The last thing you want if you’re traveling these holidays is to worry about someone burglarizing your home. Use this check list to add some peace of mind while you’re out of town.

• Ask a trusted friend – to pick up mail, newspaper and keep yard picked up to avoid an appearance of being empty.
• Consider discontinuing your mail (USPS Hold Mail Service)
• Don’t post about your trip on Facebook and other social media until you return – some burglars actually look for this type of announcement to schedule their activities.
• Do notify police or neighborhood watch – especially if you’re going to be gone for more than just a few days. Let your monitoring service know when you’ll be gone and if someone will be checking on your home for you.
• Light timers make it look like someone is home – use several sets for different times to better simulate someone being at home.
• Do unplug certain appliances – TV, computers, toaster ovens that use electricity even when they’re off and to protect them from power surges.
• Don’t hide a key – burglars know exactly where to look for your key and it only takes them a moment to check under the mat, above the door, in the flower pot or in a fake rock.

These easy-to-handle suggestions may protect your belongings while you’re gone while adding a level of serenity to your trip

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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Not only does it seem like we have new gadgets for communication being released on a daily basis, but smart home technology is advancing by leaps and bounds. Don’t let all of the available devices overwhelm you when you’re shopping around.  Follow this guide for tips to help you get started on your smart home journey. 

• Smart thermostats are the perfect way to get your feet wet for advanced technology in your home.  They control your heat and air more efficiently by using presence sensors, and can save 10-15% on your power bill. Nest has two versions available, and prices vary $179-$250. Check with your power company to see if they offer a rebate on your new smart thermostat purchase. 
• Keyless entry isn’t just for your car anymore.  Smart locks are available for your entryways with mobile and desktop apps, so you can control them, and using fingerprint and voice recognition for opening doors.  Prices vary greatly, and the choices are numerous. PCMag has made a list of the best smart locks of 2017 that can help you comparison shop. 
• Home security systems have been around for eons, and the older brands have someone monitoring your system for you, and you pay a subscription fee.  Today there are DIY security kits that will connect to your home smart system, and will alert your mobile phone app if there is a breach, but it’s your responsibility to contact authorities.  
• Sometimes a simple security camera can give you peace of mind, and cameras are now available with motion and heat sensors so that they only turn on when you have chosen those sensor settings.  These cameras have WIFI connectability, and you can use your PC or laptop to check the daily camera video. 
• If you don’t care for a whole-house lighting control system, there are smart light bulbs controllable via Bluetooth, but that means they cannot be controlled from outside the home, or if you’re out of range.  These bulbs can cost $50, but will last for twenty years. 
• Home voice-activated assistants are becoming more popular, as well as less expensive. Apple’s Siri, Google Home, and Amazon’s Echo all have different features, but perform the same way by with voice activation. Get advice from friends and the internet before you decide which assistant is right for you and your family. 
• Water leak and mold sensors are a very important gadget to add to your smart system.  They sense water leaks, and humidity and temperature changes in your home and can save you a bundle on water or mold damage repair. 
• No more checking smoke alarm batteries every six months–smart smoke alarms are hardwired, have built in carbon monoxide detectors, and can be controlled from your mobile phone.  Some detectors even have sensibility settings, so they know the difference in a lot of smoke and your bacon getting a bit too done. 
• Turn practically anything into a smart object with a smart plug. Once it’s plugged in to the object and connected to WIFI, you can control that object with your phone, or a home assistant.   

If you have technical or more specific questions about smart products, see this article from the National Association of REALTORS’® Center for REALTOR® Technology group.  It is a wealth of smart home information, as well as data issues, and ownership of devices in case of a home sale.   

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: techfruit.com

Wintertime will soon be upon us, and if we want to save money and energy consumption, we turn the thermostat down a few degrees.  What better way to take the chill off while in the family room than a fireplace? Gone are the days of strictly using wood to warm us up–check out this comparison of gas and electric fireplaces, and see what’s right for you and your family. 

• Installation should be your first thought if you don’t have a wood fireplace to convert to gas or electric. When choosing gas, you need a gas line installed, as well as a propane tank.  With electric, inserts and free-standing units are available, and you simply need the equipment and a nearby power outlet. 

Gas 

• Gas fireplaces come vented, or unvented.  Vented gas logs must be used in a wood burning fireplace with a chimney and damper. Ventless logs can be used in an existing fireplace, or as a stand-alone unit. 
• Vented logs look very realistic, but a large portion of the heat goes up the chimney.  You’ll get less “real” with a ventless set of logs, but they are much warmer, and use less gas than vented. 
• There’s a great deal of ongoing debate about the safety of ventless gas fireplace units, and you have to be extremely cautious of how long you burn them, because of oxygen depletion.  Discuss these and other safety matters with the salesperson or gas company representative.   
• Gas fireplaces get very hot, because they use an actual flame to produce heat.  Children, the elderly, and pets shouldn’t get close to the fireplace while in use. 
• Prices for gas fireplaces run the gamut, as they can be constructed to look like a real fireplace, with a mantel and hearth.  Lots of options are available, depending on where you make your purchase. Cost of use varies, depending on whether propane or natural gas is being used. Gel-burning fireplaces are on the market as well, and could be a good option for your home. 
• Safety should be first and foremost with gas fireplaces.  Talk with your gas provider, read the instruction manuals carefully, and follow all guidelines.  If you have a problem, call customer service or a repair company immediately. 

Electric 

• Electric fireplace units don’t need to be vented, because they don’t put off any gasses. 
• The only heat you have to be concerned with is the heat that keeps your toes warm–electric fireplaces are constructed from materials that don’t transmit heat, so you don’t have to worry about anyone getting burned if they touch it. 
• Installation is easy.  Choose your unit, decide where it’s going to be a focal point in the room, set it up and plug it in. 
• Thermostats are available on electric units, making it much easier to control the room temperature.   
• No fuel means no gases being emitted, and it can be a safer choice if you want to keep it burning for longer than a few hours. 
• Costs for electric units are about the same, but the extra cost associated with operation will be on your electric bill.   

Adding a new heat source is not something to be taken lightly, and when it comes to gas and electric fireplaces, there are pros and cons with each.  Talk with knowledgeable people, search the internet, and talk to your family before you make the final purchase.  Whatever you choose, it will be nice to have a fireplace to cozy up to on a chilly night. 

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: www.bowdensfireside.com

• November 12, 2017 – January 03, 2018
• Location:Harry P. Leu Gardens
• Address: 1920 North Forest Avenue, Orlando, FL 32803
• Time: 10 a.m.- 3:30 p.m.
• Admission: Included with regular admission to Harry P. Leu Gardens
• Event Website 

Description: This year, local Interior designers will wrap and twist the historic Leu House Museum into a beautiful, vintage reflection of Christmas past. The 11-room estate will reflect each designer’s signature touch of an old fashioned Christmas in keeping with the time period of the home. See classic holiday ornaments adorning the many Christmas trees throughout the home and beautiful displays for all enjoy!

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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“To us in America, the reflections of Armistice Day will be filled with solemn pride in the heroism of those who died in the country’s service and with gratitude for the victory, both because of the thing from which it has freed us and because of the opportunity it has given America to show her sympathy with peace and justice in the councils of the nations…”–President Woodrow Wilson

So began President Wilson in November 1919, when he dedicated Armistice Day, November 11, to the cause of world peace and to honor the sacrifice of the US military after World War I. Nineteen years later, a legal holiday was officially signed into being, and in 1954, the name was changed from Armistice Day to Veterans Day to honor all veterans. Veterans Day differs from Memorial Day in that it celebrates living and dead US Veterans, and pays tribute to their sacrifices for the freedoms in this country.

Ceremonies, parades, and special events dedicated to honoring our veterans happen all over the country, and what better way to pay tribute than to attend an event in our local area?  See the links for more information!

All National Parks admission is free on Veterans Day Weekend

18th annual City of Orlando Veterans Day Parade
Stars and Stripes Veterans Day Concert

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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Would someone really refinance their home and not take money out of it? Certainly, if they could get a lower rate, build equity faster and pay off the home sooner.

For people with extra cash available, this can be very attractive compared to the low savings rates being paid by banks.

In the example below, the current mortgage is 5% for 30 years after 48 payments of $1,342.05. The owner can refinance for 15 years at 3.37%. If they put $36,000 into the refinance, their payments will be slightly more but the mortgage will be paid off in 15 years. At that same point, if they keep the current mortgage, their unpaid balance will be $136,049.03.

If you have a goal to get your home paid off and have the available funds, a Cash-In Refinance may be just the strategy for you.

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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November 9 – November 12, 2017

Come to the Rotary Club of Apopka Foundation’s Fall Family Festival!  Loads of fun await with carnival rides, live entertainment every night, a beer and wine garden and pet adoptions (Saturday only). Everything you need to know can be found at the festival website.

Admission is free, parking $5, and tickets for carnival rides are available in various package prices.

Hours of Operation
Thu 5 PM – 10 PM
Fri 5 PM – 11 PM
Sat 10 AM – 11 PM
Sun 12 PM – 8 PM

Saturday, rides start at 12.00pm

Kit Land Nelson Park
10 N Forest Ave
Apopka, FL

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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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

Every Hour in the US Housing Market: 

• 624 Homes Sell
• 347 Homes Regain Positive Equity
• Median Home Values Go Up $1.13

By: KCM Crew

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 loans are quoted by lenders, most buyers pay attention to the interest rate but not so much to the points that may be charged along with the rate.

A point is one-percent of the mortgage amount and considered pre-paid interest that affects the yield on the loan. Buyers or sellers can pay points but there can be limits based on underwriting guidelines for different types of loans.

A lower note-rate would obviously make the payments less. However, with a little analysis, you can determine how much points paid up-front can save a borrower or whether you’ll recapture the additional costs in the anticipated time in the home.

In the example below, two choices are compared; a 4.25% loan with no points vs. a 4.00% loan with one point. If the buyer stays in the home at least 69 months, he will recover the $2,700 cost for the point on the lower interest rate.

If the purchaser stays ten years, he’ll save two thousand dollars over the cost of the point. A less obvious advantage will be realized because the unpaid balance on the lower interest rate loan will results in an additional $1,780 savings.

This is an example of a permanent buy-down but temporary buy-downs are also available.  A trusted mortgage advisor can help you determine alternatives.

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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