do you have the necessary number of electrons to form an 8et on this atom, or a partial number of electrons to add and get closer to an 8et? use the number of electrons necessary to form the 8et on that terminal atom (or whatever number of electrons were available to get closer to an 8et)

oxygen with a hydrogen: O-H is also considered terminal.

(handle only one atom at a time)
remove the number of electrons used from T

(are you left with an odd number of electrons?
if so is it possible you forgot to add the charge?)
continue
  no electrons left at all for this atom.          
 
continue