FLORIDA’S PREMIER COMMUNITY January 2018
MEET YOUR NEIGHBORS,
THE POCIASKS A publication of Quantum Marketing Communications, LLC
Photo by Christina Dalton
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FROM THE PUBLISHER, BILL BOKUNIC PUBLISHER & CEO Welcome to the January 2018 edition of Harmony Life Magazine! We are welcoming the following new advertisers and supporters to Harmony Life Magazine. Living Well Chiropractic, owned by Harmony resident Dr. Richard Takanen. Both Jeanine and I are patients of Dr. Richard and highly recommend him and Ester, his Massage Therapist. They are located in the Fitness CF (used to be Gold’s Gym) and Outback plaza in St. Cloud.
Bill Bokunic Quantum Marketing Communications, LLC 321.331.6398 Bill@QMCWorld.com www.QMCWorld.com Harmony Life Magazine
The Pup Pantry is a unique place for heathy dog treats, food and products. They have a very loyal following and I’m sure our Harmony “pups” will really enjoy their offerings. Our dog Arya is a fan! The famous Koffee Kup in St. Cloud is now a part of the Harmony Life family. The Koffee Kup Restaurant offers great home-style cooking at affordable prices. They offer great breakfast, lunch and dinner specials with everything from delicious burgers, salads and complete meals for the entire family. And of course, please support all of the companies who help bring Harmony Life Magazine to you! Remember to join the Harmony Residents Forum on Facebook and sign up on MyHarmonyFL.com for weekly emails of events and happenings. See you in February! Bill Bokunic Bill@QMCWorld.com
Contact Info for Residents CDD HarmonyCDD.org, 407-566-1935 Steve, Ray, Bill, Kerul or Dave@HarmonyCDD.org SHERIFF, NON-EMERGENCY 407-348-2222 HROA
First Services Residential 866-378-1099 or FSResidential.com
CONDOS HOA
Sentry Management, 407-846-6323
TOWNHOMES HOA HARMONY DEVELOPER OFFICE
TITAN Management, 407-705-2190 407-891-8358, HarmonyFL.com
SPECTRUM CABLE / INTERNET
877-892-3279
CENTURY LINK CABLE / INTERNET
866-314-4148
OUC ELECTRIC
407-957-7373
WASTE MANAGEMENT Monday: Recycling pick up Wednesday: Yard Debris pick up Friday: Trash pick up
866-724-2989
OSCEOLA COUNTY COUNTY COMMISSIONER FRED HAWKINS
Osceola.org “Citizen Action Center” fhaw@osceola.org
January 2018 | Harmony Life Magazine 1
MEET YOUR NEIGHBORS: THE POCIASKS in need of a Christmas tree and all that entailed. It was posted on the Resident Forum and by the end of the day everything had been brought to the school.
What is unusual or unique about Harmony, in comparison to your previous home? The kids
have a built-in network of friends that they see at school, then at the parks and pools. That holds true for the adults too. There is a built-in network of community members that actually want to do things together.
As a family, we also operate Second Hand Stockdogs. We pair “throw-away” herding dogs with veterans in need of a service dog. There are almost 30% of Vietnam veterans, 10% of Gulf War veterans, and between 11 and 20% of veterans of the War on Terror suffering from PTSD. Herding dogs find themselves lost in the shelter system due to their high energy and high drive. Together these two populations can greatly assist one another.
Do you have a cause or business that you would like to promote? Along with being
What is… Your name? Mike Pociask. Your spouse’s name? Jessica Pociask. Your children's name? Michael and Jax. Your pet's name? Bo. Type of pet? Cowdog.
What is your favorite weekend activity? We
never stop moving. Whether it’s a day at Sea World, traveling to see family, or just spending time at one of the parks — we definitely just like to stay busy.
the high school coach, Jess also does private tennis lessons for all ages and all skill levels. Mike is working towards building a contract grazing company using sheep as an alternative to machinery to maintain solar farms, vineyards and orange groves.
When did you move to Harmony? End of July.
Is there a neighbor experience you are most proud of? It’s the little things, from being able
What do you do for fun? We love zoos and
to borrow glue for a school project to our boys playing at the neighbor’s house without worry and vice versa to everyone coming together to clean up after the hurricane. The little things add up.
amusement parks. We have been members at the Brevard Zoo for going on 5 years, and rotate our annual pass between all of the theme parks in Orlando, year after year. We currently have SeaWorld passes.
Are there any recommendations for other neighbors? Get out there and knock on your
What is the last movie that you have seen in the theatre? We took the boys to see “Ferdinand.”
What street do you live on? Buttonbush Loop. What do you love most about Harmony? Family-Friendly Community Activities.
What are your kids’ favorite things about Harmony? The pool and The Grill. Where did you move from? Deseret Ranch. What do you miss most? Wide open spaces. What is your background? Mike: firefighter/ EMT and rancher; Jessica: Mental Health Therapist and current guidance counselor at Harmony Community School. What is a good story about Harmony? It
never ceases to amaze us how many community members “show up” to support the community in every way. For example, a student’s family was
neighbor’s doors. Have conversations with them! It is the relationships that make a community unique.
Do you do any charity or non-profit work?
Mike is working towards creating the Harmony Emergency Action and Response Team with another meeting coming in January. Jess is the Harmony Lady Longhorns Tennis Coach with their season starting in February. Mike is also a member of Team Rubicon, which is a nonprofit disaster relief group that also helps bridge the gap from veterans returning to civilian life.
Who is your role model and why? Mike’s role
models are his parents, Michael and Donna. His father took time out to ensure that he was always a head coach or assistant coach for every sport he and his two brothers ever played. His mother is the definition of empathy and selflessness. They are the embodiment of Christ-like service. Jess’ role model is her Grandmother Dolores Thiel. Grams has selflessly raised three children, and played a strong role in raising Jess and her brother. Grams is the matriarch of the family, and is the glue that binds everyone together.
What is your favorite TV Show? Mike’s favorite
What else should we know about you or your family? As a family, we love sports and animals
of all shapes and sizes. We are a family filled with veterans, and wear that badge proudly! Michael is a Navy veteran, as is his stepfather. Jess’ brother is an Air Force veteran. All told we have over a dozen veterans in just two generations! n
2 Harmony Life Magazine | January 2018
PHOTO: CHRISTINA DALTON
shows are Survivor and Shark Tank; Michael loves Christmas Light Fights, and Jess is a fan of The Voice, America’s Got Talent, and Dancing with the Stars. With two boys and a lot of activities the DVR is our friend!
BUSINESS SPOTLIGHT: SERVPRO OF OSCEOLA COUNTY This month we spotlight our friends and supporters, SERVPRO of Osceola County.
Please describe SERVPRO, what do you do? SERVPRO of Osceola County specializes in the cleanup and restoration of residential and commercial property after a fire, smoke or water damage. SERVPRO of Osceola County can also mitigate mold and mildew from your home or business. SERVPRO of South Brevard is a 24/7 emergency water removal & flood clean up repair service company, our technicians are highly trained and experienced with every water damage situation from sewage damage clean up, mold removal, smoke damage repair, fire damage repair, and etc.
Can you describe the business “Culture” at SERVPRO?
SERVPRO of Osceola County is a family owned company with a culture of working diligently in the pursuit of the American Dream. With many years of operating SERVPRO franchises, our owners make sure SERVPRO of Osceola County is made up of people who care about the families in our community and try to make it better.
Can you tell us a little history on the business? Why did you choose to buy and locate in Osceola County?
saw a great opportunity to service the people of Osceola County. Kim and John understand the stress and worry that comes with a fire or water damage and the disruption it causes your life and home or business. Our goal is to help the Osceola Community minimize the interruption of fire, water, or mold damage to your life and quickly make it "Like it never even happened."
SERVPRO Corporate quickly became a key contributor in its community, and in 1991 the Nashville Business Journal named SERVPRO the Small Business of the Year. In the meantime, the company continued its impressive growth, selling the 1,000th Franchise in 2000.
Anything Else you would like me to mention or highlight?
Ted and Doris Isaacson launched SERVPRO in 1967 as a painting business in Sacramento, CA. However with a background in cleaning and restoration, Ted and Doris soon transformed the company into a franchisor of cleanup and restoration specialists.
Now more than 1,700 Franchises are operating nationwide, and SERVPRO continues to grow. With a proud history, a successful present and a bright future, SERVPRO will press on toward becoming the premier cleaning and restoration company in the world. John and Kim Robertson become the owners of SERVPRO of Osceola County in 2014. After operating two other SERVPRO franchises in Brevard County, Florida for seven years, they
Our Technicians: Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property. With a nationwide system of qualified franchises, no damage is too large or too small for SERVPRO of Osceola County. n
SERVPRO of Osceola County (407) 933-0707 1198 A Greenskeep Drive Kissimmee, FL 34741 www.ServproOsceolaCounty.com
January 2018 | Harmony Life Magazine 3
4 Harmony Life Magazine | January 2018
HARMONY COMMUNITY WEBSITE By Jeanine Corcoran
HAPPY NEW YEAR TO ALL OF OUR RESIDENTS. Today there are many ways to receive information about our community with Facebook being a main contributor, along with Harmony Life Magazine. But with the amount of congestion on Facebook, sometimes events get buried in the feed and not everyone is on Facebook. In the not so distant past, our information center sent out Harmony Event emails which I know I enjoyed receiving. With that thought in mind, The Corcoran Connection, along with Harmony Life Magazine, has created a community webpage called “MyHarmonyFL.com”.
The website builders, Park Bench, specialize in building community websites. All of Harmony’s social events, articles, school events, neighbor and business interviews will be posted on this website and once you sign-up, you will receive email notifications on the events that are taking place in Harmony. MyHarmonyFL.com will have many contributors. If anyone has any suggestions as to other information they think would be helpful, please let us know. 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
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Announcing the Corcoran Buyer Program. Available only through The Corcoran Connection. Contact us before visiting a builder for more information! 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! January 2018 | Harmony Life Magazine 5
Harmony Social Committee
UPCOMING EVENTS Social Committee Meeting January 8 - 6:30pm -7100 Indian Grass
COMMERCIAL & RESIDENTIAL LICENSED & INSURED
January
3 - Bite Nite @ Buck Lake Park - 5-8pm Sponsored by The Corcoran Connection Food trucks - picnic style (bring chairs and blankets)
10 - Soil Preparation for growing vegetables - Community School - 7pm The Florida extension services will give talks at the community school for all Harmony residents each month with a different theme.
13 - Community Health & Fitness Fair - Buck Lake Park 8am-11am Choose an activity (crossfit, yoga, run etc) to participate in
SPECIALIZING IN: Lawn Maintenance • Landscaping Irrigation & Tree Trimming
Then visit with vendors that want to help you on your health journey! 27 - Bubble Soccer & Laser Tag - Soccer fields @ Buck Lake 2-5pm Must waiver and bring Harmony ID
407-957-3489
corner of Butterfly Drive & Schoolhouse (near community school and dog park trail) @harmonysocial Harmony Community Activities
triplepalmlawn@aim.com
Contact Us Today:
Healthy Harmonians Walking group - meets Monday-Friday 9am
6 Harmony Life Magazine | January 2018
HOW DEVELOPMENT IN HARMONY WORKS By Steve Berube Chairman, Harmony Community Development District
A
s you might know, Harmony started with someone buying the land and opening the Development process; in our case, a Developer formed a governmental entity known as a Community Development District (CDD) which issued bonds to raise money thereby enabling the construction of many public facilities here such as the Swim Club, ponds, docks & boathouse, sidewalks, dog parks and any number of other facilities. For most of the early years, the CDD was controlled by appointees of the Developer who obviously dictated how all those dollars were spent. As time progressed, residents became a presence on the Board and finally assumed control, but, by then, the Bond money was gone and the Board then was charged only with repaying those bonds. Fast forward to now and while the CDD does indeed build some things such as the Lakeshore Park sidewalk as well as the walk path along Butterfly Drive, the CDD is now mainly a maintenance body despite the “Development” moniker. Those two requirements, debt repayment and maintenance of facilities, make up the two parts of your yearly CDD fees. Let’s look back to the early times: the Developer carved a piece of the 11,000 acres he originally purchased, calling those 998 acres Harmony Main and platted about 1300 lots for use as home sites. As time progressed, different entities have purchased the acreage; each has had different ideas of how to maximize their investment which has caused some of the changes in the “look and feel” that you might have noticed. Nonetheless, because the Developer invested his money here, AND ran the Development process through the County, the Developer has the rights to use (develop) his lands subject to the original plan(PUD/DRI as plans may be known) as well as the numerous changes to those that are routinely made. With rare exception, neither the CDD nor HROA has any input into how the Developer modifies open land to suit his needs, though in recent years, the Developers have brought their early concept plans to the CDD for discussion prior to their breaking ground. Part of this is courtesy but part is also because after a neighborhood is finished, the open/public areas are turned over to the CDD for perpetual maintenance; so, we like to request changes to minimize landscaping and other costs; we also frequently ask for more open area (parks) and playground equipment for the kids who will settle in there. To date, every Developer has accommodated our requests; it is important to note that Developers want Harmony to look nice and be successful. Fast forward to today: as you might have heard, the current Developer (Sunterra//Harmony FL Lands) recently came before us with a development plan for parcel BL1 which is the area that formerly housed the Community School and then the Enrichment Center. More specifically, it consists of about 5 acres along the north side Oak Glen Tr to the east of the Lakeshore Park//Buck Lake Entrance road and extending toward the retention pond just before The Estates entrance. Previous Developer Starwood had originally planned to cram 20 houses into this area; Sunterra knew this would never work and redesigned the plan to include 15 homes on a culde-sac street plan with 50 foot frontage lots allowing for premium homes here. In order to get those 50 foot lots, they needed some acreage and so asked for the CDD to swap about ¾ acre of land a bit further to the east for about 1.5 acres a bit further to the west. Additionally, because that western piece includes the path to Buck Lake and the parking area, Sunterra offered to move and rebuild the parking area and give us a perpetual lake
access agreement—which we don’t have now. They also agreed to handle permitting for and contribute $5,000 to repairs at the Boathouse at Buck Lake which has been tied up in permitting for about 2 years now. Additionally, Sunterra ceded to our request to cut the lot count to 13 and provide a heavy landscape buffer to the new neighborhood; this has since changed to 12 lots and a 55 foot lot frontage which will allow a 4000 ft/sq house to be built on these lots; in other words, premium (custom) homes on premium lots. After a general agreement by the CDD to this plan, some concerns have arisen from residents with the strongest request seeming to be that the CDD should BUY the land to prevent development. On the surface, this might seem like an admirable idea, but, one has to consider that the Developer currently pays over $50,000 annually in CDD fees on this land; multiplied by at least 15 years left on the bonds, and we’ve lost over $750,000 in fee income. Plus, since we have an obligation to pay off the debt, we will have to make up that $750,000 in lost CDD fee income. Add to that the $460,000 cost of buying the land, and the taxpayers will have spent $1.96 MILLION to acquire it. Then, there will be a demand to do SOMETHING with the land: a pool and/or a Community Center are two ideas which have surfaced. Either is likely to cost at least $500,000 so now we’re approaching $2.5 million. While there are some funds in reserve, there is nowhere near that much; plus, sound fiscal management says you don’t drain all your reserves on an optional purchase. So, to fund a purchase such as this, one must consider a special assessment, which in this case, would amount to $2,500 per lot ( $2,500,000 divided by about 1,000 lots equals $2,500 per lot.) My guess is that the overwhelming majority of owners would scream a resounding “NO!” to such an assessment. Well then, what should we do with this area? While many folks have many ideas, most are simply not feasible for any number of reasons. After careful consideration, my opinion remains that getting the richest concessions we can from Sunterra remains our best option. It is important to remember that as Sunterra owns the land, and it appears to be zoned properly for their plan, that it is Sunterra’s right to DEVELOP their land as they see fit. One must also consider that we have all bought into a development that is still being developed. And, before you bought your house, someone was living here looking at the undeveloped space where your house now sits—and perhaps complaining about the very thing some are concerned with now: development. Interestingly, we all hear about the lack of people here needed to support the community’s businesses, yet here come more houses but some are resistant to this new growth. Keep in mind that there are still over 200 lots that have yet to sprout homes: will we push back against all of them? As I state these opinions, I certainly don’t expect some to change their minds. Rather, I just hope to offer some reality to those who might not have a thorough understanding of the facts surrounding this seemingly simple, though complex issue. Thanks for taking the time to read—I’ll see you next month. n
January 2018 | Harmony Life Magazine 7
FROM THE MANAGER’S DESK To All Association Members: Friday, December 29, 2017 was my final day on-site as the manager of Harmony Residential Homeowners Association. I have transitioned to FirstService’s corporate office in Altamonte Springs. For anything you wish to mail to me, please use the following address: Harmony Residential Homeowners Association, Inc. C/O FirstService Residential 385 Douglas Ave., Suite 3350 Altamonte Springs, FL 32714 The 407-891-2601 number for the office has been disconnected. Please use our Customer Care number 1-866-378-1099. Many of your questions and concerns can be answered by our operators as they have access to your account information. My email address will remain the same: tim.quinlan@fsresidential.com. For architectural change requests, applications must be received in my office by close of business on the Tuesday prior to the Harmony Design Committee’s meeting. With occasional exceptions (December being one), the committee meets the 1st and 3rd Monday of each month. Homeowners wishing to submit architectural change applications to the Committee may still do so by email or mailing them to my office in Altamonte Springs. For consideration at the next scheduled Committee Meeting, I must have your application by close of business on the Tuesday prior to the next meeting. For painting applications, the committee requires paint chips of your selected colors. Scanned copies will not be accepted. If you use Sherwin Williams paint, we have a copy of their current paint chart of colors. If you are using paint from other manufacturers or are using a custom color, you will need to either attend the committee meeting with your chips or mail them to our office in Altamonte Springs for further mailing to the committee in advance of their meeting. A copy of the revised HDC application with the Association’s new mailing address is on the adjacent page. Many of you currently use the Association’s website but, if not, follow this link: http://fsrsouth.fsrconnect.com/HarmonyResidential On this site you can view Association documents, review your account information and download Harmony Design Committee applications. If you’ve never logged in, please contact me for a temporary password. The audit is complete for 2016 – 2017. Should you wish for a copy please email me and I will send you an electronic copy. Tim Quinlan Community Association Manager
8 Harmony Life Magazine | January 2018
HARMONY RESIDENTIAL OWNERS ASSOCIATION, INC HARMONY DESING COMMITTEE (HDC) APPLICATION
MAIL APPLICATION TO: 385 Douglas Avenue Ste. 3350, Altamonte Springs, Florida 32714 Name ______________________________________________________ Subdivision _________________________________ Lot #___________ Property Address ________________________________________________ Email __________________________________________ Mailing Address ________________________________________ City ________________________ State _______________ Zip ______________ Phone(s) Home ___________________________ Work _________________________ Cell _______________________ Fax ___________________ In accordance with the Declaration of Covenants, Conditions and Restrictions and the Association’s Rules and Regulations, installation must conform to this approval and the Association’s guidelines. I hereby request your consent to make the following changes, alterations, renovations and/or additions to my property.
( ) Fence
( ) Swimming Pool
( ) Lawn Ornament
( ) Patio
( ) Screen Enclosure
( ) Exterior Color
( ) Landscaping
( ) Lawn Replacement
( ) Other ___________________________________
Description ______________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________
I HEREBY UNDERSTAND AND AGREE TO THE FOLLOWING CONDITIONS: 1) 2) 3) 4) 5) 6) 7) 8) 9)
No work will begin until written approval is received from the Association. I have 6 months from the approval date to complete the work. If not, then I must reapply for the approval. Attach a copy of the property survey that shows the locations of the proposed change, alteration, renovation or addition. Attach a drawing of the color sample, if applicable. Paint color swatches must be attached to the HDC Application with photos of homes on BOTH sides of the subject home. All work will be done expeditiously once commenced and will be done in a professional manner by a licensed contractor or myself. All work will be performed timely and in a manner that will minimize interference and inconvenience to other residents. I assume all liability and will be responsible for all damages to other lots and/or common areas, which may result from performance of this work. I will be responsible for the conduct of all persons, agents, contractors, subcontractors and employees who are connected with this work. I am responsible for complying with all applicable federal, state and local laws, codes, regulations and requirements relating to this work. I will obtain any necessary governmental permits and approval for the work. Upon receipt, FirstService Residential, Inc. will be forwarding the ARC Application to the Association. A decision by the Association may take up to 30 days. I will be notified in writing when the application is either approved or denied.
ALL HOMEOWNERS ARE RESPONSIBLE FOR FOLLOWING THE RULES AND GUIDELINES OF THEIR ASSOCIATION WHEN MAKING ANY EXTERIOR MODIFICATIONS. Signature of Owner(s): ________________________________________________ Date: ________________________________ DO NOT WRITE BELOW THIS LINE This Application is hereby:
( ) Approved
( ) Approved With Conditions
( ) Disapproved
Date ________________________________________ Signature _______________________________________ Comments: __________________________________________________________________________________________________ ____________________________________________________________________________________________________________ Date Application Was Received: _____________________________ January 2018 | 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? 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. As we enter 2018, some of you may be aware that there have been lots of changes to Harmony in the last few months, as well as over the last three or so years, especially in terms of attention to some of these original design values. That attention has now almost entirely shifted from the developer to the residents, and now it is up to us keep them alive and thriving. Knowing the developer would not be here forever, we are now actively planning for the future of how
10 Harmony Life Magazine | January 2018
these design values play out in Harmony over the longer term. There are lots of ways to do that, whether by participating in or volunteering to help with Nature and Animal Committee events such as Conservation Café, or helping out with trail maintenance activities or water quality monitoring. At home, other ways to uphold these values include planting native Florida landscaping and using low toxicity herbicides and pesticides (and avoiding invasive plants), keeping your lighting Dark Sky compliant, letting wild animals stay wild by not feeding or interfering with them, and showing good dog walking or dog park etiquette. These are just a few ways you can do your part to help create a stronger, healthier, happier, and greener community. While a number of Harmony residents have lived here for over a decade, most residents are
newer to town, and may not be familiar with all of the values and guidelines as well as our amenities and opportunities. Please reach out to me (Kerul@me.com) for copies of the Harmony Information and Reference Guide that offers a lot of information on a single sheet of paper — for yourself or for a neighbor. What are your ideas about how to keep these environmental activities and green values more visible and active here? I’d appreciate hearing your ideas. This monthly column has offered information on all of the topics above, and more beyond, but I’d also like to learn about what you might be interested in learning about Harmony’s green values, spaces, places, and ways in this column in the coming year. n
TAX LAW UPDATE By Jason Flowers CPA, CFA, CFP, EA, CTFA
T
he Tax Cuts and Jobs Act was approved by the House and 6HQDWH RQ DQG VLJQHG LQWR ODZ E\ 3UHVLGHQW 7UXPS RQ 'HFHPEHU QG $ VXPPDU\ RI NH\ FKDQJHV UHODWLYH WR individual income tax returns is detailed below. Many of these changes will affect your 2018 tax returns going forward. Standard Deduction: In 2018, the standard deduction increased IURP WR IRU VLQJOH WD[SD\HUV IURP WR IRU PDUULHG ¿OLQJ MRLQWO\ DQG IURP WR IRU KHDG RI household. These increases in the standard deduction are expected to continue until 2025. Personal Exemption: The personal exemptions will disappear in 2018 and remain unavailable until 2025. Child Tax Credit: Previously taxpayers could claim a child tax credit RI XS WR SHU FKLOG XQGHU WKH DJH RI ,Q DGGLWLRQ WR WKH &KLOG 7D[ Credit, taxpayers were also afforded what was known as the Additional Child Tax Credit. The Additional Child Tax Credit allowed a taxpayer who was unable to utilize 100% of the Child Tax Credit to obtain a refund equal to the lesser of the unused portion of the Child Tax Credit or 15% of earned income above $3,000 up to the extent of receiving the entire Child Tax Credit of $1,000 per child. The new child tax credit for 2018, combines both the Child Tax Credit and Additional Child Tax Credit into one Child Tax credit equal to $2,000 per child with up to $1,400 being refundable assuming the taxpayer was unable to utilize the credit to offset taxes. Mortgage Deductions: Deductible interest expense paid on secured debt used to buy, build or improve your main home or second home will EH OLPLWHG RQ ORDQ DPRXQWV RI IRU GHEW LQFXUUHG RQ RU DIWHU ,I \RX SXUFKDVHG SULRU WR WKLV GDWH WKH SUHYLRXV OLPLWV ZLOO be in place relative to deductible mortgage interest.
Medical Expense Deduction: Taxpayers may deduct medical H[SHQVHV WKDW H[FHHG RI $*, LQ DQG DV DQ LWHPL]HG GHGXFWLRQ RQ 6FKHGXOH $ 7KLV QHZ GHGXFWLRQ OHYHO HQGV Limits on Itemized Deductions: Previously, itemized deductions were reduced for all taxpayers who had AGI above certain thresholds based RQ WKHLU ¿OLQJ VWDWXV )URP WKHVH RYHUDOO OLPLWV RQ LWHPL]HG deductions would be eliminated. Miscellaneous Deductions Subject to a 2% AGI Floor: These itemized deductions are eliminated from 2018-2025. Itemized deductions in this category include unreimbursed employee expenses, investment expenses, tax preparation fees and fees to maintain a safe deposit box. Taxpayers with assets managed by an investment advisor will no longer be able to deduct their investment management fees. Additionally, taxpayers who drive for their employer may no longer take a deduction for unreimbursed employee expenses such as mileage on the Schedule A. If you are self-employed, you are still allowed to deduct mileage on your Schedule C. Capital Gains Tax Rates: No changes made. SALT: 6WDWH DQG /RFDO WD[HV ZLOO EH FDSSHG DW IRU PDUULHG ¿OLQJ MRLQWO\ DQG IRU PDUULHG ¿OLQJ VHSDUDWHO\ IRU ,QFOXGHG LQ this category are the following: state and local taxes, real estate property taxes and personal property taxes. Any attempt to pre-pay 2018 state and ORFDO WD[HV LQ ZLOO EH FRQVLGHUHG WR KDYH EHHQ SDLG LQ Casualty and Theft Losses: Repealed for 2018-2025 unless in a federally declared disaster area.. Q If you need assistance with how the upcoming changes will affect your taxes Larry Herring CPAs and Consultants are here to help. Please call or e-mail today at 407-647-7777 or info@herringcpa.com for a free consultation.
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12 Harmony Life Magazine | January 2018
January 2018 | Harmony Life Magazine 13
HARMONY INCIDENT REPORT — December 2017 DATE
INCIDENT
NATURE
LOCATION
CODE
12/02/2017....................17I121701.................................SUSP VEH 13V................................................... FORTY BANKS RD............................................................................................................................X 12/03/2017....................17I122026.................................RECKLESS OP 29I.............................................. FIVE OAKS DR & E IRLO BRONSON MEM HWY................................................................................V 12/03/2017....................17I122157.................................ABANDON VEH 11.............................................. HARMONY SQUARE DR & E IRLO BRONSON MEM HWY................................................................. B 12/04/2017....................17I122401.................................ABANDON VEH 11.............................................. FIVE OAKS DR & E IRLO BRONSON MEM HWY; W/O FIVE OAKS......................................................X 12/05/2017....................17I122810.................................BATTERY 45R.................................................... HARMONY SQUARE DR SOUTH; DORO PIZZA................................................................................. R 12/05/2017....................17I122885.................................DIST 22I............................................................. FORTY BANKS RD............................................................................................................................F 12/06/2017....................17I123072.................................INVESTIGATE 17................................................ HARMONY SQUARE DR SOUTH; DORO PIZZA..................................................................................X 12/07/2017....................17I123329.................................MISC SERVICE 18.............................................. E IRLO BRONSON MEM HWY & HARMONY SQUARE DR..................................................................E 12/07/2017....................17I123366.................................UNKN PROBLEM................................................ E IRLO BRONSON MEM HWY; SUNOCO.......................................................................................... U 12/07/2017....................17I123373.................................SEIZED TAG........................................................ E IRLO BRONSON MEM HWY & HARMONY SQUARE DR.................................................................SL 12/07/2017....................17I123509.................................BATTERY 45R.................................................... FORTY BANKS RD........................................................................................................................... R 12/08/2017....................17I123708.................................DRUNK DRIVER 1............................................... HARMONY SQUARE DR & E IRLO BRONSON MEM HWY................................................................ AR 12/08/2017....................17I123878.................................SICK PERSON.................................................... HARMONY SQUARE DR SOUTH; HARMONY TOWN SW MARKET.................................................... U 12/09/2017....................17I124393.................................FIRE RESIDENCE................................................ BRACKEN FERN DR......................................................................................................................... U 12/10/2017....................17I124403.................................NOISE COMPL 74I.............................................. SCHOOLHOUSE RD & CAT BRIER TRL.............................................................................................. I 12/10/2017....................17I124523.................................RECKLESS OP 29I.............................................. HARMONY SQUARE DR & E IRLO BRONSON MEM HWY..................................................................X 12/11/2017....................17I124871.................................TRAFFIC STOP................................................... FIVE OAKS DR & E IRLO BRONSON MEM HWY............................................................................... A 12/11/2017....................17I125010.................................BAKER ACT........................................................ CAT BRIER TRL................................................................................................................................ R 12/11/2017....................17I125065.................................DISABLED VEH 12.............................................. E IRLO BRONSON MEM HWY & HARMONY SQUARE DR..................................................................P 12/12/2017....................17I125123.................................DISABLED VEH 12.............................................. E IRLO BRONSON MEM HWY & HARMONY SQUARE DR; 1/4 MILE PAST HA...................................P 12/13/2017....................17I125480.................................SUSP VEH 13V................................................... CAT BRIER TRL; COMMUNITY PARK.................................................................................................E 12/13/2017....................17I125512.................................SUSP VEH 13V................................................... FIVE OAKS DR.................................................................................................................................. I 12/16/2017....................17I126728.................................CIVIL MATTE 66R............................................... DARK SKY DR.................................................................................................................................. Q 12/18/2017....................17I127474.................................PROPERTY DAMAGE.......................................... E IRLO BRONSON MEM HWY; SUNOCO...........................................................................................F 12/19/2017....................17I127828.................................ATT TO CONTACT............................................... RED LANTERN DR............................................................................................................................F 12/19/2017....................17I127865.................................ACCIDENT NO INJ.............................................. FIVE OAKS DR & E IRLO BRONSON MEM HWY............................................................................. TOT 12/20/2017....................17I128040.................................DIST 22I............................................................. CLAY BRICK RD................................................................................................................................F 12/20/2017....................17I128070.................................ACCIDENT INJ 4................................................. HARMONY SQUARE DR....................................................................................................................X 12/21/2017....................17I128473.................................ATT TO CONTACT............................................... RED LANTERN DR............................................................................................................................X 12/22/2017....................17I128920.................................MISSING JUV REC.............................................. POND PINE RD................................................................................................................................ R 12/23/2017....................17I129238.................................CRIM MISCH 40R............................................... DARK SKY DR.................................................................................................................................. R 12/23/2017....................17I129453.................................INVESTIGATE 17................................................ E IRLO BRONSON MEM HWY; SUNOCO IN HARMONY.....................................................................F 12/24/2017....................17I129566.................................SUSP VEH 13V................................................... HARMONY SQUARE DR WEST..........................................................................................................X 12/24/2017....................17I129738.................................MISC SERVICE 18.............................................. DARK SKY DR...................................................................................................................................F 12/25/2017....................17I130010.................................DISABLED VEH 12.............................................. HARMONY SQUARE DR & E IRLO BRONSON MEM HWY..................................................................P 12/25/2017....................17I130052.................................FRAUD 39R........................................................ BUTTONBUSH LOOP....................................................................................................................... R 12/27/2017....................17I130702.................................SUICIDE THR 34I................................................ LITTLE BLUE LN.............................................................................................................................. R 12/27/2017....................17I130904.................................THROWING MISSIL............................................ GRANDE HERON DR.........................................................................................................................V 12/28/2017....................17I130938.................................DISABLED VEH 12.............................................. HARMONY SQUARE DR & E IRLO BRONSON MEM HWY.................................................................. I 12/28/2017....................17I130955.................................SUSP VEH 13V................................................... FIVE OAKS DR; DEAD END.............................................................................................................. H 12/28/2017....................17I131006.................................MISC SERVICE 18.............................................. LITTLE BLUE LN...............................................................................................................................F 12/28/2017....................17I131023.................................HWY OBSTRUC 28R.......................................... E IRLO BRONSON MEM HWY & WILD TURKEY LN............................................................................X 12/31/2017....................17I132148.................................TRAFFIC COM 17I.............................................. GRANDE HERON DR & HAYCUTTER DR............................................................................................ I 12/31/2017....................17I132182.................................FIREWORKS....................................................... RED LANTERN DR............................................................................................................................X
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 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
QUICK REFERENCE DIRECTORY ACCOUNTANTS 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 ACUPUNCTURE Catherine Coudray 1716 East Irlo Bronson Hwy. CoudrayAcupuncture.com 321-303-5240 ADVERTISING & MAGAZINES Harmony Life, Nona Woman and Twin Lakes Magazines Bill Bokunic 321-331-6398 Bill@QMCWorld.com QMCWorld.com 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 CHIROPRACTOR Living Well Chiropractic 4041 13th St. St. Cloud 34768 407-957-1337 LivingWellCFL.com COMPUTER REPAIR I Repair PCS Efrain Rodriguez 773-865-2697 IRepairPCS.net efraincfd@gmail.com GARAGE DOORS & OPENERS D.S.I. Sales / Service / Repairs 407-970-5847 dsigaragedoor@yahoo.com dsigaragedoorandopener.com
16 Harmony Life Magazine | January 2018
HANDYMAN The Good News Handyman Rick Wade 407-468-1352 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 EMERGENCY SERVICES ServPro of Osceola County 407-933-0707 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 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 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
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 PRINTERS Creative Printing Services 1115 Pennsylvania Ave. Saint Cloud, FL 34769 407-891-9797 Lucky Dog Printing *Harmony Resident* 1014 New York Ave. St. Cloud, FL 34769 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 Koffee Kup 1407 13th Street St. Cloud, FL 34769 Under the Water Tower 407-891-81488 TheKoffeeKup.com TENNIS MECHANIC Jessica Pociask 954-816-9501 Jess.Pociask@ thetennismechanic.com TRAVEL Meisner Cruise and Travel *Harmony Resident* 407-738-7088 tvlwithlinda@gmail.com Facebook: Harmony Get Aways With Meissner Travel
East of 95 on 192 next to Sam’s Club WATER SYSTEMS
Melbourne, FL CWTheaters.com
Dependable Water Treatment 407-242-7150
Looking for a new doctor who can see you quickly? We can help! At St. Cloud Medical Group, we will see you quickly – often the same day you call us. We treat adults, providing preventive care, treating routine illnesses and helping patients manage serious chronic conditions such as diabetes, heart disease and COPD. Visit StCloudPhysicians.com or call 407-892-3387 to schedule your appointment today.
OUR PRACTICE MAKES
Primary Care
1600 Budinger Ave., Suite D St. Cloud StCloudPhysicians.com
APPOINTMENTS AVAILABLE FAST AND ONLINE.
ONLINE SCHEDULING IS NOW AVAILABLE.
No need to wait! Online scheduling is now available with select providers at StCloudPhysicians.com.