Woman NONA
July 2017
FRANCHESCA BELL-PASQUARELLA A WOMAN TO WATCH Photo by Mark Russell
A publication of Quantum Marketing Communications, LLC
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
FROM THE PUBLISHER, JEANINE CORCORAN WELCOME TO NONA WOMAN MAGAZINE! Our publication is of the women, by the women and for the women of the Lake Nona area including the Narcoossee corridor. I’m Jeanine Corcoran, and I own the Corcoran Connection Real Estate and Property Management Company on Narcoossee Road. You may know my sister, “Shark Tank’s” Barbara Corcoran. You may not know that a lot of our family live in the area, including our parents before they passed a few years ago. In fact, Barbara just invested in a local Saint Cloud company that was recently featured on “Shark Tank.” We will be featuring prominent area women every month and need your help. Please message me with any suggestions for the cover. We also need regular contributors, so please message me if you are interested in that as well. Barbara (left) and Jeanine Corcoran
Thank you! Jeanine@thecorcoranconnection.com
Woman NONA
PUBLISHER
Jeanine Corcoran Quantum Marketing Communications, LLC 321.922.3308 Jeanine@TheCorcoranConnection www.NonaWoman.com Nona
For All Your Printing Needs. Promotional Items Too! Color Copies • Business Cards Forms • Flyers • Brochures Folders • Letterhead • Post Cards Newsletters • Door Hangers Rack Cards & More
CREATIVE PRINTING
407-891-9797 1115 Pennsylvania Ave. • Downtown St. Cloud
July 2017 | Nona Woman Magazine 1
COVER STORY
A WOMAN TO WATCH IN LAKE NONA By Kim Kirsch
I
n 2006, 8-year-old Franchesca Bell-Pasquarella walked into a local inline speed skating practice and wanted to try it. Getting the proper equipment together, she began to embark on a career that would take her further than she could even imagine at such a young age. As the years progressed she skated with Olympians Brittany Bowe, Joey Mantia (both from Ocala, FL), Short Track Olympian Emily Scott (now a resident of Saint Could, FL), and her local friend and Olympic Hopeful, Briana Kramer (born in Orlando, but now calls Harmony her Florida home). Skating with these greats, and with some incredible coaching from Jaime Anderson, Greg Daily, Doug Deboy, Renee Hildebrand, Jorge Botero, and her mom Stephanie Pasquarella, Franchesca would soon find herself bringing home medals from national and world championships for inline speed skating. In fact she has been to the world championships four times and has a collection of Gold, Silver and Bronze medals to show for her efforts. She has won the indoor national championships five times and has 20 outdoor national wins in various races.
Franchesca Bell-Pasquarella
PHOTOS COURTESY OF STEPHANIE PASQUARELLA
In the midst of all this, Franchesca’s dream of Olympic glory grew deeper. She began adding Short Track speed skating to her training and competition line up. Coached here locally by Doug Deboy, it was evident that Franchesca had talent on ice as well as the wood and road that she skates inlines on. Through a lot of hard work and tough decisions, Franchesca has made the move to Salt Lake City, Utah where she is now training for the 2018 Winter Olympic Games, for Short Track or Long Track Speed Skating. Who knows, with her dedication, talent and determination, she could be a skater in America who could win a bid on both teams. Franchesca has already represented the USA on the ice during Jr. World events overseas, and is well on her way to more World Team and World Cup team spots. Franchesca finds herself right at home in Salt Lake City with many of the same skaters that she trained and raced with right here in Central Florida. 2 Nona Woman Magazine | July 2017
Brittany Bowe and Joey Mantia are working on their second spot on the Olympic Team, while Briana Kramer is trying for her first right along with Franchesca. Be sure to catch Franchesca’s Olympic Trial races this December and January. Keep an eye on
NBC for times and dates when you can watch all the Short Track and Long Track Speed Skating Olympic Trial events. n
SEP IRAs versus SIMPLE IRAs… NOT always so “SIMPLE” By Jason Flowers CPA, CFA, CFP, EA, CTFA
S
elf-employed individuals have a number of options available to save for retirement aside from the common options of a Traditional IRA or ROTH-IRA. Two options are explored in this article, SEP-IRAs and SIMPLE IRAs. Let review some basic characteristics of both options. We will conclude with an illustration.
Simplified Employee Pension (SEP) IRA
SEP-IRAs are an ideal option for the self-employed “one-person” show. If you are the only person in the business, then you are effectively the “employer” and “employee.” These plans do not allow “employee” contributions, instead they permit “employer” contributions to all eligible employees on a non-discriminatory basis, i.e. contributions are made by the employer in a manner that does not benefit some employees in the plan more than others. Thus, these plans are not always ideal if you are self-employed with employees and have a desire to save more in your retirement account
than you fund relative to your employees. Contributions are allowed to be as much as 25% of your net earnings from self-employment up to $54,000 for 2017. The 25% limit, however, might be a potential drawback if you are trying to maximize contributions to the plan and have limited net selfemployment income as you are just starting your self-employed business but still have other taxable income (this will be illustrated below). SEPIRAs do provide significant flexibility as you are not required to contribute every year and you may vary the percentage contributed each year.
Savings Incentive Match Plan for Employees (SIMPLE IRA Plan)
Simple IRA Plans allow you to contribute all of your net earnings from self-employment in the plan up to $12,500 plus an additional $3,000 if you are 50 or older, plus either a 2% fixed contribution or 3% matching contribution (if the SIMPLE plan is through an employer).
SEP-IRA versus SIMPLE IRA (Illustration) The following illustration will demonstrate that a SIMPLE IRA plan might be a better option to save on your taxes even though the contribution limits are technically smaller than a SEP-IRA: Assumptions: You are 51 years old and employed with W-2 wages of $80,000 (and no retirement account at work) and start a side business (without employees) with net earnings from self-employment of $30,000. Your goal is to maximize contributions to your retirement account to help minimize your Adjusted Gross Income and, ultimately, minimize taxes. 1: Maximum contribution SEP-IRA 2: Maximum contribution SIMPLE IRA
= $30,000 x 25% = $12,500 + $3,000
= $7,500 = $15,500
1: AGI (SEP) 2. AGI (SIMPLE)
= $80,000+$30,000-$7,500 = $80,000+30,000-15,500
= $102,500 = $94,500
The SEP-IRA leaves you exposed to $8,000 more taxable income than the SIMPLE IRA in this illustration. Assuming a federal income tax rate of 25% you would be subject to an additional $2,000 (=$8,000 x 25%) in taxes. As your net self-employment income rises, a SEP-IRA will become the preferred route as it will allow you to save 25% of net self-employment income up to $54,000 which will exceed the $15,500 savings permitted by a SIMPLE IRA, however, just starting out… a SIMPLE IRA would be the preferred route. n
Larry Herring CPA and Consultants is available if you would like to explore saving taxes while you save for retirement. Visit us online at www.herringcpa.com or call at 407-647-7777 to set up a free consultation.
4 Nona Woman Magazine | July 2017
COURTESY OF VICTOR RUSSELL SALON
BUSINESS SPOTLIGHT: VICTOR RUSSELL SALON
T
his month we spotlight our friends and supporters Victor Russell Salon. Joe Silvestri and Victor Russell salon have supported our magazines for the past 3 years and really help me bring the publications to you! The following is a conversation with Joe Silvestri: What makes your salon and business? Victor Russell Salon is dedicated to superior service and personal attention in an intimate and relaxed atmosphere. Our focus is to provide our valued clients with unsurpassed excellence in every aspect of hair care and beauty while attending to each client’s individual concerns and style. We achieve this high standard of service with our professionally TXDOL¿HG WHDP DQG WKHLU FRQWLQXLQJ HGXFDWLRQ Can you describe the “culture” at the salon? When our clients walk through the door, they are greeted like an old friend that has come to visit. The atmosphere is kept light and friendly and many of our clients enjoy the “comic” relief from the staff.
Can you tell us a little history of the business? Myself and Rick (Victor Russell Villard) moved to Florida from NY in December of 2005. Rick trained in Europe, New York and Los Angeles. His many accomplishments included magazine work, Ford modeling DJHQF\ DQG LQGHSHQGHQW ¿OP +H VXFFHVVIXOO\ GHYHORSHG DQG PDQDJHG his own makeup line called Victor Russell Cosmetics, Inc. since 1995. His success as a makeup artist and hairstylist is what brought Victor Russell Salon to the level of excellence it is known for. This past January we lost Rick to cancer but his talented staff carries his legacy on today. I know many people are extremely loyal to your salon. What do you attribute that degree of loyalty? They are treated more like family than clients and the level of talent from the staff in the salon is what keeps them happy and loyal. I know you support many local charities and organizations, are there any you care to mention or discuss? One charity I hold very close to my heart is Vanessa Echol’s from channel 9 news “Compasionate Hands and Hearts Breast Cancer Outreach.” Anything Else you would like me to mention or highlight? On a personal note, I would like to thank this amazing community that reached their hearts out to Rick and I during his battle with cancer. I want to thank everyone from the bottom of my heart.
MYRTLES
unique gifts. fresh. inspiring. unexpected. #doitdowntownstcloud
1117 Pennsylvania Ave. • Downtown St. Cloud 6 Nona Woman Magazine | July 2017
Thanks again to Joe Silvestri and Victor Russell salon for helping us to bring you the magazine. Q
Victor Russell Salon (407) 892-1005 105 E. 13th St., • St Cloud, FL 34769 www.VictorRussell.com
MAKE YOUR MOVE, WITH A PLAN By Jeanine Corcoran
Y
ou’ve waited a long time for your dream home and now your contract has been accepted and your closing date is set, now what? It’s time to make your move, with a plan.
First things first. Will you hire a company to pack up all your belongings or do you have time to pack yourself? If you choose to hire a company to do it, be sure to be there to supervise on the packing day. Your dream home, if it is not a new home, will need to be cleaned prior to move in day. The previous owner may not leave the home immaculate. If time allows, have your home professionally cleaned including the windows. You don’t want to be placing your furniture and boxes on to dirty floors. You’ll be thankful you did that on the moving day! When the movers arrive to your dream home, have a plan. That’s right, draw an actual plan of where you’d like the furniture and boxes placed in each room. Also, plan to be the supervisor as the furniture arrives. Moving can be exciting and stressful at the same time but having a plan can help the process go more smoothly. Planning will help you settle in more quickly and what better way to help you enjoy your new home than to have a plan! n
FOR SALE
4575 Kissimmee Park
3 Bed / 2 Bath 10.36 acres by Jeanine Corcoran
$550,000
PENDING
5940 W. Nova Rd 9 Bed / 5 Bath 5302 sq ft by Dennis Hogan
$500,000
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 Jeanine@TheCorcoranConnection.com, or visit TheCorcoranConnection.com
PENDING
PENDING
FOR LEASE
$322,800
$375,000
$2,300
4914 Raylene Way 5935 Winchester Isle 3303 Cat Brier Trl 4 Bed / 2 Bath 4 Bed / 3 Bath / Pool 4 Bed / 4.5 Bath 3092 sq ft 2243 sq ft 2705 sq ft by Jeanine Corcoran by Dennis Hogan 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!
July 2017 | Nona Woman Magazine 7
BUSINESS SPOTLIGHT: MOLLY MAID OF ST. CLOUD Brand. There are over 300 locally owned Molly Maid franchises in the U.S.
Tim and Thu Hien Rasner
Can you describe the “culture” or “philosophy” with your business? It all starts with relationships. Of course we focus on great quality cleaning, but just as important to us is our approach to and delivery of customer service. We pride ourselves on the ability to provide a customized personal cleaning service and being responsive to our customers’ specific needs. We want our customers to be with us for the long haul.
Can you tell the readers a little about your company? Molly Maid of St. Cloud is a residential cleaning franchise. Each franchise is independently owned and operated. My wife Hien and I opened this Molly Maid in September of 2014. Today we have 8 cleaning teams in the field and one customer service representative in our office. What services do you offer? We specialize in recurring residential cleaning services for our customers. We also do “One Time Special Occasion” cleans as well as “Move-In and Move-Out” cleans. We can
Why should/would a resident from Harmony use your company? As mentioned before, we are a locally owned company and we actually live in St. Cloud so we have a vested interest in being the premier residential cleaning company in the area. We already have a number of customers in the Harmony area, so checking our references should be easy to do. Anything else you would like to mention or highlight? All of our teams are fully trained, bonded and insured to give our customers peace of mind. We provide a service that is guaranteed with a team of your choice arriving in logo’ed vehicles. If you need us for any reason there is always someone to take your call and handle whatever request or issue at hand. n FOR MORE INFORMATION: Molly Maid of Kissimmee, St. Cloud & Lakeland 407-498-2256 MollyMaid.com
PHOTOS COURTESY OF TIM RASNER
Can you tell us a little history of your company? The Molly Maid franchise has been around for over 30 years originally founded in Canada. We are part of the Dwyer Group of home services companies and part of the Neighborly
Why did you choose to target the “St. Cloud” area? We were offered a couple different territories from the Molly Maid franchisor. Two main factors for choosing our current territory are: 1. Osceola county, being one of the fastest growing counties in the U.S., is great for future growth for our business and 2. We wanted to live close to our office and we really like the small town feel of St. Cloud.
clean the entire home or create a customized cleaning plan based on the individual customer’s specific needs and budget.
8 Nona Woman Magazine | July 2017
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 Monday–Friday, 8am-5pm 1716 East Irlo Bronson Hwy. CoudrayAcupuncture.com 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 ATTORNEYS Overstreet, Miles, Cumbie & Finkenbinder, P.A. 100 Church St., Kissimmee, FL 34741 407-847-5151 OMCFLaw.com CARS & TRUCKS Kisselback Ford 1118 13th St., Saint Cloud 407-892-2141 KisselbackFord.com 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 FINANCIAL ADVISORS Edward Jones Kerry L. Scott 4725 Old Canoe Creek Rd., St. Cloud, FL 34769 407-498-0147 GARAGE DOORS & OPENERS D.S.I. Sales / Service / Repairs 407-970-5847 dsigaragedoor@yahoo.com DSIGarageDoorAndOpener.com GRAPHIC & WEB DESIGN Blair Creative Group, Inc. Renée Blair 321-972-3669 BlairCG.com Energy Graphics Shannon Danford 407-267-6300 Energy-Graphics.com
12 Nona Woman Magazine | July 2017
HAIR Victor Russell Salon 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
MUSIC LESSONS Music in Harmony Piano Lessons and Vocal Coaching by Dawn Korzen 7130 Indiangrass Harmony, FL 34773 MusicInHarmony2013@gmail.com
407-301-4561 for interview PAINTING & PRESSURE WASHING Champions Property Maintenance Joe Murray 407-908-9139 Fitzgerald Painting, Inc. Don Fitzgerald 407-908-5471 dfp8028@aol.com ORTHODONTIST Lach Orthodontic Specialists 407-499-4265 Lach-Ortho.com
HOME INSPECTIONS Budget Services 407-892-8811
PEST CONTROL Luv-A-Lawn & Pest Control 407-908-9139
HOSPITAL Health First-Holmes Regional Health Care 1350 South Hickory St. Melbourne, FL 32901 321-434-7000 HFortho.org
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
HOUSE CLEANING Maid Easy Cleaning Service 407-709-3640
PRINTERS Creative Printing Services 1115 Pennsylvania Ave. Saint Cloud, FL 34769 407-891-9797
Molly Maid of Kissimmee, St. Cloud & Lakeland 407-498-2256 MollyMaid.com INSURANCE Brightway Insurance, The Sterner Agency 407-891-9361 BrightwaySterner.com Kocher Insurance, LLC 1312 Illinois Ave., Suite H Saint Cloud, FL 37769 407-957-1918 KocherInsurance.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 East of 95 on 192 next to Sam’s Club Melbourne, FL CWTheaters.com
Lucky Dog Printing 1404 Hamlin Ave., Ste. F St. Cloud, FL 34771 407-593-6984 REAL ESTATE The Corcoran Connection, LLC Jeanine Corcoran, Owner/Broker Buy/Sell/Rent/Property Mgmt. 407-953-9118 TheCorcoranConnection.com RESTAURANT Nona Tap Room 9145 Narcoosee Rd. 407-440-4594 NonaTapRoom.com TRAVEL Meisner Cruise and Travel 407-738-7088 tvlwithlinda@gmail.com Facebook: Harmony Get A Way with Meissner Travel WATER SYSTEMS Dependable Water Treatment 407-242-7150