatch on white

Now….(drum roll in background) for the moment you have all been waiting for! For the month of August, it took me a TOTAL OF 36 MINUTES to manage the family finances!!

While I did not quite achieve my goal of 30 minutes, I still think my effort was worthy of a silver medal (Chinese national anthem playing in background). Let’s just say I made a few mental mistakes. The first instance occurred when I wasted 5 minutes searching for a password! Another time, I also wasted about 5 minutes trying to recall what some of my expenses were and which budget category they belonged in. For example, did I spend $5.43 at Walgreens on medicine (medical category) – or was it milk (grocery category)?

The important thing is that I now know that a person can manage their finances – including tracking their expenses, paying all bills, and keeping budgeting categories updated – in only 30 minutes a month! No longer do you have to choose between two extremes: spending too much valuable time as you achieve financial health…..OR being footloose,  fancy-free, and flat broke by the third week of the month! Now…you can play golf EVERY WEEKEND, all the while knowing your finances are in perfect order.

Here is a real quick summary of our August 2012 money management:

  1. 7/30 (12 minutes) – Money was moved into the proper accounts in order to be prepared for the challenge. This also took way too long!
  2. 7/30 (2 minutes) –  I withdrew money from the ATM.
  3. 8/3 (2 minutes) – I checked the online balances in our accounts.
  4. 8/? (3 minute) – An email was sent to Capital One concerning a problem with our account.
  5. 8/11 (2 minutes) – I withdrew cash from the ATM again.
  6. 8/18 (3 minutes) – All of our bill (7-8 total bills) were paid.
  7. 9/4 (12 minutes) – I updated all of our budget categories to help us make future spending decisions. As you may notice from the date, I did this quite a few days later than what I ought. The key to avoid making such an error is to never think, ‘it’s only a little category 1 hurricane…surely it won’t hurt anything!’ Needless to say, we saved big-time on electricity since we were without it for 5 straight days!


Although I will not go into great detail here, one thing that has really helped me to be more efficient is using bill pay through my bank. Here’s a few ways it has helped…

  • Given me control over when the bills are paid rather than my bank (auto-draft)
  • Much speedier than paying bills by hand
  • Avoids $27.00 paper checks charge (and I guess that makes me more green, right?)


So there you have it! A total of 36 minutes! I have been refining and tweaking this process now for about five years. Although utilizing your bank’s bill pay feature will not reduce your monthly financial management time to 30 minutes, it will serve as a good first step. Now what about you? Have you used bill pay and what are your comments about it?  (click on the ‘COMMENTS’ bubble at the top of this article to respond)


Brad Moore
Serving New Orleans, Baton Rouge, the Northshore, SW Louisiana, S Mississippi & the World (Skype or phone)
Office Phone: 504-298-2896
Cell Phone:  337-912-8319

Is It Possible to Budget in Only 30 Minutes a Month? Part I

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how to budget, paycheck to paycheck

Sorry for the long absence! My family and I enjoyed an incredible, hopefully-not-once-in-a-lifetime, two-week vacation to Israel! But that was back in April. I guess it would be a long stretch to claim that I’ve finally worked through the jet lag and now written a blog post again? Needless to say…I am back. And I have had plenty of time to think through some ideas I want to share. Here’s the first…

I want to see how much TOTAL TIME I SPEND ON THE FAMILY FINANCES during the month of August. Something that I hear quite frequently from clients is that budgeting just takes too much time! Based on some of my past budgeting “adventures”, I would agree!  Would more folks budget if it did not require so much of their time? My guess is yes.

Here’s just a brief history of a few of my previous attempts at budgeting…

1. The Crown Financial Ministries guy’s method – Kelli and I met with a Crown Financial Ministries budget coach 7-8 years ago. He advised me to log all my transactions into both my checkbook register AND in a notebook divided into our different budget categories. This is known as a double-entry bookkeeping system. Perhaps this method helps with accuracy but it was SOOO TIME-CONSUMING to do all of this by hand!!! I found myself spending at least 1.5 hours every Saturday morning along with approximately 2 more hours as needed throughout the month. That amounts to a total of 8 hours per month managing the family finances!

What could YOU do with 8 more hours a month? Here’s what I came up with:

  • log a few extra miles rollerblading or jogging along the lakefront
  • enjoy some sun with the family at Gulf Islands Waterpark (and utilize our season passes again!)
  • enjoy another seafood platter at what we consider the best the best N’awlins seafood restaurant (at far): Lakeview Harbor Restaurant & Bar
  • go camping with the family at Chic-Fil-A again…and win free value meals for a year
  • drink lemonade on the front porch in the cool of the evening and write another blog post

You get the idea.

2. Mvelopes online budgeting software – After a short stint struggling with the 8-hours-monthly method, I graduated to using an online budgeting program called Mvelopes. This program reduced my monthly money management time by approximately 6.0 hours. So now we were taking about 2 hours per month to manage the family finances – a marked improvement! But for someone who has an extreme efficiency compulsion, it was still TOO MUCH TIME!

And we still found ourselves falling behind – which resulted in budget categories failing to be updated. This, in turn, meant we could not decide to dine at Outback Steakhouse until we had updated our budget categories on the computer.  What a pain! Of course, we could also be financially irresponsible and dine at Outback…not knowing if we actually had the money to be dining out. My eventual conclusion: Even 3.5 hours monthly was too much time to spend managing the family finances.

So now I have done a little tweaking and thinking about how I can spend even less time managing the family finances.  For the month of August, I will consider myself as having WON A GOLD MEDAL IF I CAN SPEND 30 MINUTES OR LESS managing the family finances. That includes but is not limited to tracking my expenses, paying regular bills, and updating our budget categories. But all of this is for my next post….so stay tuned.

So what about you? Have you figure out how to budget? How long does it take you each month to manage your finances? And what methods have you tried?  (click on the ‘COMMENTS’ bubble at the top of this article to respond)


Wealth Secret Part II: Don’t Complain!

By | Financial Blog | 5,949 Comments

 hate my job

A couple of weeks ago, we discussed one of the traits that all millionaires share. Surprisingly, the trait was that all the millionaires surveyed were doing work they loved. Today, we will focus on another trait of millionaires.

Before we do, I wanted to include a rather lengthy but pretty awesome story.

Years ago, my friend, Harvey Mackay, told me a wonderful story about a cab driver that proved this point.

He was waiting in line for a ride at the airport. When a cab pulled up, the first thing Harvey noticed was that the taxi was polished to a bright shine. Smartly dressed in a white shirt, black tie, and freshly pressed black slacks, the cab driver jumped out and rounded the car to open the back passenger door for Harvey.

He handed my friend a laminated card and said: “I’m Wally, your driver. While I’m loading your bags in the trunk I’d like you to read my mission statement.”

Taken aback, Harvey read the card. It said:

Wally’s Mission Statement:
“To get my customers to their destination in the quickest, safest and cheapest way possible in a friendly environment.”

This blew Harvey away. Especially when he noticed that the inside of the cab matched the outside. Spotlessly clean!

As he slid behind the wheel, Wally said, “Would you like a cup of coffee? I have a thermos of regular and one of decaf.”

My friend said jokingly, “No, I’d prefer a soft drink.”

Wally smiled and said, “No problem. I have a cooler up front with regular and Diet Coke, water and orange juice.”

Almost stuttering, Harvey said, “I’ll take a Diet Coke.”

Handing him his drink, Wally said, “If you’d like something to read, I have The Wall Street Journal, Time, Sports Illustrated and USA Today.”

As they were pulling away, Wally handed my friend another laminated card.
“These are the stations I get and the music they play, if you’d like to listen to the radio.”

And as if that weren’t enough, Wally told Harvey that he had the air conditioning on and asked if the temperature was comfortable for him. Then he advised Harvey of the best route to his destination for that time of day. He also let him know that he’d be happy to chat and tell him about some of the sights or, if Harvey preferred, to leave him with his own thoughts.

“Tell me, Wally,” my amazed friend asked the driver, “have you always served customers like this?”

Wally smiled into the rearview mirror. “No, not always. In fact, it’s only been in the last two years. My first five years driving, I spent most of my time complaining like all the rest of the cabbies do. Then I heard the  personal growth guru, Wayne Dyer, on the radio one day.

He had just written a book called “You’ll See It When You Believe It”. Dyer said that if you get up in the morning expecting to have a bad day, you’ll rarely disappoint yourself.

He said, “Stop complaining! Differentiate yourself from your competition. Don’t be a duck. Be an eagle. Ducks quack and complain. Eagles soar above the crowd.”

“That hit me right between the eyes,” said Wally. “Dyer was really talking about me. I was always quacking and complaining, so I decided to change my attitude and become an eagle. I looked around at the other cabs and their drivers. The cabs were dirty, the drivers were unfriendly, and the customers were unhappy. So I decided to make some changes. I put in a few at a time. When my customers responded well, I did more.”

“I take it that has paid off for you,” Harvey said.

“It sure has,” Wally replied. “My first year as an eagle, I doubled my income from the previous year. This year I’ll probably quadruple it. You were lucky to get me today. I don’t sit at cabstands anymore. My customers call me for appointments on my cell phone or leave a message on my answering machine. If I can’t pick them up myself, I get a reliable cabbie friend to do it and I take a piece of the action.”

Wally was phenomenal. He was running a limo service out of a Yellow Cab. I’ve probably told that story to more than fifty cab drivers over the years, and only two took the idea and ran with it. Whenever I go to their cities, I give them a call. The rest of the drivers quacked like ducks and told me all the reasons they couldn’t do any of what I was suggesting.

So does does there exist a relation between complaining and income? I would expect that Wally would say that there is! T. Harv Eker, in his book Secrets of the Millionaire Mind, examines the differences between how wealthy think versus how those who are not wealthy think. Eker says that wealthy people believe, “I create my life.” On the other hand, those who are not wealthy believe, “Life happens to me.” Interesting!! Moreover, the actions that lead to this “Life happens to me” mindset are blameing, justifying, and (drum roll!)….COMPLAINING!

I don’t know about you…but this really speaks to me. The funny thing is that I had read something similar many a time from the Bible: “Do everything without complaining or arguing.” Yet, it had failed to have the impact that reading Eker’s book did. Not only have I been more conscious of complaining in my own life, but I have become hyperaware of it in regards to my children! Now, when one of them complains (or “wishes” as one of them prefers…yet still is a form of complaining), we often send them to their room. Notice I am not saying they can’t speak to us about things they might like to see changed, but rather the habitual complaining and whining that keeps them in a perpetually unhappy state.

So what do you think? Does complaining lead to a victim (aka “Life happens to me”, unhappy mindset)? How has complaining affected you? (click on the COMMENTS bubble at the top of this post and share with us)

Lowering Your Local & Long Distance Phone Bill

By | Financial Blog | 6,648 Comments


In the recent past, I worked for Money Management International in an incredibly boring  job doing reverse mortgage counseling (click here to read how I moved from a job I hated to a job I actually enjoy). By the way, a reverse mortgage is one of the worst “deals” out there…do NOT do it unless it’s the only way you can survive financially. Anyhow…in searching for the silver lining in one of the most difficult working experience in my life, I recalled one of my clients voicing the incredible benefits of a device called MagicJack. A few years later, I remembered what this fellow had said and I decided to try it out for myself.

Just in case you are wondering if this is credible or not….it has been featured in the New York Times, CNBC, and was named 2008 Editors’ Choice Award in PC Magazine.

HUGE Advantage: Local & long distance phone bill were cut by 92% (paying $391.37 annually to Cox dropped to $31.43 annually being paid to MagicJack)

Other Advantages:

  • if you have a laptop, you can carry your MagicJack with you because it plugs into your computer’s USB port (however, there is now MagicJack PLUS which plugs directly into an electrical outlet for any non-computer users)
  • if you are unsure about purchasing MagicJack, you can give it a try for 30 days and see how it works for you (if you are not satisfied, return it to Best Buy)
  • you can listen to your voicemails from your computer (because messages are sent to your email account)


  • you must dial an area code with the number you are dialing  (even if you are calling your great grandmother who lives next door and still uses a rotary phone!)
  • if you have been using the same phone number since you were born, you may not be able to secure that same phone number (this is the reason my mother returned her MagicJack Best Buy)
  • it will not work if the electricity goes out (but either would Cox because both phones require and utilize the internet)
  • lousy customer service

A more significant disadvantage is the customer service. It’s only available via chat (i.e. no telephone customer service). Honestly, I tried the chat thing today and it was pretty lousy –seemed like the agent was trying to keep up with 20 chats at the same time! He was not even answering my questions (perhaps someone else’s??) as you can observe below. By the way, this is the actual conversation – although I did insert the words in parenthesis so it would make more sense.


BRAD: so what would that bring it (the price) to? i am doing an article and don’t want to miss this by even a penny

Irvin: I’m sorry for the delay. I’ll be right with you.

Irvin: Do you want to purchase the device now?

BRAD: no…just want answers…i am doing an article…please help so i don’t have to include (bad) comments about mj (magicJack) support

BRAD: do you have an affiliate program?

Irvin: Both regular magicJack and magicJack Plus have one year free service.


Anyhow, despite a grade of D- in the customer service area, still made sense for us to purchase MagicJack. Luckily, the only time I have contacted customer service is today…when I was gathering info for this article. Another factor that played into our decision is this is not the only phone we have. We – like most every other American – have cell phones to use if needed.

So what about you? Any MagicJack comments? Have you obtained any great deals on phone service, cable, etc. Do tell in the COMMENTS bubble at the top of the article.