THe Creek Life
May 2016
Meet Your Neighbors, The Capitano Family Photo by Amanda Yachmetz
A publication of Quantum Marketing Communications, LLC
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Spring is here and so are the exciting May Specials.... We have not one, but two awesome deals this month to get you out and about; enjoying all spring has to offer. Thank you.
Bobby Kisselback
Deal One
ALL 2016 New Ford Escapes. 0% for 72 months Plus 500.00 FMCC Bonus Cash. (With approved credit Ford Motor Credit)
Deal Two
ALL REMAINING 2015 New Ford's. 0% for 72 months
(With approved credit Ford Motor Credit)
“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
May 2016
from the
Bill Bokunic Publisher & CEO Quantum Marketing Communications 321.331.6398 Bill@QMCWorld.com
Publisher Welcome to May 2016! I have been getting a lot of feedback and questions regarding the front cover family feature and I will attempt to address them now. How do you choose a family for the cover of Eagle Creek Life? Up until now it’s been just random. More and more families are requesting to be on the cover and we now have a growing list. How can we be on the cover? Send me an email: Bill@QMCWorld.com Please briefly tell me why you would like to be on the cover, how long you have lived in Eagle Creek, and any other pertinent information. Please note that promoting a business or event is not a good reason to be on the cover. Going forward there will be special guidelines regarding this. Who edits your magazine? Well, mostly it’s the individual writers. I do have a Harmony resident who reviews my writings. So if you see something that has mistakes please show a little grace. Recently there was one section that should have come under better scrutiny, and we received many messages regarding it. The great news is that we know the magazine is being read! Going forward we are putting a more critical eye to everything, but 5 people can proof read and still miss things. Please feel free to message me with any questions and don’t hesitate to say hi when you see me out in the community. 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
The Creek Life
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Meet Your Neighbors: The Capitano Family
Who’s on the cover? Amy & Vincent Capitano What is your favorite weekend activity? We Do you have any animals? Lucky and Allie, a love to enjoy the outdoors whether it is loungDapple Dachshund and Cat ing by the pool, going to the beach or enjoying When did you move to EC? We moved into a weekend camping trip. our Eagle Creek home in April of 2012 as first Are there any recommendations for other time home buyers. neighbors? We really enjoy the Chill Pop What street do you live on? Prestbury Drive Lounge, located in Saint Cloud. They serve What do you love most about EC? We love homemade ice cream in a variety of flavors! so many aspects of living in Eagle Creek. Of Do you do any charity or non-profit work? course we love the wonderful golf course and Yes, we volunteer through our Employer for the growing amenities for us to enjoy. We have MSABC, SafeHouse of Seminole, JDRF and met many great families in the community and work with our local Orange County schools. enjoy the community events. We also like the What do you do for fun? We love to travel general location of this community which is a and visit new places. We enjoy attending sportcomfortable distance from the places we ing events, watching movies and making memfrequent such as the theme parks, malls and ories through our adventures with family and work. friends. Where did you move from? We moved from What is the last movie that you have seen in The Enclave at Moss Park the theatre? We last saw Batman V SuperWhat do you miss most? We miss the man at the new Epic Theaters which is a very secluded walking trails of The Enclave at Moss nice theater. Park and the close proximity to Moss Park. Who is your role model and why? Our role What is your background? I was born and models are our parents! They have both been raised in Orlando, Florida. Vince was born and in marriages that have exceeded 25 plus years raised in Tampa, Florida. Vince moved to and raised two amazing families. We strive to Orlando to attend UCF. We met at Siemens follow in their footsteps. Energy when I was assigned a desk located What is your favorite TV Show? ABC’s, The directly next to him. We became friends, got Blacklist. married five years later, just celebrated our four What else should we know about you or year wedding anniversary and are now expect- your family? We are expecting our first child in ing our sweet little boy. September. This picture was taken nearby off What is unusual or unique about EC, in of Clapp Simms Duda road as part of our pregcomparison to your previous home? The nancy reveal photo shoot. We are so excited to community! We love the community and family become parents and raise a baby boy in this feel of Eagle Creek. Previously we rented, we wonderful community. now feel home!
THe Creek Life 5 Biggest Mistakes When Choosing a Real Estate Agent by Jeanine Corcoran Spring and summer can be the busiest time of the year for real estate agents. As the school year is coming to an end, a lot of home owners decide to make their move to sell their home. Selling your home is one of the biggest transactions you’ll ever make and one you shouldn’t do on your own without the help of a real estate professional. Don’t be the homeowner that makes any of the following mistakes: 1. Choosing an agent who doesn’t know or who isn’t the expert in your community It’s important to choose an agent who is familiar with and active in your community. An agent who is active, is constantly promoting your property to neighbors and visitors. An agent who believes in the community is the best agent to sell your home. 2. Number of years’ experience isn’t the most important Honestly, that large number of how many homes they sold in the past 25 years sounds impressive but more importantly is their success rate. An agent who listed 100 homes last year but only sold 25, has a success rate of 25%. An agent who listed 15 homes and sold all 15 has a success rate of 100%. Success rate is important. 3. Flat Fee Service Companies The fact is, you get what you pay for. This is not the correct
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approach when you’re dealing with such a large transaction. Chances are you think you are saving money but in reality you are probably not getting the most money for your property. Penny wise and pound foolish comes to mind. 4. Choosing the agent who gives you the highest listing price It all sounds good at the time, but when your house is still on the market in six months, are you really accomplishing your goal of selling your home? Go with the facts given to you on what sold in your neighborhood, they don’t lie. Knowing up front what a realistic price is for your property will avoid disappointment at closing. 5. Choosing an agent who cares about one thing…..commission The agent gives the best presentation but deep down you know they only care about their commission. That agent doesn’t care about getting you the most money for your home. The best agent is the one that listens and cares about your goals. Selling your home can be stressful, but it doesn’t have to be. Don’t make the mistake of choosing an agent who isn’t an expert in your community, who has the most number of years in the business, who gives you the cheapest commission, who gives you the highest list price or the agent who only cares about one thing—making a commission. Making the right choice of who should sell your home will make your selling experience pleasant and profitable rather than a nightmare. 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 JeanineCorcoran@gmail.com, or visit TheCorcoranConnection.com.
THe Creek Life Putting Investors First by Jason Flowers MBA, CFA, CFP, EA
Trust in the financial industry is paramount to the sustainability of the industry. The CFA Institute, the global association of investment professionals who award the designation of Chartered Financial Analysts, recognized the need for communicating the importance of this trust between the investing community and their advisors. One of the CFA Institute’s most significant statements came from the creation of a global initiative to unite the CFA community and investment professionals worldwide by “Putting Investors First.” The month of May has been adopted by the CFA community to highlight the importance of investor rights above those of all others in the industry. The CFA community spans 150 countries with over 135,000 CFA Charterholders. CFA Charterholders earn their designation from the CFA Institute after passing years of rigorous examinations and obtaining professional experience. The CFA Institute defined a “Bill of Investor Rights.” When you work with a CFA Charterholder, you should expect: 1. Honest, competent, and ethical conduct.
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2. Objective advice and assistance. 3. Your financial interests over those of the professional and the organization. 4. Fair treatment with respect to other clients. 5. Disclosure of any existing or potential conflicts of interest. 6. All advice provided is based on your financial objectives and constraints. 7. Clear, accurate, complete and timely communications that use plain language. 8. An explanation of all fees and costs charged to you. 9. Confidentiality of your information. 10. Appropriate and complete records. Events in honor of the initiative of “Putting Investors First” are held throughout the CFA Community and are open to investment professionals and the investing public. To find an event near you reach out to your local CFA Society. Events from the CFA Society of Orlando can be found at www.cfaorlando.org. Herring CPA and Consultants is a professional CPA firm in Central Florida with over 25 years of experience serving businesses and individuals. Herring CPA and Consultants is affiliated with the brokerage firm, Certified Financial Advisors LLC / Money Concepts. We value professionalism, responsiveness and quality. Join us this May in “Putting Investors First.” For your accounting needs reach us at info@herringcpa.com. To speak with our investment professionals at Money Concepts call us at 407-696-6639.
11 THe Creek Life
1% to Retirement by Vasanti Rosado
When it comes to retirement, saving earlier is always better. As soon as you enter the workforce, you should begin saving. It may be daunting and seemingly impossible to save enough money to live work-free for years, but the benefit of compounded interest and investments pays off in the long run. The federal government limits how much you can save in a given year based on how old you are, so you'll want to work with a financial advisor to determine how much you can save as well as other options available to you to achieve a sizeable amount. My recommendation is to start with a review of what your workplace offers. If they match your contributions, start there. For example, if you are matched 5% of your salary as their contribution, start at 5% to max out this benefit. I've seen many different types of plans, including matching a percentage of your contributions (versus a percentage of your salary), so check
the wording carefully and start with a realistic amount. It's easiest to start putting money towards retirement when you start a new job because you won't miss the extra money. However, if you are starting mid-career, you may feel the reduction immediately. So how do you get to where you want to be without sacrificing too much? I suggest the 1% rule. This means, every year after you receive your raise, increase your retirement allocation by 1%. This is a minimum. If you've received a sizeable increase and you don't need the extra money, put as much as you can afford into retirement. Don't look at it as money lost. You are paying yourself tenfold in having the freedom to live comfortably later on. Even if you love your job, you may want to travel, visit the theatre, or take part in a new hobby. You don't know what the future brings, so it's best to allow yourself the opportunity to live comfortably. And, you can do this 1% at a time.
06/30/16
06/30/16
06/30/16
THe Creek Life Business Spotlight by Bill Bokunic
This month we spotlight our friends and Harmony residents, Victor Russell Salon! Victor Russell, (Joe and Rick) have supported Harmony Life magazine since day 1 and really help me bring the publication to you! It’s fantastic to find New York, world class, stylists in our area. Please show them some Harmony love by giving them an opportunity to earn your business. Here’s a little more about Victor Russell Salon: Victor Russell Salon is dedicated to superior service and personal attention in an intimate and relaxed atmosphere. Our focus is to provide our valued clients with unsurpassed excellence in every aspect of hair care and beauty while attending to each client’s individual concerns and style. We achieve this high standard of service with our professionally qualified team and their continuing education. HAIRCUTS – COLOR – MAKEUP – SKINCARE – MASSAGE – BRIDAL – BOUTIQUE – MEN’S CORNER – FRAGRANCES - EYELASH EXTENSIONS
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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
GYM Anytime Fitness 3380 Canoe Creek Rd. Saint Cloud, Florida 34772 407-891-9111 www.Anytimefitness.com
ADVERTISING AND MAGAZINES Harmony and Eagle Creek Life Magazines Bill Bokunic 321-331-6398 Bill@QMWWorld.com www.QMCWorld.com
HANDYMAN The Good News Handyman Rick Wade 407-468-1352
AIR-CONDITION SERVICES Action Air & Electric 407-892-7617 www.ActionAirstc.com BANK Trustco Bank 1525 E Osceola Pkwy (407) 932-0398 CARPET CLEANING Eco Steam 407-556-5651 CHURCH’S Life Church 10:10 am Sundays at Narcoossee Middle School www.lifechurchcfl.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 FINANCIAL PLANNING AND INVESTING Edward Jones Kerry L. Scott 4725 Old Canoe Creek Rd. Saint Cloud, Florida 34769 407-498-0417
MUSIC LESSONS Music in Harmony Piano lessons and Vocal Coaching by Dawn Korzen 7130 Indiangrass Harmony Florida, 34773 Musicinharmony2013@gmail.com Call 407-301-4561 for interview PEST CONTROL Luv-A-Lawn & Pest Control 407-908-9139
Management Now serving international clients with Portuguese/Brazilian and Spanish speaking team members 407-922-3308 Jeaninecorcoran @gmail.com http://www.thecorcoranconnection.com
HAIR Victor Russell Salon 105 East 13th Street Saint Cloud, Florida 407-892-1005 www.victorrussell.com
PHOTOGRAPHER Amanda Yachmetz Photography 813-842-6473 Amandayachmetzphotography.com
RESTAURANTS Stone Bridge Tavern The Royal Crest Room 5530 Michigan Ave Saint Cloud, Florida 34772 407-891-0903 www.stonebridgetavernandgrill.com
Hospital Health First-Holmes Regional Health Care 1350 South Hickory Street Melbourne, Florida 32901 321-434-7000
PRINTERS Creative Printing 1115 Pennsylvania ave Saint Cloud, Florida 34769 407-891-9797
TIRES NTA National Tire and Auto 304 13th Street Saint Cloud, Fl 34769 407-593-2136
POOL TABLES Florida Game Rooms 9350 S. Orange Blossom Trail tr #12 407-859-4400 www.myfloridagamerooms.com
TRAVEL Meisner Cruise and Travel 407-738-7088 tvlwithlinda@gmail.com Facebook : Harmony Get A Way with Meissner Travel
REAL ESTATE The Corcoran Connection, LLC Jeanine Corcoran Owner/Broker Selling/Buying/Renting/Property
WATER SYSTEM’S Dependable Water Treatment 407-242-7150
HOUSE CLEANING College Girl Cleaning Service 407-879-7763 Catherine@CollegeGirlCleaningService.com INSURANCE Farm Bureau Michael Long 407-847-5189 www.floridafarmbureau.com Kocher Insurance, LLC 1312 Illinois Ave, Suite H Saint Cloud, Florida 37769 407-957-1918 www.Kocherinsurance.com LAWN CARE Triple Palm Lawns 407-957-3489 Triplepalmlawn@aim.com
GARAGE DOORS & OPENERS D.S.I. Sales / Service / Repairs 407-970-5847 dsigaragedoor@yahoo.com dsigaragedoorandopener.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
GRAPHIC & WEB DESIGN Energy Graphics Shannon Danford 407-267-6300 www.energy-graphics.com
MOVIE THEATERS Cinema World East of 95. On 192 next to Sam’s club. Melbourne, FL CWTheaterts.com
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for our monthly $50 Gift Certificate for Myrtles 1117 Pennsylvania Avenue St. Cloud 34769 • 407-567-8184 www.MyrtlesGifts.com Downtown St. Cloud- behind Kisselback Ford
Haircuts • Color • Makeup • Skincare • Massage Bridal • Boutique • Fragrances • Men’s Corner
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