Introduction............................................................... xiii
1. You Must Always Acknowledge Your Reality................................ 1
2. To Really Change Your Life, Change Your Thinking........................ 14
3. Start by Understanding and Believing the Ten Truisms.................... 28
4. Truism #1: People Often Corrupt Their Own Thinking...................... 36
5. Truism #2: Believing Murphy's Laws Causes Needless Problems............. 48
6. Truism #3: People Need to Accept the Consequences of Their Decisions.... 56
7. Truism #4: Childhood Left Uncorrected Causes People to Fail............. 66
8. Truism #5: Sometimes, the Path of Least Resistance Just Isn't........... 79
9. Truism #6: Every Relationship Needs to Be Mutually Beneficial........... 89
10. Truism #7: Some People Achieve, but Most People Just Get By............ 101
11. Truism #8: One Single Factor Determines Every Person's Income.......... 113
12. Truism #9: If You Hurt Someone, They'll Probably Hurt You Back......... 120
13. Truism #10: Our Values Are Not Everyone's Values—and That's Okay....... 127
14. The Single Common Trait in All of the Truisms.......................... 140
15. How to Deal with Your Expectations..................................... 151
16. How to Deal with Other People's Expectations........................... 162
Postscript................................................................. 179

CHAPTER 1

You Must AlwaysAcknowledge Your Reality

If you think that you can't have what you want out of lifebecause you lack a fancy diploma or something else is missing, youare wrong! I never believed that I couldn't have success, and youshouldn't believe that either. If you're reading this book, that's proof ofyour desire to improve your life, and that's everything you need. If youdon't succeed, it's your own fault.

I want to start this chapter by telling you that, while this chapter isabout your metal state, it's not about holding crystals to your foreheadand burning incense. Don't fight the concepts that I'm going toexplain—it will make sense.

As a newly married young adult, I felt that I was experiencing fartoo many disappointments, misunderstandings, and frustrations in mylife. With very few exceptions, every one of those struggles came as atotally unanticipated surprise. Regardless of the nature of my struggles,I thought I had too many of them to deal with. Yes, the definitionof "too many" is different for everyone, but for me, each of thosefrustrating situations was unpleasant, and dealing with them weekly oreven monthly was far too often.

My wife and I hated those setbacks and difficult situations becausethey were unpleasant and often resulted in bickering and blaming.Bickering and blaming does little to solve problems, and doesn't preventthe problems from happening again. Mostly, we both disliked arguingwith anyone—regardless of who eventually won the argument. Wepreferred calm, pleasant, and productive relationships with each otherand with other people. We also had too many financial struggles.We really wanted to be able to pay all of our bills on time and havelots of money left to do whatever we wanted to do. I became verymotivated to figure out how we could permanently eliminate most ofthese frustrating situations that caused life to be so difficult. Even tome, those goals sounded like they were very difficult to reach. But I wasdetermined to get as close to it as possible because struggling, arguing,being disappointed, and going without sucked. I knew that I didn't wantto live my whole life like that.

I figured it out and I achieved my goals, and looking back, it nowall makes sense, and that's why I decided to write it out for my familyand friends.

Understand Your Problems

When people are faced with seemingly insurmountable problems,it's common for them to blame other people that are involved in theproblems and then part ways. That happens with friends, employmentsituations, business associations, and all other types of relationships.Regardless of the relationship, separation without resolution usuallymeans that the people either continue to struggle with life alone orfind someone new with whom they'll share their struggles. They don'tbother to understand the causes of the problems, so they eventuallyencounter most of the same problems again. Thankfully, my wife andI acknowledged that, except for a few rare situations, divorce doesn'tresolve most of the problems. Divorce just gives people separate addressesand more expenses while they continue to fight about the same money,the same children, and all of the other unresolved problems they stillhave. My wife and I knew that our marriage was not the cause of ourproblems, so common sense told us that ending our marriage wouldn'tsolve our problems. There had to be a real solution.

Eventually, I figured out the first step: Don't try to deal with yourproblems. It's stupid and futile and doesn't improve your life.

Don't try to deal with your problems? Well, I don't mean that youshould ignore your problems. I mean that spending your entire lifetrying to deal with problems is like signing up for a lifetime of playingWhac-a-Mole. No thanks! Don't stand there beating the moles as fastas you can for your entire life. The easiest way to end that struggle isto reach behind the machine and unplug it. The cord is the source ofthe problem, and that mallet is a crappy solution. The first step youmust take to improve your life is to stop dealing with the same typesof problems over and over. Dealing with problems is reactionary—that'snot what you want to do.

Reactive solutions to an existing problem are only slightly helpful;they don't change what happened or explain why things aren't alreadyhow you want them to be.

The first step to developing a viable and permanent method tosolving your problems is to first figure out why the undesirable situationsexist and why better situations don't. A reactive solution is like moppingup a puddle of water that keeps appearing on the floor in front of thesink. Wiping up the water every once in a while does deal with theproblem of water on the floor, but you're going to keep wiping uppuddles until you find out where the water is coming from and fix that.Obviously, that's a situation that we'd normally handle properly, but youneed to understand that successful people don't deal with problems—theyidentify the sources of their problems and then eliminate thosesources. You need to, find the causes of the problems, and deal withthose causes to prevent the problems.

How do you find the causes for all of your problems? Sometimes it'seasy to find the cause of a problem and sometimes it takes some effort. Themost important thing is for you to believe is that the only way to improveyour life is to understand that you need to stop dealing with repeatingproblems, and to do that you must look at the problems honestly so thatyou can identify their causes. Remember; blaming other people doesn'tprevent the problem from returning—and neither does ignoring problems.We all know that if we ignore problems, they rarely solve themselves; theyusually get worse, and we see them continually until we do somethingdifferently. Sometimes, problems can't be anticipated—they come intopeople's lives and all we can do is deal with the consequences. My wifeand I were no different. We found no obvious or easy way to deal withthose situations either, but we knew that we were going to experience thesame problems until we did something different. In those situations, allwe can do is make sure we prepare for the unexpected. That might meanhaving some money in reserve, or buying better insurance instead of abetter vacation. It's amazing how much smaller big problems are when wehave the resources to deal with the problem. Big problems and unexpectedproblems are usually only problems for us when we're unprepared andhave no resources or ideas how to resolve them.

Still, most problems that we deal with are avoidable and can beavoided if we identify the cause and only solve the problems once—correctly.In order to identify what was really causing me and my wifeto repeatedly experience unpleasant situations, I had to start payingattention to my reality, and that required that I be honest with myself.That wasn't always pleasant or fun but neither was being unhappybecause I was not getting what I wanted out of life.

I have to pause here and tell you that I was born with an overlypragmatic brain. I'm not sure if that's a legitimate medical condition (Isuspect it's not), but that's always been a challenge for me to handle.One of the symptoms of being overly pragmatic is that I can't be satisfiedwith impulsive explanations that allow me to dismiss a problem. Forexample, when I find myself in a disagreement with someone, I can'ttake the easy option of blaming that person for the misunderstandingbecause I know that option won't prevent similar misunderstandingsfrom occurring again in the future.

Even with my total commitment to my goal, it took years toincrementally figure out why unpleasant things really happened inmy life. If you sincerely want to improve your life, look at eachunpleasant situation and really examine the conditions that cause itto exist. More often than not, you need to look back further thanthe most obvious cause. I often considered what had caused me to beinvolved with certain people or to be in a certain situation that thencaused me to make what turned out to be bad decisions. As the oldsaying goes, "Peel the onion all the way, even when it makes you veryuncomfortable."

As I uncovered the true causes for my disappointments and struggles,I discovered some good news. I found that although I had a lot ofdifferent struggles and disappointments, there weren't as many separatecauses that I'd have to work on. There were actually fewer than a dozenthings that I was consistently failing to deal with properly. Those thingswere all part of the ever-present reality that was the major part of mylife to which I didn't give near enough attention. As I learned how todeal with my reality, there were fewer disappointments, arguments, andregrets in my life. That was great, but here's the best part: as I correctlydealt with my reality more and more, my financial situation improvedwithout my even working on it.

Let's look at why that happened without me working on that.

Despite the financial obstacles we all face, it's actually very easyto improve your financial situation at least a little bit. When you dosomething a little bit over and over, you end up with a lot.

So how does that work? No, I'm not talking about setting up a budgetand tracking how you spend your money! Here's the simple explanation;people argue about all kinds of things, but most serious disagreementsare directly or indirectly related to financial issues. Financial problemscause stress, and stress causes people to look for quick relief, whichfrequently results in blaming somebody. Blaming someone else doesn'tactually bring relief, and it doesn't solve problems, so people continueto live with the same money problems and the same frustration andstress. If people can't meet their obligations or the expectations theyhave for their own lives, they're unhappy, even if they pretend they'reokay. Again, early on, my wife and I were just like everyone else; weexperienced the same stress and frustration. I don't criticize my wifeor myself for failing to remain cheerful when we couldn't meet ourcommitments to our creditors, our children, or each other.

When my wife and I struggled with financial problems, the stressoften caused more problems. Early on, our tendency to blame each otherand justify our own faults would exacerbate the financial problems atleast a tiny bit more. Once we agreed to work together to acknowledgeour reality rather than blame each other, we started figuring out whatreally caused the problems and doing that stopped us from relivingthe same struggles over and over. That caused our financial situationto permanently improve a little bit, which automatically improved ourmarriage a little more. As our relationship improved, we worked bettertogether and made better decisions. This cycle of improvements inour finances and our relationship continued, and with a consciouscommitment to not let setbacks break the cycle, it eventually led usaway from financial struggles permanently. It doesn't happen instantly,but a little improvement over and over adds up to a lot.

Don't worry about how to identify the causes of your problems orhow to find the solutions and implement the changes—you will not beleft on your own to do that. The purpose of this book is to help youwith all of that.

However, just to be perfectly clear, I never had wealth like DonaldTrump or other super-wealthy people. Honestly, I never really wantedto reach that rare level of wealth that some people attain. We'll addressthat subject in Chapter 10. Still, I did reach a point at which I didn'tneed to worry about how I'd pay my bills, and we did get those thingsthat made us happy. If you need more details than that before youdecide if this book can make a difference in your life, well, I'll tell youthis:

• My wife and I bought a modest house. It was small but adequate,and over the years, we put every luxury item that we wanted intoit and made it our home.

• I paid all of my bills as soon as they arrived, set the thermostatto whatever temperature made us comfortable, and watered mylawn as much as was needed to keep it very green (yes, I know;some people think I need to apologize to some polar bears).

• We bought any furniture, appliances, jewelry, clothing, shoes,and so on that we wanted.

• We ate in any restaurant that we wanted to, and we would leavegenerous tips for exceptional service.

• We started giving nice gifts for Christmas, birthdays, andspecial occasions, and each year, we gave away more money tofamily, friends, and charities than a lot of people earn.

• We took three or four nice vacations each year.

• We paid off the mortgage on our house and bought each otherluxury automobiles.

• We had years of income saved in investment accounts.

• And, yes, we paid our state and federal taxes in full every year.

Most important, we didn't have to pick a few of these things. Wewere able to enjoy all of them at the same time, year after year! Mywife and I used our understanding of reality to make consistently gooddecisions for our employers—and our employers compensated us wellfor many years for those decisions.

Oh, one last thing—I didn't write this book to make more money.I already live as comfortably as I want. Please believe me when I tell youthat I wrote this book for you, not for me. Quite honestly, I'm not richby the conventional American definition, and giving out that personalfinancial information isn't a poorly veiled method for bragging. I'drather not provide my personal information because doing so is morelikely to cause problems for me than benefit me. I told you about mypersonal finances because I want to help you envision what's possible foryou. If you faithfully implement the principles in this book into yourown life, your life will be infinitely better, too.

My wife and I were able to thoroughly enjoy life and each other.Then, in June 2006, she was diagnosed with a rare and terminalneurological disease. For the first two or three years, it was mostly aninconvenience. The following two years were very hard for her, but shepersevered by maintaining as many purposes as possible and fightingthrough the difficulties. Despite her efforts, by late 2009, her ability totake care of herself was gone. Thankfully, we had enough money savedto allow me to stop working and give her full-time, personal attention.Being able to spend that time with her was more important than I canexplain. I can't even imagine how horrible it would have been for herif I had needed to leave her with someone every day and go to work sothat I could pay the bills.

By early 2010, her ability to understand what was going on wasseriously diminished, and her ability to travel would soon be gone.So we spent that summer traveling, and our son, Mike, took care ofeverything at home while we were gone. We went everywhere—fromSan Diego to northern Maine, from Key West, Florida, to Bellingham,Washington. God bless Ed and Debbie Brinson for having us as guestsin their home in Bellingham! Being able to spend that time togetherand having the money to travel together was such a blessing. The factthat we had previously worked to understand what had caused ourproblems and had learned to acknowledge and deal with our realitymade it possible for us to spend that time together. We had figured outwhat we needed to do to end our financial struggles and enjoy our timetogether. If it were not for the horrible medical condition, we would stillbe enjoying our lives together.

Defining Your Reality

Dealing with reality may sound unappealing because you thinkit will be difficult or because it will make life far less spontaneousand enjoyable, but that isn't true. Learning to deal with reality is likelearning to read. Learning to read required effort and discipline, butonce you learned how, you never considered going back to not being ableto read. Learning to read didn't make life more difficult—it made yourlife better. After your life improves as a result of dealing with reality fora while, I guarantee that you'll refuse to go back to the attitudes and thethinking that you're now so reluctant to change. Believe me—once youdo it for a while, you'll think that not dealing with reality is incrediblystupid and it will make you uncomfortable when you think that youused to live that way.

You might believe that you already deal with your reality, and youprobably do to some degree. However, most people deal with reality inreactionary ways. If you acknowledged and dealt with your reality asoften as you should and in the way that you should, you wouldn't needto read this book. When you deal with your reality properly, you'll avoidproblems, not call those problems your reality.

(Continues...)

Excerpted from FINALLY! The Stuff You REALLY Need To Improve Your Life by PAUL SKORNIK. Copyright © 2013 Paul Skornik. Excerpted by permission of AuthorHouse.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.

“Acerca de” puede pertenecer a otra edición de este título.

PBShop.store US

Wood Dale, IL, Estados Unidos de America

Vendedor de 5 estrellas

Vendedor de IberLibro desde 7 de abril de 2005

Tarifas de envío en Estados Unidos de America

Artículo	De 7 a 14 días hábiles	De 7 a 14 días hábiles
Primer artículo	EUR 0,00	EUR 0,00

Los plazos de entrega los establecen los vendedores y varían según el transportista y la ubicación. Los pedidos que pasan por la aduana pueden sufrir retrasos y los compradores son responsables de los aranceles o tarifas asociadas. Los vendedores pueden ponerse en contacto con usted en relación con cargos adicionales para cubrir cualquier aumento en los costes de envío de los artículos.

Métodos de pago

Descripción de la tienda

We first started out as “The Paperback Exchange,” a chain of physical bookstores where we would part exchange your beloved books for new stories to transport you to faraway places. However, as shopping started to evolve to online shops and marketplaces, we bid our stores goodbye to become “PBShop.” This transition has only allowed us to blossom as we now ship thousands of titles to book lovers across the globe. We pride ourselves in being a community of local book lovers which allows our passion and devotion to shine in everything we do. In 2020 we not only celebrated our 20th birthday but our 1st birthday as being completely employee owned after becoming an E.O.T in September 2019. We are proud to be different and embrace standing apart on a book mountain by working from a virtual inventory which allows us to provide thousands of books that may be difficult to get for your bookshelf or your studies. Working with a number of different suppliers allows us to explore other avenues such as puzzles, sheet music and even stationery so we really do have something for everyone. Life is about being versatile in all realms of existence. If this is your first visit or you are a returning customer, we would like to welcome you to the PBShop family, for there is no friend as loyal as a book. We are a company who put our customers at the centre of everything we do as we understand the importance of reading because once you learn to read, you will forever be free. There are a whole lot of things in this world of ours that we are yet to explore, which is why we will forever inspire curious minds.…

Especialidad

Hardbacks, Paperbacks

Información empresarial del vendedor

Pbshop.co.uk Ltd

Unit 22 Horcott Industrial Estate, Horcott Road
Fairford, Reino Unido GL7 4BX

Contactar con el vendedorVer los artículos de este vendedorVer la página principal del vendedor

Condiciones de venta

Returns Policy
We ask all customers to contact us for authorisation should they wish to return their order. Orders returned without authorisation may not be credited.
If you wish to return, please contact us within 14 days of receiving your order to obtain authorisation.

Returns requested beyond this time will not be authorised.

Our team will provide full instructions on how to return your order and once received our returns department will process your refund.
Please note the cost to return any unwanted order to us is borne by the buyer.

Should your order arrive damaged, not as advertised or faulty, we must be advised of this within 14 days of delivery. Please contact us so we can find the best solution for you.

Our Customer Care Team can be contacted via emailing paperback-us@paperbackshop.co.uk, or by calling our UK Office on +441285 712 917. We are available 9:00am till 5:30pm GMT weekdays and 9:00am till 1:00pm GMT on Saturdays.

Derecho al desistimiento

Si es un consumidor, puede rescindir el contrato de acuerdo con lo siguiente. Por consumidor se entiende cualquier persona física que actúe con fines ajenos a su actividad comercial, empresarial, oficio o profesión.

Información sobre el derecho de desistimiento

Derecho legal de desistimiento

Tiene derecho a rescindir este contrato en un plazo de 14 días sin dar ningún motivo.

El periodo de desistimiento vencerá a los 14 días desde que usted, o un tercero que no sea el transportista e indicado por usted, adquiera la posesión física del último bien o del último lote o pieza.

Para ejercer el derecho de desistimiento, complete de forma electrónica y envíe una declaración clara en nuestro sitio web, desde "Mis compras" en "Mi cuenta". Le enviaremos sin demora un acuse de recibo de dicho desistimiento a través de un soporte duradero (por ejemplo, por correo electrónico).

Para cumplir con el plazo de desistimiento, basta con que envíe su comunicación relativa al ejercicio del derecho de desistimiento antes de que venza el periodo de desistimiento.

Efectos del desistimiento

Si rescinde este contrato, le reembolsaremos todos los pagos que hayamos recibido de usted, incluidos los gastos de envío (excepto los gastos adicionales que surjan si elige un tipo de envío que no sea el tipo de envío estándar más económico que ofrecemos).

Podemos hacer una deducción del reembolso por la pérdida de valor de cualquier bien suministrado, si la pérdida es el resultado de una manipulación innecesaria por su parte.

Efectuaremos el reembolso sin demoras indebidas y, a más tardar, 14 días después de que se nos informe de su decisión de rescindir este contrato.

Efectuaremos el reembolso utilizando el mismo medio de pago que utilizó para la transacción inicial, a menos que haya acordado expresamente lo contrario; en cualquier caso, no incurrirá en ningún cargo como resultado de dicho reembolso.

Podremos retener el reembolso hasta que hayamos recibido los bienes o hasta que nos haya presentado una prueba de que los ha devuelto, lo que ocurra primero.

Deberá devolver los bienes o entregarlos a PBShop.store US, Springfield Gardens, New York, U.S.A., +44 1285 712917, sin demoras indebidas y, en cualquier caso, en un plazo máximo de 14 días a partir del día en que nos comunique su desistimiento del presente contrato. El plazo se cumple si devuelve la mercancía antes de que venza el periodo de 14 días. Tendrá que asumir los gastos directos de devolución de los bienes. Usted solo es responsable de la disminución del valor de los bienes como resultado de una manipulación distinta a la necesaria para establecer la naturaleza, las características y el funcionamiento de los bienes.

Excepciones al derecho de desistimiento

El derecho de desistimiento no se aplica a lo siguiente:

La entrega de periódicos, diarios o revistas, con la excepción de los contratos de suscripción; y
El suministro de contenido digital que no se proporcione en un soporte tangible (por ejemplo, en un CD o DVD) si, al hacer el pedido, aceptó que podíamos empezar a entregarlo y que no podría desistir una vez iniciada la entrega.

Condiciones de envío

Books are shipped from our US or UK warehouses. Delivery estimates allow for delivery from either location.

Privacidad y seguridad

We are committed to protecting the privacy and security of personal data. This policy tells you how we will collect and use your personal data, and what you should expect in respect of the personal information about you that we have collected.

We are PBShop.co.uk Limited (registered in England & Wales with Company No: 9366362). Our registered office is at Swatton Barn, Badbury, Swindon, SN4 0EU, United Kingdom.

The person with responsibility for our data protection compliance is the Managing Director and they can be contacted via email at help@pbshop.store.

We are the data controller of the personal data that we keep and use, and we are therefore responsible for making sure that our systems, processes and people comply with the relevant data protection laws in respect of that personal data.

We will act in respect of personal data to comply with the six principles of the General Data Protection Regulation (“GDPR”), which are:

Lawfulness, fairness and transparency;
Purpose limitation;
Data minimisation;
Accuracy;
Storage limitation;
Integrity and confidentiality.
You have rights in respect of how your personal data can be processed; these include the right to request:

a copy of your personal data;
that inaccurate data is rectified; and
that your personal data is, in certain circumstances, erased or restricted.
You have the right to complain to the Information Commissioner, which you can do by contacting the Information Commissioner’s Office (ICO) directly. Full contact details, including a helpline number, can be found on the ICO website (www.ico.org.uk). This website also has useful information on your rights and our obligations. However, please raise any concerns or issues with us first so that we may deal with this as quickly as possible for you.

COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA
We collect and process data for the following reasons:

personal data collected and created in relation to our selling books and other items; and
personal data relating to our people (which means those people working for our company, or providing services to us, or potentially working or providing services to us, including employees, consultants, temporary or casual workers and contractors).
All of our people are required to abide by our Privacy Policy when handling personal data, and are provided with appropriate data protection training. Any breach of data protection will be taken seriously, and may result in disciplinary action.

Selling books and other items
COLLECTION:
We will collect personal information which may include names, addresses and other information for our customers. This will be done for the management of the commercial relationship with our customers.

We may collect this personal data from you directly, and also from third parties, including publicly available third party sources. Additional personal data will be collected as it is created by or supplied to us in the course of anything we do for you.

USE:
We will use the personal data in the course of making sales and to comply with requirements that we are required to undertake.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

in performance of a contract (the agreement to sell books and other items); and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be far less common:

where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
DISCLOSURE:
We may share personal data with third parties as is necessary in the sale of books and other items, including to third party providers who deliver services to support the operation of our company.

In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.

RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. Normally, our retention period for personal data collected for this purpose is a minimum of 6 years after the end of the period that we are selling books and other items.

Our people
COLLECTION:
We will collect names, addresses, contact details, education and employment history, identity and other background checks (which may include appropriate criminal and financial checks and confirmation of the right to work in the UK), marital status and information on next of kin and dependents, financial information (such as bank details and NI numbers), date of birth, gender, a copy of your passport and driving licence, performance information and compensation history, recruitment information (including references), salary, benefits, pension and annual leave information, disciplinary and grievance information, photographs, information about your use of our information and communications systems and CCTV footage or other information obtained through electronic means.

We may collect and use special categories of personal data as required in the carrying out of obligations and exercising specific rights of us or the data subject in the field of employment. This may include information relating to matters such as health, racial origin, religious belief and offences or alleged offences.

Personal data may be collected from you during the selection process (for example via your application form and CV) and during your employment (including holiday forms, expense claims, performance reviews, any disciplinary or grievance processes), or from third parties, including referees, health service providers, background check providers.

USE:
Personal data of our people will be used for HR administration and management, both in respect of the selection of people to work for us (including suitability, eligibility and/or fitness to work), and those who do work for us, to include learning and development, disciplinary and security (of people, offices and data) requirements, providing and liaising with benefits providers, business management and planning (including accounting and auditing), paying you and dealing with tax and NI deductions, assessing and deciding on salary reviews and compensation, conducting performance reviews and managing performance, dealing with legal disputes involving you or others, preventing fraud, monitoring your use of our information and communications systems, ensuring compliance with our policies, and equal opportunities monitoring.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

In performance of a contract with you; and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be less common:

where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.

In respect of special categories of personal data, we may process this in the following circumstances:

in limited circumstances with your explicit written consent; and/or
where we need to carry out our legal obligations and in line with our policies; and/or
where it is needed in the public interest (such as for equal opportunities monitoring or in relation to our occupational pension scheme), and in line with our policies; and/or
where it is needed to assess your working capacity on health grounds, subject to appropriate confidentiality safeguards.
Less commonly, we may process this type of information where it is needed in relation to legal claims or where it is needed to protect your (or someone else’s) interests and you are not capable of giving your consent, or where you have already made the information public. We may also process such information about our people (or former people) in the course of our legitimate business activities with the appropriate safeguards.

The special categories of personal data may be used in the following ways:

in relation to leaves of absence, to comply with employment and other laws;
in relation to your physical or mental health, or disability status, to ensure your health and safety in the workplace and to assess your fitness to work, to monitor, manage and administer benefits and absences;
in relation to your race, national or ethnic origin, religious, philosophical or moral beliefs, or your sexual life or sexual orientation, to ensure meaningful equal opportunity monitoring and reporting.
DISCLOSURE:
Personal data may be transferred to service providers who support the operation of our business (such as payroll service providers), to other third parties reasonably necessary in the conduct of our business (including insurers, professional advisors, regulators). These third parties may be acting as processor, or controller of personal data in their own right.

RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. We will normally keep personal data of applicants who we do not employ for six months after we receive it.

We will keep personal data of employees throughout your employment and normally for a minimum of six years after your employment ends.

Changes to your personal data
It is very important that the personal information that we hold about you is accurate and current. Please tell us if your personal information changes during your relationship with us.

Data Security
We have put in place measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those of our people and other third parties who have a business need to know. They will only process your personal data on our instructions and where they have agreed to treat the information confidentially and to keep it secure. We have put in place procedures to deal with any suspected data security breach and will notify you and the ICO of a suspected breach where we are legally required to do so.

Where we store your personal data
We principally store data, both electronically and on file, at our office.

Personal data may be transferred outside of the EEA by processors acting on our behalf. For transfers to countries not considered adequate by the EC, we will ensure that personal data is adequately protected, as required by the GDPR. This would include by use of the Standard Contractual Clauses adopted by the EC to protect personal data.

Your rights
Under certain circumstances, you have the right by law to request:

access to your personal data. This enables you to ask to receive a copy of the personal data that we hold about you and to check that we are lawfully processing it.
correction of the personal data that we hold about you.
erasure of your personal data.
object to processing of your personal data where we are relying on our legitimate interest and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
restriction of processing of your personal data.
transfer of your personal data to another party.
Links from our website
Our website may, from time to time, contain links to and from the websites of third parties that we permit to make such links. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. We recommend that you check these policies before you submit any personal data to these websites.

CHANGES TO THIS PRIVACY POLICY
Any changes we may make to our privacy policy in the future will be posted on our website, so please ensure that you are viewing the correct version.

Please contact us if you have any questions, comments or requests regarding this Privacy Policy.

Last amended May 2021.

FINALLY! The Stuff You REALLY Need To Improve Your Life

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