Harmony Life - December 2024

December 2024

CELEBRATING 10 YEARS!

Happy Holidays!

T H E P U B L I C AT I O N F O R T H E R E S I D E N T S O F H A R M O N Y A PUBLICATION OF QUANTUM MARKETING COMMUNICATIONS, LLC Photo: Courtesy Cherry Heck

$10K BUYER INCENTIVE

2025 HOA DUES PAID BY OWNER

WATER & CONSERVATION VIEW

LARGE BALCONY

3200 Songbird Cir 2 Bed | 2 Bath 1408 sq ft

by Jeanine Corcoran

3424 Sagebrush St 2 Bed | 2 Bath 1534 sq ft

by Jeanine Corcoran

7006 Cupseed Lane 3 Bed | 2.5 Bath 2153 sq ft

by Kristin Van der Snel

6829 Sundrop St 3 Bed | 2.5 Bath 2179 sq ft

by Jeanine Corcoran

3432 Schoolhouse Rd 4 Bed | 3.5 Bath 2175 sq ft

by Jeanine Corcoran

ASSUMABLE MORTGAGE

MULTI-GENERATIONAL LIVING

3 CAR GARAGE

3 CAR GARAGE

BUILD YOUR DREAM HOME

7023 Buttonbush Loop 3 Bed | 2.5 Bath 2382 sq ft

by Jeanine Corcoran

3426 Schoolhouse Rd 6 Bed | 3 Bath 2634 sq ft

by Jeanine Corcoran

7158 Oak Glen Trl 4 Bed | 3 Bath 2748 sq ft

by Jeanine Corcoran

BUILD YOUR DREAM HOME

BEAUTIFUL UPGRADES

IN-LAW SUITE

7161 Oak Glen Trl .24 Acres

7120 Red Lantern Dr 3 Bed | 2.5 Bath 1668 sq ft

by Jeanine Corcoran

7169 Oak Glen Trail 4 Bed | 3 Bath 2743 sq ft

by Jeanine Corcoran

FOR SALE

$325,000

FOR SALE

$425,000

FOR SALE

$333,000

FOR SALE

$449,000

FOR SALE

$345,000

FOR SALE

$625,000

PARK VIEW

FOR SALE

$375,000

FOR SALE

7166 Oak Glen Trl 4 Bed | 3 Bath 2743 sq ft

by Jeanine Corcoran

$650,000

FOR SALE

$385,000

LAND FOR SALE 7180 Oak Glen Trl .31 Acres

by Jeanine Corcoran

$165,000

LAND FOR SALE UNDER CONTRACT UNDER CONTRACT

by Jeanine Corcoran

$200,000

$285,000

$675,000

Ask us about your

Free 1-Year golf membership!

Jeanine Corcoran 1-844-Corcoran - office Broker | Owner 407-922-3308 - cell Jeanine@CorcoranConnect.com CorcoranConnect.com

Serving All of Your Real Estate Needs

LETTER FROM THE PUBLISHER

DECEMBER 2024

A publication of Quantum Marketing Communications, LLC www.QMCWorld.com

Welcome to the December 2024 edition of Harmony Life Magazine.

Merry Christmas and Happy Holidays!

PUBLISHER & CEO

Harmony Community Church CHRISTMAS EVE SERVICE December 24 at 5:00pm at the Harmony Community School

Bill Bokunic 321.331.6398 Bill@QMCWorld.com

GRAPHIC DESIGN

Dear Homeowners, The Harmony HROA is looking for volunteers for a Harmony Social Committee. This committee would meet once a quarter to brainstorm ideas for Harmony events and manage other Harmony programs like Home of the Month.

Renée Blair Blair Creative Group, Inc.

COVER PHOTOGRAPHY Cherry Heck

Requirements are: · Owner is current with HOA Dues · No current open violations Email info@myhoasolution.com for the application

CONTRIBUTORS

Jeanine Corcoran Corcoran Connect

Many Thanks, Your Board of Directors

Kerul Kassel PHD

First Nature Foundation

Rumor: We are still hearing that a Mexican restaurant is coming after the new year to the clubhouse.

Check back here or on the Harmony Residents FaceBook page for updates. Stay tuned.

Did you know that my wife, Jeanine Corcoran, puts out a weekly video and email for all the Harmony events? Send me your email address and I will add you to the list. You can always opt out at any time: Bill@QMCWorld.com Harmony Life Magazine is produced by residents for residents. Please feel free to message me directly with content and pictures: Bill@QMCWorld.com Remember to join the Facebook Harmony Residents Forum AND THE NEW, ADDITIONAL, HARMONY RESIDENTS FORUM, NO DRAMA. See you in 2025!

Bill Bokunic, Publisher Bill@QMCWorld.com

Kim Kirsch National Marketing Director, Healthcare Solutions Team The opinions expressed in the Harmony Life Magazine articles are those of the author(s) and do not reflect the opinions of Quantum Marketing Communications, Harmony Life Magazine or the Publisher.

Harmony Life Magazine, Quantum Marketing Communications, LLC and the Publisher can, in no way whatsoever, be held responsible for the content of such views, nor can it be held liable for any direct or indirect damage that may arise from such views.

All rights reserved. No part of any Quantum Marketing Communications, LLC published work may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without written permission from the publisher.

Harmony Life Magazine Harmony Residents Forum, NO DRAMA

CONTACT INFO FOR RESIDENTS CDD

HarmonyCDD.org, 407-566-1935 Dan, Jo, Lucas, Brittany or Julie @HarmonyCDD.org

SPECTRUM CABLE / INTERNET

877-892-3279

CENTURY LINK CABLE / INTERNET

866-314-4148

407-348-2222

OUC ELECTRIC

407-957-7373

HROA

Association Solutions, 811 Mabette St., Kissimmee 407-847-2280, www.MyHOASolution.com

407-605-3892

CONDOS HOA

Sentry Management, 407-846-6323

ADVANCED DISPOSAL – OSCEOLA 3501 Pug Mill Rd. Kissimmee, FL 34741 OsceolaFL@advanceddisposal.com

TOWNHOMES HOA

Association Solutions, 811 Mabette St., Kissimmee 407-847-2280, www.MyHOASolution.com

OSCEOLA COUNTY

COUNTY COMMISSIONER RICKY BOOTH

Osceola.org “Citizen Action Center” ricky.booth@osceola.org

SHERIFF, NON-EMERGENCY

KNOW YOUR HOME VALUE

Get a professional home valuation from Harmony’s Resident Expert Jeanine Corcoran.

Not computer generated, but a real-world evaluation!

Scan the QR code and get started.

No cost or obligation!

Jeanine Corcoran, Broker | Owner

Office: 1-844.Corcoran | Cell: 407.922.3308 Jeanine@CorcoranConnect.com CorcoranConnect.com Connect With Us!

Harmony Resident Since 2005

COMMERCIAL & RESIDENTIAL H LICENSED & INSURED

PROVIDING QUALITY PAINTING IN HARMONY FOR OVER 18 YEARS!

407-908-5525

We carry WORKERS COMPENSATION as well as Liability Insurance to protect our customers from being sued should there be an accident. DON’T take a risk losing your home — Your Homeowner’s Insurance does not cover painters or any contractors working on your property!!

4 Harmony Life Magazine l December 2024

and

HAPPY NEW YEAR!

Plus, ZERO Dealer Fees

HEALTHCARE

By Kim Kirsch Healthcare Solutions Team

HEALTH INSURANCE FAQS

I

n the complex landscape of healthcare, navigating the intricacies of health insurance can be a daunting task for many people. As an independent health insurance brokerage, we understand the importance of providing clarity and guidance to empower you in making informed decisions about your health coverage. Let’s talk about the top five most frequently asked health insurance questions, unraveling the mysteries and shedding light on key aspects of health insurance.

Top 5 Most Frequently Asked Health Insurance Questions 1. Is It Absolutely Necessary to Have Health Insurance?

The simple answer? YES! Health insurance is not just a financial safety net; it is a critical component of ensuring your well-being and that of your loved ones. It provides a shield against the exorbitant costs of medical care, covering hospitalizations, surgeries, prescription medications, and preventive services. Moreover, having health insurance grants you access to a network of healthcare providers, ensuring prompt and comprehensive care when you need it the most.

One of the primary advantages of health insurance is its ability to mitigate the financial burden associated with unexpected medical expenses.

Without adequate coverage, you could find yourself facing substantial bills that can jeopardize your financial stability. Health insurance is a proactive way to safeguard both your health and your finances.

2. What’s the Difference Between HMO and PPO Plans?

Understanding the distinctions between Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans is crucial when it comes to making an informed decision about your health coverage.

HMO plans typically require members to choose a primary care physician (PCP) and obtain referrals from the PCP to see specialists. These plans often have lower out-of-pocket costs but offer limited flexibility in choosing healthcare providers.

PPO plans provide greater flexibility by allowing members to see any healthcare provider without a referral. While PPO plans generally have higher premiums and out-of-pocket costs, they offer a broader network of providers and greater freedom in seeking medical care.

Choosing between an HMO and a PPO depends on your preferences for flexibility, the availability of preferred healthcare providers, and your willingness to coordinate care through a primary care physician.

6 Harmony Life Magazine l December 2024

3. Can I Get Health Insurance Even If I Have Pre-Existing Conditions?

Absolutely! Health insurance companies providing ACA-compliant plans are actually prohibited from discriminating based on pre-existing conditions. And even if you’re shopping privately, there are plenty of options comprehensive and affordable health insurance coverage. So, whether you have a chronic illness or a complicated medical history, rest assured that you can very likely find a suitable insurance plan that meets your needs.

4. What is the Role of Preventative Care When it Comes to Health Insurance?

Preventive care plays a pivotal role in health insurance by focusing on early detection and intervention to prevent the progression of diseases and promote overall well-being. Most health insurance plans cover a range of preventive services, including vaccinations, screenings, and wellness exams, without requiring cost-sharing such as copayments or deductibles.

Engaging in preventive care not only contributes to maintaining good health but also helps identify potential health concerns at an early stage when they are more manageable and less expensive to treat. By prioritizing preventive measures, individuals can take proactive steps to enhance their health and avoid the need for more extensive and costly medical interventions in the future.

5. How Do I Choose the Right Health Insurance Plan?

Choosing the right health insurance plan requires a thoughtful assessment of your unique needs and circumstances. Start by evaluating your current health status, considering any existing medical conditions, and anticipating potential healthcare needs in the coming year. Then, carefully review the coverage options available, paying attention to factors such as premiums, deductibles, copayments, and coverage limits.

If all of this sounds overwhelming, that’s okay. Health insurance can be.

That’s why it can be so helpful to work with an independent health insurance broker, like Healthcare Solutions Team. We’re here to help you get an insurance plan that perfectly aligns with your health and budget. We can take all of the hassle and stress off your plate by evaluating your unique needs, looking through all of the different products and carriers, and presenting you with the best, most affordable health insurance quotes. And our services are always free.

To speak with an expert on our team and get a free assessment, contact us today. n

Health • Disability • Long Term Care Short Term Insurance • Supplemental • Life • Medicare Dental • Vision • Small and Large Group Benefits

Call Today to Save Money on Your Healthcare & Life Insurance Kim Kirsch Insurance Broker / District Manager 407.870.3462 • kkirsch@myhst.com

24 HR EMERGENCY PLUMBING SERVICES

COMMERCIAL & RESIDENTIAL

24 HOURS A DAY 7 DAYS A WEEK

407-979-1033 • KandRPlumbingLLC.com KRPlumbing2019@gmail.com

facebook.com/KRPlumbing2019

Free 1-Year Golf Membership!

Playing the #1 Rated links course just got easier! Contact us to learn more.

Corcoran Connect and Royal St. Cloud have teamed up for a great offer.

New clients receive a one-year Individual Golf Membership with the purchase or sale of a home when using Corcoran Connect.

This is a $950 value.

For more information and details, contact us at Corcoran Connect.

Corcoran Connect 1-844-Corcoran Info@CorcoranConnect.com Restrictions: Cart fee not included. Valid for 1 year. No cash value.

Limited time offer. Non-transferable. One per family.

8 Harmony Life Magazine l December 2024

YOUR HARMONY / ST. CLOUD FLOORING, KITCHEN & BATH REMODELING SPECIALISTS

Celebrating 7 Years In St. Cloud of High-Quality Work and Exceptional Customer Service NEW FRANCHISE OWNER! VETERAN OWNED AND OPERATED

F R E E E S T I M AT E S & D E S I G N C O N S U LTAT I O N S V E T E R A N D I S C O U N T S ★ F I N A N C I N G AVA I L A B L E Installs Include Basic Furniture Moving and Haul-Away of Old Carpet

FLOORING: From hardwood to laminate, and carpet to tile, we provide a wide range of flooring options tailored to fit any home’s style and budget.

KITCHEN & BATH REMODELS: We transform kitchens and bathrooms into beautiful, stylish spaces that enhance both form and function to meet the unique needs of each homeowner.

10% OFF Any Flooring Purchase Over $3,000

Exclusively for Harmony Residents • Not To Be Combined With Other Promotions

VISIT US TODAY!

1021 N. Narcoossee Rd. • St. Cloud, FL 34771 Located Next To Domino’s

(407) 593-9481 • www.allflooringusa.com facebook.com/AllFlooringUSAofStCloudFL

10 Harmony Life Magazine l December 2024

C H AM PION

PROPE RTY M A I N T E NA NCE “CONSISTENTLY THE BEST” LAWN CARE • PAINTING • LANDSCAPING PRESSURE WASHING • HANDYMAN SERVICES Licensed & Insured • Residential & Commercial

Contact Owner & Harmony Resident, Joe Murray, for a FREE ESTIMATE Today

4 07-766-5051 ChampionPropertyMaintenanceLLC@gmail.com References available upon request.

12 Harmony Life Magazine l December 2024

A+ RATING

HARMONY, FLORIDA: LIVING WITH NATURE IN A NEW TOWN

By Harmony's Own, Anthony James Catanese

We know that Harmony is a very special place. This book tells how it was done. It started with a vision supported by science on how important regular interaction with nature and animals is to human health. This led to creating a new community whereby these interactions were incorporated at the very beginning of the development. It is intended for people who want to learn and take action. We can achieve greatness and conservation through proper development of our land. This is how to do it.

SHOP ON AMAZON: https://amzn.to/3PPsUTk

December 2024 | Harmony Life Magazine 13

KNOW YOUR HOME VALUE Get a professional home valuation from Harmony’s Resident Expert Jeanine Corcoran.

Not computer generated, but a real-world evaluation!

Scan the QR code and get started.

No cost or obligation!

Jeanine Corcoran, Broker | Owner Office: 1-844.Corcoran | Cell: 407.922.3308 Jeanine@CorcoranConnect.com

CorcoranConnect.com

M R A O N F R C E E P SOFT WASH LLC.

&

EXTERIOR HOUSE CLEANING PAVER SEALING

407-729-7567

Now Preaching Through

ROMANS

Experience Expository Verse-by-Verse Biblical Preaching and Teaching

JOIN US SUNDAYS AT 10AM SUNDAY SCHOOL AT 9AM WEDNESDAY NIGHTS

Youth (Middle School & High School)

6:30–7:45PM

HARMONY COMMUNITY SCHOOL 3365 Schoolhouse Road • St. Cloud, FL 34773 (Enter by the Library) (407) 632-5445 • harmonycommunitychurchfl@gmail.com

www.HarmonyCommunity.church

December 2024 | Harmony Life Magazine 15

QUICK REFERENCE DIRECTORY ADVERTISING & MAGAZINES Harmony Life Bill Bokunic 321-331-6398 Bill@QMCWorld.com www.QMCWorld.com

GRAPHIC DESIGN SERVICES Blair Creative Group, Inc. Renée Blair Lake Nona 321-972-3669 www.BlairCG.com

MORTGAGE LENDING Northpoint Mortgage Mike Demarse 407-712-7303 mdemarse@northpoint.com www.MikeDemarse.com

PLUMBER K&R Plumbing 24-Hour Emergency Services 407-979-1033 KRPlumbing2019@gmail.com www.KandRPlumbingLLC.com

AIR-CONDITION SERVICES Access Air Eric Farnsworth *Harmony Resident* 407-921-0760 ELFarnsworth@live.com

HOSPITAL Orlando Health St. Cloud Hospital 2906 17th St., St. Cloud 407-892-2135 www.OrlandoHealth.com

MUSIC LESSONS Harmony Performance Arts Studio Amber Lanning & Ellen Short Voice/Piano/Acting 682-936-9551

AUTO DEALER Kisselback Ford 1118 13th Street St. Cloud 407-892-2141 www.KisselbackFord.com

INSURANCE Brightway Insurance, The Sterner Agency 407-891-9361 www.BrightwaySterner.com

REAL ESTATE Corcoran Connect *Harmony Resident* Jeanine Corcoran Owner/Broker Buy/Sell/Rent/Property Mgmt.

407-953-9118 www.CorcoranConnect.com

PAINTING & PRESSURE WASHING AAA All Star Painting LLC. Commerical & Residential Licensed & Insured 407-908-5525

CHURCH Harmony Community Church Meeting 10am Sundays at Harmony Community School (844) 444-FBCH www.HarmonyCommunity.church CHIROPRACTOR Living Well Chiropractic *Harmony Resident* 4041 13th St. St. Cloud 34768 407-957-1337 www.LivingWellCFL.com GARAGE DOORS & OPENERS D.S.I. Sales / Service / Repairs 407-970-5847 dsigaragedoor@yahoo.com www.dsigaragedoorandopener.com

Gredy Insurance Brady Evans *Harmony Resident* 812-798-2199 brady@gredyinsurance.com Healthcare Solutions Team Kim Kirsch 407-870-3462 kkirsch@myhst.com Kisselback Insurance Agency Ashely Evans 321-316-3360 1118 13th St. St. Cloud 34769 LAWN SERVICE Champions Property Maintenance *Harmony Resident* Joe Murray 407-766-5051 ChampionPropertyMaintenanceLLC@gmail.com

Performance Soft Wash LLC. Exterior House Cleaning & Paver Sealing 407-729-7567 PARK Wild Florida 3301 Lake Cypress Rd. Kenansville 407-957-3135 www.WildFL.com PET GROOMING Rivera's Pet Luv Spa 407-556-3555 7264 S. Harmony Square Dr. PHOTOGRAPHY Abbey Evans Photography Weddings, Families, Newborns, Seniors www.abbeyevansphoto.com

GOLF CLUB Royal St. Cloud Golf Links 5310 Michigan Ave. St. Cloud, FL 34769 407-891-7010

REMODELING All Flooring USA & Cabinets 1021 N. Narcoosee Rd., St. Cloud Located Next to Domino's 407-593-9481 www.AllFlooringUSA.com ROOFING Hogan Roofing Corben Hogan 407-449-ROOF Office@HoganRoofs.com www.HoganRoofs.com/Refer TRAVEL Meisner Cruise and Travel *Harmony Resident* 407-738-7088 • tvlwithlinda@gmail.com Facebook: Harmony Get Aways With Meissner Travel WATER SYSTEMS Dependable Water Treatment 407-242-7150 WINE & SPIRITS Levee Liquor & Gas Now Delivering in Harmony!

718 13th St., St. Cloud 407-593-9605 www.LeveeLiquor.com

FOLLOW US ON FACEBOOK Harmony Life Magazine Harmony Residents Forum, NO DRAMA 16 Harmony Life Magazine l December 2024

Health • Disability • Long Term Care Short Term Insurance • Supplemental • Life • Medicare Dental • Vision • Small and Large Group Benefits

Call Today to Save Money on Your Healthcare & Life Insurance Kim Kirsch Insurance Broker / District Manager 407.870.3462 • kkirsch@myhst.com