An article appeared in the Toronto Sun talking about how some celebrities have shown strength during the divorce process, and have moved on valiantly.

I offer some tips in that article how to get your groove back, and move on to a better life post-divorce.

“Showing the world your happy face won’t only keep

the less sympathetic tabloids at bay, it could actually

change your whole perspective.”

Click on the link to view the full article.

http://www.torontosun.com/life/2010/08/27/15159681.html#/life/2010/08/27/pf-15159681.html

People often ask me how I was able to move one despite the conflict I experienced throughout the divorce process.  I share tips and strategies about how to have The Smart Divorce, the trying times I experienced in the litigation process and much more.

Tune into Family Matters to listen to the full interview.

http://blip.tv/file/4051970

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.

The Smart Divorce on Divorce Source Radio

Have you hear about internet radio show Divorce Source Radio?

Divorce Source Radio is a free Audio Source for help and support if you are in the process of divorce.  Host, Steve Peck interviews leading divorce attorneys, psychologists, family counselors and experts in the field of divorce to provide you advice and support during and after your divorce.

I’ve been invited to speak about The Smart Divorce and how to navigate the divorce process.  Tune into program #28 at http://www.divorcesourceradio.com/Listen.html

Learning The Smart Divorce process helps you move efficiently and effectively through the practicalities and process of divorce while significantly reducing the complexity, costs and time involved ending a marriage.

By providing the tools and strategies to make better informed decisions for you and your children, The Smart Divorce helps you move forward with focus, hope and confidence.

If you are considering divorce or just beginning the process, according to Divorce Source Radio, this is a must hear program!

I learned so much about divorce, that I wanted to help others through their divorce.  But, my experience wasn’t enough.  I researched divorce extensively speaking with over 100 foremost experts – lawyers, therapists, financial experts and others — across North America.

For more detail, read the article in the Globe & Mail Why I needed to write about my divorce

While divorce is an ending, it is a new beginning –  to a

life that can be rich and rewarding.

There are many myths and misconceptions about the outcome of divorce will be postdivorce.  People often have incorrect visions about how their  life is going to unfold – with their former partner, their children, dating, and the all too common thought “the grass is greener on the other side.”

Please click on the link for a reality check:

http://www.more.ca/relationships/single-life/divorce-myths-debunked/a/30888/2

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.  If you would like to browse through this magazine click on the following link: www.more.ca

People need to process what the separation means to them on an emotional level; to consider the marriage/relationship in terms of what was good, what was not so good, and how they may have contributed; and, who they are and want to become, as individuals, separate from the relationship.  It does one good to become conscious of lessons learned from the old relationship, or else risk a replay of the dynamics in subsequent relationships.

Hear Deborah talk about The Smart Divorce

I was interviewed about The Smart Divorce and dealing with the many issues surrounding divorce with host Christine Williams of On The Line

Click on the link to watch the interview which aired on April 19, 2010.

You’ll hear a lot of information about getting through divorce, some personal stories, and guidance about the divorce process.

http://ctstv.com/ontario/player.php?ctsvidID=17595&show=On%20The%20Line

ON THE LINE with Christine Williams has been recipient of six prestigious international awards.  The program features current affairs issues and in-depth discussions about a range of topics with authors, experts and advocates.

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)

for blending your families

Did you know that the divorce rate rises with each subsequent marriage?  The divorce rate rises over 60% with a 2^nd marriage and skyrockets to over 70% with a third time marriage.  One of the contributing factors to the lack of a successful partnership is avoiding the discussion about merging two families together.

Please click on the click to read more about tips and strategies as to how to connect two new families. http://www.more.ca/relationships/family-and-friends/remarriage-avoid-the-blended-family-breakdown/a/29507

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.  If you would like to browse through this magazine click on the following link: www.more.ca

But the bottom line is what ever you call it—a step family, blended family, combined family—it’s a newly reconfigured family unit. It takes time to bring this new family together, and it takes effort—just remember to resolve conflict, demonstrate love and find the fun.

Successful divorce doesn’t have to be an oxymoron

I will be in Calgary this week, speaking with a panel of experts about divorce.  The seminar is entitled Taking Charge of your Separation/Divorce.  Lisa Kadane of the Calgary Herald interviewed the panel, which I’ve copied below.  Please note the helpful tips.

By Lisa Kadane, Calgary Herald February 22, 2010

Taking Charge of Your Separation/Divorce takes place Thursday at Deer Park United Church (777 Deer Point Rd. S.E.) from 7 to 9:30 p.m. Pre-register for the $30 seminar at 403-205-5244. Or pay $40 at the door.

—

Divorce is everywhere. It screams at us from tabloid headlines at the grocery store checkout. It touches us personally when, as adults, our parents finally call it quits, or our own starter marriage fizzles.

It’s also universally ugly. Between custody battles, money squabbles and bitterness, divorce usually leaves one party on the short end of the fair stick.

And divorce is always heartbreaking — the final chapter in a book we never wanted to read in the first place.

So, to talk about having a “successful divorce” sounds unrealistic: a pie-in-the-sky idea plucked from some smarmy self-help book.

It’s not, says Deborah Moskovitch, who weathered a seven-year divorce and went on to write The Smart Divorce: A Team Approach to Managing the Issues of Divorce.

“Being smart about divorce really means moving forward with hope and confidence.”

Moskovitch will be in town Thursday as part of a seminar to help divorcing couples understand the resources available to help them through separation and divorce. Hiring a good attorney is a no-brainer, but head’s up: getting your legal house in order is only part of it.

“You’ve got to rebuild your life,” she says.

“Divorce is so common today that people underestimate how powerful it is; how powerful those emotions are.”

Estimates from Statistics Canada in 2008 suggest that 39 per cent of marriages in Canada will end by the couple’s 30th wedding anniversary.

The percentage is higher in the United States — at 44 per cent — but still short of the “half of all marriages end in divorce” stat that gets bandied about.

Still, it means more than one-third of married Canadian couples will eventually go their separate ways. Since that’s reality, those starting down the rocky road to divorce should become informed about this life-altering event before emotions take over.

The Herald spoke with three divorce experts who will be speaking at the seminar, to gather tips for a successful divorce.

lkadane@theherald.canwest.com

———

Smart Tips

- Sandy Shuler is a Calgary based family and life educator whose workshop Effective Coparenting teaches separating parents to put the kids first and understand their needs during separation and divorce.

“Often what happens is, in the process, (parents) are remiss in understanding what the experience is like for kids.”

Four tips:

1. Parents need to love their children more than they dislike their parenting partner. Put aside differences for the kids’ sake.

2. Shield children as best you can from parental conflict. No fighting or name-calling in front of the kids.

3. Give children permission to love and connect with both parents and extended family (unless there is abuse happening).

4. Understand that children will experience loss and grief, too, and that their feelings will be different from your own.

- Sharon Numerow is a certified divorce financial analyst (CDFA) based in Calgary. She worries that people in the midst of divorce make emotional decisions instead of educated ones, and she counsels men and women about splitting up property in their best interests.

“Educate yourself and be prepared. People spend more time researching a car,” says Numerow.

“A 50-50 property split is not always equal, so understand the decisions you’re going to make.”

Four tips:

1. Seek out professional, expert support in every area. Finding a therapist or tax consultant is just as important as hiring a good divorce attorney.

2. Money is always an issue, even when both parties claim it isn’t.

3. When it comes to splitting up investments, understand the scope of them — the risks, outlook, tax implications, costs or fees involved — and make an informed decision.

“It’s a lot of work,” Numerow admits. “I would say it’s really overwhelming for people.”

4. Women need to get on the ball with their financial situation.

“In my experience, way more women have a lack of understanding of, not just finances in divorce, but finances in general.”

- Toronto-based Deborah Moskovitch talked to more than 100 divorce experts when researching her book The Smart Divorce. She recommends people put together a team of professionals to help them navigate the split.

“I noticed so many people were bitter and angry after divorce,” says Moskovitch.

“I realized people are really unprepared for the divorce process.”

Four tips:

1. Realize that many of your divorce beefs are outside of the legal arena. For example, the law does not care if you don’t like your soon-to-beex’s parenting style. So don’t waste your lawyer’s time (and your money) by ranting about it.

2. A good divorce lawyer is gold, but he or she can’t give you parenting or financial advice.

“Bringing in the right people can save you money,” says Moskovitch. A parenting education class and even a therapist cost less per hour than a lawyer.

3. Try to keep your emotions outside of the process. When emotions take over, you end up with massive legal bills.

4. Work on rebuilding your post-divorce outlook. You will get through divorce and get on with your life.

© Copyright (c) The Calgary Herald

To read this article in the Calgary Herald click on the link:

http://www.calgaryherald.com/life/Smart+Split/2595250/story.html?id=2595250&utm_source=twitterfeed&utm_medium=twitter