Your November 2019 edition of Teri’s CyberTips is now available!

Highlights of this month’s edition are:

• Send Your Email Anonymously!
• Find Out If They Blocked Your Number!
• You May Not Want To Know This!
• How Bias Is That News Report?

Click here for the full scoop on these great tips!

Happy Reading!

Put 4 Million Homes in the Palm of your Hand! Download Orlando Kissimmee Real Estate, LLC – Teri Isner’s mobile app here: http://app.kw.com/KW28G1031

While you’re on the house hunt, every property you see just might be “the one.”  It’s a good idea to learn the different aspects of buying a house before you get into them.  Many discover that after they’ve made an offer of purchase, the process isn’t exactly as they’d envisioned! You’ll feel confident when you get to this step by following this guide: 

• The offer itself isn’t just a price you’re willing to pay for the property; closing date, closing cost contribution, contingencies, or the earnest money deposit are all things that are normally included when the offer is submitted to the seller. 
• Talk with your agent before you come to your initial price, because you don’t want to insult the seller with a very low offer, nor do you want to pay too much for the house. 
• Although you won’t always get a complete answer, knowing why the house is on the market can give you some leverage, so ask anyway. Some sellers are in a time crunch and are eager to sell and may take your first offer. 

• Keep in mind that there are legal aspects to writing a proposal.  Your Realtor will know all the aspects of this part of the process and will take you through each step. 
• It is very likely that the seller won’t accept your price if it’s less than what they’re asking.  If they want to sell and have no higher offers, they may choose to send a counteroffer.  The counteroffer step is nothing to worry about, if the negotiations are getting you somewhere.   
• Some sellers will counteroffer with their original asking price.  If this happens, you may have to walk away, as they have shown they’re not interested in moving away from what they want for the property, 
• Don’t forget that you may not be the only buyers interested in the home!  Realtor.com® offers some advice on how sellers might handle multiple offers and some ideas on how to make your offer stand out. 

When your offer is accepted, it’s exciting, but there is still work to do!  Hopefully, you have pre-approval for a mortgage, making the buying process a much smoother one.  There are added costs associated with buying a home, so be sure you have your finances in order.  

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: homes.com

Laundry.  For some, the word causes some dread, for others, it’s just another job, and for the rest–well, it seems as if they went to a laundry boot camp!  With so many different washers and products available, it’s easy to think that the machine will take care of everything, but that’s not always the case.  Are you making any of these mistakes? 

• Load size is important when you’re choosing your wash cycle and amount of detergent.  Too many clothes and they won’t get clean and adding too much detergent can cause the clothes to have more stains and residue.  The Spruce tells you how to figure out how much laundry your washer tub can hold. 
• HE machines are just that–high efficiency.  They use less water and energy, but too much detergent can cause the machine to sense the extra suds and begin a second rinse cycle.  That’s not very efficient. 
• Using fabric softener for all types of clothing isn’t necessary.  Athletic wear doesn’t benefit from the agents in the softener and defeats the purpose of moisture-wicking fibers.  Hang those to dry.  Towels will be just as soft without softener and dried in the dryer.   

• Letting stains dry is never a good idea.  Sure, we have powerful stain-fighters easily accessible, but not every stain comes out.  The American Cleaning Institute Stain Removal Guide has a solution for almost every stain under the sun! 
• Hand washing labels are there for a reason:  those items need gentle treatment. If you don’t have time to soak and swish those pieces in the sink, use a garment bag and the delicate cycle on your machine, and air or hang to dry. 
• Leaving zippers down can cause distress to the zipper and break them.  On the other hand, washing a shirt left buttoned up is more likely to lose those buttons because of the pull on the fabric. 
• Extra bleach sounds like a great idea when items are especially dirty, but it will cause the fabric to yellow and break down much faster.  Use the recommended amount on the bottle. 
• The high heat setting should not be your default drying cycle.  Save that cycle for towels and whites.  Clothes may take longer on the low heat cycle, but the lower temperature helps save your clothes from fading and shrinkage. 

Don’t forget to keep your dryer running smoothly by cleaning the lint screen after every load you dry.  Change your way of thinking about doing laundry–instead of a job, it’s a process!  It may add a few minutes to this chore, but you’ll benefit in longer-lasting clothes and less energy use, saving money in the end. 

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: homestructions

The Windermere Real Estate Market Trends Report shows the average sales price was $535,664 in September 2019 compared to $556,006 in September 2018. Homes were on the market for an average of 59 days, compared to 52 last year. Homes sold for 98% 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.

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

The Kissimmee Real Estate Market Trends Report for 34741 shows 37 homes sold in September 2019 up from 30 in September 2018. The average sales price was $214,900 compared to $201,242 in September 2018 and homes were on the market an average of 37 days, up from 35 days in September 2018.

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!

The Celebration Real Estate Market Trends Report for 34747 shows 135 homes sold in September 2019 compared to 126 in September 2018. The average sales price was $327,524 compared to $306,037 in September 2018 and homes were on the market an average of 58 days, compared to 104 days in September 2018.

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!

There are practical uses for credit cards, such as rewards points, cash back on purchases, and airline miles to name a few.  Having a credit card can also have drawbacks if you’re not responsible with that piece of plastic.  Read on to see if you’re making any of these mistakes… 

• Paying the minimum payment every month keeps your credit score in check, but the interest added to the balance can make a negative impact on your credit.  Pay as much as you can afford over the minimum billed amount, or, better yet, pay off the balance each month. 
• Late payments not only damage your credit, but if you’re sending it late every month, the late fees and interest on the balance will max that credit card out, and it could take years to pay it off.  Set up an auto-pay plan or mail your payment a week in advance of the due date. 
• Spending just to receive rewards is a good way to get you into credit trouble!  Sure, those rewards are great, but they’re usually a small percentage of your purchases.  The added interest will be far more than any rewards you’re seeking and will cost much more in the end. 

• Cash advances may seem like help, but the interest on them starts as soon as that money is in your hand, and there are usually extra fees involved.  Cash advances are essentially cash loans and are treated as such.  Beware of “convenience” checks your card company offers to you because they are cash advances in disguise. 
• Maxing out your balance, or worse, spending over your credit limit, is a good way to reduce your credit score.  The over-balance fees are tremendous, and not having any available credit left on the card will affect the credit utilization ratio. 
• Tossing your statement without reading it can cause you to miss important announcements from the company, as well as fraudulent activity, or changes in your minimum payment due. 
• Using your credit card at the grocery store or to pay utility bills will help in an urgent situation, but only if you can pay the full balance at the end of the month.  If you’re using a credit card for everyday purchases, it’s time to get your finances under control. 

Don’t let mistakes cost you money and a good credit rating!  Keep your balance less than 30% of your credit limit, maintain a manageable monthly payment, and your credit report will benefit.  Credit cards are good tools to use to build credit or keep your score high, but only if used wisely. 

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: thebalance.com

Your October 2019 edition of Teri’s CyberTips is now available!

Highlights of this month’s edition are:

• Hide Your Called ID Whenever You Want!
• Shoo Jerk Calls Away From Your Cell Phone!
• Stuff (You Already Have) To The Rescue!
• The Do-All And End-All Repair Guide!

Click here for the full scoop on these great tips!

Happy Reading!

Put 4 Million Homes in the Palm of your Hand! Download Orlando Kissimmee Real Estate, LLC – Teri Isner’s mobile app here: http://app.kw.com/KW28G1031

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.

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

Photo credit: veryanxiousmommy.com

While looking through real estate listings, you might be curious when you see a property up for auction or one that is “real estate owned,” and wonder if the price is too good to be true.  There is a process of buying a foreclosure house, and you need to prepare yourself, so read on for some pointers on what’s involved before you make your decision: 

• A “Bank-Owned Home” is just that:  the owner stopped making payments, and the lender is in the process of auctioning the home to try and recover the money they loaned.  Houses that are “Real Estate Owned” mean that the bank’s auction didn’t result in a sale and is being sold through a real estate agent. 
• Vacant homes can have all sorts of issues: mold, vandalism, pest issues, stolen copper piping, and neglected landscaping are just a few.  Before you make a bid, go and see the home for yourself, and decide if you can afford the sale price plus the cost of repairs. 
• Hire an inspector to go to the house with you so you’ll have an idea of exactly what needs to be done.  You don’t want to underestimate renovation costs. 

• When considering the asking price, and you have taken steps to get a contractor bid on all the rehab, use this formula to calculate your offer:  80% of the appraised value minus the cost of repairs. 
• Investing in a foreclosure as a rental will require less trendy but rugged materials and flipping to resell might be more expensive (and more headache!).  Moving into the home yourself can keep initial costs in check if you’re willing to do what’s necessary before moving in and holding off on upgrades. 
• Some foreclosure purchases must be made in cash, and that can put investors at an advantage.  In case cash isn’t a requirement for the purchase, have proof of pre-approval from your lender when you make your offer. 

Whatever your reason for your interest in buying a foreclosed home, make sure you do your research, and talk to your bank as well as an experienced REALTOR®.  Search for foreclosures by locality and beware of anyone offering to sell “their property” that is in foreclosure.  Con artists are smart enough to find vacant properties to pass off as their own, sell them, and take the money and run. Educating yourself on the foreclosure purchase process will make for a smoother process, less stress, and hopefully an investment that will pay off for you! 

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: socalhomebuyers.com