The benefit of insurance is to transfer the risk of loss to a company in exchange for a premium. The deductible is an amount the insured pays out of pocket before the insurance starts covering the cost of the loss. The challenge is to balance the risk an insured can accept with the premium being charged.

To manage insurance premiums, policy holders often consider adjusting their deductibles. Lower deductibles result in less money out of pocket if a loss occurs in return for higher premiums. Higher deductibles will lower premiums but require that the insured bear a larger amount of the first part of the loss.

Insurance companies offer deductibles as a specific dollar amount or as a percentage of the total amount of insurance policy. The amount is usually shown on the declaration page of homeowner and auto policies.

A small fire in a $300,000 home that resulted in $5,000 of damage might not be covered because it is less than the 2% deductible which would be $6,000. If the homeowner can afford the cost of repairs in exchange for lower premiums, it might be worth it. On the other hand, if that loss would be difficult for the homeowner, a change in the deductible for higher premiums could be considered.

Raising deductibles can save money in the present when paying the premium but could cause problems later if a claim occurs. Homeowners should review deductibles with their property insurance agent to be familiar with the amounts and make any changes that would be appropriate.

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Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Your children have flown from the nest, or maybe retirement is not so far away.  Do you still need all of the space your current home has? Or maybe the idea of selling and buying a smaller home and save the profit for a boost to your retirement income.  Whatever the reason, many empty nesters and retirees are downsizing. Let’s look at these things to consider: 

• Downsizing can be a huge change for most, and planning for it is the key.  Talk with your partner, your family and friends, tell them of your thoughts, and have some of them help you start a Downsize Plan.  
• Think practically when you’re thinking about what sort of house you’d like to buy.  You don’t want to go so much smaller that you don’t feel at home.    
• Do you want to stay in the general area you are currently in, or do you want to move across the country? Maybe you’d like to have an adventure and travel.   

• Look at your budget and go through it very carefully.  Even with a home sale, your new place could be in a more expensive area, with property taxes and higher utility costs.  Choose carefully so you save more of the profit from the old house’s sale. 
• We don’t like to think about aging, but one consideration you should be taking is that if this will be your last home, make sure it will work for you as you get older.  In case of mobility issues later on, a single-story house that will be easier to maneuver around in, or one with a smaller yard for less maintenance is best when house-hunting. 
• The thought of maintaining our landscaping can make us groan as we get older in more ways than one, so consider a condominium or townhouse to relocate to. Be sure to ask if there are extra maintenance fees in these communities. 
• Once you make your decision, contact a realtor in the area with questions about the housing market, as they can assist you with figuring out how much your house would sell for, as well as finding a smaller and affordable home for you to buy or even consider a rental for a while. 
• Once you decide to sell and relocate, start the first step of the moving process of going through your belongings, and deciding what you’ll have room for in a smaller home.  This downsizing article from Sixty&Me.com has some extreme but practical advice to help you start this emotional task. Get the family involved if your children still have belongings stored in your attic or spare room. 
• If the thought of cutting out so many of your belongings is too daunting, find a professional organizer who can help.  Look for one that specializes in downsizing. 
• You have probably acquired a houseful of furniture, and a smaller home means less space to place what you have now.  Talk to family members who may want pieces that you have, sell some furniture, or donate practical items to a shelter or thrift store. 

Preparing for the later years in life can be daunting.  If you’re getting ready for retirement, or dreading the thought of the last child leaving home, downsizing and a new beginning can actually be something to look forward to.  Be sure to share your housing concerns and desires with your real estate agent, who will do all they can to find the perfect home for you to make every moment enjoyable for you for years to come. 

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Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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The new tax law that was signed into effect at the end of 2017 will affect all taxpayers. Homeowners should familiarize themselves with the areas that could affect them which may require some planning to maximize the benefits.

Some of the things that will affect most homeowners are the following:

• Reduces the limit on deductible mortgage debt to $750,000 for loans made after 12/14/17. Existing loans of up to $1 million are grandfathered and are not subject to the new $750,000 cap.
• Homeowners may refinance mortgage debts existing on 12/14/17 up to $1 million and still deduct the interest, so long as the new loan does not exceed the amount of the existing mortgage being refinanced.
• Repeals the deduction for interest on home equity debt through 12/31/25 unless the proceeds are used to substantially improve the residence.
• The standard deduction is now $12,000 for single individuals and $24,000 for joint returns. It is estimated that over 90% of taxpayers will elect to take the standard deduction.
• Property taxes and other state and local taxes are limited to $10,000 as itemized deductions.
• Moving expenses are repealed except for members of the Armed Forces.
• Casualty losses are only allowed provided the loss is attributable to a presidentially-declared disaster.

The capital gains exclusion applying to principal residences remains unchanged. Single taxpayers are entitled to $250,000 and married taxpayers filing jointly up to $500,000 of capital gain for homes that they owned and occupied as principal residences for two out of the previous five years.

Not addressed in the new tax law, the Mortgage Forgiveness Relief Act of 2007 expired on 12/31/16. This temporary law limited exclusion of income for discharged home mortgage debt for principal homeowners who went through foreclosure, short sale or other mortgage forgiveness. Debt forgiven is considered income and even though the taxpayer may not be obligated for the debt, they would have to recognize the forgiven debt as income.

These changes could affect a taxpayers’ position and should be discussed with their tax advisor.

By: PatZaby.com

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Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Depending on whether you are planning to sell your home in the next year or if you are in your forever home, remodeling is a great way to get what you want out of your home, or what buyers want.  There are things to consider before you jump into remodeling. 

• Decide on a budget, and how you’ll pay for the upgrade.  Consider hiring a financial planner who can help you choose which way is best. 
• If you decide to do this project yourself, and you’re not in the construction business, plan on taking much longer than a professional.  Be realistic about your skills and hire help if you need it. 
• Acquiring an architect or designer is a good idea if you’re making major changes.  You don’t want to run into major structural or electrical issues and not know what to do. 
• Think about how long you want to stay in your home before you invest in big ticket items, like a six-burner range for the kitchen, or expensive hardwood flooring throughout the house.  If your sole plan is to make money from a sale, or if you want and can afford the upgrades, go ahead. But if you’re not going to enjoy those items while you’re living there, consider a simple refurbishing or using what you have if it’s in good working order and won’t look out of place. 

• When looking for a contractor, price isn’t necessarily the important thing.  Ask for references, check their license numbers, and call the former clients and ask to see the work that was done, either in photos or in person. The research will be worth it in the end.  
• Once you hire your contractor, start getting your paperwork in order.  The contractor has their own responsibilities, and the homeowner has to take care of other items–check this list from realtor.com to see who is responsible for what. 
• Planning a timeline with your contractor is especially important, and make sure you leave room for possible unexpected issues. 
• Sit down with your family and figure out logistics, especially if you’re remodeling the kitchen or one of the bathrooms in your home.  Remodeling can cause a lot of stress, but if everyone knows what to do before it all happens, things can flow better. 
• As with moving, clean out the room before the renovation, giving away, selling or throwing out what you haven’t used in months.  Wrap and store any items you’re keeping in a spare room. 
• Before the construction team comes in to begin the project, sit down with your contractor to set location boundaries for the crew and your family, along with other logistics. The crew doesn’t want your children playing around with tools, and you don’t want your good bathroom towels used for grimy hands.  Everyone needs to know what is okay, and what isn’t.   

A home remodel is a big undertaking; watching renovation shows on television can give the idea that everything goes off without a hitch.  It takes planning, communication and good all-around management to make the process go smoothly, even if you hit a few bumps along the way.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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The Christmas decorations come down, and everything looks so stark and plain, but it doesn’t have to be that way! Try some of these ideas to brighten up your home during the long winter days.

• Change your light bulbs to those that give off a blue hue to mimic sunlight. For dark mornings, invest in a sunrise light that comes on and brightens over a period of time to simulate the sun rising.
• Force the flower bulbs you were given as gifts. Their bright colors will bring Springtime early—indoors, anyway.
• Use light, bright colors everywhere you can—cozy throws, pillows, slipcovers, and accent rug—the light colors reflect what natural light we have coming through the windows and help boost our mood.
• Using natural items isn’t just for Christmas. A basket of pine cones with battery operated LED lights woven through them, or a simple wreath of twigs can double as decor for January.
• Use snowflakes, no matter where you live, to brighten up your interior. Get the kids to cut out paper snowflakes, or make these popsicle stick snowflakes. Hang either on clear monofilament and make a mobile or garland and hang them in a window.
• Cut the arms off of old sweaters and use them to wrap around candle holders and vases for a fun, cozy appearance.
• Clip small branches and twigs, spray them with white spray paint, (or leave them natural), and display them in vases with artificial snow, small pine cones, or whole nuts as a filler.
• Hang a mirror, or several, in a dark spot in your home. It will reflect light and brighten the space.
• Winter greens joined with a child’s sled, vintage ice skates, or a harness of jingle bells make great front door adornment.
• Use unused scarves wrapped around a foam wreath core for a fun and unique decoration. Hang a pair of mittens in place of a bow.
• Do you or any friends have flowering trees? If so, ask them for a few snipped branches, and force-bloom them with these tips from Fine Gardening. The Springtime buds will brighten any room.

Decorating for the colder months doesn’t have to scream Santa. Light colors, natural things and cozy pieces are perfect for brightening the long nights, and making your home as inviting as it was during the holidays.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Some police departments report as high as 98% of calls are false alarms. Not only is this an incredible waste of police resources that could be available for legitimate emergencies, it annoys neighbors, startles pets and results in expensive false alarm fees.

Know your codes – entering an incorrect keypad code is a common mistake leading to false alarms. The solution is to create codes that are easy for all members of the family to remember without them being obvious to potential burglars like your street number. Let everyone know when you change your code.

Secure windows and doors – be sure that all windows and doors are closed before activating your alarm. Disarm your system before opening a window or door.

House guests – tell visitors that you have an alarm system and when you normally arm it. Housekeepers, baby sitters, outside family and close friends also need to be aware of your procedures and possibly give them a code to disarm the system if it is accidentally activated.

Batteries – most systems have battery backup in case the power goes out. Know how often you need to replace the batteries; some last considerably longer than others.

Motion detectors – pets can trigger a motion detector and then, the alarm. There are sensors made for households with pets providing an alternative to turning them off. Other things that could activate motion detectors are helium balloons or curtains and plant leaves being blown in front of a sensor.

Home alarm systems are valuable to homeowners by increasing security, providing peace of mind and lowering insurance premiums. Some municipalities require a license fee for any home with an alarm. Use your alarm wisely.

By: PatZaby.com

Review.com Comparisons

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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With the new year approaching, many people start thinking about resolutions.  If you’re seriously considering buying a new home, you’ll definitely need to be thinking about having your down payment ready when you find the perfect house.  Follow these ideas for saving as much as you possibly can.

• First and foremost, know your house-purchasing budget, and estimate needing 20% of that budget.
• Set up a hands-off down payment high-yield savings or money market account.
• Start cutting out expenses, or find ways to make extra money. Every little bit counts.
• If you plan on getting an end-of-year bonus or income tax refund, set aside that money to begin your new nest’s egg.
• Sign up with your employer to deposit a portion of your pay into a down payment savings account if you’re not great at putting money into savings. Most of the time, if you don’t see it, you don’t miss it.
• Receiving gifts from family members towards your down payment require documentation so your lender, as well as the IRS, knows where the money is coming from, and that the money doesn’t require re-payment.  More information about down payment gifts are here from The Mortgage Reports website.
• Start paying off your credit card debt by paying more than the minimum payment. Lowering and/or eliminating your card balance also lowers your interest rates, so you can start taking what you’d normally pay on credit cards and depositing it towards your down payment fund.
• If you have investments in stocks or bonds, plan on liquidating those assets when it’s time to purchase your house. Make sure you document these sales.
• A pay raise at work is great, but if you happen to get one, stay on your old budget, and have the extra pay direct deposited into your down payment account.
• You can always borrow from your 401k or IRA, but make sure you’re not having to pay penalties. Talk with your account holder before you make any withdrawals.

A down payment, especially at twenty percent, can look daunting.  If it just looks impossible, do your research.  There are many first-time buyer programs available, as well as lower down payment options through the USDA, the VA and state-specific programs.  Zillow has a terrific guide on low down payment guidelines and opportunities. Planning ahead and keeping your eye on your goal will get you well on the way to home ownership.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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It’s the holiday season, and there are almost always unplanned visits from friends or family. Don’t get caught with a messy house or without a few snacks to serve guests–follow these guidelines to make a last-minute get-together almost effortless.

Quick Housekeeping
● Keep your focus only on the rooms you’ll be using while guests are there.
● Grab a basket and stash anything that is considered clutter, and place them in the basket, tucking it away in a bedroom. This is a fun activity you can get the kids involved in, calling it a Ten-Minute Tidy.
● Have disinfectant wipes in the bathroom cabinet, and give everything a quick swipe, put a fresh roll of paper on the dispenser, hang a clean hand towel, and add a seasonal air freshener.
● If you have dirty dishes in the sink and don’t have time to wash them before your unexpected guests arrive, stash them in the oven (not while it’s on!), or the dishwasher. Wipe sinks and counters down with disinfectant wipes, and your kitchen will sparkle.
● Have extra hangers in a closet or spare room available to stash guests’ coats and cold weather apparel.
● Place a waterproof mat set beside the door to leave wet or snowy boots and shoes.
● Plump up sofa and chair cushions and pillows. Add a cozy throw to a chair arm, and give the middle of the carpet a quick go-over with the vacuum.

Feed Them
● Keep coffee, cocoa mix and tea on hand so you’re not stuck without a nice warm beverage to serve to your drop-ins. It only takes a few minutes to heat water or brew a few cups of coffee. Apple cider can be refrigerated and heated in small amounts, adding some Raven’s Original Instant Mulling Spice, making your guests think you’ve slaved away making hot spiced cider.
● Splurge on a few expensive hors d’oeuvres or cookies for that extra-special feel food like this can bring even to an unexpected visit.
● For a homey touch, have refrigerated cookie dough in the fridge or freezer and pop some in the oven for a nice snack. If your guests have children with them who are old enough, have them decorate cookies with holiday-themed sprinkles or colored sugar.
● Make a cheese tray, add bite-sized smoked sausages, sliced pepperoni or salami from the deli, and cut veggies, and store in the fridge covered with plastic wrap. Remove the plastic, add some fancy crackers, and you have an instant party.
● Snack mixes, spiced pecans, gourmet popcorn and other seasonal savory snacks are great to have in the pantry for quick holiday fare.
● If guests are stopping in around dinnertime, a simple meal of pasta with jarred prepared sauce is easy to prepare quickly. Add homemade garlic bread, and you’ll have a great company meal everyone loves.
● Frozen pies and cakes or even appetizers can be heated or thawed quickly, and are usually on sale this time of year, so dessert is an affordable luxury splurge.
● Good Housekeeping offers some quick tips for foods and snacks that’ll look like you’ve just been waiting to serve guests!

Unexpected guests can get us all in a tizzy, but if we have a plan in place, it can be a breeze to pull off. This time of year is all about gathering together, and even though you aren’t expecting certain guests, be ready for them. Add some holiday music in the background–Pandora has excellent playlists for all genres–sit back, and enjoy your drop-in company.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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If the furniture in your living space looks like it’s just stuffed in the room, there are ways to make your space seem larger.  Check out these tips to create more space in your home: 

• Use mirrors to fool the eye, because they reflect light and images. Hang one larger mirror on the main wall, several small ones, (gallery style), or even an oversized mirror leaned against the wall.   
• Painting walls a light color automatically opens up the space to the eye, because it reflects light.  Going all one color is a great way to make the room appear larger, too. 
• Get rid of clutter.  The more you have sitting around–mail, books, work, kids’ school things–the fuller your space looks.  Baskets, files or paper organizing gadgets, decorative storage containers, or furniture pieces that double as storage are the best way to hide necessary things.  Get rid of, (in other words, throw away or recycle), junk mail and unnecessary paper as soon as you look at it. 
• Draw an imaginary diagonal line across your room and place your furniture at an angle.  You even get a bonus storage area behind anything that covers a corner! 
• Pieces that are the same color as the walls blend in, making the room appear larger. 
• Either skip window coverings, or use sheer drapery or curtains and blinds that are the same color as your walls.  If you have to use drapes, hang them either at ceiling height, or just inside the window so the framework is visible. 
• If you want bookshelves, consider a wall-to-wall, floor-to-ceiling unit.  Draw the eyes horizontally and vertically. 
• Speaking of bookshelves, the less you have on these open spaces, the roomier it looks.  Cramming every collection, book, or “trinket” just fills up the space in a similar way that clutter does. If you must display sentimental pieces, display a few at the time.  Switching them out on occasion will also give new appreciation for them. 
• Choose sofas and chairs with exposed legs to allow to light to pass through underneath them.  The more light in your room, the better. 
• On that note, light is your friend.  If you can’t get more natural light into the space, use a few lamps instead of an overhead light, as it draws the eye to look around the room. 
• Keep patterns small.  Use a punch or two of larger patterns on pillows or throws, but not too many–remember–less is more. 
• If you need an area rug, don’t settle for a small rug under the coffee table.  Purchase a rug that extends out from the furniture, as it will draw the eye out. 
• Create a focal point with framed pieces on one wall, especially behind a sofa, and extend the arrangement to the ceiling, and it will make the space appear taller.  It will also add pop and take away from the room’s size.  
• Drop-leaf tables or dining tables with the extra leaf removed work best in small areas, and if you need more tabletop space for guests or for workspace, simply add the leaf. 

Small spaces can still mean big living–we just have to make a few adjustments to maximize the space and create a few illusions for our minds to think big.  Better Homes and Gardens has multiple ideas for small spaces, from apartments to living areas, as well as those awkward spaces. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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The time of year is upon us when we gather together and indulge in our favorite foods.  It’s so easy to slip Fido or Kitty a little scrap now and then, but it may not be such a good idea.  See this list for human foods that may or not be good for your pets. 

• Turkey may be an ingredient in some pet foods, and a bite or two of cooked, white meat is a nice treat. The skin, however, contains fat as well as spices that can cause an upset stomach, or worse, pancreatitis.  If they get turkey, remove the skin. 
• If you’re celebrating with prime rib, or ham, a few bites of meat without herbs or spices is a nice snack.  
• Bones of any kind can be a real danger because of splintering, and could cause choking as well as a perforated digestive system. 
• Gravy is a yummy treat poured over their regular food, but limit it to a few tablespoonsful.  Gravies are usually too salty for animals, and are high in fats. 
• Before you turn your baked sweet potatoes or pureed pumpkin into pies, pass a spoonful or two along as a treat.  Both are rich in vitamins and high in fiber, and are a great anytime snack. 
• Onions are a definite no–they contain thiosulphate, which is quite harmful to dogs and cats. 
• Stuffing may not only be too carb-rich, but the onions, garlic and spices that most stuffing’s contain can be toxic your pets. 
• Going sugar free? Make sure your artificial sweetener doesn’t contain xylitol, and if it does, make absolute certain your pet doesn’t eat anything it’s an ingredient in. 
• Baked goods contain too much sugar, or may have chocolate, which shouldn’t be fed to either cats or dogs in the slightest amount.  Call your vet if you think they may have eaten anything containing chocolate. 

We usually end up going a bit overboard on Thanksgiving, but it doesn’t have to include our pets.  The extra people in the house and hustle and bustle in the kitchen and can be a bit much for pets, anyway.  Provide a quiet corner for them so they can get away for a while.  When you sit down for your meal, make sure guests know not to feed the four-legged beggars with the sad eyes.  If you really want to include your beloved canine in your family meal, try this little doggy casserole from The Bark, and cats will enjoy these turkey jerky nibblers that are easy to make! 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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