Wednesday, December 13, 2017

Fun December Activities!

The best thing about the holidays in December is getting together with family and friends.  Adults and children alike can enjoy most of these activities: 
  • Cookie swap:  This is a gathering that benefits everyone.  Invite several friends who will choose a cookie recipe to pre-bake, and bring the batch to a central location.  Sample the treats, with cocoa or coffee, and have packaging available so attendees can take home small batches of their favorites.  
  • Ugly Sweater Crafts:  Instead of wearing an ugly Christmas sweater, use it to make a stocking, pillow, or small ornaments.  Have invitees bring one snack or drink each so you won’t have to worry about a lot of food prep. Get inspiration from these ideas from Better Homes and Garden’s website.  
  • Hanukkah Cupcake party:  Each party goer bakes a dozen cupcakes, and brings them unfrosted to the party.  Have frosting, frosting bags and tips, sprinkles and candies available, and everyone gets to dress up their cupcakes themselves.  Swap them out so they can take home a variety.  
  • Kids Christmas ornament party:  purchase clear shatterproof ornaments specifically for filling and have artificial snow, small toys, artificial greenery--anything small enough to fit in the ornament-- along with ribbon, craft paints, and stickers, and have them create their own ornament.  Use adult supervision with very small children, or if using adhesives, especially hot glue. 
  • Gingerbread house decorating:  Lucky guests get to make and take their own cookie house!  This can be a simple venture with a gingerbread house kit, or using graham crackers, candies and royal icing, or more advanced with home-baked gingerbread cookies and decorations. This is another fun activity for the children as well as the adults. 
  • Dreidel craft:  Have the kids come over and make dreidels from craft kits or from modeling clay, skewers cut into 2” lengths and blue markers.  There are also many  inexpensive paper kits available on etsy. After the dreidels are finished, have some gelt ready, and host a spin-off tournament with prizes! 
  • Kalah game for Kwanzaa:  This is something kids will enjoy.  Cut the lid off an egg carton, then cut the lid in half.  Tape each half to the end of the bottom of the egg carton to form a tray.  Using 36 pebbles, dry beans, or pasta, play the game of kalah. 
For these casual get-togethers, send invitations via email, create an event on social media and invite friends, or use an online website to help--evite can help you design a free e-invitation, and can help you track RSVP’s. Add snacks, a cocoa or coffee bar, and make it merry! 

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Monday, December 11, 2017

Things To Do Orlando: Christmas Re: Created

Friday, December 15, 2017 - 7:00 PM
Sunday, December 17, 2017 - 9:30 AM & 12:00 PM

Northwest Church Auditorium
5495 Clarcona-Ocoee Rd.
Orlando, FL 32810

Free

Seating is on a first come, first serve basis. Free nursery/childcare (up to age 5) is available during Sunday performances.

Experience the back-story of Christmas through an illuminating dance of light and shadow in this incredible show for the whole family. From the first days of Creation to the brokenness of relationship, a glimmer of hope appears. Enjoy contemporary, jazz and tap dance with 3D interactive elements and illusions that will create a full-on sensory experience. Northwest Dance Company performers young and old come together with Peter Sabasino of SYTYCD Season 6 as “Adam” and Sarah Swindell, Director of Northwest Dance Studio as “Eve” to form stunning shapes and scenes behind a large screen, occasionally appearing in a colorful display during pivotal encounters. Come be a part of this inspiring celebration of Christmas like you've never seen before. This is Christmas...ReCreated!


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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Friday, December 08, 2017

Don't Pat Yourself on the Back Just Yet

You’ve got $500,000 in liquid assets for your retirement and you’re still 15 years away. All your bills are paid; you have a small mortgage on your home; cars are paid for and great credit. Don’t break your arm patting yourself on the back yet.
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People think more about what they’re going to do when they retire than whether they’ll have the funds to do them. Ask anyone who has retired, it takes more money than you thought it did. Let’s look at a hypothetical situation.

To retire with $125,000 income in today’s dollars with a life expectancy of 25 years after retirement, you’ll need to have a net worth of $1.5 million at retirement including what Social Security may provide. Your $500,000 will grow to $1,045,420 in 15 years which will leave you about a half million short. You’ll need to save $24,149 each year for the next 15 years to reach your goal.
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Is this surprising? Did you imagine that this example would be that far from its goal? It might seem staggering to save $24,000 each year but there is another way…investing in rentals.

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

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


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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By: PatZaby.com

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Wednesday, December 06, 2017

Giving Back!

With a little more than a month left in the year, many begin to think about charitable donations.  Once you’ve decided on an amount to give, there are a few things to keep in mind: 
  • Did you give last year?  Do a quick check of the organization’s website, or give them a call to see what sort of strides they’ve taken.  If you’re not satisfied, or don’t see progress, consider another charity. 
  • As difficult as it can be to narrow your donation to one organization, a larger gift can be more beneficial as one gift, instead of spreading your donations around. 
  • Keep in mind that there are thousands of charities who don’t have it in their budgets to advertise.  Consider giving to a local charity, or a national one that’s lesser known. 
  • Once you’ve narrowed down your list, call the charities if you can’t find their mission statements online, and ask questions.  It’s the best way to get the information you need. 
  • Although there’s nothing wrong with giving to your alma mater or the hospital that took such great care of a family member, find out if your local homeless or domestic violence shelter needs help.  These kinds of organizations usually struggle to make ends meet in providing services.   
  • Make sure your charity is legitimate, and it’s very important to check their finances. Charity Navigator’s website will let your search a charity’s name and get feedback. 
  • Because donations are tax-deductible, the IRS has a search tool that allows you to see what organizations are eligible for tax-deduction gifts. There are other handy options, such as seeing what organizations are no longer allowed to be considered exempt. 
  • Avoid scams--charitable giving is at a high at the year’s end, and crooks abound.  Use the above IRS search tool to make sure your charity is a legitimate charity. 
  • Keep receipts, check stubs or letters of thanks for when you’re filing taxes.  If your donation isn’t monetary, but something valued at over $5,000, the IRS requires an appraisal for your deduction. 
  • Do you volunteer? Any out-of-pocket directly related expenses--even mileage--are tax deductible.  
  • Keep in mind that last-minute online donations made December 30-31 are eligible for a tax write-off.  
Deciding who should benefit from your generosity can be a tough or easy decision, depending on what you already know. Just look for charities that depend on your generosity to keep their doors open, or who need your physical presence to be successful.  Giving isn’t always about money.  


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!

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Monday, December 04, 2017

Things To Do Orlando: Winter Spark at Baldwin Park

Saturday, December 9, 2017 | 3:00-9:00pm

Schedule of EventsFestival in Harbor Park. 3:00-9:00pm

Musical Performances at Main StageRoberto's Performance Dolls | 3:45pm
Victory Martial Arts | 4pm
Lake Howell Jazz Band | 4:15pm
Daniel Anthony | 5pm

AFTER PARADE
Edgez Dance Performing Team | 7pm
Brite Star Twirlers | 7:15pm
Shay Reney | 7:30pm

Parade on New Broad Street beginning at 6:00pm
(Common Way Road to Lake Baldwin Lane)

Photos with Santa & Mrs. Claus
(in Harbor Park, 3-5:30pm)

About the Festival...​
·         Artists & Vendors
·         Food Trucks | Holiday "Cheer" Garden
·         Musical Performances
·         Parade
·         Photo Opp with Santa & Mrs. Claus 




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!

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Friday, December 01, 2017

FHA is a Good Option

FHA insured mortgages serve a sector of the market that is not necessarily being met by other loan programs.
Securing an 80% conventional mortgage that doesn’t require mortgage insurance may be the lowest cost of financing but if the buyer doesn’t have 20% down payment, it isn’t really an option.

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Securing a 100% VA loan doesn’t require a down payment or mortgage insurance but if the buyer isn’t a veteran with his/her eligibility intact, it isn’t an option either.
There are conventional loan programs with as little as 3% down payment but they not only require mortgage insurance, they also require a credit score of 740 or above which may eliminate some buyers.
For these reasons, FHA is a viable alternative to about 20% of new and existing home sales. The Federal backing of these mortgages makes it easier for first-time and low-income buyers to qualify because the requirements are not as demanding. They’re even more lenient towards buyers who have previously experienced bankruptcy, foreclosure or a short sale.
Finding the right mortgage for the right home is a team effort where both mortgage and real estate professionals work in harmony to get a buyer into their own home. Call us at
407-566-1800 for a recommendation of a trusted mortgage professional.
General FHA loan requirements include:
  • The loan is for primary residences only but can include two, three or four units.
  • The property must be appraised by an FHA-approved appraiser.
  • The property must be safe, sound and secure, in compliance with minimum property standards as defined by the U.S. Department of Housing and Urban Development.
  • The borrower must be a legal resident of the U.S. and have a valid Social Security number.
  • The minimum credit score of 580 with a down payment of at least 3.5 percent, or a minimum credit score of 500 with a down payment of at least 10 percent.
  • The borrower may not have delinquent federal debt or judgments, or debt associated with past FHA loans.
  • The borrower must have steady employment history.
  • Documentation is required if the down payment was gifted by a family member.
  • The borrower must have a debt-to-income not exceed limits of 31% for front-end and 43% back-end ratio (some exceptions may apply).
  • Any judgments or collections on the credit report must be resolved or satisfactorily explained.
By: PatZaby.com

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!

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