FLORIDA’S PREMIER COMMUNITY January 2016
Meet Your Neighbors, The Mella Family Photo by Christina Beasley Dalton
A publication of Quantum Marketing Communications, LLC
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Hello From Kisselback Ford. Happy New Year Everyone. All the best for a wonderful 2016. Do you have an insurance policy scheduled to renew? We have a full service insurance agency located at the dealership. One of our agents will be happy to provide you with a complimentary review of your existing policy and or provide you with up to 8 competitivequotes for you to compare. We represent Travelers, Progressive, Infinity, Foremost and SAFECO to name just few. Please see the middle of this ad for our contact information.
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January 2016
from the
Bill Bokunic Publisher & CEO Quantum Marketing Communications 321-331-6398 Bill@QMCWorld.com
Publisher Happy 2016! Very interesting articles this month! Looks like the real estate market is going to be robust-check out “2016 – A look at our Real Estate Market” by Local resident and Broker Jeanine Corcoran. Dr. Lach Orthodontics recently hosted a “Smiles for Hope” charity event for the holidays at the Central Florida Children’s Home on Narcoossee. The staff treated the kids to pizza, goodies, mobile video game arcade, and even glow-in-thedark outdoor golf. It was a great time with some great kids for a great cause. Welcome our new advertiser: Dependable Water Treatment. Their systems are designed specifically for our kind of water and are not generic. Congratulations to Larry Herring, CPA, for becoming a Dave Ramsey preferred professional! We are in need of families for the front cover of the magazines. Message me at bill@ QMCWorld.com We are also expanding and hiring. We are looking for part time sales help, commission based. Email me directly at bill@QMCWorld.com Thank you for supporting us!
Bill Bokunic
Contact Info For Residents
EMERGENCY CDD:
www.harmonycdd.org, 407-566-1935 Steve, Ray, Mark, Kerul or David@Harmonycdd.org
GOVERNMENT Osceola County:
Sheriff:
Non-emergency, 407-348-2222
UTILITIES BrightHouse:
Cable / Internet, 877-892-3279
Century:
Link Cable / Internet, 866-314-4148
OUC Electric:
407-957-7373
Condos HOA:
Sentry Management, 407-846-6323
Waste:
Trash Pickup, 407-843-7370
Townhomes HOA:
TITAN Management, 407-705-2190
www.osceola.org “Citizen Action Center”
County Commissioner: Fred Hawkins, fhaw@osceola.org Harmony Developer Office:
407-891-8358 or www.HarmonyFL.com
HROA:
First Services Residential at 866-378-1099 or FSResidential.com
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ON THE COVER
Meet Your Neighbors
Meet The Mella Family
Who’s on the cover? Rodrigo and Johanna Mella, with their children Giovanni and Alejandra. When did you move to Harmony? We moved here in June 2010. What street do you live on? We live on Primrose Willow Dr. What do you love most about Harmony? We appreciate the peaceful environment that Harmony provides for our family. What are your kids’ favorite things about Harmony? Our children like the fact that most of their friends live nearby since their school is here in Harmony.
Meet Your Neighbors: The Mella Family Where did you move from? We all moved from Puerto Rico but Rodrigo was born and raised in Chile.
weekends we like to have a cookout, enjoy time with our friends, or take road trips and travel the world.
What do you miss most? We miss being around our family and celebrating the holidays with them. Coming from a large family we always had huge parties.
What recommendations would you offer others in our community? We encourage neighbors to get out and explore the wildlife and nature of Harmony. Our personal favorite places are the lakes, pools, trails, and the garden.
What is your background? Rodrigo worked for two newspaper companies, one in Chile in the research and development department, and the other in Puerto Rico as a V.P. of Operations Aux. Johanna worked for Johnson & Johnson as a drafter in the engineer department. What are your best memories of Harmony thus far? When we first moved here we in participated often in the community field trips. Some of our personal favorites were swimming with the manatees, and going late at night to watch the turtles at the beach.
Are you involved in any non-profits? Giovanni and Alejandra are both in Key Club at the high school which focuses on helping the home, school, and community. What television shows and movies do you enjoy? We really enjoyed the new Star Wars movie. We enjoy watching The Walking Dead and Brain Games. We also family always enjoys to watch soccer and cheer on the Chilean national soccer team.
What do you find most unique about living in Harmony? Unlike our previous home Harmony is a green neighborhood that protects its environment and provides a healthy lifestyle. What are your favorite things to do? Giovanni and Rodrigo like to play tennis in the afternoons. On the
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2016 - A Look at Our Real Estate Market by Jeanine Corcoran
As we move forward into this New Year, each of us will probably have our own expectations of eating healthier, losing weight or getting ahead financially. But what should we anticipate from our real estate market? There is a lot to look forward to in 2016. Home prices expected to rise. Florida’s 2015 real estate rebound “outperformed the nation as a whole,” according to Florida Realtors Chief Economist Dr. John Tuccillo. “Against the backdrop of an expanding state economy with growing employment, home sales should increase by 8-10 percent over 2015 (numbers) and home prices (measured as actual value) should rise by about 5 percent,” Tuccillo says. The year of the Millennials? Those born between 1980 and 2000, known as Millennials, are expected to start making their real estate purchases. As rents rise, purchasing is now making sense to this group of buyers. This age group will make
FOR SALE
up approximately two-thirds of the housing transactions over the next five years according to most experts! Historically low mortgage interest rates are holding steady. For the first time in seven years, on December 16th, 2015, the Federal Reserve boosted its key rate 0.25 basis points having an indirect impact on longterm mortgage rates. Even with that said, mortgage interest rates are still staying near 4%. 2016 will probably be one of the last times home buyers can take advantage of low rates. “We’ve had it for so long that you start to think it’s your American right to have that kind of money, but it’s a ridiculously low-interest rate, even if it were to move up a couple of points.” says, Barbara Corcoran, investor on ABC’s “Shark Tank”. This rate is still historically low; it is still a great time to buy! New home construction continues. A good indication of a healthy real estate market is the amount of new homes being built. Take
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a look around your neighborhood and you will see the evidence of this. 2016 should continue to be a strong year for the builders with the expected growth in our area. Limited supply and strong demand makes for a robust rental market. Our rental market continues to be strong with vacancy rates expected to stay below 5% in 2016. This is good news for Landlords or those of us wishing to become a Landlord. There are exciting times ahead for 2016 … with home prices expected to rise by 5% and with historically low interest rates still available, these are promising indicators of a strong market. Match this with our Millennials’ major influence in our market and it looks like we have a solid future just around the corner. If you have been on the fence about what to do, whether it is an investment in a rental property, or finding your perfect home, this is the time to make your move!
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Jeanine Corcoran - Broker | Owner | The Corcoran Connection 407-953-9118 - office | JeanineCorcoran@gmail.com TheCorcoranConnection.com Serving your Real Estate and Property Management Needs
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 the most savvy 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
Primerica Named to Top 50
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. 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.
© 2015, Forbes Media LLC. Used with permission.
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The Protecting Americans from Tax Hikes (PATH) Act of 2015 Key Tax Extenders by Larry J. Herring, CPA At the very end of the tax year, we eagerly await to hear Congress’s final agreement on key tax extender provisions that are going to benefit our clients. Under the tax extender legislation the PATH Act of 2015, H.R. 2029, temporarily retroactively reinstated for 2015 provisions that expired at the end of 2014 but more importantly permanently extended other provisions. The following is a list of some of our favorite key provision changes. Provisions made permanent: 1. Qualified Charitable Distributions (QCD) made directly from IRA to Charity - Taxpayers who are 70 ½ or older can make tax free distributions as pre-tax charitable contribution up to $100,000 directly from their IRA to a charity, which can also be counted as a Required Minimum Distribution.
2. State and Local Sales Tax Deduction – Florida doesn’t have state income tax but this provision benefits taxpayers who itemize their deductions allowing them to take a deduction for the higher of actual sales tax paid or an IRS table amount. 3. American Opportunity Tax Credit increased from $1,800 to $2,500 for the 2009 through 2017 tax years, and the income phase-out threshold increased making the credit available to more Americans. 4. Enhanced Child Tax Credit – For low income taxpayers, the $1,000 child tax credit for each “qualifying child”, subject to income level phase-out, can be refundable. 5. Elementary and secondary school teachers are eligible for an abovethe-line deduction for schoolteacher expenses up to $250 per year, subject to inflation. 6. Section 179 Expensing – Everyone’s favorable expensing limits of $500,000 maximum deduction and the $2 Million
phase-out threshold 2015 and forward.
are
permanent
Provisions extended through 2016: 1. Discharged Mortgage Debt on Short Sales associated with a primary residence mortgage can be discharged without tax consequences. 2. Mortgage Insurance Premiums deductible as Qualified Residence Interest extended till the end of 2016. 3. Above-the-Line Education Deduction for Qualified Tuition and Fees up to $4,000 of tuition and related fees for an eligible student, depending on income levels. 4. 50% Bonus Depreciation the first year on qualified property placed into service by the end of 2017. The provision extended and reduced the first year bonus depreciation by 10% each year after 2017 through the end of 2019.
Other Notable Provisions: 1. Qualified higher education expenses now include computer equipment and related expenses for permitting distributions from a Section 529 plan as tax-free.
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Baby Clothes Storage by Vasanti Rosado
If you plan on having more children, you notice how quickly everything stacks up from toys to clothes. You can’t get rid of them without losing the economies of scale of having more children but it’s difficult to store things in Florida homes without basements or attics. Clothes can quickly become an overwhelming mess of different sizes and mismatched socks and outfits. I used clear storage bags to store clothes in their respective sizes so they could be pulled out at the appropriate time later. The Container Store carries a line of clear storage chests that stack well and hold a large amount of similar sized clothes. I found the medium sized storage bags work best and they stack nicely in the corner of most reach in closets.
I used 6 bags and wrote on index cards to create tags for the following size ranges: Newborn 3 months 3-6 months 6-9 months 12 months 18 - 24 months 2 years
I’ve found using items like these storage bags allows me to maximize the storage capacity of my home while also keeping it presentable and orderly.
While these bags are not suitable for long-term storage, they worked just fine for 3 years until my second daughter was born. As my older daughter grows out of items, I pack them away into one of the containers I’ve already emptied so we stay organized. If we have any extra storage bags left, they pack completely flat until they are needed for something else. I think we’ll eventually store holiday linens or guest room linen sets in them.
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FINANCIAL RESOLUTIONS FOR A HAPPY NEW YEAR by Steve Mullins, Investment Adviser, Primerica
You and your finances have a close relationship. Follow these tips to make it a happy new year. Feel good about money. While setting goals is important, it’s also important to review the progress you’ve made. What financial goals have you already reached this year? Have you paid off debt or grown your savings? If that’s a struggle, try repeating simple positive affirmations like, “I’m good with money.” Create a money road map. Where are you going financially? What longterm and short-term
financial goals do you hope to achieve? If you haven’t yet figured out how to spend less, save more and pay down debt, consider asking your Primerica representative for a complimentary, confidential Financial Needs Analysis (FNA). It can help you bring your finances into focus. Resolve to earn more. One way to boost your financial outlook is to earn more money. Do you have a hobby, skill or expertise you could do on a contract or freelance basis? For example, if you play guitar, you could offer guitar
lessons. Or talk to your Primerica representative about starting a part-time business helping families with their finances. Update your insurance. Our life insurance needs change over time. If you recently got married, had a baby (or another baby) chances are you need more life insurance. Financial experts recommend reviewing your life insurance coverage at least every five years. Talk money at home. If you’re financially stressed, don’t keep it bottled up – share what you’re feeling at home. In appropriate ways, invite your children into the
money conversation. Protect your money. Careful estate planning can prevent confusion, chaos and stress for your loved ones. Yet, 6 in 10 Americans do not have a will – and within that group, 70% of those with children under age 18 in their household do not have a will.* With no will, families can be divided in a time of grief. Ask your Primerica representative about the Primerica Legal Protection Program (PLPP), which includes will preparation among its many benefits.
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March for Meals Osceola Council on Aging will be hosting the 2016 fund raiser on Saturday, March 12, 2016. Participants may register for a 5K run (or walk), and children may participate in the free Kid’s Run. Adults who bring non-perishable food items may place their entry for a prize drawing! Adults may also participate in the silent auction. Registration starts at 7:00 a.m. and the run and walk begins at 8:00 a.m. leaving from the Town of Celebration at Lakeside Park (631 Sycamore Street). The cost is $25 before March 1, $30 from March 2-12, and $35 on the day of the event. Register online at: www.osceolagenerations.org. March for Meals is a national campaign held during the month of March,
initiated and sponsored by the Meals On Wheels Association of America to raise awareness of senior hunger and to encourage action on the part of local communities. To learn more about the National Campaign visit www.mowaa.org. Osceola's Council on Aging assists the frail, elderly, and younger disabled shut-ins by providing them with hot and cold nutritious meals. The service allows them to remain in their own home environment.
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12
Happy New Year Harmony by: Steve Berube, Member Advisory Committee, Harmony Residential Owners Association As this is written, 2015 is coming to a close and New Year ЀϾϿЄ ºÄ ²ÁÁÃÀ²´¹º¿¸ʇ Àʁ ºÅ Ķ¶¾¶µ ²ÁÁÃÀÁú²Å¶ ÅÀ ³Ãº¿¸ ÊÀÆ up to date on any number of random happenings that I may have touched on in previous issues. The Harmony Community Development District (CDD) is entering its second operating quarter of Fiscal Year 2016. Ä ¹²Ä ³¶¶¿ Ź¶ ´²Ä¶ ·Àà ² ¿Æ¾³¶Ã À· ʶ²ÃÄʁ ȱ¿²¿´¶Ä ö¾²º¿ ǶÃÊ ÄÅÃÀ¿¸ µ¶ÄÁºÅ¶ Ź¶ ¶ÉÁ¶¿µºÅÆö À· ĺ¸¿ºȱ´²¿Å amounts of cash in buying out the long term and hugely ¶ÉÁ¶¿ÄºÇ¶ ÄÅö¶Å½º¸¹Å ½¶²Ä¶Äʇ ¶´²ÆĶ Ź¶ Á²Ê³²´¼ À¿ Ź¶Ä¶ ³ÆÊÀÆÅÄ ºÄ ÄÀ ²ÅÅò´ÅºÇ¶ʁ ·Æ½½Ê ¶ÉÁ¶´Å Ź²Å Ź¶ À²Ãµ Ⱥ½½ ´À¿Åº¿Æ¶ ÅÀ ²ÆŹÀú˶ ¾Àö ³ÆÊÀÆÅÄ Æ¿Åº½ ŹºÄ ³Æõ¶¿ ºÄ ÀȮ our books. And, as usual, spending remains below budgeted amounts and income is trending to be slightly higher than ¶ÉÁ¶´Å¶µʇ ÆÅʁ ºÅ ºÄ º¾ÁÀÃŲ¿Å ÅÀ ö¾¶¾³¶Ã Ź²Å ²½½ Ź¶ ¿¶È homes you see DO NOT provide any additional CDD income, though they DO increase costs as each new neighborhood ºÄ ÅÆÿ¶µ ÀǶà ÅÀ Ź¶ ·Àà Á¶ÃÁ¶ÅƲ½ ¾²º¿Å¶¿²¿´¶ʇ Àʁ fee increases seem inevitable though they should remain minimal. You might have noticed that the Neighborhood “G” park ö¿ÀDzźÀ¿ ʯ ½²Ëº¿¸ ŲÃʰ ºÄ ½²Ã¸¶½Ê ´À¾Á½¶Å¶µ ²¿µ ºÅ ºÄ ² ĺ¸¿ºȱ´²¿Å Åò¿Ä·Àþ²ÅºÀ¿ Ź²Å ò¿ ú¸¹Å ²Å Ź¶ ³Æµ¸¶Å¶µ amount. It seems certain that a few changes will need to be made here as usage patterns emerge and of course we will address those as needed. Hopefully, the new Celebration ¶Ã¾Æµ² ÄÁÀÃÅ ÅÆ÷ ȺŹÄŲ¿µÄ Ź¶ ¹¶²ÇÊ ÅòȲ´ ºÅ ½º¼¶½Ê will be subjected to. Related is the linear park project Ź²Å Á²Ã²½½¶½Ä ÆÅŶÃȷÊ ÃºÇ¶ʇ ¹ÀƸ¹ ºÅ ºÄ ²ÁÁÃÀǶµ ²¿µ budgeted, the quotes we are receiving are running about double the estimate provided by the engineer. This high cost ºÄ ² öȷ¶´ÅºÀ¿ À· Ź¶ ³ÆÄÊ ´À¿ÄÅÃƴźÀ¿ ¾²Ã¼¶Å ȹº´¹ ¼¶¶ÁÄ the concrete contractors busy. We will continue the quote process to be sure we get the best value possible and then launch this much-needed additional park area. ¶¾¶¾³¶Ã Ź²Å ÊÀÆà Ѓ ¾¶¾³¶Ã À²Ãµ À· ÆÁ¶ÃǺÄÀÃÄ ²Ã¶
²½½ ö嵶¿ÅÄ È¹À ´²¿ ³¶ ´À¿Å²´Å¶µ ²Å ŶǶʁ ²Êʁ ²Ã¼ʁ Kerul or David @HarmonyCDD.org should you need more information on any CDD topic. The Harmony Residential Owners Association (HROA) is ²½ÄÀ º¿ ÄÅÃÀ¿¸ ȱ¿²¿´º²½ Ĺ²Á¶ ¾²º¿½Ê ³¶´²ÆĶ ²½½ Ź¶ ¿¶È growth you see does provide additional income. This is ½²Ã¸¶½Ê ³¶´²ÆĶ Ź¶ À²Ãµ ¹²Ä º¾Á½¶¾¶¿Å¶µ ´¹²¿¸¶Ä º¿ Ź¶ ·¶¶ ÄÅÃÆ´ÅÆÃ¶Ä Ã¶½²Å¶µ ÅÀ ¿¶È ¹À¾¶Ä ²½½ÀȺ¿¸ Ź¶ À²Ãµ ÅÀ implement the changeover to resident control of the HROA yet only raise fees a minimal amount. This resident control is expanding what with the formation of Garden, Design, Covenants, Activities and a few other committees all of which are resident-driven. ¶Ã¹²ÁÄ Å¹¶ ¾ÀÄŠĺ¸¿ºȱ´²¿Å Ĺº·Å º¿ ´À¿ÅÃÀ½ ¹²Ä occurred with the formation of the Membership Advisory Committee (MAC). The MAC is the Committee that all the other Committees will interact with and the MAC will be responsible for the overall budget as well as the day-to-day activities and resident interactions with the HROA. While
²¾ ¿À ½À¿¸¶Ã µºÃ¶´Å½Ê ²ÄÄÀ´º²Å¶µ ȺŹ Ź¶ À²Ãµʁ I have been appointed as chair of the MAC by my fellow MAC members Carl Fsadni and Eva Horner, both of whom are residents. It is important to realize that with resident ´À¿ÅÃÀ½ ´À¾¶Ä ö嵶¿Å öÄÁÀ¿Äº³º½ºÅÊʨ¶ÄÁ¶´º²½½Ê ȱ¿²¿´º²½ responsibility. The most noticeable ( read:expensive ) Committee listed above is Activities. It is simply fabulously expensive to put on certain events here despite the marvelous ¶ȮÀÃÅÄ À· ÊÀÆà ´ÅºÇºÅº¶Ä À¾¾ºÅŶ¶ ÅÀ ½º¾ºÅ ´ÀÄÅÄʇ Àʁ ÄÀ¾¶ hard decisions might have to be made since the Developer is no longer generously funding this area of the budget. For more information or questions regarding the HROA, please contact rose.meister@fsresidential.com or myself at spberube@earthlink.net. Happy New Year and see you next month!!
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DID YOU KNOW? by: Kerul Kassel PHD Harmony CDD Board Member DID YOU KNOW that Harmony was designed to promote the peaceful coexistence of human and animal residents within the community while striking a balance between the preservation, use and enjoyment of Harmony’s natural areas? Underlying these objectives are the values of fostering a respect for the land, the protection of wildlife and the sensible use and enjoyment of Harmony’s abundant natural and manmade amenities by its residents.
animals to attacks by dogs, or collision with vehicles. You risk injury when you do not keep a respectful distance from wild animals. They can misinterpret your actions. They don’t know where the food stops and your fingers begin. Then, through no fault of it’s own, the animal is blamed when people complain of being bitten or “attacked.” Wild animals often cause property damage when they are fed human food. Animals will chew or bite into packs and coolers and even enter vehicles and buildings when they learn that these can be sources for food. Raccoons, squirrels, and and birds have entered garages and porches, sometimes causing damage, because they learn there is food stored there.
Keep the wildlife wild, for their safety and yours. As our populations increases there has also been an increase in unfortunate incidents between humans and wildlife here in Harmony. Many of these incidents seem to be connected by animals receiving food as a reward for their willingness to come close to people, whether by accident or intention. Over the years we have had dogs taken by alligators who are made less fearful of humans through feeding, cranes damaging cars and homes by pecking at them, raccoon and possum populations exploding as food waste is left at their disposal.
Feeding wild animals changes their behavior, often with fatal results. Animals are often injured or killed when they spend more time around vehicles parked on the sides of roads, in driveways, and crossing streets to get from “home” to human food sources. They are also easier for predators to catch in these open areas.
Whether people are leaving food out for wildlife, or are not containing their trash adequately, or being careless with the food and beverage wrappings they bring on walks or to our parks, animals begin to associate with humans can result in their loss of fear of humans. This change in behavior may lead to property damage and human injury. For the animals involved it may mean negative health effects or overpopulation resulting from unnatural food sources, dependence on a seasonably unreliable food source, and greater susceptibility to predators and vehicle collisions.
So, by all means, please do enjoy the wildlife, but do so at a bit of a distance. Let’s keep the animals abundant and healthy, and wild.
So please don’t feed or approach wildlife. This includes deer, birds, bobcats, squirrels, alligators, snakes, feral pigs, and all other wild animals. Feeding or approaching wildlife can cause problems for both humans and wildlife. Wild animals that learn to associate humans with food often become dependent on human-related food and trash. They lose their wildness, may become unhealthy and often threaten people and property. They may be cute, but feeding them is bad for you and the animals. Most animals have specialized diets and the “people food” can negatively affect their health. Human food sources can cause increased wildlife populations that are damaging to the environment and that these animals’ naturally available food supplies can’t support, so they become dependent on humanprovided food sources. Unnatural foods can also make them sick. Feeding causes wild animals to lose their natural fear of humans, which can lead to their death in a number of ways. For example, wildlife can become an easy target for hunters, or the bold advances of an animal may be misinterpreted as an “attack” on a person, or living near humans exposes these
It is often against federal, state, or county regulations to feed wild animals, and it is certainly against longstanding Harmony policies. In some cases, violations might result fines.
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The Good News Handyman, a professional handyman service, serves the Greater Kissimmee/St. Cloud area. We can handle all of your home repair, replacement and light remodeling projects. drywall repair toilet repair small room painting pressure washing tile work odd jobs replace garbage gutters disposal deck building /repairs sprinkler repair custom carpentry work door interior/exterior kitchens bathrooms install door locks trim work screens for windows concrete, fencing ceiling fans Email: thegoodnewshandyman@yahoo.com Website: www.thegoodnewshandyman.com
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www.MyrtlesGifts.com 1117 Pennsylvania Avenue • St. Cloud • 407-567-8184
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304 13th Street | Saint Cloud, FL 34769 | (407) 593-2136 at the corner of 192 and Delaware in Saint Cloud
January Social Calendar
Quick Reference Directory
Zumba Dates: Monday and Thursday Time: 6:30 pm Location: Harmony Community School Fee: $5/class or $20 for a ZUMBA CARD for five classes
ACCOUNTANTS Larry Herring CPA, PA 611 N. Wymore Rd Winter Park, Florida 32789 407-647-7777 www.HerringCPA.com
GYM Anytime Fitness 3380 Canoe Creek Rd. Saint Cloud, Florida 34772 407-891-9111 www.AnytimeFitness.com
Yoga Dates: Every Saturday Time: 8:00 am Location: Town Square Other: Susan will be there on February 5th to lead the next story time
AIR CONDITION SERVICES Eric Farnsworth 407-921-0760 elfarnsworth@live.com
HAIR Victor Russell Salon 105 East 13th Street Saint Cloud, Florida 34769 407-892-1005 www.VictorRussell.com
Brought to you by Harmony’s Social Committee
Kids Garden Event Date: Friday, January 15 Time: 4:30 pm Location: Harmony Garden Details: Light refreshments provided! Please bring gloves, bug spray, and sunglasses! Resident Mixer Date: Friday, January 22 Time: 5:30 pm Location: The Courtyard, Champion Details: Light refreshments & 2 drink tickets per adult 21+ RSVP Day Hike Date: Saturday January 23rd Time: 9:15 am Location: Butterfly Trail Details: please make sure to bring a water Book Club Meeting Date: Tuesday January 26th Details: The Nightingale by Kristin Hanna. Info at https://sites.google.com/site/ harmonybookclub/announcements Neighborhood Coffee Date: Saturday, January 30 Time: 8:30 am to 11 am Location: Grandaddy’s
AUTO & TRUCK DEALERS Kisselback Ford 1118 13th Street Saint Cloud, Florida 34769 407-892-2141 www.KisselbackFord.com BANK Center State Bank Karen M. Giel 4898 E. Irlo Bronson Memorial Hwy St. Cloud, Florida 34771 407-891-8396 x3782 CARPET CLEANING Best Care Carpet Cleaning 407-891-9635 www.CarpetCleaningFL.com CHURCHES Harmony Community Church 10am Sundays at Harmony High School 844-444-FBCH www.HarmonyCommunity.church Life Church 10:10am Sundays at Narcoossee Middle School 217-827-7986 www.LifeChurchCFL.com DJ SERVICES HPE House Party Entertainment 407-738-3409 www.HPEMusic.com ELECTRICIAN Hightower Electric, LLC 321-766-6038 FINANCIAL PLANNING AND INVESTING Edward Jones Kerry L. Scott 4725 Old Canoe Creek Rd Saint Cloud, Florida 34769 407-498-0147 Primerica Steve A Mullins 1301 Bedford Dr., Ste 102 Melbourne, Florida 32940 407-738-7479 steveamullins@primerica.com GRAPHIC & WEB DESIGN Energy Graphics Shannon Danford 407-267-6300 www.Energy-Graphics.com
HANDYMAN The Good News Handyman Rick Wade 407-468-1352 HEALTH INSURANCE The Florida Health Insurance Exchange 1712 E 192 Saint Cloud, Florida 34771 407-892-5500 HOSPITAL Health First Holmes Regional Health Care 1350 South Hickory Street Melbourne, Florida 32901 321-434-7000 HOUSE CLEANING Neat & Shinny 407-334-5614 www.NeatnShiny.com INSURANCE Farm Bureau Michael Long 407-847-5189 www.FloridaFarmBureau.com Kocher Insurance LLC 1312 Illinois Ave, Suite H Saint Cloud, Florida 34769 407-957-1918 www.KocherInsurance.com LAWN CARE Triple Palm Lawns 407-957-3489 TriplePalmLawn@aim.com Weed Man 4417 13th St. Suite 182 St. Cloud, Florida 34769 (407) 979-4623 MOVIE THEATERS Cinema World 4345 W. New Haven Ave. Melbourne, Florida 32904 www.CWTheaters.com MUSIC LESSONS Vocal & Piano Lessons Dawn Korzen 407-301-4561 musicinharmony2013@gmail.com ORTHODONTIST Lake Nona Orthodontic Dr. Lach 13832 Narcoossee Rd Suite B101 Orlando, Florida 32827 407-359-1960
Painting and Pressure Washing William “Joe” Murray 407-766-5051 PEST CONTROL Luv-A-Lawn & Pest Control 407- 908-9139 PHOTOGRAPHER Amanda Yachmetz Photography 813-842-6473 AmandaYachmetzPhotography.com PLUMBING SERVICES Linscott Plumbing Services Wayne E. Linscott Sr. 407-891-1700 POOL TABLES Florida Game Rooms 9350 Orange Blossom Trail Orlando, Florida 32837 407-859-4400 www.MyFloridaGameRooms.com PRINTERS Creative Printing 1115 Pennsylvania Ave. St. Cloud, Florida 34769 407-891-9797 www.CreativePrintingFL.com REAL ESTATE The Corcoran Connection, LLC Jeanine Corcoran 390 North Orange Ave. Ste #2300 Orlando, Florida 32801 407-922-3308 jeaninecorcoran@gmail.com www.TheCorcoranConnection.com RESTAURANTS Stone Bridge Tavern The Royal Crest Room 5530 Michigan Ave Saint Cloud, Florida 34772 407-891-0903 StoneBridgeTavernandGrill.com TIRES National Tire and Auto 304 13th Street Saint Cloud, Florida 34769 407-593-2136 TRAVEL Meisner Cruise and Travel 407-738-7088 linda@meissnertravel.com www.MeissnerTravel.com WATER SYSTEMS Aquaman Water Co. Matthew Benetti 321-250-4999 www.Orlando.HagueWater.com
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03/31/16
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