Published books

Checking accounts, your paycheck, saving accounts, mortgages, credit cards, interest paid, interest earned, credit card interest, banking fees, car loans, home equity loans, stocks, bonds, investments, IRAs, 401Ks, and so on and so on and so on. Throughout our lifetime, we are bombarded with a myriad of financial decisions that we have to make whether we want to or not. It is not unlikely that you will make a decision regarding your finances at least once a day, for the rest of your life. Yet most of us feel ill-prepared to make these decisions. The purpose of this book is to try and show you why these things are setup the way they are, and why, when you are obligated to make a decision, you should choose the RIGHT decision that works for you – not what works for someone else.

Cloud Storage - The Digital Trap NO ONE Saw Coming reveals how cloud storage quietly turned convenience into dependence—and dependence into profit. This book exposes how Apple, Google, and Microsoft built ecosystems that took advantage of this phenomonum. It explores the psychology behind why we keep paying, how younger generations unknowingly reinforce the trap, and why seniors often get stuck in subscriptions they don’t understand. This book isn’t anti‑tech—it’s a clear, practical guide to recognizing the trap, understanding its psychology, and reclaiming control of your digital life.