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What You Need to Know About Spam Text Messages

Posted by Edna & Roger Boisjoli on May 17, 2012 at 4:50 PM Comments comments (0)

Spam text messages are a growing problem in the United States and Canada. Spam texts can be irritating, costly and a gateway for scammers. Here is what you need to know about text message spam.

  • Cell phone spam is on the rise because unlimited texting plans and cheap disposable phones are now more affordable.
  • Scammers who distribute text spam can be difficult to track and prosecute because they change phones and numbers frequently.
  • Cell phone providers are working to improve spam blocking, but spammers continue to find ways to circumvent the technology.
  • Users in the US and Canada can forward spam texts to their cell phone provider at 7726 (SPAM).
  • Users can also ask their provider to block text messages that originate from the Internet. This will not block cell-to-cell spam, but it will help eliminate some unwanted messages.
  • Do not visit websites or respond to offers contained in text message spam. Many “free offers” are actually phishing scams designed to steal your personal information.

Cold calling stinks

Posted by Edna & Roger Boisjoli on May 2, 2012 at 10:30 AM Comments comments (0)

Let's be blunt. Cold calling stinks! There has got to be a better way. I am glad to tell you that there is a better way. It is called the "Color To Success" CD Training.


So what do colors have to do with your success level?


How can understanding colors allow you to potentially see up to a 300% increase in your response rate?


Color To Success is a unique approach to helping you have success in contacting prospects. Most people think it is all about having a great ability to close the deal, to make that prospect yank out their wallet and buy right now. This sounds good, but really misses a vital key to long term success.


What is the key to having long term success?


It first starts with understanding the type of business you are really promoting. Many people believe it is all about having the best product or service. Others think it is about having a fancy web site or a 20 page full color brochure.


Nothing could be further from the truth.


It's not about what you are "selling", but it is something so simple that most people will completely overlook it. In fact, once you see and understand the simple principles that are shared on this CD, you will be amazed at how you will be able to go from having to hear 100+ No's every day to dealing with a high number of Yes's.


If you are ready to discover what you are really promoting and to get the prospects to enjoy your calling them, then go to:

5 Legal Tips for Dealing with a Minor Auto Accident

Posted by Edna & Roger Boisjoli on April 27, 2012 at 12:25 PM Comments comments (0)

If you have ever been involved in a minor automobile accident you know just how frustrating it can be. Here are some important tips for dealing with the aftermath of a minor accident:


1.    Pull safely to the side of the road and out of the traffic lanes, if possible.  If you cannot do so or you feel it is dangerous to move your vehicle, carefully exit your vehicle and move yourself to a safe location away from traffic until help arrives.

2.    Even if your accident seems minor, call the police and file an accident report. Do not admit to guilt or responsibility for the accident to the police or other persons.

3.    Exchange information with the driver of the other car or cars. Get the name, phone number, address and insurance carrier of the other drivers. If there are witnesses on the scene take down their contact information.

4.    Retain all documents regarding your accident. This includes the police report; the other driver’s information; any insurance documents you receive from your insurance carrier or the other driver’s insurance carrier and any medical papers or bills associated with the accident.

5.    Do not sign any documents or agree to any type of settlement without calling your LegalShield provider law firm to speak with an attorney.

An Aging Population, Nursing Homes, Medicaid and Saving Momma's House

Posted by Edna & Roger Boisjoli on April 23, 2012 at 4:55 PM Comments comments (0)

There are an estimated 78 million Baby Boomers. Approximately 11 million Baby Boomers will require some type of nursing home care. Many of these individuals are not planning for their long-term care and will rely on Medicaid.


Medicaid is a state program that is reimbursed by the federal government. Different states provide different levels of care for different individuals. If you become dependent on Medicaid to pay for long-term care, here are some important facts you should know:


    To qualify for Medicaid, you must be below asset and income thresholds.  Otherwise, you will have to self-pay or engage in some sort of "spend-down" of your assets until you qualify for Medicaid.


    If Medicaid pays for your long-term care, after you pass away (with few exceptions) Medicaid will assert what is called "Medicaid Estate Recovery" against your estate to recoup what is paid.  This means that assets that you thought were going to pass to your family will be taken to repay Medicaid for amounts spent on your long-term care.


    If you simply try to "give away" your assets prior to going into a nursing home, you could actually be disqualifying yourself from receiving Medicaid long-term care benefits and you may have other problems such as state gift tax liability (depending on your state of residence).


In Canada, if you don’t have the resources to fund the costs of your long-term care, you can apply to the province for a reduction; however, you are required to apply for all available government funding such as Canada Pension and Old Age Security. (Unlike the United States, there is no recovery of assets after your death for government funding paid on your behalf.)


So, what is the solution to this problem? The best thing you can do is to arm yourself with knowledge – take advantage of your LegalShield membership and contact your provider firm to find out what benefits your state or province provides. Ask questions about Medicaid and long-term care planning. Talk to an attorney at your provider firm about what you can do to avoid the need for or to plan for utilizing Medicaid and other government benefits. Finally, make sure your last will and testament, powers of attorney and living will are in place and up to date. The younger you are when you start to deal with these issues, the more options you will have to make certain your assets pass to your intended beneficiaries at death.



Your Best MLM Prospects ...?

Posted by Edna & Roger Boisjoli on April 15, 2012 at 3:40 PM Comments comments (0)

When you look to find new business partners in a cold market, you should ONLY ever focus on people actively looking to make money from home. It is a waste of your time to pursue anybody who has not recently demonstrated that desire.


OK. Let's divide "people who want to make money from home" into 2 categories:


Those who have experience in MLM.

Those who don't.

For a lot of reasons, the "Success In 10 Steps" ebook is targeted to group #1. The book addresses their specific frustrations. This is a group you do not have to explain MLM to - they already understand the concept. (And sometimes, the idea of and the reason for seeking "res1dual income" isn't that easy for people to get.)


You could come up with a lot of other reasons, but the bottom line is that group #1 is just a lot more targeted. There are millions of names in that group, and 99% of them want help."Success In 10 Steps" is written for them. When they read it, they identify with Michael's story. It's a great tool for you, because it creates people who want to talk with you to get more details.


To build your own big income in M-L-M, the people you sponsor will need a constant stream of hot prospects. I can help you do that for them, and for yourself. For details, call me at +1 204 353 2009 or email me at [email protected] right now and send me your name, phone number, and the best time to call.

The White Knight - Naked

Posted by Edna & Roger Boisjoli on April 7, 2012 at 1:25 AM Comments comments (0)

Companies come and companies go. So do opportunities in life. How many times do you see your friends quietly slip out of your life when things appear to go south for you? They don't mean to do that sort of thing, they just have an internal fear it might rub off on them. So they slowly do a disappearing act and you are left alone, smack dab in the middle of some of the biggest challenges that life has thrown at you.

Now this happened to a good friend of mine, Richard Dennis. However, he shares his thoughts on "The White Knight of Netw0rk Market1ng". To read Richard's story, go to:

We specialize in assisting you in discovering how you can learn and apply these same principles. If you would like to plug into these ongoing, live trainings, then give me a call at +1 204  353 2009 or contact me right now and send me your name, phone number, and the best time to call.

Roger Boisjoli


[email protected]

Skype ID : RogerHJB

Twitter ID : RogerHJB

Health Wellness Freedom

Thank You




Spotting MLM Cutthroats

Posted by Edna & Roger Boisjoli on March 30, 2012 at 1:00 AM Comments comments (0)

At the bottom of page 11 of Success In 10 Steps, you see a reference to "greed and ego." That gives you another good point to make with your prospect.


Prospects don't come into this process thinking about "greed & ego". But if they have experience in MLM, there's a good chance they've already run into the problem. It's worthwhile pointing out that the greed & ego of sponsors and/or companies is one of the reasons so many prospects are never successful in network marketing.


Let them know how important it is to have their radar up and operating sensitively.


This doesn't mean you search for some Pollyanna who lives their life only for others. Putting yourself first is the natural order.


What it does mean is that you MUST avoid sponsors whose goal is to be successful no matter who they have to step on. You want someone who is determined to be successful by creating those win-win relationships with others.


A lot of times, you can actually hear this in their voice and in what they say about the business and about others. One of these clowns once told me that 95% of all prospects were dead wood, and he just kicked them out of the way. Not only was he proud of it, but he thought anyone who didn't do that was a fool. What more could you possibly need to know about this guy?


So you've got to watch and listen and train yourself to spot "greed & ego" before you join a company where you are smack-dab in the middle of it. Your best bet is definitely to avoid it from the start. Once you are in a group dominated by the greed and/or ego of its leader(s), you are lost. It's a situation you must train yourself to see and walk away from.


To build your own big income in M-L-M, the people you sponsor will need a constant stream of hot pr0spects. I can help you do that for them, and for yourself. For details, call me at +1 204 353 2009 or email me right now and send me your name, phone number, and the best time to call.


To Your Success,




How To Generate Leads for Your MLM Business

Posted by Edna & Roger Boisjoli on March 26, 2012 at 1:00 AM Comments comments (0)

A lot of kids love "Paint By Numbers" kits. You know the ones - a beautiful picture on the front of the box. Inside, you have 3 or 4 brushes, maybe 20 different little paint jars, and a board with numbers all over it - each number corresponding to one of the paint jars.


Then you just paint by numbers. You don't have to be an artist. Just follow the formula, You can create a pretty nice painting ... almost like you knew what you were doing.


Market1ng is a lot like that. In market1ng, you track your ads and your results - your numbers. Then you try something else, and track your numbers again. Then you compare your numbers, and keep doing what works better.


Here are some recent numbers I think are pretty astonishing. My group is part of a pretty good-size netw0rk market1ng company. Our team uses the "Success In 10 Steps" ebook by Michael Dlouhy to find prospects, and others in the company use other means.


Our team brought in 62% of the company's new business for the month of April.

- 82% of the company's new business for May.

- 85% of the company's new business for June.


Look. "Success In 10 Steps" is generic. No companies or products are mentioned. No affiliate links are included. The point of the ebook is to find the Warriors in MLM, and to help you connect with them. This is a very effective system. I strongly recommend you download the ebook and see for yourself.


To build your own big income in MLM, the people you sponsor will need a constant stream of hot pr0spects. I can help you do that for them, and for yourself. For details, call me at +1 204 353 2009 or email me right now ([email protected]) and send me your name, phone number, and the best time to call.



5 Ways to Avoid Tax Scams

Posted by Edna & Roger Boisjoli on March 22, 2012 at 10:50 AM Comments comments (0)

Tax season is stressful enough without having to watch your back for scammers and crooks. LegalShield has tips for you. The following 5 tips will help you avoid common tax season scams.

1.  Beware of Email – The Internal Revenue Service (IRS) and the Canada Revenue Agency (CRA) do not initiate contact via email. If you receive an unsolicited email from either organization, it is a scam.

2.  There is No Free Money – Many of those who fall victim to tax scammers succumb to the promise of “free money from the government.” Many scammers post signs in churches and community centers offering quick relief from financial hardship. Do not fall victim to these offers; there is no free money to be had from the CRA or IRS.

3.  Keep Your Identity Secure – The information contained in your tax forms is a goldmine for scammers and identity thieves. With the detailed information contained in those forms they could file a false tax return in your name or open new lines of credit. Keep your tax documents in a secure location. If you store your documents online make sure they are password protected and encrypted.

4.  Check Behind Your Preparer ­– Many individuals hire professionals to help them file their taxes. Most tax professionals do a great job and provide honest service, but there are some who prey on unsuspecting taxpayers. Fraudulent preparers will attempt to inflate a taxpayer’s return and take a cut for themselves. When the IRS discovers the fraud it is the taxpayer who is left holding the bag. Beware of any preparer who will not sign the return or include their ID number, charges a percentage or split of the return and promises huge returns. When in doubt get a second opinion.

5.  Check These Resources – The IRS and CRA offer more detailed information of current TAX scams. View the IRS’s Dirty Dozen here or the CRA’s Security Resource Page here.

6 Legal Tips to Secure Your Smartphone

Posted by Edna & Roger Boisjoli on March 22, 2012 at 10:50 AM Comments comments (0)

The number of Americans using smartphones is rising dramatically. As smartphone speed and technology improve, individuals are using their phone to access personal information. Many users now access and manage business and personal email as well as banking and other financial data from their phone. This can make a hacked or stolen phone a one-stop shop for would-be thieves and scammers. These tips will help protect personal information on your phone.

1. Set a screen lock and password for your phone. Leaving your phone without a password is asking for trouble.

2. Enable the remote location feature on your phone. This may help you track a lost or stolen phone. Not all phones have this feature built in, but there are apps available for purchase. Some will allow you to remove personal information from your phone after it has been stolen.

3. Only allow your phone to join trusted networks. Scammers sometimes set up fake wireless networks in public places to lure users into joining the network. This may allow the scammer to track any data to and from your phone.

4. Update your phone's software. Software updates frequently include security patches. Failing to update your phones software may leave you vulnerable to hackers.

5. Do not “jail-break” your phone. The practice of “jail-breaking” a phone involves opening up the operating system to applications that were not designed to work on it. This will make your phone vulnerable to hackers.

6. Only download well-reviewed and tested applications. Some apps may include malicious software designed to capture your personal information.