WHAT ARE THE PROS AND CONS OF VENDOR FINANCE?

 

What is Vendor finance?

A buyer may need a loan to purchase the house. There are different kinds of loans, like bank loans. But these loans require payment proof or a guarantor. It is not possible for people with a low pay rate. So, when a seller arranges money for the buyer, it is called vendor finance. This money is returned in installments at specific intervals of time. Purchase vendor finance homes is a completely different method. We take a look at what it means and the pros and cons of Vendor finance.

It is advised to take expert advice before asking for vendor finance. As there are some risks in these kinds of loans. So, before signing any agreement, ask the experts. Aylward Game is one of the old vendor finance advising companies. They can assist you in your property purchase.  

Risks of Vendor Finance?

You may look for vendor finance if you don’t fit on the merit of a bank loan or any other financial assistance. The vendor finance is often good, but it can be risky. For instance, these options are advertised just to attract a large number of buyers and to secure some quick sales. But it is wise to know some common risks before choosing this option. Vendor finance homes are not easy to purchase.  

In the recent era, vendor finance has criticized as a company We Buy Houses was banned by the Federal Court. As its representation was full of lies. These options are made to attract an audience who cannot even think of owning a house. These loans also have the same rules as other loans.

MS Pierce Pointed to the common Risks or challenges in Vendor Financing:

• There is confusion about who owns the property during the loan agreement. Who will be paying for the utility bills?
• These loans are of high amount. This loan is usually double the original amount of the property. So, they cannot recover what they have paid. They cannot even refinance with a bank.
• The agreement is too complicated. None of them has equal rights. The vendor enjoys more. The buyer never owns the property, and the vendor is never out of money.
• The consumer lacks protection, as well.

MS Pierce also included that the agreements are so complex that the buyer can never understand his benefits. He does not know how much will he have to pay in a long-term contract or what’s the condition of missing a payment. Their dirty tricks also unclear the buyer’s protection like the National Credit Code (NCC). There is no legal protection of buyers in these agreements.

 How does Vendor Finance work?

Vendor finance has many forms. Often the seller gives money to the buyer to start the transaction. Consumers can move to the property. To return the payment, monthly instalments are paid to the seller, who is not the rent.

In a Vendor Finance Transaction, we can include the Following Points:

• Property price: This price can be different from the actual market price. The buyer pays the first deposit to start living on the property. This deposit is usually a loan from the seller.
  
• Contract: This contract is longer than the normal loans. It has some extra terms and conditions like the penalties if a buyer misses a payment. It is very different from the usual bank loans.
  
• Payment method: In payment, there is an interest rate of at least 2% and may also include insurance and maintenance.

Let’s have a look at a few Points to End this Vendor Contract.

• The consumer owns the house after the end of the instalments
  
• The consumer can extend or replace the deal
  
• The consumer can lose hope and leave the property. And all of the investment is lost.

The consumers are left in depression. Consumers cannot afford repayments. They are still not able to ask for a bank loan. The plans of the consumer may not have worked, and now he can’t continue. The vendor will own the property. This is one of the vendor finance old dirty trick.

The Name of the Vendor Finance varies on the type of Agreement.

• The wrap-around loan also called money mortgage: In this loan, the buyer and the current owner lives under the same roof. The buyer will have to pay the utility bills with some interest, which is profit for the seller. This loan is known as private lending and is very much different from other laws. The loan wraps around only according to the seller’s mortgage. If the buyer is unable to pay, then they may lose their investment, and the vendor can repossess the property.
  
• Deposit finance: There can be a need for vendor finance for a home. This type of loan can get two loans for the buyer. Half of the payment is given by the vendor as a loan. The consumer will go to the bank to get the other half. The drawback is that the user will have to make bulky payments each month, one for the bank and another for the vendor. They can also go for the insurance implications; the penalties will arrive when false information is provided.
  
• Partially vendor financed: This is a bit simple than the others. The first half is paid by the bank loan, and the remaining is paid by vendor loan.
  
• License to occupy: The consumer will pay half or a smaller deposit. The rest payment can be paid via instalments. He also pays the usual taxes and the fees of property purchases. A license will be generated for him to live in the house. As this is not rent, then there will be no tenancy laws. As the loan is private so you cannot involve consumer credit laws.
  
• Off-the-plan instalment plan: It is a risky contract as the buyers don’t have many rights or protection. There will be a non-refundable administrative fee, a deposit fee, and a very long instalment plan, for instance, 25 years.
  
• Work-in-lieu of payment: You can also call it “Sweet equity.” In this finance, the buyer repairs or fixes a portion of the property in replace of deposit or instalment, and the rest of the payment is paid by vendor finance.

Let’s know about Rent-to-Buy:

In this scheme, the buyer and the seller agree that the buyer will rent the house. How much they pay will be considered as the share in the property. But they will not be the official owner of the property until the paperwork is clear.

Here is the Working of this Method:

• The broker shows the buyer a high priced property.
• The buyer will try to get a rent-to-buy house due to the high cost.
• A tenancy agreement is signed.
• There is an option for them to purchase the property after three or six years.
• A deposit fee is paid.
• The buyer will pay the rent and may also pay for the maintenance or utility bills.
• The instalments can include both the rent and the loan.

This is a simpler way of purchasing a house.

Where to get Legal Advice?

Are you looking for a vendor finance home in Brisbane, Gold Coast or Sunshine Coast? Aylward Game is here to help you with that. We are in the business for more than two decades. You can always count on us. We have given legal advice to many people. We help people in purchasing a property. Through legal advice, they are save from the false person. They don’t have to worry about legal issues when we consult them. When Mark Game started Aylward Game, he wanted to help people to get to their properties safely. Our team members are well aware of property law. We can tackle any kind of issue. So, just contact Aylward Game if you need any assistance regarding the property.

Article Source: WHAT ARE THE PROS AND CONS OF VENDOR FINANCE?

TELL TALE SIGNS SOMEONE YOU KNOW IS SUFFERING DOMESTIC VIOLENCE

 

Sometimes evidence of domestic violence is obvious, but that’s not always the case. Then there’s the issue of emotional abuse as well. Physical injuries can heal, but often it takes a lot longer to heal the emotional damage caused in these unfortunate situations.

The emotional scarring can potentially be a lot more damaging than physical bruising and can affect every area of a person’s life.

Everyone is different and so is every circumstance unique, but there are some tell-tale signs you can look out for if you fear someone you know is suffering from domestic abuse.

Obvious Physical Injury

Injury to many areas of the body can quite easily be covered up with clothing. However, bruising or marks on the neck, face, or hands even are not so readily concealed. It’s quite common when someone is physically abused by their partner that they won’t admit what’s really going on. Lame excuses will often be made in an attempt to explain away the injury. Often the denial is based on fear of more abuse to come if the victim confides in somebody.

The Person Is Always Edgy

If a person you know used to seem quite calm, relaxed, and in control, but now always seems to be on edge, then this is a sign that something is definitely going on. The person is certainly stressed about something. When it comes to a domestic violence Australia situation, the person in question might incessantly be checking the time, constantly looking all around, and generally unable to relax. They might always be in a hurry to go home, for fear of being late or getting accused of something. Sufferers often fear their abusive partner is always somehow watching them, or has someone keeping an eye on them.

Withdrawn Emotionally

Generally, when a person is involved in a healthy or happy relationship, they tend to put off positive energy and perhaps become even more outgoing. The opposite is commonly true if a relationship turns toxic and becomes abusive; either emotionally, physically, or both. If you know someone who used to be vibrant, but these days seems very quiet, withdrawn, and closed off emotionally, it could be a red flag that there is an abusive situation happening on the home front.

Low Self-Esteem

The occurrence of low self-esteem is a very common symptom of emotional abuse from somebody. As domestic violence and psychological abuse are often related to having control over someone, part of the plan to gain that control is to belittle someone, demean them to the point where they feel worthless. This gives the abuser even more control.

Don’t Suffer In Silence

If you are enduring an abusive situation at home, or you know someone you suspect might be, don’t remain silent about it. Help is out there.

If the police get involved, although the prosecutor representing the police department will handle the case, it’s also comforting to have a representative from your own law firm assisting you through the process.

At Aylward Game Solicitors in Brisbane, we are not only experts when it comes to legal matters pertaining to domestic violence in Australia of all descriptions, but we are also sympathetic as well.

Article Source: TELL TALE SIGNS SOMEONE YOU KNOW IS SUFFERING DOMESTIC VIOLENCE 

Australia Takes on Migration Again Highlights of 2021-2022 Federal Budget Review

Whether it can be treated in the midst of COVID-19 recovery or post-COVID-19 recovery, Australia’s 2021- 2022 Federal budget Review includes a range of economic and social outcomes touching on the migration program in order to address skill shortages in the labour market and attract overseas businesses. This synopsis aims to highlight the latest government plans to boost various sectors connected to, or affected by, the migration program.

Highlight 1 – Migration Program Ceiling

• The Ceiling will be maintained at 160,000 places. This includes 79,600 Skill and 77,300 Family stream places.

Highlight 2 – Incentives to hospitality and tourism sector

• The Government will increase flexibility for student visa holders to work beyond the current 40 hours per fortnight limit in the hospitality and tourism sectors.

Highlight 3 – Incentives for Sponsored Parent (Temporary) visas

• The Government will extend the validity period for Sponsored Parent (Temporary) visas by 18 months for individuals who are unable to use their visas due to COVID-19 travel restrictions.

Highlight 4 – Migrant Worker Protection

• The Government will strengthen migrant worker protection in response to recommendations of the Report of the Migrant Workers’ Taskforce.

Highlight 5- Enhancing Migration Litigation Merits Review

• The Government will enhance migration litigation and merits review by funding additional finalizations in the Migration and Refugee Division of the Administrative Appeals Tribunal and providing an additional judge in the Federal Circuit Court in 2021-2022, and a second judge in 2022-2023.

Highlight 6- Australia’s Humanitarian Program 

• The Humanitarian Program for resettlement will have 13,750 places in 2021-2022 to maintain Australia’s long-term commitment to humanitarian resettlement.

Having considered the above, and as general guidelines only, we make the following observations about Parent visas—

• Parent visas

Based on the Government’s announcement, Australia’s international border is likely to be closed until sometime in the middle of 2022. Considering the estimate provided for processing new eligible Contributory Parent visa applications (i.e. approximately 58 months), we recommend that such application be lodged now. You may contact us to see if you are eligible to apply for this visa category. When the border opens, you may then apply for a temporary 3 or 5-year temporary parent visa to remain onshore while the other application is processing.

Aylward Game Solicitors, Brisbane Lawyers, keeping you ahead of the Game with offices now in Brisbane, Gold Coast & Sunshine Coast.

We would be happy to assist you.

Source excluding the Parent visas observations: Funding a safer Australia to secure our future – Department of Home Affairs 

Article Source: Australian Federal Budget

Contact the best Family Law Specialists

FREE CONSULTATION WITH A BRISBANE FAMILY LAWYER

We pride ourselves on our past work and consider ourselves the most proficient and best family lawyer in Brisbane and Australia.

We appreciate that your Brisbane Family Law matter may be of a sensitive nature and we encourage you to contact one of our specialists for a free and no obligation appointment to discuss your unique situation and legal options.

Do you want to know your rights and options in family and de-facto law matters?

We provide a completely confidential, no obligation, free 20-minute appointment to discuss your unique situation and legal options.

Call us now on (07) 3236 0001 or (1800) 217 217 and you can start to build some certainty and direction in this stressful and unsettling time.

Our Christmas Trading Period Hours:
Normal hours until close December 23rd, 2020@ 5pm
Resuming on January 4th, 2021 @ 8.30am

FAMILY LAW INFO TABS – KNOW YOUR TERMINOLOGY

• Collaboration
• Mediation
• Litigation

Collaborative Practice is a new approach to family law in Australia where each person appoints their own lawyer who is trained in this dispute resolution method.

Collaborative Law differs from mediation in that collaborative family lawyers advise and advocate for their respective party rather than acting as a neutral facilitator.

AYLWARD GAME SOLICITORS WISHES YOU AND YOUR FAMILY A SAFE AND ENJOYABLE HOLIDAY PERIOD.

Please note our trading hours are slightly affected, however, we will endevour to answer any contact emails sent over the period.

NOTE: The Magistrates Court and Children’s Court are also on hiatus during this holiday period. 

Article Source: Family Lawyers Brisbane Free Consultation

6 MOST COMMON QUESTIONS ABOUT GRADUATE VISAS & IMMIGRATION

 

We asked Abolfazl Moghadam who has worked on hundreds of legal matters relating to Graduate visas and immigration applications and is a fully accredited immigration agent. He is also responsible for all Common Questions About graduate visas & Immigration on behalf of Aylward Game Solicitors. Abolfazl quickly answered the top 6 questions our clients have asked over the past month but if you have any specific questions relating to your circumstances.

1. 1.What do I do to qualify?

Basically, in order to qualify for this visa, the international applicant should have a recent qualification in a Commonwealth Register of Institutions and Courses for Overseas Students (CRICOS), hold an eligible Australian visa, and be under 50 years of age. In addition, the applicant must have a qualification relevant to an occupation on the skilled occupation list and, among others, meet the Australian health and character requirements.

2.How long does it take?

The processing time for this visa is approximately 4-5 months. Once the visa is approved and depending on whether it is the Graduate Work stream or the Post-Study Work stream, it allows the applicant to stay in Australia for up to 18 months or between 2 and 4 years depending on the applicant’s qualification.

3.What are the benefits (of study in au?)

With this visa, the qualified applicant can live, study, and work in Australia temporarily. Pretty big benefit.

4.What traps to be aware of?

The applicant of this visa must have and maintain adequate health insurance for the whole of his/her stay in Australia. The applicant of this visa cannot be granted if he/she previously received a subclass 485 or a subclass 476 visa as a primary visa holder. You must find your own employment while on this visa.

5.What about my family?

If the applicant of this visa is approved, he/she can apply for family members to join him/her in Australia. The duration of their graduate visas and immigration will depend on the applicant’s circumstances. 

6.When can I start the process?

Usually, the applicant of this has held a student visa within the past 6 months before lodging the application and holds either a substantive or Bridging Visa A, or Bridging Visa B. If the applicant’s student visa was canceled, but in the past 28 days the Tribunal has notified him/her of a decision to set aside and substitute the Minister’s decision not to revoke the cancellation, then the application for this visa can be processed.

Article Source: 6 MOST COMMON QUESTIONS ABOUT GRADUATE VISAS & IMMIGRATION

LEE V MINISTER FOR HOME AFFAIRS

  

His Honorable Justice Rangiah delivered this Judgment concerning an application for a declaration of Australian citizenship under s 4(1)(b) of the Australian Citizenship Act 2007 (Cth)–

The applicant was first issued with an Australian passport in 1979. Before that, his name was listed in his mother’s passport. The applicant has since been issued with at least four Australian passports. In 2016, when the applicant attempted to renew his passport, he was informed by the respondent’s Department that he was not in fact an Australian citizen. The applicant deposes that he had never taken any steps to apply for Australian citizenship as he believed that he was already an Australian citizen.

The applicant applied to the respondent for evidence of his Australian citizenship, but that was refused by a delegate on 24 September 2018. That applicant’s application for an internal review of that decision was rejected on 25 June 2019.

The core argument in this case as per Gibbs CJ in Pochi v Macphee [1982] HCA 60; (1982) 151 CLR 101 is that the acquisition of citizenship by an alien requires a formal action under the legislation. The Chief Justice held at 111:

It was well settled at common law that naturalization could only be achieved by Act of Parliament — even action by the Crown under the prerogative could not give an alien the status of a British subject: Blackstone, op. cit., p 374; Chitty, Prerogatives of the Crown, pp. 14–15; Holdsworth, History of English Law, vol. IX, p 76. The common law rules as to alienage were no doubt feudal in origin, but there is nothing antiquated in the notion that a person’s nationality is not changed by length of residence or by an intention permanently to remain in a country of which he is not a national. There are strong reasons why the acquisition by an alien of Australian citizenship should be marked by a formal act, and by an acknowledgment of allegiance to the sovereign of Australia. The Australian Citizenship Act validly so provides.

Justice Rangiah having considered all the evidence in delivering the judgment said—

• I have found that at Independence Day, the applicant fell within s 65(4)(a) of the PNG Constitution as a person who had a right to permanent residence in Australia and that, therefore, s 65(1) did not apply to make him a citizen of PNG. Accordingly, reg 4 of the PNG Independence (Australian Citizenship) Regulations did not deprive him of Australian citizenship. The applicant remained an Australian citizen within the meaning of the Australian Citizenship Act 1948 (Cth).
• The definition of “Australian citizen” in s 4(1)(b) of the Australian Citizenship Act 2007 (Cth) includes a person who was an Australian citizen under the Australian Citizenship Act 1948 (Cth) immediately before the commencement day and who had not ceased to be an Australian citizen under that Act. The respondent did not plead or submit that the applicant would not fall within that definition if it were determined that reg 4 of the PNG Independence (Australian Citizenship) Regulations did not apply to him. I find that the applicant is an “Australian citizen”.
• I will make a declaration that the applicant is an “Australian citizen” within the meaning of s 4(1)(b) of the Australian Citizenship Act 2007 (Cth). 109 I will order that the respondent pay the applicant’s costs of the application.

Article Source: LEE V MINISTER FOR HOME AFFAIRS

Superannuation - What's Mine is Mine

Unfortunately not in family law.  Superannuation is now an asset to be considered with all other assets when people separate.  It forms part of the matrimonial pool of assets.

Superannuation Lawyers may be subject to a splitting order.

What is a “splitting order”?

The Court has the power to divide the superannuation entitlements in a superannuation lawyers fund.  If a splitting order is made a party will obtain an interest in the other party’s superannuation fund and that interest then becomes the owner of such party.  The fund is split so that a party retains a certain part of the fund and the other party then is given their own interest in that fund.  That interest can then be rolled out into a party’s own superannuation fund if such party wishes.

The splitting can occur by either:

1. An order being made by the Court

• The parties agreeing to such splitting in consent orders
• The parties agree to a splitting of a superannuation fund in a Financial Agreement

2. A party can only draw down on such superannuation funds upon their retirement or if they come within the provisions of hardship which allows payments out of superannuation funds.

How super works

Super is money for your retirement. The money stays in a super fund and is invested so it can earn interest and grow.

Your employer must pay 9.5% of what you earn into your super fund if you are:

paid more than $450 per month
over 18 and work more than 30 hours a week
Super funds may also provide you with insurance for a fee. This will help your family with some money if you pass away or are too sick to work.

Find out more about how super works.

Aylward Game Solicitors Brisbane are a modern and dynamic firm of Brisbane Solicitors and Brisbane Family Lawyers who are strongly committed to traditional professional values of the legal practice in Australia. The legal force Aylward Game Solicitors Brisbane, and their collective lawyers will harness nearly 80 cumulative years of experience

For detailed information, visit familylaw.aylwardgame.com.au or call 1800 217 217.

Article Source: Superannuation Australia

Understanding Your Vendor Finance Options

Understanding Your Vendor Finance Options

If the traditional approach to selling your property is not working for you or you are having difficulty obtaining bank finance to buy your home or investment property then we may have another way to assist your sale to happen oder your purchase to proceed, known as vendor finance.

Vendor finance, sometimes called seller vendor finance or owner vendor finance is nothing new and has in fact been around for many years, and is often used in one form or another in commercial transactions.

For a comprehensive overview of how to buy without banks, please download our free vendor finance ebook or make a booking to speak with a property law expert.

 

download the vendor finance ebook

About Vendor Finance

What is relatively new in Australia (from our experience at Aylward Game Solicitors over the last 10 plus years) is the application of vendor finance methods to buy and sell residential property.
DOWNLOAD THE VENDOR FINANCE EBOOK HERE

Over that period the use of these methods has grown in popularity and is particularly popular now due to the current economic environment with a depressed property market and the extremely tight and inflexible credit policies of many banks and financial institutions.

If you are a seller and want relief from mortgage stress or a buyer wanting to leverage finance, permanent new home can be secured using this.

Mark Game has over 10 years of experience in preparing Installment Sales Contracts and Lease Options in relation to both residential and commercial property and vendor finance.

Ease Stress, Maximize Leverage

Vendor finance is ideal for someone trying to sell a property because it helps them deal with and ease the stress of mortgage payments. This can help them sell their property sooner rather than later and even get the price they have always wanted. Buyers are able to benefit a great deal from this as well.

Using the system, they are able to leverage their finances so then they have a higher chance of being able to find that property that they have always wanted.

It is also ideal for anyone who is having difficulty with their bank. Because the property market has been going through a period of depression, banks are tightening their credit policies further and further still. This means that people who are looking for help from their bank so they can buy or sell a residential property are being rejected.

It is now widely considered to be the solution to that problem, which is why it has become so popular over the last 10 years.

It could even hold the key to improving the residential property market in the future, and this method of finance could stick around even after the market has picked up such that people who are struggling are now able to get a helping hand when they need it most.

Vendor Finance Lawyers

Individuals and corporations that intend to start, sell or purchase a business have to deal with the different aspects of commercial business law.

When you start a new enterprise, it is an absolute necessity to obtain the correct advice early on to steer clear of any consequence that may cause you much expense or restrict the development and growth of your business venture. At Aylward Game Solicitors, you can obtain the appropriate assistance and advice you need to address these legal matters. From different large-scale enterprises to sole proprietors of small local businesses, Mark Game has the extensive knowledge and skills to assist clients in undertaking diversified businesses inside and outside of the state within trust, joint or corporate business structures.

Article Source: Vendor finance 

BREAKING NEWS: VENDOR FINANCE CONTRACT ARE NOT ILLEGAL

That’s correct Vendor Finance Contract is NOT illegal. If you haven’t done so already, take a look at our previous article “What is Vendor Finance and Is It Worth It?”.

With obtaining finance from banks and other traditional lenders becoming increasingly more difficult to obtain, we are receiving a growing number of inquiries about vendor finance.

The most common comment clients make when enquiring about vendor finance is that they have spoken to their regular solicitor and they have said this type of transaction is illegal. This comment generally stems from a lack of knowledge and understanding of vendor finance and the fact that these types of transactions are not commonplace in Queensland. However, these types of transactions are in fact legal, and here at Aylward Game Solicitors we have been successfully drafting and producing vendor finance contracts for Buyers and Sellers for more than 20 years.  

What is Vendor Finance?

Vendor finance is a form of lending in which a company lends money to be used by the borrower to buy the vendor’s products or property. Vendor finance is usually in the form of deferred loans from, or shares subscribed by, the vendor. The vendor often takes shares in the borrowing company. This category of finance is generally used where the vendor’s expectation of the value of the business is higher than that of the borrower’s bankers, and usually at a higher interest rate than would be offered elsewhere.

Vendor Finance contract Bridges The Valuation Gap:

Vendor finance bridges the valuation gap due to the time value of money. If the buyer of a business doesn’t have to repay the vendor for the vendor loan for a few years, then the value of that portion of the purchase price is worthless. In some cases, there is an interest charge on a vendor loan, but in other cases, it is simply a deferred payment. Vendor finance is different from an Earnout because it is not contingent on performance. Since there is no contingency, vendor finance is riskier for the buyer than an earn-out.

Vendor finance can also be used when the buyer does not have the funds to purchase the entire business. In this case, the vendor creates a loan with an interest charge to help the buyer complete the purchase and help the seller complete the sale, usually on better terms for the seller. 

Article Source: Vendor Finance

GETTING A DIVORCE? 5 TIPS ON TELLING THE KIDS

 

Getting a divorce is tough enough in so many ways, but it’s made infinitely harder when children are involved.

How do you announce to the kids that Mum and Dad are splitting up?

No matter what age the children are, there’s no easy way of telling the children, but here are a few tips to make the process a little easier.

#1 – Do It Together

In some circumstances maybe this isn’t a likely possibility, but making the announcement with both parents present at least helps relieve some confusion and doubt. The difficult part is being able to break the news without bickering with each other in the process if getting a divorce is less than amicable.

#2 – Choose the Right Time

You want to pick a time when everyone is present. It can be hard enough explaining this once, let alone multiple times over. You also want to make sure it’s a time when both you and your ex-partner are calm and as relaxed as possible. After all, you want to keep this as stress-free for the kids as can make it.

#3 – Plan What You’ll Say In Advance

While neither of you wants to sound like you’re reading from a script, having it clear in your mind beforehand about what you want to say, and how you’ll present it, will make the news that much easier to deliver in the best possible wording.

#4 – Be Open To Fielding Questions

The questions you’re likely to get will be varied depending on the ages of the children, but invariably you will get some, so be prepared with your answers. As it’ll take some time for the news to sink in, most questions are likely to happen over the coming days and weeks after you make the announcement. Always be open to answering them openly and honestly.

#5 – Don’t Blame Each Other

Rarely is it ever only one person at fault for a relationship breakdown, and it offers no positive value to the children at all for them to be subjected to hearing their beloved parents blaming each other for what went wrong. It’s best to keep stuff like that between yourselves and not subject the kids to it.

Article Source: GETTING A DIVORCE? 5 TIPS ON TELLING THE KIDS