Dreamer vs. Doer—The Great Separator

Posted by Edna & Roger Boisjoli on February 26, 2013 at 6:35 PM Comments comments (0)

One thing separates the dreamer and the doer.


It also separates the wishful from the wealthy.


Two people can have the same capabilities,

same hope and same aspiration,

but have radically different outcomes.



One acted and the other did not.


ACTION is the great separator.


Right now, there are opportunities, ideas, dreams or aspirations in your life that you know you SHOULD act on, you WANT to act on, but you are afraid to do so.


Oh, you might be excusing your lack of action by your telling yourself you don’t know what to do, how to do it or if it will work out.


I can tell you firsthand, nothing I have ever accomplished had I done before.


I have been in wildly different industries: from the direct selling of environmental products, to real estate, to television, to educational software, to Internet media, to publishing and more.


None of these industries was I educated or trained to be in;



I had no experience in any of them previously—I just jumped in and started. And the outcomes evolved in ways well beyond what I could have planned for or envisioned at the beginning, meaning all the paralysis by analysis is useless anyway because it will never work out as you plan.


The key is to just get started.


Someone said to me recently, “You don’t have to see the whole staircase to take the first step.” That’s the key—just take the first step. Then when you do, take another. One at a time—one after another.


Before you know it you will have risen to the top of an industry, maybe heights you could never have allowed yourself to dream of and set goals for, simply because you jumped in and got started.


That’s all it takes, ACTION.


So tell me, What opportunity or goal are you finally going to jump in and go for? Need to encourage someone to just jump in and get going? Forward them this blog.


- See more at:

What Debt Collectors Can and Cannot Do

Posted by Edna & Roger Boisjoli on February 21, 2013 at 1:25 AM Comments comments (0)

In the United States collection agents are limited in the methods they can use to collect personal debts by the Fair Debt Collection Practices Act (FDCPA). Personal debts include credit card debt, auto loans, mortgage payments, medical bills and other family and household expenses not used for a business. Canadian debt collection regulations differ by province; however, there are some practices that are generally off limits to all debt collectors. If you are dealing with a debt collector or have any questions call your law firm today.


Collection agents MUST:


  • Contact you in writing, or attempt to do so, before taking any further action to collect a debt, including legal actions to secure payment of the debt;
  • Identify themselves when contacting you about a collection matter;
  • Provide information on the original creditor and amount owed. The original creditor is the company or institution to which the debt was owed before it was transferred to the collection agency.

Collection agents are NOT permitted to:


  • Harass you or your family with threats of harm or violence, use of obscene language or by making calls at unreasonable times of day;
  • Deceive you by providing inaccurate or misleading information;
  • Send you false legal documents or threaten to take legal action they are not authorized or willing to take;
  • Charge interest or other fees that are not authorized by law;
  • Demand payment on an account that you have disputed without providing proof that the debt is legitimate;

Contact your employer, relatives, friends and neighbors for anything other than your direct contact information. In some instances debt collectors may be permitted to contact employers to verify employment, job title and mailing address.

When you need assistance dealing with a debt collector, call your law firm and speak with an attorney.

The 11 Things You MUST Know About a Power of Attorney

Posted by Edna & Roger Boisjoli on February 3, 2013 at 3:20 PM Comments comments (0)

A power of attorney (POA) is a powerful tool that allows someone to act on your behalf in medical, legal and business affairs. Call your law firm and an attorney will explain the benefits of a power of attorney to you. In the meantime, here are some important things to know about powers of attorney:



  1. A person must be legally competent when signing (granting) a POA. A person who is not mentally capable of handling his or her own affairs cannot grant a valid power of attorney.
  2. The individual granting the power of attorney is known as the grantor in the United States and the donor in Canada.
  3. The individual granted power is often referred to as the agent, attorney or attorney-in-fact.
  4. The powers granted by a POA may be limited or general. A general power of attorney allows the agent to act broadly in the handling of financial and personal matters, while a limited power of attorney grants only specific powers to the agent.
  5. A medical or health care POA limits the agent’s power to medical decisions, including the termination of life support. It is important that the attorney drafting your POA and the individual you appoint as agent understand your wishes.
  6. A “living will” or advanced medical directive is different than a medical power of attorney. In a “living will”, the maker gives instruction on the limits of medical care he or she desires directly to family and medical staff. No agent is appointed.
  7. Give copies of your medical POA and “living will’ to your physicians and trusted friends or family members and ask them to keep them in a safe place in case they are needed.
  8. You must know and trust your designated agent. An unscrupulous agent with a general POA could drain your bank accounts, sell your car or open lines of credit in your name. Once the damage is done it can be extremely difficult to repair. If you have any doubts about your choice of agent, do not sign a POA naming them.
  9. Your agent should be financially sound and capable of making important financial decisions. Be sure your agent manages his or her own affairs satisfactorily before giving that agent a power to manage yours.
  10. A POA or “living will” can be revoked. If you wish to revoke a previous POA or “living will”, call your law firm and speak with an attorney.
  11. POA documents are no longer valid after the grantor or donor is deceased. After the grantor dies the executor manages the estate in accordance with the will.


4 Legal Tips to Help Save You Money in 2013

Posted by Edna & Roger Boisjoli on January 22, 2013 at 3:25 PM Comments comments (0)

Taking charge of your finances is a great way to kick off 2013. The following tips are designed to help you survey where you are, diagnose any potential problems and with the help of your law firm, resolve legal issues.


1. Review Your Credit Report – The best way to monitor your financial history and ensure the accuracy of your credit score is by reviewing your credit reports each year. In the United States, the Fair Credit Reporting Act (FCRA) requires that the three consumer credit reporting agencies—Equifax, Experian, and TransUnion—provide you with a free copy of their report once every 12 months. You may order your free annual credit report online at ( or by calling 1-877-322-8228. Canadians may view the Financial Consumer Agency of Canada website by here ( The FCAC website offers information on how to obtain credit reports and correct errors. If you need assistance correcting inaccurate information on your report, call your law firm today.


2. Check Your Mail – Monitor your bills and any collection notices carefully. Ignoring collection notices will only lead to headaches, increased fees and potential legal action including wage garnishment. Even if you cannot afford to pay a bill in full, working out a reasonable payment plan with the lender or collection agency may buy you time and save you money in the long run. If you need assistance working out a payment plan or disputing an inaccurate bill, call your law firm and speak with an attorney.


3. Review Your Insurance Coverage – You need to periodically review your policies to insure they cover the essential investments in your property, changes in your life and recent purchases. If you need help deciphering the terms of a policy or disputing a denied claim.


4. Start Preparing Your Taxes – Don’t wait until the last minute to prepare your tax return. In the rush to complete returns last minute, many filers omit deductions or overpay. Taking your time early in the year, organizing paper work and carefully reviewing returns will help make sure your filing is accurate.

7 Tips for Stopping Cyber Bullies

Posted by Edna & Roger Boisjoli on January 15, 2013 at 5:25 PM Comments comments (0)

Today, online bullying is a reality for adults and teens alike. The personal nature of social networking, the ability to broadcast information to large groups of people in seconds and the bully’s feeling of anonymity can make this type of harassment particularly damaging and hurtful. These tips are designed to help you prevent and/or stop cyber bullies.


  1. Talk to your children. Keep an open dialogue with your kids about their online social circle. Let them know if they are bullied they can talk to you. Also, make sure they understand the damage that bullying can cause others. Look for warning signs that your child is being bullied or bullying and step in right away.
  2. Do not respond to a bully. Save or copy emails, messages or other evidence, but avoid engaging with a tormentor.
  3. If the perpetrator is a minor you may try reaching out to a parent or guardian to intervene in the matter. Many parents are surprised to learn that their children are bullying and will help intervene.
  4. If the bully attends your children’s school, discuss the matter with an administrator or counselor. Some schools have guidelines for dealing with cyber bullies and preventing escalation.
  5. File formal complaints with phone and internet providers to block the bully.
  6. Physical threats, stalking or harassment may constitute a criminal matter. Contact the police to report the abuse right away.
  7. Talk to your law firm to find out what other options may be available to you and your family. Laws dealing with online harassment vary; it is important to discuss the matter with an attorney who knows the laws in your state or province.

4 things you should give up to be happy

Posted by Edna & Roger Boisjoli on January 14, 2013 at 12:35 PM Comments comments (0)

The following is from an email fro my good friend Natalie Ledwell.

I thought it too goo to let pass.


"Most people have it wrong.


Most folks think that by gathering more stuff,

they'll finally find happiness.


But often, you can find true happiness RIGHT NOW,

in this moment, simply by letting go.


Here are 4 things that you can let go of that will

make you a happier, more peaceful person by the

time you hit the sack tonight:


1) Let go of the need to impress others.


If you're a human being, chances are you care about

what other people think of you.


After all - we are naturally social creatures!


But if you find yourself spending too much of your

time, money or energy trying to impress other people

and get their approval, you're not being true to YOU.


There's no need to try and be something you're not,

because who you are right now is FABULOUS!


Focus instead on living the most authentic version

of yourself.


When you fully embrace who you are and share it with

others, you'll find that people will appreciate how

REAL you are and will flock to you effortlessly. :)


2) Let go of the need to be right.


Sometimes when we feel we've been mistreated or

misunderstood by someone, we can get caught up

into wanting that person to admit they've

wronged us.


And we want an apology!


Or at least acknowledgement that we are right and they're

wrong. :)


The problem is that not all human beings see things

from the same perspective. In your world, you're

right… but in their world, so are they.


There are definitely times where an apology is necessary.


But most other times, rather than allowing feelings of

negativity to take root inside you and start spilling

over into other areas of your life, it may be best to

ask yourself this:


"Do I want to be right? Or do I want to be happy?"


Often it's just our ego that keeps us holding on to past

resentments and upsets. Instead, consider letting go of

the desire to be right and you'll find you'll instantly

restore happiness and contentment in your life.


3) Let go of the desire to gossip.


I've heard it said that gossip is just a cheap way to make

yourself feel good, and I have to agree.


We all know that gossiping about other people is… well, not

so good.


But when the people around you are doing it, it can be easy to

slip into doing it too!


Consider though that the quality of your life depends on the

quality of the conversations you have.


If you want to live a more fulfilling life, start by embracing

the power of your word. Your voice is powerful! And what you

have to say makes a difference.


Be committed to having more positive conversations about

things that matter… not people… and you'll be surprised how

quickly you'll brighten your outlook on life.


4) Let go of the past.


It's easy to dwell on the past, especially when the future is

so unknown!


Looking to the past can feel safe… we know what has happened

and we know what we could do to change things… if only we

had the chance.


The truth is though that you never will have the chance to

change the past.


Not unless scientists finally invent a time machine. ;)


Your past has served its purpose - its brought you to the

place you are today and made you the person you are now.

And who you are right now is absolutely perfect.


Be grateful for your experiences, but know that NOW is all

you have. So do your best to enjoy each moment. Give

yourself the gift of being present!

To your everlasting happiness,

Natalie Ledwell

Mind Movies


P.S. I have a challenge for you…


Out of the four things I've listed above, what one are

you willing to take on THIS WEEK for your own happiness?"

Hit-and-Run Accidents: What Victims NEED to Know

Posted by Edna & Roger Boisjoli on December 27, 2012 at 4:35 PM Comments comments (0)

Hit-and-run accidents leave victims feeling helpless. What can the police do? What will insurance cover? These tips are designed to help you in the aftermath of a hit-and-run auto accident. If you have been involved in any type of auto accident call your law firm today.


  • Do not chase the other driver. It may be tempting to follow the other driver, but anyone willing to flee the scene of an accident may be dangerous.
  • Call the police. Filing a police report is extremely important. Even if you have very little information about the other driver, a police report will be necessary for any insurance claim or legal action.
  • Gather as much information as you can at the scene. If you can only remember one piece of information make it the other driver’s license plate number. Knowing the make and model of the car will also be helpful. Take note of the location and circumstances of the accident as well as where the other driver was coming from. Write everything you can remember down and take pictures at the scene if at all possible. Also gather contact information from any witnesses.
  • File an insurance claim. If the other driver is identified, the police or your insurance company may obtain their insurance information. It is important to file a claim with their insurance company as soon as possible.
  • Understand your coverage. Do you have uninsured motorist coverage? Some states and provinces make purchasing this type of coverage mandatory. Without adequate coverage you may end up footing the bill for car repairs and medical expenses. Talk to your law firm about the laws where you live and make sure you are adequately covered.
  • Do not sign a settlement agreement or accept payments from an insurance company without first speaking with your attorney.

What You Need to Know Before an ER Visit

Posted by Edna & Roger Boisjoli on December 3, 2012 at 12:10 PM Comments comments (0)

Unfortunately, visits to the emergency room often increase during the holidays. While it is impossible to predict an ER visit, there are a few tips that can help you prepare in advance of an emergency.


Coverage – It is important to understand your health insurance coverage. Make sure you know which hospitals in your area are covered under your plan. If you are traveling for the holiday, understand what you need to do to inform your insurance company in the event of an emergency.


Know Your Local Hospitals – Just as important as knowing where you are covered or where you will get the best rates if you are uninsured, is doing your homework on quality care in your area. allows visitors to check the safety score of hospitals. Consumer Reports also offers hospital ratings to its subscribers.


Medical Power of Attorney – Everyone should have an up-to-date medical power of attorney or advanced medical directive. These documents ensure your family members know what you want in the event of a health crisis.


Important Documents – Make sure all of your estate planning and insurance documents are kept somewhere safe, yet remain easily accessible to your family or caregiver in the event of an emergency. It is important that these documents can be easily retrieved if they are needed.

5 Holiday Scams to Avoid

Posted by Edna & Roger Boisjoli on November 27, 2012 at 10:20 AM Comments comments (0)

With the holiday season upon us it isn’t just retailers looking to turn a profit. Scammers exploit the spirit of the holidays to help separate victims from their money. Many of these scams are used throughout the year but are given a new twist for the holidays.


  1. Bait-and-Switch – Scammers frequently use cheap tablets, smart phones, MP3 players, jewelry and gift cards as part of bait-and-switch scams. They may approach potential victims in a mall, on the street or through the Internet offering a deal that is too good to be true. They may even allow the victim to check out the item, but rest assured, after the money is exchanged the victim will not get the item they are expecting. Only purchase big-ticket items from respected retailers and avoid this common holiday scam.
  2. Hard Luck Stories – Scammers often take advantage of the holiday spirit of giving. They may send victims an email requesting assistance or approach victims in public. Scammers will often have an elaborate hard luck story and sometimes even use children to elicit sympathy from victims. Some scammers may also pose as stranded holiday travelers in need of assistance to get home for the holidays. Be wary of these scams and never give out your address, bank information or large amounts of cash to strangers.
  3. Charity Scams – Fake charity scams also take advantage of the spirit of giving. Beware of scam charity emails. Research a charity before making a donation and make sure they are legitimate. You should never make large donations in cash and always ask for a receipt when making a large donation.
  4. Gift Card Swap – The rise in popularity of gift cards has led to a new type of scam. Scammers will use high tech scanners to read the numbers off of the gift cards sold in the aisles of major retailers. They will then return the cards to the store shelf and monitor them to see when they are activated. Once activated, they will use the card numbers to spend the funds before the intended recipient has a chance to use the card. Whenever possible purchase your card from behind the counter of a retailer.
  5. Email Greetings – Holiday emails can sometimes be a Trojan horse for hackers. Do not open attachments from senders you do not know and be wary of strangely worded emails. Make sure your computer’s antivirus software is up to date and use it to scan anything suspicious.

7 Legal Tips for Holiday Shopping

Posted by Edna & Roger Boisjoli on November 21, 2012 at 5:00 PM Comments comments (0)

With Black Friday and Cyber Monday just around the corner consumers and retailers are ready to kick the holiday shopping season into high gear. Before you head out for the big sale or start shopping online, read these tips for safe and secure holiday shopping.


  1. Understand your finances before going to the store or shopping online. It is easy to throw your budget or financial planning out the window when confronted by the newest gadget or a great sale, but it is important to set and follow a strict budget for your holiday shopping. Do not let eager sales staff or your own excitement sell you on products that are outside of your budget
  2. Beware of retail credit card or quick loan offers you cannot afford. Many lenders use the holiday cash crunch to attract borrowers. Do not sign up for any new credit cards or loans without reviewing the rates and terms carefully. 
  3. Know the retailer’s return policy. Many holiday retail disputes stem from misunderstandings over the return or refund policies. Make sure you read and understand the store policies before purchasing big-ticket items. Some returns will require costly restocking fees and some sale items may not be eligible for return.
  4. Beware of service plans and warranties. Additional protection is offered as an add-on during checkout at many retailers. Before purchasing a protection plan or warrantee make sure you understand the terms, limitations and likelihood you will need the added protection.
  5. Shop online from trusted retailers. It is important to make sure you are on the correct website by checking the domain name in the browser. Sometimes unsolicited emails that link to products will actually direct you to scam sites designed to look like a trusted retailer. Make sure the website’s checkout is also secure. The domain name at the top or bottom of your browser should contain https://.
  6. Do your homework when using an unknown online retailer. Make sure the company has a physical address and a working phone number. Run their name through a search engine to make sure they have a good reputation.
  7. Never pay for items purchased online with wire transfers or money orders. These types of payment offer no tracking or protection in the event of a scam.