Harmony Life October 2015

FLORIDA’S PREMIER COMMUNITY OCTOBER 2015

Meet Your Neighbors, The Mullins 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

• October Social Calendar • Are Interest Rates Rising?

• Here are 8 Ways to Increase Profits

• The Three “Ds” of Investing • October 31st brought to you by God. Enjoy!!!

• The HROA and the MAC

Hello From Kisselback Ford.

In this month’s issue, in addition to our savings below, I am reaching out to your community to see if you or anyone you might know is interested in an Administrative Assistant position.

I am looking to ad the position to the dealership, working as my assistant with Administrative, HR and Marketing responsibilities. If you are interested please send your info/resume to me at Kiss@kisselbackford.com.

Thank you.

Bobby Kisselback

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October 2015

from the

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

Editor Welcome Happy October 2015!

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

Harmony Life is now online. Visit www.harmonylifemagazine.com or www.QMCWorld.com This month we welcome a few new advertisers and supporters to Harmony Life Magazine.

Making an appearance is the Florida Health Insurance Exchange, your local Blue Cross agents in Saint Cloud. Ellen Bryan and Johanna Cardile are two excellent agents that will help you navigate through the ever changing health insurance maze. We personally use them and have a number of resident/friends that are clients as well. They are highly recommended!

Steve Mullins and family are featured on the cover. Steve 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.

Harmony resident Tim Wilson is holding an educational workshop for Medicare options. If you have Medicare, are turning 65, or have a relative/parent in that category, this event is for you! It is October 17th 10am at Granddaddy’s Check out the monthly calendar for all the great events and fun Halloween activities happening this month.

Please mention our publication when visiting any of our advertisers.

Until November!

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 Your Neighbors: The Mullins Family Where did you move from? Celebration , FL What do you miss most? All the activities.

What is your background? I’m a financial advisor with Primerica and Susan works at the Ritz Carlton.

Meet The Mullins Family Who’s on the cover? Steve & Susan with their children Kaila, thirteen and Brooke, twelve.

Do you have any pets? Yes, we have three Sasha and Ivory are English Bulldogs and then Nibbles our Chinchilla.

When did you move to Harmony and what street do you live on? We moved in 2013 and we live on Blazing Star Ln.

What do you do for fun? Church outings, beach, golf What is the last magazine that you have read?

Forbes and Susan read Cooking Light.

What is the last movie that you have seen in the What is a good early story about Harmony? The theatre? Ice Age, but Sue and the girls saw Fantastic 4. first few weeks we lived here we didnt have cable. So Who is your role model and why? We both say our every day after dinner we would walk the trails. dads. They are both hard working, loving, honest and What is unusual or unique about Harmony, in godly men. comparison to your previous home? Less tourists!

What is your favorite TV Show? I don’t watch TV Quieter lifestyle!

Susan and the girls is Once Upon a Time.

What is your favorite weekend activity? Church, What makes you laugh? When the Packers, Steelers, beach and golf.

White Sox or Cardinals lose!

Is there a neighbor experience you are most proud What else should we know about you or your of? Steve Berube lending us his tools without ever family? We are originally from the Chicagoland area meeting us. And Brad Seelbach helping us install our but got sick of the cold weather and moved to the Virgin flooring.

Islands before moving to Florida which we love! But the Are there any recommendations for other thing we want people to know most about our family is neighbors? Attend the Harmony activities. Everyone that God comes first in our lives. And we hope to obey comes here for the community but so few become His word “Love thy neighbor as yourself”. apart of it.

Do you do any charity or non-profit work?

What do you love most about Harmony? The I volunteer at church and Susan and the girls at Supplies quietness and nature and great neighbors neighbors. for the GI’s.

What are your kids’ favorite things about Do you have a cause or business that you would like to promote? Yes! See my ad in the magazine and Harmony? Horses, golf course, and nature. call me for a free Financial Needs Analysis.

4

Are Interest Rates Rising?

by Jeanine Corcoran

I

f you read the newspaper or watch the news, the experts are talking about interest rates and how they are expected to rise possibly before the end of the year. What does this mean to you? If you’re an owner and you’re thinking of refinancing, you should do so now before the mortgage interest rate goes up. The difference in savings to you on a rate of 3.83% versus 4.83% is almost $60.00 a month for every $100,000 you borrow.

On a $300,000 loan, that’s $180.00 a month or more than $2,000 per year.

If you’re a buyer, the rising interest rates may be the difference of whether or not you can afford your monthly payment. If you’ve been on the fence about purchasing, don’t wait. Waiting can cost you thousands of dollars -more than $60,000 actually, over the life of the loan but more importantly, your monthly payment may be significantly higher. Think of what this can do to your purchasing power.

Prior to 2011, the last time mortgage interest rates were below 4% was in the 1950’s. The mortgage interest rate now is at 3.83% which is still historically low. Whether you are a homeowner looking to refinance or a buyer looking to purchase, take advantage of the low rates while they are still here and before it’s too late.

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.

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6

Here are 8 Ways to Increase Profits

by Larry J. Herring, CPA

Benchmarks are developed from prior history or industry statistics. KPI’S are most effective when compared to benchmarks. Use KPI’s as a team builder and productivity tool for each department.

Communication systems and how you treat your people are critical to performance.

Use employee feedback to improve your profitability and overall performance.

N

o matter what size client I am working with, there are always questions regarding practices they can implement to increase sales and profitability. The usually suggest the following:

Your employees want and need to be rewarded. How, when and how much depends upon their productivity. Pension plans, cafeteria plans, employee insurance plans and non-qualified plans reward employees for extraordinary performance.

Goal setting almost universally improves performance. Establishing business goals involves a reasonable amount of introspection into what makes your business work and what you want its future to be.

Develop an alliance with other businesses that reach the same prospects as you.

Concentrate your marketing efforts to gain the maximum from your promotion.

Develop a customized marketing plan for your business. Use social media as a marketing tool to reach new customers and foster customer loyalty.

Grow revenue in ways that are not dependent upon gaining new customers. For example, upselling existing customers or reducing customer attrition.

What do all the numbers really tell you about your business? What drives profitability and how can you measure these factors? These are key performance indicators (KPI’s). It is important to have management focus on KPI’s as they are used to evaluate factors that are critical to the success of a business. KPI’s differ depending on the type of business. Some examples include a customer loyalty metric or a net revenue metric. What you can measure, you can manage. What you can manage, you can leverage.

The use of technology to streamline internal processes and to improve the external link employees have with customers is of key interest. Utilize the latest breakthroughs in technology applicable to your company.

If you have any questions regarding the above please feel free to call Jennifer Lutz at Larry Herring, CPA, PA, , at 407-647-7777. For any of our other services please contact Larry J. Herring, CPA, PA, at 407-647-7777 for a free, no obligation consultation on how we can help you today.

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8

The Three “Ds” of Investing

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by Steve Mullins, Investment Adviser, Primerica A good way to keep your focus on your goals is to remember the three ‘’Ds” of investing: Dollar-Cost Averaging, Discipline and Diversification.

Dollar Cost Averaging Dollar-cost averaging means investing a certain fixed amount each month, regardless of what’s happening in the stock market. This eliminates having to predict when to invest as you will be able to take advantage of the market highs and lows - by purchasing fewer units when the prices are high and more units when the prices are low.

While dollar-cost averaging can’t assure a profit or protect against loss, it does show how a systematic investing plan, sustained over a period of time has the potential to pay off, relieving your worries about whether the market is up or down.

Discipline By staying focused and staying invested through all market activity, you can increase your long­ term potential because missing even a handful of the best-performing days in the market over time can considerably diminish your returns. Experts say market ‘’timing” is a bad way to invest.

The key is to maintain a long-term view and stay focused on your goals.

Diversification Because there is no single, perfect investment, take advantage of the next best thing which is to build your portfolio by balancing a variety of investments. Together these investments help you achieve your goals and reduce your portfolio’s risk. This may also work to increase returns by offsetting losses in one asset class with an opportunity for gains in another. Diversification does not assure a profit or protect against loss.

An investor should consider a mutual fund’s risks, investment objectives, and fee expenses carefully before investing. The prospectus contains this and other information about the mutual fund. You may obtain a prospectus from your PFS Investments representative or by contacting PFS Investments at 770-381-1000.

You should read and consider the prospectus carefully before investing.

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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

October 31st brought to you by God. Enjoy!!!

B

elieve it or not God made Halloween! Ps 118:24 says

My Grandmother used to say “Don’t throw the baby out with the bath water.” I will admit I was somewhat troubled by my grandmother talking about throwing babies at all but overtime I came to understand what she meant. Don’t loose the good because you are afraid of the bad.

That’s right, God made Halloween, also known as October 31st. The author of every sunrise smiles at the dawn on October 31 just as he smiles on every other day that He gloriously creates. We should celebrate Halloween just as we should celebrate every other day given to us by God. Don’t tell any other Christians that I said this but since it’s just us, “HAPPY HALLOWEEN!”

My dad later would adopt, “Eat the chicken and throw away the bones.” The old television show used to say, “You take the good. You take the bad. You take ‘em both and then you have the facts of life.”

The fact is a thing cannot be good or bad, it’s what you do with it that makes the difference and so it is with a day. A day created by a good God cannot be a bad thing so celebrate every day as a gift from God. Remember that the Bible says in 2 Corinthians 6:2 “now is the day of salvation.” Every day is a good day to celebrate and share the good news that God has come and that we can know him.

“This is the day the Lord has made; We will rejoice and be glad in it.” I once performed an experiment where for an entire year, I read this verse each day, and believe it or not, there was not a single day of the year when it disappeared.

I am not ignorant of the Druid origins of this historically Celtic holiday or the sacrifices made to imaginary gods in antiquity. Nor am I ignorant of the modern claims of Wicca on October 31 but none of that changes the fact that “this is the day that God made” so let’s rejoice and be glad in this day.

Why is it that once something is used for evil the good people quickly abandon it? The abuse of a thing does not make the thing itself bad.

Everything is created by God and is intended for our good and his glory. I love candy, celebrations and happy children and I believe that God does too.

So forget Fall Festival, Harvest Festival, Family Festival and every other covert Halloween party renamed by churches across this country.

Happy Halloween from Pastor Mike and Life Church. I hope that you will join us on the town square October 31 from 6-9 for live music, candy, games and hayrides as we celebrate this day that the LORD has made.

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12

The HROA and the MAC by: Steve Berube, Chairman, Harmony Community Development District

R

ecently, the Harmony Residential Owners Association held its first-ever election which placed an ELECTED Resident on the Board of Directors signaling the beginning of a shift to owner control of the HROA. Hopefully, this shift in direction turns out to be a good thing as horror stories of HOA’s that get out of control are legendary.

But, I’m confident that cool heads will prevail here and things will continue on the track they are now on. Congratulations to Eva Horner on her election to the Board.

A more subtle change was also ushered in with this election and that is the creation of the Management Advisory Committee. This MAC consists of myself by virtue of being the second-highest vote getter in the election, Carl Fsadni by virtue of his being a resident Director, and the aforementioned Eva Horner also by virtue of her being a resident Director. So, the MAC consists of 3 residents who will handle virtually all of the day-to-day operations of the HROA. As the transition continues, all of the various Committees—such as Garden, Activities, Design, Covenants and others—will report to the MAC on a regular basis. The MAC will provide guidance, assist with

formulating budgets, adjust and modify operating guidelines and then the MAC will report to the full Board as needed to comply with HOA statutes and guidelines. Final decisions such as Annual Budgets will obviously still be finalized by the Board of Directors but will be strongly influenced by the MAC. Reading between the lines, one can see that the Developer continues to force residents to prepare for the inevitable future which is the day that the Developer is finished developing this area of Harmony. And, that day will arrive sooner than later with the current pace of sales here. So, some will grumble that things are changing in Harmony and blame the Developer for those changes. But, in reality, the future is arriving far faster than one might have imagined just a short time ago and we, the residents, are being handed the ability to guide that future in a direction that we want. Kudos to the Developer for recognizing this fact and allowing us this chance to reshape things.

As we move forward with future elections, it is important to remember that, just like on the national level, elections do have consequences.

This HROA election drew less than 15% of the ownership to vote which is sad. Going forward, I would hope that people get more deeply involved in elections and really try to understand the needs of the future as well as to know the people trying to get elected to shape that future. And, all the Committees will need residents to volunteer their time to keep things moving forward. Please consider doing so.

Our future has arrived—let’s make it better together!!

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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 manmade amenities by its residents.

cool weather plants for the winter growing season (watch out for frosts, though, especially with the more tender plants). Geraniums, petunias, and pansies thrive in cool weather.

It’s October, and with temperatures starting to moderate a bit, it may be fun to experiment with some herbs, flowers, or vegetables. University of Florida IFAS Extension Service offers some great resources, including a planting calendar: http:// Opportunities to connect with nature abound in Harmony, but you don’t need to go solutionsforyourlife.ufl.edu/lawn_and_garden/calendar/ A wide range of herbs can far afield to interact with and observe nature. It can be as close as your backyard or be planted from seeds or plants this month. Some to try are parsley, cilantro, chives, even your kitchen window sill. Growing your own vegetables, herbs, and flowers can garlic, and sage. Plant crops now that will grow and produce throughout the winter be a rewarding and tasty experience, one that offers low effort but high interactivity. months. This includes beet, Brussels sprout, carrot, and onion.

You don’t necessarily need a plot down at the Harmony Community Garden, Between May and September in Central Florida, temperatures are so warm that especially if your time is limited. Caring for seedlings purchased from local stores is many plants are unable to tolerate the heat; it never gets cool enough at night for generally easiest, if you’re a beginner. Starting plants from seed requires more care them, and they perish. Did you know that there are some vegetables and flowers and attention but brings great rewards (and lower expense) as you can watch the that are best grown in warmer weather, and some that require cooler conditions? process of germination and growth.

Veggies such as peppers, tomatoes, cucumbers, and zucchini work best in the spring and fall months. Ornamental plants such as periwinkle, salvia, and caladium work You can grow some of these plants in a small backyard plot. Another option is to well over the spring, summer, and fall. Lettuce, peas, broccoli, and cabbage are grow in pots or containers on your patio or porch, which will allow you to bring your plants into your garage or house to protect them from frost damage on very chilly nights (or cover them with sheets or blankets, not plastic). Even easier may be to try growing some herbs on your window sills. Be sure to closely follow instructions on the seed package or seedling tags, as some plants need more or less light, moisture, and fertilizer than others. There are lots of online resources through UF IFAS Extension Service and many accomplished Harmony gardeners that would be happy to offer some advice. Start small and experiment...and see what grows.

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 [[[ %R]XMQIƙXRIWW GSQ

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

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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 PMJIGLYVGLGƚ GSQ DJ SERVICES HPE House Party Entertainment 407-738-3409 www.hpemusic.com ELECTRICIAN ,MKLXS[IV )PIGXVMG 00' 321-766-6038 FINANCIAL PLANNING AND INVESTING )H[EVH .SRIW 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

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