FLORIDA’S PREMIER COMMUNITY June 2017
MEET YOUR NEIGHBORS, THE RICHARDS FAMILY A publication of Quantum Marketing Communications, LLC
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FROM THE PUBLISHER, BILL BOKUNIC PUBLISHER & CEO WELCOME TO JUNE 2017!
A sad farewell to Christina Dalton as the Harmony Life Magazine cover photographer (due to an increase in family commitments). Christina has been with us almost since the beginning and will be missed. Welcome Melissa Ennis from Alayah Faith Photography as our new photographer.
Bill Bokunic Quantum Marketing Communications, LLC 321.331.6398 Bill@QMCWorld.com www.QMCWorld.com
Please support our advertisers! Many prospective companies would love to sell to our residents without making an investment. The price to advertise in Harmony Life Magazine is minimal, yet many try to avoid that cost and figure out ways around it. They join our social media forum to flood us with a daily barrage of ads. Others like to put up little signs (against CDD and HROA rules). When the signs get removed from Harmony property, they put them out on 192 knowing the county will “eventually” remove them but it’s out of Harmony’s jurisdiction. It’s a game that is played and is ongoing.
Harmony Life Magazine
The advertisers in Harmony Live Magazine have made an investment to reach our residents. They support bringing the magazine to everyone free of charge. They also are subject to a degree of vetting, which adds extra “peace of mind” to residents. As with anything caveat emptor (let the buyer beware) applies, but know that if an advertiser has a bad reputation or has multiple complaints, they will be removed from Harmony Life Magazine. Did you know that pizza boxes are NOT recyclable? At least the ones that have been contaminated with pizza oils or food. Google “What Can I Recycle” to see a list of items that are recyclable. I was surprised by the items I’ve been putting in the bin that are really trash (thanks to Lauren Madden for this suggestion). Until July! 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
June 2017 | Harmony Life Magazine 1
MEET YOUR NEIGHBORS: THE RICHARDS FAMILY Where did you move from? St. Cloud – Eileen is from New York and I am from Indiana. What is your background? Bob – CEO of J & N Stone, Inc. and Eileen is a retired school teacher. What is a good story about Harmony? Soon after we moved in, neighbors from our old neighborhood came to visit, they had to drive around an 8’ alligator to get to our home. What is unusual or unique about Harmony, in comparison to your previous home? Far less traffic, the beautiful homes, water parks and quiet lifestyle.
What are your names? Robert (Bob) and Eileen Richards. When did you move to Harmony? July of 2015. What street do you live on? Oak Glenn Trail. What do you love most about Harmony? The nature preserve we live in and our neighbors are awesome.
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What is your favorite weekend activity? Breakfast on our screened-in back porch listening to the nature sounds. Is there a neighbor experience you are most proud of? Eileen was in Israel recently and I had surgery on my head. Our new neighbors, Ralph and Julie Persia, brought me dinner two nights in a row. They are new to Harmony, but these are the type of people living and moving to our neighborhood.
Are there any recommendations for other neighbors? Always treat others as you would wish to be treated. Do you do any charity or non-profit work? We support a lot of different charities around the world. Locally, we support A Place for Grace, St. Cloud Cares, Grace Landing and Central Care Mission in Orlando. What do you do for fun? Movie and dinner with friends, also traveling to different states. What is the last movie that you have seen in the theatre? A Case for Christ. What is your favorite TV Show? All Hallmark shows. \What else should we know about you or your family? We are a blended family with 8 children, 23 grandchildren and 8 greatgrandchildren. Eileen and I have been married 20 years and love to travel. n
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4 Harmony Life Magazine | June 2017
FIVE SUMMERTIME PROPERTY MAINTENANCE TIPS By Jeanine Corcoran
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s summer time approaches and children, parents and grandparents plan their vacation and summertime activities, it is also a good time to look at your home and plan on performing some maintenance to ready your property for the summer. Here are five items that need attention during our hot Florida summer: 1. Air Conditioner: Changing your AC filters monthly is a must but be sure to do a maintenance check on your AC unit. Your AC unit is working extra hard to keep you cool and there is nothing worse than having your unit break down when it is balmy. 2. Sprinkler System: Be sure to turn on your sprinkler heads to ensure they are spraying all areas of your lawn and shrubs. There is a lot of stress on lawns and shrubs with the sun beating down by foreseeing any problems before they happen. Sprinkler heads are inexpensive and easy to replace and can save you hundreds of dollars. 3. Trees: Don’t forget summertime equals thunderstorms. Take the time to look at your trees and tree limbs. Trim those weak limbs so they don’t end up falling and damaging yours or your neighbor’s property.
4. Stucco: Small cracks in your stucco happens over time. Rain gets into even the smallest hair line crack and navigate its way through the concrete and into your home. It can also cause damage to your stucco. Seal those cracks to prevent damage and costly repairs. 5. Hurricane Preparedness: Hurricane Season is June 1st through November 30th. When preparing your hurricane kit, let’s not forget about your home. Be sure to reinforce your garage doors if possible, check all windows and inspect your roof. When a hurricane is coming, be sure to take in all outside items including patio furniture and plant pots. Be prepared. For many of us, summertime is all about taking a break from our busy lives and spending time with our families. Consider spending time preparing your property for the upcoming months. Your air conditioner will need a maintenance check to work efficiently, sprinkler heads should be checked to make sure they are working properly, weak tree limbs should be trimmed to prevent damage, and stucco cracks should be sealed. Lastly, check your garage door, windows and roof as we enter into our hurricane season and your most expensive investment, your home, will have a better chance of surviving our hot summer months and hurricane season with a little help from its owner – you! n
SOLD
FOR SALE
PENDING
PENDING
FOR SALE
$118,000
$249,800
$150,000
$169,000
$320,000
PENDING
FOR SALE
3555 Clay Brick Rd 6832 Sundrop St 3589 Clay Brick Rd 3306 Dark Sky Dr 7024 Buttonbush 2 Bed / 2 Bath 4 Bed / 2 Bath 3 Bed / 2.5 Bath 5 Bed / 2.5 Bath 2 Bed / 2 Bath 1316 sq ft 2155 sq ft 1855 sq ft 2943 sq ft 1240 sq ft by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran by Jeanine Corcoran
3488 Sagebrush St 3 Bed / 2 Bath 1645 sq ft by Jeanine Corcoran
$228,900
6865 Sundrop St 6 Bed / 3 Bath 2632 sq ft by Kimberly Towe
$282,500
FOR SALE FOR LEASE
SOLD
6812 Goldflower Ave 3303 Cat Brier Trl 7011 Bluestem Rd 5 Bed / 4 Bath 4 Bed / 4.5 Bath 3 Bed / 2 Bath 3519 sq ft 3092 sq ft 1798 sq ft by Kimberly Towe by Jeanine Corcoran by Jeanine & Monique
$345,000
$2,300
$199,000
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!
Harmony Social Committee
UPCOMING EVENTS JUNE
3rd -Slide into Summer - Town Square - 11am-2pm Bring your swim suits and Harmony ID for a fun filled afternoon celebrating summer!
5th - Social Committee Meeting - 6:00pm - 3306 Dark Sky Dr
17th - Father’s Day Themed Fun Run - 8am - The Estates 10am Brunch at Richmond America Model in Estates after the run Every Monday - Beach Volleyball - 6-7pm - Buck Lake Park Coming Soon *Holly Jolly Festival* *Community Yard Sale* *Harmony Block Party* *Paws in the Park* *Fall Festival*
Join our mailing list here -http://bit.ly/2mJuo4E
HARMONYSOCIALACTIVITIES@GMAIL.COM
6 Harmony Life Magazine | June 2017
Harmony Community Activities @harmonysocial
HARMONY CDD POOL ACCESS By Steve Berube, Chairman Hamony Community Development District
A
s summer approaches, pool usage is sure to increase. Over the years, access to the pools has evolved into the system CDD Field Services uses today to ensure proper decorum and reasonable user safety in the pool enclosures. Much thought has gone into the rules so that they are not cumbersome to resident users while ensuring that people who gain access are indeed legitimately there. And, as idiosyncracies are discovered, access rules are likely to evolve again. The most important feature of security is YOU. Please do not allow anyone access for any reason—even if they have a card. This is because cards can and do get deactivated for any number of reasons including rules infractions such as horseplay or drinking alcohol. Another reason is that renter cards are active only during the term of a lease, going inactive unless the lease is renewed. Cards must be obtained for everyone in a family beginning with the teen years. Kids under 16 must be accompanied by an adult; 16 and 17 year olds must have their own cards unless accompanied by an adult. 18 and over are obviously adult status so must have their own card. Note that cards are NOT family cards to be shared—meaning that if you give your teen your card, they will be asked to leave and your card might be confiscated and/or deactivated. Also, if you let your neighbor or friend use your card, said card might be confiscated/deactivated as well. All cards have a picture on themYOUR picture and the card you use must match you. Again, these rules are not intended to be obtrusive, but years of experience has led us to the current system and it works quite well. Of course, with the unprecedented
growth over the last few years, and the simple fact being that there will be no additional pools, keeping access available to only those authorized will limit crowding to the extent possible. You should expect to see blue-shirted CDD Field Services staffers passing through the enclosures on a routine basis. They are there to keep the place orderly, observe the activities with an eye toward safety, and they will be requesting to see your keycards. Of course, they will be familiar with the regular faces, so while you might get asked for your card, others might not be. Rest assured, they are not singling you out. Though staffers are available 7 days a week, sunup to sundown, they cannot be everywhere at once. To that end, should you see a problem, have an issue or need assistance with something, please call or text 407 301 2235. This number is also posted on the bulletin boards in the enclosures. “Seeing a problem” is wide ranging but might include seeing people climbing over the fence or seeing folks standing outside the gate waiting for it to be opened so they can slip in. Also, some activities like throwing a football or other hard objects in crowded areas might be troublesome; Field Services staff are there to help—call them as needed. After all this, you might ask: “how do I get a keycard?” Fairly easily. Simply visit www. harmonycdd.org and check out all the various background information regarding the CDD as well as the procedures for receiving keycards for yourself and family. Thanks for reading and have a happy,safe summer! n
June 2017 | Harmony Life Magazine 7
HARMONY DESIGN COMMITTEE APPLICATION In this month’s Harmony Life Magazine I’ve included a copy of a Harmony Design Committee Application. Should you need to repaint your house (or make any other architectural changes), you must submit this form. I highlight painting as perhaps my comments above may spur someone to action. You may ask if you’re painting the house the same color, why is approval necessary. It has happened in the past that a house has been painted without approval and in an unapproved color. The Committee does not want to perpetuate the problem color so therefore requires proposed colors to be submitted and approved. Be sure to include photos of the houses on both sides of your house as approval will not be granted that would have two houses of the identical color side-by-side. Be sure to plan well in advance of when you wish to paint. I suggest you not lock in a date for your painting contractor to begin work until you receive formal approval from the committee. One closing comment: I ƐƚƌŽŶŐůLJ ƌĞĐŽŵŵĞŶĚ that you plan to attend the Harmony Design Committee’s meeting at which your application is being considered. If the committee has any questions you will be available to answer them. I have seen a number of applications denied in the past that, had the homeowner been present to answer questions, the application would have been approved. Even if you believe your application to be a “no-brainer” and should be approved, I’ve seen denials.
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8 Harmony Life Magazine | June 2017
June 2017 | Harmony Life Magazine 9
DID YOU KNOW? By Kerul Kassel PHD Hamony CDD Board Member
D
ID YOU KNOW that Harmony was designed to promote the peaceful co-existence 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 human-built 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. One thing that affects our natural areas and our wild animals is water. As of last month, Central Florida was experiencing the worst drought in the United States, with the level was elevated to “extreme,” the driest period in
10 Harmony Life Magazine | June 2017
the last century. Our area is the headwaters for the Everglades, and airboats are now getting stuck there because of low water levels. The U.S. Department of Agriculture has designated Osceola County, as a primary natural disaster area due to drought-related losses and damage. As of the last day of May, five locks on Lake Okeechobee are now closed, as injury and lock damage could occur when boats pass through these structures at water levels below any of the designated safety limits. For our wild neighbors, drought often means they need to move to get the water they need. The smallest animals, who can’t move far, are at greatest risk. As for larger animals, it’s not uncommon for alligators, snakes or other wildlife to leave their habitats in search of water during dry periods. The drought also means more wildfires, which push animals
to move to safer places. To prevent conflicts with these already-stressed animals, keep your distance and allow them to leave the area. So far this year, according to the Florida Forest Service, fires have swept more than 70,000 acres statewide. Burn bans, which prohibit the burning of yard debris, campfires, and bonfires, have already been issued across the state. Watering has been reduced to an allowance of once per week. Be careful when barbequing, and make sure cigarettes are put out completely when smoking outside or in the car. Spring typically is Central Florida’s driest time of the year, while June often is the wettest month, so let’s hope this month brings some relief. Meanwhile, adding mulch to your planting beds helps them stay moist, good for your shrubs and animals that live in your yard. Anyone want to do a rain dance? n
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Medicaid, Trump, Taxes and Long Term Care Insurance… Connecting the Dots By Jason Flowers CPA, CFA, CFP, EA, CTFA
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pproximately 43% of people over the age of 65 will spend time in a nursing home. 55% of these people are expected to spend a minimum of 1 year in a nursing home. Nursing home care costs remain the single largest out-of-pocket health care expense for the elderly. The median annual cost of nursing home care is currently over $81,000.
Long Term Care insurance will become more relevant than ever given the current proposals in Medicaid funding and the fundamental shortcomings of Medicare in providing custodial care.
You might feel that Medicare will keep you protected. Unfortunately, Medicare is not designed to provide “custodial care.” Medicare does provide 100 days of “skilled nursing care,” with 20 days fully covered and the remaining 80 days requiring a daily copayment of $161. Unfortunately, obtaining the benefit of “skilled nursing care” is not automatic if your needs only dictate “custodial care.” Medicare is estimated to cover approximately 7% of the country’s total nursing home care costs.
1. Long-Term care insurance premiums paid by a corporation may be excluded from an employee’s income.
On a more positive note, long-term care insurance provides some of the following benefits from a tax perspective:
Surprisingly, Medicaid currently provides a whopping 61% of nursing home costs. You may feel that this is your back up plan. However, with this strategy you are forced to conform to numerous requirements to be eligible for Medicaid. Notable criteria include having countable assets not to exceed $2,000, meeting income tests, potentially sharing in the cost of the nursing home while in a nursing home and potentially being subject to look back rules if you attempted to transfer your assets to qualify for Medicaid.
Current proposals by President Trump to reduce Medicaid by $800 billion are estimated to cut Medicaid funding by almost half over the next 10 years.
If you have tax questions regarding long-term care and need additional assistance in this area, please reach out to Herring CPA’s and Consultants for a free consultation at 407-647-7777 or visit us online at www.herringcpa.com.
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2. Qualified long-term care benefits paid on a per diem/indemnity basis are income tax free to the recipient to the extent they are less than a daily maximum. The current daily maximum is $360 per day. 3. Long-term care insurance premiums can be paid with funds you have set aside in an HSA. This is a tremendous opportunity as you are basically purchasing the insurance with pre-tax income. 4. Premiums you pay for long-term care insurance may provide you with a tax deduction if you itemize.
5. Premiums paid on long-term care insurance may be 100% deductible (up to eligible amounts based on age) for self-employed individuals. n
June 2017 | Harmony Life Magazine 13
HARMONY INCIDENT REPORT — May 2017 DATE INCIDENT NATURE LOCATION CODE 05/02/2017 .............................17I041847 .....................................TRAFFIC COM 17I ............................. HABITAT DR ................................................ Z 05/03/2017 .............................17I042385......................................SUSP VEH 13V ..................................... DARK SKY DR ..............................................V 05/05/2017 .............................17I043280 .....................................ATT TO CONTACT ............................ BUTTONBUSH LOOP ................................ F 05/05/2017 .............................17I043316 .....................................SUICIDE THR 34I ............................... BRACKEN FERN DR ................................... R 05/06/2017 .............................17I043727 .....................................DIST 22I ................................................. SCHOOLHOUSE RD ................................... F 05/06/2017 .............................17I043732 .....................................NOISE COMPL 74I .............................. BUTTONBUSH LOOP ................................V 05/07/2017 .............................17I043845 .....................................BURG BUSINESS ................................. HARMONY SQUARE DR SO .................... R 05/07/2017 .............................17I043905 .....................................FALLS ..................................................... SUNDROP ST ................................................U 05/08/2017 .............................17I044379 .....................................CIVIL MATTE 66I ............................... BUTTONBUSH LOOP ................................Q 05/10/2017 .............................17I045146 .....................................ANIMAL CMPL 69I ............................ SAGEBRUSH ST ........................................... X 05/15/2017 .............................17I046746 .....................................ACCIDENT NO INJ ............................ SCHOOLHOUSE RD; HARM .................... R 05/15/2017 .............................17I046881 .....................................BURG RESD 21I ................................... LITTLE BLUE LN ......................................... X 05/15/2017 .............................17I046953 .....................................RECKLESS OP 29I ............................... OAK GLEN TRL ........................................... F 05/16/2017 .............................17I047233 .....................................OPEN DOOR 48 .................................. GOLDFLOWER AVE ...................................M 05/17/2017 .............................17I047358 .....................................CIVIL MATTE 66I ............................... BEARGRASS RD ...........................................Q 05/18/2017 .............................17I047842 .....................................PROPERTY DAMAGE ....................... BUTTONBUSH LOOP ................................ F 05/18/2017 .............................17I047950 .....................................ACCIDENT NO INJ ............................ FIVE OAKS DR; HARMON .......................U 05/18/2017 .............................17I048179 .....................................NOISE COMPL 74I .............................. SCHOOLHOUSE RD ....................................I 05/19/2017 .............................17I048309 .....................................ANIMAL CMPL 69I ............................ FIVE OAKS DR ............................................. X 05/21/2017 .............................17I048992 .....................................SHOTS FIRED 68I ............................... FIVE OAKS DR; HARMON ....................... F 05/22/2017 .............................17I049431 .....................................MISC SERVICE 18 ............................... SCHOOLHOUSE RD; HARM .................... X 05/24/2017 .............................17I050083 .....................................DIST 22I ................................................. INDIANGRASS RD ...................................... F 05/24/2017 .............................17I050085 .....................................SUSP INC 13I ........................................ PRIMROSE WILLOW DR .......................... R 05/24/2017 .............................17I050116 .....................................ROUTINE CHCK 38 ........................... PRIMROSE WILLOW DR ...................... COM 05/24/2017 .............................17I050306 .....................................CIVIL MATTE 66R .............................. SCHOOLHOUSE RD ...................................Q
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 14 Harmony Life Magazine | June 2017
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
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
QUICK REFERENCE DIRECTORY ACCOUNTANTS Larry Herring CPA, PA 611 N. Wymore Rd. Winter Park, FL 32789 407-647-7777 HerringCPA.com
GARAGE DOORS & OPENERS D.S.I. Sales / Service / Repairs 407-970-5847 dsigaragedoor@yahoo.com dsigaragedoorandopener.com
ACUPUNCTURE Catherine Coudray Monday–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 Life and Nona Woman Magazines Bill Bokunic 321-331-6398 Bill@QMCWorld.com QMCWorld.com AIR-CONDITION SERVICES Access Air Eric Farnsworth *Harmony Resident* 407-921-0760 ELFarnsworth@live.com ATTORNEYS Overstreet, Miles, Cumbie & Finkenbinder, P.A. 100 Church St., Kissimmee, FL 34741 407-847-5151 OMCFLaw.com BANK Trustco Bank 1525 E. Osceola Pkwy. 407-932-0398 CARS & TRUCKS Kisselback Ford 1118 13th St., Saint Cloud 407-892-2141 KisselbackFord.com CHURCHS Harmony Community Church Meeting 10am Sundays at Harmony High School (844) 444-FBCH HarmonyCommunity.church COMPUTER REPAIR I Repair PCS Efrain Rodriguez 773-865-2697 IRepairPCS.net efraincfd@gmail.com CPA Herring Certified Public Accountants & Consultants Larry J. Herring, CPA, PA 611 North Wymore Road, Ste 100, Winter Park, FL 32789 407-647-7777 HerringCPA.com
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FINANCIAL ADVISORS Edward Jones Kerry L. Scott 4725 Old Canoe Creek Rd., St. Cloud, FL 34769 407-498-0147
HAIR Victor Russell Salon *Harmony Resident* 105 East 13th Street Saint Cloud, FL 407-892-1005 VictorRussell.com HOME BUILDERS Jones Homes USATM Twin Lakes 4910 Twin Lakes Blvd., St. Cloud, FL 34772 407-988-3222 TwinLakesFL.com HOME INSPECTORS Budget Services 407-892-8811 HOSPITAL Health First-Holmes Regional Health Care 1350 South Hickory St. Melbourne, FL 32901 321-434-7000 HOUSE CLEANING Molly Maid of Kissimmee, St. Cloud & Lakeland 407-498-2256 MollyMaid.com INSURANCE Brightway Insurance, The Sterner Agency 407-891-9361 Kocher Insurance, LLC 1312 Illinois Ave., Suite H Saint Cloud, FL 37769 407-957-1918 KocherInsurance.com LAWN CARE Triple Palm Lawns *Harmony Resident* 407-957-3489 TriplePalmLawn@aim.com MORTGAGE Trustco Bank Sarah Near - Branch Manager Gateway Commons 1525 E Osceola Pkwy., Ste.120 Kissimmee, FL 34744 407-932-0398 MOVIE THEATERS Cinema World
MUSIC LESSONS Music in Harmony Piano Lessons and Vocal Coaching by Dawn Korzen *Harmony Resident* 7130 Indiangrass Rd. Harmony, FL 34773 MusicInHarmony2013@gmail.com
407-301-4561 for interview PAINTING & PRESSURE WASHING Champions Property Maintenance *Harmony Resident* Joe Murray, 407-766-5051 PEST CONTROL Bugs-B-Gone 407-891-1964 BugsBGoneFL.com Luv-A-Lawn & Pest Control 407-908-9139 PHYSICIANS St. Cloud Medical Group 1700 E. Irlo Bronson Memorial Hwy., St Cloud, FL 407-891-2965 StCloudPhysicians.com PHOTOGRAPHY Alayah Faith Photography Melissa Ennis 321-682-6123 AlayahFaithPhotography@ yahoo.com PRINTERS Creative Printing Services 1115 Pennsylvania Ave. Saint Cloud, FL 34769 407-891-9797 Lucky Dog Printing *Harmony Resident* 1404 Hamlin Ave., Ste. F St. Cloud, FL 34771 407-593-6984 REAL ESTATE The Corcoran Connection, LLC *Harmony Resident* Jeanine Corcoran Owner/Broker Buy/Sell/Rent/Property Mgmt. 407-953-9118 TheCorcoranConnection.com RESTAURANT Champions Grill 7251 Five Oaks Dr. Harmony, FL 34773 407-891-8525 TRAVEL Meisner Cruise and Travel *Harmony Resident* 407-738-7088 tvlwithlinda@gmail.com Facebook: Harmony Get Aways With Meissner Travel
East of 95 on 192 next to Sam’s Club WATER SYSTEMS
Melbourne, FL CWTheaters.com
Dependable Water Treatment 407-242-7150