In 2007, Congress passed an energy act that required new energy-efficient standards for basic light bulbs. Standard incandescent bulbs are being phased out and eventually will be unavailable.

The alternative bulbs differ considerably in price. LED bulbs are the most efficient but they also cost the most. CFLs are a less expensive alternative.  Interestingly, the more expensive replacements offer lower operating costs and longer economic life.

One approach will be to inventory the different types and quantities of light bulbs you need in your home. Then, research either online or a big box store to find out what each type of bulb costs. This information will give you a total budget for converting your lighting.

It could be a significant expense to replace all the bulbs in a home at one time, especially when most of the bulbs still work. That’s where a plan might make sense.

Replace the bulbs in the rooms where the lights are used the most such as kitchen, family rooms and bathrooms. There may be other “rooms” where the lights are used frequently like certain hallways or stairs. Outside flood lights for security purposes may be a large energy consumption.

Bulbs can vary in light output measured in lumens as well as color of light from warm white to bright white and daylight. The lighting label required by the Federal Trade Commission on all packaging will help you determine which will give you the most bang for your buck.

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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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Whether you are planning on selling your home or just want to spruce it up a bit, the kitchen is the main attraction and heart of your home.  You don’t have to do an expensive remodel to improve the space! Here are a few tips to get your kitchen looking great and up-to-date. 

• Cabinets are on prominent display in your kitchen, and should look great.  Clean them up and give them a coat of primer and paint.  White, as well as neutrals like grey or taupe, gives a clean look and brightens up the space, and all work well with pops of color around the kitchen. Darker colors work best in large kitchens, and bright colors can be the star against neutral wall colors and decor. Click here for more cabinet painting tips from HGTV. 
• Refurbish with new cabinet doors.  This can be a little more expensive, but not as costly as replacing all of the cabinetry. You can even ditch the doors and use open shelving for a modern, clean feel. 
• Change out the hardware on drawers and cabinets.  Have an idea of what you want before you go to a home store to purchase the pieces, because there are so many choices available.  Classic styles are best if you plan on putting your home on the market. 
• Not only would it protect walls from liquids and grease, but adding a tile backsplash gives a whole new look to your kitchen. Thanks to advances made in peel-and-stick technology, double adhesive mats are strong enough for tile, and you can do this yourself with very little tile installation knowledge. This video from Ask This Old House shows step-by-step how to use this improved material and save time and money while updating your kitchen. 
• Give your sink a makeover simply by replacing the faucet and the handles. 
• Countertops dated and unattractive? Replacing them doesn’t have to be a big expense; some laminates look like the real thing and cost much less.  Styles include look-alike marble and faux granite.   
• Add a dash of style to cabinets with glass doors by papering the inside of the cabinet. Con-Tact© paper or any self-adhesive shelf liner is perfect for this small project.  Amazon carries many designs to choose from.  
• Installing a new light fixture can make a big difference in your kitchen, and doesn’t have to break the bank.  Look in thrift stores, consignment shops, or yard sales, and give an old fixture a facelift with some spray paint! If you’re unsure about installation, call an electrician or handy person to change the old to the new. 

If you decide to make just one change, or several, make a budget, stick to it, and stretch the makeover out over a few months so you don’t overspend.  For potential buyers to come in and see a clean, new-looking kitchen, or simply having your family and friends spend more time in the refurbished space, a simple update can make a big impact. 

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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Photo credit: bankrate.com

With energy costs on the rise, it is essential for a homeowner to stay on top of all they can in order reduce their heating and utility bills during the cold Winter months. Here are some things consumers can do on their own at little or no cost to keep money in their pockets every month.  

• Check windows and doors for drafts. Seal spaces with caulk or weather stripping.  
• Look at all of the utility-entry places around the outside of your home, and fill around pipes with insulation or cement, if practical.  
• Close the foundation/crawlspace vents as soon as temps get colder than 40°. This helps protect water pipes from freezing as well.  
• Go into the attic and inspect your insulation, or consider adding insulation if you haven’t taken that step. This can cut your energy costs and pay for itself in a few years. 
• Check ductwork for places where it may have come apart and repair—this job may be better for a service person to undertake. 
• The sun can be used to help keep the house warm by simply keeping curtains on the south side of your home open during the day. 
• Hanging thicker panels or thermal curtains can help insulate around windows as well.  If you don’t want to change curtains, easy-to-install cellular shades allow light to shine through while insulating your windows.   
• Plastic sheeting is inexpensive and easy to install on drafty windows or unused patio doors, and just as easy to remove when Spring arrives. Kits are available at hardware and home improvement stores. 
• Have your furnace serviced before it’s time to use it, and replace your filters once a month.  
• Close the damper in the fireplace when you’re not using it.  
• Install a programmable thermostat–if heating with a heat pump, make sure the thermostat is the type specifically for heat pumps.  Program the thermostat for the lowest temperature setting that your family is comfortable while at home, preferably in the 60° range. Turning it down 10°-15° at night and using an extra blanket will calculate to big savings on your energy use and costs.  
• Using a humidifier is not only healthier, it can cut down on heating costs. The more moisture there is in the air, the warmer you feel.  
• If you use ceiling fans, make sure they’re turning clockwise on low speed to pull up cool air, and circulate the warm air that collects near the ceiling.  
• Thinking about changing your home’s heat source? Do it before the cold weather sets in.  Check out the many different products available to help you make this decision. 

The Department of Energy states that simply turning down the thermostat is the number one money-saver. For every degree it’s lowered, consumers save approximately 3% on heating costs.  Lowering the temperature may mean wearing a sweater and socks inside, but the money you can save outweighs the bulky clothes.  

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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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Photo credit: BMS Electrical 

The Mortgage Debt Forgiveness Act, originally passed in 2007, was extended three times to protect homeowners from paying income tax on debt that was relieved due to foreclosure, short sales or deed in lieu of foreclosure.  

The law expired on December 31, 2016 and unless it is extended again, homeowners with debt relief in 2017 may be subject to tax.

A homeowner might feel a sense of relief without the obligation of a delinquent mortgage but just because the payments are no longer due doesn’t mean that there isn’t another obligation that replaces it. If a lender cancels or forgives debt, a taxpayer must include the cancelled amount in their income for tax purposes depending on the circumstances. The tax significance could be serious.

This previously allowed relief only applied to a taxpayers’ acquisition indebtedness of their principal residence which did not include second homes and investment property. The maximum amount was limited to $2 million of mortgage debt forgiveness or $1 million if filing separately.

Due to the serious consequences involved in short sales and foreclosures, it is advised that homeowners faced with this possibility should seek expert advice from their legal and tax professionals.

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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If finances are tight, but you’re ready to give your home a new look, paint is the budget-friendly way to go.  Making it a DIY project is even more cost-effective, and with so many options and ways to add color to your walls, you need some guidance so it will look like it was done by a pro. 

Which Paint and What Finish? 

• Latex paint is best for walls, and oil paint is perfect for wood trim, because it seals stains.  Oil paint takes longer to dry, and has a strong odor, but if you add a tablespoon of vanilla extract per gallon, and open the windows, it helps keep the odor in check.  
• Flat paint goes on easily, but doesn’t clean easily; glossy paint is great for cleaning, and comes in semi-gloss, and satin, but doesn’t cover wall imperfections. For a nice compromise, an eggshell finish is somewhat flat, but easy to clean. 

Choose Your Color 

• Choose a color for the room/s you’re updating, and don’t be afraid of using a bold color.  This adds character and some wow factor to your home. Neutrals are great for quick-change decorating, or if you’re thinking of selling soon. 
• Using pint-can paint samples, apply a 2×2 foot area of each color on the wall you’re planning to paint, allow to dry for 24 hours, and look at them at different times of the day.  You’ll get a more accurate feel for the color in the different lights, and whether you can live with it or not. 
• Don’t forget the ceiling! You can change the feel of the room’s height by going a shade darker (for a lower ceiling feel), or go a shade lighter or use a lighter color to give the illusion of a higher ceiling. 

Painting Prep 

• Measure your room for square footage, and make sure you buy enough paint–about one gallon per 400 square feet. 
• Purchase good painter’s tape, drop cloths, putty, a good putty knife, caulking, and any tools you may need for removing hardware from any doors or walls. 
• Protect light fixtures, trim, or wall sconces with painter’s tape.  Move furniture and put down drop cloths. Use wall putty or caulking to fill and smooth any holes or other wall damage. 
• Clean, sand, and dust walls, using a vacuum to make sure all of the dust is off the walls. 
• Priming the walls is really important if you’re covering a dark color, if there are stains on the walls, or if you’re painting paneling or new sheetrock. Tint the primer with a little of your new wall color before applying. 

Start Painting 

• Paint mixing isn’t 100% perfect. Professionals mix all of the gallon cans together in a five-gallon bucket for color uniformity.   
• Paint in corners and close to the ceiling with a good brush before you paint the walls, working your way down to catch drips. This process is called “cutting in.” 
• Working in an overlapping W-pattern, apply paint until you need to reload the roller.  If you notice paint drying quickly, work in 3-4 foot sections of wall, but a whole wall can be accomplished in the case of a slower drying process. 
• Smoothing the paint is important and is done by using what paint is left on the roller to paint as close to the ceiling and corners as possible, where you’ve already cut in. This gives a smooth appearance to the finish. 
• Clean your equipment as soon as painting is done:  latex paint can be washed off with dish detergent and warm water, but oil paint should be cleaned off with paint thinner.  
• Once the paint is dry, after about 24 hours, move your furniture back in, but hold off hanging anything on the walls for a few days, and don’t wash them until the paint has cured, usually two weeks to thirty days. 

A newly painted room can make your home feel fresh, and make it look as if you’ve redecorated.  If you’re feeling really adventurous, try painting a pattern on your wall.  It may take more time, but the dramatic effect it makes in the room makes the wall a focal point in itself. diy Network has some great tips for a patterned accent wall: http://www.diynetwork.com/how-to/skills-and-know-how/painting/how-to-paint-stripes-chevrons-blocks-and-more 

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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We normally associate pests and insects with Summer time, but now is a good time to think about what you can do to prevent creepy crawlers coming in to your home. It’s a simple matter of checking the outside as well as the inside, and staying ahead of them. 

Exterior 

• When you mulch plants, keep it from piling up against the house’s foundation. Insects can use the mulch for overwintering, but if you could add a border of rock or stone between the mulch and the house, or even use cedar mulch, it would discourage pests. 
• Inspect your foundation carefully for cracks or holes, as well as places where utility pipes and wires enter your home.  Cover or fill them with wire screen mesh, cement, or metal flashing. 
• Outside lights, when left on, draw flying insects, but if you can change the bulbs from incandescent to halogen, they are less attracted to the glow.  
• Check doors and windows for openings, and seal them with caulking or weatherstripping, and repair any holes in your screens. 
• Keep trash cans and surrounding areas clean, and make sure lids fit tight. Recyclables should be rinsed well, and container lids put back on before tossing them in the recycle bin. 
• If you have anything that can retain water, empty it as often as possible, and use a larvicide in your landscape’s water features.   
• If you use firewood, store it away from your home, at least thirty feet. 
• Gutters should be cleaned periodically, not only for their efficiency, but to help keep pests from making a home in the debris. 

Interior 

• The most important pest prevention tip for the inside of your home is cleanliness.  Keep crumbs off the counters and floors, clean food messes immediately, and keep food consumption limited to the kitchen. Wash up dishes before going to bed at night.  
• Storing open food in plastic containers with lids or plastic storage bags will lessen the chances of pests finding it. 
• Check stored grains, (flour, sugar, cornmeal), often, and discard it as soon as the expiration date passes.  Storing these in a sealed container is best. 
• Pet food is best kept in a storage container with a tight-fitting lid. 
• Keep inside garbage in a trash can fitted with a bag, and keep the lid closed. Remove the bag to the outside can as soon as it’s full. 
• Vacuum carpets frequently, especially if you have pets.  They can bring in little hitch hikers when they come in from being outdoors. 
• Inspect all baseboards, and replace or repair them if they’re broken, and walls should be checked for holes, and repaired as soon as possible. 

If you see pests in or out of your home, it’s best to call a professional to address the problem, and do it quickly so you don’t suffer an infestation.  Once you know you’re clear of bugs, it only takes a few minutes each week to keep them from feeling at home in your 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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Moving into a new home means looking for the right touch for the blank walls.  Artwork or family photos are the perfect fillers for these spaces, and hanging them can be a task.  Let’s look at some practical rules and tips for making those plain spaces come to life. 

Single Frames 

• Pick your space, picture to hang, and gather measuring tool, chalk or pencil, level, hammer and nails or screwdriver and screws. Picture-hanging kits can be purchased at hardware and home stores as well. 
• If the place you’ve chosen doesn’t have a stud for a nail, it is best to use an anchor and screw hanger.  These are inexpensive, and can be found in any hardware store.  Follow the easy instructions for installation for a strong mount for the picture. 
• Measure up to approximately 57” on the wall; this is where the center of your picture should be–average eye height. The top of the frame will obviously be higher. 
• Hold the frame up to the wall and use a pencil or some chalk to mark the approximate place for the nail/anchor screw. 
• Install the hardware you’ve chosen, and hang the frame. 
• Sometimes the frame doesn’t want to hang level.  Use self-stick rubber dots on the back corners of the frame; these will hold it in place, and protect the wall from damage. 

Gallery Walls 

• If you’re creating a gallery wall using several pieces, and include family snapshot photos, children’s artwork, art prints, and even fine art. 
• Create a clean, modern look by using the same style and color frames, same color palette, or same theme. 
• Use the largest picture for a focal point. Hang it first, using the 57” on-center idea. 
• Make templates of your artwork with newspaper.  Lay your pictures down on the paper, and trace around the edge. Cut the templates out. 
• Place the templates on the floor, or on the wall with masking tape, in any formation you like, changing the arrangement until it looks like a well-fitted puzzle. 
• Not all large pieces need to be in the center; a pleasing arrangement would have the focal point hanging to the left of your display, with smaller frames hung on the right.  
• Once you are satisfied with your mock-up gallery, hang the pictures using the first four tips. 

Bonus Display Tips 

• Renters or anyone who doesn’t want to bother with hammer and nails can use removeable sticky strips for framed pieces.  3M Command Strips are perfect for this easy display idea. 
• Use an art ledge for an easy display. These can be purchased at home stores and painted or stained to suit your style.  Attach to the wall at the 57” level, or 12” above the furniture, and place your pictures and artwork on them–no other hardware needed! 
• There are a multitude of free printables–seasonal and inspirational quotes–available on the internet.  Keep one or two spaces on your walls for a quick-change whenever you feel the need. 

No matter your decorating style, hanging framed items has a few rules that you should follow for aesthetics’ sake, but choosing what to display and how many is a personal decision.  Make your home your own by showing off what you love most, making the statement with your framed decorations. 

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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TurfMutt, the official spokes dog for the Outdoor Power Equipment Institute, knows that fall is the time to get the family yard prepped for spring. He encourages homeowners to do these four tasks this fall so they can have a fabulous family yard next spring. Homeowners who plan to put their home on the market in the spring will find these fall actions will spruce up their yard for spring.

Mulch your leaves — instead of raking and bagging them is good for the family yard and the environment. As leaves decompose, they feed your lawn.

Keep cutting your grass until the first frost— mowing at about 2-3” keeps your family lawn healthy when it turns cold.

Aerate in the fall — this ensures water, oxygen and nutrients can get to the grass roots in your family yard.

Install smart controllers on irrigation systems to help conserve water – your family yard needs about an inch of water per week, even during the fall.

We hope you will consider sharing the infographic “Family Yard Fall To-Dos” with your readers and followers.

For more information about our living landscapes and the family yard visit www.savelivinglandscapes.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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Replacing your shower curtain is a quick, fairly inexpensive way to spruce up your bathroom.  You may not realize just how many different types there are until you begin looking but there are quite a few types to choose from.  Below is a list of a few different ones, along with the pros and cons of each.

1. The typical shower curtain  many people have in their homes is made of vinyl.  Vinyl is good because it is very easy to clean as well as inexpensive.  There are usually tons of variations to choose from at your local department store so you are sure to find one that shows your style.  Clean up for the vinyl shower curtain is easy because all you need to do is toss it in the washing machine, then air dry it.  The cons to having one is that are not quite as expensive looking as other kinds of curtains which can sometimes make your bathroom look a bit outdated as a result.  They don’t last as long as other types because they can easily rip throughout the wear of daily use.
2. Another one you may want to take a look at is the cotton blend. The pros of these are they tend to make your bathroom feel cozy.  They also come in a wide array of colors and patterns.  They also tend to last for a good many years.  The cons to this blend are that they need frequent laundering to keep from having a buildup of mold.  Also they can be a bit more costly.
3. Silk or satin may cost quite a bit more but these types of fabrics can go a long way toward making your bathroom look fancy. The only con to this type of fabric besides the price is that it is not water resistant and will require dry cleaning.
4. Hemp fabric is another option but typically this material doesn’t come in as many color choices as do all the others. It is however a very environmentally friendly choice.

Now that you have read of a few different choices you have concerning shower curtains you may be more able to make a wise decision on which one works best for you and your style.

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 you have decided you want to buy land to build on instead of buying an already built home, there are a few things you need to consider first.  The biggest thing you need to consider before buying land is whether you want to live in the country or the city.  Do you want acreage or do you want neighbors, or perhaps both?  Below are a few tips for buying land that may be of some help to you.

1.  If cost is important to you then you may want to purchase land  out in the country instead of the city.  The price for buying a spot of land in the city is a lot more expensive and the size of the land will be much smaller as well.  If you like to have your space then buying a lot of land out in the country may be just the thing for you.
2. Once you have decided where you want to live, city vs. country you then will need to go to the land you are considering and look around.  Look up and see what there is to see.  Do you see a lot of cars passing by or do you see a school close by or a factory?  All of these things can become issues for you when buying a piece of land so be sure to pay attention to all of your senses when on the land, sights and smells.
3. Find out what the zoning requirements are on the land you want to build on.  You may have plans to build a small home on your land when the zoning requirements are that you build a house that is at least 2,000 square feet.
4. Pay attention to how close the land you want is to water.  Are there any flooding problems?  Have there been problems in the past?  These are things you need to think about.
5. You also need to find out about the water quality on any land you are considering purchasing.  Find out if the water is pure or if you will need to purchase a water filtration system for your home once you build.  These types of things can be costly so be careful to ask as many questions as you need to get the answers you need.

Hiring a Real Estate agent to help you find land to purchase  is the best thing you can do because they already know all of these tips and can help lead you in the direction that is best for you and 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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