Not all housekeeping habits are good habits, especially things that we think save us time or money.  Since it’s nearly Spring-cleaning season, turn over a few new leaves to make sure your home is reflecting your good efforts to keep it clean. Let these tips get you on your way: 

• Dirty Dishes Leaving unwashed dishes in the sink is not only the perfect equation for bacteria, but an invitation for insects. If you’re not washing dishes daily, rinse them and place them in the dishwasher. 
• Dry Dusting  The best way to remove dust, dirt and allergens is dampening a microfiber cloth with a mixture of water and castile soap. Save the furniture polish for polishing. 
• Towels and Washcloths Hanging towels and wet washcloths to dry instead of piling them in a basket or (worse!) on the floor before laundering will inhibit the growth of bacteria and mildew. 

• Cleaning Solution Directions Using too much or too little cleaning product is simply a waste of your time and money. If something is especially dirty, using more than the recommended amount can just attract more dirt over time. Repeat the application or add some elbow grease instead of too much detergent. 
• Dirty Cleaning Tools Rinse mops and allow to dry completely or use washable mop pads to stop bacteria growth. Vacuum cleaner filters should be kept clean or replaced.  Your broom can even use a dip and swish in hot water and detergent, rinse, and dry. 
• Vacuum Last Our grandmothers have taught us to dust last while doing chores, but most cleaning experts suggest vacuuming last, as what dust you’ve stirred up will fall to the floor, and the vacuum will clean it all up. 
• Procrastinating Waiting until mold appears on the leftovers in the fridge or the ceiling fan blades get fluffy with dust just causes more work for you. Check leftover food regularly and throw it out and clean your fan once per month. Allowing cleaning jobs to go unchecked simply causes you to have to work harder and could make your home unsafe. 

No matter what your schedule is, take a few hours each week to set a housekeeping routine, and stick to it! Your home should be your personal haven, and having a cluttered, dirty home is not going to give you much peace.  Get the family involved, assign age-appropriate chores, and you’ll soon break those bad housekeeping habits. 

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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When interest rates drop, many who are still paying a mortgage start thinking about refinancing their home. Other reasons why they choose to refinance; the desire to change to a fixed rate, debt consolidation, or hoping to lower their monthly payments. While all of these are good, sound reasons to refinance, they all have pros and cons.  

• Lowering your interest rate can save money. It will not save much if you’ve already been paying on your home for several years, however, especially if you refinance with a 30-year mortgage. Investopedia says that going for the new rate is a good idea if you can reduce your rate by 2%. 
• When credit card debt is included in a debt consolidation refinance, homeowners risk losing their home for unsecured debt if they cannot keep up the payments. Credit counseling would be a better step to take first if you are considering debt consolidation to pay off credit cards. 
• Refinancing to lower your monthly payment sounds great until you realize that a lower payment only comes with a longer pay-back term and paying more interest in the end. 

• Let’s say you’re making more money and would like to shorten the term of your mortgage by having a higher monthly payment. Nerdwallet suggests that you ask yourself a few questions, then decide if you should refinance or just pay more on your current loan every month. 
• Has your credit score gone up? If so, find out if you can get a better interest rate as a result. Again, be sure you’ll be saving money in the end before you sign the dotted line. 
• You can turn your home’s equity into cash with a cash-out refinance, and if the money is needed for some home improvements or investing, it may be a better way to get the cash. The drawback comes in when the return on investment doesn’t work out, and the equity in the home is lost. 

Closely examining your reasons and goals for refinancing will help you make this decision. Don’t forget to factor in closing costs and other refinancing fees. These can add up, just like when the house was first purchased, and may not be much of a savings at all when it’s all said and done. 

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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Many have seen the stories of home security cameras that have been hacked in disturbing ways. How can this happen to a security system? How secure are they to the outside world is up to the person who sets it up, which is usually the homeowner. Here are a few ways you can protect your home systems from hackers: 

• Begin with finding out if your email address(es) has been affected by a breach. Go to Have I Been Pwned and enter your email.  If your email has been compromised, it will share the data/app breaches it was involved in, and it would be best to change your email password. 
• When you create a new account for any device, use a different password for every account, even if you’re using the same email. Many people use the same email/password combination for everything, and there lies the problem of their information being available on the dark web, and having their accounts hacked into easily. 
• If you have smart speakers, turning off voice commands, voice purchases, microphone, and camera are simply a matter of going into the device’s settings and change them.  

• Your Wi-Fi router comes with a factory default name and password. It would be a good idea to change those before anyone connects to the router. Use a unique name for your home’s Wi-Fi, and a strong password. Both settings can be changed, and directions are normally in the instruction booklets or ask the internet installer how you can do this. 
•  When a vulnerability is discovered in any device, the company normally updates the firmware. Be sure your smart devices’ automatic updates are “checked” in the settings.  
• New products from new companies are great, but sometimes, it’s best to wait for a reputable, established company to produce a similar product. Those companies have a reputation to uphold and will be more likely to make certain their products are as safe as they can be. 
• This might seem obvious but give your home’s Wi-Fi password only to people you know and trust completely.  

While all these measures are good prevention, nothing is completely safe from hackers. If you are proactive about taking the time to make your devices as secure as possible, you will lessen the chances of becoming a victim.   

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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Many people assume that children and home projects don’t go together, but why not?  Oh, sure, electric tools and saws don’t necessarily need to be handled by young ones, but there is so much more than can help you with than a major remodel!   

• Start simple:  cleaning is probably the easiest way to begin engaging your children in home-keeping.  Most love to sweep, dust, vacuum and help with dishes.   
• Little ones are naturally curious about what’s outside, so gardening can be a lot of fun, as well as being educational.  Not only can they assist with planting projects, but even preschoolers can be handy with a rake or help with weeding. 
• When you’ve decided that your walls need new paint, sit down with the color chip cards, and let them help you decide on color.  Painting the sample swatches on the wall is a great way to introduce a paintbrush or roller, and simple techniques.   

• Planning on purchasing a furniture kit?  Let the children help build it; learning how to follow directions that use symbols and handling simple tools is a great start to working those motor skills in a new way. 
• Any small repair–tightening drawer pulls, replacing a door handle or sink faucet–can easily involve any age child.  Give them an age-appropriate job, such as passing needed tools, shining a flashlight or using simple tools under your watchful eye. 
• Putting up new curtains or hanging decor on the walls are great ways to teach school-age kids about using a level or measuring tape.  Math skills in DIY?  Absolutely! 
• Do you perform your car maintenance?  Everyone should know how to check the oil and other fluids, as well as tire pressure.  Showing your children that keeping the family car in good running condition is as necessary as taking care of the house! 

Get your family excited about helping, have patience, and keep them safe while you’re working.   You’ll find that while you’re spending time with them, those DIY jobs will start them on a journey of learning how to be a good homeowner and a handy one at that! 

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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When the time comes to sell your home, you get all sorts of advice from friends and family, as well as the internet.  Accepting all of that information as fact isn’t a good idea, because following all of this advice may end up costing you money and time. Let’s look at some of the myths you may be taking as truths about selling your home: 

• “My house is worth (much more or less than you thought) according to this website!”  Online estimators are not dependable when it comes to assessing the value of your home.  They can’t see the interiors, the condition of the roof, landscaping–you get the idea.  Your REALTOR® is your best source for setting a value for your property. 
• “This kitchen needs remodeling before anyone will even consider buying this place.”  A thorough cleaning, sprucing up of the cabinets with new paint and hardware and installing an inexpensive backsplash and new faucet can make your kitchen a total selling point.  Spending too much on a complete renovation can cost more if you don’t get your return on investment. 
• “If I overprice the house, then negotiate an offer, the buyer will think they’re getting a steal of a deal!”  In today’s world, most homebuyers have done their research, and may overlook your home simply because of the high asking price.  Have confidence in your agent’s ability to price it right.   

• “Weekends are the only days I can have the house available for viewing.”  Setting limits on when an agent can bring potential buyers to the house is like putting up a Not For Sale sign in your yard. If you want the house to sell, it must be accessible even when it’s not convenient for you. 
• “I’ll wait until I get a few more offers.”  Rejecting the first offer for a wait-and-see can leave your house on the market longer, which can lead to fewer offers.  Buyers will wonder if something is wrong with the house when they see the length of time it’s been for sale, leaving your home overlooked in their house hunting. 
• “Hiring a real estate agent is going to cost too much.”  When you contract with a REALTOR®, you’re getting a professional that knows the market, handles the listing, marketing, showing, knows legal aspects of selling a home, and much more.  Taking the risk of selling your house on your own could cost you much more than an agent’s commission in the end. 

Discuss your ideas and fears with your REALTOR® and allow them to guide you through the home-selling process.  Choosing a reputable and knowledgeable agent will help with any concerns you may have, helping you debunk the more common myths about selling a home. 

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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Having a beautiful lawn or productive veggie garden is not for the faint at heart.  You’ve put plenty of time and effort into your landscaping, so when weeds start sprouting, some of them can take over quickly.  They are, after all, wild plants that have adapted to their natural surroundings, and don’t need you to help them grow, so you’ll need to get a handle on them quickly! Let’s look at seven common weeds, and how you can keep them from sabotaging your hard work! 

• Your garden will benefit from a Fall-planting of clover, as it provides nitrogen to the soil. but most homeowners don’t want it in their landscaped lawn.  Mowing high over the plant will help it from reseeding but pulling them while they’re young is the best preventive. 
• Crabgrass is a bane to many lawns, and it grows quickly once the rain hits the seeds.  Pulling the roots is the easiest way to remove the plant, and even easier if the soil around it is damp. 
• If you don’t care to add dandelions to your diet (yes, they are edible!), you’ll need to get them at the roots. Spray them with undiluted white vinegar until they’re thoroughly wet, and they will die within a few hours. 

• Ground ivy, or creeping Charlie, is another weed that can be pulled effectively from wet soil.  If you allow it to flower, make sure it doesn’t go to seed, or you’ll spend more time pulling new plants. 
• Oxalis, or wood sorrel, has leaves that are almost clover-like, and purple or yellow blooms.  Catch it early, and it can be pulled up by the roots, or use a soap-based herbicide to kill larger plants. 
• A plant that has been cultivated in many hybrids, portulaca, can also be an aggressive weed.  Once you’ve dug them up, allow them to dry before you dispose them in a compost pile or other yard waste.  They easily regenerate from any part of the plant. 
• The thin, strong-scented single leaves that shoot up in our lawns are wild garlic. Mowing won’t stop them, as they’re sprouting from corms in the soil. Pull or dig them up, and make sure you have the whole corm to avoid new growth. 

To avoid a lot of back-breaking weeding, mulch heavily in flower beds, and consider putting new plantings close together.  Some weeds are so well-adapted that it doesn’t matter what you do.  Garden.org has an extensive list of weeds with photos and ideas for controlling them without a lot of chemical intervention. 

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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Advertisements for full-house generators make you wonder if you really should invest in one, despite the high cost.  Having your home in full power during an emergency would be a comfort, but are they worth it?  There are less costly options out there, but only you can decide what’s best for your home and family. 

Portable Power 

• Portable generators are great for providing electricity to essentials:  lamps, refrigerators, freezers, fans or plug-in heaters. 
• Most are fueled by gasoline, and the tank must be filled as it runs, so there is a bit of labor involved.   

• The engines on portable generators are noisy (think lawn mower noise).   
• Generators that run via a solar panel are available, and the technology is getting better, but the initial cost is higher.  Keep in mind that you’ll save on fuel expenses in the end. 
• Prices vary with how many kilowatts you’ll need, and your budget should include enough for appropriate extension cords for each device you plan on connecting to the generator. 

Stand-By Energy 

• In order to provide power to everything in the house, including HVAC, a stand-by whole house generator is the best choice, as it will be connected to your home’s electrical system. 
• A stand-by system can be fueled with natural gas, propane or diesel fuel.  These types of units run more quietly than the portables and are fuel efficient. 
• Whole house units will cost the most, as they are ready to go almost the instant you lose utility power, require professional installation, and possibly local permits.   
• Installation should be done by a certified electrician, and some offer a package deal that includes the unit and installation in one price. 

Whatever type of generator you choose, get the size and type of generator that meets your needs, not exceeds them. There’s no need to waste money!  If you’re unsure of  just how much energy you’ll need, ask-the-electrician.com has some helpful information as well as a sizing  calculator.  Though you’ll only need it during emergencies, you want to know that you’ve made the right choice for your home, your needs, and your wallet. 

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 loss of a job, divorce, a medical emergency or death of a family member can put homeowners in a financial bind.  You worked hard to buy your house and make it your family’s home.  Don’t let it get to the point of having the bank begin foreclosure proceedings!  Here are some tips to help you save your home: 

• First and foremost: call the bank before you begin missing payments!  If you have equity in your home, this is especially important. Once payments are late, or the lender has filed a notice of default, they will be reluctant or unable to work with you.  
• Several agencies offer free credit counseling and can direct you to someone who can assist you with getting those finances in order.  The HUD website can put you in touch with a local counselor, or find helpful foreclosure information through the National Foundation for Credit Counseling®. 
• Keeping your mortgage payments current is more important than paying credit card bills!  Sure, late credit card payments will affect your credit score, but a foreclosure will do far more damage to your rating.  Once you get caught up with the house payments, pay off the credit cards as soon as possible. 

• Do you have any assets you can sell?  Letting go of expensive items that you’re not really taking the time to enjoy–a boat, for instance–can certainly cut monthly expenses, and any proceeds can go to your loan. 
• In case you’ve already gotten behind, open every piece of mail that comes from your lender.  Many times, they’ll offer options as soon as the first payment is overdue, because they don’t want to foreclose on your loan as much as you don’t want to go into foreclosure. 
• Resist any “quick-fix” offers you see on the internet, television commercials and junk mail, or even from so-called investors.  These “rescue mortgages” could be a scam and will cost you your home faster than a foreclosure can take place. 
• If you see that you can simply no longer afford your home, get advice from an attorney whose specialty is foreclosure, as most will do a one-time consult at no cost.  You may also contact Legal Aid for a pro bono lawyer if you can’t afford it.   

Don’t be embarrassed about reaching out to your mortgage company and letting them know you’re going through a rough patch.  Being proactive before the installments become overdue will allow more options to be available.  Your house is your most important investment, and its home.  Do what you have to in order to keep it. 

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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Homeowners know that to-do lists are almost always too long, but what about don’t-do lists? Whether you’re a first-time homeowner or have been in your home for ten years, here are a few things you shouldn’t be doing: 

• Testing the smoke detectors incorrectly:  sure, the battery needs to be checked, but so does the smoke detection.  Light a match, preferably a kitchen match, and blow it out, holding it next to the detector.  If the alarm sounds, great; if not, replace the battery.  You may need a new smoke alarm. 
• Using incandescent light bulbs:  LED and fluorescent light bulb technology is getting better aesthetically speaking, so the extra cost to replace your incandescent bulb will make up for itself in the end.  You won’t be buying new ones for at least one year, plus your energy costs will decrease. 
• Keeping the old thermostat:  replace it with a programmable, or even better, a smart thermostat.  You will notice a difference in your electric bill! 

• Not checking gutter guards:  gutter guards are great for keeping leaves, larger twigs or pine straw from clogging the gutters, but dirt, seeds, as well as other smaller materials can still get in and cause problems.  Check your gutters at least every six months. 
• Ignoring your roof:  just because you’re not seeing it up close and personal every day, doesn’t mean it doesn’t need inspecting occasionally.  Learn more about how to be kind to your roof here. 
• Setting the mower to the lowest cut:  cutting your grass too far down can cause it to die.  It will not keep you from mowing less!  Cutting the grass 1-3 inches in length will keep it beautifully green. 
• Planting trees close to the house:  small trees that can reach thirty feet in height should be planted ten feet or more away from your house, while taller trees need to be at least thirty feet away. 
• Watering the landscaping in the evening:  your way to relax after a long day may be gardening but giving your plants a drink in the evening can cause mildew and other fungi to grow.   

Keeping these don’t-do’s in mind will help you save money, besides keep your home safe and in good living condition!  Also think of it as less to do, thus freeing up your time to enjoy being home with your family. 

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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Making the decision to renovate any room in your home comes after a lot of thought and planning, but don’t forget that changes in your home can create changes in your homeowner’s insurance.  Whether the renovations lower or increase the payment depends on the job, so we’re going to look at how a remodel can affect your wallet: 

• Additions:  Whenever you add square footage to your home, your policy will need to be upgraded, likely increasing your premium. 
• Converted Space:  Turning your garage into a home theater or creating a master suite from your attic space may not require changes to the policy if the square footage is already covered, but as replacement value has changed, you will want to increase your coverage. 
• Home System Upgrades: Improving electrical and plumbing systems can lower your premiums, as upgrading them can make your home safer from incidents relating to fire and leaky pipes. 

• Pools:  Installing a pool or hot tub in your backyard will add to the replacement value of your home, and you’ll need to increase liability coverage to protect yourself in case of any accidents, 
• Roofing:  A new roof can lower your premium, especially if you upgrade it to the latest standards of protecting your home from natural disasters. 
• Security Systems:  According to Safewise, adding a home security system could lower your homeowners premium by 20%.   
• Solar Panels:  You will want to talk to your insurance agent before installing solar panels to your home.  They may require a separate policy, depending on how they are mounted, which would add to your budget.  
• Upgrades:  Whether you use top-quality building materials for your renovation, upgrade the finishes in your home, or install state-of-the-art appliances in the kitchen, you’ll need to change your policy to reflect the replacement value. 

Making changes to your home improve your quality of life in many ways, but it may come at a cost.  Protecting your investment is worth it in the end, but you want to be prepared for anything that will add to your monthly budget. Schedule a meeting with your insurance agent before beginning any major changes in your home so you won’t be surprised when your payment increases. 

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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