Published at Monday, February 11th, 2019 - 18:49:48 PM. House. By .
Everything You Need to Know About Section 8 Housing : For years, youve worked persistently for long hours yet your pay is just not enough to take care of your expenses. Health care, utilities and rising food prices are barely covered by your wage. Pretty soon, your take-home pay wont be able to keep up with your familys growing expenses. This distressing scenario plagues millions of American families today. Their salaries just cant be stretched enough to adequately provide for housing expenses. If you are a legal United States resident and dont earn enough money to cover rent or mortgage payments, you may want to consider applying for the federal governments Housing Voucher Program, which is also referred to as section 8. What is Section 8? The Housing Act of 1937 provided for financial aid to be paid by the federal government to local housing agencies or LHAs to make the living conditions of low-wage earning families better. Section 8 of the Housing Act of 1937, usually just referred to as Section 8, mandates the payment of federal housing assistance to landlords for the benefit of about 3.1 million families with low income. It makes housing assistance possible through various programs, with the Housing Choice Voucher program being the largest, which subsidizes most of the rent and utilities payments of about 2.1 million families. The Department of Housing and Urban Development (HUD) manages and funds the Section 8 programs. There are about 2,400 public housing agencies (PHAs) that administer the program locally. A Brief History of Section 8 Section 8 housing had its beginning during the Great Depression. The passing of the U.S. Housing Act by Congress constituted the start of federal housing assistance in the country. It furnished the money to build quality yet affordable low income housing apartments for financially-challenged wage earners. These units are administered and maintained by local authorities. The U.S. Housing Act was revised in 1961 to give way to the Section 23 Leased Housing Program which allowed low-income earners to take up residence in private low income housing apartments leased by local authorities. Tenants agree to pay a certain percentage of the rent, while the difference between the tenants payment and what the landlord would have normally received in the open market. Building maintenance were also performed by the local housing authorities. In 1974, the Act underwent another revision which provided for the creation of Section 8. Rather than build and manage public housing, it aimed to assist low-earning tenants who were allotting the greater part of their earnings on rent payment. Federal funds were now used to pay a portion of the rent in housing units chosen by the renters on the open market. Since then, several more legislations were passed to amend and refine the Section 8 program. The Critical Need for Housing Assistance The 2005 HUD report to Congress stated that the almost 6 million renter families in the country who dont benefit from public housing assistance suffer from worst housing needs. A huge bulk of these families have undergone severe rent burden which HUD describes as paying in excess of 50% of the wage-earners income for rent. Other households made their homes in second-rate buildings. Groups being given priority by Section 8 are composed of low-income households with children, senior citizens and handicapped individuals. Likewise, the Department of Housing and Urban Development and the U.S. Department of Veterans Affairs have a Section 8 program called the Veterans Affairs Supportive Housing (HUD-VASH) which distributes a number of housing vouchers to qualified homeless U.S. armed forces veterans. The Housing Voucher Program The main Section 8 program is currently engaged in the housing voucher program. Housing choice vouchers are locally distributed and managed by public housing agencies or PHAs. The Department of Housing and Urban Development (HUD) provide federal funds to these PHAs to manage the voucher program. A voucher can be project-based which means its use is confined to a particular apartment complex. PHAs may appropriate up to 20% of their vouchers for this. A voucher can also be tenant-based where the tenant can freely choose any housing that passes the criteria of the program and is not restricted to units within subsidized housing projects. The tenant may choose to rent a housing unit in the private sector, is not confined to any particular apartment complexes, and can choose to live anywhere in the U.S as long as the total rent meets the standards established by HUD. This can include living in Puerto Rico which has a Section 8 program managed by a public housing agency. Under the housing voucher program, households or individuals who are eligible for Section 8 funding are given a voucher which allows them to find and rent a unit where they will be responsible for paying 30% of the rent. The housing voucher will pay for the remaining 70% of rent and utilities. Most families pay for section 8 housing using 30% of their adjusted income, which is a familys total earning less the deductions for dependents below 18 years old, senior citizens, handicapped individuals, full-time students, as well as medical expenses and disability assistance. The voucher program is currently subsidizing the rent payment for nearly 2.1 million households in the United States. Whats more, these vouchers can be used at times by low income households to pay the mortgage or purchase a house. Prioritization of Housing Voucher In many instances, your local public housing agency will receive more applications than it can afford to approve vouchers for, and will as a result create a waiting list of applicants. PHAs can move certain applications forward or put them way back of the waiting list, and may choose to grant priority to households who are presently without a home or are residing in second-rate housing, wage-earners who spend more than half their income in rent, or individuals who are displaced against their will. Know more about prioritizing by inquiring at your local public housing agency office. Since section 8 isnt actually an entitlement benefit, people who become eligible for a housing voucher cannot be 100% sure that theyll get one. According to the latest figures, only 1 out of about 4 households who qualify for housing assistance receive it. Waiting lists can take long to be processed. In several places, eligible applicants fiercely compete with other applicants for vouchers. Due to the huge volume of demand, some LHAs have entirely ceased taking in applications. For instance, in New York where rents are exorbitant and oftentimes beyond reach of low-income earners, many households set their sights on section 8 vouchers. Today, as the country teeters toward the reality of the sequestration cuts to the federal budget, it seems that New York City may miss out on up to 6,000 section 8 vouchers that were intended to be made available this year. In Chicago, more than 2,300 households are on the waiting list. Recipients are picked out of the list by a lottery held every month. Only when the list is exhausted will the application process resume. Requirements to Qualify for Rent Assistance Putting these realities on one side, if you belong to a low-income bracket and you require rent subsidy or other support provided by the voucher program, you first need to make sure that you have what is financially required to qualify for Section 8 housing. Whether you qualify or not is dependent on certain factors which include your total household income, how much rent you are paying, the members of your household, the average income in your locality, and your assets. Income requirements differ from place to place, but as a rule you will need to have a total household earning of not more than 50% of the average income in your locality. The program is open to all U.S. citizens and people with legal immigration status. Another criterion is the number of your household members. Your Section 8 income limit gets lower as the members of your household gets fewer. Other factors are also put under consideration by HUD and its local agencies when checking an applicants qualifications. Generally taken into consideration are homelessness and other factors that are linked to a particular location like involvement in a local welfare-to-work program. Other criteria that may help you get considered for assistance are: • presently living in a homeless shelter • working over 42 hours each week • being a veteran of the U.S. Armed Services (widow or widower) • suffering from disability • being a senior citizen 62 years old and over • having children LHAs should also give priority to very low-income households whose total earnings dont even amount to 30% of the average income in the area. 75% of the new applicants that get qualified for housing assistance each year must be near or at the lowest-income level. If you think you have every reason to qualify for a housing voucher, you must go and get in touch with the public housing agency in your locality. You can get all the information you need on the HUD website including local office address, toll-free phone numbers, and email addresses. Dont get yourself fooled by professional con artists. There are fly-by-night agencies that will promise to help you to get all the Section 8 paperwork done for a certain fee. You can get all the help you need to apply for a housing voucher at no cost just by visiting your local public housing authority or your federal HUD office. Bear in mind that no person should ever ask you for money for a low income housing assistance application. Anyone who charges you for a voucher or an application can be arrested for fraud. Obligations Since a public housing authority approves the housing unit of a qualified household, the landlord and the family head sign a lease agreement. At the same time, the PHA and the landlord sign a contract for housing assistance payments that will run concurrently with the lease. This demonstrates that the PHA, the landlord and the tenant all have roles and obligations they must fulfill under the program. 1. Tenant Expect some delays before you receive the final decision on your application. Many applicants can be on the section 8 housing waiting lists for months, or possibly even years. If your application gets approved by the local PHA and you have received a housing voucher, you have to be absolutely sure that your present or future living situation meets HUD safety and health requirements. If you are renting, youll be asked to sign a one-year lease with a willing landlord who will be obliged to provide you with safe quality housing and fair rent. The landlord may require the tenant to pay a security deposit. After the first year, the landlord can draw up a lease renewal contract or allow the household to reside in the unit on a monthly lease. Know how much rent youll be paying. Section 8 housing requires you and your household to pay 30 percent of your monthly adjusted gross income on rent and utilities. The voucher you received will cover the rest of the cost. Visit your local PHA if you need help in determining how much you need to allocate each month. When the household has moved into the new home, each member is expected to abide by the lease and program rules, keep the housing unit in good condition, pay the percentage of rent promptly, and inform the PHA of any changes in family composition or income status. If you need to, you can move to another area without losing your eligibility to Section 8 housing. Just be sure to inform your local PHA ahead of time, terminate your lease according to its provisions, and look for another housing that will comply with HUD safety and health criteria. 2. Landlord The landlords responsibility in the voucher program is to provide tenants with a suitable, sanitary and clean low income housing unit with a fair rent. The living space must meet the HUDs housing quality criteria and must be kept up to those criteria for as long as the landlord receives housing assistance payments. Whats more, the property owner will extend the services that were agreed upon as was mentioned in the lease signed with the tenant and the contract signed with the public housing authorities. The landlord cannot charge the tenant any extra money except that of the reasonable rent and cannot accept any amount of payment that is outside the contract. Although required to follow fair housing laws, landlords are of no obligations to take part in the housing voucher program. Therefore, some landlords can refuse to accept Section 8 tenants. This may be due to several reasons such as: • Not desiring the government to get involved in the landlords business, as in conducting a full inspection by government workers of the premises for HUDs housing quality standards and the probable redress that may follow. • Concern that the tenant or members of the household will fail to keep proper maintenance of the unit. • Finding that the programs rent price is below the landlords expectation. • Not willing to take matters to court to evict a tenant. According to HUD requirements, judicial action is required to evict section 8 tenants, even if there were other legal procedures allowed. • Depending on state laws, it may be against the law to refuse to accept a tenant just because they have Section 8. Landlords have only past eviction, credit, criminal history and other general means of disqualifying a potential tenant. Other landlords, however, seem to have no beef against accepting Section 8 tenants. This could be because of: • The long waiting list can provide a vast reserve of potential tenants. • Generally on-time payments sent by the PHA for its share of the rent. • Tenants are motivated to take care of the low income housing unit to avoid paying for damaged property. Owing a previous landlord money can be ground for a tenant to be disqualified from the program. 3. Public Housing Authority The public housing program manages the voucher program locally. It provides a qualified household with housing subsidy that allows the family to look for a decent housing unit. The PHA signs a contract with the landlord promising to provide regular housing assistance payments for and on behalf of the tenants. Should the landlord fail to comply with their lease contract obligations, the PHA can immediately discontinue sending assistance payments. The PHA will re-assess the households income and composition for any changes at least once a year and must conduct an annual ocular inspection of each unit to make sure that it complies with HUD quality standards. Research appears to suggest that the section 8 program has yielded a lot of happy and productive results. It helps millions of households live above poverty level, have more money to spend on food and health care instead of rent, and improve their quality of life. It has helped families to move into safer neighborhoods and has reduced the number of homeless people. As a result, it has also lowered the incidences of anxiety, depression, and other mental and emotional problems.
How to Turn Your House Into a Vacation Rental : Turning your house into a vacation rental can seem overwhelming at first... but it really doesnt have to be. This is a process that you can really enjoy and have fun with! I have set up houses as vacation rentals dozens and dozens of times, for my clients properties, as well as my own houses. I understand what is involved and required from every aspect, from assuring the property is in compliance with governmental agency rules and regulations, to making sure it has all the essentials that most guests require. In my commitment to assuring that my clients are continually successful with their vacation rental houses, I often find myself in the role of vacation rental counselor, mostly pertaining to governmental agency and code compliance, quality assurance, and ongoing property maintenance required to meet the current industry standard. So, with that in mind, its important to begin with the basics when you decide to offer your house as a vacation accommodation to travelers. In this article I will provide you with the 5 most important steps to follow to assure your vacation rental success. As you read through this, I advise you to consider the fact that your house is in a unique town or city, that this article is a general guide, and that it is critical for you to become aware of your local community sentiment, and rules and regulations about short-term rentals. Always remember, your house is a private property, it is are not a hotel, and preparing your house and managing it as a vacation rental accommodation for tourists must be carefully and thoughtfully done. 1 - LAWS, ORDINANCES, RULES, AND REGULATIONS The very first thing you need to do is to educate yourself about your local city, county, and state laws, ordinances, and rules and regulations pertaining to offering your house as a vacation rental in your unique community neighborhood. Please dont just assume that because its your property, you can do whatever you want with it. And, please dont put a lot of effort and expense in setting up your house as a rental for tourists until you rule out the possibility that there are laws preventing you from doing so. Many local and state government agencies have clear regulations stating that setting up your house to rent as a vacation rental turns it into a business, and it will probably be subject to some level of city, county, and / or state licensing. Many governing agencies also require that to legally rent your house as a short-term rental, you must collect local and state tax from tourists who rent your property. A quick search in the vacation rental news reveals, that as short-term rentals become more and more popular, many communities have licensing restrictions and very specific rules and regulations regarding renting houses short term to tourists. Call your local town or city governmental offices and get to the appropriate licensing department that can answer your specific questions. Find out what specific licenses and / tax numbers you need to legally rent your house, and get them. I highly recommend that you seek the assistance of an established licensed local rental agency that can properly assist you understanding and complying with licensing and tax requirements required in your community. 2 - YOUR NEIGHBORHOOD AND YOUR NEIGHBORS Now that youve determined that it is legal for you to rent your house as a vacation rental, and youve obtained the proper licenses and tax numbers, its time to think about the neighborhood where your rental house is located. This might seem silly, and many people gloss over this important step, but believe me you can save massive headaches and fights with neighbors by dealing with this issue pro-actively. Nearly every news article you read on communities that are resisting or trying to restrict vacation rentals point to the same neighbor issues: noisy tourists staging loud parties, tourists taking parking spaces from local residents, and tourists being careless with their garbage. In all the years Ive been in the vacation rental business Ive seen several neighbor-to- neighbor squabbles that have involved code enforcement, the police, and even expensive law suits. Most of these issues could have been avoided with plain common sense and consideration. Find out who your neighbors are, and do your best to communicate with them and determine if they will resist you renting your house to tourists. Once you begin renting your house to vacationers, you need to commit to being selective about who you rent your house to. It is important to talk with them and determine if they will be a good fit for your neighborhood. Ask them directly what they plan to do while they are renting your house for their vacation. For example, if you discover a potential guest is planning to rent your house to accommodate a wedding party or a birthday party, think about the impact on your neighbors and if they will be okay with this. Some properties I manage are in neighborhoods that will only tolerate very quiet couples, others are set up to accept larger groups and the neighbors are clear on this and understand the rules. Know your neighborhood, and set up your own House Rules that your tourist tenants must agree to comply with. The biggest complaint that most neighbors have who live next to vacation houses is noise. Some neighbors are more noise sensitive than others, and you need to know if your neighbor is going to call the police every time a group of vacationers sit around the swimming pool and listen to music. Give neighbors who live next to your rental your phone number, and ask them to call you directly if there is a noise problem. And when there is a problem, call the guests and ask them to quiet down. Since you are renting your house to tourists, it is your responsibility to make sure the guests you bring into your rental house are respectful of the local neighborhood. 3 - FURNISHING YOUR HOUSE AS A VACATION RENTAL Furnishing your house can be daunting if youve never done it before. Below is a very detailed list of basic home furnishing items you will need to provide. This includes suggestions for bed configurations, kitchen essentials, soft goods, and household items. Your guests will be looking for the basic comforts most of us look for in our daily living. Enjoy setting up your house for tourists - and strive to strike a balance between nice and economy. If you are striving to attract a higher end clientele add some nice touches and things that you would appreciate if you were a guest in your own house. You dont need to purchase all new items, but please doesnt use junk or your house will start to look like an unappealing garage sale. Add some interesting art work, wall mirrors, artificial plants, and some nice nick-nacks - just take care not to overdo it or it can start to look cluttered. Some personal pictures (a shot with your friends or family members) are nice to place on shelves... it reminds guests that they are in some ones house, and not a hotel. Suggested Bed Size Lay Out Your vacation rental property needs to be practical and user friendly as well as beautiful to look at. I have found the following general layout to meet the demands of most guests. As a general rule, avoid putting too many extra beds in a bedroom, you do not want to give the message of the more the merrier. If your property has an office or den, it is a nice feature to add a desk or set up an office. Try to make the nicest bedroom the master bedroom. The nicest bedroom is usually determined by the view and features - such as en-suite bathroom, private deck, French doors that lead to the swimming pool or porch, or it can just be the largest bedroom if the property offers no other unique features. If your property has more than one bedroom with an en-suite bathroom and/or view than you are lucky to have a property that can be marketed with more than one master bedroom or suite... and that is a fantastic feature. That way, couples traveling together dont have to flip for the best bedroom! About bed sizes: The layout below is suggested after nearly 2 decades of being in this business and listening to what guests require. Today, it seems like most people sleep in king size beds at home, and many couples who stay in vacation rentals insist on a king bed. For some couples, not having a king bed option can be a deal breaker since they are convinced they wont be able to sleep in a smaller bed with their partner. So that being said, here are the basic suggested guidelines... • Two Bedroom House Bedroom 1: Master bedroom - Prefer King bed. If room is too small use a Queen. Bedroom 2:- 2nd bedroom - Queen or 2 twins. (I find that 2 twins are a better option as they can be pushed together to make a King.) • Three Bedroom House Bedroom 1: Master bedroom - Prefer King bed. If the room is too small use a Queen. Bedroom 2: 2nd bedroom - Queen or King or 2 twins. Bedroom 3: 3rd bedroom - 2 Twins or Trundle bed • Four Bedroom House Bedroom 1: Master bedroom - Prefer King bed, but if the room is too small use a Queen. Bedroom 2: 2nd bedroom - Queen or King Bedroom 3: 3rd bedroom - Queen or King or 2 twins. Bedroom 4: 4th bedroom - 2 Twins or Trundle bed Guideline for Cookware and Kitchen Items Equip your vacation rental kitchen with basic cookware and kitchen items. Buy a good set of good cookware, as much quality as you can afford. It does not pay in the long run to get the cheapest as it will not last, but not necessary to buy the very best either. Sometimes you can find a nice stainless steel set in a box. Do not get the cheap aluminum stuff. • Stove Top Pans: Provide a basic set of 2, 4, 8, and 10 quarts. • Skillets: 7 and 10 inch • Oven Pans: Glass baking dishes: 9X13 and 8X8, roasting pan with lid (holiday dinners),cookie sheet, muffin tin, 1 pie pan, 2 cake pans, 1 pizza pan. • Mixing Bowls: 2 large: 8 - 10 quarts; 2 medium: 2 - 4 quarts; and 2 small: 1 - 2 quarts. These can be stainless or glass. These can also be used as serving bowls. • Knives: Paring, large vegetable, butcher, bread, and a sharpener. • Cook Prep Items: Colander, spatulas (1 medium size, l large size), mixing spoons (1 large, 1 medium), wire whisk, can opener (a good manual one is best), plastic cutting boards (1 large and 1 small), measuring spoons, rolling pin, ladle, funnel, and tongs. • Small Kitchen Appliances: Toaster, coffee pot (electric drip - Mr. Coffee Style), blender (good quality that will spin frozen drinks) • Other Kitchen Items: 2 to 4 pot holders and trivets, placements for complete table setting, 6 dish towels, teapot (for steeping tea; not essential but nice), bread basket, aluminum foil, and plastic wrap. • BBQ Grill: Inexpensive gas grills are best. Plan on replacing them about every couple of years. • Flatware and Serving Ware: Dinner plates, soup / cereal bowls, small plates (Service for 8 - 10 works best for property that sleeps up to 8), glasses (service for 8-10), flatware (service for 10 plus meat fork), 6 to 8 Serving spoons, 2 slotted spoons, coffee mugs or coffee cups and sauces (service for 10), 2 to 3 serving bowls and platters for hors doeuvres, or maybe a turkey or roast. Bright colorful serving bowls are nice and also help to add a pop of color to the kitchen. • Cleaning Supplies (keep in property for guests): Hand dish soap, dishwasher soap, degreaser, window cleaner, cleaning cloths, large 2 to 3 gallon plastic bucket, mop, 2 brooms (1 for inside and 1 or outside),1 dust pan Guideline for Soft Goods Equip your vacation rental house with nice quality bedding, towels, and window coverings. Do not buy the cheapest soft goods. They wont last and you will likely receive complaints. Guests expect good quality towels and linens and will write bad reviews for poor quality items. You can save money by purchasing from discount warehouse and home furnishing stores. • Towels: For a 2 bedroom rental - 12 bath towels, 12 hand towels, and 8 wash clothes; for a 3 bedroom rental - 14 bath towels, 14 hand towels, 14 wash clothes; for a 4 bedroom rental - 16 bath towels, 16 hand towels, 16 wash clothes • Sheets and Pillow cases: 2 sets for each bed. Get at least 400 count sheets • Bedding Protectors: Mattress covers for each mattress zip pillow protectors for each bed pillow (these go on the pillow before the pillow case). • Bed spreads or comforters: We take our cue from high end hotel rooms. At this writing (2011) travelers like duvet covers (over comforters) and / or mattalesse coverlets in the contemporary market. Bed covers MUST be washable. • Decorative and Comfort Items: Throw pillows, 2 or 3 blanket throws, throw rugs, door mats • Beach / Pool Towels - 2 per bedroom • Window coverings - Nice curtains and / or blinds Entertainment and Internet Service: Flat Screen TVs: People expect TVs in the bedrooms as well as the main living room / great room. I recommend a large TV (minimum 36 inch) in the living room, and smaller ones in the bedrooms (15 - 24 inch are fine). Small flat screen TVs need to be mounted on the wall or bureaus for security reasons. Cable TV or Satellite: Dont offer pay per view features. Its too hard to keep track of those charges. Internet (DSL): WiFi router is an expected feature. Almost all tourists travel with laptops... and they get upset if they dont have internet access. Most renters do request WiFi. Stereo and C/D player: Most guests travel with iPods in todays market, but most still expect some kind of music player. This should not be an expensive unit. It can be a large boom box type with detachable speakers and should be large enough that people do not try to take it outside. 4 - Maintenance and Housekeeping Your vacation rental must be well maintained and kept immaculately clean. Keep in mind, that while your house is not a hotel, you are offering it as a vacation accommodation to travelers, and guests will expect maintenance and cleanliness standards set by nice hotels. This is not a place to cut corners, and if you do, your house will soon appear on a travel log such as Trip Advisor, Flip Key, or rental review sites with negative comments. Bad reviews about poor cleaning and maintenance, even if they are exaggerated by unscrupulous guests, can quickly stigmatize your house and discourage future guests from renting it. You simply must commit to bearing the cost to keeping your house to quality standard. Most vacation rental agencies collect a departure cleaning fee in advance from the guests to clean it when they leave. Guests expect and deserve to arrive to a clean and tidy property. Set a cleaning rate that will cover your costs to clean the house thoroughly each and every time guests depart. Make sure you plan enough time to clean the house, and better yet hire a good professional housekeeper. Make sure carpets and furniture are cleaned as needed. During periods when your house is not rented, be sure you give it a deep clean. Replace towels and linens with new ones as necessary, and never make a bed or make up a bathroom with tired or stained linens or towels. If your house has porches or decks and outdoor furniture, they must be kept scrubbed and free from mildew and look fresh for every guest who checks in. Same with windows, yards, landscaping, swimming pools, and Jacuzzi tubs - they must be maintained to quality standard or you will get complaints. This goes for household maintenance issues as well. You will need to hone your handy-man skills and make sure all the light bulbs work, a/c filters are changed, the internet is working, TV remotes work, the toilets are flushing properly, and the pool and Jacuzzi heaters are working right. You will also need to be on call to go over to the property and provide minor repairs. Unless you live in the same town as your rental, and you are absolutely committed to maintaining it, hire professionals to do this for you. If you are not willing or able to do this, or cannot quickly respond to any maintenance needs, I strongly recommend that you hire a professional rental agency that is staffed up to provide these kind of services. It will save you a lot of head ache and could save the reputation of your rental house. 5 - Managing Your Property - Advertising, Reservations, Rental Contracts, Bookkeeping The final basic step to turning your house into a successful vacation home is to start advertising it and taking reservations. Today, there are several mega-vacation rental advertising websites to choose from that have huge data bases of available rental properties. Most of these are set up so you can you can post your own ad copy and download your own property photos. Expect to pay over $500. to get positioned on-line so that prospective renters can find your property. You can also use social media such as Facebook and Twitter to promote the availability of your property. If you decide to manage your property yourself, you must be completely committed to every aspect of the administrative process. This means answering email and phone inquiries in a timely manner, maintaining an availability calendar, talking with potential guests to determine if they are appropriate renters for your house, writing and sending rental contracts to guests, collecting rental fees, collecting and paying required bed and / or sales tax, collecting and refunding security deposits (or determining costs where there is damage), paying housekeepers and maintenance people, paying utilities, keeping licenses current, and generally staying on top of the bookkeeping. There are several home-based reservation management software packages available to help you stay organized, but they will only work if you are diligent about keeping the information updated.
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