FLORIDA’S PREMIER COMMUNITY July 2016
MEET YOUR NEIGHBORS, THE PRESLEY FAMILY Photo by Christina Dalton
Trustco Bank Mortgages TRUSTCO BANK Your Home Town Bank R
EQUAL HOUSING
LENDER
www.TrustcoBank.com
Low Closing Costs No Borrower Paid PMI* No Points, No Broker Fees Friendly, Local Service
A publication of Quantum Marketing Communications, LLC
*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.
FROM THE PUBLISHER WELCOME TO JULY 2016!
PUBLISHER & CEO
Did you know that Harmony only has approximately 1,100 registered voters? With all the new residents and growth, I wonder if many of you haven’t taken the time to change your address or actually register? There are three Harmony CDD seats up for election—two of those contested, so you have a great opportunity to have your voice heard in this local election. Also, from what I understand, in times past there have been very close elections—what a great opportunity to see the election process work. https://www.voteosceola.com
Bill Bokunic Quantum Marketing Communications, LLC 321.331.6398 Bill@QMCWorld.com www.QMCWorld.com
Here are the Harmony CDD candidates:
Harmony Life Magazine
Harmony CDD Seat 1 • Anthony Presley • David Farnsworth Harmony CDD Seat 3 • Kerul Kassel Harmony CDD Seat 5 • Mark LeMenager • Bill Bokunic Recently, a Harmony resident had work done to her house. She is renting, so the owner contracted with a company to do the work. One of the “employees” stole several pieces of jewelry. The work done was emergency in nature, and due to her request, I am keeping the story vague. Turns out the “employee” had a criminal background. The owner of the house does not use a property manager and googled the company that did the work. The reason I illustrate this story is the advertisers in the magazine are vetted by my family or myself. Anyone can have a bad worker, but I do my best to only allow ethical businesses to participate and most have trusted, long-term employees. There are a few companies that are no longer in the magazine simply because of complaints I’ve received and their non-ability or desire to resolve the issues. In other words, I advocate for the residents with my advertisers. By doing business with the advertisers in the magazine you are not only supporting them, but getting a level of support not afforded by going it alone. See you in August! Bill Bokunic
Contact Info for Residents CDD HarmonyCDD.org, 407-566-1935 Steve, Ray, Mark, Kerul or David@HarmonyCDD.org SHERIFF, NON-EMERGENCY 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
TOWNHOMES HOA HARMONY DEVELOPER OFFICE
TITAN Management, 407-705-2190
OSCEOLA COUNTY
Osceola.org “Citizen Action Center”
COUNTY COMMISSIONER FRED HAWKINS
fhaw@osceola.org
407-891-8358, HarmondyFL.com
July 2016 | Harmony Life Magazine 1
MEET YOUR NEIGHBORS: THE PRESLEY FAMILY What are your kid’s favorite things about Harmony? She loves that Harmony has different events that get the teens involved. She also likes the different places to meet new people and hangout with others. She really likes the schools here because everyone is really close and you get to know everyone. Where did you move from? We moved from Daphne, Alabama, and prior to that, Fall River, Massachusetts. What do you miss most? We miss our families and friends tremendously, and various local foods. WHAT IS… Your name: Lori Presley Your spouse’s name: Anthony Presley Your child’s name: Kailey Presley Your pet’s name: Maggie Type of pet: Dog
What is your background? I worked for the United Way for 12 years in Massachusetts and while in Alabama, and now here, I work for a local accounting firm. Anthony was in the U.S. Navy on Submarines for nine years and since then, has worked for various Department of Defense agencies.
When did you move to Harmony? June 2013
What is a good story about Harmony? One day I was upstairs in our house and I saw a bobcat in our back yard. I started to yell for our daughter to come look at it and to take picture. All pretty normal except for the fact that Anthony was actually working in the back yard and I was a little late in warning him what was lurking behind him. All was good and we got a great picture.
What street do you live on? Goldflower Avenue What do you love most about Harmony? We love the fact that Harmony is so family oriented and that most everyone watches out for one another. We also love that the schools are within walking distance and are A-rated.
2 Harmony Life Magazine | July 2016
What is unusual or unique about Harmony, in comparison to your previous home? The unique thing about Harmony is that there is so much wildlife all around us and they are pretty much allowed to do their thing and not be bothered. I’m a city girl who is amazed frequently by seeing some of the animals that I have seen waking through our yard. What is your favorite weekend activity? We like to go the the beach, theme parks, karaoke at Grandaddy’s, volunteering at Heavenly Hooves, and golf. Do you do any charity or non-profit work? Our daughter, Kailey, volunteers at Heavenly Hooves on a weekly basis. We love that she has the opportunity to work with others who are challenged. It has helped her realize that she would like to go into a field where she can help others with unique situations. What do you do for fun? Anthony likes to run and runs quite a bit around the neighborhood. What else should we know about you or your family? Anthony is going to run for the Harmony Community Development District Board this year. We have been here three years now and we have been attending various meetings and now he would like to get more involved and help to make a difference in the neighborhood.
HARMONY REAL ESTATE — WHAT’S SELLING? By Jeanine Corcoran
Being a Broker and Realtor that lives and serves our beautiful community, it’s important to keep you updated on the values of our properties. The Harmony Report has important and valuable information for Harmony owners. Learn what’s selling by category: • Custom homes • New builds • Resales • Condo’s/Townhouses
The Harmony Report can be found on our website at TheCorcoranConnection.com. Look for the RED Tab “Harmony Reports” on the front page. This information on trending values has been available and in existence since 2012. 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.
FOR SALE
FOR SALE
FOR SALE
FOR SALE
$284,500
$399,000
$250,000
$249,900
FOR RENT
SOLD
SOLD
FOR SALE
FOR SALE
$1,650
$210,000
$212,900
$160,000
$250,000
FOR SALE
7118 Indiangrass 4 Bed / 3 Bath 2760 sq ft by Kristin Macari
$349,700
3314 Bracken Fern 6854 Butterfly Dr 6840 Butterfly Dr 6886 Sundrop 4 Bed / 3.5 Bath 4 Bed / 3.5 Bath 4 Bed / 3.5 Bath 4 Bed / 2 Bath 3386 sq ft 2175 sq ft 2219 sq ft 2174 sq ft by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran
3822 Spirited Cir 7009 Cupseed Ln 3503 Clay Brick Rd 3307 Countryside View 4 Bed / 2 Bath 3 Bed / 2.5 Bath 4 Bed / 2.5 Bath 3 Bed / 2.5 Bath 3 Bed / 2.5 Bath 1859 sq ft 2382 sq ft 2144 sq ft 1826 sq ft 2382 sq ft by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran 3325 Primrose Willow
Jeanine Corcoran - Broker | Owner | The Corcoran Connection 407-953-9118 - office | JeanineCorcoran@gmail.com TheCorcoranConnection.com Serving your Real Estate and Property Management Needs July 2016 | Harmony Life Magazine 3
• Free Estimates • No Contracts • General/Deep Home Cleaning
• Move In/Move Out Cleaning • Commercial Cleaning • Bonded and Insured Cleaners
Call Us Today at 407-879-7763
www.CollegeGirlCleaningService.com catherine@collegegirlcleaningservice.com
facebook.com/CollegeGirlCleaningService
* Licensed - #153684
4 Harmony Life Magazine | July 2016
THE TRUTH AND LIES BEHIND TIMESHARES AND TAXES By Jason Flowers MBA, CFA, EA, CPA
Interest expense on the purchase of my timeshare is tax deductible… sometimes… Mortgage interest on your timeshare is potentially deductible as an itemized deduction on Schedule A. You are permitted to deduct mortgage interest on a second home, a home other than your primary home. Thus, if you own multiple timeshares you might be limited to deducting mortgage interest on one of the timeshare properties alone. It might be possible to argue that ownership of multiple weeks at one timeshare residence represents one “second home” and that the mortgage interest on these multiple timeshares can be aggregated. However, aggregating mortgage interest in multiple timeshares across multiple properties is unlikely to be allowed. One potential way to make the mortgage interest on multiple timeshares deductible is to pay off the mortgages on these timeshares with a home equity line of credit on your primary home. The interest on the home equity debt would be deductible subject to certain limits. Donating my ownership week in a timeshare is deductible… Sadly, you are afforded no tax deduction for donating your week of the timeshare to charity. So enjoy the silent auction and dinner and the warm, fuzzy feeling that you helped raise money for your favorite local charity, but do not expect a tax break when filing your return.
Donating my ownership in a timeshare is deductible… True. You will need a current appraisal if the timeshare is worth more than $5,000. Insurance appraisals are not permitted and you will have to pay for the appraisal directly, i.e. the charity cannot pay for one. Your tax deduction from the donation will be limited to the Fair Market Value as of the date of the donation based on the appraisal. All rental expenses are deductible against rental income if I rent my timeshare… Maintenance fees, property taxes, rental commissions, advertising costs, and even depreciation are deductible against rental income from renting out your timeshare. However, losses incurred in a given year are effectively limited to rental income. Expenses that create a loss create a passive activity loss that may only offset other passive activity income. Fortunately, unused losses may be carried forward to more profitable rental periods.
Timeshare offer unique tax issues. To explore these further please reach out to Herring CPA and Consultants at 407-647-7777. Visit us at www.herringcpa.com
July 2016 | Harmony Life Magazine 5
D L O S 4BR • 5.2 BATHS • 5,958 SQ FT 3332 Cat Brier Trail, Harmony FL 34773 PRICE REDUCTION - $635,900
4BR • 2.5 BATHS • 1,883 SQ FT 3424 Schoolhouse Rd, Harmony FL 34773 Solar water heater & Certified green home
OWNER WILL ALSO LEASE TO OWN
D L O S 2BR • 2 BATHS • 1,680 SQ FT 11980 Kajetan Lane, Orlando FL 32827 Located in Village Walk $265,000
4BR • 3 BATHS • 2,771 SQ FT 1495 Riviera Dr., Kissimmee, FL 34744 On the lake with own motorized boat dock Located in Regal Oak Shores $540,000
OWNER WILLING TO SALE, LEASE TO OWN
Kimberly Towe, Realtor P: 270-799-0912 The Corcoran Connection kimberlytowe@hotmail.com TheCorcoranConnection.com
6 Harmony Life Magazine | July 2016
Let YOUR home be showcased in next months Harmony Life Magazine. Call me today!
SO WHAT EXACTLY IS S.T.E.A.M.? By Dr. Mia Young
Many children enroll in preschool already knowing their ABCs, 123s, shapes and colors. While this knowledge is very relevant for little ones, it draws only on what is called rote learning. This type of learning is acquired through ongoing practice, requires correct answers, and relies heavily on memorization rather than the search for understanding. Bright Scholars recognizes the importance of both academic learning through direct instruction and intellectual learning (learning that requires critical thinking and reasoning). As a result we incorporate S.T.E.A.M. into our curriculum to address both academic and intellectual learning. S.T.E.A.M., a simple acronym representing science, technology, engineering, art and math, offers deliberate opportunities for children to investigate an idea in a variety of activities. We introduce S.T.E.A.M. with our Gifted Toddlers (age 2) to promote critical thinking and problem solving skills. Young children are natural explorers, so why not tap into their curiosity in a positive manner? Our S.T.E.A.M. lessons allow students to “learn by doing.” Each S.T.E.A.M. lesson begins with literature. Children enjoy stories about apples,
cars, or boats. Stories are then brought to life as children work in small groups with teacher guidance to explore the topics in depth. A sample S.T.E.A.M. lesson would include reading a book about boats as a precursor to building boats to learn about buoyancy. They then test their boats to see if they will float across Tupperware-made streams. The entire lesson uses the Scientific Method, but rather than asking children to make a hypothesis, we encourage them to make predictions.
To effectively implement S.T.E.A.M. with fun and excitement, our teachers engage students in “What” questions rather than “Why” questions. Why questions imply that there is only one right answer and sometimes are difficult to answer. “What” questions are great for observations and discovery. Sample “What” questions include: What do you see happening? What do you notice about ____? What is the difference between ____ and ____ ?
We utilize a plethora of resources to aid teachers in selecting S.T.E.A.M. lessons that are just right for their students. Such resources include: Teaching S.T.E.A.M. in the Early Years by Sally Moomaw, Year Round Project-Based Activities for S.T.E.A.M. by Kathryn Kurowski, and Blaze and the Monster Machines activities created by Nickelodeon and Young Minds Inspired. Each of these resources offers a variety of age-appropriate lessons with step-by-step teacher directions to lead children from questions, to predictions, to testing their predictions, to finding answers to their questions and then asking even more questions!
At Bright Scholars, our Blended Learning model uses a perfect blend of direct instruction combined with play-based/center learning, and intellectual learning. By using a variety of learning philosophies, we ensure that we tap into each child’s preferred learning style. Each type of learning is equally important and we seamlessly combine all of them rather than leaning towards just one approach. To learn more about our wonderful educational programs, please give us a call at Bright Scholars Early Learning Academy. We are always ready and willing to speak with you. 407-770-7357 www.MyBrightScholar.com
July 2016 | Harmony Life Magazine 7
Whether it’s for a persistent sore throat, a painful earache, or other ear, nose or throat condition, you can turn to Thuong Trinh, D.O. Dr. Trinh is experienced in the medical and surgical treatment of ear and hearing conditions, sinus problems, disorders of the throat, voice, thyroid and more. Dr. Trinh sees patients of all ages, has same-day appointments available and accepts most insurance plans. For an appointment, call 407-992-9229. Thuong Trinh, D.O. Board Certified in Otolaryngology
1525 Budinger Avenue • St. Cloud, FL
DON’T LET AN
EAR INFECTION
SPOIL TIMES LIKE THESE.
8 Harmony Life Magazine | July 2016 91821_STCL_Trinh_8x5_125bw.indd 1
5/31/16 10:37 AM
July 2016 | Harmony Life Magazine 9
10 Harmony Life Magazine | July 2016
DID YOU KNOW By Kerul Kassel PHD Hamony CDD Board Member
DID 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? Harmony incorporates natural and humanbuilt environments that blend in ways designed to enhance the relationships between humans and animals and maximize the benefits of their peaceful coexistence. While retaining natural areas, Harmony is part of a human-dominated landscape where our actions profoundly affect the welfare of wild animals. Our lakes and ponds are a wonderful asset for the community, in many ways. The ponds are designed primarily to collect and manage run-off, to filter and clean water, and to prevent flooding on streets, parks, and neighborhoods. Beyond that, they are also beautiful to look at and provide wonderful
habitat and resources for our wildlife. We do have alligators in a number of the ponds, so use caution when getting close to the water line—keep children and pets far from pond edges. Since the ponds were designed to detain a lot of water, their shelves are quite shallow for just a few feet, but then drop off steeply. A higher buffer of vegetation is intentionally maintained around the edges of the ponds to filter pollutants and trash from entering the ponds and is mowed down twice each year. Buck Lake and Cat Lake, each approximately 500 acres in size, are surrounded by wetlands, which provide excellent habitat for an abundance of fauna and flora. Have you gone out on Buck Lake yet? The beauty and relaxation factor are truly enhanced when you venture out on the water. In addition to taking advantage of the beautiful docks and the two boardwalks with viewing platforms onto the lake, the CDD maintains five kinds of
watercraft. There are three pontoon boats and a bass fishing boat for resident use, and if you want a bit more physical activity and adventure, there are canoes and both regular and fishing kayaks. The people-powered watercraft give you a closer view of the birds and other creatures, as well as the diverse foliage along the shoreline. There is even a series of canals on the northwest side of the lake to explore. All you need to do is complete a boat orientation course (given the 2nd and 4th Saturday each month), sign a boat use agreement, and provide a security/damage deposit. Call the CDD offices to set it up: 407-566-1935. Remember to bring your sunscreen, hat and water when you venture out, especially during the summer when the heat and reflection off the water are intense. Get out there and have a blast!
We Love Harmony Residents! Wine, gifts, paint classes and more! Stop by for a wine tasting or a sampling of our famous wine Slushies.
(321) 722-4116 Near Macy’s in the Melbourne Square Mall
www.facebook.com/WineyWenchOfMelbourne
www.WineyWench.com
July 2016 | Harmony Life Magazine 11
$1 Per Minute Dawn Piper Massage 407.692.4971
1350 Tennessee Ave St Cloud Dawn Piper, LMT MA34696
12 Harmony Life Magazine | July 2016
JUST HOW DOES THAT CDD FEE GET SET ANYWAY?? By Steve Berube, Chairman Hamony Community Development District As this is written, the first workshop to set next fiscal year’s budget is being held. That is significant because the budget, in part, sets your CDD fee. And, in recent months, there have been several requests for explanation as to how that fee gets set. Being the complex compilation that it is, detailing it in a few minutes is difficult. So, I’m taking this opportunity to explain. Note that there are multiple legal documents explaining all this and my plainEnglish viewpoints presented here are not intended to modify or run counter to any of those. As you’ll see, even my simplified version is a complex read. Your fee is comprised of two pieces: Bond Repayment and Operation and Maintenance (O&M). In the beginning, a developer sold municipal bonds to finance construction of Harmony with the proceeds of that sale going to construction costs. As it turns out, there were two bond issues, one in 2001 and the other in 2004. As soon as construction began, there was also the need for O&M, which, in the beginning, was simple, as there was very little to operate or maintain. It is important to remember that until there are 250 voters in a CDD, the developer is in control of the CDD, and therefore the money. The good news is, that until land is sold, the developer is also obligated to repay the bonds and cover the O&M costs on the unsold land. Of course, as land/homes are sold, those financial obligations begin to shift to the homeowners. So, in the beginning the budget is simple: the bond repayment, and the cost of maintaining the minimal infrastructure that exists. Divide those costs by the acreage the homeowners own at that time and your first-year fee is set with the developer paying most of the total. Fast forward a few years and now we have a few neighborhoods, a pool, splash pad, boats and dock, playground, dog park and several ponds. All of which need Operation & Maintenance, which by now, is getting to be a substantial number. Of course, there are houses in several neighborhoods all of which have slightly different features. Somehow, the O&M costs have to be divvied up in a fair manner, which, early on, was easy to figure out simply because the developer knew how much each neighborhood cost to develop. So, they took that cost, divided that number by the acreage in the neighborhood, and then divided again by the lot size, and an O&M cost was easy to figure out. Add the fixed bond cost and one had the CDD fee.
in order to provide $330,000 annually to fund the streetlight buyouts. The end result is that we will save millions of dollars long term and most residents will barely notice. Of course, the hope is that once the streetlights are paid off, O&M will be able to rise, but that increase can be financed with the savings. O&M is certain to rise because: a) things always get more expensive, and b) every new neighborhood adds additional costs but no new income. Some residents have expressed concern that their particular neighborhood is “not as nice” or “has fewer amenities” than other neighborhoods and therefore feel their fees should be less. But, the reality is that the Bond payment is assigned mainly on lot size and is fixed until payoff—or another refi should that become financially attractive. And, the O&M, again assigned mainly by lot size, is more dependent on the entirety rather than any particular neighborhood’s microcosm. Meaning, the common areas such as boats and docks, ponds, sidewalks, streetlights, pools, walking paths, parks, wide swaths of grass & playfields/parks, trees and various other maintained items make up the vast majority of the total O&M cost with any given feature or lack of feature making only a minor difference in any given neighborhood’s fee structure. One could also argue that older neighborhoods have been paying their share of the costs for a longer period of time. Having said that, it is important to remember that the cost obligations of Harmony are assigned to the lot and not to any individual owner, though the owner, at any given time, assumes the responsibility for those payments. Again, this is a complex subject and this writing, which I’ve certainly tried to keep accurate, is not intended to change or countermand any of the publicly-available documents which explain this in complex legalese. Also, please understand that your resident-controlled Board will do all we can to provide the high level of quality services you desire and deserve at the lowest possible cost. Thanks for reading this far and see you next month.
Fast forward again to the slowdown beginning in 2005-06. The second bond issue was intended to develop the east side of Harmony meaning the East Five Oaks development you see going on now. BUT—there would be no sales during the recession so the developer-controlled CDD spent that second bond issue, finishing the already existing neighborhoods, which is absolutely fine to do, but that certainly may have changed the calculations for both the bonds and O&M, though the developer remained responsible for, and has been paying the vast majority of costs related to both the bonds and O&M for East Five Oaks. Time marches on and we now have streetlights, ponds, boats, docks, fences, pools, grass, trashcans, benches, dog parks, playgrounds, restrooms and assorted other things to operate and maintain. Plus, now there are more houses scattered in more neighborhoods. By now, there are 250 voters here so the CDD is beginning the transition to resident control. Also, somewhere along the way, the cost-per-acre of development has become irrelevant, so the O&M piece of your fee is now calculated largely based on neighborhood total size divided by lot size. Of course, that cost is then added to the fixed bond cost to arrive at your annual total. As with everything in life, costs continually go up so each new neighborhood starts with a higher fixed O&M cost which explains why a 50 ft. lot in Neighborhood F has a higher cost than a similar lot in older Neighborhood B. And as new neighborhoods are added, they will start from a higher base so those O&M figures are likely to be higher as they are added. We mentioned Resident control earlier and that has provided some interesting and welcome relief in costs. The first move we made was to refinance the 2001 bonds in 2014 which lowered the interest cost from 7.25% to around 5%, thereby saving millions over the cost of the loan—ending in 2032. Of course, that lowered your bond portion but, instead of lowering fees, we moved the savings to the O&M side which, as always, had risen. So, your total fee stayed the same. We also began the process of buying out streetlight leases which are at 10.25% with more than a decade still to run on many. But more on that later. We then refinanced the 2004 Bond Issue in 2015, once again lowering the interest rate to around a blended 5% with that issue being paid off in 2036. Again, we moved the savings into the O&M and also raised the O&M a small amount
July 2016 | Harmony Life Magazine 13
JULY SCHEDULE OF EVENTS TODDLER STORY TIME Per Osceola County Library System, there will be no Toddler Story Time in July due to holiday weekend. FAMILY BIKE RIDES Every Friday: 7/1, 7/8, 7/15, 7/22, and 7/29 7:00 P.M. meet at Buck Lake parking lot (Helmets strongly encouraged) YOGA Yoga will be on the following Sundays: 7/3, 7/10, 7/17, 7/31; no yoga on 7/24 8:00 A.M. in Harmony Town Square VOLLEYBALL CLUB Every Tuesday and Thursday: 7/5, 7/7, 7/12, 7/14, 7/19, 7/21, 7/26, 7/28 6-7:00 P.M. at Lakeshore Park ZUMBA FITNESS The first 3 Mondays in July only: 7/4, 7/11, 7/18 6:30-7:30 P.M. at Harmony Community School ZUMBA TONING The first 3 Thursdays in July only: 7/7, 7/14, 7/21 6:30 P.M. at Harmony Community School HARMONY HIKE: TBD BUBBLES 2.0 CRAFT PARTY & MOVIE Saturday, July 16, 6:30 P.M. at Harmony Town Square The Good Dinosaur movie sponsored by Harmony Community Church, starts at sundown FACE PAINTING AND CRAFTS AT CHAMPIONS CHARACTER BREAKFAST Saturday, July 23 9-11:00 A.M. at Champions Courtyard CHALK AND BUBBLES Wednesday, July 27 6:00-7:00 P.M. at Lakeshore Park splash pad TEEN KICKBALL Thursday, July 28 11:00 A.M.–1:00 P.M. at Harmony Community School HARMONY RESIDENT MEET AND GREET FOR ADULTS Friday, July 29 6:30-8:30 P.M. at Lennar Model Home 14 Harmony Life Magazine | July 2016
QUICK REFERENCE DIRECTORY ACCOUNTANTS Larry Herring CPA, PA 611 N. Wymore Rd. Winter Park, FL 32789 407-647-7777 HerringCPA.com
GYM Anytime Fitness 3380 Canoe Creek Rd. Saint Cloud, Florida 34772 407-891-9111 www.AnytimeFitness.com
ACUPUNCTURE Catherine Coudray Tuesday–Friday, 9am-5pm (Sat. by appointments only) 7262 Harmony Sq. Dr. South Harmony, FL 34773 321-303-5240
HANDYMAN The Good News Handyman Rick Wade 407-468-1352
ADVERTISING & MAGAZINES Harmony and Eagle Creek Life Magazines Bill Bokunic 321-331-6398 Bill@QMWWorld.com QMCWorld.com AIR-CONDITION SERVICES Action Air & Electric 407-892-7616 ActionAirAC.com Eric Farnsworth *Harmony Resident* 407-921-0760 ELFarnsworth@live.com BANK Trustco Bank 1525 E. Osceola Pkwy. 407-932-0398
HAIR Victor Russell Salon *Harmony Resident* 105 East 13th Street Saint Cloud, FL 407-892-1005 VictorRussell.com HOSPITAL Health First-Holmes Regional Health Care 1350 South Hickory St. Melbourne, FL 32901 321-434-7000 HOUSE CLEANING College Girl Cleaning Service 407-879-7763 Catherine@ CollegeGirlCleaningService.com CollegeGirlCleaningService.com
INSURANCE Farm Bureau Michael Long 407-847-5189 CARPET CLEANING Best and Quick Carpet Cleaning floridaFarmBureau.com Diago Montes Kocher Insurance, LLC 407-509-2492 1312 Illinois Ave., Suite H Licensed and insured Saint Cloud, FL 37769 407-957-1918 CARS & TRUCKS KocherInsurance.com 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 Life Church 10:10am Sundays at Narcoossee Middle School LifeChurchCFL.com COMPUTER REPAIR I Repair PCS Efrain Rodriguez 773-865-2697 IRepairPCS.net efraincfd@gmail.com DJ SERVICES HPE House Party Entertainment 407-738-3409
16 Harmony Life Magazine | July 2016
GARAGE DOORS & OPENERS D.S.I. Sales / Service / Repairs 407-970-5847 dsigaragedoor@yahoo.com dsigaragedoorandopener.com
LAWN CARE Triple Palm Lawns *Harmony Resident* 407-957-3489 Triplepalmlawn@aim.com MORTGAGE Trustco Bank Sarah Near - Branch Manager Rebeca Escote - Assistant Branch Manager Gateway Commons 1525 E Osceola Pkwy., Ste.120 Kissimmee, FL 34744 407-932-0398 MOVIE THEATERS Cinema World
PAINTING & PRESSURE WASHING Champions Property Maintenance Joe Murray, 407-766-5051 PEST CONTROL Luv-A-Lawn & Pest Control 407-908-9139 PET GROOMING 5 Star Pet Grooming 1537 E. Irlo Bronson Memorial Hwy., Saint Cloud One 1/2 mile West of Narcoossee on 192 407-593-6911 PHOTOGRAPHER Amanda Yachmetz Photography 813-842-6473 AmandaYachmetzPhotography.com PRINTERS Creative Printing Services 1115 Pennsylvania Ave. Saint Cloud, FL 34769 407-891-9797 POOL TABLES Florida Game Rooms 9350 S. Orange Blossom Trail #12 407-859-4400 MyFloridaGameRooms.com REAL ESTATE The Corcoran Connection, LLC *Harmony Resident* Jeanine Corcoran Owner/Broker Selling/Buying/Renting/Property Management; Now serving International clients with Portuguese/ Brazilian- and Spanish-speaking team members
407-922-3308 JeanineCorcoran@gmail.com TheCorcoranConnection.com RESTAURANTS Stone Bridge Tavern The Royal Crest Room 5530 Michigan Ave. Saint Cloud, FL 34772 407-891-0903 StoneBridgeTavernAndGrill.com SCHOOLS Bright Scholars Early Learning Academy 2580 N. Narcoossee Rd. Saint Cloud, 407-770-7357 MyBrightScholars.com TIRES
East of 95 on 192 next to Sam’s Club NTA National Tire and Auto
Melbourne, FL CWTheaters.com
304 13th St., Saint Cloud, FL 407-593-2136
MUSIC LESSONS Music in Harmony Piano Lessons and Vocal Coaching by Dawn Korzen 7130 Indiangrass Harmony, FL 34773
TRAVEL Meisner Cruise and Travel *Harmony Resident* 407-738-7088 tvlwithlinda@gmail.com Facebook: Harmony Get A Way with Meissner Travel
MusicInHarmony2013@gmail.com
407-301-4561 for interview
WATER SYSTEMS Dependable Water Treatment 407-242-7150
PRSRT STD ECRWSS U.S. POSTAGE PAID EDDM RETAIL
Local Postal Customer