Eagle Creek Life July 2015

JULY 2015

Eagle Creek Life Meet Your Neighbors, The Pritzl Family!

Photo by Amanda Yachmetz Photography

A publication of Quantum Marketing Communications, LLC

IN THIS ISSUE Meet Your Neighbors Quick Reference Directory Business Use of Home Deduction

Make Your Move, With a Plan Are These Expenses Ruining Your Budget?

6th Annual Baby Squirrel Shower

July 2015

from the

EDITOR Happy July!

Join the Eagle Creek Life Facebook page.

It’s no small or inexpensive task putting the publication together for the community. I am working hard to get content that is meaningful, useful and unique, but that task has been challenging.

I am looking for people who would like to contribute to the publication and, also, community liaison people to help keep me informed with events and happenings. Please email me at: bill@ QMCWorld.com I would like to take this opportunity to ask you to support our advertisers.

Victor Russell Salon is in east Saint Cloud, very close to 192 and Narcoossee. World-class stylists and professionals from New York and beyond, all right here locally. These are friends that believed in this publication and love our area.

Larry Herring CPA has been my CPA for years. He is in Winter Park, but after the initial meeting everything is just a call or email away. I can tell you that not all CPA’s or accountants are the same. A real-world story shortened for time. Larry set up my corporation, and I was discussing it with a friend who uses a different CPA. When we compared corporate structures, it seemed his CPA didn’t advise correctly on something and cost him an additional $9000 last year. Do yourself a favor and engage Larry; regardless of how complex your taxes are, he is worth it!

Kisselback Ford is a short drive and worth every mile. Bobby Kisselback has really stepped up to help me bring this publication to Eagle Creek, and I hope you consider them when considering a vehicle purchase.

Please mention our publication when visiting any of our advertisers.

Until August, stay cool!

Bill Bokunic Publisher and CEO, Quantum Marketing Communications 321-331-6398 bill@QMCWorld.com

Bill Bokunic Publisher & CEO Quantum Marketing Communications 321.331.6398 Bill@QMCWorld.com

Eagle Creek Life

3

ON THE COVER

Meet Your Neighbors

Here are a few questions answered from the Pritzls:

other neighbors? Nona Blue has become our favorite restaurant, and we have What is your background? I was born not been disappointed with anything on in Wisconsin, joined the Army and traveled the menu. Try the carrot cake. the world, met my wife in Savannah, Georgia, We traveled the world some more, liv- What do you do for fun? Golf ing in Germany and Korea, and we finally settled in Tampa. I now work for L-3 Com- What is the last magazine that you have munications and Laurie works for Career read? Golf Digest Education Corporation.

The Pritzl Family What is the last movie that you have What is unusual or unique about EC, seen in the theatre? I cannot recall the Greg and Laurie Pritzl in comparison to your previous home? last time I was in a theater.

It is a gated community and it has a golf course which is something that we did not Who is your role model and why? My fahave in our last community. ther. Growing up on a farm, he taught me When did you move to EC? the value of hard work and this has served May 20, 2015 What is your favorite weekend activity? me well so far in my life.

My favorite activity is swimming with the What is your favorite TV Show? Big Bang What street do you live on? grandchildren and golf, although I have Theory Woodford Street not done much of the second lately.

What makes you laugh? Real life situations gone wrong.

Where did you move from?

Is there a neighbor experience you are What else should we know about you or Tampa, Florida most proud of? None yet, but I am sure your family? We are glad to be part of the Eagle Creek Community, and we look forWhat do you miss most? We are not there will be plenty. ward to meeting our current and future missing much at this time, because we have a nice view of the golf course and we Are there any recommendations for neighbors. are closer to our kids and grandchildren.

Eagle Creek Life

4

Make Your move, With a Plan

by Jeanine Corcoran

Y

ou’ve waited a long time for your dream home and now your contract has been accepted and your closing date is set, now what? It’s time to make your move, with a plan.

First things first. Will you hire a company to pack up all your belongings or do you have time to pack yourself? If you choose to hire a company to do it, be sure to be there to supervise on the packing day.

You should arrange to be off of work and not just you, everyone living in your household needs to be involved. Take pictures of larger items and read the inventory sheet before signing it. Packing can be stressful whether you are packing or whether you are supervising.

Your dream home, if it is not a new home, will need to be cleaned prior to move in day. The previous owner only has to leave the home broom swept. If time allows, have your home professionally cleaned including the windows. You don’t want to be placing your furniture and boxes onto dirty floors. You’ll be thankful you did that on the moving day!

When the movers arrive to your dream home, have a plan. That’s right, draw an actual plan of where you’d like the furniture and boxes placed in each room. Also, plan to be the supervisor as the furniture arrives.

Don’t make the mistake of being part of the crew that helps move the

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Moving can be exciting and stressful at the same time but having a plan can help the process go more smoothly. Whether you hire a company to pack for you or do it yourself, it’s important that you are there on packing day. Also, be sure to have your dream home professionally cleaned prior to moving in, have a plan drawn ahead of time for furniture and box placement, and plan to be the supervisor on moving day. Planning will help you settle in more quickly and what better way to help you enjoy your new home than to have a plan!

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 can be reached at 407.922.3308, email her at JeanineCorcoran@gmail.com, or visit TheCorcoranConnection.com or HarmonyResales.com

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Eagle Creek Life

8

BUSINESS USE OF HOME DEDUCTION

One frequently overlooked deduction is the Business Use of Direct home expenses are those incurred only for the business Home Deduction claimed on Form 8829. Self-employed individ- portion of your home and are typically fully deductible. Direct uals filing a Schedule C can find the deduction particularly useful expenses can include painting and repairs only in the area used in reducing both their individual income tax and self-employment for business. tax. The deduction is made up of direct expenses and a busi- On Form 8829 you can also claim depreciation because IRS alness use percentage of the indirect expenses. lows for the depreciation of the business portion of your home.

The business use percentage is based on the porBefore electing to take this deduction, I strongly sugtion of your home or apartment used “regularly and gest taxpayers seek the advice of their tax professionExpenses for Business Your H exclusively” as your “principal place of business or al. Depreciating the business portion ofUse yourof home Form a File only with Schedule C (Form 1040). Use a separate Form 8 as a place to meet with clients.” For example, 400 could lead to future tax consequences including a home you used for business during the year.

Department of the Treasury SF out of 1,600 SF = 25% business use. The IRS capital gain when you home. a Information about Form sell 8829your and its separate instructions is at ww Internal Revenue Service (99) Name(s) of proprietor(s) also allows this deduction for the use of a separate If keeping track of the various expenses is not easy, structure not attached to your residence, such as a IRS has a Simplified Method for calculating the BusiPart I Part of Your Used for Business garage, as long as the space meets the same renessHome Use of Home Deduction. Under the Simplified 1 Area used regularly exclusively for business, for daycare, or for quirements.

Method, you and multiply the square footage regularly of the business portion inventory or product samples (see instructions) . . . . . . . . . . . . .

Indirect home office expenses subject to the business use per- of your home (up to 300 square feet) by the standard deduction 2 Total area of home . . . . . . . . . . . . . . . . . . . . . . centage include real estate taxes, home mortgage interest, in- of $5 per SF provided by the IRS. 3 Divide line 1 by line 2. Enter the result as a percentage . . . . . . . . . . surance, utilities, telephone, internet, rent, and general repairs.

Whichever method you choose the current year deduction is limFor daycare facilities not used exclusively for business, go to line 4. All others, go Since some of these expenses such as real estate taxes and your business income 4 Multiplyited daysbased used foron daycare during yearnet by hours usedbefore per daythe Business 4 home mortgage interest are also considered itemized deducUse of Home Deduction.

Other apply so 5if you 5 Total hours available for use during the year (365 days limitations x 24 hours) (seealso instructions) tions, the unused portion of these types of expenses can be line need this as or aother aspects 6 Divide 4 byassistance line 5. Enterwith the result decimal amountof. your . . income 6 tax .

7 Business percentage.

For daycare facilities not to used exclusively claimed on your Schedule A as itemized deductions. return preparation, please feel free contact us. for business, multip

8829

line 3 (enter the result as a percentage). All others, enter the amount from line 3

Part II

.

.

Figure Your Allowable Deduction

8 Enter the amount from Schedule C, line 29, plus any gain derived from the business use of minus any loss from the trade or business not derived from the business use of your home (see 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

See instructions for columns (a) and (b) before completing lines 9–21.

(a) Direct expenses

(b) Indir

Casualty losses (see instructions). . . . .

9 Deductible mortgage interest (see instructions) 10 Real estate taxes (see instructions) . . . .

11 Add lines 9, 10, and 11 . . . . . . . .

12 Multiply line 12, column (b) by line 7 . . . .

13 Add line 12, column (a) and line 13 . . . .

Subtract line 14 from line 8. If zero or less, enter -0Excess mortgage interest (see instructions) .

16 Insurance . . . . . . . . . . . .

17 Rent . . . . . . . . . . . . . .

18 Repairs and maintenance . . . . . . .

19 Utilities . . . . . . . . . . . . .

20 Other expenses (see instructions). . . . .

21 Add lines 16 through 21 . . . . . . . .

22 23 Multiply line 22, column (b) by line 7 . . . . . . . . . . .

Carryover of prior year operating expenses (see instructions) . .

24 Add line 22, column (a), line 23, and line 24 . . . . . . . . . . . . . .

Allowable operating expenses. Enter the smaller of line 15 or line 25 . . . . . .

Limit on excess casualty losses and depreciation. Subtract line 26 from line 15 . .

Excess casualty losses (see instructions) . . . . . . . . .

28 Depreciation of your home from line 41 below . . . . . . .

29 Carryover of prior year excess casualty losses and depreciation (see instructions) . . . . . . . . . . . . . . . . . . .

30 Add lines 28 through 30 . . . . . . . . . . . . . . . . . . . . .

Allowable excess casualty losses and depreciation. Enter the smaller of line 27 or line Add lines 14, 26, and 32. . . . . . . . . . . . . . . . . . . . .

Casualty loss portion, if any, from lines 14 and 32. Carry amount to Form 4684 (see in Allowable expenses for business use of your home. Subtract line 34 from line 33. and on Schedule C, line 30. If your home was used for more than one business, see instr

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Back to Nature Wildlife Refuge

6th Annual Baby Squirrel Shower Have you seen any squirrels since you moved here?

Chances are, construction and lack of trees may have made these little animals elusive. Come thrill your children with a close-up look at squirrels during the Baby Squirrel Shower on Saturday, July 18th from 10am to 1pm. They’ll have activities, food, prizes, wild encounters, games, and education stations. Kids under 5 are free but they ask for a $5 donation per adult to help with ongoing care of the animals.

hole, and then covering it up. They also stash food everywhere for an impromptu meal. If I replace “food” with “toys”, they sound like my preschooler!

Check out the activity page at btnwildlife.org to learn about the 24 resident animals you may encounter at the refuge. They are looking forward to meeting their new neighbors!

If you are interested in volunteering, information can be found on the BTN website. The refuge is located at 10525 Clapp Simms Duda Road, 5 minutes away from Eagle Creek and right off of Narcoossee Road.

Fun facts about squirrels to share with your children are their knack at pretending to hide food by digging a hole, placing an invisible object in the

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Eagle Creek Life

15

Are These expeNses Ruining Your Budget?

You’ve created a picture-perfect budget

and dutifully adhered to it. Then out of the blue comes an unexpected expense. Check out a few areas you may be able to “head off” by budgeting ahead of time.

Car maintenance. Avoiding regular maintenance for the sake of your budget? Car neglect could cost you more in the long run than routine checkups. Revisit your auto records to see what a year’s worth of expenses look like. Then check with your mechanic to see if you have any milestones coming up that you need to budget for.

Food. You don’t have time to cook dinner so you hit the drivethrough on your way home from work. If this happens more often than you (or your budget) care to admit, consider adding a separate category in your budget for unexpected food expenses or dining out.

What’s your worst money habit?

Using credit cards 61% Eating out/takeout 59% Bad budgeting 49% Shopping 41% Overspending on food 32%

Children’s extracurriculars. Have you been blindsided by your daughter’s dance recital fees or your son’s piano lessons?

You’re not alone. Get a calendar out and plan for the extra funds your children need. You may even nab an early registration discount for planning ahead. Pet care. Our furry friends have needs, too. And failure to plan for them can derail even the most thoughtfully laid out budget. When budgeting, don’t forget to include a “bucket” for Fido’s routine care, prescriptions and unexpected doctor visits.

Special events.

Your best friend is getting married! It’s great news for her – potentially not great for your budget. Can you afford the bridesmaid dress, travel costs and wedding gift?

Or will you have to borrow from another category of your spending plan to make it happen?

“Your Worst Money Habit May Not Be That Bad,” Finance.yahoo.com, February 11, 2015

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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.

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.

Eagle Creek Life

17

Quick Reference Directory ACCOUNTANTS

Larry Herring CPA, PA 611 N. Wymore Rd Winter Park, Florida 32789 407-647-7777 www.herringcpa.com

AIR-CONDITION SERVICES Eric Farnsworth 407-921-0760 ELFarnsworth@live.com

AUTO & TRUCK DEALERS

HAIR

Victor Russell Salon 105 East 13th Street Saint Cloud, Florida 407-892-1005 www.victorrussell.com

HANDYMAN

The Good News Handyman Rick Wade 407-468-1352

HOSPITAL

Kisselback Ford 407-892-2141 1118 13th Street Saint Cloud, Florida KISSELBACKFORD.COM

Health First-Holmes Regional Health Care 1350 South Hickory Street Melbourne, Florida 32901 321-434-7000

BANK

INSURANCE

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

CHURCH’S

Harmony Community Church 10am Sundays at Harmony High School (844) 444-FBCH www.harmonycommunity.church Life Church Meeting at Narcoossee Middle School 10:10am Sundays 217-827-7986 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 Steve A Mullins Primerica 1301 Bedford Dr., Ste 102 Melbourne, Florida 407-738-7479 stevamullins@primerica.com

GYM

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

PARTY

Farm Bureau Michael Long 407-847-5189 www.floridafarmbureau.com Kocher Insurance LLC 1312 Illinois Ave, Suite H Saint Cloud, Florida 34769 Phone:(407) 957-1918

LAWN CARE

Triple Palm Lawns 407-957-3489 Triplepalmlawn@aim.com Weed Man 4417 13th St. Suite 182 - St. Cloud, FL 34769 (407) 979-4623

MORTGAGE

Butler Mortgage Charlene Sims 407-931-3800 X109 csims@butlermortgage.com

MOVIE THEATERS

Cinema World East of 95 on 192 next to Sam’s Club Melbourne, FL CWTheaterts.com

MUSIC LESSONS

Vocal and piano lessons Dawn Korzen text/call: (407) 301-4561 | musicinharmony2013@gmail.com

PAINTING

William “Joe” Murray 407-766-5051

PEST CONTROL

Luv A Lawn & Pest Control 407- 908-9139

PET GROOMING Beatui-fur Catrina Fornes 407-498-0652

PHOTOGRAPHER

Kristin Madden 407-744-8387 Facebook.com/KristinMaddenPhoto

PLUMBING SERVICES

Linscott Plumbing Services Wayne E. Linscott Sr 407-891-1700

POOL TABLES

Florida Game Rooms 9350 S. Orange Blossom Trail tr #12 407-859-4400 www.myfloridagamerooms.com

REAL ESTATE

The Corcoran Connection, LLC Jeanine Corcoran Owner/Broker Selling/Buying/Renting/Property Management 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 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 Linda@meissnertravel.com

WATER SYSTEMS

Matthew Benetti Aguamaman Water Co. www.Orlando.haguewater.com 321-250-4999

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