Privacy Policy

We have created this privacy statement in order to demonstrate our firm and continuing commitment to the privacy of personal information provided by those visiting and interacting with this web site. We hold the privacy of your personal information in the highest regard. The following discloses our information gathering and dissemination practices for this website.

We recognize the importance of protecting your privacy and our policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site. This policy will be continuously assessed against new technologies, business practices and our customers' needs.

What Information Do We Collect?

When you visit this web site you may provide us with two types of information: personal informationyou knowingly choose to disclose that is collected on an individual basis and Web site useinformation collected on an aggregate basis as you and others browse our Web site.

1. Personal Information You Choose to Provide

Registration InformationWhen you register for any of our products, services or newsletters you will provide us information about yourself.Credit Card InformationIf you choose to avail of our services, you may need to give personal information and authorization to obtain information from various credit services. For example, you may need to provide the

following information:
-Name
-Mailing address
-Email address
-Credit card number
-Name on credit card-Credit card billing address
-Business and home phone number

Email Information
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.

2. Web Site Use Information
Similar to other commercial Web sites, our Web site utilizes a standard technology called "cookies" see explanation below, "What Are Cookies?") and web server log files to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site.

How Do We Use the Information That You Provide to Us?

Broadly speaking, we use personal information for purposes of administering our business activities,providing the products and services you requested, to process your payment, , to monitor the use of the service, our marketing and promotional efforts and improve our content and service offerings, and customize our site's content, layout, services and for other lawful purposes. These uses improve our site and better tailor it to meet your needs.Furthermore, such information may be shared with others on an aggregate basis. Personally identifiable information or business information will not be shared with parties except as required by law.

Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us atany time if you do not wish to receive these offers by emailing us at the link provided on the newsletter.

What Are Cookies?

A cookie is a very small text document, which often includes an anonymous unique identifier. Whenyou visit a Web site, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each Web site can send its own cookieto your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a Web site to access the cookies it has already sent to you, not the cookies sent to you by other sites. Browsers are usually set to accept cookies. However, if you would prefer not to receive cookies, you may alter the configuration of your browser to refuse cookies. If you choose to have your browser refuse cookies, it is possible that some areas of our site will not function as effectively when viewed by the users. A cookie cannot retrieve any other data from your hard drive or pass on computer viruses.

How Do We Use Information We Collect from Cookies?

As you visit and browse our Web site, the site uses cookies to differentiate you from other users. In some cases, we also use cookies to prevent you from having to log in more than is necessary for security. Cookies, in conjunction with our Web server's log files, allow us to calculate the aggregate number of people visiting our Web site and which parts of the site are most popular. This helps us gather feedback to constantly improve our Web site and better serve our clients. Cookies do not allow us to gather any personal information about you and we do not intentionally store any personal information that your browser provided to us in your cookies.

IP Addresses

IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as traffic data so that data (such as the Web pages you request) can be sent to you.

Sharing and Selling Information

We do not share, sell, lend or lease any of the information that uniquely identify a subscriber (such as email addresses or personal details) with anyone except to the extent it is necessary to process transactions or provide services that you have requested.

How Can You Access and Correct Your Information?

You may request access to all your personally identifiable information that we collect online and maintain in our database by emailing us at the usual address. What About Legally Compelled Disclosure of Information? We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. We may also disclose account information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Service or to protect the safety of our users and the Public.

What About Other Web Sites Linked to Our Web Site?

We are not responsible for the practices employed by Web sites linked to or from our Web site or the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site. Please remember that when you use a link to go from our Website to another web site, our Privacy Policy is no longer in effect. Your browsing and interaction on any other web site, including web sites, which have a link on our Website, is subject to that Web site's own rules and policies.

Please read over those rules and policies before proceeding. Your ConsentBy using our Web site you consent to our collection and use of your personal information as described in this Privacy Policy. We reserve the right to amend this privacy policy at any time with or without notice.

Our Commitment To Data Security:

Please note that your information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your Country of residence or citizenship. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

Choice/Opt-In/Opt-Out

This site allows visitors to unsubscribe so that they will not receive future messages. After unsubscribing we will discontinue sending the particular messages as soon as technically feasible.

Surveys & Contests

From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

A Special Note About Children

Children are not eligible to use our services unsupervised and we ask that children (under the age of 14) do not submit any personal information to us. If you are a minor, you can use this service only in conjunction with permission and guidance from your parents or guardians. Acquisition or Changes in Ownership In the event that the web site (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred.

Policy Modifications

We may change this Privacy Policy from time to time. If/when changes are made to this privacy policy, we will email users who have given us permission to do so. We will post any changes here, so be sure to check back periodically. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.

Getting a Divorce? 5 Tips to Avoid a Huge Legal Bill

By Howard MacKinnon

Divorce is not easy at the best of times. But it can be especially difficult when enormous legal bills add to the usually stress and strain. Here are some tips we recommend that you consider to keep your legal bills manageable.

1. Is a lawyer really necessary? Often the answer is "yes". Where else can you go to find out what your legal rights and responsibilities are? But after you get the answers to your questions if may be possible for you to take care of the remainder of your divorce by yourself - possibly with just a little help.

The vast majority of divorce cases are uncontested - the spouses have agreed on the terms of divorce. The relationship is over and needs legal closure. You cannot expect the court office to prepare your paperwork for you but there are some affordable alternatives to law firms.

One is a do-it-yourself divorce kit. You can buy one of these for about $30 at most bookstores or office supply stores. They give you the basic information you need along with the blank forms you will need to fill out. It will still take some time to read through and figure out what they are telling you to do but it has the advantage of being the cheapest possible option.

An easier alternative is a little more costly, between $200 and $300, but still much cheaper than hiring a lawyer. The Internet has several divorce document preparation services which will send you all the forms you need, already completed and ready for you to sign. You just follow the instructions they provide to file the forms with the court office. Yes, this is more expensive than the kits but much easier and will still save you a great deal compared with hiring a law firm.

2. Try mediating instead of litigating. If you are among the 10% or so who have not been able to agree with your spouse on the terms of your divorce, before your lawyers start scrapping hire a mediator. A mediator is a specialist in assisted negotiation who will help you and your spouse come to an agreement on those touchy issues that you have not been able to resolve on your own. Mediation is successful in resolving the majority of disputes and can change your divorce from a courtroom contest into a far less expensive paper shuffle.

Mediation is going to cost you a few thousand dollars so you have to keep the alternative in mind. Sure, if you and your spouse can settle matters without a mediator then that is the way to go. But if the alternative is a court room battle you will both by out tens of thousands of dollars. If you can spend a couple of thousand and avoid this through mediation then the choice is obvious.

3. Free initial consultations are often offered by lawyers looking for your business. Before booking an appointment with a lawyer make sure the first 30 minutes or so will be free or else call someone else. It may be that after getting some preliminary information you will find that you won't need a lawyer to handle your divorce and you can try one of the cheaper alternatives.

4. Understand how a lawyer's bill is calculated. If the hourly rate is $200 then for every message you leave or brief conversation you have you will be billed at least $20. Each time you are tempted to call your lawyer and ask how things are progressing, take out a $20 bill and say goodbye to it - you might reconsider. A better idea is to arrange at the beginning to have copies of all letters written or received by your lawyer forwarded to you. You will still be billed for these copies but they will let you keep tabs on what is happening with your file without incurring any more fees than necessary.

5. Negotiate a flat fee with your lawyer. This may not be easy, or even possible, as most lawyers charge by the hour. But if you can do it the peace of mind of knowing what the legal bill is going to look like at the end of the day is worth making the attempt. It also allows both you and your lawyer to focus on the real issues and not on who to minimize/maximize the bill.

by Howard MacKinnon Check out Divorce Canada as a type of divorce document assembly service mentioned in this report. Article Source: http://EzineArticles.com/?expert=Howard_MacKinnon

Life After Divorce - Employment for Independence

By R Walsh

There are many strategies to help you move on, find peace with your new single self, and move beyond the pain of your divorce. If you are considering dating again, that is great. Just because divorce has shaken up your life, remember, you only have one life and you really need to make the most of it. Making the most of employment opportunities is vital to your own happiness and success.

Redefining your career at such a turning point in your life is an extremely proactive way to help you walk the path towards the life you would like to achieve. It may be time for you to re-join the workforce, increase your hours of work, or find a new job altogether. Divorce can play havoc on finances, so having employment you are happy with will be one less stress you need to cope with.

If you are already employed, if you feel up to it, reinvent yourself. Get involved in the areas in which you excel. Accept challenges you may once have shied away from, show your bosses that you mean business and you are worth more than your weight in gold. Stay up to date with any promotions that may become available and learn to trust yourself as a quality employee.

If you have young children, then it may be that you need to work less than you were before divorce. Try not to let this concern you. Embrace your time with your children, they grow all too fast. There are many ways you can work from home to earn some extra income, many of them on the computer, and some amazing resources for information. Don't be scared to follow a dream. Are you good at arts and crafts? Writing? Design? Think outside the square and stay focused, You might be amazed at what can happen.

If you are unemployed or have been out of the workforce and need to re-enter, try not to stress or be overwhelmed. There are plenty of simple easy to follow steps to help you on your way. Make a list of your skills, jobs you have held before and any qualifications you have. Turn these into a resume. If you are not comfortable writing a resume, then have someone do it for you, even if it costs you a few dollars, a professional looking resume is essential. Getting a job is an amazing feeling that can boost your self esteem immensely.

If you are having problems feeling motivated, difficulty keeping a job or finding one, then don't be disheartened. It is the pain of the divorce causing everything to feel more difficult and painful. Look to the future, past all the difficulties, and keep your focus there.

If you are already retired, and have no financial need to seek employment after divorce, then it should not be difficult for you to find positions within the community that would spark your interest. Schools amongst other agencies and companies are often looking for people to teach all sorts of programs and knowledge. Even things as simple as how to be a good housekeeper, caring for children, gardening facts, or if you have business expertise, become a mentor.

The goal is, to find a way to utilize your energy that is both enjoyable and challenging for you. Believe in yourself, boost your self esteem and be proud.

Take Control of your life - Visit: Profile Assistant and join the newsletter for regular updates on divorce, dating and relationships. http://www.profileassistant.com Article Source: http://EzineArticles.com/?expert=R_Walsh

How to Get Your Ex-Wife Back

By Tim Feller

To get your ex wife back is difficult but possible. You must understand that women are driven by their emotions, and the fact that your relationship ended probably means that her emotional needs were not being met.

To get her back, you will need to change whatever is necessary to ensure her feelings are not being neglected, and you will need to maintain these changes in yourself. If you feel you can not abide by what she wants, then don't bother trying to win her back as it will only end in tears once more.

If you feel you can meet her emotional needs sufficiently, then the first thing you need to do is make contact at an appropriate time. Simply check up on her well being with a short message in the way you think best. Then you can slowly start to increase the frequency of contact.

Communication is very important, and is a two way process. Listen to what she says, show her that you respect her feelings and opinions. It is very important that she feels her opinions are valued by you. This will also be an opportunity to find out what she feels is wrong in the relationship, but just make sure you're listening for the hints she drops - don't be too up-front about it.

When you are with her, be sure to show that you appreciate her. Try a little flirting, or a compliment, but be subtle. Remember - women have an intuition for these things, and they'll know if you are being truly honest.

Tips to Get Your Ex Wife Back:

-Do not call her repeatedly

-Be prepared to change yourself to meet her needs

-Do not be too emotional in her presence

-Listen to her and respect what she has to say

By supporting and listening to her, you will show that you can meet her emotional needs and you are on your way to winning her back.

While it is not easy to win back the affections of your ex, it can be done. The basics above will get you off to a good start, but it is important to continue to adapt to YOUR situation. If you truly want your ex back then you should do everything possible. For more FREE tips and strategies, check out http://www.getmyexback.co.uk Article Source: http://EzineArticles.com/?expert=Tim_Feller

What You Must Know about Your Assets BEFORE You File for a Divorce

By Moreah Ragusa

Making the decision to get a divorce takes time and is often accompanied by feelings of fear, anger, guilt, defeat, and sadness. This is understandable, but not necessary. If you change your outlook on the experience of divorce, and strive to remain open-hearted and open-minded to the many opportunities that naturally accompany divorce, you can actually use the experience to make the changes you know you need to make to have a more fulfilling life.

When getting a divorce, many of us do not consider that sometimes leaving our marriage can wake us up to what we have needed to do all along. Divorce helps us to take stock of our life, and pushes us to tend to the issues that we have been denying or avoiding because we are either afraid or uninterested in dealing with a particular arena of life (parenting, finances, fitness, career) that we feel less competent in, but that really does need some of our attention.

In as much as divorce is a time of completions, it is also a time of new beginnings, which include creating a new financial picture. Before you begin to allow fear rather than reason to take over, and you begin staging yourself to become the opponent rather than ally in protecting the matrimonial assets from your ex, you should find a chartered accountant whom you and your future ex can trust.

BEFORE you even file for separation or divorce, you and your spouse should get a clear picture of your financial house. Become versed in what the true value is of the matrimonial property you shared by getting realistic appraisals on all the matrimonial property you jointly own, including businesses, trailers, cars, boats, art, and any other assets; oh, and don't forget the pension plans!

In many marriages, one of the partners is more financially educated and confident, which may cause feelings of fear and suspicion to foster in the less confident party. If this is the case in your situation, take the time to allow the spouse who is in need of some additional financial guidance to get it BEFORE the discussion of division occurs.

If your accountant is not well versed in the potential tax implications of the division of your assets, consult with a professionally trained tax accountant who is confident in advising you.

After you have worked with professionals to determine what your real asset and liability values are, find a qualified divorce coach or mediator to facilitate your next step: how you can best make the decisions of dividing your assets fairly, with the minimal tax implications, and most creativity, to ensure your money stays in your bank accounts and not the lawyers.

The next step to take on your divorce journey is to determine if you and your ex need independent legal counsel; this varies from province to province and state to state. If independent counsel is required, make sure you find two collaborative lawyers who have a history of working well together, and who are happy to advise you, rather than litigate your file.

To learn more about how to care for the kids' needs in divorce, and to be educated in the needed attitudes and negotiating tools to create the new divorce paradigm, please pick up a copy of my book The New Divorce Paradigm.

Moreah Ragusa is one of North America's most innovative experts in the area of individual and relationship transformation, uniquely focused on the revealing of personal brilliance. She is an author, psychotherapist, registered family mediator, and relationship counselor specializing in divorce. Moreah is also a respected corporate coach, popular speaker and seminar leader. She is the author of four books on spiritual transformation: The New Marriage Paradigm: Inspiring the Transformation and Evolution of Committed Relationships; The New Divorce Paradigm: Transitioning Your Relationship with Integrity; Rediscovering Your Authentic Self: Applying A Course in Miracles to Everyday Life; and Our Cosmic Dance, a candid autobiography offered as a teaching model for personal and relationship growth. Article Source: http://EzineArticles.com/?expert=Moreah_Ragusa