Charitable Giving | Jean Scott Homes

1728 Setting Sun Loop, Casselberry, Fl 32707 – Sold

1728 Setting Sun Loop, Casselberry, FL 32707 | Sold by Jean Scott Homes 4 Bedrooms, and 2-1/2 Bathrooms, located in the Oakhurst Reserve Unit One Nestled within the secure confines of Casselberry’s Oakhurst Reserve, this inviting home eagerly awaits a new family. As you approach, the mature landscaping on the quiet street warmly welcomes you. Step through the front door into a spacious and open floorplan, perfectly designed for entertaining. The well-appointed kitchen features solid wood cabinetry, granite countertops, stainless steel appliances, a dinette, and a large pantry. It seamlessly opens into the great room, which serves as both a dining space at the front and a spacious living room at the back. From here, you can access the patio and enjoy views of the backyard. Updated fixtures and trendy laminate flooring add character to this room, creating a welcoming ambiance. The home follows a triple-split floor plan. The Master Suite at 1728 Setting Sun Loop, Casselberry, FL 32707 (sold) is located off the back right of the home, and the master bedroom boasts a large window, flooding the space with natural light. It also features a walk-in closet and an en-suite bathroom complete with double sinks, a bathtub, and a large shower. The secondary bedroom, positioned off the front left, this room is versatile and can serve as a bedroom,

January 28, 2020

Understanding Relative Humidity: A Key to Good Indoor Air Quality

Maintaining good indoor air quality is essential for a healthy home environment. One critical factor often overlooked is relative humidity. Let’s explore why it’s important and how to manage it effectively. What is Relative Humidity? Relative humidity refers to the amount of moisture in the air compared to what the air can hold at a specific temperature. It is expressed as a percentage. For example, a relative humidity of 50% means the air holds half the moisture it can potentially hold at that temperature. It’s common for doctors to prescribe humidifiers for patients with upper respiratory symptoms, especially in the winter time. It’s cold outside, people are heating their home, and humidity drops. However, this isn’t always the case in Florida. Sometimes making the home too humid can be counter productive. Why is Relative Humidity Important? Health Benefits: Proper humidity levels can reduce the risk of respiratory issues and allergies. Comfort: Balanced humidity levels make your home more comfortable. Preservation: It helps in preserving wooden furniture and musical instruments. Ideal Humidity Levels The ideal indoor humidity level is between 30% and 50%. Levels outside this range can lead to various problems: Low Humidity Dry Skin and Irritation: Low humidity can cause dry

January 28, 2020

A Realtor Explains the Florida Home Purchase Contract

Home Purchase in Florida: Contract-to-Close Process

Understanding the Contract-to-Close Journey Once we have a property under contract, my work begins in earnest. The entire journey involves numerous steps, and I rely on a comprehensive 62-step checklist to guide us through the basics. It’s important to note that the process can vary significantly depending on whether we’re representing the buyer or the seller. Regardless of the challenges that may arise, our dedicated team is here to support you every step of the way. Step 1: Executing the Contract The first action I take after securing a property under contract is to verify that the contract is fully executed. This means checking for any discrepancies or missing signatures. Once everything is in order, I send out wiring instructions to the buyer, allowing them to wire their escrow deposit to the title company. I also send an email to all parties involved—agents, title company, lender, and others—detailing the most relevant information about the transaction. This proactive communication helps ensure that everyone is on the same page, which is vital for a smooth closing process. Step 2: Scheduling Inspections Following the execution of the contract, my next priority is to schedule the necessary inspections within the time frames specified. Coordination

January 28, 2020

The Benefits of Getting a Survey With Your Home Purchase Explained by a Professional

6 Benefits of Getting a Survey with Your Home Purchase

Benefits of Getting a Survey with Your Home Purchase We often get asked by home buyers in the Orlando, FL area if they need to pay for a survey and why it is necessary. The short answer is, Yes. It’s our opinion that you should pay to have a survey done before purchasing your home. Here are several good reasons for getting one. 1. Required by Lenders If you are financing your home purchase, your lender will require a survey as a condition of the mortgage. The mortgage lender wants legal documentation of the real estate it will be holding an interest in, including what structures are on the property and their relation to the property lines. 2. Establishing Property Boundaries A professional surveyor will establish the boundaries of the property and ensure that the boundary markers, typically a steel bar in the ground, are in the correct location. They do this by making exact measurements from control points in the neighborhood, which could be a stone monument or steel stake in the roadway. 3. Identifying Structures and Easements Once the boundary markers are identified and certified as being in the correct location, the surveyor will identify the location of

January 28, 2020

Homebuyers Get The Keys at Closing to their New Home.jpg

Getting Your Keys at Closing: Ensuring a Smooth Move

Sometimes buyers are suprised that they don’t immediately get keys at closing for their new home. Buyers and sellers can be surprised by some of the issues that can come up in the last few days before closing. Sudden difficulties when you feel like you’re right at the finish line can make what was otherwise a smooth transaction feel like a nightmare. Here at Jean Scott Homes, we pride ourselves in doing everything we can to prepare our clients for any possible scenario – one of the hurdles most often unexpected is funding. The Final Step: Funding Many people don’t realize that getting documents signed is not the final step in closing. Generally, keys at closing cannot be released until “funding” has taken place. Funding occurs after documents are signed and is essentially the exchanging of money. Understandably, sellers usually will not and title companies cannot release keys to the buyer until money has been transferred. In a normal transaction, this should take place within an hour or so after documents have been signed, but there are a few exceptions. Obtaining Funding Authorization One hurdle to funding can be obtaining funding authorization from the buyer’s lender. Once all closing documents

January 28, 2020

Realtor Explaining the Residential Sales Contract

Florida Residential Sale Contract

Understanding the Home Purchase Contract There are two main versions of the Florida Residential Sale Contract. They are titled, “Florida Residential Contract for Sale and Purchase” and “Florida Residential Contract for Sale and Purchase AS-IS”. Both are periodically reviewed, updated, and approved by Florida REALTORS® and the Florida BAR. Choosing which contract to use and what that contract means for negotiation both before and after execution can be confusing for buyers. One subject that often confuses many people is the issue of repair requests on an “AS-IS” contract. This can be made clearer by examining the differences between the standard , as they relate to inspections and repairs. Key Differences Between Standard and “AS-IS” Contracts Standard FR/BAR-2 Contract The standard FR/BAR-2 contract includes in Section 9 three additional seller costs that the buyer and seller agree upon during initial negotiations: general repairs, WDO repairs, and open permits. Each has a line for a dollar amount or percentage. This amount is agreed upon and built into the offer before the buyer has an opportunity to perform inspections. It is a “guesstimate” of what may be needed for repairs. “AS-IS” Contract On the “AS-IS” contract, Section 9 does not contain these additional

January 25, 2020

The Real Property Seller’s Disclosure – A Great Selling Tool

When you decide to put your home on the market for sale the Real Property Seller’s Disclosure is a great selling tool. It is a document that is the completed by the Seller that conveys all information about their home to potential Buyers. I advise my clients and friends to use this form as a “tell all” communication from the Seller. This assures that they never have to revisit the sale of their home in future due to lack of information and disclosure of any known defects. Good bad or ugly, be honest and forthright, upfront with what type of repairs, or damages your property may have had, so the Buyers will be able to draft an appropriate offer up front. If the Buyer finds out upon inspection that there are items that the Seller did not disclose, they often feel a sense of distrust and are uncomfortable moving forward to closing. Just the opposite is true when complete disclosures and documentation are provided by the Sellers upfront it builds a sense of trust and honesty between the parties in the transaction. Even major damage that was repaired properly and professionally is often not a deterrent to offers when disclosed

January 24, 2020

How We Look at Data to Value Homes

What is My Home Really Worth? Hi, I’m Jean Scott at Keller Williams Advantage Realty. We had a great question from a customer: “What is my home really worth?” Understanding Home Value Using a computerized data source isn’t always the best way to find the true value of your family’s home. While the data is very clear, you do have to look at several different variables to come up with the true value of your home. Market Performance First off, we’d like to look at how the market is performing as a whole. The Orlando Regional Realtors Association publishes this monthly in their Market Pulse. This gives us a broad overview of the market trends and helps us understand the general direction in which the market is heading. Local Community Analysis Secondly, you need to take a look at what’s happening around your home and around your community. We usually go about 2 miles out and take a good, hard look at what’s happening in your area. This includes looking at recent sales, current listings, and any new developments that might affect your home’s value. Comparable Homes Thirdly, we like to identify homes that have recently sold and are most

January 24, 2020

3715 Safflower Ter, Oviedo, FL 32766 – Sold

3715 Safflower Ter, Oviedo, FL 32766 | Sold by Jean Scott Homes 4 bedrooms, 3-1/2 bathrooms, and located in the Sanctuary community Hi there, I’m Rachel Gregory with Jean Scott Homes at Keller Williams Advantage Realty. I’m here at Oviedo’s The Sanctuary at our brand new listing. When you walk through the front door, you’ll be greeted with neutral paint and flooring, tall ceilings, and tons of natural lighting that streams through the sliding glass doors in the formal living room. The front door is going to be flanked by your formal dining room to your right and an office over to the left. Both of these rooms are going to have dark laminate flooring that’s beautiful and you’ll notice french doors on the office for privacy purposes. There’s also an updated chandelier in the dining room. On the left side of the home, you’ll also have the master suite, and then all secondary bedrooms will be on the right side of the home. Walk through the formal living room into the combination kitchen and family room here at 3715 Safflower Ter, Oviedo, FL 32766 (sold). There at the front, you are going to have a great little dinette and

January 9, 2020

415 Seymoure Ct, Oviedo, FL 32765 – Sold

Hi there, I’m Rachel Gregory with Jean Scott Homes at Keller Williams Advantage Realty. I’m here at our newest listing located at 415 Seymoure Ct, Oviedo, FL 32765. It’s 4 bedrooms and 3 bathrooms on a triple split floor plan. A complete remodel has been done inside and out back you’re going to have a great pool and backyard. When you walk through the front door, you can be greeted with tall ceilings and plenty of natural lighting. This home did just go through a recent remodel and upgrade, so you’ll notice neutral paint throughout the entire home along with upgraded fixtures and then a beautiful wood-looking tile running throughout. In the front of the home you’ll have your first secondary bedroom and then down this hallway on this side of your formal living and dining spaces will be the master suite and another full bathroom that’s going to act as the cabana bath. Through the arched entry there you’re going to walk into your combination kitchen and family room. This kitchen has been completely remodeled so you’re going to have 42-inch shaker cabinetry, miles of granite countertop space with a large breakfast bar, and then also the new,

December 5, 2019

343 Lakepark Trl, Oviedo, FL 32765 – Sold

Welcome to Kingsbridge East, where this delightful residence awaits your family. As you step through the front door, the neutral palette and tasteful decor create an inviting ambiance. The main level features a spacious dining or living room just beyond the entryway, leading to another comfortable living area. The upgraded kitchen boasts granite countertops, stainless steel appliances, and 42-inch cabinetry. A breakfast bar overlooks the family room, which opens to a generous patio through French doors. Conveniently located off the family room, you’ll find a hallway leading to the laundry room, garage access, and a half bathroom. Upstairs, discover the expansive master suite with ample space for a sitting area. The master bedroom includes a walk-in closet, privacy closet, and an upgraded en-suite bathroom with double vanities, a garden tub, and a large, updated tile shower. Three additional bedrooms, each with sizable closets and ceiling fans, share a second full bathroom with a single vanity and a shower/tub combo. Outdoor enthusiasts will appreciate the extended brick-paver patio, perfect for entertaining, and the fully fenced, meticulously landscaped yard. Don’t miss out on making this house your home.

November 23, 2019

5608 Perrine Dr, Orlando, FL 32808 – Sold

5608 Perrine Dr, Orlando, FL 32808 | Sold by Jean Scott Homes 3 Bedrooms, 2 Bathrooms, and located in Meadowbrook Acres Whether you’re a seasoned investor or a first-time buyer, this home presents an enticing opportunity. Its versatile layout and potential for customization allow you to tailor it to your specific needs. Consider the long-term benefits of owning a property that can serve as a rental income source or appreciate in value over time. For those embarking on their homeownership journey, this residence is an excellent choice. The freshly painted walls provide a blank canvas, ready for your personal touch. Imagine creating cherished memories within these walls—the first family dinners, cozy movie nights, and the joy of making it truly your own here at 5608 Perrine Dr, Orlando, FL 32808. Enter the commodious family room, a perfect setting for hosting or unwinding. Nearby, the dining room invites memorable meals and festive celebrations. The kitchen, complete with a sizable peninsula/island, invites guests to gather and engage over light fare. Copious cabinetry provides plentiful storage. Located discreetly at the rear, past the carport, the interior laundry room presents a functional perk, leading out to the broad backyard. Each of the three bedrooms is

November 8, 2019

1043 Willa Lake Cir, Oviedo, FL 32765 – Sold

1043 Willa Lake Cir, Oviedo, FL 32765 | Sold by Jean Scott Homes 3 Bedrooms, 2-1/2 Bathrooms, 2,422 SF I’m Rachel Gregory with Jean Scott Homes at Keller Williams Advantage Realty. I am at our brand new listing. This home is in the Willa Lake community right next to the Cross Seminole Trail. Oviedo High School and Lawton Elementary are within walking distance, which would make it a particularly convenient location for families with kids. There are many upgrades inside and a beautiful backyard pool with a pond view. Outback is where you’ll want to spend the majority of your time. You’ll have a huge covered lanai here at the front, which will overlook a solar-heated pool and spa. This pool is big enough so you can swim laps or start a volleyball game, whatever you choose. The whole yard will be fenced for your privacy, and then back over my shoulder, you can see a beautiful, relaxing pond view This home behind me is at 1043 Willa Lake Cir, Oviedo, FL 32765 (sold) and boasts three bedrooms, plus an office, and two bathrooms. As you enter through the front doors, tall vaulted ceilings welcome you. It is complemented by

November 1, 2019

1588 Bay Club Rd, Oviedo, FL 32766 – Sold

1588 Bay Club Rd, Oviedo, FL 32766 | Sold by Jean Scott Homes 4 Bedrooms, and 2-1/2 Bathrooms, located in the Riverside At Twin Rivers. Hi there, I’m Rachel Pope with Jean Scott Homes at Keller Williams Advantage Realty. I’m here in Oviedo’s Riverside, just a walking distance from both Partin Elementary and Lawton Chiles Middle School. This great home behind me boasts 4 bedrooms and 2.5 bathrooms and has soaring ceilings, neutral paint, and flooring throughout, making it truly move-in ready. And then out back there’s a beautiful pool perfect for swimming laps. Welcome to 1588 Bay Club Rd, Oviedo, FL 32766 (sold). Once you walk through that front door, you’re going to notice a soaring two-story ceiling, tons of natural lighting, and then neutral paint and flooring throughout. To the right of the front door will be your laundry room and a half-bath for convenience, then over to the left your upgraded kitchen. At the front of the kitchen will be a great little eat-in area, and then you’ll notice new cabinetry, granite countertops, stainless appliances, and updated fixtures, and then at the end of the kitchen, you’ll have access to your dining room. Walk further down the

November 1, 2019

2837 Strand Cir, Oviedo, FL 32765 – Sold

2837 Strand Cir, Oviedo, FL 32765 | Sold by Jean Scott Homes 3 Bedrooms, and 2-1/2 Bathrooms, located in Oviedo’s Crossings at Little Creek. Hi there, I’m Rachel Pope with Jean Scott Homes at Keller Williams Advantage Realty. I’m here at Oviedo’s Little Creek, just a walking distance from both Hagerty High School and Carillon Elementary School. This beautiful home boasts 3 bedrooms and two bathrooms and a split floor plan that’s also going to have an office that could double as a fourth bedroom if you’d like. The open floor plan is perfect for family gatherings and entertaining. Out back there’s a covered patio that’s going to overlook a fully fenced yard. Welcome to 2837 Strand Cir, Oviedo, FL 32765 (sold). walking through the front door it’s gonna open into a long foyer and then directly to the left of your front door, you’ll have your two secondary bedrooms and second bathroom. Now at the end of the foyer will be all of your living spaces and with such an open floor plan, this is the ideal spot for entertaining. To the right will be the kitchen and as you can see it’s a really large kitchen with miles

November 1, 2019

6056 Apollos Corner Way, Orlando, FL 32829

6057 Apollos Corner Way, Orlando, FL 32829 – Sold

Hi there, I’m Rachel Pope with Jean Scott Homes at Keller Williams Advantage Realty. I’m here in Orlando’s Tivoli Gardens at our brand-new listing. Welcome to 6057 Apollos Corner Way! This townhome features 3 bedrooms, 2.5 bathrooms, and great updates throughout. As you enter, abundant natural light and neutral decor create a light, bright, and airy ambiance. Moreover, the kitchen boasts 42-inch cabinets, granite countertops, and a glass tile backsplash. In addition, laminate flooring in the dining and living rooms offers views of the conservation area. Furthermore, outside, a cozy screened patio overlooks the beautiful surroundings, providing a perfect spot for relaxation.

October 18, 2019

Live Oak Reserve Food Drive 2019

The Keller Williams culture holds a focus on respect, integrity, and helping your community. Each year, The Jean Scott Homes Team rallies together, along with the Hagerty High School Spanish Honors Society, to gather food from the residents of the Live Oak Reserve community in Oviedo, Florida. All the food and items picked up is donated to HOPE Helps, a local Oviedo Charity that focuses on helping those less fortunate in our community. At the beginning of the week, we leave a bag with a HOPE Helps flyer on the door of every Live Oak Reserve resident and at the end of the week, we drive through every neighborhood and pick up the bags of food that residents have been so gracious to leave out for us. This year, our Live Oak Reserve community donated 177 bags of food to HOPE Helps. We want to thank everyone who donated, HOPE Helps for giving us this opportunity, and to the Hagerty High School Spanish Honors Society for working with us every year to give back to our community.

October 14, 2019

613 Cranebrook Ct, Oviedo, FL 32766 – Sold

his Riverside home at 613 Cranebrook Ct, Oviedo, FL 32766 is ready to welcome a new family. Moreover, this home boasts 4 bedrooms, 2 bathrooms, and a pool. The light fills the entryway as you step through the front doors. The neutral paint and flooring, along with the lighting, make the home light and welcoming. Additionally, the formal living space, located near the front of the home, will give you immediate access to the patio and the pool. Consequently, next to this area is the dining area with a large window. The kitchen and family room areas are ideal for hosting gatherings with the ample amount of countertop space, breakfast bar area, and cozy dinette. Nearby, you’ll find the master suite and secondary bedroom, a space that’s perfect to use as an office space or a nursery. The patio with pool access provides a space to sit back and relax. Outside of the screen enclosure, there is a fenced area, perfect for letting children and pets play.

October 11, 2019

2328 Foliage Oak Ter, Oviedo, FL 32766 – Sold

2328 Foliage Oak Ter, Oviedo, FL 32766 | Sold by Jean Scott Homes 5 Bedrooms, 5 Bathrooms, and located in Live Oak Reserve Hi, I’m Jean Scott with Keller Williams Advantage Realty. This beautiful property is located in Live Oak Reserve. This home has 5 spacious bedrooms and 5 bathrooms. The best part about this home is that it has two master suites, one is upstairs and one is downstairs. They are both spacious and have large bathrooms with garden tubs and separate showers. This home has 3 parking spots for every member of the family and is located on a conservation lot. This property is a quick bike ride to Partin Elementary, and Lawton Chiles Middle School, and the children and students are bused to Hagerty High School; it’s also a 10-minute drive from Research Park. Inside this Home Welcome to your spacious foyer. This home, 2328 Foliage Oak Ter, Oviedo, FL 32766 (sold), has a front-facing formal living room and formal dining room spaces. It has an abundance of natural light that comes in and fills the space. You have hardwood floors on the entire downstairs and staircase for easy maintenance. Here in the kitchen, you can see

September 29, 2019

Front view of 342 Lakepark Trail, Oviedo, FL 32765

342 Lakepark Trl, Oviedo, FL 32765 – Sold

This home at 342 Lakepark Trl, Oviedo, FL 32765 in Kingsbridge East has 3 bedrooms and 2.5 bathrooms. The home welcomes you with mature landscaping and plenty of curb appeal. The volume high ceilings welcome you into the spacious foyer travertine floors and brand new carpeting. The huge pantry, stainless-steel appliance package, wine rack, and breakfast bar make for an ideal kitchen space. The kitchen is connected to the family room, making the area perfect for hosting gatherings. The double sliding doors lead out to the lanai area, a perfect space for relaxing after a long day. The master suite has pool-view access, two closets, a matching master bath with a garden tub, a separate shower, and double sinks. The secondary bedrooms are located on the opposite side of the home; however, this arrangement is due to the split floor plan. Near the pond, you can experience the walking trail and Long Lake Park.

September 29, 2019

1614 Riveredge Rd, Oviedo, FL 32766 – Sold

1614 Riveredge Rd, Oviedo, FL 32766 | Sold by Jean Scott Homes 3 Bedrooms, and 2 Bathrooms, located in the desirable community of Riverside At Twin Rivers. When you walk inside, you’re going to notice that the home has been completely remodeled from top to bottom. You’re going to have the popcorn ceilings that have been scraped, brand new lighting fixtures, new interior paint throughout, wood-looking tile in the main living area, and new carpets in the bedroom. The bathrooms have been redone, you’re gonna have stainless fixtures, and this kitchen is absolutely beautiful with white cabinetry, granite countertops, stainless appliances, and tile backsplash. The master suite at 1614 Riveredge Rd, Oviedo, FL 3276 (sold) has windows facing the backyard and sliding glass doors that give access to the screened-in patio. The high vaulted ceiling and large walk-in closet make for a spacious master suite. The bathrooms for both the master suite and the secondary bedrooms have been recently renovated with beautiful white cabinetry and granite countertops. The spacious backyard has been recently sodded and is fenced, creating the perfect space for relaxing after a long day. This home at 1614 Riveredge Rd, Oviedo, FL 32766 is sold. It has

September 21, 2019

113 Lakeside Cir, Sanford, FL 32773 – Sold

113 Lakeside Cir, Sanford, FL 32773 | Sold by Jean Scott Homes Welcome to this home at 113 Lakeside Cir, Sanford, FL 32773, nestled in the heart of the Hidden Lake community of Sanford. The natural lighting fills the entry way space through large windows, skylights, and sliding glass doors. The home also features neutral paint and neutral flooring throughout. The kitchen has an ample amount of countertop space and cabinetry. The open space and vaulted ceilings of the living and dining rooms create the perfect space for entertaining guests. The secondary bedroom are well-seizes with comfortably sized closets and ceiling fans. The master suite sits towards the back of the home and had patio access to a spacious backyard.

September 21, 2019

1880 Greenbrook Ct, Oviedo, FL 32766 – Sold

1880 Greenbrook Ct, Oviedo, FL 32766 | Sold by Jean Scott Homes This home has 3 bedrooms and 2 bathrooms and is located in the beautiful and highly-sought after Riverside community in Oviedo. This home is move-in ready, located a quick walk away from A-rated schools like Partin Elementary and Lawton Chiles Middle School. The exterior boasts mature landscaping and is located on a cul-de-sac. As you enter through the front door of 1880 Greenbrook Ct, Oviedo, FL 32766 (sold) you’ll walk into a beautiful family room with vaulted ceilings and neutral tile and paint. The windows also provide an ample amount of natural lighting. This room is connected to all of the main spaces, making it optimal for entertaining and hosting get-togethers. In addition to the great space for entertaining, the kitchen offers solid wood cabinetry, plenty of solid surface countertop space, a breakfast bar that overlooks the great room, solid wood cabinetry, and stainless steel appliances. With the home’s split floorplan, the master suite is located to the back right of the home and the secondary bedrooms and secondary bathrooms sit to the front right. The master suite provides a lovely view of the backyard and a large

September 3, 2019

441 Center St, Chuluota, FL 32766 – Sold

441 Center St, Chuluota, FL 32766 | Sold by Jean Scott Homes 3 bedrooms, 2 bathrooms, and located in North Chuluota Subdivision. Hi there, I’m Rachel Pope with Jean Scott Homes at Keller Williams Advantage Realty. I’m here in North Chuluota on Center Street at our brand-new listing. This home boasts 3 bedrooms and 2 bathrooms. Both of the bathrooms have been updated, the kitchen also has some great updates, and then out back there’s a large lap pool with spa and a fully-fenced yard. Welcome to 441 Center St, Chuluota FL 32766 (sold). When you walk through the front door, you’re gonna walk into a great room with your dining space over to the left and then the family room straight ahead. The family room is going to have a full wall of a brick-faced wood-burning fireplace. On either side, there are two big windows that give you views of the backyard and the pool. There’s a hallway down to the right that’s going to lead to the bedrooms and bathrooms and then over to the left will be your kitchen. There at the front of the kitchen is a great little dinette area with built-in shelving and

August 22, 2019

Our Charitable Giving