Tag Archives: homes for sale

More Than: Affording a Home – Complete Guide

30 Monday Mar 2026

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Home shopping can be tough when you’re not sure how much you can afford. If you’ve wanted to live the dream of owning your own home in Jacksonville or anywhere in Florida, but haven’t been sure where to start, we’ve put together a few practical tips that can make it easier to get a handle on your budget and find the right price range. These guidelines help turn the uncertainty into confidence so you can focus on finding a home that fits your lifestyle.

Tax benefits usually mean you can afford more than your rent. Interest deductions on taxes, along with property tax benefits, typically translate into significant savings that renters don’t get. Many first-time buyers find they can comfortably afford about 33% more than their current rent once those tax advantages kick in. To get a quick idea of what this might mean for you, simply multiply your current monthly rent by 1.33. For example, if you’re paying $1,500 in rent, that could translate to a mortgage payment range around $2,000, opening up more options in neighborhoods like Mandarin, Riverside, or the Beaches.

A home price two-to-three times your gross annual income is usually a reasonable place to begin. This is a classic starting point lenders and financial advisors often recommend to keep things sustainable. For example, if your household earned $75,000 last year, you could begin looking in the $150,000 to $225,000 range. In Jacksonville’s current market, this range includes solid starter homes, townhomes, and even some single-family options in growing areas, giving you plenty of choices without stretching too far.

Know how much you can put down. Ideally, you’d want to have 20% of the home’s price set aside for a down payment to avoid private mortgage insurance and secure the best rates. On a $200,000 home, this would be roughly $40,000. While many buyers qualify with less, such as 3% to 5% down through programs like FHA or VA loans popular in Florida, putting down less can result in higher interest rates and monthly payments. The more you can put down upfront, the lower your long-term costs and the more equity you build from day one.

Determine your “debt factor.” Lenders will often cite the 28/41 rule when evaluating your debt load. This means your mortgage payment, including taxes and insurance (often called PITI), shouldn’t exceed 28% of your gross monthly income. Your total debt payments, including credit cards, car loans, student loans, and the mortgage, shouldn’t come to more than 41% of your gross monthly income. For instance, with a $6,000 monthly gross income, aim to keep your housing costs under $1,680 and all debts combined below $2,460. Staying within these guidelines helps ensure your new home feels comfortable rather than burdensome.

We often work with first-time buyers and renters to get themselves lined up for home ownership. If you’d like to learn more, run personalized numbers, or have any questions about getting pre-approved in today’s Jacksonville market, we’re happy to help.

Kevin and Jennifer Hanley, REALTORS The Hanley Home Team Keller Williams Realty Atlantic Partners Southside 904-515-2479 www.HanleyHomeTeam.com

Making Good Neighbors

09 Monday Feb 2026

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Living next door to someone doesn’t make you a neighbor. It makes you the stranger next door! One of the great opportunities we have in our Jacksonville communities is the chance to build real, meaningful relationships with the people who live closest to us. For example, a simple wave across the yard or a quick chat while walking the dog can turn that stranger into someone who watches out for your home when you’re away.

While I understand the desire for privacy, I think it’s important we realize that regular, helpful communication with our neighbors makes us both safer and paves a smooth road for difficult conversations we might face in the future. In Florida neighborhoods, where storms and power outages can hit suddenly, a friendly connection means your neighbor might check on your property during a hurricane or alert you to a suspicious vehicle lingering nearby.

It doesn’t take much to start off the right way. Consider leaving a nice note in their mailbox when you first move in, a small “thank you” gift like a potted plant for looking out for the neighborhood, or even a homemade batch of cookies as an “olive branch” act that builds rapport quickly. These small gestures show goodwill and set a positive tone from day one.

Small gestures such as a nice note about their beautiful landscaping, an invitation to a neighborhood potluck, or joining an “all hands on deck” community improvement project like a cleanup day allow us to get to know our neighbors. This is vital when you consider the people around you are the most likely to spot smoke in a fire, clue you in to suspicious activity, or share vital local information like upcoming road closures or school events.

What’s more, if you build a positive base with your neighbors, when the time comes to have a difficult conversation such as a nuisance dog barking late at night, kids running amok through yards, or intrusive lighting shining into bedrooms, you’ll have a buffer of mutual respect and goodwill to draw on. Starting from a place of friendship makes those talks far easier and more productive.

If your opening conversation with a neighbor is a complaint, you’re setting yourself up for a long, antagonistic relationship. Who wants to live next to that?

We think a civil community depends upon our connection to our neighbors. We all benefit when we depend on and trust one another!

Kevin and Jennifer Hanley, REALTORS The Hanley Home Team Keller Williams Realty Atlantic Partners Southside 904-515-2479 HanleyHomeTeam.com

How a Love Letter Can Win You a Home!

18 Tuesday Mar 2025

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main-thumb-t-1800-200-lOn8kKfhqfcTcKdt2GwaLfGnC0jEjHmVHave you had a hard time landing your dream home in a hot market? If you’ve been through the bidding wars and have come up short, here’s a tool that might give you an edge in the next round of offers.

If you’ve ever experienced the disappointment of losing out on a home in a seller’s market, you want to do everything possible to keep it from happening again. One tactic many buyers overlook is the “love letter” written to sellers about their home.

Rationally, you might expect the highest offer will always win the home, but there are a host of other factors involved. Some are emotional. Some sellers want to see their home go to a buyer they not only trust to close the deal, but they also like personally.

Want to give yourself an edge? Craft a short “love letter” to go with your offer. Here are the basics you’ll want to cover in your letter:

1. Explain how much you like their home. Don’t go overboard, but prove to them you know the home and you truly appreciate their taste and the unique characteristics of the house. This might touch on improvements they’ve made or other aesthetic details.

2. Spare them all the things you might want to change. What you say is as important as what you don’t say. Don’t tell them you’re going to gut the place as soon as you close, add a second story, or rip out their garden for a pool.

3. Demonstrate you’re qualified to close. Make them feel confident in your qualifications as a buyer. Show them you’re pre-qualified for a loan, are buying cash, or have other reasons why you’ll be a hassle-free buyer.

4. Be humble and positive. Don’t give them a sob story about the four other homes you’ve lost out on. Praise the neighborhood and make them feel as though you would be positively honored to be chosen as the next owner of their home.

5. Check the letter for typos. Read it out loud. Listen for clunky sentences or awkward repetition. Have someone proof it for mistakes. Their confidence in your attention to detail is important.

A good agent should be able to tell you if the letter sounds like an honest appeal. Have it included with your offer as a cover letter.

Need help finding a home worth a love letter? Get in touch today: Jennifer Hanley, REALTOR 904-515-2479 http://www.HanleyHomeTeam.com The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside

Stage Your Outdoor Space This Winter

07 Saturday Nov 2020

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Colder weather ahead doesn’t mean you have to forfeit your precious outdoor space. This year especially, you’ll want to enjoy your backyard or balcony as long as possible. Here are some tips to make the most of your space this fall and winter. 

Clean up ahead of winter
Spruce up your yard to create an outdoor environment you’ll be motivated to enjoy. Take time to clean up and dispose of leaves and fallen branches. For your flower beds, pull out the dead annuals, add compost, then plant cover crops or add mulch. 

Warm it up
Electric or propane outdoor heaters can help extend the outdoor mingling season. With free-standing, tabletop, and umbrella-style versions available in a variety of sizes, there are options available to fit your needs. (If you live in a condo, check regulations first.) 



Use what you have
Instead of putting it all in storage, leave your patio furniture outside. Add some machine-washable covers to give your cushions a fresh look. Circle your furniture around a fire pit and you’ll be roasting (and burning) s’mores in no time. 

Look on the bright side
Garden lighting at ground level will illuminate your landscape, and string lights with clear white LED bulbs can create an inviting ambiance. Solar powered, weather-resistant lights are more affordable than ever and make for hassle-free installation and upkeep. 

Food for thought
Keep the barbecue in working order and your propane tank filled. Grill up some goodies, then enjoy them outside. It’ll be just like a winter tailgate, only cheaper and without a line for the bathroom.
Last Minute Tips for Winterizationdecorative imageIt’s not too late to address a few home maintenance musts before winter fully sets in. Here’s a list of last-minute tasks to knock out before you go into hibernation mode. 

1. Check and clean the gutters one last time. As the last leaves have fallen, take time now to make sure your gutters are completely cleared out. Blockages can create ice dams, which will damage your gutters and prevent proper drainage of water away from your foundation.  

2. Check your furnace. If you have a furnace, replace your filter if you haven’t already, and commit to changing it once a month. A dirty filter will increase your heating costs and reduce the life of your equipment. Home heating systems that aren’t properly maintained may be less than 50 percent efficient. If you can spring for it this year, an inspection done by a licensed professional is always recommended.  

3. Maintain your home’s exterior. Trim back trees and branches that are hanging too close to your home. Seal driveways, brick patios, and wood decks. Look for cracks and gaps around doors, windows, and eaves, and seal them.  

4. Test smoke/carbon monoxide detectors This one is easy to overlook, but takes only a couple seconds: hit the “test” button on your smoke/carbon monoxide detector. If the alarm sounds — you’re good to go. If not, replace the batteries and test again. Replace your smoke detector if fresh batteries don’t result in a proper test.  

5. Consider an energy audit An energy audit can show you how and where your home is using energy, so you can make simple updates to increase your home’s efficiency – saving you money. Home energy audits typically range in cost from $200-$400, and many energy companies offer rebates that make them even more affordable (or sometimes free). 

Perform your own quick energy audit by following some of these tips from Energy.gov. Taking these steps will not only lower your utility costs, but they will protect your largest investment, your home, from the unexpected weather conditions ahead. If you have questions about professional services for home energy audits, give us call before Spring is already here! Kevin and Jennifer Hanley, REALTORS Keller Williams Realty Atlantic Partners Southside 904-515-2479 http://www.HanleyHomeTeam.com

It’s True What You Hear! There’s Never Been a Better Time to Sell!

30 Tuesday Jun 2020

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NAR: Pending Home Sales Soar 44.3% in May

By Kerry Smith
The increase broke all records since NAR started tracking the sales. At May’s 99.6, the pending sales level was about equal to those in 2001. NAR’s economist calls it a “spectacular recovery for contract signings” and shows “the resiliency of American consumers.”

WASHINGTON – Pending home sales mounted a record comeback in May, seeing encouraging contract activity after two previous months of declines brought on by the coronavirus pandemic, according to the National Association of Realtors® (NAR). Every major region recorded an increase in month-over-month pending home sales transactions – and the South also experienced a year-over-year increase in pending transactions.

The Pending Home Sales Index (PHSI) – a forward-looking indicator of home sales based on contract signings – rose 44.3% to 99.6 in May, chronicling the highest month-over-month gain in the index since NAR started the series in January 2001.

While the increase broke records, however, year-over-year, contract signings fell a slight 5.1%. An index of 100 is equal to the level of contract activity in 2001.

“This has been a spectacular recovery for contract signings, and goes to show the resiliency of American consumers and their evergreen desire for homeownership,” says Lawrence Yun, NAR’s chief economist. “This bounce back also speaks to how the housing sector could lead the way for a broader economic recovery.”

“More listings are continuously appearing as the economy reopens, helping with inventory choices,” Yun says. “Still, more home construction is needed to counter the persistent underproduction of homes over the past decade.”

According to data from realtor.com, active listings were up by more than 10% in May compared to April in several metro areas.

“The outlook has significantly improved, as new home sales are expected to be higher this year than last, and annual existing-home sales are now projected to be down by less than 10% – even after missing the spring buying season due to the pandemic lockdown,” Yun says.

NAR now expects existing-home sales to reach 4.93 million units in 2020 and new home sales to hit 690,000.

“All figures light up in 2021 with positive GDP, employment, housing starts and home sales.” Yun says that in 2021, sales are forecast to rise to 5.35 million units for existing homes and 800,000 for new homes.

The month of May saw each of the four regional indices rise on a month-over-month basis after all were down in April 2020. The Northeast PHSI grew 44.4% to 61.5 in May, although it was still down 33.2% year-to-year. In the Midwest, the index rose 37.2% to 98.8, down 1.4% from May 2019.

Pending home sales in the South increased 43.3% to an index of 125.5 in May – a 1.9% increase year-to-year. The index in the West jumped 56.2% in May to 89.2, down 2.5% from a year ago.

© 2020 Florida Realtors®

Home Renovations That Can Hurt (and Help) Property Value

06 Thursday Dec 2018

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The best remodels will increase both quality of life and listing price, so take care to invest in projects that will net the biggest returns.

 

Source: Home Renovations That Can Hurt (and Help) Property Value

By Brooke Nally

If you’re into renovation projects, then updating and revamping your home can be a lot of fun. But before you get too excited about knocking down walls and setting up a custom movie room, you might want to consider resale value. Flashy renovations don’t always yield the best returns, so you’ll need to take care when picking projects.

To make things easier for you, here are four remodels to avoid and four to invest in.

Remodels to Avoid

Luxury Rooms
An indoor basketball court, wine cellar, sauna, or even a movie theater won’t often recoup the high building costs. Luxury add-on rooms are hard to pitch to buyers unless you’re living in an upscale housing market—the average homebuyer won’t be willing to pay for them. Further, rooms that depend heavily on wired electronics, like home theaters, are hard to keep current because TVs and speakers are constantly advancing.

Swimming Pool
The average cost to build a pool is $39,084, a hefty price tag that is seldom recovered once the home is sold. It’s widely accepted throughout the industry that a homeowner will lose money by adding a swimming pool. Homebuyers don’t want to deal with the maintenance cost of a pool (which can cost as much as $2,000 a year), the added insurance premiums, and—if they have young kids—the safety issues.

Gaudy Accents
Though gold-plated crown molding or mosaic-tile backsplashes may feature prominently in your ideal vision for your home, they often turn out to be the average homebuyer’s worst nightmare. Passing fads or niche trends rarely stick around long, so if you miss the brief window when your remodeling choices are in, you’ll end up paying for it later.

Changes Contrary to Area Standards
If you aren’t watching the trends common to your area, you could end up losing a lot of money. A home that totals $600,000 after all the renovations won’t sell in a neighborhood where homes are netting half that price. Likewise, knocking down the walls of extra bedrooms for an open layout won’t be appealing in a family-oriented neighborhood.

Remodels that Pay

Steel Doors
You don’t want to go cheap on a standard front door. At roughly $1,000, steel doors are comparatively affordable, durable, low maintenance and burglar resistant. As an added bonus, the National Association of REALTORS® reports that steel door upgrades show the highest return on investment of any home remodel, at over 100 percent of the cost.

Solar Panels
As the price of solar panels continues to drop, the energy payback on installing them is becoming greater and greater. The average rooftop solar system is now paid off in seven and a half years. After that, panels are a big money-saving asset. A study by the Lawrence Berkeley National Laboratory notes that homebuyers “consistently have been willing to pay more for a property” with solar panels—a premium of around $4 per installed watt, on average.

Related: Will Your Homeowners Insurance Cover Solar Panels?

New Siding
The exterior of your house is the first thing potential homebuyers see when they come to your home, and you want to make the best first impression. This is part of the reason redoing your siding is so profitable. New siding recoups around 80 percent of the initial cost, according to the National Association of Realtors®, thanks largely to the increased curb appeal and improved energy efficiency it provides.

Broadband Access
Access to broadband speeds is considered an essential utility for today’s connected homebuyer. Research shows that faster internet speeds increase your home value by as much as 3 percent. Homeowners can prepare their homes for higher broadband connectivity by working with area providers to install requisite equipment and wiring. Building out wall ports and cable-hiding baseboards is a good move to attract buyers, too.

Even if you’re not considering selling your home just yet, keep potential selling benefits in mind. Intrepid homeowners know that the best remodels will increase both quality of life and listing price, so take care to invest in projects that will net the biggest returns.

Are you Emotionally Ready to Sell?

17 Thursday May 2018

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We love to sell homes. It’s a privilege and an honor to be a part of the process. We get great satisfaction from making our living helping people move on to the next phase of their life, whether it’s upsizing, downsizing, or simply relocating to a new neighborhood.

But there is one sort of home seller we can’t really help: The seller who’s not really ready to sell.

If you’re thinking about selling your home, don’t enter into the process lightly. It’s a big deal. There’s some stress and there’s a great opportunity for joy. There’s a big investment at stake. This, along with a lot of other reasons large and small, is why you want to be 100% sure you’re ready to sell your home. If you think you’re ready to sell, but it turns out you’re not, you waste a lot of time and energy (and sometimes money).

So how do you know if you’re really ready to sell your home?

1. You’re fine with the process. You must have no problem with the idea of a stranger poking around your house, talking about renovating it, or treating it like a used car. If you’ve lived in your house a long time, it’s natural to have emotional attachments. So if the process of selling the house makes you feel protective or defensive, you may not be ready.

2. You are flexible on the right price. Motivated sellers understand selling a home involves negotiation and competitive market pricing. If you have a number “you must get” in order to sell, then you might want to think again. Also, if all of the agents who price your home come back too low for your standards, take a breather and ask yourself if it’s go time or not.

3. You know where you’re going next. Prepared sellers have plans, even if those plans aren’t 100% firm. They’re anticipating the move and they are probably even shopping for houses, if only casually at the moment. If you can’t clearly answer the question, “Where would you like to live after you sell?” then you’re not quite there yet.

If you’re iffy on any of these, take a step back and consider how you feel. While some markets favor sellers more than others, a home can sell in any market for the right price. Don’t jump into something before you’re ready.

However, when you’re ready, we’re happy to help. Give us a call when the time is right:

Kevin and Jennifer Hanley, REALTORS The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside 904-515-2479 http://www.HanleyHomeTeam.com

Baby-Proof your Home

19 Thursday Apr 2018

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pexels-photo-315265.jpegYou may not have kids right now, but chances are you may be entertaining guests one day who do. You can put your guests at ease and do your best to protect their little ones from harm by investing in some modest pre-visit baby proofing. Here are some sound strategies to make their visit low-stress and safe:

Mind the Power and Appliances
Outlets are enemy #1. Baby fingers are like magnets for electricity, so splurge on some plastic outlet covers which fit snugly into those empty sockets. If you have any multi-socket power strips around, be sure to cover those as well (or elevate them out of harm’s reach). Depending on the age of your youngest visitors, some may be able to reach knobs and buttons on appliances like your stove. Exploring hands can accidentally turn on the gas, so if you think your kitchen will be vulnerable, invest around $10 on stove knob covers.

Make Some Rooms Off-Limits
It may not be practical to baby proof every inch of your house, so make certain zones baby-free by using gates. Sturdy, simple, pressure-mounted gates will protect certain passages and prevent you from making any permanent holes in your wall. Alternately, use door knob covers to make even unlocked rooms less likely to be prone to an infant invasion.

Fight Falling Objects
Babies are all about testing gravity, and as they try to bring themselves upright, they’re liable to tug on anything within arm’s reach. This might include your entertainment center, bookshelf, floor lamps, or other furniture. Are there any precarious pieces which might tumble down and seriously injure a child? Consider pieces on top of shelves (like decorative glassware) which could be shaken down through modest force.

Curtail the Cords
Power cords and curtain (or blind) cords can cause falls, entanglement, or even strangulation. Tie these up out of the way or too high for a baby to reach from the floor.

Get Down and Look Around
A baby will put anything in its mouth. That will include choking hazards, dropped medications, or stray chemicals such as rat poison or cleaners. Shift your perspective to the floor and look for anything suspicious.

Some homes are more kid-friendly than others. If you’re looking for a great home for little ones, we can help you find one today!: Kevin and Jennifer Hanley, REALTORS The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside – 904-515-2479 http://www.HanleyHomeTeam.com

How to Make Your Home Baby-Friendly

18 Thursday May 2017

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You may not have kids right now, but chances are you may be entertaining guests one day who do. You can put your guests at ease and do your best to protect their little ones from harm by investing in some modest pre-visit baby proofing. Here are some sound strategies to make their visit low-stress and safe:

Mind the Power and Appliances
Outlets are enemy #1. Baby fingers are like magnets for electricity, so splurge on some plastic outlet covers which fit snugly into those empty sockets. If you have any multi-socket power strips around, be sure to cover those as well (or elevate them out of harm’s reach). Depending on the age of your youngest visitors, some may be able to reach knobs and buttons on appliances like your stove. Exploring hands can accidentally turn on the gas, so if you think your kitchen will be vulnerable, invest around $10 on stove knob covers.

Make Some Rooms Off-Limits
It may not be practical to baby proof every inch of your house, so make certain zones baby-free by using gates. Sturdy, simple, pressure-mounted gates will protect certain passages and prevent you from making any permanent holes in your wall. Alternately, use door knob covers to make even unlocked rooms less likely to be prone to an infant invasion.

Fight Falling Objects
Babies are all about testing gravity, and as they try to bring themselves upright, they’re liable to tug on anything within arm’s reach. This might include your entertainment center, bookshelf, floor lamps, or other furniture. Are there any precarious pieces which might tumble down and seriously injure a child? Consider pieces on top of shelves (like decorative glassware) which could be shaken down through modest force.

Curtail the Cords
Power cords and curtain (or blind) cords can cause falls, entanglement, or even strangulation. Tie these up out of the way or too high for a baby to reach from the floor.

Get Down and Look Around
A baby will put anything in its mouth. That will include choking hazards, dropped medications, or stray chemicals such as rat poison or cleaners. Shift your perspective to the floor and look for anything suspicious.

Some homes are more kid-friendly than others. If you’re looking for a great home for little ones, we can help you find one today!: Kevin and Jennifer Hanley, REALTORS Keller Williams Realty Atlantic Partners Southside – 904-515-2479 http://www.HanleyHomeTeam.com

How to Plan for the Financial Security of Your Family

27 Thursday Apr 2017

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Guest writer for The Hanley Home Tea Blog – Jackie Waters

As a parent, from the day your baby comes bursting into the world, you are going to want what’s best for them. As the saying goes, parenthood does not come with a manual or set of instructions. However, day in and day out, you try your best, even though your best may vary from day to day. There’s no way to predict the future, but there are certain steps you want to have in place to ensure that your child’s future is secure. Raising a child can indeed be expensive, but the rewards are far greater than the monetary costs. Here are a few contingencies to plan for in the future for you and your child.

Obtain a life insurance policy

Having a life insurance policy in effect for you and your spouse will guarantee that your child is taken care of, in the event of your demise (an estate plan wouldn’t hurt either). Having a policy will provide the extra protection and cushion your family would need, should a tragedy occur. Becoming a parent is one of life’s major milestones and it is imperative that you prepare you and your family for any seen or unforeseen circumstances. There are several life insurance coverages available, each varying in different perks as well as drawbacks.

There is term life insurance, which provides coverage for a certain period of time. If the insured should live past the term of the policy, no benefits will be made available. However if the insured should die during the term of the policy, all benefits will go to the beneficiary, be it your spouse, child or a split between the two.

Whole life insurance lasts for the entire life of the insured. It also offers the ability to accumulate cash value on a tax-deferred basis. As long as you, the insured, continues payment on the premium, the policy will remain in force. Making sure you chose the right policy that w\ill properly benefit your family is a vital task. If you are not sure which is best, it is advised to meet with an insurance representative to gain clarity.

Save for a home

The home you are currently living in may suit your family’s needs just fine, but you never know what circumstances could lead you to purchasing a new home. Perhaps you got a new job or your family has outgrown your current humble abode. According to studies, Americans feel that building equity, wanting a stable and safe environment, and having the freedom to choose their neighborhood are the top reasons to make the financial decision to buy a home. Regardless of what circumstances have led you to make a real estate purchase, it will take some planning. Determine how much you need to save for a down payment and set a realistic timeframe in which to do it. Allocate a percentage of your income to be placed in a savings account dedicated to buying a home, and watch as you gradually build toward your goal.

Start a college savings plan

Having a child obtain a degree is a dream most parents have, however the current amount of student loan debt is alarming. Many students are graduating from major universities and entering the real world with an unsurmountable amount of debt, with no surefire plan in motion to pay it off. Interest rates are high, leaving most college grads with a financial burden they may never be able to escape. Take action to ensure that this will not be your child’s future. Having a college savings plan in place eliminates debt for your child and grants you the peace of mind that your child will be given the opportunity to receive a great education, stress-free.

Starting early on your child’s college plan will also ensure that you won’t have to deal with the burden of paying for their education, should they not receive enough funding for their school of choice. Similar to life insurance, there are several college savings vehicles available, with the most commonly heard of being the 529 Plan. A 529 Plan is an education savings plan operated by a state or educational institution designed to help families set aside funds for future college costs. Consider your options and start saving money for your child’s future expenses immediately.

Few things in life compare to the joy of starting a family. Becoming a parent will be one of the most challenging, yet fulfilling experiences you will have in your lifetime. Ensuring the security of your child’s future is one of the best gifts you can give them —along with lots of love, affirmation and guidance. Set your child up for success in life and your job as a parent will be perceived as well done.

 

Author: Jackie Waters

jackie@hyper-tidy.com

Hyper-tidy.com