During the holidays as throughout the year, getting cash from an ATM is normal for many people. ATM’s are available 24 hours a day and they’re located in bank branches, convenience stores, grocery stores, malls, airports, sports venues and on street corners.

Unfortunately, the convenience aspect can compromise personal safety especially if you are distracted or not paying attention. Planning for an ATM withdrawal and applying common sense can help you avoid trouble.

• Be aware of your surroundings throughout the entire transaction like people sitting in a nearby parked car or someone offering to help you.
• Safeguard your PIN. Don’t share it with anyone. Don’t write it down. Don’t use your birthdate, last four digits of your phone number or other obvious numbers.
• If there are other people at the ATM to make a withdrawal, shield the keypad when entering your PIN number.
• Keep your car doors locked and windows raised, except for your driver’s window, when using a drive-up ATM.
• Minimize the time spent at the ATM by being prepared with your card ready, what you plan to do and do not count your money until you are in a safe place away from the ATM.
• Take your receipt with you and destroy it if you decide to discard it.
• Be aware that some thieves use skimming devices to steal account and PIN numbers. If something doesn’t look “just right”, consider finding another machine to use.
• Especially at night, pay attention to locations with adequate lighting and being visible from the street. Don’t compromise your safety just because it is convenient.
• After you have your money, pay attention to see if someone might be following you. If you are concerned, go to a nearby police or fire station or well-trafficked business and call the police.
• If you feel uneasy during a transaction, cancel it, remove your card and LEAVE.

There may be a time in the not too distant future when we don’t have a need for cash anymore. Until that time, paying attention to simple safety precautions can help protect us during the holidays and throughout the year.

By: PatZaby.com

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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The Windermere Real Estate Market Trends Report shows the average sales price was $510,876 in November 2017 compared to $605,913 in November 2016. Homes were on the market for an average of 67 days compared to 96 days last year. Homes sold for 97% of the list price.

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 Kissimmee Real Estate Market Trends Report for 34741 shows 41 homes sold in November 2017 up from 36 in November 2016. The average sales price was $205,841 compared to $150,900 in November 2016 and homes were on the market an average of 42 days, down from 61 days in November 2016.

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 Celebration Real Estate Market Trends Report for 34747 shows 104 homes sold in November 2017 compared to 85 in November 2016. The average sales price was $370,645 compared to $270,123 in November 2016 and homes were on the market an average of 123 days, up from 106 days in November 2016.

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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You’ve got $500,000 in liquid assets for your retirement and you’re still 15 years away. All your bills are paid; you have a small mortgage on your home; cars are paid for and great credit. Don’t break your arm patting yourself on the back yet.

People think more about what they’re going to do when they retire than whether they’ll have the funds to do them. Ask anyone who has retired, it takes more money than you thought it did. Let’s look at a hypothetical situation.

To retire with $125,000 income in today’s dollars with a life expectancy of 25 years after retirement, you’ll need to have a net worth of $1.5 million at retirement including what Social Security may provide. Your $500,000 will grow to $1,045,420 in 15 years which will leave you about a half million short. You’ll need to save $24,149 each year for the next 15 years to reach your goal.

Is this surprising? Did you imagine that this example would be that far from its goal? It might seem staggering to save $24,000 each year but there is another way…investing in rentals.

Real estate over the long term has proven to be a solid, predictable investment.  Cash flows, appreciation, equity buildup and tax advantages are the components that contribute to the rate of return. Increasing rents, available financing and solid appreciation make rentals particularly attractive in today’s environment.

Call me at 407-566-1800 to find out more about how rental homes can help you reach your retirement goals.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

By: PatZaby.com
Photo credit: Dreamstime 

A friend or family member has bought their first home, and they realize that there are a few items that would really come in handy for projects, homekeeping, maintenance or yardwork. There may even be a few things they don’t necessarily need, but would be fun to have.  Here are some gifts ideas that go from practical to over-the-top: 

Practical Gifts 

• Well-stocked tool kit or tool box 
• Fire extinguisher 
• Long-lasting LED lightbulbs 
• Home maintenance diary 
• Portable generator 
• Drywall repair kit 
• Lawnmower 
• Garden tools 
• Rain barrel 
• Picture hanging kit 
• Address numbers or display plaque 

Smart Home Gadgets 

• Video peephole viewer 
• Voice controlled home assistant (Amazon echo, Google Home) 
• Smart locks 
• Learning/smart thermostat 
• Climate Manager 
• TV streaming stick and video subscription 
• Robot vacuum cleaner 
• Amazon Prime for a year 

Something More Personal 

• Meal plan subscription: Hello Fresh, Blue Apron, Home Chef 
• Home magazine subscription 
• Pet adoption gift certificate 
• Trees to plant 
• Personalized welcome mat 
• New mailbox 
• Personalized keychain 

A Little Extravagant 

• Digital canvas 
• Pest control for a year 
• Hands-free paper towel dispenser 
• Robot lawn mower 
• Voice activated grocery list maker 
• Home warranty for a year 
• Local interior design consultation 
• Drawing, painting or edited photo of new home 

Owning a home for the first time can be a bit overwhelming with all of the new costs. The perfect time to give a new homebuyer something they can use, something they want, or something completely unnecessary is now! 

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

FHA insured mortgages serve a sector of the market that is not necessarily being met by other loan programs.

Securing an 80% conventional mortgage that doesn’t require mortgage insurance may be the lowest cost of financing but if the buyer doesn’t have 20% down payment, it isn’t really an option.

Securing a 100% VA loan doesn’t require a down payment or mortgage insurance but if the buyer isn’t a veteran with his/her eligibility intact, it isn’t an option either.

There are conventional loan programs with as little as 3% down payment but they not only require mortgage insurance, they also require a credit score of 740 or above which may eliminate some buyers.

For these reasons, FHA is a viable alternative to about 20% of new and existing home sales. The Federal backing of these mortgages makes it easier for first-time and low-income buyers to qualify because the requirements are not as demanding. They’re even more lenient towards buyers who have previously experienced bankruptcy, foreclosure or a short sale.

Finding the right mortgage for the right home is a team effort where both mortgage and real estate professionals work in harmony to get a buyer into their own home. Call us at 407-566-1800 for a recommendation of a trusted mortgage professional.

General FHA loan requirements include:

• The loan is for primary residences only but can include two, three or four units.
• The property must be appraised by an FHA-approved appraiser.
• The property must be safe, sound and secure, in compliance with minimum property standards as defined by the U.S. Department of Housing and Urban Development.
• The borrower must be a legal resident of the U.S. and have a valid Social Security number.
• The minimum credit score of 580 with a down payment of at least 3.5 percent, or a minimum credit score of 500 with a down payment of at least 10 percent.
• The borrower may not have delinquent federal debt or judgments, or debt associated with past FHA loans.
• The borrower must have steady employment history.
• Documentation is required if the down payment was gifted by a family member.
• The borrower must have a debt-to-income not exceed limits of 31% for front-end and 43% back-end ratio (some exceptions may apply).
• Any judgments or collections on the credit report must be resolved or satisfactorily explained.

By: PatZaby.com

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Photo credit: http://humanesocietyofmacomb.org/