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Building Wealth With Homeownership 103

March 27th, 2015 by tisner

Parts 1 and 2 of this series explained building wealth is not about quick profits! It’s about steadily increasing your net worth over time.

Home ownership is one of the easiest ways of building wealth that’s available to the general public, non-investors, and average middle-class Americans. Part 1 and 2 contained Rules #1 thru #7…

build wealthRule # 8: Be careful about the costs of home improvements.

Typically, most improvements do not increase your home’s value dollar for dollar. That does not mean they aren’t worthwhile. Just understand they are not always building wealth. There is a difference between making improvements to enhance living and enhancing property value. Most improvements are a combination of both.

Here’s an example. Let’s say you want to add carpet to a room. You can pay $12/sq.yd. for carpet, or pay $24/sq.yd. Will you get the difference in price back when you sell? Probably not, because a future buyer may not think the difference in the carpet is worth the price to them. So, you must decide if the difference in price is worth it for your own enjoyment. Watch here for a future article for more details.

Rule # 9: Understand the difference between appreciation and inflation.

Many people talk about homes as “investments,” and how they “appreciate” in value over time. True investments produce a return on money invested. That is not truly the case with private homes. Homes actually depreciate in value because structures deteriorate if not maintained properly, which costs money.

Typically, a home increases in value through inflation, not appreciation. As general economic inflation increases the cost of goods and services, it is also inflating the cost of housing. This increases your potential wealth because home ownership is a type of hedge against inflation. Paying attention to Rules 5,6, and 7 creates wealth.

Rule # 10: Know your financial position when it’s time to sell.

Stay in touch with your Realtor to keep current on local home values. Pay attention to economic inflation rates. Maintain your home with an eye toward cost of living. If you are careful and thoughtful you will be successful at building wealth.

Information courtesy of Orlando Realtor Teri Isner, Orlando Avenue Top Team.

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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Kissimmee FL Home For Sale: 4542 Philadelphia Cir

March 25th, 2015 by tisner

Kissimmee FL Home For Sale:

4542 Philadelphia Circle, Kissimmee FL 34746
MLS# O5354569

Location, Location, Location!

4542 philadelphia cir

Virtual Tour

Priced to sell! Close to all attractions, restaurants, shopping, highways, airport and Just 12 minutes to Disney, plus there are plenty of shopping including Sams and Walmart nearby. Close to Horse World’s riding stables and numerous golf courses. No rear neighbors. This home has a conservation view. It is a spacious 2 story with over 3000 sq. ft. of living space not to mention the screened in heated pool and spa. Bright and open with touches of decorator colors, and knockdown ceilings. There are 3 living areas to enjoy, two down and one up. Plenty of room to grow into this 5 bedroom 3 bath home. Open Kitchen with plenty of storage and counter-space. This community is zoned for short and long term rentals so let us open the door for you. If you need more room this is it. Call and come look inside today.

Marketed by Orlando Realtor Teri Isner, Orlando Avenue Top Team.

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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Things To Do Orlando: Bands, Brew & BBQ, Honoring America’s Heroes

March 23rd, 2015 by tisner

Bands, Brew & BBQContinuing March 21-22 and 28-29 when Central Florida’s favorite BBQ festival returns for four sizzling weekends. With a special salute to America’s Heroes, we will have special ticket offers for all enlisted men and women and retirees from the military. Also, show your military ID in the park to receive 10% off a Craft Brew Sampler, 15% off an All-Day Dining Deal and 10% off merchandise.

Bands, Brew & BBQ features live concerts from top classic rock and country bands and artists, the tastiest BBQ from Central Florida’s top local smokehouses, plus SeaWorld’s own Sweet & Smokin’ Barbecue. This event is presented in partnership with USO of Central Florida, an organization that has been lifting the spirits of America’s troops and their families over 70 years.

WHEN:  Sunday, March 29, 2015
WHERE:  SeaWorld Orlando
COST:   Included in daily park admission

Visit the Event Website for more details.

Information courtesy of Orlando Real Estate Expert Teri Isner and the Orlando Avenue Top Team.

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!

Windermere Florida Real Estate Market Statistics For March 2015

March 18th, 2015 by tisner

Welcome to your up-to-the-minute March 2015 edition of Market Snapshot for Windermere Florida compliments of Teri Isner. This report is personalized with charts including market activity for homes in the 34786 zip code.

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!

Kissimmee Florida Real Estate Market Statistics For March 2015

March 18th, 2015 by tisner

Welcome to your up-to-the-minute March 2015 edition of Market Snapshot for Kissimmee Florida compliments of Teri Isner. This report is personalized with charts including market activity for homes in the 34741 zip code.

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!

Celebration Florida Real Estate Market Statistics For March 2015

March 18th, 2015 by tisner

Welcome to your up-to-the-minute March 2015 edition of market snapshot for Celebration Florida compliments of Teri Isner. This report is personalized with charts including market activity for single family homes in the 34747 zip code.

 

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!

Things To Do Orlando: Universal Studios Mardi Gras 2015

March 17th, 2015 by tisner

Universal Studios Mardi Gras The most spectacular celebration of the Big Easy spirit outside of New Orleans itself – Mardi Gras at Universal Studios®. Bring the whole family for a party filled with music and fun as only Universal Orlando® Resort can throw. You’ll enjoy live concerts, a dazzling parade, colorful street performers, authentic Cajun food*, and beads by the handful!

WHEN:  Saturday, March 21, 2015 through April 18th
WHERE:  Universal Studios Florida®
COST:  Park Admission

Visit the Event Website for additional information.

Information courtesy of Orlando Real Estate Expert Teri Isner and the Orlando Avenue Top Team.

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!

Building Wealth With Home Ownership 102

March 13th, 2015 by tisner

Part 1 of this series explained building wealth is not about quick profits! It’s about steadily increasing your net worth over time.

building wealthHomeownership is one of the easiest ways of building wealth that’s available to the general public, non-investors, and average middle-class Americans. Part 1 contained Rules #1 thru #4…

Rule # 5: Understand the difference between paying costs of living and paying toward wealth building.

Costs of living contribute nothing to wealth building. Examples of these are property taxes and insurance, utilities costs, mortgage interest, etc.

Some of these costs are hidden when you rent because the landlord pays them. Utilities are costs you pay. In both cases, once they are paid, the money is gone. On the other hand, mortgage principle payments build equity.

Rule # 6: Understand how your mortgage works.

When you make a monthly mortgage payment, it’s not just paying the mortgage company. It’s also paying YOU! Part of the mortgage payment is interest on the outstanding balance of the loan. Interest pays the lender for loaning money and is a cost of living.

However, part of the mortgage payment reduces the principle loan amount owed. Every month you make a payment the loan amount gets smaller. Therefore, the interest you pay the next month is a little smaller. Since the monthly amount you pay is a fixed number, as the interest amount gets smaller the amount paid toward reducing the loan gets larger. That is money you are paying yourself.

Think of payments that reduce your loan as a forced savings account…it’s increasing your wealth. Your equity is the portion of the value of the property that you actually own. To find the value of your equity you must subtract what you owe from the property value. Therefore, as you make payments that reduce how much you owe, each month you increase your equity and are building wealth.

Rule # 7: Consider making extra payments on your mortgage.

You should have the right to pay extra toward reducing the principle on your loan anytime you choose. Your monthly mortgage payment has two parts: first, you pay interest based on the outstanding amount of the loan; and second, the rest of the payment reduces the loan itself. When you add extra money to your payment it will reduce the loan even more, and build equity and wealth faster.

Watch for Building Wealth With Home Ownership 103 for more rules to follow while you own.

Information courtesy of Orlando FL Realtor Teri Isner.

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!

Things To Do Orlando: Mighty Festival at Raglan Road Irish Pub

March 9th, 2015 by tisner

Mighty Festival at Raglan Road Irish PubScythian tops the line–up of talented bands that showcase their Irish roots through lively music and dance during the Mighty St. Patrick’s Festival at Raglan Road Irish Pub & Restaurant – March 13th –17th. The most authentic St. Patrick’s Day celebration in Central Florida also will feature inventive cuisine by Irish celebrity chef Kevin Dundon, host of the TASTE Award-winning PBS and Create TV cooking show, “Kevin Dundon’s Modern Irish Food.” Raglan Road guests ready to “get their green on” can participate in festivities that run from 4pm until 1.30am March 13th and from noon until 1.30am, March 14th–17th.

Enjoy performances by Scythian, $3 Band, Reel Ó Gránde, Drops of Green, The Brayzen Heads, The West Coast Trio along with our award winning Irish Dancers

On St. Patrick’s Day guests will be seated on a first come, first served basis. A cover charge of $10 will apply to each guest 18 and over.

WHEN:  March 13-17, 2015
WHERE:  Raglan Road Irish Pub
COST:  $10

Visit the Event Website for more information.

Information courtesy of Orlando Real Estate Expert Teri Isner and the Orlando Avenue Top Team.

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!

Orlando Foreclosure Trends for January 2015

March 6th, 2015 by tisner

In January, the number of properties that received a foreclosure filing in Orlando, FL was 25% higher than the previous month and 4% higher than the same time last year, according to RealtyTrac.com.

Orlando Foreclosure Geographical Comparison

Orlando foreclosures were 0.14% above national statistics, the same as state figures, and the same as Orange County numbers in January 2015.

orlando foreclosure

Orlando Foreclosure Status Distribution

The current distribution of foreclosures based on the number of active foreclosure homes in Orlando, FL.

Pre-foreclosures accounted for 17.7% of the foreclosure activity in January,  Auctions were 37.4%, and Bank-owned properties were 44.9%.

orlando foreclosure

Orlando Foreclosure Activity by Month

In January, the number of bank-owned properties increased 111.4% from the previous month and increased 54.5% from the previous year. The number of auctions increased 0.6% from the previous month and dropped 1.5% from the previous year. Pre-foreclosure activity decreased 18.9% from the previous month and 38.9% from the previous year.

orlando foreclosure

Information courtesy of Orlando Realtor Teri Isner, Orlando Avenue top Team.

Access Teri’s one-stop Orlando FL home shopping 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!

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Celebration, Fl 34747

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