Divorce, Mortgages and What to Do with Your House

Divorce, Mortgages and What to Do with Your House

If you’re getting separated or divorced, where you’ll each live is one of your biggest concerns. You have questions, like: “Can one of us keep the house?”; “Should one of us buy the other out?”; “How do we figure out what our house is worth?”; “Can I qualify for a mortgage, and what can I do to increase my chances?”; “What if I have been out of the job market for years?”, and “If I don’t keep the house, should I rent or buy?” Mortgage professional Margie Hofberg has decades of experience helping separating and divorcing people to navigate this often anxiety-producing process. In this episode of our podcast she shares helpful, reassuring, important and often surprising tips you need to know right now (before you sign your Separation or Divorce Agreement!) –to ensure that your transition from one household to two goes as smoothly as possible.

Divorce, Mortgages and What to Do with Your House

How to Protect Children in Divorce: Lessons from the Latest Research

How to Protect Children in Divorce: Lessons from the Latest Research

What steps can you take to make sure your divorce doesn’t cause permanent damage to your child’s development? Psychologist and divorce expert Dr. Lisa Herrick joins us to discuss what we can learn from the latest research on the impact of divorce on children of all ages, including how to identify “risk factors” and implement “protective strategies” — so that your divorce can remain a sad memory rather than a bad developmental turning point.

Here’s the link: How to Protect Children in Divorce: Lessons from the Latest Research

Is Collaborative Divorce Right for You?

Is Collaborative Divorce Right for You?

Collabortive Divorce is an an out-of-court way to resolve your divorce disputes in a respectful, non-adversarial manner. Never heard of Collaborative Divorce? Heard of it, but want to know more? In this episode of my divorce advice podcast, we are again joined by family law attorney Suzy Eckstein. Together we explain and demystify the important aspects of Collabortive Divorce– what it is, how it works, and what makes it different from all other divorce process options. We address common questions and concerns, such as “What is the difference between Collaborative Divorce and mediation?”, “How much does Collaborative Divorce cost?”, “My spouse and I communicate pretty well, do we really need Collaborative Divorce?”, “Is it true that if I end up having to go to court I’ll lose my lawyer?”, “What if my ex isn’t the collaborative sort?”, “What if I have a secret I don’t want to disclose?”, “What if I’m worried my spouse is hiding something?”, “What if my spouse is abusing drugs?”, “What if there is violence in our family?”, and more.

Is Collaborative Divorce Right for You?

How to Find the Right Divorce Lawyer for YOU

How to Find the Right Divorce Lawyer for YOU

You’ve decided to get divorced (or your spouse has decided for you)… Where to begin?

In this episode of my Divorce on Planet Earth podcast, Jane and I are joined by experienced family law attorney Suzy Epstein. Together we take on the confusing questions “How can I find a good divorce lawyer who is right for me?”, and “What are the the different ways to get divorced?” We then turn our attention to other common questions, such as “How much is this going to cost, and can I get my spouse to pay for it?, “How long is this going to take?”, “How can I get my spouse to move out?”, “What if my spouse takes me to court?”, “Do we have to get attorneys?”, “Can we make do with one attorney?”, “What is the difference between mediation and Collaborative Divorce?”… and many more. Here’s the showlink: Episode 23 Part I: Finding the Right Divorce for You: What are Your Options and How do You Choose? . If you want to learn more, here’s an article I wrote for HuffPost: Shoppng for a Divorce Lawyer: One Size Doesn’t Fit All. And here are links to resources we discussed in the show…

How to find family lawyer extraordinaire Suzy Eckstein

How to find a list of family lawyers near you: American Academy of Matrimonial Lawyers

How to find a family mediator near you: Academy of Professional Family Mediators

How to find a Collaborative Divorce professional near you: International Academy of Collaborative Professionals

Talking to Your Kids About Your Divorce

Talking to Your Kids About Your Divorce

For most divorcing parents, breaking the news to their kids is one the most upsetting parts of the experience. What, when and how to tell them? How to ease their pain? What if you and your future ex can’t agree on a message? Take a breath, relax. You need some guidance and a plan. In this episode of her podcast, Kate offers “10 Tips for Doing a Good Job with the Scariest Conversation of Your Life”. Listen to it on Apple Podcasts, Spotify or under the “Podcasts” tab on this site.

“10 Tips for Telling Your Children About Your Divorce Apple Podcasts

Easing the Pain When a Parent Moves Out

It’s right up there with telling your children about the split — another anxiety-producing, watershed moment in your life as a divorcing parent.The day one of you moves out.

Whether you’re staying or going, you’re worried about your kids. Even if you know lots of divorced families, it’s hard to imagine how your children will cope with the transition to living in two homes.

You’re looking for ways to ease the pain. Here are some tips:

(Note: Tips 2-9 are geared to the moving-out parent, but are relevant for both of you as you co-parent through this phase)

1. Minimize surprises
Your kids’ first questions will be basic: They’ll want to know who’ll live where, when they’ll see you, and if they’ll have to give up anything important — friends, school, activities. Offer them a roadmap of what to expect — including a move out date. Give enough advance warning that your kids will feel prepared, but not so much that they’ll be tortured by anticipation. There’s no magic number — two weeks is usually about right.

2. Real estate is for adults
Many well-intentioned parents think that by including them in the search for new digs they can give their kids a sense of agency and replace sadness with excitement. Actually, divorce-related house shopping scares children (“What if I make a bad choice?”), confuses them (“Am the other grown-up now?”), and sets them up for disappointment (“What do you mean we lost the apartment?”). Make this decision on your own. Later you’ll all have fun making kid-appropriate choices, like bedroom décor and video game consoles.

3. Be thoughtful about “stuff”
Children are sensitive to change and develop quirky attachments to objects. So give your kids a heads up before removing visible items from the marital home. If you take something big (a couch, a coffee table), work with your spouse to replace or rearrange things so the house doesn’t look decimated.

Especially if you’re moving into temporary space, you may not want to divide your belongings right away. But do take enough meaningful things (some family photos, a few toys) to create a sense of familiarity.

If a child has an emotional tie to an important item (a security blanket, a stuffed animal), encourage them to carry it back and forth. But don’t expect them to track it during transitions — that’s your job.

Do not pack boxes or move things out of the house while the kids are there, even if they’re asleep!

4. Set the scene
Before you bring your kids to your new place, procure the basics. If time or money is tight, focus on one comfortable hangout space (a couch, a t.v.), an eating area (table, chairs), and the bedrooms (beds, dressers). Stock the fridge and lay in bathroom supplies, some clothing staples, and a few favorite playtime activities.

5. Plan a gradual transition
Your kids will fare best if you don’t push for too much too fast. Consider a few daytime stints before graduating to overnights. There’s no set formula for the ramp-up. Factor in your children’s ages and temperaments, and remain open to slowing down or speeding up if they seem to need it. If you and your ex disagree on pacing, get input from a mental health professional with the right expertise.

6. Let them show off
If tensions aren’t too high, encourage your kids to give their other parent a tour of the new place. Feeling they have both of your blessings will help them settle in.

7. Be patient
It’ll take a while for your kids to feel they have two equally important residences, so resist the urge to correct them when they reflexively refer to the marital house as “home.” A comment like “Hey, this is your home too,” may shame or irritate. Instead, lead by example. Replace “I’m gonna take you home now” with “It’s time to go back to Brentwood Street.” Give it time: Your kids’ language will naturally shift as they adjust to their new normal.

8. Maintain continuity
School age kids will resist time with you if it disrupts their social lives. Regardless of the schlep, make sure they get to soccer practice, playdates, birthday parties. And extend invitations — nothing says “home” like a sleepover pizza party.

9. You can’t have too many friends
Helping your kids to sustain old relationships shouldn’t stop you from helping them to form new ones in your neck of the woods.

10. Maintain consistency
You won’t get perfect symmetry, but aim to coordinate with your ex on fundamentals like mealtimes, bedtimes, and (if your kids are older) homework, chores, and discipline. Even if they grumble, your children will feel safer if their parents are in synch.

11. Be compassionate
It’s natural for your kids to have moments of missing their other parent. Try not to get angry (“You saw Dad two hours ago!”), defensive (“What am I, chopped liver?”), or reactionary (“Fine, get your coat!”). Calm statements like “I know you miss Mommy. It stinks that you can’t be with both of us at the same time,” or “You’ve had to deal with lots of changes; it’ll take time for this to feel like home” will reassure your kids that you understand and accept their feelings.

12. Soft-pedal “goodbye”
Separations needn’t be agonizing. Let your kids know that you’ll have them in mind but won’t pine away in their absence. A tearful “I’ll miss you, call me whenever you want,” will heighten anxiety. A breezy “Have fun this weekend, I’ll see you Monday” will give your kids a solid launch.

Finally…

13. It’s not a contest
If you’re moving out, you might worry that your ex has the home field advantage. If you’re staying, you might worry that the new place has more allure. Relax: Condo or mansion — if yours is a warm, nurturing environment in which their practical and emotional needs are met, your kids will want to be there.

After all, your house is not your children’s emotional home. You are.