Eagle Creek Life
February 2016
Meet Your Neighbors, The Perez Family Photo by Amanda Yachmetz
A publication of Quantum Marketing Communications, LLC
Trustco Bank Mortgages TRUSTCO BANK Your Home Town Bank R
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*PMI - Private Mortgage Insurance. Lender paid Private Mortgage Insurance on loans over 89.5% Loan-to-Value. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification.
Hello From Kisselback Ford. Happy to announce our new referral program for 2016
& TELL At Kisselback Ford we pay you to Kiss and Tell. As a “thank you” for a referral we will pay you or your favorite charity for each referral that results in a vehicle purchase. All you have to do is email Kiss@Kisselbackford.com with the prospects name, before they speak with one of our Ford experts, and once the vehicle has been purchased we will mail you a check. See www.kisselbackford.com for more details Expires 12-31-16
Thank you.
Bobby Kisselback
“The Works” $29.95
plus tax
Oil Change and Tire Rotation
407-892-2141 • KISSELBACKFORD.COM 1118 13TH STREET • ST.CLOUD, FL 34769
Most Makes and Models Gas Engines Only Diesel Discounts Also Available
February 2016
from the
Bill Bokunic Publisher & CEO Quantum Marketing Communications 321.3.31.6398 Bill@QMCWorld.com
Publisher Happy February! We need community content! This is a great opportunity to help Eagle Creek residents stay informed with local happenings. Please message me for more details or to send articles: Bill@QMCWorld.com This is a big shout-out to the Eagle Creek residents and community businesses that help bring the magazine to you! Dr Lach, Lach Orthodontics Energy Graphics Amanda Yachmetz Photography Jeanine Corcoran, The Corcoran Connection Please welcome and support our new advertisers: Trustco Bank and Mortgage Dependable Water solutions Efrain Rodriguez, I Repair PC’s We are also expanding and hiring. We are looking for part time sales and graphics help. Email me directly bill@QMCWorld.com Thank you for supporting us! Bill Bokunic
Contact Info For Residents
EMERGENCY Emergency ONLY: Utilities Emergency:
911 407-836-2777
GOVERNMENT Orange County: OC Public Schools:
(407) 858-3200
Sherrif:
407-254-7000 Non-emergency #
UTILITIES OC Utilities
407-836-5515
BrightHouse:
Phone/Internet 877-892-3279
OUC Electric:
407-957-7373
Waste:
Large Item Collection 407-836-6601
O.C. Public Works:
407-836-3111
Eagle Creek Life Meet Your Neighbors: The Perez Family
4 Who’s on the cover? Coraly Perez
the Medical Affairs department of a Biotech company that specializes in Multiple Sclerosis and other Do you have any animals? Sophie & Bianca, West Neurological conditions. Highland White Terrier -"Westie" What is your favorite weekend activity? I enjoy When did you move to Eagle Creek? July 2013 being home, going to movies and shopping. What street do you live on? Belfry Circle What do you do for fun? Travel What do you love most about Eagle Creek? I What is the last magazine that you read? love that I am seeing the community grow, that National Geographic Expeditions there are many areas to walk, run, bike. Since I travel quite a bit I also love that it is very close to What is the last movie that you have seen in the airport. the theatre? The Martian Where do you move from? San Juan, Puerto Rico What is your favorite TV show? The Walking Dead What do you miss most? Family and friends. Although I am blessed with a job that allows me to What makes you laugh? Many things although I see them often. have to say the adventures of my nephew, Sebastian and Goddaughter Dariana always make me What is you back ground? I was born in Arroyo, laugh. Puerto Rico. At the age of 4 my family moved to Alexandria, VA so that my father could pursue a job What else should we know about you or your opportunity with the Federal Government. After family? Many things although I have to say the six years we moved back to Puerto Rico. I have a adventures of my nephew, Sebastian and bachelors degree in Pharmacy from the University Goddaughter Dariana always make me laugh. of Puerto Rico Medical Sciences Campus and a Doctorate in Pharmacy from the University of Illinois-Chicago. I currently work from home for
Eagle Creek Life
5
Real Estate Investing 101 by Jeanine Corcoran
Today, there are many different ways to invest your money. Some investments include certificates of deposit, bonds, annuities, mutual funds and gold. When looking at all of your options, consider real estate as THE one option that has historically given a good return on your money. Here are some tips for real estate investing. Be Prepared Financially. Investors need enough cash to put a sizable 20% down payment if financing. An emergency fund will be needed for maintenance expenses and for times of vacancy and any other surprises that might arise.
short-term? A long-term investment usually means you will put a tenant in the property for at least five years. A short-term investment can be as short as three months if there is equity to flip the property. Find a Reliable Realtor. Find a trustworthy and reliable Realtor to help you understand the local market. This will be your best resource to help you find the right investment for you.
Investing in real estate can be scary if you don’t know what you are doing. Be prepared financially, do your research, know your location Do Your Research. Know everything about the community you and goals and most of all, find a reliable Realtor to help you navigate are purchasing in. Is there room for growth? What are the possible through the process. If you do all of this, the scary goes away and it changes that might be coming to the area that could affect property is replaced with excitement and financial gratification. values? Jeanine Corcoran is the Broker and Owner of The Corcoran Connection, LLC – Know Your Location. Is the property located in a desirable area? A A Real Estate and Property Management Company. Jeanine has been helping families with their Real Estate needs since 2005. Jeanine is Barbara Corcoran’s desirable area would have job growth and conveniences such as sister from ABC’s SHARK TANK. Jeanine can be reached at 407.922.3308, email grocery stores, gas stations and shopping centers. her at JeanineCorcoran@gmail.com, or visit TheCorcoranConnection.com. Know Your Goals. Will your investment be long-term or
Have a happy Valentines Day
From Quantum Marketing Communications
Eagle Creek Life
7
Discovering a Health Savings Account by Jason Flowers MBA, CFA, EA
A health savings account (HSA) is a “tax advantaged” health savings account that is used in conjunction with a “high-deductible” health plan (HDHP). An HSA provides a useful way to save money for co-payments, deductibles, and qualified medical expenses. An HSA is “tax-advantaged” because contributions to the plan may be made with pre-tax dollars. Contributions made with after-tax dollars may be deducted from gross income on your tax return. Contributions are allowed to be made by yourself, your employer, a relative and anyone else who wants to add to your HSA. A “high-deductible” health plan (HDHP) is a health insurance plan where minimum deductibles are $1,300 for individuals or $2,600 for family plans. HDHP are intended to provide insurance at a lower cost via lower premiums, but place the insured at risk of paying a higher deductible in the event of incurring significant medical expenses. Money contributed to an HSA may be invested in stocks and other financial instruments. Earnings in an HSA grow tax free. Withdrawals from an HSA are tax-free when used on qualified medical expenses. Withdrawals for non-qualifying medical expenses are
subject to federal income tax. An additional 20% penalty exists for withdrawals made prior to age 65 when used for non-qualified medical expenses. Funds invested in an HSA are portable if your employment status or health insurance changes. The IRS limits annual contribution to an HSA. In 2015, an individual plan is limited to contributions of $3,350 while a family plan is allowed a maximum of $6,650. In 2016, contributions to an HSA for a family plan were raised to $6,750, while individual plans remained unchanged. An additional “catch-up” contribution of $1,000 is allowed for either type of plan when over the age of 55. A HSA can be a great choice for people who wish to limit their upfront healthcare costs while saving for future expenses. HSAs aren't ideal for everyone. If having a high deductible seems too risky or if you anticipate having significant healthcare expenses a plan with a lower deductible and lower co-pays might make more sense. Before making any decisions, it’s always a good idea to compare your options and take a close look at the cost elements associated with the different options. And remember, always keep good records with regards to use of HSA funds.
Eagle Creek Life
9
Do You Need More Life Insurance? by Steve Mullins, Investment Adviser, Primerica
As your family reaches certain milestones, chances are you need to adjust your coverage. Check out these three instances where you may need to modify your life insurance coverage.
est because you’re supporting a young family. Most financial experts recommend purchasing a policy of at least seven to 10 times your gross income (more if you have more kids and your expenses are on the rise).
#1 Someone depends on you financially. If you’re married without children, you may need coverage if your spouse relies on your income to help pay the mortgage and other bills. If you have kids, you really need life insurance. And most people don’t have enough.
#3 Every five years.
Many financial experts recommend reviewing your life insurance needs every five years and whenever you have a major life change, such as the birth of another child, starting a new job or taking out a bigger mortgage. Even after your kids are on their own, financial experts recommend keeping some #2 You have small children. This is when you need the greatest amount of life insurance as long as you’re working to help your insurance. When you’re young, your needs are great- spouse pay the bills and save for retirement.
Steve brings Wall Street to Main Street 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
While: • Reducing their stress level • Improving their quality of life • Helping them enjoy life
independent
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 cial 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
© 2015, Forbes Media LLC. Used with permission.
11 Eagle Creek Life
The Gloves Sarah Lent Me by Vasanti Rosado
It was FREEZING COLD! By far, it was the coldest day of winter this season and unseasonably cold overall for Florida. It was my first booth with Usborne Books and More at the Touch a Truck event in downtown Orlando. The wind was icy and we had mist (A.K.A. Florida snow). The high was supposed to be 56, but it only reached 48 and felt like 39! It was quite possibly the worst day to start a business and the best day to make new friends. Funny how camaraderie occurs naturally when you are placed in harsh conditions! As vendors, we get to events early, haul our goods to the viewing area, and rush to get everything “just so” before the first customer arrives. We were fighting the worst of temperatures after a lovely 69 degrees the day before, albeit with heavy rain here and there. So who were we to complain since our goods were not getting wet? We looked forward to the rising temperatures as the day progressed. They never came. Instead, we could count on one hand the number of times the sun peeked through the clouds and then quickly disappeared again to return to the gray, drizzly, and brutally windy day. Every few moments, a loud clap would rumble through the square as a vendor’s signage, goods, or whatever else was not
weighted, fell in a large gust of wind. It was torturous and our visitor count was diminished due to the unnatural cold in the usual lovely Orlando winter weather. I was so glad to hear Sarah when she called out my name. A familiar face! Her family had made the trek to the event and found my booth. She saw I was freezing and immediately offered her gloves. What a sign of a great friend. She literally offered me the clothes off her back. And they were so warm! My frozen fingers immediately warmed up! Sarah exhibited characteristics we want our children to possess. She was willing to sacrifice her warmth so I could finish out my hours of work a little warmer. Being a good friend and putting others’ needs before ours is a valuable attribute. And, what is life without friendship that urges you to do what you would want done if the tables were turned? Christmas season has passed, but we don’t need the holidays to remind us of how good it feels to give to others. So my message to you is to pay it forward. You won’t always know when your little ones are watching and absorbing the things we do and say to show appreciation for our friends, family, and even strangers.
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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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Explore over 1,500 entertaining and educational Usborne & Kane Miller books for your family! Contact me for book recommendations, home shows, or fundraisers! Vasanti Rosado http://x4750.myubam.com vasanti@NonaMom.com
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Quick Reference Directory ACCOUNTANTS Larry Herring CPA, PA 611 N. Wymore Rd Winter Park, Florida 32789 407-647-7777 www.herringcpa.com ADVERTISING AND MAGAZINES Harmony and Eagle Creek Life Magazines Bill Bokunic 321-331-6398 Bill@QMWWorld.com www.QMCWorld.com BANK Trustco Bank 1525 E Osceola Pkwy (407) 932-0398
Edward Jones Kerry L. Scott 4725 Old Canoe Creek Rd. Saint Cloud, Florida 34769 407-498-0417
Kocher Insurance, LLC 1312 Illinois Ave, Suite H Saint Cloud, Florida 37769 407-957-1918 www.Kocherinsurance.com
POOL TABLES Florida Game Rooms 9350 S. Orange Blossom Trail tr #12 407-859-4400 www.myfloridagamerooms.com
GRAPHIC & WEB DESIGN Energy Graphics Shannon Danford 407-267-6300 www.energy-graphics.com
LAWN CARE Triple Palm Lawns 407-957-3489 Triplepalmlawn@aim.com
REAL ESTATE The Corcoran Connection, LLC Jeanine Corcoran Owner/Broker Selling/Buying/Renting/Property Management Now serving international clients with Portuguese/Brazilian and Spanish speaking team members 407-922-3308 Jeaninecorcoran @gmail.com http://www.thecorcoranconnection.com
GYM Anytime Fitness 3380 Canoe Creek Rd. Saint Cloud, Florida 34772 407-891-9111 www.Anytimefitness.com
CARPET CLEANING Best Care Carpet Cleaning 407-891-9635
HANDYMAN The Good News Handyman Rick Wade 407-468-1352
CHURCH’S Life Church 10:10 am Sundays at Narcoossee Middle School www.lifechurchcfl.com
HAIR Victor Russell Salon 105 East 13th Street Saint Cloud, Florida 407-892-1005 www.victorrussell.com
COMPUTER REPAIR I Repair PCS Efrain RODRIGUEZ 773-865-2697 WWW.IREPAIRPCS.NET efraincfd@gmail.com DJ SERVICES HPE House Party Entertainment 407-738-3409
Hospital Health First-Holmes Regional Health Care 1350 South Hickory Street Melbourne, Florida 32901 321-434-7000
FINANCIAL PLANNING AND INVESTING Primerica Steve A Mullins 1301 Bedford Dr Ste 102 Melbourne, Florida 407-738-7479 stevamullins@primerica.com
HOUSE CLEANING Neat & Shinny 407-334-5614 www.neatnshiny.com INSURANCE Farm Bureau Michael Long 407-847-5189 www.floridafarmbureau.com
MORTGAGE Trustco Bank SARAH NEAR - BRANCH MANAGER REBECA ESCOTE - ASSISTANT 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 CWTheaterts.com ORTHODONIST Lake Nona Orthodontic Dr. Lach 13832 Narcoossee Rd. Suite B101 Orlando, Florida 32827 407-359-1960 PEST CONTROL Luv-A-Lawn & Pest Control 407-908-9139 PHOTOGRAPHER Amanda Yachmetz Photography 813-842-6473 Amandayachmetzphotography.com PRINTERS Creative Printing 1115 Pennsylvania ave Saint Cloud, Florida 32801 407-891-9797
RESTAURANTS Stone Bridge Tavern The Royal Crest Room 5530 Michigan Ave Saint Cloud, Florida 34772 407-891-0903 www.stonebridgetavernandgrill.com TIRES NTA National Tire and Auto 304 13th Street, Saint Cloud, Fl 34769 407-593-2136 TRAVEL Meisner Cruise and Travel 407-738-7088 Meissnertravel.com WATER SYSTEM’S Dependable Water Treatment 407-242-7150
Haircuts • Color • Makeup • Skincare • Massage Bridal • Boutique • Fragrances • Men’s Corner
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