Risk Management: don’t get caught without a backup plan.

Risk management is knowing where you are exposed and having a plan in place for possible disaster. What is your plan?

Legal Risk

Have you ever:

  • Image representing Canadian justice.signed a contract?
  • been involved in family court?
  • received a ticket for a traffic violation?
  • had your driver’s license, medical card or social insurance number compromised?

These are only a few of the risks you are likely to face in a lifetime.

What is worse? Someone using your credit card for purchases; or someone using your medical plan and then you receive life threatening drugs because their history has become yours? When it happens, you need to have a plan in place to mitigate your potential cost. (>>>Click here to learn more.)


Data Risk

Man-CryingDid you know Homeland Security Newswire reported that only 6% of companies survive more than 2 years after a data loss? 43% were out of business immediately. What have you done to protect yourself?

Most business have some kind of backup in place whether tape drives, external drives or thumb drives. Some may even backup to “the cloud” but at what cost?


What happens when:

  • the house or office burns down with all your precious pictures?
  • your computer fails and that’s the only copy of your pictures and documents?
  • someone steals all of your computer equipment?

Setting aside the risks to your data listed above, the average hard drive these days only lasts a couple of years. Make sure you have a good backup plan in place.

Life and Health Risk

This is one area that most people seem most reluctant to address. Buying life insurance means we have to face the fact that we will die. Most of us have someone in our lives that have battled diseases like cancer, heart disease, etc. The rates for disease seems to be increasing with every year. Do you know if you will be one of the lucky ones?

We all like to believe our business has great value. The reality is that many of us are the business. When we die the value is gone. If one of the heirs happens to want to keep and operate the business, will there be funds to create a bridge to new ownership? Are your will and powers of attorney up to date?

Mortgage risk, now there’s a big one. We tend to believe we’re covered when the banks and lenders sell us “Mortgage Insurance”. A friend of mine lost his wife and when he called the bank, he was told that there was no insurance because his wife had a pre-existing medical condition. In a case like that, the bank refunds the premiums paid if you’re lucky, and that’s it. Make sure you understand what you are buying.

Involve your financial advisor/life insurance agent in your life and health risk management review.

What is your risk management plan?


Make it a great day,


P.S. What am I thankful for today? I’m thankful for what I learned as a financial consultant. I’m thankful for alternatives to banks. I’m thankful for all of the great people I met in the financial services industry.

What are you thankful for today?



Do you Got Backup for your precious moments?

Got Backup is a great way to protect your precious moments from people who will try to steal them from you.

Precious Memories

My big hair days!

My big hair days!

There was a time when we kept film, video and photographs in our homes to capture special memories that might be passed to the next generation. You would be hard pressed to find those media today. I heard someone on the radio talking on the radio about going to The Dollar Store for cassette tapes because he couldn’t find them anywhere else. Most of us keep that kind of data on our computers. If not, you really should consider capturing those before there is something like fire or flood damage. The challenge is what happens if some stole that?

Backup, Backup, Backup!

Got Backup has your back!

The average external hard drive will cost you between $100 and $200. In my experience, they last about two years and you hope to God your computer doesn’t doesn’t disappear at the same time! Imagine hundreds of hours of video and photos gone because some kid wanted a few bucks to go out with friends. You can never get that data back. With Got Backup, you can connect to any computer, any time, anywhere; connect to the Internet and retrieve all of your files. Once you download and install the app, backup happens automatically any time your computer is connected to the Internet.

Got Backup

For less than the average external backup drive, you can have peace of mind. Being able to grab a file when you are at work and forgot on your home machine is just a bonus.

Do you Got Backup?

Make it a great day!


P.S. What am I thankful today? I’m thankful for so many precious memories. I’m thankful for family. I’m thankful for opportunity.

What are you thankful for today?

Practice safe text! Tips for safe Internet and messaging.

When it comes to keeping your files safe, you need to put good practices in place.



First, a good Anti-Virus program.  My preference is AVG.  I find Norton too resource hungry.  Not too sure about McAfee.  Some I know like Kaspersky.  But, Anti-Virus isn’t enough.


man-stopI would also advise getting a copy of Malware Bytes.  Most people don’t realize that malware and Viruses are very different and require the appropriate tool.  Many Anti-Virus packages include malware scanners but my experience is Malware Bytes does a much better job.  If you choose to use the free version, make it a habit to run the scan regularly.  Purchasing a full copy will allow you to have it always active and have regularly scheduled scans.



There are a few habits you need to develop:

  • Be careful about sites you visit.
  • Understand what makes email suspicious.
  • Use common sense when sending sensitive information.
  • Don’t make yourself a target for Identity Theft.


3D-Women-Search-08When you are browsing the internet, use an up to date browser.  My preference is Google Chrome or Fire Fox.  As much as I love the convenience and speed of Google Chrome, in my opinion Fire Fox is more secure.  I don’t have a security background so understand that is only an opinion.  Make sure when you are browsing that before you click a link, hover over the link and look down at the bottom bar of the browser to see where it actually goes.  If in doubt, DON”T!


Many of us have the bad habit of opening and email as soon as we see a name we recognize in the from field.  All that means is that it’s made to look like it’s from their account.  It may not!

Clues to look for:

  • Is there a name in the to field?
  • Has the email been copied to multiple people and do you have any idea who they are?
  • Are there files attached and were you expecting them?

No name in the to field may indicate it has been blind copied, often done by spammers and Identity Thieves.  Spam is bad enough but many of these files are an attempt to get at your personal information.  If you weren’t expecting files, email the person directly or better still, pick up the phone.  You may actually be protecting them as well as yourself.  It’s no longer if but when.  (For your peace of mind, yes, there are links in this article.  They go to other blogs related to Identity Theft.)

texting and messaging

3D-Women-Idea-01A little common sense here.  NEVER send banking or other sensitive information through the Internet, Email, Text or Messaging services.  It’s really that simple.  Your banker, accountant, lawyer and financial advisors should never be asking for information that way.  By all means, respond with a phone call and give the required information or make an appointment to fill out the appropriate forms in person.  Anyone asking through social media and internet channels is either careless or they are just after your information for other purposes.

Now that I’ve scared the heck out of you, the Internet and social media are a lot of fun and a great way to stay in touch.  Just practice safe text and be ready when the inevitable happens.

Make it a great day!


P.S.  What am I thankful for today?  I’m thankful for my ID Theft Plan.  I’m thankful for Social Media.  I’m thankful you read this far!

What are you thankful for today?

To learn more about a #LegalSavingsPlan and/or #IdentityTheft plans, visit deniseclermont.com

Stop Spamming Me About Canada’s Anti-Spam Law!

Spamming can take many forms.  In this case, my complaint is about companies scrambling to be compliant with the new Canadian Anti-Spam law coming into effect July 1, 2014.  I’m getting so many emails asking me to re-confirm that I want them to continue.  It’s really not necessary to do this in such a short period.  It’s flooding my email and annoying me.  I consider myself an average citizen.  Are you doing this to your clients?



On Tuesday, July 1, 2014.  Canada’s anti-spam law will be in effect for anyone communicating with anyone in Canada for commercial purposes.  Remember, some components have different dates.  You may want to use your #LegalServicePlan to get some clarification on your responsibilities.



Man-With-Question-06Pretty much everyone!  Especially if you are a small business.  There is even an article in the Boston Business Journal concerned about how much this could affect businesses there, never mind business in Canada.

This will apply to #MultiLevelMarketing or #MLM, #InternetMarketing and anyone using many forms of electronic communications.  For example:

  • eMail
  • Telephone
  • Text Messaging
  • Social Media

You are associated with MLM’s or operate a small business out of your home.  You reach out to people you managed to get contact information for.  Can you contact them?  Maybe.  Maybe not!  (Click the confused guy in the picture above to learn about a #LegalSavingsPlan you can use to have your questions answered.)



3D-Women-Search-03Legislation is supposed to be written in plain language, not “legalese”.  Sure it is!  It’s written in plain language. That has nothing to do with being able to understand intent or context.  I find sometimes, plain language leaves too much out and confuses me more.  I think some confuse simple English with plain language.  They don’t mean the same thing.

You can use some of the linked sites in this blog to find information that may help or you can spend time on the internet searching for clarification.  As I run into questions, I will use my Legal Savings Plan to have those questions answered.

I’m no lawyer and don’t pretend to be.  By the way, please understand that this blog is to create awareness in the hopes that you will take steps to protect yourself and your business.  Make sure you use your #LegalSavingsPlan to have your specific questions answered.  This blog is NOT to be considered advice.

If you don’t have a #LegalSavingsPlan, I hope that you consider the one that I market.  To learn more about our plan, complete the form following this blog and you will receive a series of emails explaining different aspects and options.



Don’t panic.  People already on your list don’t need to be “re-upped” right away. By flooding all of your clients with emails asking them to re-confirm, you may well be annoying them and causing them to “click here to unsuscribe” from your list.

You have an existing relationship.  Check the legislation or call your #LegalServicePlan provider for clarification and timing of any need to have your prospects and clients re-confirm their intent to remain on your list.

If you have been using the #AutoResponder included in the Pure Leverage Suite of Tools, they already did a double opt-in and you should be fine.  That gave you the permission you needed when they confirmed the welcome email.

(Don’t forget to fill out the form below my signature to receive information about a #LegalSavingsPlan)


Make it a great day!


P.S.  What am I thankful for today?  I’m thankful for my Pure Leverage Auto-Responder.  I’m thankful for my #LegalSavingsPlan.  I’m thankful if this blog helped one person.

What are you thankful for today?

How can we help improve Legal Aid?

The legal system is broken in North America and the Legal Aid system is crumbling under the weight.  I’m not so sure that Legal Aid needs to be improved.  Like an old car, sometimes you need to make the decision to try something new and stop throwing good money after bad.

Who qualifies for Legal Aid?

3D-Women-WrongIn Ontario, you have to be pretty broke to qualify for legal aid.  God forbid you own a home!  Our experience when we were dealing with Family Court years ago was that they just put a lien against the house that had to be paid when we sold.  And they wonder why people cringe when you say the word “lawyer”!

The reality is that many who could use Legal Aid the most won’t qualify and the system is so stretched, that there aren’t enough resources for those who really need it.

 What if we take some pressure off?

Man-With-Question-06Many times, the need for legal representation could be reduced, if not eliminated.  I would think that if you could call a lawyer or attorney at the first sign of potential trouble, many issues would never see the light of day.  By setting up a system where people wouldn’t hesitate to get advice before an issue explodes, we could take pressure off Legal Aid services and make those resources more available to those who truly need it.

How do we take the pressure off?

 Have a plan!

Just like CAA or AAA for your car, have a service plan for those sudden occurrences.  If you run out of gas, the auto club will send someone with enough gas to get you to the station.

man-flyingYou could have a legal service plan to do the same thing for your sudden legal issues.

Imagine being able to pick up the phone and call a lawyer to find out if your neighbour can put up a fence and expect you to pay costs.  Or, call a lawyer for advice when the police are knocking on your door in the early hours of the morning.  Just maybe, that early morning advice could prevent you having to go to jail.  Imagine getting your law firm on the phone at 2am and having them advise you on what to say to the police.  Yes, there really is such a plan!

Can we help improve Legal Aid?

I believe we can.  If there is a will.

Some companies provide legal benefits as part of the company benefit package.  Usually limited in scope but better than nothing.  Some have more extensive plans available.  Legal plans been common, and in some cases mandatory, in much of Europe for many years now.  We had a friend who sells insurance in Germany visit recently and he said that yes, legal insurance is a very common product.  Why isn’t it here?

What needs to happen here is for the legal industry to be willing to change how they deliver services.  It’s starting to happen slowly in North America.  Are you interested in helping lead the charge?!

animated arrow right

Click Here to learn more!

Make it a great day!


P.S.  What am I thankful for today?  I’m thankful for open minded people.  I’m thankful for entrepreneurs.  I’m thankful for spring!

What are you thankful for today?