Harmony(04 17)

FLORIDA’S PREMIER COMMUNITY April 2017

MEET YOUR NEIGHBORS, THE ACOSTA FAMILY Photo by Christina Beasley Dalton

A publication of Quantum Marketing Communications, LLC

TRUSTCO Trustco Bank Mortgages BANK Making Home Ownership a Reality Your Home Town Bank R

Low Closing Costs No Borrower Paid PMI* No Points, No Broker Fees Friendly, Local Service

*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. NMLS #474376

EQUAL HOUSING

LENDER

for

FROM THE PUBLISHER, FROM THE PUBLISHER, BILL BOKUNIC BILL BOKUNIC elcome to the April 2017 edition

W H

of

Harmony Life Magazine! i everyone and welcome to the September 2016 edition of Harmony Life Magazine!

Harmony is a very safe place to live. As a matter of fact, our newly-elected Osceola County Sheriff Russ Gibson is a resident. We also have numerous law enforcement officials who reside here-from Secret Service to FBI, many of our country’s finest live right here in beautiful Harmony!

Recently one of our local senior citizens, who suffers from dementia, wandered off and a call went out to help him via Facebook and other means. As we searched the golf course in our golf cart, it was truly amazing to see the number of people who dropped everything and came out to search. I didn’t count, but there had to have been at least 50 or more on bikes, golf carts, cars, walking and even skateboards! The gentleman was found on one of the trails and the ordeal had a happy ending, but this really shows that we live in an amazing place and in amazing times! I am truly proud to be a part of this wonderful community and I hope you feel the same way too!

PUBLISHER & CEO Bill Bokunic Quantum Marketing Communications, LLC 321.331.6398 Bill@QMCWorld.com www.QMCWorld.com Harmony Life Magazine

We welcome Brightway Insurance (The Sterner agency) this month in Harmony Life Magazine. They have a dedicated rep just for Harmony, so look for their ad and more information to come in the upcoming months.

There has been a trend over the past couple of months of someone going through the mail, stealing credit cards and other I want to give a huge shout out to Harmony Resident Derly Ames.

Extreme Auto Spa detailing valuable info/items.

If your credit cardDeryl hasowns been compromised and window tinting next to Tuffy’s on 192. His crew tinted my car windows in less than an hour and did or youjob. areI encourage suspicious fraudulent activity, please contact a wonderful all of usof to patronize our resident businesses, especially good onesthe like Extreme Auto Spa. Call Deryl at (407) 301-5456 or (321) 805-4771.

Osceola County Sheriff’s office non-emergency number: 407348-2222.

Lastly, Charlie Draper of the Draper Law Firm helped me with a personal legal issue. He is fantastic and his advice helped me choose a wise path. This is not a paid advertisement, nor does he know I am writing this. If you have a legal need, I highly suggest you give him a call. Charlie does so much for the community at large and specifically, for the Saint Cloud Chamber, without looking for accolades! It’s nice to be in my position and publicly acknowledge him: www.draperlawoffice.com.

A person of interest has been caught on camera and by one eye witness: it’s a middle aged white male driving a dark SUV; he strikes overnight.

That’s all for now.

See you in October!

Bill Bokunic

If you see anything suspicious, such as an individual going through mail or checking parked car doors, dial 911 immediately.

Let’s work together to help keep Harmony’s reputation and one of the safest communities in Central Florida.

Contact Info for Residents CDD SHERIFF, NON-EMERGENCY

HarmonyCDD.org, 407-566-1935 Steve, Ray, Mark, Kerul or David@HarmonyCDD.org 407-348-2222

BRIGHTHOUSE CABLE / INTERNET

877-892-3279

CENTURY LINK CABLE / INTERNET

866-314-4148

OUC ELECTRIC

407-957-7373

HROA

First Services Residential 866-378-1099 or FSResidential.com

WASTE MANAGEMENT TRASH PICKUP

407-843-7370

CONDOS HOA

Sentry Management, 407-846-6323

OSCEOLA COUNTY

TOWNHOMES HOA HARMONY DEVELOPER OFFICE

TITAN Management, 407-705-2190

Osceola.org “Citizen Action Center”

COUNTY COMMISSIONER FRED HAWKINS

fhaw@osceola.org

407-891-8358, HarmondyFL.com

April 2017 | Harmony Life Magazine 1

MEET YOUR NEIGHBORS, THE ACOSTA FAMILY Poconos Pennsylvania (while our home here in Harmony was being built), but originally from New York.

What do you miss most? Our family back home, but that seems to be changing because they all want to move down to Florida now lol.

What are your names? Michael, Liza, Michael, Arianna, and Kayla Acosta.

What is your background? I am Puerto Rican and West Indian, and my wife is Puerto Rican and Trinidadian.

What is a good story about Harmony? My wife ended up in the hospital only a few months after being here. A the few friends we just recently made step up in such a way When did you move to Harmony? May 31st that my wife and I until this very day can’t 2016. seem to thank enough. We had neighbors What street do you live on? On Habitat Drive. bring us cooked meals, groceries because my wife couldn’t make it to the supermarket, What do you love most about Harmony? What constantly checking up on her and the kids all while I worked. To me this community is just is there not to love! I’ve never lived in a community like this. There is everything to do a good story overall. right here which I feel makes Harmony stand out so much more than any other community! What is unusual or unique about Harmony, in My neighbors are the greatest! It’s overall the comparison to your previous home? All the fun activities. From the adult meet and greets best decision we could have ever made. to luau’s to just overall fun.

What are your kids’ favorite things about What is your favorite weekend activity? It Harmony? Go nuts! Lol. They love that they actually depends on what we are in the mood could just go outside and not really have to for. It can be going to Disney or just enjoying worry about anything. They go to the pool, they go on long bike rides, and they hang out a day at the pool. with their friends.

Is there a neighbor experience you are most proud of? Just knowing that my neighbors Where did you move from? We moved from Do you have any pets? Juelsz the Yorkie and Lexxii the Havachon.

have been there for my family in many ways without being asked.

Are there any recommendations for other neighbors? Just come on and live in Harmony, you won’t regret it.

What do you do for fun? Besides bike riding and working out, just spending time with my loved ones.

What is the last movie you saw in theaters?

Fifty Shades Darker (Valentine’s Day date night with the Mrs. all her idea) lol Who is your role model and why? My Dad. He was always pushing me to stay focused and do good with my life. He said I made him proud when I joined the United States Marine Corps.

It saddened me that he wasn’t around long enough to see that I served my country and then later on served my City of New York as a Detective for the NYPD. What is your favorite TV Show? Sons of Anarchy (even though it no longer airs on TV).

What else should we know about you or your family? We are a bunch of jokesters who just like to have fun. My wife loves to cook, she use to cater back home and wants to open a small restaurant. She cooks it all from Spanish to American to soul food. My family is my HYHU\WKLQJ Ŷ

Your Downtown Destination for Gifts unique gifts. fresh. inspiring. unexpected.

#doitdowntownstcloud 1117 Pennsylvania Ave. • Downtown St. Cloud 34769 2

April 2017 | Harmony Life Magazine

COMMERCIAL & RESIDENTIAL LICENSED & INSURED

SPECIALIZING IN: Lawn Maintenance • Landscaping Irrigation & Tree Trimming

Contact Us Today:

407-957-3489 triplepalmlawn@aim.com

Absolute Integrative Medicine Community Acupuncture $40/treatment - Walk-Ins Welcome No appointment needed Monday – Friday 8am-5pm “Health is our greatest wealth” We wish you and your family a healthy and all the best for 2017 A New Year & a New You!

Catherine R. Coudray Lic Ap

DR. C Coudray share her +30 years of clinical expertise in many conditions, besides pain management, addiction disorders, PTSD & Trauma, depression, & anxiety disorders, Stress release and clinical weight-loss programs available with special offers visit us for a Complimentary consultation.

www.coudrayacupuncture.com 1716 East Irlo Bronson Hwy, FL 34771 321-303-5240 B-12 injections to a discounted rate

Consistently the best at serving all of your property maintenance needs including: • Lawn Care • House Cleaning • Painting • Handyman • Pressure Washing Services Call today for a free estimate!

Licensed & Insured Joe Murray - Owner, Harmony Resident 407-766-5051 | JoeMurray3.19@gmail.com April 2017 | Harmony Life Magazine 3

4

April 2017 | Harmony Life Magazine

WHAT DID MY NEIGHBOR’S IS YOUR NOT-FOR-PROFIT HOUSE SELL FOR? ORGANIZATION TAX EXEMPT?

D N

By Jeanine Corcoran, Real Estate Broker

By Jason Flowers MBA, CFA, EA, CPA

id you ever wonder what your neighbor’s house really sold for? When talking to your neighbors, one neighbor tells you ot-for-profit organizations (NPOs)tells are you not another always price? recognized one price and the next neighbor And by the IRS as tax exempt and eligible to receive tax deductible when you decided to look online, you weren’t sure which website contributions. If you are an officer of an NPO, or a financial had the correct because online are seeing contributor to one,facts you might wanteven to check the you organization’s taxdifferent exempt amounts that the property sold for.

At this point, you’re not even status at the IRS website: https://apps.irs.gov/app/eos/. sure if Zillow is the place to get the facts. Well we have made it easy for you.

NPO’s gain tax-exemption by applying for IRC Section 501(c)(3) status.

and townhouses, new construction, resales, custom homes, and lastly The Lakes at Harmony! The information comes directly from Common losewebsite. their taxSo, exempt statustime include: (1) looking failing our MLSreasons and theNPOs county the next you are to File Form 990 for 3 consecutive years, (2) earning too much income for the facts, just go to our website TheCorcoranConnection.com from unrelated activities, (3) participating in political campaigning, and (4) and look board for themembers RED button on the first page labeled “click here for benefiting excessively.

Harmony Reports”. Don’t wonder what your neighbor’s house sold for loss but of rather get the facts from a reliable source.for the organization The IRS tax-exemptions can create tax problems

According to the IRS, the City of Orlando, FL has approximately 2,927 NPOs registered as eligible to receive tax deductible contributions.

However, another 1,551 NPOs in Orlando lost their tax-exempt status in the last 5 years.

Herring CPA’s and Consultants are prepared to help you through the process of reinstating your tax-exempt status if necessary. If you feel your organization has lost (or is in danger of losing) its tax exemption and would like a free consultation, please call us 407-647-7777. We are also available if you are currently operating as an NPO and need help with your annual filing requirements.

and its contributors. For example, donors to a NPO would no longer be Jeanine Corcoran is the Broker and contributions.

Owner of TheInCorcoran able to itemize deductions for their addition,Connection, the NPO LLC – A Real Estate and Property Management Company. Jeanine has been Benefits of being 501(c)(3) be subject to federal corporate income taxes, penalties and interest.

Since 2012, Thetax-exempt Corcoran under Connection hasinclude: been keeping track of all would helping families with their Real Estate needs since 2005. Jeanine is Barbara 1.

Exemption from federal corporate income taxes.

Corcoran’s sister from ABC’s SHARK TANK. Jeanine can be reached at of Harmony Sales through the HARMONY REPORT. We’ve even Retroactively reinstating NPO status can be a confusing process.

Form 1023 407.922.3308, email her at Jeanine@TheCorcoranConnection.com, or visit 2. Possible from income, and property gone so far asexemption to separate thestate homes intosales categories such taxes. as, condos isTheCorcoranConnection.com commonly used for reinstatement and is 26 pages in length. It requires 3. Ability to apply for grants and other public or private funding available numerous attachments/statements from the NPO’s Board of Directors and only to IRS-recognized NPOs. financial statement information. n 4. Discounts on US Postal bulk-mail rates.

5. Contributions are tax-deductible by the donor.

PENDING

SOLD

SOLD

SOLD

SOLD

3555 Clay Brick Rd 2 Bed / 2 Bath 1316 sq ft

by Jeanine Corcoran

7027 Buttonbush 4 Bed / 2.5 Bath 2153 sq ft

by Kimberly Towe

3310 Cat Brier Tr 4 Bed / 2.5 Bath 2544 sq ft

by Kimberly Towe

6821 Sundrop St 3 Bed / 2 Bath 1788 sq ft

by Kimberly Towe

3121 Dark Sky Dr 4 Bed / 3 Bath 2045 sq ft

by Jeanine Corcoran

PENDING

FOR SALE

SOLD

FOR SALE

FOR SALE

$228,900

$549,000

$230,000

$279,900

$169,000

$118,000

$231,000

$240,000

$215,000

$270,355

3488 Sagebrush St 3333 Schoolhouse 3219 Bayflower Ave 7045 Buttonbush 7024 Buttonbush 3 Bed / 2.5 Bath 3 Bed / 2 Bath 3 Bed/4.5 Bath/Pool 3 Bed / 2.5 Bath 2 Bed / 2 Bath 2008 sq ft 1645 sq ft 3647 sq ft 2153 sq ft 1240 sq ft

by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran 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!

September 2016 || Harmony HarmonyLife LifeMagazine Magazine 57 April 2017

We know that you have many choices when purchasing, servicing or maintaining your vehicle.

Please know that we sincerely appreciate the opportunity to earn your business.

Thank you.

Bobby Kisselback 1. A 3-day exchange. If you buy a vehicle and you are not completely satisfied, bring it back and exchange it.

2. The first service is on us. All vehicles we sell, your first oil change and tire rotation is free.

3. Pre-owned Piece of Mind. Our Kiss Certified pre-owned vehicles are prepared for sale with a 172-point inspection process and each vehicle carries a 3-month / 3000-mile pre-owned limited warranty.

4. A full tank of gas. Every vehicle sold, new or used, is delivered with a full tank of gas.

5. Kiss & Tell Referral Rewards. Our referral rewards program pays you or your favorite charity. (Sales & Service) 6. Quick Lane Tire and Auto Center on site. Open 6 days a week, maintenance services and tire sales for almost all makes and models.

7. Kisselback Insurance Agency. Located in our main showroom, our Auto and Home insurance agents will perform a courtesy review of your existing insurance policy. Whether you purchased your vehicle here or not, let us see if we can save you some money.

8. Car Rental Location on site. If you need a rental car for any reason, we have a rental car office on site. Special Discounts apply for Kisselback Ford and Kisselback Insurance customers.

9. “The Works”, $39.95 including tax and fees. (Synthetic blend oil change, tire rotation and pressure check, brake inspection, multi-point inspection, battery test, filter check, belts and hoses check. Most makes and models. Gas engines only. Diesel Oil changes are available at a discount) 10. Complimentary local shuttle service.

11. Customer Lounge with free Wi-Fi 12. We will shop for you. If we don’t have what you are looking for, we are confident that we can find it for you. No additional charge. New or used vehicle.

For all the details of our Kiss Advantage, please contact one of our sales or service team members. 407-892- KISS (5477)

407-892-2141 • KISSELBACKFORD.COM 1118 13TH STREET • ST.CLOUD, FL 34769

IS YOUR NOT-FOR-PROFIT GROWTH CONTINUES… ORGANIZATION TAX EXEMPT?

G N

By Steve Berube, Chairman Harmony Community Development District By Jason Flowers MBA, CFA, EA, CPA

rowth continues at a steady pace in Harmony. As such, I thought it might be helpful to cover many of the CDD amenities available ot-for-profit organizations (NPOs) are not always recognized to residents. This is a highlight review—for more detail, visit by the IRS as tax exempt and eligible to receive tax deductible www.harmonycdd.org which contains years of documentation related contributions. If you are an officer of an NPO, or a financial to the CDD and its activities. the the neighborhoods CDD contributor to one, you might wantFirst to check organization’sunder tax exempt control: A-Ashley Park Condos; B-Birchwood; C1 & 2Cypress; status at the IRS website: https://apps.irs.gov/app/eos/.

D1 & 2-Drake; E-Estates; F-Cherry Hill; G-Green; H1-Rosewood; H2-Hawthorne; I-SouthLake; O-Waterside.

You might notice that NPO’s gain tax-exemption by applying for IRC Section 501(c)(3) status.

A,B,C,D,E & G areas all had a name that started with the same letter; Benefits of being tax-exempt under with 501(c)(3) include: that naming convention changed arrival of the current Developer group.

This oldfrom guy federal would corporate like a return to the original convention as 1. Exemption income taxes. it’s2.easier to remember!

Possible exemption from state income, sales and property taxes.

3. Ability to apply for grants and other public or private funding available Facilities: CDD manages 3 pools; one at the swim club on Town only toThe IRS-recognized NPOs. Square, one in Ashley Park condos and a splashpad at Lakeshore 4. Discounts on US Postal bulk-mail rates.

Park which is technically a pool.

To add to users’ safety & security, 5. Contributions are tax-deductible by the donor. pool access is secured through fencing and a digital keycard access system. Speaking of Lakeshore parks throughout According to the IRS, the City of Park, Orlando, FL are has scattered approximately 2,927 Harmony and many various play equipment for the kids. While NPOs registered as have eligible to receive tax deductible contributions.

However, another 1,551 NPOs lost their tax-exempt status in on kids, some folks treat theirin4 Orlando legged friends like kids, so Harmony the 5 years. 2 of which are on Cat Brier @ Primrose Willow// haslast 3 dogparks, Bracken Fern area and 1 is on E Five Oaks just east of the Swim Club.

Don’t forget that the Cat Brier Dog Parks are accessible via Dog Trot Trail which begins just south of the School on Schoolhouse Rd. The Developer is building another dog park at the far end of E Five Oaks which should be available later this year.

Lakeshore Park also houses our dock facility which contains a number of electric-powered boats as well as kayaks and canoes. The dock facility is accessible using the same keycard that gets you into the pools. And, boats are available for free usage by residents—though reservations are required. As with everything in this article, more details on keycards and reservations are available at www.harmonycdd.org. Lakeshore Park extends along Schoolhouse starting at the intersection with Cat Brier and extends for about a mile to the area of the school. The docks are at the northeast corner of LSP. A covered pavilion at LSP provides a nice area for small gatherings; just like the pool areas, this pavilion requires reservations to avoid conflicts between users.

If you’re looking for those parks with play equipment to wear out the kids, you’ll find it at Lakeshore, at the Dog Parks on Cat Brier, in Common reasons NPOs lose their tax exempt status include: (1) failing Neighborhoods G, H1 @ H2 parks and 2 new areas at the south end of to File Form 990 for 3 consecutive years, (2) earning too much income Waterside-O. Additionally, residents can use the play areas at Harmony from unrelated activities, (3) participating in political campaigning, and (4) Community School outside of school times. Since we mentioned benefiting board members excessively. water, the CDD manages nearly 50 ponds most of which are scattered randomly throughout the area. the tax primary purpose these ponds The loss of IRS tax-exemptions canAs create problems for theoforganization is toitscollect stormwater, they are donors managed such would with only a minimal and contributors.

For example, to as a NPO no longer be effort to make them pleasing to the eye. effect, iftheit NPO grows able to expended itemize deductions for their contributions.

In In addition, would be subject to federal taxes, penalties and interest. in or around a pond, we letcorporate it grow, income using chemicals only to keep things controlled. As such, any recreational use is prohibited though fishing is Retroactively reinstating NPO status can be a confusing process. Form 1023 allowed subject to FL Statutes is commonly used for reinstatement and is 26 pages in length. It requires numerous attachments/statements NPO’s Board of Directors and We mentioned dog parks and from so wethemust mention dog poop. Even financial statement information. n though we have dozens of doggie potties scattered around, and consume thousands of waste bags yearly, a common complaint is dog poop where it shouldn’t be. So, please be considerate of neighbors Herring CPA’s and Consultants are prepared to help you through the process of reinstating your and when your dog goes, make that go away. If you know of an area tax-exempt status if necessary. If you feel your organization has lost (or is in danger of losing) a waste station, please let us know.

Finally, a new park itsthat tax needs exemption and would like a free consultation, please call us 407-647-7777.

We will are seeavailable construction it as parallels Butterfly so will also if you are begin currentlysoon; operating an NPO and need help Dr with and your annual filingsit requirements. between F & G neighborhoods directly across from the school.

Thanks for reading—see you next month. ■

Harmony Social Committee

UPCOMING EVENTS APRIL

3rd - Social Committee Meeting - 6:30pm - 3306 Dark Sky Dr. - All are welcome to join!

8th - Harmony Hike - 9:15am- Billy’s Trail (past the community garden to your left before Cat Lake) Duration: 45min - Note: Water, comfy shoes, bug spray & long pants 9th - Easter Event - 1-3pm - Town Square (Weather Permitting) Egg Hunt (bring your own basket), kids crafts, free digital photos with Easter Bunny 30th - Paws in the Park - 10am-12pm - Big Dog Park Every Monday - Beach Volleyball - 6-7pm - Buck Lake Park MAY 13th - Mother’s Day Themed Fun Run - 8am - Estates 19th - Casino Night - 7-11pm - Adults only 21 & up $10 per person Blackjack/Craps/Roulette/Slots/3 Card Poker Vegas style casino games, playing chips, passed hors d’oeurervs cash bar, raffle and prizes!

Join our mailing list here -http://bit.ly/2mJuo4E

HARMONYSOCIALACTIVITIES@GMAIL.COM

Harmony Community Activities @harmonysocial

September 2016 || Harmony HarmonyLife LifeMagazine Magazine 77 April 2017

DID YOU KNOW? SECOND NOTICE OF ELECTION

By Kerul Kassel PHD Hamony CDD Board Member

By Timothy Quinlan, LCAM recyclable, ensure your recyclables comply with county on each of these a little later. We’re lucky that we have ID YOU KNOW that Harmony was designed program guidelines (http://www.osceola.org/agenciessingle stream recycling in Osceola County, where all of to promote the peaceful coexistence of human more than one person, besides a e are now on the second step of the resident board If your home is owned by departments/public-works/solid-waste/curbsideour recyclables go into a single container. It’s easy and and animal residents within the community married couple, then a Certificate of Appointment of Voting election that we announced in March.

The filing collection-services/acceptable-recycling-items.stml) quick for residents. This stuff is sorted both by hand and while striking a balance between the preservation, use Representative must be filed with the Association to certify period for candidates who are interested in running Third, use recycling best practices: clean allwho containers by machine once it reaches a MRF (Materials Recovery and enjoyment of Harmony’s natural areas? Harmony is authorized to cast the A Certificate for the board seats expired.environments Please find enclosed the names and letfor them dryproperty. before putting them in the binofso they Facility). That’s why it’s important to exclude from yourthe vote incorporates natural and has human-built don’t contaminateisother items like DON’T flatten jagged pieces of scrap metal or broken glass can Representative that blend in ways designed enhance the relationships Appointment ofthat Voting enclosed.

Ifpaper. applicable, and biographies of to those residents who havebinannounced their plastic containers as they can confuse sorting machines harm workers, or plastic shopping bags that can jam up between humans and animals and maximize the benefits intention to run. Also enclosed is a ballot for you to mark the two please complete this form and include it with your ballot. but DO flatten cardboard boxes. Don’t include cardboard machinery. of their peaceful coexistence. While retaining natural people you wish to see elected to the board. Do not mark more that has food residue, plastic liners or components

areas, Harmony is part of a human-dominated landscape Please note: ballot with your votewith must into don’t thanour two candidates oraffect yourtheballot be invalid.

Become familiar what be NOTdeposited to recycle. Fourth, With current commodity and oil prices low, The the market where actions profoundly welfarewill of wild theisballot box, or mailed to and by the HROA, onyou or might landfill foodreceived waste: compost it! It’s easier than for some recycled materials challenging, yetbe this animals. imagine will with then just a little attention,and and counted you can use the is quite likelyballot a temporary scenario.May Another issue is 4, 2017.

The ballots be opened Once you have made your selection, please mail your to before compost in your garden, flower noticed beds, or among that visit an increasing amount of go to of,finished One the ways we protecton ourthe environment through at recycled 6:30 ontruckloads the evening Thursday, May 4, at the duly theof address listed ballot. isYou may also the Town your shrubs for healthier plants. You can compost your the landfill or incinerator because they are considered recycling, and in the US recycling rates have been about Center Market during open hours where a locked ballot box will board meeting (see enclosed meeting notice/agenda). shredded paper, too (or use it for packaging cushioning)! contaminated. It’s up to us to ensure our recycling 34% of total waste (way behind many other developedbe made available for you to deposit ballot.

NoteCoated paper receipts, shredded Fifth, take your electronics waste to appropriate recyclers actually gets recycled. world countries).

Recycling reduces toxic pollutionyour fromcompleted very process related to the governance of thatfacilities. this is Itnot a secret ballot like election.

You must sign yourglass, ballot (see e-stewards.com). paper, broken diapers,This plasticis lidsa and caps,important plastic waste conserves resources, trees, water, shopping and Styrofoam (polystyrene) containers metals, and fossil It reduces waste, while your community.

We hope that you will take to the time to review and list yourfuels.

Harmony address for saving your ballot to bebags, counted.

Reycling is one with of those greenvote. community no-brainers contaminating an is entirethe truckload. energy, carbon emissions.

It has been candidates and to submit a ballot your Sincerely, Onlyand onemitigating ballot per home is permitted.

If morerisk than one ballot Let’s set an example here in Harmony, by reducing our

reported to create 20-100 jobs for every one job created submitted for the same address, all ballots for that address will Harmony Residential Owners Association, Inc. ■ total waste and taking action to ensure the recyclables How to take recycling the next level? First, reduce buying with landfilled waste. be invalid. that leave end up actually recycled. Perhaps a contest new stuff where possible and appropriate, and reuse

for the cleanest recyclable bin? What are your contest your existing stuff (contact me for strategies: Kerul@ Did you know there are 5 “R”s of waste management? ideas? n me.com)—it saves $$ as well as reducing waste. Second, Aside from recycle, there’s reduce and reuse, refuse (don’t rather than “wish-cycle” anything that looks remotely buy what you don’t really need), and rot (compost). More

DW

8

April 2017 | Harmony Life Magazine

September 2016 | Harmony Life Magazine 15

HROA BOARD CANDIDATE BIOS STEVE BERUBE • 59 years old; married; two children; two grandchildren.

• Employed as Regional Service Manager for Heavy Construction Equipment.

• Bought in Harmony in 2004.

• Appointed to Harmony Community Development District (CDD) in 2009.

• Elected to CDD in 2010.

• Appointed CDD Chair in 2012.

• Re-elected to CDD in 2014 and continued as Chair.

• Re-appointed as Chair in 2016.

• Appointed to Harmony Residential Owners Association (HROA) in 2009.

• Elected to Member Advisory Committee (MAC) of HROA in 2014.

• Appointed to MAC Chair in 2014 and continue as MAC Chair today.

• I believe that “local government” is perhaps the most important government in our lives because it is the one government that we can take an active part in and voice our opinions. Hopefully, those opinions lead to better lives for all of us.

• As such, I have been a steady attendee at nearly every CDD and HROA meeting held here since I became a resident, and over time, came to sit on both boards gaining years of experience and insight over more than a decade here. I remain the only resident to have sat on both of your local government boards.

• If elected, I will hit the ground running and use my experience to maintain Harmony as the premier community it has become.

JEANINE CORCORAN Jeanine first fell in love with Harmony when she and her family purchased their home in 2005. Soon after, her mom and dad became residents and as her children grew up, they stayed here and are still residents in our community. Jeanine is married to Bill Bokunic and together they have five adult children, three grandchildren-- two granddaughters who attend Harmony Community School and the newest, a grandson who is six months old.

As a homeowner, Jeanine is very vested in Harmony and not a day goes by where she doesn’t appreciate the beauty within Harmony and all it has to offer. Jeanine has served on Harmony’s Covenants Committee since last April and will step down if elected.

Jeanine is the Broker and Owner of The Corcoran Connection, a real estate and property management company located on Narcoossee Road in St. Cloud. She has been practicing real estate since 2005. Jeanine also serves as a Deaconess for Harmony Community Church. She is involved with Harmony Community School as a Business Partner and has served on numerous parent boards at both Harmony High School and Harmony Community School over the years as a parent. She comes from a large family with 9 siblings and is all about families.

Jeanine understands the balance of a beautiful community and helping to keep the standards up while working with residents rather than against them. She believes everyone that has moved here is attracted to Harmony’s sense of community and all it has to offer.

As Harmony continues to grow, it is Jeanine’s hope to be a positive influence and a voice for the residents by being elected to the board. There is no other place Jeanine would rather live--She loves it here! She would be honored to serve Harmony as a member of the board.

April 2017 | Harmony Life Magazine 9

HROA BOARD CANDIDATE BIOS CONT’D MARCOS LOPEZ Currently an Osceola County Deputy Sheriff I served 22 years in the United States Military, enlisting in March of 1986 at 17 years of age. I was mobilized to support operation Iraqi freedom, Noble Eagle and Enduring Freedom as a law enforcement specialist attached to the Centcom Logistical Support Group Forward, (NALESFG FWD). I retired in 2008 with an honorable discharge.

I have extensive training and experience in anti-terrorism, linguist certified speaking 3 languages and was a Successful business owner for 8 years.

My educational background is in criminal justice and business administration.

I have also resided in the central Florida area since 1979, relocating here from Chicago, Illinois. Currently a Harmony resident since 2010.

I have dedicated many years of service to the U.S military, the private sector and the citizens of central Florida continuing to serve currently as a Deputy Sheriff.

Thank you Marcos Lopez

JASON MEISEL Greetings, I am interested in submitting my name as a candidate for either the HROA Board or for the MAC itself. I am a proud and established homeowner in the Harmony neighborhood of Ashley Park and believe it is important to take an active interest in your community and I am pleased to do this with great pride.

One of the many things that attracted me here was the ability to become involved in the maintenance and growth of our small town and doing something rather than just hoping it will turn out as we all envision. To that end, I have already become involved in my neighborhood association and was elected in 2016 to the Ashley Park Board where I stay in regular contact with the association manager and my fellow board members regarding landscaping, appearance and maintenance.

I also attend and ask questions at the monthly CDD and town hall meetings, as I believe it is important to remain current on issues that affect our small and growing community. Having time and flexibility in my work schedule also enables me to stay on top of information, participate as needed and attend meetings without feeling rushed or being out of time.

I am pleased to answer any additional questions that may arise and look forward to serving and working together for the benefit of our little town.

Sincerely, Jason Meisel

10 April 2017 | Harmony Life Magazine

April 2017 | Harmony Life Magazine 11

HARMONY INCIDENT REPORT DATE 03/01/2017 03/01/2017 03/02/2017 03/03/2017 03/03/2017 03/03/2017 03/03/2017 03/04/2017 03/04/2017 03/05/2017 03/06/2017 03/07/2017 03/08/2017 03/08/2017 03/09/2017 03/10/2017 03/10/2017 03/10/2017 03/11/2017 03/11/2017 03/14/2017 03/15/2017 03/16/2017 03/17/2017 03/20/2017 03/21/2017 03/23/2017 03/23/2017 03/24/2017 03/26/2017 03/28/2017 03/29/2017

INCIDENT NATURE 17I019724 BATTERY 45R 17I019814 JUV COMPL 57I 17I020154 CHILD ABUSE 16I 17I020422 SUSP INC 13I 17I020434 ARMED SUBJECT 17I020435 SUSP INC 13I 17I020449 MISC SERVICE 18 17I020833 TRAFFIC STOP 17I020874 TRAFFIC COM 17R 17I021292 SUSP VEH 13V 17I021558 SUPPLEMENT 17I022012 MISSING JUV REC 17I022157 LARCENY 46R 17I022230 BATTERY 45R 17I022616 RECKLESS OP 29I 17I022883 LARCENY 46R 17I022919 LARCENY 46R 17I022920 LARCENY 46R 17I023242 SUSP VEH 13V 17I023470 SUSP INC 13I 17I024367 LARCENY 46R 17I024678 LARCENY 46R 17I024882 SUSP INC 13I 17I025487 DIST 22I 17I026311 MISC SERVICE 18 17I026657 ACCIDENT NO INJ 17I027424 DRUG CASE 31R 17I027579 BURG ALARM 49 17I028067 SUSP VEH 13V 17I028445 BURG ALARM 49 17I029369 FRAUD 39R 17I029616 ACCIDENT NO INJ

LOCATION GOLDFLOWER AVE ARTHUR J GALLAGHER SCHOOLHOUSE RD; HCS ARTHUR J GALLAGHER ARTHUR J GALLAGHER ARTHUR J GALLAGHER ARTHUR J GALLAGHER FIVE OAKS DR & E IRLO BRONSON FIVE OAKS DR & E IRLO BRONSON FIVE OAKS DR; DEAD END CLAY BRICK RD PRIMROSE WILLOW DR ARTHUR J GALLAGHER PRIMROSE WILLOW DR FIVE OAKS DR & CLAY BRICK OAK GLEN TRL OAK GLEN TRL OAK GLEN TRL FIVE OAKS DR BUTTERFLY DR SUNDROP ST POND PINE RD CLAY BRICK RD & SEBASTIAN SUNDROP ST HARMONY SQ DR SOUTH SUNDROP ST ARTHUR J GALLAGHER CUPSEED LN INDIANGRASS RD BAYFLOWER AVE GOLDFLOWER AVE ARTHUR J GALLAGHER

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 12 April 2017 | Harmony Life Magazine

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

CODE R I R R R I F B COM X F R R AR F R R R X I R R F W F CAN R L I X R Y

4 Harmony Life Magazine | September 2016

April 2017 | Harmony Life Magazine 13

IS YOUR DID YOU NOT-FOR-PROFIT KNOW? ORGANIZATION TAX EXEMPT?

D N

By Kerul Kassel, PHD

By Jason Flowers MBA, CFA, EA, CPA Harmony CDD Board Member

ID YOU KNOW that Harmony was designed to promote the

peaceful coexistence of human andare animal within the ot-for-profit organizations (NPOs) not residents always recognized community strikingand a balance thetax preservation, by the IRS aswhile tax exempt eligiblebetween to receive deductible use andcontributions. enjoyment ofIfHarmony’s you are annatural officerareas? of anHarmony NPO, orincorporates a financial natural andtohuman-built environments that in ways designed to contributor one, you might want to check theblend organization’s tax exempt enhance the relationships between humans and animals and maximize status at the IRS website: https://apps.irs.gov/app/eos/. the benefits of their peaceful coexistence.

In case you haven’t seen it, Harmony has loads of Wild Blackberries

at edges reasons of woodlands and their conservation areas.

They usually Common NPOs lose tax exempt status include: (1) ripen failingin did990 youforknow that the leaves used? toMay. File But Form 3 consecutive years, are (2) also earning tooThey muchshould incomebe picked soon before the (3) flowers appear in (about March/April) and from unrelated activities, participating political campaigning, anddried, (4) then can be usedmembers as a tea excessively. for some ailments. Young edible shoots can be benefiting board harvested in the spring, peeled and used in salads.

The loss of IRS tax-exemptions can create tax problems for the organization Right in your backyard might be Dollarweed.

NPO’s gain tax-exemption by applying for IRC Section 501(c)(3) status. and its contributors.

For example, donors to a NPOThis wouldcoin-like no longerplant, be While retaining natural areas, Harmony is part of a human-dominated able which be found all over is quite edible.

You may to can itemize deductions forHarmony, their contributions.

In addition, thealready NPO landscape wheretax-exempt our actions profoundly affect the welfare of wild would know be dollar weed as a plant widelyincome despised bypenalties homeowners who are Benefits of being under 501(c)(3) include: subject to federal corporate taxes, and interest. animals. We are blessed to have a wonderful community garden here irritated by its excessive growth and invasive nature. Little do folks 1. Exemption from federal corporate income taxes. in Harmony in which you can plant your own veggies and fruits year Retroactively realize that these “annoying” plants closeprocess. to celery in 1023 terms reinstating NPO status can are be aquite confusing Form 2. Possible exemption from income, sales and taxes. round (call 407-891-2602 if state you’re interested in aproperty plot). But did you isofcommonly taste. Theused leaves be eaten raw consume dollar forcan reinstatement andoris cooked.

26 pagesIfinyou length.

It requires 3. Ability to apply for grants andaround other public or private available know that many plants in and Harmony are funding also edible, and numerous weed, make sure you wash it thoroughly to avoid the of risk of ingesting attachments/statements from the NPO’s Board Directors and only can to IRS-recognized that they provide some NPOs. nutrients that are hard to find in most store- financial herbicides which are widely used to control this plant in lawns and statement information. n bought food? on US Postal bulk-mail rates. gardens.

4. Discounts 5. Contributions are tax-deductible by the donor.

Foraging – harvesting naturally growing plants, versus cultivating them in a field, or windowsill – is fun, and 2,927 many According to thegarden, IRS, thegreenhouse, City of Orlando, FL has approximately plants are easy to identify, but it’s also important to be aware that some NPOs registered as eligible to receive tax deductible contributions. plants are poisonous or painful and care should be used, especially However, another 1,551 NPOs in Orlando lost their tax-exempt status in when you’re first learning to forage. Plants must be prepared correctly the last 5 years. and attention paid to which parts of the plant is edible, too.

One of the most abundant and easy to prepare food sources we have growing in Harmony are Cattails (also known as “punks”). These are plants usually found near the edges of freshwater wetlands. They were a staple in the diet of many Native American tribes. Most of a Cattail is edible. You can boil or eat raw the rootstock, or rhizomes, of the plant.

The rootstock is usually found underground. Make sure to wash off all the mud. The best part of the stem is near the bottom where the plant is mainly white. Either boil or eat the stem raw. Boil the leaves like you would spinach. The corn dog-looking female flower spike can be broken off and eaten like corn on the cob in the early summer when the plant is first developing. It actually has a corn-like taste to it.

14 April 2017 | Harmony Life Magazine

Pickerel weed, a tallish (2-3’) plant with arrowhead type leaves found

Herring andof Consultants are and prepared to help youeasily throughidentifiable the process of reinstating your at theCPA’s edges our lakes ponds and by it’s pretty tax-exempt status if necessary. youseason), feel your organization lost (or is in danger Its of losing) purple flowering spike If(in is anotherhas abundant edible. seeds itsare taxnutritious exemption and a free consultation, please call us 407-647-7777.

We are andwould can like be eaten raw or cooked, or can be boiled like rice also available if you are currently operating as an NPO and need help with your annual filing or roasted. When dried they make a good grain for bread. Its young requirements.

unfurled leaves can be eaten raw or boiled for about 10 minutes. Stalks are edible as well. Don’t mistake Pickerel weed for water hyacinth, a shorter plant with rounded leaves and low, light purple flowers, or Arrowhead, also with arrowhead shaped leaves but with small white flowers. The latter has edible parts, too, but not the same as Pickerel Weed.

Is anyone interested in a foraging class? If so, let me know. Email me at: Kerul@me.com and I’ll see what I can set up. Meanwhile, while you’re out and about, you might look around and see if you can find these plants and experiment with them. It’s a great excuse to get explore Harmony’s greener areas.■

September 2016 | Harmony Life Magazine 7

“SAVER’S CREDIT,” IS YOUR NOT-FOR-PROFIT AN OVERLOOKED BENEFIT TO SOME WHO SAVE FOR RETIREMENT ORGANIZATION TAX EXEMPT?

S N

By Jason Flowers MBA, CFA, EA, CPA

By Jason Flowers MBA, CFA, EA, CPA

aving for retirement can provide you with multiple tax benefits.

Contributions into qualified plans, such as a 401(k), traditional IRAs and/or SIMPLE IRA help shield from ot-for-profit organizations (NPOs) areyour not taxable alwaysincome recognized currentby federal income assuming are permitted taxdeductible deduction the IRS as taxtax, exempt and you eligible to receive atax for such contributions.If In some provide contributions. you arecompanies, an officer your of anemployer NPO, ormay a financial acontributor matchingtocontribution, up to certain limits, based on contributions one, you might want to check the organization’s tax exempt you make the employer sponsored plan. Additionally, earnings status at theinto IRS website: https://apps.irs.gov/app/eos/. on funds in a qualified retirement plan are protected from taxation during gain the years your account growsfor until withdraw the funds NPO’s tax-exemption by applying IRCyou Section 501(c)(3) status. or are required to take distributions from the account.

Benefits of being tax-exempt under 501(c)(3) include: One often overlooked benefit from savings for retirement comes in the 1. Exemption from Low federal corporate income taxes. may benefit from form of a tax credit. income earning households 2. Possible exemptionRetirement from state income, and property taxes. a “Credit for Qualified Savingssales Contributions.”

This credit can3.be as high as 50% of theand funds setpublic asideorup to $2,000 when filing Ability to apply for grants other private funding available as “Single” (up to $4,000 when filing as “Married Filing Jointly”) in a only to IRS-recognized NPOs. qualified retirement credit rates. is nonrefundable, thus you won’t 4. Discounts on USplan.

PostalThis bulk-mail see5.money from the tax credit come back to you in the form of a refund Contributions are tax-deductible by the donor.

are “Married Filing Jointly” with Adjusted Gross Income (AGI) of $37,000 or less (see line 37 of your Form 1040 for your AGI), you are eligible for aNPOs creditlose equal 50% of thestatus contributions youfailing make Common reasons theirto tax exempt include: (1) a qualified retirement account up to a(2) $4,000 contribution.

If you totoFile Form 990 for 3 consecutive years, earning too much income contributed to a(3) qualified retirement account, i.e. yourand 401(k) from unrelated$4,000 activities, participating in political campaigning, (4) or a traditional IRA account, not only do you get to deduct this benefiting board members excessively. contribution from your taxable income on which your current federal income tax will be based, butcan you’d also eligibleforfor to a $2,000 The loss of IRS tax-exemptions create taxbe problems theup organization tax its credit against your benefits, and contributors.

For federal example,income donorstax. to a These NPO would no along longerwith be a potential match from your employer on saving for retirement, make able to itemize deductions for their contributions. In addition, the NPO it a great incentive to save. would be subject to federal corporate income taxes, penalties and interest.

As the end of the tax season approaches for the 2016 tax year, this is a

Retroactively reinstating NPO status can be a confusing process. Form 1023 great time to reflect on your savings for retirement. Not only is saving is commonly used for reinstatement and is 26 pages in length. It requires for retirement beneficial for your future economic well-being, but it numerous attachments/statements from the NPO’s Board of Directors and also provides many tax benefits that can help you today. It is not too financial statement information. n

late to make a tax deductible contribution to a traditional IRA for your 2016 tax return (The final date is 4/18/2017 for the 2016 tax year). for contributions made to a qualified retirement account if you do not Making a contribution now can help you reduce your taxable income CPA’seven and Consultants are prepared help you through the process of reinstating your owe taxes in a given year, however the credit is none the less available Herring and may qualify you for thetooften overlooked “Retirement Saver’s According to the IRS, the City of Orlando, FL has approximately 2,927 tax-exempt status if necessary. If you feel your organization has lost (or is in danger of losing) to reduce your taxes on a dollar for dollar basis, thus a refund may Credit.”■ NPOs registered as eligible to receive tax deductible contributions. its tax exemption and would like a free consultation, please call us 407-647-7777. We are be possible on excess withholdings or tax payments made during the However, another 1,551 NPOs in Orlando lost their tax-exempt status in also available if you are currently operating as an NPO and need help with your annual filing year. The credit is reduced as your income increases beyond certain If you need assistance with tax questions relative to retirement accounts and/or requirements. the last 5 years. thresholds based on a table that is indexed each year for inflation. saving taxes on your 2016 tax return, please feel free to reach out to Larry Herring To illustrate this credit, let’s consider the following example. If you

CPAs and Consultants at 407-647-7777 or email us at info@herringcpa.com for a free consultation.

September 2016 || Harmony HarmonyLife LifeMagazine Magazine 15 7 April 2017

Quick Reference Directory QUICK REFERENCE DIRECTORY

16 April 2017 | Harmony Life Magazine

16 Harmony Life Magazine | September 2016

ACCOUNTANTS HAIR Bugs-B-Gone Larry Herring CPA, PA Victor Russell Salon 407-891-1964 611 N. Wymore Rd. “Harmony Resident” bugsbgonefl.com Winter Park, FL 32789 105 E. 13th St. GYM PRINTERS PAINTING & ACCOUNTANTS 407-647-7777 St. Cloud, FL Anytime Fitness Creative Printing Services PRESSURE WASHING Larry Herring CPA, PA HerringCPA.com 407-892-1005 3380 Canoe Creek Rd.

Pennsylvania Ave Champions 611 N. Wymore Rd. VictorRussell.com 1115 Saint Cloud, FL 34772 ACUPUNCTURE

St. Cloud, FL 34769 Property Maintenance Winter Park, FL 32789 407-891-9111 Catherine Coudray HOME INSPECTORS 407-891-9797 Joe Murray, 407-766-5051 407-647-7777 “Harmony Resident” Budget Services AnytimeFitness.com HerringCPA.com Printing PEST Dog CONTROL 1716 E. Irlo Bronson Hwy 407-892-8811 Lucky HANDYMAN “Harmony Resident” Luv-A-Lawn & Pest Control ACUPUNCTURE St. Cloud, FL 34771 The Good News Handyman 1404 HOSPITAL Hamlin Ave, Ste F 407-908-9139 Catherine Coudray 321-303-5240 Rick Wade Health First-Holmes St. Cloud, FL 34771 Monday–Friday, 9am-5pm Coudrayacupuncture.com PET GROOMING 407-468-1352 Regional Health Care 407-593-6984 (Sat. by appointments only) 5 Star Pet Grooming ADVERTISING & 1350 S. Hickory St. 7262 Harmony Sq. Dr. South HAIR 1537 ESTATE E. Irlo Bronson REAL MAGAZINES Melbourne, FL 32901 Harmony, FL 34773 Victor Russell Salon Corcoran Memorial Hwy., Saint Cloud Harmony & Nona Woman 321-434-7000 The 321-303-5240 *Harmony Resident*

Connection, One 1/2 mileLLC West of Magazines 105 East 13th Street “Harmony Resident” Narcoossee on 192 Bill Bokunic & MAGAZINES HOUSE CLEANING ADVERTISING Saint Cloud, Molly Maid FL of Kissimmee, Jeanine Corcoran Owner/ 407-593-6911 321-331-6398 Harmony and 407-892-1005 St. Cloud & Lakeland Broker Bill@QMCWorld.com Eagle Creek Life Magazines PHOTOGRAPHER VictorRussell.com 407-498-2256 Buy/Sell/Rent/Property QMCWorld.com Bill Bokunic Amanda Yachmetz

MollyMaid.com Mgmt.

HOSPITAL 321-331-6398 Photography

AIR-CONDITION 407-953-9118 Health First-Holmes Bill@QMCWorld.com INSURANCE 813-842-6473 SERVICES TheCorcoranConnection.

Regional Health Care QMCWorld.com Brightway Insurance, AmandaYachmetzPhotography.com Access Air com 1350 South Hickory St. The Sterner Agency Eric Farnsworth AIR-CONDITION SERVICES Melbourne, FL 32901 PRINTERS 407-891-9361 RESTAURANTS “Harmony Action Air & Resident” Electric 321-434-7000 Creative Printing Services Champions Grill 407-921-0760 407-892-7616 1115Five Pennsylvania Kocher Insurance, LLC HOUSE CLEANING 7251 Oaks Dr. Ave. ELFarnsworth@live.com ActionAirAC.com Saint Cloud, 34769 1312 Ave, Suite H Maid Illinois Easy Cleaning Service

Harmony, FL FL 34773 St. Cloud, FL 34769 407-891-9797 407-709-3640 BANK 407-891-8525 Eric Farnsworth 407-957-1918 Trustco Bank Molly Maid of Kissimmee, *Harmony Resident* POOL TABLES KocherInsurance.com TRAVEL 1525 E. Osceola Pkwy.

St. Cloud & Lakeland 407-921-0760 Florida Game Rooms Meissner Cruise and 407-932-0398 LAWN 407-498-2256 ELFarnsworth@live.com 9350 S. Orange Blossom Trail #12 CARE

Travel MollyMaid.com 407-859-4400 Triple Palm Lawns BANK BODY PRODUCTS “Harmony Resident” “Harmony Resident” MyFloridaGameRooms.com Sea Wife Handcrafted 407-738-7088 Trustco Bank INSURANCE 407-957-3489 SeaWifeUSA.com tvlwithlinda@gmail.com 1525 E. Osceola Pkwy.

REAL ESTATE Brightway Insurance, TriplePalmLawn@aim.com Facebook: Harmony Sea Facebook: Harmony Get LLC 407-932-0398 The Corcoran Connection, The Sterner Agency Wife Aways WithResident* *Harmony MORTGAGE 407-891-9361 CARPET CLEANING Meissner Cruise & Owner/Broker Travel Jeanine Corcoran Trustco Bank Best and&Quick Carpet Cleaning Farm Bureau CARS TRUCKS Sarah Near – Branch Selling/Buying/Renting/Property Michael Long WATER SYSTEMS Diago MontesFord Kisselback Manager Management; Now serving 407-847-5189 Dependable Water 407-509-2492 1118 13th St.,Saint Cloud International clients with Portuguese/ Gateway Commons floridaFarmBureau.com Treatment Licensed and insured 407-892-2141 Brazilian- and Spanish-speaking 1525 E. Osceola Pkwy., 407-272-7150 KisselbackFord.com Kocher team members Ste. 120Insurance, LLC CARS & TRUCKS

1312 Illinois FL Ave., Suite H 407-922-3308 Kissimmee, 34744 Kisselback Ford CHURCHES Saint Cloud, FL 37769 JeanineCorcoran@gmail.com 407-932-0398 1118 13th St., Saint Cloud Harmony Community 407-957-1918 TheCorcoranConnection.com 407-892-2141 Church MOVIE THEATERS KocherInsurance.com KisselbackFord.com Meeting 10am Sundays at RESTAURANTS Cinema World Harmony High School LAWN East of CARE 95 on 192 next to Stone Bridge Tavern CHURCHS 844-444-FBCH Triple Palm Club Lawns The Royal Crest Room Harmony Community Church Sam’s HarmonyCommunity. *Harmony Resident* Melbourne, FL 5530 Michigan Ave. Meeting 10am Sundays at church CWTheaters.com 407-957-3489 Saint Cloud, FL 34772 Harmony High School

TriplePalmLawn@aim.com 407-891-0903 (844) 444-FBCHREPAIR COMPUTER MUSIC LESSONS StoneBridgeTavernAndGrill.com I Repair PCS HarmonyCommunity.church MORTGAGE Music in Harmony Piano Efrain Rodriguez Trustco Bank Life Church TIRES Lessons and Vocal 773-865-2697 Sarah Near Manager NTA National Tire and Auto 10:10am Sundays at Coach DawnBranch Korzen IRepairPCS.net Rebeca Escote - Assistant Narcoossee Middle School “Harmony Resident” 304 13th St., Saint Cloud, FL efraincfd@gmail.com Branch Manager Rd. LifeChurchCFL.com 7130 Indiangrass 407-593-2136 Gateway Commons Harmony, FL 34773 GARAGE DOORS & COMPUTER REPAIR 1525 E Osceola Pkwy., Ste.120 TRAVEL MusicInHarmony2013@ Kissimmee, FL 34744 IOPENERS Repair PCS Meisner Cruise and Travel gmail.com D.S.I 407-932-0398 for interview Efrain Rodriguez *Harmony Resident* 407-301-4561 Sales/Service/Repairs 773-865-2697 407-738-7088 MOVIE THEATERS 407-970-5847 PAINTING & PRESSURE IRepairPCS.net tvlwithlinda@gmail.com Cinema World dsigaragedoor@yahoo.com WASHING efraincfd@gmail.com Facebook: Harmony Get A Way DSIgaragedoorandopener.

East of 95 on 192 next to Sam’s Club Champions Property with Meissner Travel com Melbourne, FL DJ SERVICES Maintenance CWTheaters.com HPE House Party WATER SYSTEMS “Harmony Resident” HANDYMAN Entertainment Joe Murray, 407-766-5051 Dependable Water Treatment The Good News MUSIC LESSONS 407-738-3409 407-242-7150 Handyman Music in Harmony Piano PEST CONTROL Rick Wade GARAGE DOORS & OPENERS Luv-A-Lawn Lessons and Vocal & PestCoaching 407-468-1352 Control D.S.I.

by Dawn Korzen

Sales / Service / Repairs

407-908-9139 7130 Indiangrass 407-970-5847 Harmony, FL 34773 dsigaragedoor@yahoo.com MusicInHarmony2013@gmail.com dsigaragedoorandopener.com 407-301-4561 for interview

EXP. 5/31/17

EXP. 5/31/17

EXP. 5/31/17

PRSRT STD ECRWSS U.S. POSTAGE PAID EDDM RETAIL

Local Postal Customer

CO M E TO Health First Weight Loss Services And Take Advantage of: • The area’s most versatile range of robotic and

laparoscopic bariatric procedures including: ▶ Gastric Bypass ▶ Gastric Sleeve ▶ Gastric Band

103 LBS. DOWN

Tanisha: 103 LBS. DOWN NewFit Patient

• Non-surgical alternatives, such as our 15-week

program designed to kick-start weight-loss • A multi-tiered, highly-individualized strategy

for optimum results and maintenance • Free Education Seminars, Support Groups,

and One-On-One Visits to help you find the best fit for you!

For more information or to rsvp for a seminar call 321.434.9230 option 3 today!

NewfitNewlife.com