Woman NONA
June 2017
JENNIFER R. BONDY, ESQ. ATTORNEY AT LAW OVERSTREET, MILES, CUMBIE & FINKENBINDER, P.A.
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EQUAL HOUSING
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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 THE JUNE ISSUE OF NONA WOMAN. We are growing and looking to add to our staff. Please message me directly if you or anyone you know has any interest in the following: • Article contributors: Local, community-based content and articles. • Suggestions for prominent Nona area woman for the cover. • Commissioned sales people
Woman NONA
PUBLISHER
Jeanine Corcoran Quantum Marketing Communications, LLC 321.922.3308 Jeanine@TheCorcoranConnection www.NonaWoman.com Nona
Together we will build a great local magazine with the kind of information we can’t get from other places. Jeanine Corcoran Jeanine@thecorcoranconnection.com
June 2017 | Nona Woman Magazine 1
ON THE COVER: JENNIFER R. BONDY, ESQ.
T
his month we spotlight our friend and cover company, Jennifer R. Bondy, Esq., Attorney at Law at Overstreet, Miles, Cumbie & Finkenbinder, P.A. Please tell the readers about the your business: Overstreet, Miles, Cumbie & Finkenbinder, P.A. is the oldest operating law firm in Osceola County. We currently have five attorneys specializing in a variety of practice areas,
2 Nona Woman Magazine | June 2017
including Residential and Commercial Real Estate, Immigration, Probate, Estate Planning, Business and Corporate Law, and Civil Litigation. Can you describe the “culture” or “philosophy” with your business? Our firm has always fostered a culture promoting community involvement. Our managing partner, Tim Finkenbinder, is the Chair-Elect for the Kissimmee/Osceola Chamber of Commerce, and I am currently serving as the Secretary of the Board for the St. Cloud Chamber of Commerce. We also volunteer and sponsor several local non-profit organizations. Can you tell us a little history of your company? Why did you choose to target the “Nona” area? Being founded in 1928 has allowed us to develop deep roots in the community. With so much growth in the Lake Nona area, we want to focus on establishing new relationships with the residents who may not be familiar with the history of our firm.
Why should/would a resident from Lake Nona use your company? I feel that our continued presence in the community for over 85 years should instill confidence in Lake Nona residents that our firm has the knowledge and skills to be successful in this market. It’s important to know that we’re here to stay! As a woman business leader, any advice for another woman? My advice to women in business is to let your voice be heard. Too often, women choose not to give their opinion in order to avoid confrontation, but I think we all benefit when women have the courage to speak up. Anything else you would like to mention or highlight? The attorneys in our firm are always interested in speaking engagements. If the Nona Woman’s readers would like to invite any of our attorneys to give a presentation focused on a legal topic, please contact us at info@omcflaw.com. n
4 Nona Woman Magazine | June 2017
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.
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 | Nona Woman Magazine 5
BUSINESS SPOTLIGHT: KISSELBACK FORD T
his month we spotlight our friends and major supporter Kisselback Ford!
Kisselback Ford, (Bobby Kisselback) have supported our magazines for the past year and really help me bring the publications to you! The following is a conversation with Bobby Kisselback: What makes your business unique? Critically important is our team’s appreciation that the customer chose us. There are so many choices to buy and or service a vehicle in today’s market. We truly appreciate that we were provided an opportunity and I believe it is clearly noticed by the guest. Can you describe the “culture” at the dealership? I think we are relaxed; we pride ourselves on our team members being “nice” people and every customer leaves with a thank you. “Be real, be nice and say thank you.”
Bobby Kisselback
Can you tell us a little history on the dealership? We purchased the dealership in June of 2011, six years now. Saint Cloud was simply where the opportunity was. With that said, it has been a great location. The people in the community have been wonderful and welcoming. The market and the surrounding area is growing at a rate that exceeds many other areas throughout Florida. I know numerous people who have bought many Fords at your dealership for generations. What do you attribute that degree of loyalty? Our people. Loyalty is always about the people. I believe that our customers remember and like how they were treated. I know you support many local charities and organizations, are there any you care to mention or discuss? We pride ourselves on our ability to give back to the community. We are able to help many organizations throughout the years, but our primary focus is with the Education Foundation, the local schools and breast cancer. It’s also a family affair. My wife, Sherri, and our lab, Joie (therapy dog), spend a lot of time at Nemours and at the Edgewood Boys and Girls Ranch. Joie is a comfort to many, many kids. I am also proud to say that we just started a Facebook program where we will honor a Veteran monthly and in his or her name donate monies monthly to Hero’s and Horses. Anything Else you would like me to mention or highlight? I look forward to coming to work every day. The sales team knows their stuff and works well together. Our Service and Parts teams are exceptional. I would put our technicians up against any in the industry. They are well trained and work really hard every day. Lastly, a lot of our growth over the years has come from customer referrals. People are talking well about us, either face to face or by way of the 100’s of reviews that they are posting on the Internet. It’s awesome. Thanks again to Bobby Kisselback and Kisselback Ford for helping us bring you the publication. n Kisselback Ford www.kisselbackford.com 1118 13th Street • St. Cloud Florida 34769 407-892-KISS (5477)
6 Nona Woman Magazine | June 2017
FIVE SUMMERTIME PROPERTY MAINTENANCE TIPS By Jeanine Corcoran
A
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.
FOR SALE
4575 Kissimmee Park
3 Bed / 2 Bath 10.36 acres by Jeanine Corcoran
$992,000
FOR SALE
5940 W. Nova Rd 9 Bed / 5 Bath 5302 sq ft by Dennis Hogan
$500,000
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
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 is Barbara Corcoran’s sister from ABC’s SHARK TANK. Jeanine can be reached at 407.922.3308, email her at Jeanine@TheCorcoranConnection.com, or visit TheCorcoranConnection.com
FOR SALE
1389 S. Lake Ave 4 Bed / 3 Bath 2800 sq ft by Dennis Hogan
$589,999
FOR SALE FOR LEASE
8932 Tavistock Lakes 3303 Cat Brier Trl 4 Bed / 3 Bath / Pool 4 Bed / 4.5 Bath 3092 sq ft 2705 sq ft by Dennis Hogan by Jeanine Corcoran
$375,000
$2,300
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!
June 2017 | Nona Woman Magazine 7
BUSINESS SPOTLIGHT: THE CORCORAN CONNECTION Corcoran Connection is one of the fastest growing local real estate companies in Greater Orlando. Here are a few questions and answers with Jeanine Corcoran:
Lake Nona Team Kimberly Towe and Dr. Dennis Hogan
T
he Corcoran Connection is a local real estate company with a “big” national connection. The broker, Jeanine Corcoran, is sister to Shark Tank’s Barbara Corcoran. Barbara made her mark in the business world with The Corcoran Group, the premier New York real estate company, which she sold a few years ago. A little known fact is that Jeanine and Barbara’s parents lived in our area until their deaths back in 2012. Jeanine made her mark as the “Short-Sale Queen” of Orlando, handling hundreds of the toughest real estate transactions imaginable. She transitioned her business to a more local Harmony/Nona focus in 2014 and now the
What makes your business unique? We are a local, privately owned and operated, full service real estate company offering all areas of your real estate needs and property management services. Our aggressive cuttingedge marketing plan, paired with our dynamic agents, makes our service stand out above the rest! We live here, play here and work here and are part of the quality growth in our region. Can you describe the “culture” or “philosophy” with your business? We’re not just a real estate company—we are a relationship company. For over 11 years, we’ve helped buyers and sellers achieve success, and we’ve built relationships along the way. Our accessibility and work ethic have earned us the trust of each and every client. And while we’re proud of our success, we by no means take it for granted! We continue to give it our all every day to honor our community and the people within it!
I know numerous Lake Nona neighbors use your services. What do you attribute your success and loyality? The fact our “Lake Nona Team” is experienced and knowledgeable of the area. Dr. Dennis Hogan’s Lake Nona experience comes from his extensive knowledge of the Lake Nona Medical City of Orlando and all it has to offer. His record of sales in the area started seven years ago in the exclusive community of Lake Nona Country Club. Kimberly Towe brings her experience working with Lake Nona Title and is tied to the area with her family and friends currently living in Lake Nona Country Club. Anything else you would like to mention or highlight? Our property management is second to none. We offer a unique service that allows us to visit each property every month. We also treat tenants like they are our next customers. A happy tenant and a looked after property equals superior service and a happy home owner! Please visit us in our new location in the 1400 block of S. Narcoossee Rd., St Cloud, FL. Q
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WONDER WOMAN – A MOVIE YOU HAVE TO SEE
I
By Kim Kirsch
f you’re like most people, you remember the DC comic book character, Wonder Woman. You may also remember the television series of the same name, starring Lynda Carter. In a rumored effort to bring back the Justice League, DC comics continues (some would say begins) this quest with the story of Wonder Woman; how she came to be, grew up, trained and prepared to save the world.
Menalippe, raise her, and by the time she is a teen (Emily Carey), Diana shows a great ability to fight, but still needs more work.
To do this, DC and Warner Bros. utilized Gal Gadot as Diana of Themyscira (Wonder Woman), and tells the story in a manner that includes a lot of action, but not so much that the story is buried and hard to follow. That being said, there is some lag time between fights and the plot. This brings a more human nature to Diana, who DC changed from the daughter of Aphrodite to the daughter of Zeus.
She learns about the war from Steve and feels that it is her duty to return with him to stop the war by killing Ares (The God of War). Knowing that she can never return to Amazon, she goes with Steve to London, although Diana and Steve seem to have different reasons for going into battle.
Screenwriter, Allan Heinberg, and his storywriters take us on a journey that begins with Diana in an office during WWII where she receives a briefcase. When she opens it, the story is transported back to WW1. An 8-year-old Diana (Lilly Aspell) already shows her willingness to fight, serve and save the world. Her mother, Hippolyta, and her aunts, Antiope and
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As a young woman, Diana (Gal Gadot) meets Steve (Chris Pine), a spy in the war, under dire circumstances. She knows what a man is, but because she was raised on a refugee island with the other Amazons, she had never seen one before.
As the story continues, Diana learns what the world is really like outside of her sheltered upbringing of the Amazon. One of the most endearing scenes is when she is outfitted with “worldly” women’s clothing. Diana and Steve meet up with a band of misfits (so to speak) to find a not-so-ordinary chemical plant so that it can be destroyed, but Diana’s main target is Ares, as she believes it is her duty to kill him so that all wars will end.
Along the way, Diana shows her strength as a demigoddess but also shows her humanity as she struggles to get through the heartache that love and loss brings, as well as her innocence in the ways of the world and the fragile nature of mankind. n Rated PG-13, 141 minutes Cast: Gal Gadot, Chris Pine, Robin Wright, Connie Nielsen, David Thewlis, Danny Huston, Elena Anaya, Ewen Bremner, Lucy Davis, Saïd Taghmaoui, Eugene Brave Rock, Lilly Aspell, Lisa Loven Kongsli, Ann J. Wolfe, Ann Ogbomo, Emily Carey Production companies: RatPac-Dune Entertainment, Tencent Pictures, Wanda Pictures, Atlas Entertainment, Cruel and Unusual Distributor: Warner Bros. Director: Patty Jenkins Screenwriter: Allan Heinberg; story: Zack Snyder, Allan Heinberg, Jason Fuchs based on characters from DC Producers: Charles Roven, Deborah Snyder, Zack Snyder, Richard Suckle Executive producers: Stephen Jones, Geoff Johns, Jon Berg, Wesley Coller, Rebecca Steel Roven, Steven Mnuchin Director of photography: Matthew Jensen Production designer: Aline Bonetto Costume designer: Lindy Hemming Editor: Martin Walsh Composer: Rupert Gregson-Williams Visual effects supervisor: Bill Westenhofer Casting: Lora Kennedy, Kristy Carlson, Lucinda Syson
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 | June 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 HOME INSPECTIONS Budget Services 407-892-8811 HOSPITAL Health First-Holmes Regional Health Care 1350 South Hickory St. Melbourne, FL 32901 321-434-7000 HFortho.org HOUSE CLEANING Maid Easy Cleaning Service 407-709-3640 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
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 PEST CONTROL Bugs-B-Gone 407-891-1964 BugsBGoneFL.com 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 PRINTERS Creative Printing Services 1115 Pennsylvania Ave. Saint Cloud, FL 34769 407-891-9797 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