I've been writing for 10 years and full-time for 4 years now (as in, with no other job and earning a decent living). I don't have an agent, but I consulted an arts-specific lawyer to assess my first contract before I signed it. It cost me about $90, and I subsequently requested a few changes, but not much. Do you have a writers' centre, or similar in your area? They might be able to recommend a lawyer who knows about the industry.
I'm sorry for those of you who have had a bad experience with a publisher trying to stiff you out of your money. That's never been my experience (although sometimes they are slow to pay royalties, or advances on translations, which is a pain). I write mainly for two big, mainstream publishing houses. Yes, publishers are about profit. It makes good business sense to get a long-term return out of their investment in you. If they stuff you around, you're going to go to someone else next time, and that's not good for their bottomline.
Also, remember that getting a big advance is fantastic, but don't forget it's an advance - you have to pay it back in sales, and you don't get any royalties until that happens. If you go for a modest advance and then you'll receive a steady flow of royalties sooner.
That's what I reckon anyway!
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