Harmony Life November 2015

FLORIDA’S PREMIER COMMUNITY NOVEMBER 2015

Meet Your Neighbors, The Forte Family Photo by Christina Beasley Dalton

A publication of Quantum Marketing Communications, LLC

IN THIS ISSUE • Meet Your Neighbors • Did You Know?

• Quick Reference Directory

• November Social Calendar • First Impressions Seven Helpful Tips To Remember • Tax Effects of Divorce & Separation

• Are These Expenses Ruining Your Budget?

• Up, Up And Away As We Give Thanks • For Harmony’s New Arrivals...

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Everyone Buys a new vehicle at Ford “x” plan pricing, a price normally reserved for Ford suppliers and or Ford employees.

Please call one of our team members for full details P.S. All of the other customer incentives still apply.

Thank you.

Bobby Kisselback

It’s an inside deal, now for everyone.* *Available at participating dealers. Take new retail delivery from dealer stock by 1/4/16. See dealer for complete details.

“The Works” $29.95

plus tax

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Most Makes and Models Gas Engines Only Diesel Discounts Also Available

November 2015

from the

Bill Bokunic Publisher & CEO Quantum Marketing Communications 321..331.6398 Bill@QMCWorld.com

Publisher Welcome Happy November 2015!

Join us on Facebook--just search for “Harmony Life Magazine”.

Harmony Life is now online. Visit www.harmonylifemagazine.com or www.QMCWorld.com Please welcome our new E ditor and Production Manager, Greg Troxell.

Greg is the Editor and Production Manager for QMC. His skills in writing, media production, and community organizing are helping us connect with our readers, expand our services, refine our message, and unite residents to be actively creating community vitality. A native of Northern California, and former resident of Northern Virginia, Greg is now residing in Eagle Creek. Family-man, churchman, and businessman, he has consistently expressed his entrepreneurial strengths, skills, and energy in business and ministry – launching a rural internet company (ISP) and an espresso bar as well as creating Harmony Bible Coop, and serving as a partner in Episcopal Radio. Greg is writing a book based on his emotivational research, enjoys the outdoors, ministry, cooking, and connecting with individuals.

We are still welcoming a relatively new advertiser, Dr. Lach from Lake Nona Orthodontist. Their office is located right across from Eagle Creek on Narcoossee road in the Publix shopping center and 20 minutes from Harmony.

It’s that time of year! The Florida Health Insurance Exchange are your local Blue Cross agents in Saint Cloud. Ellen Bryan and Johanna are two excellent agents who will help you navigate through the ever changing health insurance maze. We personally use them and have a number of resident/friends who are clients as well.

Have a financial plan for your family and the future? Steve Mullins from Primerica is a supporter of Harmony Life Magazine and a resident. He is an experienced financial planner and can help you develop a financial blueprint for you and your family. See his article and ad in the magazine.

Please support our advertisers as they really bring this publication to the community!

Until December!

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

Contact Info For Residents

www.harmonycdd.org, 407-566-1935, BRIGHTHOUSE CABLE / INTERNET 877-892-3279 Steve, Ray, Mark, Kerul or David@Harmonycdd.org CENTURY LINK CABLE / INTERNET: 866-314-4148 SHERIFF NON-EMERGENCY: 407-348-2222 OUC ELECTRIC: 407-957-7373 CDD:

HROA:

First Services Residential at 866-378-1099 or FSResidential.com

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

Meet Your Neighbors

Meet The Forte Family Who’s on the cover? Greg and Becky Forte with their children, Josh, Jordan, Joy and Jessica (not pictured).

When did you move to Harmony? Three years ago.

What do you love most about Harmony? We enjoy the wide streets for riding bikes, walking trails and restaurants and shops.

What are your kids’ favorite things about Harmony? The pool, park and basketball court What is your background? Everyone is from Florida except Becky, who has lived here most of her life.

Meet Your Neighbors: The Forte Family What is unusual or unique about Harmony, in comparison to your previous home? We feel such a strong sense of community because we see our neighbors at school, the parks and outside doing activities.

What is your favorite TV Show? We have such a variety of tastes at our house so that would be hard to answer.

What makes you laugh? Our kids.

What else should we know about you or your What is your favorite weekend activity? Going to family? Greg is an amazing drummer and is a Director the pool, watching movies, trying new recipes and going of Training & Education for an aviation company. He is to church. fluent in Spanish that he learned while serving a 2 year Is there a neighbor experience you are most mission in Southern California. proud of? We just love the fact that there are always Becky has a passion for family history, scrapbooking neighbors who are willing to help out and are up for and trying out new recipes. She was a missionary in doing fun activities with us.

France and Switzerland where she learned to speak Are there any recommendations for other French. neighbors? Get out and take advantage of the many Jessica is a student at Brigham Young University in Harmony sponsored activities and amenities.

Idaho and just returned from serving a mission in Utah.

What do you do for fun? Bike riding, going to the Josh is happiest playing basketball and makes an beach and when the weather is cold we like to use our unbelievably delicious homemade apple pie. fire pit for making s’mores and tell stories.

Jordan is our gymnast and does cheer. Her team What is the last magazine that you have read? recently got highest score out of 84 teams at their Family Circle. competition last month.

What is the last movie that you have seen in the Joy would ride horses everyday if she didn’t have to go theatre? The Martian. to school and is developing her artistic abilities.

Who is your role model and why? Family and friends who live their faith and are kind to others.

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4

First Impressions

Seven Helpful Tips to Remember

by Jeanine Corcoran

W

hen preparing to sell your home, remember first impressions as seen by the buyers are most important and sets the tone for their whole viewing experience. When a buyer is walking towards your home, he/she is already asking ‘could I live here?’ You, as the seller, need to do everything you can to ensure the buyer says yes to that question! Follow these seven helpful tips to make a great first impression:

1. Landscaping. Your lawn, flower beds and hedges should be trimmed and look healthy. Adding new mulch and fresh flowers help with curb appeal.

6. Windows. Be sure to clean all of your windows until they sparkle.

7. Front door. Think about giving your front door a new coat of paint and replacing the hardware to make it appear as appealing as possible. You want the buyer to feel welcome.

Your main goal for making a great first impression is to make your property appealing and inviting to the buyer and to show you care about your home.

By taking the time to follow these seven tips is the first step to getting the buyer to fall in love with your home. Then when they ask themselves ‘could I live here’ the answer will be undoubtedly YES!

2. Walkway. The walkway should be inviting. Be sure it is clean. Pressure wash or paint your walkway to make it clean and bright.

3. Flower pots. Consider adding large potted flowers near the front door and a new welcome mat. This helps your entrance look cheerful.

4. Clutter. Be sure to remove all clutter near the entrance. Get rid of empty plant pots, toys or any other items that don’t belong.

5. Exterior lighting. Exterior lighting must be in good shape and clean.

Replace lighting if necessary and consider adding lighting to enhance flower beds and/or walkways.

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 is Barbara Corcoran’s sister from ABC’s SHARK TANK. Jeanine can be reached at 407.922.3308, email her at JeanineCorcoran@gmail.com, or visit TheCorcoranConnection.com.

6

Tax Effects of Divorce & Separation

by Larry J. Herring, CPA

D

ivorce and separation is a pretty grim topic but let’s face it - it is not a rare occurrence in the U.S. With everything else to consider during this unfortunate event, your personal income taxes might not be on the forefront of your mind. But this life event, whether during or after, will have a significantly impact on your tax return. When it comes to divorce or separation, here are some things to take into consideration: Name change – If you change your name, please notify the Social Security Administration (SSA). This will prevent delays and rejections when filing your tax return since the name on your tax return must match the SSA records.

Alimony – If you receive alimony from your spouse, it is taxable in the year you receive it. If you make alimony payment to a spouse, it may be deductible as alimony but only if you are required under a divorce or separate decree or written separation agreement.

Child support – Child support is neither deductible if you pay nor taxable if you receive it.

Filing status – If you are in the middle of a divorce or separation your filing status is typically Married Filing Separate (MFS) unless you and your spouse mutually agrees to file Married Filing Jointly generally for the better tax outcome. MFS status comes with a higher taxes and the loss of useful deductions, such as student interest deduction and child tax credits. It is important to be the first to file when filing MFS. If one MFS spouse itemizes their personal deductions, then the second spouse to file must also itemize personal deductions whether or not the standard deduction has a better tax benefit. You may file Head of Household (HOH), which have favorable tax rates over MFS, and single but remember you must first qualify with one of the qualifications being “considered unmarried” which do not necessarily mean you are unmarried. See the IRS.gov website for all the requirements to file HOH. Claiming dependents – Who claims which child as a dependent may be the most argued personal income tax issue amongst separated or divorced spouses because between the child tax credits or dependent care credits and the personal exemptions claiming a child as a dependent has its tax advantages that can potentially save you huge bucks. I advise to have in your divorce or separation agreement a paragraph outlining exactly who claims which child to avoid any confusion or stress.

We have numerous clients who have either already been through or are currently going through a divorce or separation. Tax planning is beneficial in these cases and we can help.

8

Are These Expenses Ruining Your Budget

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Y

ou’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.

Children’s extracurriculars. Have you been blind sided 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?

Food. You don’t have time to cook dinner so you hit the drive-through 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.

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On a scale from 1 to 10, with 10 being the highest, how motivated are you to accomplish some or all of the things above?

If Steve can put together a plan that helps you accomplish some or all of those things, are you ready to get started? Steve takes an educational approach, and he offers sophisticated financial tools to the Middle Market for free.

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.

10

Up, Up And Away As We Give Thanks.

by Mike Stancil, Pastor Life Church Sunday 10:10am Narcoossee Middle School

T

he scene is Britain, World War 2 is raging. Airstrips for bombardiers are often little more than European farm fields crawling with field mice. Many times these mice would make their way to the engine compartments of the fighters and bombers of the Allied forces. You would not think that a field mouse weighing in at just over one half of a pound would present much of a problem for a fighter plane weighing in at almost four tons. In fact they did, instrument malfunctions, leaks and even engine malfunction caused pilots to crash all over Europe. The problem became so severe that a special rodent protocol was developed to train pilots to deal with the problems of rodents that would inhabit their aircraft.

It was discovered that the mice could not survive above a certain altitude. If mice where detected the pilots were trained to change the attitude of the plane in order to ascend past the prescribed altitude at which the rodents would not survive. The attitude is the position of

the nose of the aircraft as it relates to the tail of the aircraft. Attitude up means ascent. Attitude down means descent.

Life can be a lot like that. We have tons of things that are going for us and small problems that tend to demand all of our focus.

Just as those pilots in World War 2, we must learn to change our attitude and ascend to an altitude that leaves our problems far behind. Thanksgiving can accomplish this goal.

When we give thanks our attitude determines our altitude. We soar higher and higher until the problems finally fade from sight and many times die completely in the presence of all that we have to be thankful for. When we give thanks our attitude begins to determine our altitude. We soar higher and higher until the problems finally fade from sight and many times die completely in the presence of all that we have to be thankful for.

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12

For Harmony’s New Arrivals...

by: Steve Berube, Chairman, Harmony Community Development District

L

ike most of the Board Members here, I receive questions, inquiries and comments from residents. As new residents continue to arrive in record numbers, some of the questions clearly indicate that people are confused about the various entities that residents must interact with; and, though I’ve written on this subject previously, I think the time is right to update it.

First is the Harmony Community Development District (CDD.) The CDD controls all of the park areas, ponds, pool areas, boats and a wide variety of open areas as well as miscellaneous other items such as the issuance of keycards for access to secure areas. The CDD is governed by a Board of Supervisors, all 5 of whom are elected residents. All owners must pay CDD Fees and those fees pay for both ongoing Operation & Maintenance as well as construction bond repayments. It is important to remember that the CDD has no responsibility for individual homes or other private property. The CDD employs 4 staffers, 3 of whom are residents, to maintain nearly all of its property through Harmony Field Services. More information can be found at www.HarmonyCDD.org.

Next, the Harmony Residential Owners Assn (HROA.) As with the CDD, all owners must belong to the HROA which governs the appearance and maintenance of individual homes, condos, townhomes and certain other private, personal property.

The prime function of the HROA is to maintain the appearance of Harmony and Property Manager Rose Meister from First Services Residential is the front-line

person in this endeavor. The HROA is governed by a Board of Directors consisting of 5 members, 3 of whom are Harmony Development Company appointees and 2 are residents. The day-to-day activities of the HROA and its various Committees are governed by the 3 person (all resident) Management Advisory Committee (MAC). Some of these Committees include the Social/Activities Committee, Design Committee which administers the required requests for exterior architectural changes, Covenants Committee which holds hearings for residents who dispute their violation letters, Garden Committee and a few other sub-committees as well. As Harmony matures, the HROA is handling additional resident-driven needs such as the Commercial Vehicle Parking area. Owners in Ashley Park also must belong to their respective condo/townhome associations currently managed by either Sentry or Titan. More information can be found at www.harmonyfl.com or www.FirstServicesResidential.com.

The Harmony Development Company (HDC) is the local Development business of Starwood Land Ventures, a national land development company. HDC owns most of the open areas still ready for development and prepares large swaths of said lands for sale to builders after making them construction-ready. So, all of the construction you see taking place is driven and managed by HDC. HDC is also the owner of such facilities as the Golf Club building, Sales & Information Center and the business buildings in the Town Center. HDC has no control over any individual home or other personal property. It is important to note that HDC pays both CDD and HROA fees on all the land it owns and has done so since buying Harmony back in 2005. That is significant because the cost of maintaining those payments has been in the millions of dollars through the years of the real-estate slowdown. Had HDC decided to walk away, owners’ CDD and HROA obligations would have risen exponentially to cover the various obligations. More information at www.harmonyfl.com.

14

DID YOU KNOW? by: Kerul Kassel PHD, Harmony CDD Board Member

D

ID 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 man made amenities by its residents.

Harmony incorporates natural and human-built environments that blend in ways designed to enhance the relationships between humans and animals and maximize the benefits of their peaceful coexistence. While retaining natural areas, Harmony is part of a human-dominated landscape where our actions profoundly affect the welfare of wild animals.

The welfare of wild animals is why cats and dogs are not permitted outside untethered, and why dogs are allowed off-leash only in the dog parks. But we love our pets in Harmony, and we look out for their welfare, too. Whether it is wild raccoons, possums, armadillos, cranes, turkey or deer, or stray cats or escaped – or even on-leash - dogs, animals will find their way onto our properties, so the use of poisons and highly toxic pesticides (for everything from fire ants and mole crickets to rats and beyond) and herbicides (like weed killers or preventatives) should only very rarely be used, and used only when other, less dangerous, methods have been tried first (and maybe second and third).

It’s very likely that I’m not the only pet owner who has had near-panic moments when my dogs have, in a flash, grabbed some granules or powders from my

neighbors’ lawns or sidewalks as we pass by on our way to the dog park. This has led to some very worried minutes of hurriedly attempting to find out how toxic the product was and measures to take to avoid poisoning. That’s why it’s so important when using fertilizers that contain weed-killers and –preventatives, use caution to prevent spread of or remove the product from remaining on sidewalks, as the toxins can be absorbed through the toe pads of dogs walking on those surfaces, or by dogs licking their feet afterwards.

Keeping trash cans inside until near daylight the morning of pickup, refraining from intentionally or inadvertently feeding wildlife, and keeping garage doors closed at night are some methods to reduce the attraction of unwanted wildlife. Using more native Florida plants which are already adapted for our conditions, as well as our pests, and selecting plants appropriate for the moisture and sun level of the planting area will result in less need for pesticides and herbicides.

If you feel you must use toxic products, please be considerate of your neighbors and their pets, and do put markers out to indicate the use of such products so other residents can exercise caution to keep their kids and their pets away from those areas. Let’s continue to keep Harmony green!

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

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

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

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

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

HANDYMAN The Good News Handyman - Rick Wade 407-468-1352

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

HEALTH INSURANCE The Florida Health Insurance Exchange 1712 E 192 Saint Cloud Fl 34771 407-892-5500

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

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

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 Edward Jones Kerry L. Scott 4725 Old Canoe Creek Rd Saint Cloud, Florida 34769 407-498-0147 Primerica Steve A Mullins 1301 Bedford Dr., Ste 102 Melbourne, Florida 407-738-7479 steveamullins@primerica. com GRAPHIC & WEB DESIGN Energy Graphics Shannon Danford 407-267-6300 www.Energy-Graphics.com

HOUSE CLEANING Neat & Shinny 407-334-5614 www.neatnshiny.com INSURANCE Farm Bureau Michael Long 407-847-5189 www.floridafarmbureau.com Kocher Insurance LLC 1312 Illinois Ave, Suite H Saint Cloud, Florida 34769 (407) 957-1918 kocherinsurance.com 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 MOVIE THEATERS Cinema World East of 95 on 192 next to Sam’s Club Melbourne, FL CWTheaters.com MUSIC LESSONS Vocal & Piano Lessons Dawn Korzen text/call: (407) 301-4561 musicinharmony2013@ gmail.com ORTHODONTIST Lake Nona Orthodontic Dr. Lach 13832 Narcoossee Rd Suite B101, Orlando, FL 32827 407-359-1960

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