Harmony Life September 2015

FLORIDA’S PREMIER COMMUNITY SEPTEMBER 2015

Meet Your Neighbors, The Meek 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

• September Social Calendar • 2 Points to Consider before You List Your Home • I’m New Here—What Is This CDD??

• Buy the Right Kind of Life Insurance • Chicken Soup • Manage your Business at its Best to Build Business Value

September 2015

from the

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

Editor Welcome Happy September 2015!

Join us on Facebook, just search for “Harmony Life Magazine” Harmony Life is now online. Visit www.harmonylifemagazine.com or www.QMCWorld.com We had a fantastic event at the Stonebridge Tavern last month. 40 to 50 or so residents and friends joined us on Tuesday evening August 25th for great food and refreshments. We will be doing these every couple of months. Be sure to check our calendar section for dates and times.

We welcome a new advertiser this month, Dr. Lach from Lake Nona Orthodontist. Their office is located across from Eagle Creek on Narcoossee Road in the Publix shopping center and are only Twenty-five minutes from Harmony and five minutes from Eagle Creek.

Here is a personal recommendation for one of our advertisers: I hired Corina, from Neat & Shinny Residential “green” cleaning services. All I can say is if you’ve ever thought about hiring a home cleaner, do yourself a favor and contact Corina from Neat & Shinny. Our house has never been so clean nor has it smelled so good. She only uses “green” products and is so thorough and detailed. I highly recommend!

Please mention our publication when visiting any of our advertisers.

Until October!

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 Meek Family

Meet Your Neighbors: The Meek Family What are your kids’ favorite things about was so polite and well mannered with please and thank Harmony? They love playing at the parks, the pool, and you. the splash pad.

Are there any recommendations for other Where did you move from? Kissimmee neighbors? There are a lot of talented people that live in the neighborhood. If you need something fixed or What do you miss most? I don’t miss Kissimmee, cupcakes made, buy locally. or the commute. My wife and I are only ten to fifteen minutes away from work.

Do you do any charity or non-profit work? I make cotton candy for school fund raisers as well as some What is your background? Structural Engineering organizations....I donate 100% to those organizations.

Inspection/commercial diving. I inspect bridges and large structures above and below water. Jacqueline is What do you do for fun? Spending time on the water a 3rd grade teacher. with my family and friends, as well as flying my quad copter.

What is a good early story about Harmony? Having a lot of open space for the kids to roam and play in the What is the last magazine that you have read? fields across the street from our house, which is now Underwater Magazine. the green neighborhood. Watching the deer and turkey What is the last movie that you have seen in the from our front porch every morning. theatre? Big Hero 6

Who’s on the cover? Fred & Jacqueline Meek with What is unusual or unique about Harmony, in their children Maddox and Christian. comparison to your previous home? There are so many places to visit, it never gets old. You can hike, Do you have any pets? Yes, we have three Mini swim, camp, and have a coffee and donut without ever Schnauzer’s. Oliver, Potter & Lulu. leaving the community.

When did you move to Harmony and what street What is your favorite weekend activity? Wake do you live on? We moved in 2010 and we live on Boarding and Wake Surfing with the family.

Sundrop Street.

Who is your role model and why? My father is my role model. He served 3 tours in Vietnam and 28 years in the Navy. He stood for everything that makes this a great country.

What makes you laugh? Both of my sons make me laugh with their jokes and their spunk and energy...Wish I had that kind of energy....

What do you love most about Harmony? It’s semi- Is there a neighbor experience you are most proud What else should we know about you or your remote location from town, the trails, and the friendly of? I remember there was a day that I spun cotton family? If you see us out and about in Harmony, say Hi! neighbors. candy for all of the kids in the neighborhood. Every kid

4

Two Points to Consider before You List Your Home

by Jeanine Corcoran

A

few months ago, I had written an article entitled, “Six Mistakes When Choosing a Real Estate Agent.” This month’s article will be an extension of that subject with two crucial considerations.

Consider the following: 1. Is this the right time of year to list your home? Our real estate market is most active during the spring and summer; however, because it is September, it doesn’t mean you shouldn’t list your home. There are still buyers who are relocating and buyers who still want to be in a house by the end of the year. If you are ready to list, be sure your home is in the “showready condition” which means decluttered, all repairs completed, and fresh neutral paint colors. Arrange your home to appear as close as possible to a model home.

2. Who should you hire to represent you? Choosing the right agent is paramount to receiving the best price for your home. One common

occurrence I witness many times in our industry is agents influencing sellers with words they want to hear to secure their listing. Then months pass with their home still on the market. That’s when the seller hears from the agent that their home is priced too high. Don’t fall prey to this approach!

It is human nature to be easily tempted by more money. The agent who knows your market will be straightforward and realistic about pricing. Sold comparable properties will be used to determine your listing price and there will be an effective marketing plan in place that will save you time, frustration, and most importantly – money!

If you are considering listing your home, consider the time of year, having your home “show ready” and listing with an agent that will give you the straight facts along with an effective marketing plan. In the end, you will be a much happier seller.

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.

5

Buy the Right Kind of Life Insurance

by Steve Mullins, Investment Adviser, Primerica

O

ne of the most important expenditures the average family should make is life insurance. It is also one of the most misunderstood. It is absolutely critical that you make the right decision about the kind and amount of life insurance to buy. In fact, the wisdom of your life insurance purchase could make a major difference in your family’s security, should you die, and your quality of life if you don’t.

How much is your car worth? Do you insure it? How much is your house worth? Do you insure it? How much is your life worth? Probably a lot more than your car or your house! You can’t afford not to insure your life.

What’s its purpose? Life insurance should really be called “death protection” because its purpose is to protect the family against the premature death of a breadwinner or a caregiver. It acts as a substitute for income. Calculate how much you’ll earn in your lifetime. It is a fortune isn’t it? The potential risk of losing that earning power is what makes life insurance a necessity.

Who should buy it? Mainly people who have others depending on them for income support. If you have a non-earning spouse and/or children, or some other significant financial obligation, you need life insurance. Your spouse may also need coverage, even if he or she doesn’t work, if child care or other expenses would result from the spouse’s death. If you’re single, or

have significant cash resources, you probably don’t need it. What should you buy? Inexpensive term life insurance. A common misconception about life insurance is that it is a permanent need that each family has. This is totally untrue. Most financial experts see it as a way to simply “buy time” until you accumulate savings, not as a permanent fixture in your financial program.

According to the Theory of Decreasing Responsibility, your need for life insurance peaks along with your family responsibilities. When you’re young, you buy low-cost death protection, term insurance, enough to protect the loss of your earning power, and put the maximum amount you can afford into a promising investment program. When you’re older, you may have much less need for insurance coverage. If you’ve saved and invested wisely you should have a significant amount of accumulated cash. You’ve become “self-insured” and eliminated your need for life insurance. Any questions call me for more information and ask me how you can get your free Financial Needs Analysis.

Steve brings Wall Street to Main Street Most advisers don’t offer to help Main Street Americans because most don’t have a high enough net worth. Steve will offer his services to Americans living paycheck to paycheck to those who are the savviest of investors and every one in between.

Steve teaches people how to: • Get out of debt • Save money • Send their children to college • Obtain proper protection • Prepare for retirement • And become financially independent While…

• Reducing their stress level • Improving their quality of life • Helping them enjoy life

Steve A Mullins, Harmony Resident Investment Adviser Primerica 1301 Bedford Dr. Ste. 102 Melbourne, Florida 32940 407-738-7479 steveamullins@primerica.com www.primerica.com/steveamullins

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.

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8

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.

– at least any more than a pet cat. But nobody wants to find cat poop in their landscaping beds, have their arm ripped from the socket by their dog that lunges after a free-roaming cat, or listen to the yowling and fighting of cats outside their home.

Feral cats can live 12-15 years, although there are dangers: cars, dogs, coyotes, fights with other cats, disease and parasites, and finding food and shelter. Feral cats can be tamed with a bit of effort and patience. But in a short time they can multiply their numbers by a lot if not neutered.

Harmony’s design welcomes companion animals, especially dogs and cats, in a way that allows us to enjoy our pets while also providing a safe environment for them, and for wildlife. That is why Harmony has three dog parks and why dogs and cats are prohibited from being allowed outside without being tethered to a person. We are lucky to have so many places to walk our pets (and so many convenient places to dispose of their waste) as well as let them socialize with each other. Dog park time allows neighbors to get to know one another, too. That’s how my family got to know many of our neighbors.

One feral female can lead to an entire feral colony within a year or less, and a colony can spread throughout the whole town within two or three years. All it takes is a single unneutered male cat. So, it is really important that we humanely trap all feral cats and have them neutered. It’s also really important that you keep your pet cats indoors. The Nature and Animal Committee has traps, as well as access to a low cost spay/neuter clinic. If you see feral cats in your neighborhood, please private message me on Facebook or Nextdoor.com or email me at kerul@ me.com so that we can work on getting them trapped and neutered.

Unfortunately, our pet-friendly reputation has led people from outside to dump their pets here instead of taking them to the shelter if they can no longer keep them. My family has rescued a couple of dozen dogs over the 11 years we have lived in Harmony. But it is not only dogs that have been dumped here.

As for the cat family currently migrating around town, we have several people feeding them to acclimate them enough to trap them, a foster home waiting to keep them temporarily, sponsorship for cat food, and a permanent home waiting for them at a horse farm in south Florida.

In the recent past Harmony has been seeing more and more cats outside, and in the last month or so there is even a feral mother with kittens, moving her family around the neighborhoods. Note that feral cats are not vicious, they are not dangerous (except to wild bird populations), and they are not disease carriers

We do need more neighbors who are willing to donate cat food and help pay for neutering, act as temporary foster homes or who are able to transport cats to and from the vet once they have been trapped. Please send me your contact information if you might be able to help in the future.

9

I’m New Here—What Is This CDD?? by: Steve Berube, Chairman, Harmony Community Development District

I

’ve written about this before, but there are new folks arriving in record numbers every day so this time, I’ll go a little more in-depth on the topic. The Harmony Community Development District was incorporated in 2000 and is a governmental entity similar in structure to any small town. The District has the ability to issue Bonds for construction, levy taxes, build, maintain and improve infrastructure and amenities as well as a myriad of other activities such as you would expect in a small municipality. However, the District is not provided police powers.

CDD’s are authorized primarily under Florida Statute 190 and are generally used by Developers as a tool to issue tax-exempt bonds to fund construction of areas such as Harmony. Until there are 250 voters in the CDD, said Developer is in control of the Board of Supervisors meaning the Developer has control of how that Bond money is spent. Once that 250 voter threshold is reached, transition to Resident Supervisory Boards begins; Harmony has been resident-Supervisor controlled for several years now.

The District contracts with professionals such as Property Manager which includes office staff , an Engineering firm, a Law Firm, DAVEY Commercial Grounds for landscaping, Bio-Tech for pond management and several other contractors//service providers. CDD Field Services employs 4 men—3 of whom are residents---who respond to resident service requests, clean bathrooms, empty trash and doggi-pots, replace damaged items like soccer nets, maintain the pools and provide security within those enclosures, dispatch and return boats plus a myriad of other tasks. Field Services is currently managed by resident Gerhard van Der snel.

The Board of Supervisors consists of 5 residents who are elected every two years on the same ballot that national//local elections use. The current Board consists of a Chairmanmyself, Vice-Chair Ray Walls and Supervisors Mark LeMenager, Kerul Kassel and David

Farnsworth. These elections are staggered so that only 2 or 3 seats rotate each election cycle the idea being to maintain at least some continuity should any given election bring a new person(s) to the Board.

The Board operates under a Budget prepared each year using a line-by-line analysis of several previous-years spending amounts. Currently, the Budget amounts to about $5 Million with a little over $3 million going to pay down the Bonds and the balance going to Operations and Maintenance. The single largest line item is Landscaping at about $400,000 annually followed by Street Lighting at about $380,000. WHAT?? Street lights cost $380K?? Yes they do. The reason why is this: Remember the Developer-controlled Board in the early days?

Those Boards signed long-term contracts to finance the streetlights over twenty years. While that might seem like a good idea, those contracts carry a 10.5 % interest rate. The end result is that we have a $3 Million dollar obligation for street lights and to top it all off, this obligation is off-balance-sheet. Once we became aware of this, we investigated and found out that for about $2 Million now, we can buy out the contracts; and yes, we will save about $1 Million. In fact, we just wrote a $500,000 check to wipe out the first and oldest contract. We will return the savings from that buyout to continue the buyouts of all 11 contracts. Additionally, we have changed our position in the new neighborhoods to where the CDD will no longer buy the streetlights. So, the Developer is now buying the lights in all future neighborhoods.

My recall is that we have raised Annual Fees only once in the last decade and it is our intent to continue managing spending very carefully. Once the streetlight buyout is complete, we will have significant cash freed up. But, until then, all the growth you see going on is likely to cause upward cost pressure so I’m sorry to say that fees will most likely increase though the anticipated increase(s) will cause only minor pain.

It is important to note that the Harmony Community Development District is independent of the Harmony Development Company and both of those are separate from the Harmony Residential Owners Association though all three interact in the overall management of life in Harmony. Finally, your Board is happy to answer any questions or concerns you might have. Contact Steve, Ray, Mark, Kerul or David@harmonycdd.org. Also, please visit www.harmonycdd.org for more details as well as to register for boats and other amenity information.

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11

Chicken Soup Debra Perleberg

L

ocal Harmony resident, Debra Perleberg, will be a featured author in the upcoming book Chicken Soup for the Soul: Think Possible. The book will be released October 6th and is now available for pre-order through all major booksellers.

Debra’s story, “The Leather Skirt,” was chosen from thousands of submissions worldwide and is a real-life account of how she found herself homeless after having lived in a gated community, and cashiering for minimum wage to keep the lights on after having been financially stable her entire life. With no direction, three kids to care for, and creditors gaining while friends were being lost, her situation seemed hopeless . . . until the day she saw the woman in the leather skirt. Inspired by her confidence, Debra made a decision to trade self-pity for hope--hope for success and reclaiming her life. By creating five habits and implementing them daily, Debra not only regained what she had lost but much more.

Today, Debra is an inspirational speaker and cheerleader of dreams and teaches those same principles that restored her. Regardless of one’s professional or personal arena, it is her desire to equip people with the fundamental tools of excellence, integrity, and wisdom to conquer their obstacles and move forward with their dreams. Her website is dedicated to motivating and encouraging people daily through blogs, webcasts and podcasts, which can be found at Underthepalmtrees.com.

This is not the first time Debra has been published. Last year one of her blogs was a winning article in France Magazine’s January issue. Debra and her family happily reside on Sundrop Street, where they have lived since June 2012, and consider this an exciting opportunity to showcase just some of the literary and artistic talent the Harmony community has to offer.

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13

Manage your Business at its Best to Build Business Value

When you achieve your goals, the businesses’ vision is fulfilled.

by Larry J. Herring, CPA

You can build the value of your business as it grows if you master the Rockefeller Habits.

H

The three barriers that prevent firms from moving along their growth path and building value are: Lack of Leadership, Lack of Systems and Structures, and Market Dynamics.

ow can a business perform at its best? It starts with hiring quality people. Your people need to be competent, disciplined, solution oriented and able to get along with others. Since one person is not going to be the best at everything, hiring all comes down to choosing the right person and personality type for each role.

Your process or product must constantly be improved. Work with your employees and customers for ideas to implement as these are great resources. It’s important to gather feedback from your team often to make sure you’re addressing inefficiencies and improving as you grow.

Management must communicate goals to employees and customers.

Remember, goals should be S.M.A.R.T.: specific, measurable, attainable, realistic, and timely. Management should provide clear and concise documentation of operations that must be followed. This improves efficiency and reduces room for miscommunication among your team members.

Leaders who are competent and disciplined must also have the ability to predict and delegate.

Systems and Structures must be reliable and flexible. As a business grows, it becomes geometrically more complex.

Market Dynamics sometimes requires a counter intuitive response.

Depending on the revenue levels it may be more important to focus on the marketplace, instead of internal operations.

If your business needs to improve, please contact Larry J. Herring, CPA, at 407-647-7777 for a free, no obligation consultation on what you can do today.

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