Posts filed under 'emotional divorce'

Out of the closet: support for the straight spouse

Just because your spouse came out of the closet,

doesn’t mean you have to go in.

I have had several individuals in my divorce consulting practice tell me that their spouse declared they were gay. They felt alone – but this is not a rare event. While Canadian figures are not available, conservative estimates indicate that roughly two million lesbian, gay, bisexual, and transgender (LGBT) individuals in the United States have married someone of the opposite sex. When these partners come out of the closet, one third of these relationships break up right away, a third stay together for a year and then separate, and another third commit to making it work – although three years later, only half of this last group of relationships are still intact.

Please click on the click to read more and a reality check:

http://www.more.ca/relationships/single-life/out-of-the-closet-support-for-the-straight-spouse/a/31850

I wrote this article for More magazine’s online edition. More magazine is a publication which celebrates women over 40. Men should also feel comfortable reading this article as it offers great tips that apply to both men and women. I’ve written many articles for this site. If you would like to browse through this magazine click on the following link: www.more.ca http://www.more.ca/relationships/single-life

Getting through these issues and feelings, and effectively coping can take anywhere from 3 – 6 years to properly heal. Statistics indicate that it takes one year of healing for every five years of marriage. And, once this process takes place, for many, there is a realization that their partner really did marry them out of love, and not to hide in a closet — they fully intended to make it work. So, while these couples cannot be lovers, perhaps they can still be good friends.

Add comment August 22, 2010

Taking Charge of Your Separation and Divorce

Taking Charge of Your Separation and Divorce

impact – options – opportunities

I was part of a “one stop” information panel of experts discussing the emotional, legal, financial, and child aspects of divorce.  I thought the handouts provided would be very helpful…….the information if provided both within this post, as well as attached within a pdf.

Being smart about divorce means arming yourself with as much information as possible…..here’s a start.

THE SMART DIVORCE®

Handout- The Smart Divorce

What is A Smart Divorce?

The Smart Divorce process will help you to:

  • understand the “emotional divorce” versus the “legal divorce”
  • understand the various dispute resolutions available
  • make informed decisions
  • minimize the financial, legal and emotional stress

Be SMART about your divorce.

State your goals and objectives at the beginning. Make sure these are realistic.

Maximize your information and knowledge base.

Avoid reacting to your emotions.

Retain the best possible divorce team your budget allows.

Treat your divorce as a business transaction.

How to start The Smart Divorce

  1. Develop your support network – therapist/supportive counselor, support groups, clergy, divorce consultant and friends.
  2. Choose your lawyer carefully – interview 3 family law lawyers.
  3. Be informed.  Understand the dispute resolutions:   Do-It-Yourself; Negotiation; Mediation; Collaborative Family Law; Arbitration; Litigation; private companies who offer divorce mediation/resolution.
  4. Put your children’s best interests first.
  5. Hire the right team of professionals based on your needs – parenting expert; financial adviser and others.
  6. Get your finances in order.
  7. Stay organized – create your divorce notebook and divorce journal.
  8. Have a vision for how you want your life to unfold and develop strategies to get there.

You may contact Deborah by email at info@thesmartdivorce.com

or, by calling her office at 905.695.0270

Deborah Moskovitch is a divorce consultant and educator, and author of The Smart Divorce: Proven Strategies and Valuable Advice from 100 Top Divorce Lawyers, Financial Advisers, Counselors and Other Experts. Deborah has become an opinion leader in the media and has shared her insights and research on television and radio to explain that divorce can be managed in smarter ways.

Copyright ©2010 The Smart Divorce® and Deborah Moskovitch

All rights reserved. No portion of this material may be reproduced in any form without the express written permission of Deborah Moskovitch and The Smart Divorce.

Legal considerations

“Taking Charge of Your Separation/Divorce”

Handout – Legal considerations

Presentation by:

Wendy E. Best, Q.C.

Dunphy Best Blocksom LLP

February 25, 2010

1. Custody/parenting

(i)                 shared

(ii)               joint

(iii)             sole

2. Child Support

(i)                 Federal Child Support Guidelines

(ii)               Alberta Child Support Guidelines

(iii)             base table support

(iv)             Section 7 expenses

(a)                child care expenses incurred for employment, illness or education

(b)               medical/dental insurance premiums re: child

(c)                health/dental expenses over insurance by at least $100/year (ortho, counselling, physio, drugs, glasses)

(d)               extraordinary expenses for primary or secondary school

(e)                post secondary expenses

(f)                extraordinary extracurricular expenses

(v)               split custody

(vi)             shared custody (40% of time)

(vii)           incomes over $150,000

(viii)         undue hardship

(ix)             retroactive

(x)               disclosure

3.        Spousal Support

(xi)             Divorce Act

(xii)           Family Law Act/Adult Interdependent Relationships Act

(xiii)         Spousal Support Advisory Guidelines

(xiv)         entitlement

(xv)           periodic

(xvi)         lump sum

(xvii)       combination

4.     Property

(i)                 What is property

(ii)               unmarried: constructive trust/unjust enrichment

(iii)             married: Matrimonial Property Act

(a)                exemptions

(i)                 gifts from third parties

(ii)               inheritance

(iii)             owned before marriage

(iv)             damages in tort

(v)               insurance policy (not re: property)

(b)               increase in value of exempt property – 13 factors

(c)                transfer into joint names

(d)               all other property acquired – presumption of equal sharing

(e)                property (assets/debts) acquired after separation or changes in value

(f)                gifts or non bona fide transfers

(g)               exclusive possession of matrimonial home

5.         Miscellaneous/Common Misunderstandings

(i)                 divorce

(ii)               legal separation

(iii)             abandonment

(iv)             conduct

(v)               what to expect/ask in your first consult

Financial Considerations

7  Secrets to a Successful Divorce

Handout- 7 Secrets to a Successful Divorce

Divorce demands financial decision-making that will alter the rest of your life. Most people have no knowledge of the specifics of the finances of divorce. Most people are too emotional to make sound financial decisions regarding their future. Quite often poor choices are made, choices that are permanent. You must educate yourself on the finances of your divorce.

We have a deep and personal understanding of the financial implications of divorce. At Alberta Divorce Finances, we empower men and women going through divorce by educating them on the financial and tax implications of the decisions that they will make in their own divorce.

A 50/50 Property Split is Not Always Equal

What do you need to know to ensure that your settlement is both fair and equitable?

  1. 1. Money will almost always become an issue in divorce

  1. 2. Understand that a 50/50 division of property is not always equal

  1. 3. Make sure that you can afford to keep the house before you settle this matter

  1. 4. Understand the “true” value of your investments and RRSPs

  1. 5. Ensure that Pensions are valued properly.

  1. 6. Ensure that the payor of child and/or spousal support has Life Insurance to fulfill future support obligations.

  1. Many divorce decisions have implications for your tax return

Divorce is a very difficult and very emotional time and bad decisions are made under stress.  You must become educated on “what you need to know” about the finances of your divorce.

Visit: Alberta Divorce Finances.com

Child Considerations

HELPING KIDS THROUGH SEPARATION/DIVORCE:

Handout – HELPING KIDS THROUGH SEPARATION

v            The way in which parents manage their separation/divorce impacts their children; each individual can

make a difference by their OWN choice of behaviors

v            In separation/divorce, co-parents need to shift their former intimate relationship to that of neutral

business associates linked for the long-term in the “business of co-parenting”

v            Children’s needs and feelings should be a priority; they require reassurance that they are loved by

both parents and belong to both parents and extended families

v            Giving kids permission and opportunities to be attached and to maintain relationships with both

parents/families is important to their well being and growth/development

(*some exceptions: family violence, substance abuse, profound mental health issues)

v            Conflict is typically a part of separation/divorce; how it is managed has an impact on outcomes for

children; kids need to be kept out of “adult issues” including parent conflict and encouraged to regain

and resume their own life pursuits to meet their developmental ages/stages

v            Most often children view separation/divorce differently than the adults involved as they do not always

see it as a way of improving their life; parents can be sensitive to this difference in perspective

v            Children need understanding and guidance to manage and communicate their unique feelings and

behaviors through the process of separation/divorce

v            Shame, blame and embarrassment are feelings that children may express; they need reassurance and age

appropriate explanations that separation/divorce is not their fault

v            Attention to the variety of loss/grief reactions of both adults and kids is important through

separation/divorce; Examples: sadness, anxiety, fear, anger and feeling physically unwell

v            Parents may be less available for their children particularly in the first year of separation/divorce

(“diminished parenting”); this may negatively impact kids outcomes as they need their parents most at

this time of change and transitions

v            When possible, minimizing and “pacing” the multiple changes in their lives as a result of the

separation/divorce is helpful for kids; strive for predictability and routines

v            Transitioning between two households can be difficult for some children; each parent can help their

children to manage this challenge with sensitivity, organization and support

v            A Parenting Plan is an essential working document that helps provide a framework for adults and

children to manage the separation/divorce; a detailed plan that is reviewed regularly helps address the

family’s changing needs

v            An individual’s influence and/or control with their co-parent is typically limited; their focus and energy

is better placed on developing a consistent life with their children in their own home

(Sandy Shuler, B.S.W., R.S.W., C.C.F.E. 2010. Reproduction only by permission. Sandy is the Co-author of the established “Effective Co-Parenting:  Putting Kids First” program;  Co-author of “Groupworks: training for small group facilitators” Developer of the “Fairway Divorce Solutions Nurtured Children Parent Education Seminar”;

Sandy is Director/Consultant of Family Life Works Inc.; www.familylifeworks.ca; 403-540-5608)

Add comment April 13, 2010

The Smart Divorce Seminar

THE SMART DIVORCE® SEMINAR

A SMART CLIENT IS A BETTER CLIENT

A VALUABLE SEMINAR ABOUT THE DIVORCE PROCESS:

HEAR FROM THE BENCH, THE BAR AND THE TRENCHES

Saturday, November 21, 2009 Time: 10:00 am – 1:00 pm

Location: Fairview Library, Room 2 – Lower Level

Registration Fee: $65.00, including G.S.T.

Speakers include: Deborah Moskovitch, Divorce Consultant and author of The Smart Divorce, and recently retired Family Law Lawyer Marilynne Cass, with Featured Guest Speaker: Mr. Justice Harvey Brownstone of the Ontario Family Court and author of the bestselling book Tug of War

If you are either contemplating or currently going through a divorce, this seminar offers you strategies and tips for successfully navigating the divorce process. You will learn about the differences between the “emotional divorce” and the “legal divorce”, emphasizing the scope and limitations of the legal process. You will also hear what you can and should be doing to better move your own case towards resolution. Your will learn how to avoid the emotional pitfalls, anticipate the financial hurdles and understand the litigation limitations. You will be better prepared to move forward with focus, hope and confidence while saving time and money –and your sanity!

Topics that will be discussed:

• Understanding Divorce: Exploring the “emotional divorce” versus the “legal divorce” and how to effectively manage the process.

• Working with Your Lawyer: It’s a job for both you and your lawyer. What you should be doing to make the process most cost effective.

• Getting Your Life in Order for the Divorce Process: How to organize your paperwork to cut down on legal expenses.

• Parenting throughout divorce: Exploring the “emotional divorce” versus the “legal, what children are going through; and putting your children’s best interest first.

• Moving from Mom’s house to Dad’s house – Understanding custody and co-parenting arrangements; developing a parenting plan; and parenting after divorce.

• The legal process and dispute resolutions. What this means and how to develop realistic expectation to manage the divorce process more cost effectively.

• Understanding how child and spousal support are determined. The financial paperwork you need to prepare, and the issues to consider regarding the matrimonial home and much more.

• Finally, you will have the unique opportunity to learn from a judge: how rulings are decided, the importance of using a lawyer, what happens to the self represented litigant

and, putting your children’s best interests first. You will gain valuable insight into what really goes on in the family court room.

To reserve your spot:

Call Deborah Moskovitch at 905-695-0270,

Marilynne Cass at 647-200-7318

or email info@thesmartdivorce.com

1 comment September 14, 2009

The Smart Divorce Workshop at Centennial College

The Smart Divorce Workshop at Centennial College……..

It’s not too late to register – if you are looking to gain greater insight into the divorce process and save time, money – and your skin……..space is still available for the October 4, 2009 workshop.

For an unbiased look at what I talk about and the benefits so many have received, click on the link to view a recent article in Metro News entitled: Seminar targets “smart” divorce.  Or, read below.

http://www.metronews.ca/toronto/learn/article/273568–seminar-targets-smart-divorce

There is also another article about the workshops,  which appeared previously in The Toronto Star: http://www.thestar.com/SpecialSections/article/541734

Click on the link for more information:

http://db2.centennialcollege.ca/ce/coursedetail.php?CourseCode=CESI-602

course code: CESI-602
course name: THE SMART DIVORCE
category: Lifestyle & Leisure
description: People often divorce without understanding that it is a process that has both legal and emotional components. Myths and misunderstandings prevail about the effects of divorce on parents and children. This workshop will help those contemplating or experiencing divorce navigate the process. Learn what to expect about all aspects of the divorce process, how to work more effectively with a lawyer and other professionals, and strategies and tips to reduce the complexity and costs. Become better prepared for your divorce, with focus and confidence, while saving time and money.
web site: http://www.centennialcollege.ca/fun
certificate:
register online: https://secure.centennialcollege.ca/webreg

Metro News

Seminar targets ‘smart’ divorce

RAFAEL BRUSILOW

FOR METRO CANADA

August 05, 2009 2:28 a.m.

Worrying about divorce and its complications? It may be time to go back to school.

A three-hour seminar titled The Smart Divorce is being offered by Centennial College’s School of Continuing Education to help people understand the challenging complications involved in a legal marital split.

The seminar, part of Centennial’s Life and Career Skills division, offers tips and strategies for dealing with all aspects of divorce, including the legal and emotional components of divorce, how it affects children and parents alike, how to look for lawyers and deal with them efficiently and effectively, and where to turn for support.

“The course is for people who are contemplating it or are in the situation, experiencing the divorce process already,” said Mary Devine, chair of Centennial’s School of Continuing Education. “People can take away some strategies, skills and an increased confidence to work through their own situation.”

Instructor and divorce consultant Deborah Moskovitch, author of The Smart Divorce, will head up the course.

Moskovitch went through her own messy divorce years ago and wants to pass the lessons she learned on to others who have never experienced the whirlwind of emotions and legal tangles at the root of any divorce. Most important of all, she hopes to instill a sense of hope in people worried that divorce is the end of the line emotionally.

“I truly believe that you can build a better life than you had before. Even if you were a victim, you have to rise above it and really find that happiness,” she said.

Moskovitch says attendance in the course in previous sittings has been almost an even 50/50 split among men and women.

The Smart Divorce runs on Oct. 4 from 10 a.m. to 1 p.m. at Centennial and costs $32. For more information, visit centennialcollege.ca.

Add comment August 17, 2009

Managing through a high conflict divorce

Lawyer, Bill Eddy has written a series of articles on divorce which I feel are a must read — for anyone wanting to understand the effects of high conflict on the family.  The link to access these articles is:

http://www.eddylaw.com/articles.htm

What makes these articles unique is Mr. Eddy’s combined expertise as lawyer and social worker.  I interviewed Mr. Eddy for The Smart Divorce. What I found most fascinating is while he understands that  the emotional divorce and the legal divorce often get woven together; his strategies for dealing with personality disorder through this difficult time are exemplary.

If there is something more you would like me to explore in greater detail, please comment below.

1 comment July 20, 2009

Space still available for The Smart Divorce Workshop at Centennial College

It’s not too late to register – if you are looking to gain greater insight into the divorce process and save time, money – and your skin……..space is still available for the May 23 workshop.

The Toronto Star profiled the workshop.  For an unbiased look at what I talk about and the benefits so many have received, click on the link to view the article entitled: Taking the doom and gloom out of the divorce process

http://www.thestar.com/SpecialSections/article/541734

Click on the link for more information:

http://db2.centennialcollege.ca/ce/coursedetail.php?CourseCode=CESI-602

Search

course code: CESI-602
course name: The Smart Divorce
category: Special Interest
description: People often divorce without understanding that it is a process that has both legal and emotional components. Myths and misunderstandings prevail about the effects of divorce on parents and children. This workshop will help those contemplating or experiencing divorce navigate the process. Learn what to expect about all aspects of the divorce process, how to work more effectively with a lawyer and other professionals, and strategies and tips to reduce the complexity and costs. Become better prepared for your divorce, with focus and confidence, while saving time and money.
3 hours
web site: http://www.centennialcollege.ca/fun
certificate:
register online: https://secure.centennialcollege.ca/webreg

Add comment May 4, 2009

After divorce: Happier, stronger you

Too often, people identify themselves with who they were when they were married, rather than who they’ve become (or would like to become) postdivorce.

Now is the time to evaluate what you would like your life to like, and to develop strategies to get there. If you were the primary caregiver and stayed at home with your children during your marriage, perhaps you need to go to work but haven’t been in the workforce for a number of years. You could consider going to a vocational coach to help you make the transition. Perhaps you can afford to continue not working, but will this still be fulfilling? You can volunteer or pursue other interests. After all, your children may no longer be with you every day or weekend. The challenge is to rebuild your life to achieve a new kind of happiness. You just have to want to change and believe that it can be accomplished.

Visualize your life being different, and live your life as you envision it. Don’t wait to do the things that you promise yourself you will do when you feel better. Start doing those things now, and happiness will follow. If you wait until you are happier to do those things, you will be waiting a long time.

Please click on the click to read more about tips and strategies as to how to develop your postdivorce identity.

http://www.more.ca/relationships/single-life/after-divorce-happier-stronger-you/a/21185

I wrote this article for More magazine’s online edition. More magazine is a publication which celebrates women over 40.  Men should also feel comfortable reading this article as it offers great insight into moving on postdivorce; tips that apply to both men and women.

I don’t want to sugarcoat things. There are times when life postdivorce is difficult, sad, and lonely. You might still be experiencing a sense of loss, a setback in terms of self-esteem, or shame at no longer being part of a couple. But there are many single people living very rewarding lives. Again, try to reframe the situation and reflect on the life you actually had when you were married. I have heard people say that although they may have been blindsided by their divorce, when they really think about their marriage they realize that they were not fulfilled. If you are having difficulty postdivorce, this is when you really need to work hard to regain a positive outlook and work toward self-acceptance. Talking to a therapist, having a strong support network, or just asking yourself many questions about your life’s goals can lead you to an evaluation of where you are headed and how to get there.

Add comment May 4, 2009

The Smart Divorce Workshop Series – Space Still Available

The Smart Divorce® Workshop Series

 

These workshops are appropriate for individuals contemplating or already experiencing a divorce. Strategies for reducing financial costs and personal turmoil will be presented. Participants will learn what to expect legally and emotionally, and so be able to move through the process with confidence and focus while saving time and money. A subsequent session will address parenting issues, how to work with parenting experts more effectively, and available resources. Feedback from therapists and lawyers has indicated that The Smart Divorce Workshops have helped to prepare individuals for the process and make them better clients.

 

I have added two new workshops to the series called – Taking Control of Your Finances – with guest speakers Atsuko Hiroaka and Aaron Nimon, both Investment Advisors of BMO Nesbit Burns. The focus of these sessions is to help manage and effectively deal with your financial concerns; how to overcome your fears and understand the financial considerations as you work through the divorce process and postdivorce concerns.

 

Click on the link for more information: the-smart-divorce-workshop-f09-2-finr1

 

Program details:

 

The Smart Divorce: Learning the Basics – February 4, 2009

 

The Smart Divorce: Taking Control of Your Finances – February 11, 2009

with Guest Speaker, Investment Advisor – Aaron Nimon of BMO Nesbit Burns

 

The Smart Divorce: Parenting Through Divorce – February 18, 2009 2008

 

The Smart Divorce: Taking Control of Your Finances – February 25, 2009

with Guest Speaker, Investment Advisor – Atsuko Hiroaka of BMO Nesbit Burns

“Your seminar game the confidence I needed to start my divorce. I know what to do now and feel I’m not alone.” Dave C. Toronto

“I met a client who took your seminar today. An educated client makes this work so much easier!” Jacqueline Vanbetlehem, Mediator and Family Therapist in Oakville

Location: 12 Lawton Boulevard, Toronto (Yonge and St. Clair)

Registration Fee: $25 per workshop

Call The Smart Divorce at 905 695 0270 or email info@thesmartdivorce.com

SPACES ARE LIMITED, CALL TODAY

2 comments January 30, 2009

Divorce’s collateral damage

 

Sometimes you don’t just lose your ex, you lose your

extended family and friends as well.

 

There are many “emotional” adjustments you have to make to build a positive life postdivorce. One of those is getting used to the fact that many friends and extended family you had while married, are no longer there for you once divorced.

Evaluating what you need to do, to let go of some of these once important relationships, requires coping strategies which will lead you towards achieving a smart divorce. Please click on the link to read more about tips and ideas as to how to navigate this new phase in your life postdivorce.

 

http://www.more.ca/relationships/single-life/divorce-s-collateral-damage/a/19942

 

I wrote this article for More magazine’s online edition. More magazine is a publication which celebrates women over 40. Men should also feel comfortable reading this article as it offers great insight into moving on and how to prepare yourself for new relationships postdivorce; tips that apply to both men and women. If you would like to browse through this magazine click on the following link: www.more.ca

Add comment January 29, 2009

More workshops added……..

The Smart Divorce® Workshop Series

 These workshops are appropriate for individuals contemplating or already experiencing a divorce. Strategies for reducing financial costs and personal turmoil will be presented. Participants will learn what to expect legally and emotionally, and so be able to move through the process with confidence and focus while saving time and money. A subsequent session will address parenting issues, how to work with parenting experts more effectively, and available resources. Feedback from therapists and lawyers has indicated that The Smart Divorce Workshops have helped to prepare individuals for the process and make them better clients.

 

I have added two new workshops to the series called – Taking Control of Your Finances – with guest speakers Atsuko Hiroaka and Aaron Nimon, both Investment Advisors of BMO Nesbit Burns. The focus of these sessions is to help manage and effectively deal with your financial concerns; how to overcome your fears and understand the financial considerations as you work through the divorce process and postdivorce concerns.

 

Click on the link for more information: The Smart Divorce Workshop Series

 

Program details:

 

The Smart Divorce: Learning the Basics – February 4, 2009

 

The Smart Divorce: Taking Control of Your Finances – February 11, 2009

with Guest Speaker, Investment Advisor – Aaron Nimon of BMO Nesbit Burns

 

The Smart Divorce: Parenting Through Divorce – February 18, 2009 2008

 

The Smart Divorce: Taking Control of Your Finances – February 25, 2009

with Guest Speaker, Investment Advisor – Atsuko Hiroaka of BMO Nesbit Burns

“Your seminar game the confidence I needed to start my divorce. I know what to do now and feel I’m not alone.” Dave C. Toronto

“I met a client who took your seminar today. An educated client makes this work so much easier!” Jacqueline Vanbetlehem, Mediator and Family Therapist in Oakville

Location: 12 Lawton Boulevard, Toronto (Yonge and St. Clair)

Registration Fee: $25 per workshop

Call The Smart Divorce at 905 695 0270 or email info@thesmartdivorce.com

SPACES ARE LIMITED, CALL TODAY

1 comment December 12, 2008

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