Harmony Life July 2015

F LOR I DA’S P R E M IE R C O M M U NIT Y JULY 2015

Meet Your Neighbors, Joe Silvestri & Rick Villard Photo by Christina Beasley Dalton

A publication of Quantum Marketing Communications, LLC

IN THIS ISSUE Meet Your Neighbors Did You Know Quick Reference Directory

July Social Calendar Business Use of Home Deduction The CDD Budget Process

Make Your Move, With a Plan Are These Expenses Ruining Your Budget?

July 2015 Bill Bokunic Publisher & CEO Quantum Marketing Communications 321.331.6398 Bill@QMCWorld.com

from the

EDITOR welCome Happy July 2015!

We have added a quick events directory/calendar so you can keep up and reference the community happenings.

Please join our Harmony Life Magazine Facebook page.

Also coming very soon, http://harmonylifemagazine.com/ Welcome our new advertisers: Kisselback Ford Steve Mullins, Primerica Kocher Insurance Michael Long with Farm Bureau Insurance Beauti-fur Pet Grooming Music in Harmony, Voice and Piano lessons by Dawn Korzen Please support our advertisers as they really bring this publication to the community.

We are also expanding and hiring. We are looking for part time sales help, commission based.

Email me directly bill@QMCWorld.com Thank you for supporting us!

Bill Bokunic Publisher and CEO, Quantum Marketing Communications 321-331-6398 bill@QMCWorld.com

Contact Info For Residents CDD---www.harmonycdd.org, 407-566-1935, Steve, Ray, Mark, Kerul or David @Harmonycdd.org Sheriff non-emergency---407-348-2222 HROA—First Services Residential at 866-378-1099 or FSResidential.com

BrightHouse Cable / Internet---877-892-3279 Century Link Cable / Internet---866-314-4148 OUC Electric---407-957-7373 Waste Management Trash Pickup---407-843-7370

Condos HOA---Sentry Management, 407-846-6323

Osceola County---www.osceola.org “Citizen Action Center”

Townhomes HOA---TITAN Management, 407-705-2190

County Commissioner Fred Hawkins fhaw@osceola.org

Harmony Developer Office---407-891-8358 or www.HarmonyFL.com

3

ON THE COVER

Here are a few questions answered from Joe and Rick:

Meet Your Neighbors

What do you miss most? FALL!! We miss the color and smell of that season, but it is a small sacrifice to not deal with the NY winters!

Joe Silvestri & Rick Villard

When did you move to Harmony? December 2005 What street do you live on?

House Road

School

What do you love most about Harmony? It was the Norman Rockwell feeling when we first visited Harmony. The piece and quiet, the beautiful lakes and living with open space and nature was a huge draw.

Where did you move from? We were both born and raised on Long Island NY.

perience was meeting Gracie and Kerul Kassel the weekend we flew down to purchase our lot in Harmony. Gracie was kind enough to extend her paw and Kerul was kind enough to invite us to a Memorial Day What is your background? Rick has bar-b-que. been a Stylist and Makeup artist for over 30 years. He has trained in Europe and Do you do any charity or non-profit Los Angeles and I have a degree in Mar- work? Our salon Victor Russell has doketing & Communications. Together we nated their services to Wigs For Kids and own Victor Russell Salon in Saint Cloud. we personally help any client battling cancer. We always let them know they are not What is a good early story about Har- alone in their struggle and it is our goal to mony? We unfortunately had a house fire make them feel beautiful. six weeks after moving into our home, but the Harmony Fire Dept had just opened Do you have a cause or business that the week before and saved our home! We you would like to promote? We are are their first official call and are thankful proud to announce that Victor Russell they were there to come to our rescue.

Salon will be celebrating its 10th year in business in Florida the end of this year! If What is unusual or unique about Har- you haven’t visited our salon, stop by for a mony, in comparison to your previous peek to see what everyone is talking about. home? Harmony is very similar to our old We are the proud recipients of the Macaneighborhood where each house is differ- roni Kid Gold Daisy Award for best salon ent and it bordered on a country club golf in Saint Cloud/Kissimmee 2015! Visit our course. The only difference is our homes website at www.VictorRussell.com and are much closer together here. Fortunate- email: info@VictorRussell.com. ly we love our neighbors!!

What makes you laugh? Each other!

What is your favorite weekend activity? Laughter is the key for any relationship.

When we are not gardening you will find us in the city of Orlando, Disney or Mel- What else should we know about you or bourne! We love the fact that we are cen- your family? We love having family living trally located to all of this. in Harmony. My sister and brother-in-law, Joanne and Carl Fsadni and Rick’s dad Is there a neighbor experience you are Leo and hopefully both of Rick’s sisters most proud of? Our first neighbor ex- soon!

4

Make Your move, With a Plan

by Jeanine Corcoran

Y

ou’ve waited a long time for your dream home and now your contract has been accepted and your closing date is set, now what? It’s time to make your move, with a plan.

First things first. Will you hire a company to pack up all your belongings or do you have time to pack yourself? If you choose to hire a company to do it, be sure to be there to supervise on the packing day.

You should arrange to be off of work and not just you, everyone living in your household needs to be involved. Take pictures of larger items and read the inventory sheet before signing it. Packing can be stressful whether you are packing or whether you are supervising.

Your dream home, if it is not a new home, will need to be cleaned prior to move in day. The previous owner only has to leave the home broom swept. If time allows, have your home professionally cleaned including the windows. You don’t want to be placing your furniture and boxes onto dirty floors. You’ll be thankful you did that on the moving day!

When the movers arrive to your dream home, have a plan. That’s right, draw an actual plan of where you’d like the furniture and boxes placed in each room. Also, plan to be the supervisor as the furniture arrives.

Don’t make the mistake of being part of the crew that helps move the

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furniture and boxes. It’s so easy to want to help, especially if you choose to have friends help you move but you’ll end up with furniture and boxes in disarray and creating more work for yourself later.

Moving can be exciting and stressful at the same time but having a plan can help the process go more smoothly. Whether you hire a company to pack for you or do it yourself, it’s important that you are there on packing day. Also, be sure to have your dream home professionally cleaned prior to moving in, have a plan drawn ahead of time for furniture and box placement, and plan to be the supervisor on moving day. Planning will help you settle in more quickly and what better way to help you enjoy your new home than to have a plan!

Jeanine Corcoran is the Broker and Owner of The Corcoran Connection, LLC – A Real Estate and Property Management Company. Jeanine has been helping families with their Real Estate needs since 2005. Jeanine can be reached at 407.922.3308, email her at JeanineCorcoran@gmail.com, or visit TheCorcoranConnection.com or HarmonyResales.com

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6

BUSINESS USE OF HOME DEDUCTION

One frequently overlooked deduction is the Business Use of Direct home expenses are those incurred only for the business Home Deduction claimed on Form 8829. Self-employed individ- portion of your home and are typically fully deductible. Direct uals filing a Schedule C can find the deduction particularly useful expenses can include painting and repairs only in the area used in reducing both their individual income tax and self-employment for business. tax. The deduction is made up of direct expenses and a busi- On Form 8829 you can also claim depreciation because IRS alness use percentage of the indirect expenses. lows for the depreciation of the business portion of your home.

The business use percentage is based on the porBefore electing to take this deduction, I strongly sugtion of your home or apartment used “regularly and gest taxpayers seek the advice of their tax professionExpenses for Business Your H exclusively” as your “principal place of business or al. Depreciating the business portion ofUse yourof home Form a File only with Schedule C (Form 1040). Use a separate Form 8 as a place to meet with clients.” For example, 400 could lead to future tax consequences including a home you used for business during the year.

Department of the Treasury SF out of 1,600 SF = 25% business use. The IRS capital gain when you home. a Information about Form sell 8829your and its separate instructions is at ww Internal Revenue Service (99) Name(s) of proprietor(s) also allows this deduction for the use of a separate If keeping track of the various expenses is not easy, structure not attached to your residence, such as a IRS has a Simplified Method for calculating the BusiPart I Part of Your Used for Business garage, as long as the space meets the same renessHome Use of Home Deduction. Under the Simplified 1 Area used regularly exclusively for business, for daycare, or for quirements.

Method, you and multiply the square footage regularly of the business portion inventory or product samples (see instructions) . . . . . . . . . . . . .

Indirect home office expenses subject to the business use per- of your home (up to 300 square feet) by the standard deduction 2 Total area of home . . . . . . . . . . . . . . . . . . . . . . centage include real estate taxes, home mortgage interest, in- of $5 per SF provided by the IRS. 3 Divide line 1 by line 2. Enter the result as a percentage . . . . . . . . . . surance, utilities, telephone, internet, rent, and general repairs.

Whichever method you choose the current year deduction is limFor daycare facilities not used exclusively for business, go to line 4. All others, go Since some of these expenses such as real estate taxes and your business income 4 Multiplyited daysbased used foron daycare during yearnet by hours usedbefore per daythe Business 4 home mortgage interest are also considered itemized deducUse of Home Deduction.

Other apply so 5if you 5 Total hours available for use during the year (365 days limitations x 24 hours) (seealso instructions) tions, the unused portion of these types of expenses can be line need this as or aother aspects 6 Divide 4 byassistance line 5. Enterwith the result decimal amountof. your . . income 6 tax .

7 Business percentage.

For daycare facilities not to used exclusively claimed on your Schedule A as itemized deductions. return preparation, please feel free contact us. for business, multip

8829

line 3 (enter the result as a percentage). All others, enter the amount from line 3

Part II

.

.

Figure Your Allowable Deduction

8 Enter the amount from Schedule C, line 29, plus any gain derived from the business use of minus any loss from the trade or business not derived from the business use of your home (see 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

See instructions for columns (a) and (b) before completing lines 9–21.

(a) Direct expenses

(b) Indir

Casualty losses (see instructions). . . . .

9 Deductible mortgage interest (see instructions) 10 Real estate taxes (see instructions) . . . .

11 Add lines 9, 10, and 11 . . . . . . . .

12 Multiply line 12, column (b) by line 7 . . . .

13 Add line 12, column (a) and line 13 . . . .

Subtract line 14 from line 8. If zero or less, enter -0Excess mortgage interest (see instructions) .

16 Insurance . . . . . . . . . . . .

17 Rent . . . . . . . . . . . . . .

18 Repairs and maintenance . . . . . . .

19 Utilities . . . . . . . . . . . . .

20 Other expenses (see instructions). . . . .

21 Add lines 16 through 21 . . . . . . . .

22 23 Multiply line 22, column (b) by line 7 . . . . . . . . . . .

Carryover of prior year operating expenses (see instructions) . .

24 Add line 22, column (a), line 23, and line 24 . . . . . . . . . . . . . .

Allowable operating expenses. Enter the smaller of line 15 or line 25 . . . . . .

Limit on excess casualty losses and depreciation. Subtract line 26 from line 15 . .

Excess casualty losses (see instructions) . . . . . . . . .

28 Depreciation of your home from line 41 below . . . . . . .

29 Carryover of prior year excess casualty losses and depreciation (see instructions) . . . . . . . . . . . . . . . . . . .

30 Add lines 28 through 30 . . . . . . . . . . . . . . . . . . . . .

Allowable excess casualty losses and depreciation. Enter the smaller of line 27 or line Add lines 14, 26, and 32. . . . . . . . . . . . . . . . . . . . .

Casualty loss portion, if any, from lines 14 and 32. Carry amount to Form 4684 (see in Allowable expenses for business use of your home. Subtract line 34 from line 33. and on Schedule C, line 30. If your home was used for more than one business, see instr

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8

CDD, HROA, HDC: The CDD Budget Process

by Steve Berube, Chairman, Harmony CDD

In prior columns, I’ve referred to the CDD Budget. This month, it seemed proper to explain the process because, as this is being written, there is an evening meeting to begin the work of setting the budget. This impacts you because the finality of the budget determines what your CDD fee will be for the coming year.

The budget itself is an 8 page document which consists of about 90 major line items and dozens more minor lines as well as amortization schedules and assessment methodology tables. Plus, because we are a public agency, there are about a dozen narrative pages which provide details of certain obscure line items.

Full disclosure of public financing and spending is the objective.

Tonight, the Board will sit down and go through every line and try to set an accurate dollar amount for next year’s needs. That amount is set on prior years plus the current year-to-date spending and income rates. The challenge becomes getting that correct because of the unprecedented growth you see taking place around you. As I’ve previously explained, that growth produces NO new income, but does create additional expenses.

In addition to routine spending needs, as a public agency we are burdened with many regulatory requirements. For instance, we have to pay the Tax Collector to process your CDD fees, pay for Dissemination Agents, Arbitrage Rebate Studies, Property Appraiser fees, Trustee fees, Legal & Engineering services, Audits,

General Liability Insurance, and state annual filing fees.

Beyond those costs, we have to set a Debt Service budget in order to continue paying down the 2 different sets of Bonds that were utilized to initially develop Harmony. Part of the Bond restrictions is that we must keep nearly a half million dollars in reserve in case of a default on a Bond payment. The actual repayment schedule is fixed like your home mortgage and we have refinanced both sets of Bonds in the last year which will save hundreds of thousands in interest costs over the term of repayment.

There are far more details I could go into but space limits prevail. And, it is important to know that your Resident-Supervisors spend every dollar as if it were ours personally. We go through this process to verify that this $5 million bucket of money is spent wisely. If not spent, every leftover dollar goes into reserves or fund balance for future needs. Finally, we will strive to provide no increases in CDD fees—but, reality is that growth pressures, plus the inevitable inflation, are likely to force our hand and cause fee increases. But, I can assure you that they will be minimal.

As always, should you have any questions or concerns, please feel free to contact any of your Resident-Supervisors: Kerul, Mark, Ray, David or Steve @harmonycdd.org.

9

Are These exPenses Ruining Your BuDgeT? You’ve created a picture-perfect budget

and dutifully adhered to it. Then out of the blue comes an unexpected expense. Check out a few areas you may be able to “head off” by budgeting ahead of time.

Car maintenance. Avoiding regular maintenance for the sake of your budget? Car neglect could cost you more in the long run than routine checkups. Revisit your auto records to see what a year’s worth of expenses look like. Then check with your mechanic to see if you have any milestones coming up that you need to budget for.

Food. You don’t have time to cook dinner so you hit the drivethrough on your way home from work. If this happens more often than you (or your budget) care to admit, consider adding a separate category in your budget for unexpected food expenses or dining out.

What’s your worst money habit?

Using credit cards 61% Eating out/takeout 59% Bad budgeting 49% Shopping 41% Overspending on food 32%

Children’s extracurriculars. Have you been blindsided by your daughter’s dance recital fees or your son’s piano lessons?

You’re not alone. Get a calendar out and plan for the extra funds your children need. You may even nab an early registration discount for planning ahead. Pet care. Our furry friends have needs, too. And failure to plan for them can derail even the most thoughtfully laid out budget. When budgeting, don’t forget to include a “bucket” for Fido’s routine care, prescriptions and unexpected doctor visits.

Special events.

Your best friend is getting married! It’s great news for her – potentially not great for your budget. Can you afford the bridesmaid dress, travel costs and wedding gift?

Or will you have to borrow from another category of your spending plan to make it happen?

“Your Worst Money Habit May Not Be That Bad,” Finance.yahoo.com, February 11, 2015

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He starts with a FREE Financial Needs Analysis, a very basic questionnaire he can complete in 20 minutes. It asks all the right questions to help determine the next steps you need to take on the road to a better financial future.

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13

DID YOU

KNOW

by Kerul Kassel, Ph.D.

?

DID YOU KNOW that Harmony was designed to promote the peaceful coexistence of human and animal residents within the community while striking a balance between the preservation, use and enjoyment of Harmony’s natural areas? Underlying these objectives are the values of fostering a respect for the land, the protection of wildlife and the sensible use and enjoyment of Harmony’s abundant natural and manmade amenities by its residents.

Since Europeans began settling this country, though especially in the last hundred years of development, Americans have selected plants from around the world for their homes and parks. While this has resulted in some beautiful gardens, it has also greatly reduced the amount of both native plants on which our native wildlife depends, and on the biodiversity of our ecosystems. Our local animals, birds, fish, and insects need native plants, and lots of them, to survive and reproduce. This has been documented through thousands of studies about how energy moves through food webs. Animals get their energy either directly from plants, or by eating something that has already eaten a plant. The group of animals most responsible for passing energy from plants to animals that can’t eat plants is insects. This is what makes insects such vital components of healthy ecosystems. So many animals depend on insects for food (e.g., spiders, reptiles and amphibians, rodents, 96% of all terrestrial birds) that removing insects from an ecosystem will cause it to crash. With few exceptions, only insect species that have shared a long evolutionary history with a particular plant lineage have developed the physiological adaptations required to digest the chemicals in their host’s leaves. They have specialized over time to eat only the plants sharing those particular chemicals.

Native plants are adapted to the local climate and soil conditions where they naturally occur. These important plant species provide nectar, pollen, and seeds that serve as food for native butterflies, insects, birds and other animals. Unlike natives, common horticultural plants that you buy at Home Depot, Lowe’s and Walmart do not provide energetic rewards for their visitors and often require insect pest control to survive. Native plants are also advantageous because they do not require fertilizers and require fewer pesticides and less water than lawns. Native plants help reduce air pollution, and sequester, or remove, carbon from the air, in addition to providing shelter and food for wildlife, while promoting biodiversity and stewardship of our natural heritage.

And native plants are interesting and beautiful. You can find out more at the Florida Native Plant Society’s website at http:// www.fnps.org/plants, the Florida Yards site at http://floridayards. org/fyplants/, and at the Extension Service’s web page for na-

Native Plants

tive plants at https://edis.ifas.ufl.edu/topic_native_plants, or do a web search for Florida Native Plants.

Whatever you plant, choose “the right plant for the right place.”

Consider the amount of sunlight, soil moisture, spacing, and type of soil, before you purchase. When purchasing native plants, ask about the origin of the plant. Plants that were derived from seed or plants of natural populations in other parts of the country might not perform that well in Florida. There are many beautiful native species that are underutilized or not used at all in our landscapes. Don’t let the appearance of plants in their natural habitats discourage you from using native plants. Under maintained home and park landscape conditions, these plants can express the full potential and beauty that they may not reach in some natural habitat conditions.

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July

Social Calendar

3 4 8 10

Fri.

Family Bike Ride 7:00PM at Buck Lake

Sat.

Yoga 8:00AM Town Square

Wed.

Chalk and Bubbles 6:30PM at Splash Pad instead of Town Square

Fri.

Family Bike Ride 7:00PM at Buck Lake Yoga 8:00AM Town Square

11

13 17 18 21 22 24

Sat.

Mon.

Kicken' Kickball 11AM Harmony Community School Baseball Field Hotdogs and Sno-Cones RSVP to Harmony Social Committee Swwweeetttt Board Games 7-8:30PM at Club House Patio Bring your own or play some of ours.

Dessert Potluck. Bring something sweet to share with your neighbors.

Fri.

Family Bike Ride 7:00PM at Buck Lake

Sat.

Yoga 8:00AM Town Square

Tues.

Wed. Fri.

Tie Dye Tuesday 6:30- 7:30PM at Splash Pad Bring Your own Shirt - All Ages Chalk and Bubbles 6:30PM at Splash Pad instead of Town Square Family Bike Ride 7:00PM at Buck Lake Yoga 8:00AM Town Square

25

Sat.

Slip and Slide Saturday 11:00AM Town Square All Ages Bring Towels, Swim Suits, and Sunblock Movie Night presented by Harmony Community Church 8:00 PM at Town Square - “Frozen” Summer Silly Sock Hop 5-7PM at Granddaddy's Yummy snacks will be provided.

Teens ages 12 and up Please RSVP

28

Tues.

29

Wed.

Pool Party 4:30- 5:30PM at Swim Club All Ages

31

Fri.

Family Bike Ride 7:00PM at Buck Lake

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17

Quick Reference Directory ACCOUNTANTS

Larry Herring CPA, PA 611 N. Wymore Rd Winter Park, Florida 32789 407-647-7777 www.herringcpa.com

AIR-CONDITION SERVICES Eric Farnsworth 407-921-0760 ELFarnsworth@live.com

AUTO & TRUCK DEALERS

HAIR

Victor Russell Salon 105 East 13th Street Saint Cloud, Florida 407-892-1005 www.victorrussell.com

HANDYMAN

The Good News Handyman Rick Wade 407-468-1352

HOSPITAL

Kisselback Ford 407-892-2141 1118 13th Street Saint Cloud, Florida KISSELBACKFORD.COM

Health First-Holmes Regional Health Care 1350 South Hickory Street Melbourne, Florida 32901 321-434-7000

BANK

INSURANCE

Center State Bank Karen M. Giel 4898 E. Irlo Bronson Memorial Hwy St. Cloud, Florida 34771 407-891-8396 x3782

CARPET CLEANING

Best Care Carpet Cleaning 407-891-9635 www.carpetcleaningfl.com

CHURCH’S

Harmony Community Church 10am Sundays at Harmony High School (844) 444-FBCH www.harmonycommunity.church Life Church Meeting at Narcoossee Middle School 10:10am Sundays 217-827-7986 lifechurchcfl.com

DJ SERVICES

HPE House Party Entertainment 407-738-3409 www.hpemusic.com

ELECTRICIAN

Hightower Electric, LLC 321-766-6038

FINANCIAL PLANNING AND INVESTING Steve A Mullins Primerica 1301 Bedford Dr., Ste 102 Melbourne, Florida 407-738-7479 stevamullins@primerica.com

GYM

Anytime Fitness 3380 Canoe Creek Rd. Saint Cloud, Florida 34772 407-891-9111 www.Anytimefitness.com

PARTY

Farm Bureau Michael Long 407-847-5189 www.floridafarmbureau.com Kocher Insurance LLC 1312 Illinois Ave, Suite H Saint Cloud, Florida 34769 Phone:(407) 957-1918

LAWN CARE

Triple Palm Lawns 407-957-3489 Triplepalmlawn@aim.com Weed Man 4417 13th St. Suite 182 - St. Cloud, FL 34769 (407) 979-4623

MORTGAGE

Butler Mortgage Charlene Sims 407-931-3800 X109 csims@butlermortgage.com

MOVIE THEATERS

Cinema World East of 95 on 192 next to Sam’s Club Melbourne, FL CWTheaterts.com

MUSIC LESSONS

Vocal and piano lessons Dawn Korzen text/call: (407) 301-4561 | musicinharmony2013@gmail.com

PAINTING

William “Joe” Murray 407-766-5051

PEST CONTROL

Luv A Lawn & Pest Control 407- 908-9139

PET GROOMING Beatui-fur Catrina Fornes 407-498-0652

PHOTOGRAPHER

Kristin Madden 407-744-8387 Facebook.com/KristinMaddenPhoto

PLUMBING SERVICES

Linscott Plumbing Services Wayne E. Linscott Sr 407-891-1700

POOL TABLES

Florida Game Rooms 9350 S. Orange Blossom Trail tr #12 407-859-4400 www.myfloridagamerooms.com

REAL ESTATE

The Corcoran Connection, LLC Jeanine Corcoran Owner/Broker Selling/Buying/Renting/Property Management 407-922-3308 Jeaninecorcoran @gmail.com www.thecorcoranconnection.com

RESTAURANTS

Stone Bridge Tavern The Royal Crest Room 5530 Michigan Ave Saint Cloud, Florida 34772 407-891-0903 www.stonebridgetavernandgrill.com

TIRES

NTA National Tire and Auto 304 13th Street Saint Cloud, FL 34769 407- 593-2136

TRAVEL

Meisner Cruise and Travel 407-738-7088 Meissnertravel.com Linda@meissnertravel.com

WATER SYSTEMS

Matthew Benetti Aguamaman Water Co. www.Orlando.haguewater.com 321-250-4999

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