Nona Woman - October 2017

Woman NONA

October 2017

JENNIFER ABRAHAMSON

Food and Beverage Manager Eagle Creek Golf Club A publication of Quantum Marketing Communications, LLC

Photo by Jen Dwyer

Barbara Corcoran Recommends Nona’s fastest growing Real Estate company The Corcoran Connection - 1426 S Narcoosee Rd, St. Cloud, FL 34771 407-953-9118 - office | TheCorcoranConnection.com

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

FROM THE PUBLISHER, JEANINE CORCORAN Welcome to the October issue of Nona Woman Magazine.

Thanks to everyone who supported my sister, Barbara Corcoran, on Dancing ith The Stars. Barbara is 68 years old—by far the oldest on that show. She is my inspiration and a motivator to many as to what a person can achieve…regardless of age, background, education, etc.

Woman NONA

PUBLISHER

Jeanine Corcoran Quantum Marketing Communications, LLC 321.922.3308 Jeanine@TheCorcoranConnection.com www.NonaWoman.com Nona Woman Magazine

The Barbara Corcoran quote for October: “As entrepreneurs, there is never a boring day – you might hate certain days – but there is never a boring day building your own business, because you have that wonderful great privilege of being in charge of your own destiny.”

– Barbara Corcoran

Barbara (left) and Jeanine Corcoran

Thank you!

Jeanine@thecorcoranconnection.com

MYRTLES OR CREATIVE PRINTING

407-891-9797

October 2017 | Nona Woman Magazine 1

COVER STORY

BUSINESS SPOTLIGHT: EAGLE CREEK GOLF CLUB

T

his month we spotlight our cover woman, Jennifer Abrahamson, who is the new Food and Beverage Manager for the Eagle Creek Golf Club.

Please tell us what’s happening at Eagle Creek?

We are going to provide our residents with Community Events, Live Music, Dinner Specials—like Burger Night—themed events, such as Oktoberfest, as well as Holiday Buffets.

Please tell us a little about you and your background: I was born and raised in Kissimmee and currently reside in Saint Cloud. I am married with three children, ages 15, 13 & 10. I started a successful children’s party planning business in 2004, which I continued for 10 years. In 2014, I decided to change paths and started a Wedding & Event Planning Company, which I have continued.

During this time I also worked at Harmony Golf Preserve where I started as a banquet server then worked my way up to Banquet Manager, Catering Sales Manager then Food & Beverage Manager.

I’ve been there for 13 years.

I know you support many local charities and organizations, are there any you care to mention or discuss? I feel strongly about supporting our

local teachers and students along with our First Responders.

Anything Else you would like me to mention or highlight? I am really excited about the new challenges that Eagle Creek Golf Club will provide me and I look forward to meeting the wonderful residents that come to all of our special events. I always welcome any input or suggestions from the residents on events or themes. Q

Jennifer Abrahamson, Food and Beverage Manager

Eagle Creek is rapidly growing and I feel that it is the perfect place to showcase my talents. They have an amazingly talented Chef, Kimberly Rice, who I have had the pleasure of working with in the past.

I am excited to have teamed up with her again to provide an exceptional service to the community

Thanks again to Jennifer and Eagle Creek for being a part of Nona Woman magazine.

Eagle Creek Golf Club 10350 Emerson Lake Blvd. • Orlando, FL 32832 407.273.4653 • EagleCreekOrlando.com

Recently Voted St. Cloud Business of the Year

MYRTLES

unique gifts. fresh. inspiring. unexpected. #doitdowntownstcloud

1117 Pennsylvania Ave. Downtown St. Cloud 2 Nona Woman Magazine | October 2017

PHOTO: JEN DWYER

What attracted you to Eagle Creek?

Required Minimum Distribution Rules for Inherited IRAs

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

T

he penalty for failing to take a required minimum distribution (RMD) from an IRA is steep… 50% steep. This hefty penalty applies not only to IRAs you own, but those you inherit. Distribution rules for beneficiaries of inherited IRAs vary based on your relationship to the original owner of the IRA, as well as, whether the original owner died before their own required beginning date for RMDs or on/after their own date for RMDs. In this article we will explore the rules for RMDs based on 2 of the 3 possible relationship categories as well as the timing of original owner’s death.

DESIGNATED BENEFICIARY IS SPOUSE ONLY If the original IRA owner dies on or after their required beginning date the spouse may choose one of the following three options: 1. Treat the inherited IRA as their own… i.e. delay RMDs until their own required beginning date.

2. Begin to distribute the assets within the inherited IRA over their own life expectancy.

3. Distribute the assets over the life of the original owner of the IRA (This option makes sense if your deceased spouse was younger than you and you are close to or already at the required beginning date for RMDs).

If the original IRA owner dies before their required beginning date the spouse may choose one of the following three options: 1. Treat the inherited IRA as their own… i.e. delay RMDs until their own required beginning date.

2. Distribute the entire balance by the end of the 5th year following the original owner’s death.

3. Distribute the assets over the life spouse that inherited the IRA with the 1st distribution occurring in the year the original owner would have turned 70 ½.

DESIGNATED BENEFICIARY IS A NON-SPOUSE INDIVIDUAL If the original IRA owner dies on or after their required beginning date the nonspouse beneficiary(ies) may distribute the assets: 1. Over a period of time based on the younger of 1.) beneficiary’s age or 2.)

Owner’s age at birthday in year of death.

2. If multiple non-spouse beneficiaries inherit an IRA, the distributions should be based on the age of the oldest beneficiary for all beneficiaries (unless separate accounts are created).

3. If the inherited IRA is divided into separate accounts for multiple beneficiaries by December 31st of the year following the owner’s death the Inherited IRA can be distributed over the lives of each respective beneficiary.

If the original IRA owner dies before their required beginning date the nonspouse beneficiary(ies) may withdraw the entire balance by the end of the 5th year following the original owner’s death. n

If you need help with assessing the distribution rules for required minimum distributions of an inherited IRA, please reach out to Larry Herring CPAs and Consultants. Visit us online at www.herringcpa.com or call at 407-647-7777 to set up a free consultation.

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Aerial Photography and Video Specialized Photography Real Estate Interior/Exterior Business Family - Senior Pictures Headshots Aerial Video

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BUYING vs RENTING

By Jeanine Corcoran

“C

an I afford to buy?” The real question to ask is “Can I afford to continue renting?” Most renters don’t realize the amount of money they pay over a period of several years.

An average rent of $2000 a month over 10 years is $240,000! “Why should I buy when I can rent and not have the responsibility of house problems?”

Here are the top 3 benefits of home ownership.

1. Tax Advantages – Both property taxes and interest payments are tax

deductible. Always talk to your tax advisor as to the benefits specific to you.

2. Home Value Appreciation – Benefits from increased value over time which builds equity and increased value from home improvements added for your enjoyment.

3. Pride in Ownership – It’s yours! No more asking for permission

to make changes on the place you call home. You now have a sense of permanence and solid foundation in your own home.

FOR SALE

4575 Kissimmee Park

3 Bed / 2 Bath 10.36 acres

by Jeanine Corcoran

$550,000

SOLD

5940 W. Nova Rd 9 Bed / 5 Bath 5302 sq ft

by Dennis Hogan

$440,000

There are many programs available for buyers today including programs for Teachers, Medical Professionals, Police Officers, Military and Firefighters. Also, there are county bond programs and state programs to help buyers. Even our company offers a New Buyer’s Program that works in coordination with these programs on new construction to help buyers even more. When considering purchasing a new home or a resale home, it’s important to have a Real Estate Professional and a Mortgage Professional to represent you and help you get the most for your money.

Don’t do it alone!

Seriously consider the pros and cons of buying versus renting—paying your own mortgage or paying someone else’s mortgage. With interest rates still historically low at or below 4% on a 30-year fixed mortgage, why rent? Now is a great time to buy. n 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 Jeanine@TheCorcoranConnection.com, or visit TheCorcoranConnection.com

FOR SALE

Bradley Gayle Rd .92 Acres on LAKEFRONT

by Dennis Hogan

$210,000

SOLD

FOR SALE

$360,825

$779,900

5935 Winchester Isle 3301 Schoolhouse 4 Bed / 3 Bath / Pool 7 Bed / 5.5 Bath 7665 sq ft 2705 sq ft

by Dennis Hogan by Jeanine Corcoran

Jeanine Corcoran - Broker | Owner | The Corcoran Connection 407-953-9118 - office | Jeanine@TheCorcoranConnection.com TheCorcoranConnection.com Serving your Real Estate and Property Management Needs Connect with us on Social Media!

October 2017 | Nona Woman Magazine 7

BUSINESS SPOTLIGHT: MYRTLE’S –THE ART OF SLOWING DOWN M

yrtle’s is a one of a kind shop in St.Cloud,we specialize in unique gifts sure to please the recipient.

0\UWOH¶V RSHQHG RXU GRRUV RYHU ¿YH \HDUV DJR :H NQHZ GRZQWRZQ ZDV PLVVLQJ D GHGLFDWHG JLIW VKRS VR ZH ZDQWHG WR ¿OO WKDW YRLG 2XU shop, Myrtle’s – The Art of Slowing Down, not only has fresh, unique, inspiring and unexpected gifts, but gifts that are thoughtful and remind us all to slow down and enjoy life. We have pajamas to organic teas— something sure to please everyone on your gift-giving list.

,¶YH KDG WKH SOHDVXUH RI YROXQWHHULQJ IRU PDQ\ ¿QH RUJDQL]DWLRQV RYHU WKH past thirty plus years. All of my activities hopefully have the same end result, making St.Cloud a better place for all of us to live — so whether it’s volunteering for the Christmas Parade or donating to a Historic Marker it’s all about improving the quality of life in our community.

Myrtle’s was recently voted Business of the Year by the members of the St.Cloud Chamber of Commerce. Please stop in for a cup of tea and a chat—hopefully by the time you leave, you’ll understand why Myrtle’s is a one-of-a-kind destination in St. Cloud. Q

Owner Patti Loeding

Myrtles – The Art of Slowing Down 1117 Pennsylvania Ave. • Downtown St. Cloud 407.567.8184 • MyrtlesGifts.com Tuesday–Thursday: 10:30am–5:00pm Friday: 10:30am–6:00pm Saturday: 10:30am–3:00pm

Call • Email • Message • Text to place an order

PHOTO COURTESY OF PATTI LOEDING

Myrtle’s has many loyal customers. I believe they’re loyal because they know we listen to them and care about helping pick the right gift for their someone special. If we don’t have what a customer is looking for we are happy to refer them to another shop that may have the item they need. At Myrtle’s, we aren’t all about selling gifts we are about being a good neighbor as well.

2017 Medicare Annual Enrollment – Be Prepared

By Sherry Rendell, RN

A

nnual Enrollment Period (AEP) is an important window for Medicare recipients.The upcoming 2017 AEP will take place from October 15th to December 7th.

The Annual Enrollment Period allows you to: 1. Sign up to a Medicare Advantage plan if enrolled in Original Medicare (Part A and Part B).

2. Drop your Medicare Advantage plan and remain on Original Medicare (Part A and Part B).

3. Change from one Medicare Advantage plan to another Medicare Advantage plan.

4. Change from one Prescription Drug plan to another Prescription Drug plan.

5. Change your Medicare Advantage plan to a Prescription Drug plan.

6. Change your Prescription Drug plan to a Medicare Advantage plan if you are enrolled in both Medicare Parts A and B. Prepare for the Annual Enrollment Period by: 1. Reviewing your prescription medications: D &KDQJHV LQ \RXU PHGLFDWLRQV PD\ UHTXLUH \RX WR ¿QG D newprescription drug plan that more closely matches your needs.

2. Reviewing your plan costs: a. Review your copayments, premiums, maximum out-of-pocket and deductibles.

E 7KH $(3 DOORZV \RX WKH RSSRUWXQLW\ WR VDYH PRQH\ E\ ¿QGLQJ D plan that best suits your coverage needs at the best available price.

3. Reviewing your network of doctors: a. Having the wrong coverage can cost you by paying more for out-of-network doctors.

4. Reviewing your Annual Notice of Change (ANOC) a. The ANOC highlights important changes in your plan costs, coverage and service area.

Your past, present and projected health care costs and needs are likely to GLIIHU VLJQL¿FDQWO\ )RU WKLV UHDVRQ DQG WKH RQHV KLJKOLJKWHG DERYH LW LV important to take advantage of the upcoming annual enrollment period WR UHYLHZ \RXU FXUUHQW FRYHUDJH IRU LWV EHQH¿WV DQG VKRUWFRPLQJV 7KH help of a health insurance professional is well worth your investment of time. Q Sherry Rendell is a licensed health insurance agent with Health Markets. She is a local agent in your area that can meet with you and review your health care needs and coverage.

Call today at 619-618-6819 for a free consultation. Sherry can also be reached at srendell@healthmarkets.com.

For All Your Printing Needs.

Promotional Items Too!

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

10 Nona Woman Magazine | October 2017

QUICK REFERENCE DIRECTORY ACCOUNTANTS Larry Herring CPA, PA 611 N. Wymore Rd. Winter Park, FL 32789 407-647-7777 HerringCPA.com

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

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

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

ADVERTISING & MAGAZINES Harmony Life and Nona Woman Magazines Bill Bokunic 321-331-6398 Bill@QMCWorld.com QMCWorld.com ATTORNEYS Overstreet, Miles, Cumbie & Finkenbinder, P.A. 100 Church St., Kissimmee, FL 34741 407-847-5151 OMCFLaw.com CARS & TRUCKS Kisselback Ford 1118 13th St., Saint Cloud 407-892-2141 KisselbackFord.com CHURCH Life Church 10:10am Sundays at Narcoossee Middle School LifeChurchCFL.com COMPUTER REPAIR I Repair PCS Efrain Rodriguez 773-865-2697 IRepairPCS.net efraincfd@gmail.com FINANCIAL ADVISORS Edward Jones Kerry L. Scott 4725 Old Canoe Creek Rd., St. Cloud, FL 34769 407-498-0147 GARAGE DOORS & OPENERS D.S.I. Sales / Service / Repairs 407-970-5847 dsigaragedoor@yahoo.com DSIGarageDoorAndOpener.com GRAPHIC & WEB DESIGN Blair Creative Group, Inc. Renée Blair 321-972-3669 BlairCG.com Energy Graphics Shannon Danford 407-267-6300 Energy-Graphics.com

12 Nona Woman Magazine | October 2017

HAIR Victor Russell Salon 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 HOSPITAL Health First-Holmes Regional Health Care 1350 South Hickory St. Melbourne, FL 32901 321-434-7000 HFortho.org HOUSE CLEANING Maid Easy Cleaning Service 407-709-3640 Molly Maid of Kissimmee, St. Cloud & Lakeland 407-498-2256 MollyMaid.com INSURANCE Brightway Insurance, The Sterner Agency 407-891-9361 BrightwaySterner.com Humana Joseph Quezada 407-462-7199 jquezada@humana.com Kocher Insurance, LLC 1312 Illinois Ave., Suite H Saint Cloud, FL 37769 407-957-1918 KocherInsurance.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

MUSIC LESSONS Music in Harmony Piano Lessons and Vocal Coaching by Dawn Korzen 7130 Indiangrass Harmony, FL 34773 MusicInHarmony2013@gmail.com

407-301-4561 for interview PAINTING & PRESSURE WASHING Champions Property Maintenance Joe Murray 407-908-9139 Fitzgerald Painting, Inc. Don Fitzgerald 407-908-5471 dfp8028@aol.com ORTHODONTIST Lach Orthodontic Specialists 407-499-4265 Lach-Ortho.com PEST CONTROL Luv-A-Lawn & Pest Control 407-908-9139 PET GROOMING 5 Star Pet Grooming 1537 E. Irlo Bronson Memorial Hwy., Saint Cloud One 1/2 mile West of Narcoossee on 192 407-593-6911 PRINTERS Creative Printing Services 1115 Pennsylvania Ave. Saint Cloud, FL 34769 407-891-9797 Lucky Dog Printing 1014 New York Ave. St. Cloud, FL 34769 407-593-1705 REAL ESTATE The Corcoran Connection, LLC Jeanine Corcoran, Owner/Broker Buy/Sell/Rent/Property Mgmt.

407-953-9118 TheCorcoranConnection.com TRAVEL Meisner Cruise and Travel 407-738-7088 tvlwithlinda@gmail.com Facebook: Harmony Get A Way with Meissner Travel VIDEO PRODUCTION Studio Nine 13 Kristin Macari 407-986-0913 studionine13.com WATER SYSTEMS Dependable Water Treatment 407-242-7150

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