Going through a divorce can be a difficult and painful experience, so it's no wonder that most people prefer to find a good divorce attorney to help them through the process. There is a lot to consider when it comes to finding and picking that perfect divorce lawyer, because not all divorce attorneys are made the same or have the same motives in mind. If you are going through a divorce or thinking about it, here are some things you may want to keep in mind when it comes time to pick a good divorce attorney.

Reviews from Friends or Online Sites

One of the most important aspects of hiring a divorce lawyer is finding one that is good, works with his clients, and has a name for himself. You don't want to just pick an attorney out of the phone book without knowing anything about him, so the best way to start is by asking friends and family about divorce lawyers they have dealt with in the past. If no one in your circle has been through the situation before, then you might want to do some basic searches online to find some good local lawyers with good reviews. You can use a variety of services to find this information such as www.lawyers.com and www.yelp.com, or you can simply Google the name of a specific lawyer or firm and chances are someone has written a review of the service before. Getting reviews from friends, family, and online resources is the first step in choosing a good divorce lawyer due to the fact you know your friends and family wouldn't want to steer you wrong.

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Figure Out How Complicated Your Divorce Is

When it comes to divorcing a spouse, each case is different because everyone has different financial and property assets. If you have a simple divorce where everything is already split and the assets are minor, then you won't need any special type of divorce lawyer to represent you. Things change however if you do have a lot of money or property, and the process of splitting things becomes more complex. What this means for you is that you will need a more advanced divorce attorney, specifically an attorney with a better financial understanding when it comes to the taxes and law. What you don't want to do is find a simple attorney to split a lot of complicated assets, then months later get a call from the Internal Revenue Service saying you owe for something you didn't know about. If you have children, then that is also an issue that could complicate a divorce, so you would want to look for a lawyer who is more skilled at dealing with household and family law.

No Novice Lawyer

When you are trying to figure out what divorce attorney to use, it's important that you live by the rule of not getting a novice divorce lawyer. Being a really good attorney requires years of experience trying cases and presenting information, and it's not something a lawyer fresh out of school can accomplish. If you get a novice lawyer, chances are high that mistakes will be made, which might end up costing you a lot of time, money, and heartache in the long run. It's always best to look for a divorce attorney with five years under his belt, because this means he will have represented a number of clients in various situations, and is more savvy about how to get the best outcome for his client. Hiring an experienced lawyer is like finding a reputable surgeon, meaning you want someone you can trust to do the job right the first time.

A Busy Lawyer is a Good Lawyer

While you are in the initial phase of finding a lawyer, you might run into some that seem to always be near the phone or available to talk with you. Now, having good communication is great, but you don't want to think your lawyer is sitting by the phone waiting for it to ring. It's just like every other profession, which is the best ones are always the busiest ones. There is also the fact that some lawyers have a lot more court proceedings to attend as well, so it's important to realize this when your attorney might not be getting back with you for a day or two. This is a good though, because it shows the lawyer is in demand and practicing at least competently enough to get repeated clients in a variety of situations. If an attorney calls you back about an initial conversation but then says it will be a week or so until you can be booked, that is a really good sign. The best attorneys are often booked weeks in advance of appointments, so if you have one call and tell you come in tomorrow, you should avoid that lawyer because it means he isn't that good.

Know All Communication Costs Money

When you are choosing a divorce attorney, you also need to consider the costs associated with communicating with that person. A lot of people these days email or text their attorney, then suddenly they get a bill in the mail for thousands of dollars for these simple communications. Obviously going in to see your attorney will cost you money, as well as any paperwork that needs to be done, but a lot of people forget about basic communication. Emails, phone calls, texts, Skype, and other means of communicating with your attorney will also more than likely be billed to you as well. It's crucial you ask the attorney what his hourly rate is as well as what the fee is per other method of communication like an email. Even the initial consultation with the lawyer is not free, but a lot of lawyers do deduct a small amount if you are just going in for the consultation. You have to always remember that an attorney makes his money on the hour by communicating with people about specific matters, so nothing your lawyer communicates with you is ever free.

Look into the Past

The saying always goes that you should look into the past in order to figure out the future. This is a good way of looking at potential lawyers as well. Once you have a list of about five lawyers you are interested in, starting doing your homework. You should be looking into their backgrounds as far as previous court cases are concerned, and be looking at the wins compared to the losses. You don't want to hire a divorce attorney if the client he represented lost 70% of the time, because obviously history will likely repeat itself with you. You want a lawyer that has fought previously in other cases to win on behalf of the client, not one that gives up or gives into the other side. It's also important to look into the past to see if any previous clients had a negative experience with the results of the case. This also helps you get a feel for how the divorce lawyer operates, how he goes through the court proceedings, how he communicates with clients, and how he handles himself during court. Making sure you find a lawyer with a past collection of divorce cases that went in his favor is crucial, especially if the divorce you are going through is bitter.

Choosing A Rehab Facility - Tips and Guide

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When you are addicted to drugs or alcohol, you or someone you love might realize that you should go to rehab, especially if your addiction is causing you to face serious consequences because of your behavior. There are a lot of things you need to consider and think about in terms of a rehab facility, especially when it comes to what to look for in the facility itself. If you are thinking about heading off to drug and alcohol rehab, here are some of the biggest things you need to look for before you pick a facility to begin treatment.

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Inpatient or Outpatient Treatment

When you are looking into a rehab facility one of the first aspects you need to consider is whether or not an inpatient or outpatient facility is the best option for your personal needs. If you are addicted to substances, especially, benzodiazepines, you will need to seriously consider an inpatient facility for treatment. This is mostly due to the fact that inpatient rehab facilities cater to people coming off of drugs, and can help you through the detoxification process. Coming down off of long-term drug or alcohol use requires special attention, medications, and monitoring, which are not things you will find at an outpatient rehab. Different facilities have different guidelines when it comes to how to treat a detoxing patient, so you want to think about which type of environment you would require.

State Licensing

One of the most important aspects of finding a rehab facility is looking into the state licensing of that particular facility. You want to make sure that the facility has been accredited as a drug and alcohol rehab center, and that the service the center puts out is within all the rules and regulations of the state and the medical board. Check the background of the facility to see if anyone has filed lawsuits due to negligence or not practicing a standard of care, and check with the state medical board to make sure that all codes are being followed.

Each state has specific guidelines on what a drug and alcohol rehab facility should have, the types of programs available, the number of staff that should be working, and many more types of rules they need to follow. When you are checking into the licensing, you also want to make sure the facility has good ratings, including from medical boards, medical websites, accreditation websites, and even check out the former patient reviews. It's important to know that the facility has been positive and helpful for others in similar situations as your own, because it will help you feel more comfortable and safe in the environment.

Money and Insurance Coverage

When choosing a rehab facility, you also need to look out for what type of insurance, if any, the rehab facility takes, and whether or not you would be covered under your insurance plan. Some rehab facilities only deal with a few insurance companies, which might mean you would be paying several thousand dollars out of pocket if your insurance is not on the approved list. You would also have to contact your insurance company to find out whether or not they are still providing coverage for drug and alcohol rehab, and if so, if the places you are thinking about are covered under your policy.

You should contact both the rehab clinic and your insurance company to ensure that specific facility is covered before you admit yourself as a patient. You also need to ask about how much out of pocket expense you are expected to pay as a result of your stay. If your insurance does not cover the program, it's important to ask about any financial assistance or programs they might have available to help you cover the cost of treatment.

Length of the Treatment

The length of treatment often times goes hand in hand with insurance coverage, because a lot of insurance companies limit the amount of money or time a rehab will be covered under the policy. If you are trying to pick a rehab center, you should ask how long the typical treatment is. Some facilities have 15 day programs, while others cater to 30 or 90 day programs. Before you pick a facility, you should know how long the stay is most commonly, and then call up your insurance to make sure you would be covered for that amount of time. Sometimes a facility might run a 90 day program, but your insurance only covers 30 days, so it's important to know if there will be a gap in between insurance coverage and completion of the program.

What Accreditation Faculty Members Have

It's really important when choosing a rehab facility to ask about the staff of the facility, and make sure that everyone is properly accredited to be in the position they are in. You want to make sure the doctors all are certified, the nurses are all properly trained, and that the staff is up to date on all their Continuing Education Credits. You want a facility that has staff properly trained to deal with patients detoxing off of substances, because withdrawing from certain medications or substances can be deadly if not treated properly.

You also want doctors that hold degrees or special certifications in the drug and alcohol addiction fields, such as an addiction medicine specialist. You should check out the degrees of all the major staff to make sure that no one is falsifying their records, and you should also ask about their backgrounds with addiction and recovery. You want to know that the staff has experience in dealing with patients who are addicts as well, because experience and background is just as important as the educational component.

Ask About Family and Visitation

Some rehab facilities have a policy that family members are not permitted to go to the rehab facility, unless it's a specific event being held as part of the recovery program. You should ask the rehab facility what the rules are when it comes to getting visits from friends or family or even something as simple as making phone calls. A lot of rehab facilities have strict policies on even using the telephone during treatment, because they want you focused on your recovery and therapy. If you are someone that is very close with family, then it's important to know the stance of the facility before you become a patient.

Religious Leadership at the Facility

Some rehab facilities are also more faith-based than others, so when choosing a rehab facility you need to look for something that satisfies your spiritual or religious background. If you are deeply religious, then it will be very important for you to look for a facility where you are supported by those religious leaders and church members, because faith and religion could be a big key to successfully completing treatment. For some people, they may not even care if a religious leader is available because they are not religious, but even then it's important to know what role religion plays at that specific facility. If you are not religious but a facility you have looked into says they have a lot of faith-based therapy, then it might not be the right facility for you. If you are of another religion such as Muslim, you may also want to know if any leaders are available from your religion or if there is at least a way to get into contact with those leaders if needed.

Sober Living or Aftercare

Some rehab facilities also have sober living facilities, which you can choose to be a part of once the initial drug and alcohol treatment is completed. Instead of just sending you back into the real world, moving into a sober living environment is another way some facilities choose to continue treatment. If you do not live close to the specific facility, you might ask if they have resources available to help you get back into your own neighborhood in a productive and positive way, such as an outreach program with a hospital. Some rehab centers work with local businesses to get newly-sober patients jobs, as part of giving back to the community.

It's very important that you ask about the aftercare and how the program helps you transition back into the community in a positive manner. You want to ask about whether or not there is staff available if you need to talk to someone or need support after you get out of the treatment facility.

Best Credit Cards in Canada

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Choosing a credit card is like buying a new car, if you don't research your purchase before and just pick the first thing you see. You'll likely end up running into a lot of problems somewhere along the line, you might even find that you absolutely hate how it works. If you just choose a card that has a bunch of special offers from your bank, you'll more than likely end in the same boat.

The credit card market currently has over 200 different credit cards, so accurately comparing the rewards and features of all of those cards on offer is a very difficult task. When it comes to convenience and the value you'll be getting, there is a wide range of cards you can choose from.

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When choosing your card, ensure that you keep your shopping and general money use in mind when making your decision. If you are the type to pay your bill in full and on time every month, the best option for you would be a reward type credit card as you'll really be reaping the benefits. If you're not as confident in your ability to fully pay your bill, the best type of card that might be for you is a low rate card, otherwise, you'll find yourself paying through the teeth for various fees and interest payments that are funding other peoples rewards.

The majority of the top cards do charge annual fees; however, the benefits that you will receive in return outweigh what you'll be paying, especially if you're spending at least $1500 a month with your card.

When it comes to credit cards, what is perceived as the best is subjective at best. So before deciding on the card for you, take a step back and ask yourself some very important questions. Finding the best card really depends on your own personal situation, so there is no single best card which will suit every person in the country, again, it depends on your needs. You may be a parent, looking for the best reward type card that will allow you to get the best deals from retailers that you frequent with your business, or you may be an adventurous person who loves to travel and your focus is on a travel rewards based card which will allow you to save a whole lot of money on your travel plans.

When you have found the perfect card for you and your lifestyle, one of the most important things to bear in mind is your credit score. If you still have leftover bills to be paid on previous cards, you will be likely seen as a risk and your chances of being approved for some of the better more reputable cards will be very slim. In which case, applying for a card from an institution with which you are already associated with or have been associated with in the past is probably one of the better option for you as they already know your history and have already formed a financial relationship with you. If you are feeling discouraged from getting a certain card due to the annual fee, this could be a pretty big mistake on your part as you're likely to earn rewards that far outweigh what you're paying in fees.

If you are leaning towards a travel reward based card, you should start off with a fixed rewards type card as this will mean that you won't have to worry about booking your flights with different types of air miles. If you are more experienced with credit cards, you'll more likely want to go with a travel points credit card type since you'll be able to better take advantage of special destination awards and transfer bonuses.

The Scotia Momentum Visa Infinite offers an interest rate of 19.99% with an annual fee of $99. If you use this card for $1000 or more each month, you'll end up with great rewards. The estimated cash back rewards for customers who spend roughly $2000 per month is $397.80 which is more than four times your annual fee. To qualify for this card you do require a high income, so if you are within a higher income bracket, this is definitely a card you might want to consider.

The Capital One Aspire World Travel MasterCard offers a 19.8% interest rate with an annual fee of $120. If you aren't sure whether you want a travel card or a cash back card, this card offers features of both types, if you decide you don't want to use your points for travel, you can convert them to cash instead. The estimated cash back rewards for customers who spend roughly $2000 a month is $350 so you are getting almost three times as much as your annual fee.

The Scotia Momentum Visa offers an interest rate of 19.99% with an annual fee of $39. This card is similar to the Momentum Infinite although this card comes along with a lower required income. This is a great back up choice if you get rejected for the Infinite, especially since you only need to have a minimum income of $1000 per month. The estimated cash back rewards for customers who spend roughly $2000 a month is $313.80 which is over eight times as much as you are paying for your annual fee.

The Rogers First Rewards MasterCard offers an interest rate of 19.99% with no annual fee. For every purchase you make with this card, you will earn two points, which is essentially a 2% return. The estimated cash back rewards for customers who spend roughly $2000 a month is $490 which obviously a great amount since you aren't paying an annual fee.

The MBNA Rewards World Elite offers an interest rate of 19.99% with an annual fee of $89. This card covers the collision damage waiver when renting cars, this is great for those who are often travelling and need to rent cars frequently. The estimated cash back rewards for customers who spend roughly $2000 a month is $320.70 which is over three and a half times what you would be paying for your annual fee.

The Sears Financial Voyage MasterCard offers an interest rate of 19.99% with an annual fee of $39. If you shop religiously in Sears stores, this is definitely the card for you since you'll really be taking advantage of the rewards of the card. The estimated value of the rewards received by customers who spend around $2000 per month is $320 which is over eight times as much as you will be paying for your annual fee.

Good credit cards have the potential to save you a bit of money, whereas the very best Canadian credit cards which I have discussed have the potential to save you a whole lot of money.

How To Donate Your Car For Tax Deductions - Guide and Tips

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Donating your car to charity for a tax deduction might seem like a great idea, but it's not always as simple as donating it and writing off the value of the car on your taxes. If you have an extra car or an older car you want to donate to lower your tax bill, here is some important information you should know about how this process works.

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Only Tax-Deductible Organizations Qualify

One of the most basic rules when it comes to donating your car is that you have to choose an organization that allows tax-deductible collections in order for it to work. You can't just find an organization to take your car for charity and expect to receive the tax deduction, since the organization has to qualify under certain rules. The charity also has to be willing to accept items under the premise it will be a tax deduction for you down the road. Typically, qualified organizations where you will normally see tax-deductible collections are charitable, educational, and religious institutions. If you want to find a qualified organization in your area where you can donate your car, you can search for it at the official IRS charity checker website. You should also call the organization you want to use for donation to make sure they are still qualified for the car donation under a tax-deductible status.

Your Adjusted Gross Income Matters

If you are thinking about donating your car for a tax deduction, you also have to keep in mind that your adjusted gross income does matter in this situation. You are not allowed to claim the tax-deduction if the total of the deduction is more than 50% of what you made under your adjusted gross income for that specific year. This means that if you only made $4,000 for the year, you cannot claim the tax-deduction if the value met or exceeded $2,000, so you should take that into account before you decide to donate your car to a charitable organization. You also can only claim this deduction if you have itemized deductions on your tax form Schedule A 1040, which means if you don't take itemized deductions during this process, you will not qualify to get the credit.

The Write Off Amount is Not From the Sale of the Vehicle

When you donate your car to a charity, there is a good reason to think they will sell the car quickly at an auction or other type of event. If this happens within 30 days of you donating your car, the charity will send you a receipt acknowledging what they sold the car for. This price is however, is not what you will use when it comes time to write off the tax deduction. For example, if you have a vehicle worth $1,900, but the charity sells the vehicle a couple weeks later for $1,000, you can only write off the $1,000. You cannot claim the higher amount that you believe the car was worth, although there are a few exceptions to this rule.

Know If the Car Is Being Used for Services

Some charities might actually use the vehicle you donated as a vehicle to help people get around to medical appointments or to somehow further the mission of the organization. This is one exception to the above rule, because the car is being used and not sold within the 30-day window. It's important that you ask how your vehicle will be used, so that you know what the tax implications will be from the decision. If your vehicle is being used by the organization, then you will be able to claim the full amount of what the car is worth, even if the organization later sells the car for less. For example, say you donate a car worth $1,000 but the charity decides to use it for handing out free meals across the city, but then later sells the car for $600. Well, since the car was being used for work, you will be able to claim the full $1,000, as opposed to if the car was being sold within that 30 day window for less.

Keep An Eye on Your Mail

Form 1098-C is the form that the charity will be filling out once you donate your vehicle, and this is a form that will also be mailed to your address. This form is crucial because it will state the gross proceeds from the sale of the car, and the gross proceeds is what you will claim on your tax-deduction. You need to make sure that the charity in question mails you this form within a reasonable time frame because you will have to keep this for your records if you get audited in between then and the next tax season. It's important to hang onto this document as well for at least 10 years, because the IRS might want to make sure that the car was really sold for what is stated on your form and on the 1098-C form. You do not have to fill anything out with this form, it's something that the charity has to do when they sell your vehicle, so don't worry about that aspect of the form. Of course, when you get this form in the mail you should look over it to make sure all of the information is correct, because clerical errors could hurt you when it comes time to make the tax-deduction.

Tax Rules Always Change

No matter when you decide to donate your car to charity, you should always know that the tax rules and regulations are an always changing situation. If you donated a car a few years ago, you should not expect or assume that the process or paperwork is the same this time around. You should always go online to the IRS website to check out the latest changes and publications related to donating your car for a tax-deduction to make sure you are going through the process correctly. It's also important not to listen to others who say they did it 10 years ago, and then proceed to give you advice on how to do it. If you want to make sure that you do the process correctly, you can always get a free consultation from a tax professional, since they can answer any questions you might have about it. You can also visit your county offices to learn more about what the rules are in that particular state if you are not sure. You should also contact the organization you want to donate with if you have questions, because there are people within the organization who deal with these types of deductions on a daily basis.

Carbide Products

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Carbide products can be used for a variety of things. Carbide is a hard metal material which makes it very strong and durable. For this reason, carbide products are frequently used for saw blades or drill bits. Carbide tips and bits break less frequently than others and stay sharp for longer too.

For most of these blades and bits, the actual body is made of steel and just the tip or edges are carbide. It's estimated that carbide tips can hold their sharpness ten to twenty times longer than steel tips. Carbide tips can be sharpened in the same manner as steel but require a stronger sharpening block ie something diamond-coated.

In addition to cutting tools and drills, carbide blanks can be milled into a variety of different products. Most carbide blanks are made of tungsten carbide which is a mix of carbon and tungsten. These blanks can be purchased from various online suppliers. Carbide blanks have various industrial uses.