Harmony Life - July 2017

FLORIDA’S PREMIER COMMUNITY July 2017

MEET YOUR NEIGHBORS, THE WIENBARGS Photo by Jen Dwyer A publication of Quantum Marketing Communications, LLC

When you have tonsil problems, allergies, or a sinus condition, you shouldn’t have to wait weeks to see a specialist. So it’s good to

Communication, Integrity, Service and Competence

know that Thuong Trinh, D.O., is here to treat patients of all ages.

To schedule an appointment, visit

Wills, Trusts and Estate Planning

StCloudPhysicians.com or call 407-992-9229.

• Will Drafting and Codicils • Trust Creation and Amendments • Succession Planning • Powers of Attorney • Health Care Surrogates • Living Wills and Advance Directives

Part of St. Cloud Physician Management

1525 Budinger Avenue • St. Cloud, FL 34769

Probate and Trust Administration

SOMETIMES YOUR

• Formal and Summary Probate Administration • Ancillary Administration for Non-Residents • Managing Assets and Paying Debts of the Estate • Administering Estates Without a Will • Trust Administration • Inheritance and Beneficiary Representation

EARS, NOSE, OR THROAT CAN’T WAIT.

Real Estate Law

• Residential and Commercial Real Estate Closing • Land Contracts and Purchase Agreements • Title Insurance and Escrow Services • Quiet Title Actions • Tax Free (1031) Exchanges • Mortgage and Loan Modifications • Lease Agreements and Commercial Evictions

Immigration Law

ONLINE SCHEDULING IS NOW AVAILABLE.

No need to wait!

Online scheduling is now available at

StCloudPhysicians.com.

Business and Family Immigration Services Visas: Green Cards: E-2 Treaty Investors (Permanent Residence) H-1B Specialty Occupation Family Cases L-1 lntracompany Transferees Extraoridinary Ability 0-1 Extraoridinary Ability Labor Certification – PERM TN – (NAFTA) Managers and Executives K-1 Fiancee National Interest Waivers

407.847.5151 www.omcflaw.com info@omcflaw.com

100 Church Street • Kissimmee, FL 34741

FROM THE PUBLISHER, BILL BOKUNIC PUBLISHER & CEO WELCOME TO JULY 2017!

Harmony has a nice garden area for residents to use. There are 3 lot sizes: small 4’x8’, medium 8’x 12/15’, large 8’x24/30’. The annual dues are $25, $50, & $100 respectively. The calendar year begins October. The dues cover free water, soil, chemicals for bugs & fungus, shed with garden tools, portable toilet, wheelbarrows and a place for garden waste. They have classes on gardening in the fall. There is a schoolhouse for the children to play in and tables and benches for picnics.

Bill Bokunic Quantum Marketing Communications, LLC 321.331.6398 Bill@QMCWorld.com www.QMCWorld.com Harmony Life Magazine

For more information, contact Marylin Ash-Mower by email at: thegardenatharmony@yahoo.com.

The Corcoran Connection has a full-service property Management Company with an onsite Manager right here in Harmony. If you are thinking of renting your home or know someone who is an out of area owner, please allow us the opportunity to show how property management should be done.

We provide a higher level of customer service to create real value for your Harmony investment!

Please contact me, Bill Bokunic, for more information.

321-331-6398 Bill@TheCorcoranConnection.com

Contact Info for Residents CDD HarmonyCDD.org, 407-566-1935

Steve, Ray, Mark, Kerul or David@HarmonyCDD.org SHERIFF, NON-EMERGENCY 407-348-2222

SPECTRUM CABLE / INTERNET

877-892-3279

CENTURY LINK CABLE / INTERNET

866-314-4148

OUC ELECTRIC

407-957-7373

HROA

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

WASTE MANAGEMENT TRASH PICKUP 407-843-7370

CONDOS HOA

Sentry Management, 407-846-6323

TOWNHOMES HOA HARMONY DEVELOPER OFFICE

TITAN Management, 407-705-2190

OSCEOLA COUNTY

Osceola.org “Citizen Action Center”

COUNTY COMMISSIONER FRED HAWKINS

fhaw@osceola.org

407-891-8358, HarmonyFL.com

July 2017 | Harmony Life Magazine 1

MEET YOUR NEIGHBORS: THE WIENBARGS What do you love most about Harmony?

Nature, community, neighbors and fun activities.

What are your kids’ favorite things about Harmony? Coming to visit the warmer weather.

Where did you move from? North Georgia.

What do you miss most? Family, but they visit often.

What is your background? I have been in sales my entire career and am currently a Sales Manager for ULINE in central and north Florida. l-r: Cheryl Aldridge, Mark and Lori Wienbarg

What is…

Your name? Mark Wienbarg Your spouse’s name? Lori Wienbarg Your children’s names? Ashleigh Koontz and Katelyn Wienbarg (not pictured) Your mother’s name? Cheryl Aldridge (Meme) When did you move to Harmony? August 2015.

What street do you live on? Dark Sky Drive and soon to be moving to Indian Grass.

2 Harmony Life Magazine | July 2017

What is a good story about Harmony? Our first weekend we visited Champions Grill and met several new neighbors that have become dear friends. We have felt welcomed from day one.

What is unusual or unique about Harmony, in comparison to your previous home? How well everything is maintained and the strong sense of community within the neighborhood.

What is your favorite weekend activity?

Saturday morning pickleball and long walks in the neighborhood.

Is there a neighbor experience you are most proud of? During the hurricane last year, all of our neighbors were in communication with each other to make sure everyone was safe and taken care of.

What do you do for fun? We like to take short day trips throughout the State of Florida because there are so many great places to go and explore.

What is the last movie that you have seen in the theatre? We don’t go to the movies much but we do watch a lot of NETFLIX and movies on demand. “The Founder” was the last movie we enjoyed watching.

What else should we know about you or your family? The year after we moved to Harmony, we loved it so much that we wanted to move my mom into our neighborhood. She now lives on Cordgrass which is a short walk from our house. It is great to have extended family close by. Although our kids and grandson live in Atlanta, they visit often and enjoy all of the wonderful activities in Harmony. Our twoyear-old grandson loves to play in the splash pad and at the playground. n

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4 Harmony Life Magazine | July 2017

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.

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.

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.

Moving can be exciting and stressful at the same time but having a plan can help the process go more smoothly. Planning will help you settle in more quickly and what better way to help you enjoy your new home than to have a plan! n

Your dream home, if it is not a new home, will need to be cleaned prior to move in day. The previous owner may not leave the home immaculate.

If time allows, have your home professionally cleaned including the windows. You don’t want to be placing your furniture and boxes on to dirty floors. You’ll be thankful you did that on the moving day!

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 Jeanine@TheCorcoranConnection.com, or visit TheCorcoranConnection.com

July 2017 | Harmony Life Magazine 5

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407-891-9797 1115 Pennsylvania Ave. • Downtown St. Cloud

THAT #^*+**%@ HOA!!!

By Steve Berube HROA Board Member and MAC Chair

A

s you might know, living in Harmony makes you subject to a myriad of rules and regulations, two of which are administered by the Community Development District or CDD (all owners fall under this body’s control), and the Residential Owners Association, or HROA, which governs the single-family-detached homes generally found throughout EXCEPT in Ashley Park and The Lakes neighborhoods.

For this essay, we will focus on the HROA which is managed by Tim Quinlan of First Services Residential. In general, Tim (and FSR) does all the administrative work of the HROA, meaning, collecting fees, paying bills, taking your phone calls, managing the needs of the various resident-driven committees, handling the leasing and administrative needs of the commercial vehicle parking area and, perhaps most important, inspecting the community for violations. Yes—violations; those pesky problems that usually result in a call, or worse, a letter from Tim. You can reach Tim at tim.quinlan@fsresidential.com OR 407 891 2602.

The violation process works like this: once noted, a photo is taken and added to a letter to the owner detailing the problem; a requested cure date of (usually) a couple of weeks is included. Tim then follows up at the appropriate time and, if not remedied, the letters go to the Covenants Committee for action. As the Board has determined that violations will be charged at $100/day up to the statutory maximum of $1,000, by the time a violation gets to the Committee, the fine is at $1,000. The Committee then looks at the violation and decides: if fixed, the fine is erased. If not fixed, the fine is either upheld OR the owner is given more time. There are minor exceptions to the timeframes and letter frequency sometimes, but the above is the general procedure. A notable exception is commercial vehicles; because of the ease of moving them, the fine starts on the date of the first letter.

This brings me to the underlying point of this article: It takes PEOPLE to staff these

committees and you might have noticed a request elsewhere in this issue asking for your help in volunteering. I am reiterating that request as without adequate numbers of people, this system falls apart.

In fact, some of you might remember an HROA election a few months back. That signaled another step in the slow move towards resident control of the HROA which is a good thing presuming that enough quality individuals step up to fill these volunteer positions. I realize that the easy thing to say is, “Oh, that stuff doesn’t matter,” or “Somebody else will handle it.” While both may be true, don’t you think it’s better to follow your monetary investment in Harmony with an investment of your time to help keep Harmony as you expect it to be?

At this point, we have a Social Committee, a Covenants Committee, a Design Committee, a Garden Committee and a Nature/Animal Committee. The ladies of the Social Committee plan administer many of the activities you take part in; Covenants works as explained above; Design meets a couple of times a month to review exterior change requests to your home such as paint, firepits, fences and landscape changes; Garden administers the Community Garden and Nature/Animal provides the usually quarterly free shows at the school as well as work behind the scenes updating activities regarding human interaction with wildlife. There is also the Member Advisory Committee (MAC) which is staffed by two elected resident Board members and an elected non-board resident. The MAC administers the day-to-day operations of the HROA and reports directly to the Board.

In closing, I ask that you consider devoting some time to any of these Committees; without you, the whole thing falls apart. If you are interested, please contact Tim as listed above. Thanks and see you next month. n

July 2017 | Harmony Life Magazine 7

BUSINESS SPOTLIGHT: MOLLY MAID OF ST. CLOUD Brand. There are over 300 locally owned Molly Maid franchises in the U.S.

Tim and Thu Hien Rasner

Can you describe the “culture” or “philosophy” with your business?

It all starts with relationships. Of course we focus on great quality cleaning, but just as important to us is our approach to and delivery of customer service. We pride ourselves on the ability to provide a customized personal cleaning service and being responsive to our customers’ specific needs. We want our customers to be with us for the long haul.

Can you tell us a little history of your company?

The Molly Maid franchise has been around for over 30 years originally founded in Canada.

We are part of the Dwyer Group of home services companies and part of the Neighborly

8 Harmony Life Magazine | July 2017

Why did you choose to target the “St. Cloud” area?

We were offered a couple different territories from the Molly Maid franchisor. Two main factors for choosing our current territory are: 1. Osceola county, being one of the fastest growing counties in the U.S., is great for future growth for our business and 2. We wanted to live close to our office and we really like the small town feel of St. Cloud.

Can you tell the readers a little about your company?

Molly Maid of St. Cloud is a residential cleaning franchise. Each franchise is independently owned and operated. My wife Hien and I opened this Molly Maid in September of 2014. Today we have 8 cleaning teams in the field and one customer service representative in our office.

What services do you offer?

We specialize in recurring residential cleaning services for our customers. We also do “One Time Special Occasion” cleans as well as “Move-In and Move-Out” cleans. We can

clean the entire home or create a customized cleaning plan based on the individual customer’s specific needs and budget.

Why should/would a resident from Harmony use your company?

As mentioned before, we are a locally owned company and we actually live in St. Cloud so we have a vested interest in being the premier residential cleaning company in the area. We already have a number of customers in the Harmony area, so checking our references should be easy to do.

Anything else you would like to mention or highlight?

All of our teams are fully trained, bonded and insured to give our customers peace of mind.

We provide a service that is guaranteed with a team of your choice arriving in logo’ed vehicles. If you need us for any reason there is always someone to take your call and handle whatever request or issue at hand. n FOR MORE INFORMATION: Molly Maid of Kissimmee, St. Cloud & Lakeland 407-498-2256 MollyMaid.com

FROM THE HARMONY COVENANTS COMMITTEE:

W

e have a need for volunteers for the Harmony Covenants Committee. We are responsible for reviewing violations and levying fines as appropriate against homes that have failed to come into compliance with community standards.

The following is a description of the time commitment and process involved: We typically meet the second Tuesday of each month at the Harmony Golf Preserve at 6:30 pm.

The time committed to the job is approximately 3 hours at most, per month, consisting of the viewing of the addresses that have a “final letter” and attending the meeting. A few days before the meeting you may receive a little flurry of e-mails.

Our packets of final notices are ready the Friday before the meeting. We then go out independently to do a final check of the property problem against the Management Companies letter. This is done (in order to give the owner a last weekend) usually any time between Sunday late afternoon to Tuesday late afternoon.

When we look at each of the addresses each of us decides: Has the problem been fixed? Is the problem still there? And if it is still there,

does it really look that bad? If we are questioning the severity (dead grass, color of mold on the house, faded paint) we will look at two of the best-looking houses on the block and judge from those.

During the Covenants Meeting each member will be asked their opinion. Should the owner of the house be present we will bring them into the conversation. Then the vote will happen: Is it bad? Is it fixed? Has the owner given us reason to extend the time for a further 30 days? If it is bad, the $100.00 per day fine (which has reached its’ maximum amount of $1,000.00 by the time of the meeting) goes forward. If it has been corrected, the fine is removed. If a further 30 days has been given, the fine remains and the address is reviewed at the next meeting.

When an owner comes to our meeting, it is always helpful when they bring the company’s quote for the house cleaning or painting project or the lawn spraying company’s first bill. If there was a sprinkler problem, such as a broken head or new controller, bring a Home Depot receipt. These items do help.

If you have an interest in volunteering, send your contact information to the Association manager, Tim Quinlan, at tim.quinlan@fsresidential.com.

If you have any questions you may reach him at 407-891-2602. n

Harmony Social Committee

UPCOMING EVENTS JULY

8th -Slide into Summer - Town Square - 11am-2pm Bring your swim suits and Harmony ID for a fun filled afternoon celebrating summer!

9th - Puppy Market in the Park 10am-12pm Bring your furry friends for a doggie fun day at the big dog park located between Primrose Willow Drive and Bracken Fern Drive 10th - Social Committee Meeting - 6:00pm - 3306 Dark Sky Dr

Every Monday - Beach Volleyball - 6-7pm - Buck Lake Park

A Very Speical THANK YOU to

for sponsoring Casino night for us

Don’t forget this is your last chance to build LENNAR in the Hawthorn and Cherry Hill neighborhoods!

Join our mailing list here -http://bit.ly/2mJuo4E

HARMONYSOCIALACTIVITIES@GMAIL.COM

Harmony Community Activities @harmonysocial

July 2017 | Harmony Life Magazine 9

DID YOU KNOW?

By Kerul Kassel PHD Hamony 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? While retaining natural areas, Harmony is part of a humandominated landscape where our actions profoundly affect the welfare of wild animals.

Living in Harmony means seeing lizards…lots of them! Did you know that there are 29 species of lizards in Florida? Most of them came from elsewhere, including our common Brown Anole (rhymes with “pole”), which hails from Cuba and the Bahamas, and arrived in Florida in the early 1900s in ships traveling the Caribbean.

They thrive in disturbed habitats, among ornamental plants and are common around buildings, which is why they are so common in our neighborhoods. The native Green Anole,

the only anole native to the U.S., has been pushed out of habitat by the Brown Anole, but is not yet rare, according to herpetologists (reptile scientists). Where brown anoles coexist with the native green anoles, you will usually see the brown anoles on the ground and the green anoles on the upper trunk and in the canopy of trees. There’s a theory that the Greens have evolved their habits to live higher in the habitat than Browns. Green Anoles can turn brown, especially when stressed, but they are not chameleons! The male brown anole’s head is smaller than that of the male green anole. Both species have dewlaps, flaps of skin that extend from their lower jaw, that they use for territorial display, along with head-bobbing and little lizard push-ups. They are feisty little creatures, and sometimes males will fight, although smaller lizards in a confrontation usually back down before that happens. Their territory,

which is about 1 m3 (35 cu ft), usually includes two to three females. An anole’s diet consists of small arthropods such as crickets, moths, ants, grasshoppers, cockroaches, mealworms, spiders, and waxworms. They may also eat other lizards, lizard eggs, and their own molted skin and detached tails. If near water, they eat aquatic arthropods or small fish—nearly anything that will fit in their mouths. Lizards have been on earth of 200 million years, a lot longer than humans, having descended from the same family tree that gave rise to dinosaurs, and for much of those years reptiles dominated life on earth, until about 65 millions years ago. Lizards evolved to have tiny hair-like projections that bond at a molecular level with the surfaces they climb. They also have a tail that can break off and grow back again and again—an escape technique that’s pretty cool. Q

Myrtles

unique gifts. fresh. inspiring. unexpected. #doitdowntownstcloud

1117 Pennsylvania Ave. Downtown St. Cloud 10 Harmony Life Magazine | July 2017

Meet the Artist That Created Some of the Famous Harmony Sculptures — COMING IN THE AUGUST ISSUE

July 2017 | Harmony Life Magazine 11

SEP IRAs versus SIMPLE IRAs… NOT always so “SIMPLE”

By Jason Flowers CPA, CFA, CFP, EA, CTFA

S

elf-employed individuals have a number of options available to save for retirement aside from the common options of a Traditional IRA or ROTH-IRA. Two options are explored in this article, SEP-IRAs and SIMPLE IRAs. Let review some basic characteristics of both options.

We will conclude with an illustration.

Simplified Employee Pension (SEP) IRA

SEP-IRAs are an ideal option for the self-employed “one-person” show.

If you are the only person in the business, then you are effectively the “employer” and “employee.” These plans do not allow “employee” contributions, instead they permit “employer” contributions to all eligible employees on a non-discriminatory basis, i.e. contributions are made by the employer in a manner that does not benefit some employees in the plan more than others. Thus, these plans are not always ideal if you are self-employed with employees and have a desire to save more in your retirement account

than you fund relative to your employees. Contributions are allowed to be as much as 25% of your net earnings from self-employment up to $54,000 for 2017. The 25% limit, however, might be a potential drawback if you are trying to maximize contributions to the plan and have limited net selfemployment income as you are just starting your self-employed business but still have other taxable income (this will be illustrated below). SEPIRAs do provide significant flexibility as you are not required to contribute every year and you may vary the percentage contributed each year.

Savings Incentive Match Plan for Employees (SIMPLE IRA Plan)

Simple IRA Plans allow you to contribute all of your net earnings from self-employment in the plan up to $12,500 plus an additional $3,000 if you are 50 or older, plus either a 2% fixed contribution or 3% matching contribution (if the SIMPLE plan is through an employer).

SEP-IRA versus SIMPLE IRA (Illustration) The following illustration will demonstrate that a SIMPLE IRA plan might be a better option to save on your taxes even though the contribution limits are technically smaller than a SEP-IRA: Assumptions: You are 51 years old and employed with W-2 wages of $80,000 (and no retirement account at work) and start a side business (without employees) with net earnings from self-employment of $30,000. Your goal is to maximize contributions to your retirement account to help minimize your Adjusted Gross Income and, ultimately, minimize taxes.

1: Maximum contribution SEP-IRA 2: Maximum contribution SIMPLE IRA

= $30,000 x 25% = $12,500 + $3,000

= $7,500 = $15,500

1: AGI (SEP) 2. AGI (SIMPLE)

= $80,000+$30,000-$7,500 = $80,000+30,000-15,500

= $102,500 = $94,500

The SEP-IRA leaves you exposed to $8,000 more taxable income than the SIMPLE IRA in this illustration. Assuming a federal income tax rate of 25% you would be subject to an additional $2,000 (=$8,000 x 25%) in taxes. As your net self-employment income rises, a SEP-IRA will become the preferred route as it will allow you to save 25% of net self-employment income up to $54,000 which will exceed the $15,500 savings permitted by a SIMPLE IRA, however, just starting out… a SIMPLE IRA would be the preferred route. n

Larry Herring CPA and Consultants is available if you would like to explore saving taxes while you save for retirement. Visit us online at www.herringcpa.com or call at 407-647-7777 to set up a free consultation.

12 Harmony Life Magazine | July 2017

HARMONY INCIDENT REPORT — June 2017 DATE

INCIDENT

NATURE

LOCATION

CODE

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SUSP PERSON 13P ..................................E IRLO BRONSON MEM .............................H P ANIMAL CMPL 69I .................................HARMONY SQUARE DR & E IRL ...............V RECKLESS OP ..........................................E IRLO BRONSON MEM HWY................ COM LARCENY 46R ..........................................3328 CORDGRASS PL ....................................R DISABLED VEH 12 .................................E IRLO BRONSON MEM HWY ...................P PROPERTY DAMAGE ............................E IRLO BRONSON MEM HWY ...................F DISABLED VEH 12 .................................E IRLO BRONSON MEM HWY....................P TRESPASS 51I ...........................................E IRLO BRONSON MEM H ..........................T ACCIDENT NO INJ ................................E IRLO BRONSON MEM HWY ...................R TRAFFIC STOP ........................................E IRLO BRONSON MEM H ..........................C TRAFFIC STOP ........................................E IRLO BRONSON MEM HWY ................WW RECKLESS OP 29I ....................................FIVE OAKS DR; CHAMPI..............................V ANIMAL CMPL 69I .................................E IRLO BRONSON MEM H ..........................V ACCIDENT NO INJ ................................E IRLO BRONSON MEM HWY ...................U CIVIL MATTE 66R ..................................GOLDFLOWER AVE ......................................Q SUSP VEH 13V .........................................ARTHUR J GALLAGHER BLVD ..................X FIRE RESIDENCE ....................................HARMONY SQUARE DR SO ........................U SUSP INC 13I ............................................SUNDROP ST ...................................................F NOISE COMPL 74I ..................................CORDGRASS PL ..............................................F NOISE COMPL 74I ..................................SCHOOLHOUSE RD ...................................... I NOISE COMPL 74I ..................................SCHOOLHOUSE RD ......................................X DIST 22I .....................................................BUTTONBUSH LOOP ...................................F HWY OBSTRUC 28R ..............................E IRLO BRONSON MEM HWY ...................P DIST 22I .....................................................CAT BRIER TRL ............................................... I DIST 22I .....................................................BEARGRASS RD ..............................................F CIVIL MATTE 66R ..................................BLAZING STAR LN ........................................R BATTERY 45I ............................................BEARGRASS RD ............................................ AR SUSP PERSON 13P ..................................SCHOOLHOUSE RD & FIVE OAK ............. I FRAUD 39R ...............................................DARK SKY DR .................................................R CIVIL MATTE 66R ..................................BLUESTEM RD ................................................Q ABDOMINAL PAIN ................................FIVE OAKS DR; HARMON ...........................U DIST 22I .....................................................BLUESTEM RD ................................................F TRAFFIC STOP ........................................HARMONY SQUARE DR & E IRL ...............C RECKLESS OP 29I ....................................HARMONY SQUARE DR & E IRL ........... COM CIVIL MATTE 66R ..................................BLUESTEM RD ................................................F LOST/FOUND PROP ..............................HARMONY SQUARE DR & E IRL ...............R TRAFFIC STOP ........................................E IRLO BRONSON MEM HWY ................WW HWY OBSTRUC 28R ..............................HARMONY SQUARE DR & E IRL ............DUP RECKLESS OP 291 ...................................E IRLO BRONSON MEM HWY ...................V BATTERY 45R ...........................................BLUESTEM RD ................................................F SUSP VEH 13V .........................................ARTHUR J GALLAGHER BLVD................... I TRAFFIC STOP ........................................E IRLO BRONSON MEM H .......................WW SUSP VEH 13V .........................................DARK SKY DR & BUTTERFLY D ................V CIVIL MATTE 66I ...................................BLUESTEM RD ................................................X SUSP PERSON 13P ..................................SCHOOLHOUSE RD ...................................... I

DISPOSITION CODES A - ARREST B - VERBAL WARNING C - CITATION ISSUED D - NOTICE TO APPEAR ISSUED E - FI CARD ISSUED F - COMPL CONTACTED G - COMPL GONE ON ARRIVAL H - GREEN TAG ISSUED 14 Harmony Life Magazine | July 2017

I - SUSP CONTACTED J - SUSP GONE ON ARRIVAL K - UNFOUNDED L - PROPERTY SECURE M - FALSE ALARM N - ASSIST OTHER AGENCY O - TRAFFIC CONTROL P - MOTORIST ASSIST

Q - CIVIL MATTER R - REPORT S - SUPPLEMENT T - TRESPASS WARNING ISSUED U - REFERRED TO OTHER AGENCY V - AREA CHECKED UNABLE TO LOCATE W - PX CHECK/ALL IN ORDER

X - NO POLICE ACTION Z - PARKING TICKET WW - WRITTEN WARNING DUP - DUPLICATE CALL TOT - TRANSFERRED TO ANOTHER AGENCY COM - HANDLED BY DISPATCH

We know that you have many choices when purchasing, servicing or maintaining your vehicle.

Please know that we sincerely appreciate the opportunity to earn your business.

Thank you.

Bobby Kisselback 1. A 3-day exchange. If you buy a vehicle and you are not completely satisfied, bring it back and exchange it.

2. The first service is on us. All vehicles we sell, your first oil change and tire rotation is free.

3. Pre-owned Piece of Mind. Our Kiss Certified pre-owned vehicles are prepared for sale with a 172-point inspection process and each vehicle carries a 3-month / 3000-mile pre-owned limited warranty.

4. A full tank of gas. Every vehicle sold, new or used, is delivered with a full tank of gas.

5. Kiss & Tell Referral Rewards. Our referral rewards program pays you or your favorite charity. (Sales & Service) 6. Quick Lane Tire and Auto Center on site. Open 6 days a week, maintenance services and tire sales for almost all makes and models.

7. Kisselback Insurance Agency. Located in our main showroom, our Auto and Home insurance agents will perform a courtesy review of your existing insurance policy. Whether you purchased your vehicle here or not, let us see if we can save you some money.

8. Car Rental Location on site. If you need a rental car for any reason, we have a rental car office on site. Special Discounts apply for Kisselback Ford and Kisselback Insurance customers.

9. “The Works”, $39.95 including tax and fees. (Synthetic blend oil change, tire rotation and pressure check, brake inspection, multi-point inspection, battery test, filter check, belts and hoses check. Most makes and models. Gas engines only. Diesel Oil changes are available at a discount) 10. Complimentary local shuttle service.

11. Customer Lounge with free Wi-Fi 12. We will shop for you. If we don’t have what you are looking for, we are confident that we can find it for you. No additional charge. New or used vehicle.

For all the details of our Kiss Advantage, please contact one of our sales or service team members. 407-892- KISS (5477)

407-892-2141 • KISSELBACKFORD.COM 1118 13TH STREET • ST.CLOUD, FL 34769

QUICK REFERENCE DIRECTORY ACUPUNCTURE Catherine Coudray Monday–Friday, 8am-5pm 1716 East Irlo Bronson Hwy. CoudrayAcupuncture.com 321-303-5240

GARAGE DOORS & OPENERS D.S.I. Sales / Service / Repairs 407-970-5847 dsigaragedoor@yahoo.com dsigaragedoorandopener.com

ADVERTISING & MAGAZINES Harmony Life and Nona Woman Magazines Bill Bokunic 321-331-6398 Bill@QMCWorld.com QMCWorld.com

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

AIR-CONDITION SERVICES Access Air Eric Farnsworth *Harmony Resident* 407-921-0760 ELFarnsworth@live.com ATTORNEYS Overstreet, Miles, Cumbie & Finkenbinder, P.A. 100 Church St., Kissimmee, FL 34741 407-847-5151 OMCFLaw.com BANK Trustco Bank 1525 E. Osceola Pkwy.

407-932-0398 CARS & TRUCKS Kisselback Ford 1118 13th St., Saint Cloud 407-892-2141 KisselbackFord.com CHURCHS Harmony Community Church Meeting 10am Sundays at Harmony High School (844) 444-FBCH HarmonyCommunity.church COMPUTER REPAIR I Repair PCS Efrain Rodriguez 773-865-2697 IRepairPCS.net efraincfd@gmail.com CPA Herring Certified Public Accountants & Consultants Larry J. Herring, CPA, PA 611 North Wymore Road, Ste 100, Winter Park, FL 32789 407-647-7777 HerringCPA.com FINANCIAL ADVISORS Edward Jones Kerry L. Scott 4725 Old Canoe Creek Rd., St. Cloud, FL 34769 407-498-0147

HAIR Victor Russell Salon *Harmony Resident* 105 East 13th Street Saint Cloud, FL 407-892-1005 VictorRussell.com HOME BUILDERS Jones Homes USATM Twin Lakes 4910 Twin Lakes Blvd., St. Cloud, FL 34772 407-988-3222 TwinLakesFL.com HOME INSPECTORS Budget Services 407-892-8811 HOSPITAL Health First-Holmes Regional Health Care 1350 South Hickory St. Melbourne, FL 32901 321-434-7000 HOUSE CLEANING Molly Maid of Kissimmee, St. Cloud & Lakeland 407-498-2256 MollyMaid.com INSURANCE Brightway Insurance, The Sterner Agency 407-891-9361 Kocher Insurance, LLC 1312 Illinois Ave., Suite H Saint Cloud, FL 37769 407-957-1918 KocherInsurance.com LAWN CARE Triple Palm Lawns *Harmony Resident* 407-957-3489 TriplePalmLawn@aim.com MORTGAGE Trustco Bank Sarah Near - Branch Manager Gateway Commons 1525 E Osceola Pkwy., Ste.120 Kissimmee, FL 34744 407-932-0398 MOVIE THEATERS Cinema World East of 95 on 192 next to Sam’s Club

Melbourne, FL CWTheaters.com

16 Harmony Life Magazine | July 2017

MUSIC LESSONS Music in Harmony Piano Lessons and Vocal Coaching

by Dawn Korzen *Harmony Resident* 7130 Indiangrass Rd. Harmony, FL 34773 MusicInHarmony2013@gmail.com

407-301-4561 for interview PAINTING & PRESSURE WASHING Champions Property Maintenance *Harmony Resident* Joe Murray, 407-766-5051 PEST CONTROL Luv-A-Lawn & Pest Control 407-908-9139 PHYSICIANS St. Cloud Medical Group 1700 E. Irlo Bronson Memorial Hwy., St Cloud, FL 407-891-2965 StCloudPhysicians.com PHOTOGRAPHY Harmony Imaging Drone & Photography Services 321-474-8396 Facebook.com/HarmonyImaging HarmonyImaging1@gmail.com PRINTERS Creative Printing Services 1115 Pennsylvania Ave. Saint Cloud, FL 34769 407-891-9797 Lucky Dog Printing *Harmony Resident* 1404 Hamlin Ave., Ste. F St. Cloud, FL 34771 407-593-6984 REAL ESTATE The Corcoran Connection, LLC *Harmony Resident* Jeanine Corcoran Owner/Broker Buy/Sell/Rent/Property Mgmt.

407-953-9118 TheCorcoranConnection.com RESTAURANT Champions Grill 7251 Five Oaks Dr. Harmony, FL 34773 407-891-8525 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