|Posted by Edna & Roger Boisjoli on August 4, 2012 at 12:05 PM||comments (0)|
You probably get weekly credit card offers online, in the mail or at the checkout of major retailers. Careless acceptance of a credit card can destroy you financially. Knowing a few critical facts before accepting a credit card can save your financial life!
- Closely examine “Introductory Interest Rates.” A “Low Introductory Interest Rate” is a great come-on for credit card companies. These rates are temporary and may increase drastically in a short period of time, locking you into exorbitant payments that you can bury you financially. Before accepting any credit card, make sure you fully understand the potential interest rates both during and after the introductory period.
- Know all interest rates that may apply to your account. Your credit card company will charge a higher interest rate for cash advances and may increase your interest rate if you are past due on payments or over your credit limit. These increased interest rates are in addition to fees that may also be charged for these activities.
- Know when your payments are due and the penalty for late payment. Make sure you understand the due date for your payments and the penalties and interest imposed for late payments. They may be large, cumulative and disastrous for you.
- Know your payment options. You may be able to pay online, by phone or by mail. Some options may carry fees, while others do not. Understand the options and only use the ones that do not impose a separate fee
- Know your credit limit and stay below it at all times. Your credit limit is the maximum debt you are authorized to carry on your credit card account. Most credit card companies will let you exceed your credit limit, but many impose substantial fees for doing so. These fees can accumulate quickly and can result in fee debt larger than your credit debt. Additionally, exceeding your limit may be reported to credit agencies and substantially damage your credit score.
- Know ALL of the fees that can be imposed on your account. In addition to late fees and over limit fees, your credit card company may also charge annual fees, fees for balance transfers, use of ATMs and other actions. Know all of the potential fees and avoid them whenever possible.
- Understand the fine print in your cardholder agreement. Credit card companies know that virtually no cardholder reads the cardholder agreement. It is always very long and printed in nearly unreadable small print. When you accept the credit card you are bound by the cardholder agreement regardless of its length, print size or whether you read it. For the sake of your financial health, take the time to read the cardholder agreement and understand all the obligations and penalties you are subject to BEFORE you accept the credit card. Your financial life may depend on it.
|Posted by Edna & Roger Boisjoli on July 30, 2012 at 1:05 AM||comments (0)|
How do you recognize them?
How do you avoid them?
Find out tonight on our Mentoring For Free teleconference.
You'll hear about famous scams and scammers like ...
* William '520 Percent' Miller
* Carlo Ponzi
* Ivar Kreuger The Match King
* Bernie Madoff
* Surfing Programs
* The Old Airplane Game and the New Gifting Table
* Dona Branca, Protector of the Poor of Portugal!
* Pranks in Piggyland
Saturday July 28 at 8:55 pm
Richard Dennis interviewed Bob and Anna Bassett
about how to avoid the Ponzis and the Pyramids.
This will be a fun call, and will help you keep your
money in your pocket.
The call is generic. There are NO companies or products
ever discussed on these calls.
It is F.R.E.E to listen to the interview , the call
To listen to it just send an email to
with "Ponzis" in the subject line.
We'll send you the access information for this
call, and reserve your place.
This information is critical to your financial future.
It's free, it's generic, and you can share it with
|Posted by Edna & Roger Boisjoli on July 26, 2012 at 10:00 AM||comments (0)|
Well disguised scams come at you from all directions – the internet, mail, even face-to-face contact. Scammers change tactics constantly in order to lure victims into their schemes. Understanding the biggest scams will help you avoid them.
Easy money is the oldest and still the best hook scammers use to lure victims. “International Lottery Winner”, “Money Escrow”, “Check Cashing”, “Nigerian Scams” are all classic “easy money” scams that claim thousands of victims each year. The promise of quick and easy money is hard to pass up, especially in these economic times, but remember, there is no such thing as easy money. In the end only the scammer makes the money. Run, do not walk, away from plans that promise you much money for little work.
Fear is the most effective means scammers use to force victims to make fast and disastrous decisions. Fear has proved especially effective against senior citizens insecure about their financial future. Claims that your bank account has been “hacked” and demanding account information quickly in order to “save” it are common. Most of these come under the guise of your bank’s letterhead or service mark. If you receive a regular mail, email or a phone call claiming your account has been hacked, immediately contact your bank independently and inquire about your account. Do not use a provided reply envelope, reply email website or telephone patch through to contact your bank. These are part of the scam.
Confusion goes hand in hand with fear as an effective way to make victims act quickly. Again, these scammers often target the elderly who may be easily confused and manipulated. When contacted by a stranger or in an unusual way with a demand that you act promptly, protect yourself by immediately breaking contact or by calling a trusted friend to discuss the matter before taking any action.
Faith and charity are the best human traits, but ones that scammers often rely on to bilk their victims. Do not make donations or offer assistance to “churches” or “charities” unknown to you who email, call or show up at your home uninvited. Never make a donation to a church or charity that you are not familiar with, no matter how compelling their “story”.
Jobs are difficult to find in a slow economy. Scammers use the promise of work to bilk individuals desperate for employment. Do not pay money to apply for a job! Do not give personal information to a “prospective employer” over the phone, mail or online. This is a major source of information for identity thieves. When you are contacted about an employment opportunity, meet with the prospective employer in person at their place of business and do some research on the employer before providing any personal information.
|Posted by Edna & Roger Boisjoli on July 19, 2012 at 2:25 PM||comments (0)|
Fire, floods, tornadoes and hurricanes are unavoidable disasters, but you can avoid the family legal disasters that they often cause.
- Be sure your family is cared for if the worst happens to you – have an estate plan. Every adult needs an up-to-date estate plan and will. A will insures that your assets go to who you intend them to go to and may determine guardianship of your children.
- Be sure your family and physicians know how you want to be cared for if you are critically and permanently injured – have an advance medical directive (AMD). Also known as a “Living Will”, your AMD names the person you want to make the life or death healthcare decisions for you if you are incapacitated.
- Do not lose the value of your home and other assets if they are destroyed – have proper insurance. Review your assets now and make sure you have the best insurance coverage that you can afford. If you rent your home or apartment, make sure you have renter’s insurance.
- Do not make your family fumble and search for people that must be contacted in an emergency – have a thorough emergency contact list. Create a list of your most important contact information and tell your family where it is. Your list must include family doctors, utility companies, insurance carriers and your law firm.
- Do not make your family fumble and search for critical documents they must have in an emergency – have a secure document depository to keep critical documents. Keep your most critical documents, including your will, insurance policies, military discharge and other important papers in a safe deposit box or secure place where they can be found in the event they are needed. Tell trusted members of your family where they are deposited.
Call your law firm today to help you with each of these critical actions.
|Posted by Edna & Roger Boisjoli on June 28, 2012 at 4:20 PM||comments (0)|
If you receive a phone call at home or work from someone claiming to be a debt collector or attorney and the debt is not familiar to you, ask for verification of the debt to be sent to you in writing. If the individual refuses to provide written verification they are likely not a legitimate agent or attorney.
Ignore any collection notices sent via email. Legitimate collection letters will be sent through the standard mail. Scammers may pose as a collection agency representative or an attorney with the intent of obtaining the victim’s personal information or a check for settlement of a non-existent debt. Do not give out any personal information to debt collectors.
Collection agents and attorneys are governed by strict rules. They may not use threats of violence or abuse, collect an amount greater than what may be owed or call excessively early in the morning or late at night. If you do receive written notice of a debt or are harassed by a collection agent, contact your law firm for assistance.
|Posted by Edna & Roger Boisjoli on June 25, 2012 at 12:40 PM||comments (0)|
Whether you are renting a vehicle for work or a vacation, here are some tips that may help you save time and money.
- Make sure to book your vehicle early, to ensure the type of car you need is available. Booking online can help you compare pricing and pickup locations.
- If you already own a car, your existing auto insurance policy may also cover your rental vehicle. Check with your insurance company before you purchase additional coverage through the rental agency. If your own vehicle is not covered by collision insurance consider purchasing the damage waiver. The damage waiver will protect you from paying for damage to the rental vehicle.
- Beware of additional fees. Consider the cost of gas, how much the rental agency will charge for any damages, the cost of supplemental insurance and taxes. These costs can sometimes total more than the actual rental rate.
- Check the car for damages before leaving the rental agency. Make sure all damages are noted on the rental form so you are not billed for any repairs.
- Avoid additional fees by returning your rental to the agent on time.
- Upon returning the vehicle, let the rental agency know if something did not work properly or if you had a negative rental experience. The agency representative may provide a discounted rate based on your experience.
- Keep a copy of your rental agreement. Read over your rental agreement to make sure you are aware of all charges or credits that may be involved, and monitor your bank account/credit card statement to make sure you are not overcharged, and that any credits due are applied.
|Posted by Edna & Roger Boisjoli on June 21, 2012 at 11:45 AM||comments (0)|
With summer upon us, many families are preparing to travel. Whether you are driving, flying or taking a cruise, it is important to be prepared. These tips will help you prepare for your summer travel plans.
- At Home– Ask the postal service to hold your mail. You may also notify local law enforcement that you will be away from home. Many police departments have programs that will have an officer drive by your home while you are away. Be careful mentioning that you will be away on Facebook or other social networks. Thieves sometimes use that information to target victims who are out of town.
- Protect Your Family– Leave a trusted friend or family member with a copy of your current will, power of attorney and insurance documents. If you do not have a current estate plan contact your LegalShield provider law firm today.
- Money – Avoid carrying large amounts of cash while traveling. Traveler’s checks and credit cards offer more protection in the event of theft. Contact your bank and credit card company to let them know you will be traveling and check on your credit limits. If you are exchanging money, use only authorized agents or banks.
- Airports – Understand airport security regulations before you leave for your trip. The United States Transportation Security Agency and the Canadian Air Transport Security Authority websites offer a great deal of information about what you can and cannot take with you when you fly.
- Driving - If your plans involve driving in another country, state or province, make sure you understand local traffic laws. Also, make sure you are adequately insured.
- Timeshares – If you are considering a timeshare read our article about what you need to know from March 2012 first.
- Health – Know your health insurance coverage before traveling. If you are traveling to a remote area overseas you may consider purchasing additional traveler’s health insurance.
- ID Theft – Only carry the personal documentation necessary for traveling. Do not let your passport or other important documents out of your sight.
|Posted by Edna & Roger Boisjoli on June 7, 2012 at 10:35 AM||comments (0)|
It is important for consumers to review their monthly bills to ensure accuracy. Mistakes can easily show up on utility and cell phone bills, and correcting those charges in a timely manner can save you a great deal of money and stress. The following tips will help you correct any errors you may find.
- Know your contract terms and billing rates. Remember, your LegalShield provider law firm can review your contract and help you understand legal jargon that can sometimes make such documents confusing.
- Whether you manage your bills online or with paper, check the amount you owe each month and the details to make sure they are consistent from month to month. Utility bills will likely fluctuate based on the season, but cable and phone bills should be fairly consistent.
- When you notice an error, call the customer service line on your bill right away. Have a copy of your current bill and contract with you.
- Take note of the time of your call and the names of any representatives you speak with.
- If a representative cannot assist you, politely ask to speak with a manager who has the authority to correct the mistake.
- Ask for confirmation of the correction in writing. Having a written record will help you if the problem is not corrected or happens again later.
- If customer service cannot provide you with a satisfactory solution or you continue to get the run-around, call your LegalShield provider law firm. An attorney will be happy to assist you with your matter.
|Posted by Edna & Roger Boisjoli on May 30, 2012 at 5:35 PM||comments (0)|
About a year ago I exploded into diabetes and my blood sugar was as high as 385. A normal fasting blood sugar should be around 100. I remember that night well driving home from the doctor’s office. I felt out of it and was losing my concentration and my vision wasn’t working right so I got off the freeway and rested about 20 minutes before finishing the drive home. That was a rude wake-up alert and it took me most of last year to get my blood sugar under control with continual increases required in my insulin injections.
I took the Shrink Team Challenge on in January using a shake and cookie as a meal replacement and lost over 20 Lbs. in the first five weeks. Yeah, that feels good but what started to happen next really lit up my day.
I started taking GluCare™ carefully watching for any wide variations in my blood sugar because as late as December I still had some pretty bad days up to 200. To my amazement, in January I had to reduce my insulin 8 times ~ yes 8 times under my physician’s care! It is clear to me that GluCare™ is a major contributor to balancing my blood sugar and the way it is working I will be reducing my insulin even more in February! No more injection site bruises soon and I’ll have my life back. Looking forward to the future like never before.
On February 9 the doctor told me to reduce my insulin to the lowest it has ever been and if my numbers stay low they will take me completely off the insulin in about two weeks. Remarkable! Because just 6 weeks ago I was still having bad sugar days.
|Posted by Edna & Roger Boisjoli on May 28, 2012 at 12:30 PM||comments (0)|
I just read the testimony for GluCare™ and I want to add my testimony to it. I was diagnosed as a diabetic and was put on prescription drugs. Immediately I gained 30 pounds. I told the doctor that the weight gain was uncontrolable because of the medication he had me on. He then told me about a new prescription where you took 2 shots daily and people were losing weight with it. He said the side effect was nausea. I decided to try it and found out how you lost weight because you could not eat without feeling sick. I felt sick if I ate and felt sick if I did not eat. I finally found a way to get past the side effects and was able to eat again. I lost 40 pounds and was happy. I found another side effect this medicine had and it was chills that would come from nowhere and put me in bed.
I joined Vitamark not knowing what products they had but wanted to try. I heard someone on one of the calls speak of GluCare™. I heard you could not take GluCare and diabetic drugs because your sugar could go too low. Knowing that I was going for a blood test within 30 days, I decided to discontinue my diabetic meds and go on GluCare™. I monitored myself so I would know if I had any problems. I went for my blood test and my sugar was normal after only 30 days of taking GluCare™. That was almost 3 years ago and I am still on my GluCare™ and will never be without it. I have had several blood tests and my sugar is still normal..
I am saying Hooray for GluCare™! I feel better today than I did when I was 40 and I am now 74 years old. Thank God for Vitamark and their life saving products.
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