If you’re planning on doing some homework with your tax refund, here are a few suggestions on how best to spend that money… 

$1,000 or Less 

• Add or improve your front walkway.  Whether you plan on putting your home on the market soon or not, a new walkway will improve the curb appeal.  
• Replacing the front door is an expensive job, but you can create a whole new look for the front exterior of your home just by having a new front entranceway. 

• Install new light fixtures, especially if you’re tired of the builders-grade fixtures. If you shop smart, you can get stylish new flush-mount lights for every room. 
• Do a minor bathroom renovation:  replace the toilet, faucets, and lights, and give the tub/shower a makeover with a refinishing kit. 
• Paint the kitchen cabinets, replace the hardware, and add a tile backsplash. You won’t believe what a difference those three minor renos will make! 
• Upgrade one appliance kitchen appliance.  

$1,000-$2,000 

• Any repairs that you’ve put off because of cost should be done before any improvements to renovating is done. Protecting your investment is more important than new bathroom tile. 
• If your front lawn is a black canvas, hire a landscape designer to create some improvements.  
• Have your “popcorn” ceilings removed by a pro and add new crown molding.  
• Tankless water heaters, whether you choose whole-house or single-point, are worth the investment as you’ll see a difference in your electric bills. 

• If you’re handy, you can take on a DIY job and save money: paint your home’s exterior, install new flooring, add wainscoting, or install kitchen countertops. 

As much as you’d like to see something physical after spending your tax refund, paying any accumulated debt down or investing it will pay you back in the long run. Check out these ideas from Investopedia,  and take off some of that financial load you may be bearing! 

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.

New year, new you, right? Oh, we all seem to resolve to eat healthier, lose weight, kick dirty habits and all kinds of other things, but by the end of February, we find ourselves just trying to remember what our resolutions were, much less actually sticking to them! Homeownership is the same way–we start out with big ideas of what we’ll be doing to maintain it, then life gets in the way, and we fall short.  Get started with this guide: 

• Having an energy audit performed on your house will help you save not only energy but money, too. 
• Your dryer’s lint trap should be cleaned routinely after each load, but your vent and vent tubing should be cleaned at least annually.  Removing as much lint as you can helps dry your laundry faster and reduce the risk of fire. 
• Home security systems aren’t foolproof against hackers, and neither are smart home accessories.  Change passwords frequently, and don’t reuse passwords.  To make it even more difficult to hack, use two-factor authentication.  

• The Family Handyman has several tips for keeping the yard and yard tools in tip-top shape. 
• Resolve to cut the clutter in your house. While the temps are cool, and you’re spending more time inside anyway, take one room in your home per week to clean out and clean up. 
• Repair the little things that you overlook because they’re not necessarily a safety issue:  doorknobs that aren’t working, dripping faucets, or squeaky floors. Fix now to save you from something bigger happening and costing you more later. 
• Get your personal finances in order!  Commit to saving money, not only in the literal sense, but get the best rates on insurance, or consider refinancing your mortgage. NerdWallet has some great tips for building equity in your home. 
• Print out this free home checklist, and you won’t miss a thing each season! 

Find a good balance of taking care of home and taking care of you and your family.  Don’t spend every spare minute maintaining your home. Some projects can combine family and work time, like a big cleaning job, or yard work.  As important as it is to keep up your home, it’s important to keep up with family as well.   

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.

Garage doors might not seem like they make much of a difference, but imagine what your home would look like if you just had a flat door where your current garage door stands. Because they take up so much real estate on the front of most homes, garage doors can actually have a huge impact on the way your home looks and feels. So, what do you want your house to say today?

The walls of your home are begging for a new paint job, or you simply want to change your decor colors, but money is not flowing freely enough to hire a painter.  Painting is one DIY project that is cost-effective and easy enough to make it look as if you hired a crew to do the work.  Go over these tips before you get started: 

• Flat or matte paint is great for hiding flaws, and best used in low-traffic rooms, as it is not as easy to clean as glossy paint.  Use latex paint for high-traffic walls, and oil paint for wood trim.  Leave windows open when painting with oil paint because the odor is quite strong, and it takes longer to dry. 
• When picking colors, do not be afraid to go bold, unless you plan to sell soon, then neutrals are your best choice. 
• Purchase paint samples and apply each color in a 2’x2’ area on the wall you are planning to paint. Once it is dry, you will get a better feel for the color in the different lights, and whether you can live with it or not. 

• The ceiling cannot be forgotten in your new design!  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. 
• Use this handy paint calculator to determine how much paint you will need.  Other supplies necessary for a professional look are painter’s tape, drop cloths, putty, a putty knife, caulking, and any tools you may need for removing hardware from any doors or walls. 
• Clean your walls and sand if necessary, then use a vacuum to make sure all the dust is gone. 
• Covering a dark color, stains on the walls, old paneling, or new sheetrock may require a coat of primer prior to painting. Tint the primer with a little of your new wall color before applying. 
• Before you start on the walls, do the little stuff first:  paint in corners and close to the ceiling with a good brush, working your way down to catch drips. 

• Paint the walls in 3’-4’ sections in an overlapping W-pattern, applying paint until you need to reload the roller. When you are near the ceiling and corners, get as close as possible using what is left on the roller where you previously already cut in. This gives a smooth appearance to the finish. 
• Allow the paint to dry for 24 hours and avoid hanging anything on the walls for a few days. Hopefully, you should not have to do any cleaning until the paint has cured, usually two weeks to thirty days. 

Giving your home a facelift with paint is easy and rewarding if done correctly. Feeling 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, and one you can take pride in since you created it! 

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: BergerPaints 

It’s been a long year, and it’s ok if you’re tired of staring at those kitchen cabinets you’ve frankly hated for years. 2021 is a year about promise and change, and you can start the process in your very own home. There are lots of ways to give your cabinets a new look, whether you prefer something more classic or super contemporary. There’s an option for every budget, and most of the time you won’t even need to replace your cabinets or counters, unless you just really want to.

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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By: Homekeepr, David Weinstein 

Filled with wonderful character, old homes can have some characteristics that are not so loveable.  Many homebuyers purchase an old house with renovation in mind before they sign their contract. There are some elements in the aging structures, however, that should be left to restoration instead of demolition.   

• Built-Ins  Unless there is serious damage to the pieces, leave the built-in shelving or window seating. Most built-ins are there to function in some way, and you will likely appreciate and use them once they have been restored. 
• Molding and Doors Whether plaster or wooden, crown and window molding, ceiling beams, and baseboards should be revived in whatever way necessary to bring them to their former glory. Solid core doors are another item to keep and restore. 
• Plaster Crumbling plaster looks awful and may be expensive to repair.  The folks at The Craftsman Blog point out the benefits of leaving and mending the plaster over installing new drywall. 

• Original Windows  While energy-efficient windows are encouraged to most home remodelers, there are ways to save old wooden windows in a house and still save energy. Old House Online says getting an energy audit, insulating your attic, and weatherstripping, among other things, will make the old windows rival replacements. 
• Fireplaces  Sometimes, homeowners rip out newer wall coverings and find a gleaming old fireplace hiding behind it. If you’re not interested in using it, have a professional close it in safely, and use it as a feature in the room. Otherwise, the same pro can likely bring the chimney up to code so the fireplace can be useful. 
• Floors  Almost every old home has hardwood floors hiding beneath carpet, tile, or linoleum, and sometimes all three at once! They may look awful when peeling back the layers, but this type of old-growth wood cannot be found anywhere in modern times, and restoring them will be the best thing you can do for them.  

Other features you should consider keeping are wood siding, mosaic tile, exposed brick, porch columns, and lighting fixtures. If you see that you’d rather mix modern elements into the house, do your best to find someone who will remove the old items so they can be used by other old house renovation projects. Sell them outright, through a consignment shop, or donate to a Habitat for Humanity ReStore.  

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: lovePROPERTY

There’s nothing like a glass of cool lemonade on a hot summer day, unless of course the reason it’s so hot is that your air conditioner needs to be replaced. In that case, a new air conditioning system is pretty much the best thing ever. Maybe yours has lived a long and full life and is ready to be replaced, or perhaps you’ve added on to your home and need a solution for cooling that EZ Bake Oven you’ve created. In either case, installing a new ducted air conditioning system or plopping a window unit into the nearest window aren’t your only choices. You could go with Door Number Three: the ductless mini-split system.

What is a Ductless Mini-Split System?

Ductless mini-splits are air conditioning systems that are made to cool (and sometimes heat) smaller spaces. They can work together to improve climate control in entire homes and can even replace a traditional ducted system. Much like a central air conditioning system, there are two parts: the condenser, which is installed outside, and the inside air handler.

The main difference from traditional systems is that they don’t use ductwork, so they eliminate a ton of temperature loss that would normally occur in your crawlspace or attic. And unlike a window unit, a ductless mini-split system can be hung out of the way of windows, since it only requires a three-inch hole to run the refrigerant lines and electrical controls.

Advantages of a Ductless Mini-Split System

There are a lot of reasons to love a ductless mini-split, but energy efficiency has to be up there among the top. These systems can have SEER ratings of around 28, which is substantially more efficient than a ducted system’s 13 SEER national minimum requirement. Of course, a ducted system’s rating will vary by unit, but generally speaking, the higher the SEER rating, the higher the price tag.

Ductless mini-splits systems also boast these advantages over a traditional central HVAC system:

• More precise control of room temperatures. Mechanically, one of the most important differences between ductless mini-split systems and traditional systems is that mini-splits are controlled by an inverter system that allows your heat or air to come out of the air handler at the temperature you set. This is different from a ducted air conditioner that only blows air at one temperature, constantly switching on and off to maintain room temperatures.
• Ability to set room temperatures independently of one another. Although zoning is possible with ducted systems, it can be costly to install and is not a reasonable solution for many rooms that need different temperatures. This is especially a concern in multi-generational households or those where the home heats or cools irregularly throughout the day. With a ductless mini-split system, you can set the living room to stay a constant 72 degrees despite the heat baking your picture window, without your office having to become an ice cave. Everybody wins!
• No more dirty air cycling endlessly. Ducts are filthy, there’s no question about it. This is just an inevitable side effect of their design, especially in an older house that’s had decades or generations to collect substantial amounts of dirt in the home’s ductwork. Ductless mini-splits are just that: ductless. Each unit has its own filtration system, and there are no ducts for dirt to settle in, keeping room air significantly cleaner all the time.

When Not to Split?

Not every house is going to be a great candidate for a ductless mini-split system, no matter how awesome they seem. Newer homes with highly efficient central HVAC systems that are in great shape or those that don’t generally have a lot of temperature differential across the structure likely won’t recapture the cost required to install these systems.

However, if you’re not sure if your home can benefit from a ductless mini-split system, you can always consult an HVAC expert for more specific recommendations. Sign up for your free HomeKeepr account to find the professionals you need.

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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By: Homekeepr, Rob Morelli

Home ownership is a big responsibility! Sure, you have the financial responsibilities, but what about maintenance? Letting your house just sit and be a shelter for you is not going to work, even if you live in a newly constructed home. It is up to you to keep it in tip-top shape! Take a day to go over these items to make certain all is well at your house: 

• Roof:  Your roof is probably your home’s most important part of its structure, so inspect it well:  take binoculars or use your phone’s camera to zoom in on the roof and look at every aspect. Check for damaged, missing, or curling shingles. For a tile roof, look for cracks or missing tiles, and metal roofs should be gone over for loose screws or damage to the metal. On a rainy day, go into the attic and check for leaks. Have any issues repaired as soon as you possibly can. 
• Foundation:  The other important side of your home is its foundation. Check for cracks in the bricks, look at the grading around the outside (making sure water is running away from your home), and check for gaps in the outdoor walls and windows. On the inside, look for sagging floors or bowing walls, doors that do not want to close or windows that do not want to open. These are all signs of possible foundation issues. 
• Siding:  Look for peeling, blistering, or fading paint, as these may be signs that you need new siding. Check for rot and warping on the soffits and any fascia boards. Visible mold can be a sign of a major moisture issue and should be investigated by a pro. 

• Plumbing:  Grab a flashlight and go under your sinks and look for any signs of leaking. Toilets can leak “silently,” and you can figure out where the leak is coming from with a little food coloring and time.  Inspect around the water heater for any signs of leaks as well. 
• Smoke/CO Detectors:  If you have battery-operated detectors, checking the batteries is fine, but you need to be sure they are working as well. CO detector kits are available at most home stores and testing a smoke alarm is as simple as blowing out a candle and allowing the stream of smoke drift towards the smoke alarm. Be sure to let everyone in the house know you are “crisis testing” the alarms! 
• Gutters:  On a rainy day, or using the water hose, check to be sure gutters and downspouts are running freely (no clogs), and have no leaks around the seams. 

Taking the time to look carefully at possible problems in your house can save you time and money down the road, especially if you plan on reselling the house in the future. You are protecting your investment and protecting your family as well. 

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: StormGuard

Making the decision to renovate any room in your home comes after a lot of thought and planning, but don’t forget that changes in your home can create changes in your homeowner’s insurance.  Whether the renovations lower or increase the payment depends on the job, so we’re going to look at how a remodel can affect your wallet: 

• Additions:  Whenever you add square footage to your home, your policy will need to be upgraded, likely increasing your premium. 
• Converted Space:  Turning your garage into a home theater or creating a master suite from your attic space may not require changes to the policy if the square footage is already covered, but as replacement value has changed, you will want to increase your coverage. 
• Home System Upgrades: Improving electrical and plumbing systems can lower your premiums, as upgrading them can make your home safer from incidents relating to fire and leaky pipes. 

• Pools:  Installing a pool or hot tub in your backyard will add to the replacement value of your home, and you’ll need to increase liability coverage to protect yourself in case of any accidents, 
• Roofing:  A new roof can lower your premium, especially if you upgrade it to the latest standards of protecting your home from natural disasters. 
• Security Systems:  According to Safewise, adding a home security system could lower your homeowners premium by 20%.   
• Solar Panels:  You will want to talk to your insurance agent before installing solar panels to your home.  They may require a separate policy, depending on how they are mounted, which would add to your budget.  
• Upgrades:  Whether you use top-quality building materials for your renovation, upgrade the finishes in your home, or install state-of-the-art appliances in the kitchen, you’ll need to change your policy to reflect the replacement value. 

Making changes to your home improve your quality of life in many ways, but it may come at a cost.  Protecting your investment is worth it in the end, but you want to be prepared for anything that will add to your monthly budget. Schedule a meeting with your insurance agent before beginning any major changes in your home so you won’t be surprised when your payment increases. 

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: contractorconnection.com

Thinking about doing some home improvements?  Whether it’s a kitchen or bathroom remodel, a whole-house painting, or floor refinishing, there’s a time of year when these jobs are easier to get completed, mainly because of how the weather affects not only construction, but the quality of the finished product as well.  Find the project you’re considering, and see when it’ll be the right time to get to work:  

Additions, because of needing a new foundation, could be started in late Winter/early Spring when the ground is still cold and more compact.  It makes for better digging and concrete pouring and setup. 

Exterior door replacement would be convenient any time except Winter, just in case there are any issues and the doors aren’t a quick switch. 

Exterior painting, for many reasons, is a better idea in early to late Summer, when temperatures are above fifty degrees. 

HVAC work, in non-emergency situations, should be done in the off seasons–new heater in warm months, air conditioning before it’s sweltering outside. 

Interior remodeling like kitchen and bathroom redo’s, can be done practically any time.  The main thing to keep in mind here is warm months are busier for contractors, and that can mean a job done in a hurry, or higher prices. 

Outdoor projects, even though a popular time for construction is the warmer months, should be started in late Winter, simply because you want to be able to spend your Summer enjoying your new outdoor space! 

Refinishing hardwoods is probably best completed during the times of year when humidity is low for the best finish, and so windows can be opened to allow air circulation to help get rid of any associated odors. 

Roofing, believe it or not, may get better results in hot months of the year, as the most common materials used will need warm temps for the best performance. 

Window repair/replacement is managed well during warm months or when frequent rain isn’t a factor. 

Keep in mind that Spring and Summer are busiest time for contractors.  If you are hiring your job out, the process should be started long enough in advance that you don’t have to be put on a wait list.  On that same note, during slower months, a contractor may give you a deal on the work, because there aren’t other jobs to be done, and you get their full attention!  Planning is key for a smooth finish on any project, any time of year. 

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: RISmedia