Common SUMMER 2011
The professional provider of education, advocacy and resources for Community Associations
From the Stone Age to The Technological Revolution Technology trends in SECURITY & ENTRY SYSTEMS page 11 CYBER savvy page 14 First annual BOWLING TOURNAMENT page 21
COMMON ASSESSMENT MAGAZINE • SUMMER 2011
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2011 EVENT CALENDAR All dates, times and locations subject to change. Please visit our website, www.cai-sd.org, for an updated calendar.
J A NUARY 13-15
20-22
Community Association Law Seminar Las Vegas, NV PMDP M-100 Course The Essentials of Community Association Management
February 4 Trade Show Legal Update 2011 DoubleTree Hotel, Mission Valley 26
Essentials of Community Association Volunteer Leadership – Courtyard by Marriott
M ARCH
2 Morning Educational Program: Earthquake Preparedness Courtyard by Marriott 2 Afternoon Educational Program: Earthquake Preparedness Sheraton, Carlsbad
APRIL
J U LY
10-11 Legislative Day at the Capitol Sacramento, CA
16
6 Annual Educational Conference DoubleTree Hotel Mission Valley TopicsTBA
MAY
4-7 CAI National Conference Boca Raton, FL
11 Morning Educational Program: ADR/IDR Courtyard by Marriott 20
Monte Carlo Night Sea World
JUNE
18
Board Fundamentals Courtyard By Marriott San Diego Spectrum Center
11 Bowling Tournament Mira Mesa Bowl
25 CID Law Course Courtyard by Marriott
23-25 CEO-MC Retreat Salt Lake City, UT
31-April 1 PMDP M-206 Course – Financial Management
2
25
Board Fundamentals Melrose Event Center Vista
AUGUST
17 Day at the Races Del Mar Race Track
26 Trade Show Cybercrime and Embezzlement
SEPTEMBER
6 CID Law Course Courtyard by Marriott 16 CAI San Diego Golf Classic Coronado Municipal Golf Course 14-18 Large Scale Managers Workshop Seattle, WA
10 Trade Show Going Green in HOAs DoubleTree Hotel Mission Valley
OCTOBER
Night at The Padres Game Petco Park
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
23 Morning Educational Program Employment Law This course is part of a
series of programs for experienced managers and management company CEOs
21
California Legal Forum Queen Mary Long Beach
NOVEMBER
4 Morning Educational Program: Almost Free Legal Advice Courtyard by Marriott TBA Morning Educational Program: Almost Free Legal Advice North County location TBA
D E C E M B E R
Courtyard by Marriott
28 Morning Educational Program Hilton Garden Inn Carlsbad
7 Trade Show New Technology: There’s an App for That! DoubleTree Hotel, Mission Valley 15 Essentials of Community Association Volunteer Leadership Courtyard by Marriott
1-2 PMDP Course: M-201 Facilities Management
9 Holiday Award Banquet Luncheon & Trade Show DoubleTree Hotel Mission Valley
Features 6
Technological Advances in the Legal World: Instant Access to Delinquent Assessment Status
BY JAMES R. MCCORMICK, ESQ.
8
From the Stone Age to the Technological Revolution
BY NEAL CHAZEN
11
Technology Trends in Security and Entry Systems
BY MICHAEL D. CHISM
14
Cybersavvy
BY BRIAN A. KALMENSON, CCAM
19
The Speed of Technology
BY SABINE LIEDEL
22
Is Your HOA a Water Hog?
BY SAM CADWALLADER
Departments 2
Chapter Event Calendar
4
President’s Message
BY CYNDI KOESTER, PCAM
13
Platinum Marketing Plan Member Focus: Epsten Grinnell & Howell, APC Newsstand Renewing Members Homeowners' Corner: Who Owns My Mortgage? {Revisited}
24 26 27
BY SAMDOLNICK
28 New Members 35 CLAC Donations Honor Roll 37 Around San Diego 38 Service Directory Back Cover 2011 Marketing Plan Members
Chapter News
21 36 36 37 30
March 11 Bowling Tournament What’s coming up in CAI San Diego Thank you February 4 Trade Show Exhibitors Thank you March Educational Program Sponsors 2011 Board of Directors COMMON ASSESSMENT MAGAZINE • SUMMER 2011
3
Common
President’s Message EXECUTIVE COMMITTEE CYNDI KOESTER, PCAM....................................... PRESIDENT Mutual of Omaha Bank
Our Chapter Recognized at the 2011 National Conference I am so proud to announce that the Chapter was the recipient of the Chapter Achievement Award for Public Affairs Very Large Chapter for our submission for our CLAC Roundtable Committee. Our President Elect Louise Stettler and I accepted the award during the General Session on Friday at CAI National Conference. All of our committees do a Chapter President Cyndi Koester, PCAM wonderful job, and it is wonderful to see and President Elect Louise Stettler proudly the Chapter recognized for its hard work. accept the Chapter Achievement Award If you haven’t marked your calendars yet, from Tom Skiba at the 2011 National Conference you need to block out April 18-19, 2013 for CAI National Conference here in San Diego! We are already working on our Chapter party to make it the best ever! So, if you missed our Monte Carlo Night you missed a wonderful event! Sharyn Edwards-Chair and Louise Stettler-Co Chair and their committee did a fantastic job! The night was full of energy, gaming, great food and of course the best people in the industry. Sea World was a great venue change and a beautiful setting for this event. Great job all! As many of you know we have added educational morning programs in North County this year. We have held two events and are excited that there will be two more this year. We will again return to North County in September and November of this year. Stay tuned for more details. Our new Board Fundamentals course will be held in San Diego on June 18 and Vista on July 16. Please make sure you share this information with your board members. An educated board member makes a better board member. Social Media is here and we are on Facebook! Visit our Facebook page and become our friend, just search for CAI San Diego. You can find information on upcoming events and see post-event pictures. We are campaigning to have over 200 friends by the end of the year. We need your help to accomplish this. Don’t miss out on our Family Day at the Padres on Saturday, June 25, 2011. Tickets are $31 each and that includes all you can eat hot dogs, soda, water, peanuts and popcorn! The proceeds will be donated to our Manager Cyndi Koester, CMCA, AMS, PCAM AVP Scholarship Fund. Southern California As we all our planning our summer vacations, Regional Account Executive, Mutual of please be safe during your travels! Omaha Bank/Condo Certs
4
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
LOUISE STETTLER...................................... PRESIDENT ELECT Epsten Grinnell & Howell, APC RICK SALPIETRA, ESQ...................................VICE PRESIDENT Law Offices of Richard Salpietra TINA ROZYCKI, CMCA......................................... TREASURER Curtis Management MARIE DONOVAN................................................ SECRETARY Homeowner CHRIS HODGE, PCAM......................................... EX-OFFICIO Elite Community Management DIRECTORS KERRY BEATTY, PCAM......................Packard Management Group JIM FRAKER, PCAM..........Professional Community Management ELIZABETH FRENCH, ESQ. ..............Green, Bryant & French, LLP ELAINE GOWER............................................................ Homeowner BECKY GROENEWOLD, PCAM..................................................PCM CO-LEE GREV, PCAM............ Pacific Rim Property Management JASON PAYNE ....................................Payne Pest Management SHANNON SMITH......................................Reconstruction Experts KARINA TATUM . ........................SD Preferred Property Managers CHAPTER EXECUTIVE DIRECTOR BARBARA OZENBAUGH, CMP 619-299-1376 MANAGING EDITOR AND NEW & RENEWING ADVERTISING SALES BARBARA OZENBAUGH, CMP 619-299-1376, barbara@cai-sd.org DESIGN & PRODUCTION KRISTINE GAITAN REY ADVERTISING & DESIGN / THE CREATIVE DEPT. 760-746-8700 MAGAZINE EDITORIAL COMMITTEE LAURIE POOLE, ESQ. (CHAIR)............. Peters & Freedman, LLP LAURI CROCE, ESQ. ............................ Anderson & Kriger, APC SAM DOLNICK.......................................................... Homeowner ANY FERRELL........................................................ N.N. Jaeschke LESLEY FINCH............................................Lindsay Management JEFF FRENCH, ESQ....................... Green, Bryant & French, LLP BRIAN KALMENSON, CCAM....Michael Abdou Insurance Agency JODI KONORTI, ESQ. ................ Epsten, Grinnell & Howell, APC CYNDI KOESTER, PCAM..... Mutual of Omaha Bank/CondoCerts JENNIFER LANDON........................... Allure Total Management KIMBERLY LILLEY, CIRMS........................Berg Insurance Agency TINA ROZYCKI............................................. Curtis Management JEAN-MARIE SALVIA.................................... Walters Management LOUISE STETTLER......................... Epsten Grinnell & Howell, APC All articles and paid advertising represent the opinions of authors and advertisers and not necessarily the opinion of either Common Assessment Magazine or the Community Associations Institute – San Diego Chapter. Information contained within should not be construed as a recommendation for any course of action regarding financial, legal, accounting or other professional services and should not be relied upon without the consultation of your accountant or attorney. Common Assessment Magazine is the official quarterly publication of the San Diego Chapter of the Community Associations Institute. CAI San Diego Chapter encourages submission of news and articles subject to space limitation and editing. Signed letters to the editor are welcome. All articles submitted for publication become the property of CAI San Diego Chapter. Reproduction of articles or columns published permitted with the following acknowledgement: “Reprinted with permission from Common Assessment Magazine, a publication of the Community Associations Institute San Diego Chapter.” © 2011 CAI - San Diego Chapter
ADVERTISING & CORRESPONDENCE SHOULD BE SENT TO: Common Assessment Magazine CAI - San Diego Chapter 1081 Camino Del Rio South, Suite 207, San Diego, CA 92108 619-299-1376 / fax 619-299-1377 / www.cai-sd.org
We provide solutions... to complex Community Association legal issues. If you are involved in the management of a community association, you know that the State and Federal laws that govern associations complicate decision-making and make the conduct of association business challenging. We can help. At Epsten Grinnell & Howell, solving the complexities of community association law is our only business. Our attorneys handle a continuing and varied stream of association legal matters. We collaborate and share our ever-expanding knowledge with each other, and with our clients. This can be a real benefit to your association, as our attorneys are not likely to be starting from square one when faced with your difficult issue.
Call us today… We have a lot of common interests.
800.300.1704 l www.epsten.com San Diego 9980 Carroll Canyon Rd., Suite 200 San Diego, California 92131 858.527.0111 • fax 858.527.1531
Inland Empire 41870 Kalmia St., Suite 160 Murrieta, California 92562 951.461.1181 • fax 951.461.2916
Coachella Valley 44-875 Deep Canyon Rd., Suite 3 Palm Desert, California 92260 760.836.1036 • fax 760.836.1040
COMMON ASSESSMENT MAGAZINE • SUMMER 2011
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Technological Advances in the Legal World: Instant Access to Delinquent Assessment Status By James R. McCormick, Jr., Esq.
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SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
AS WITH OTHER BUSINESSES THAT SERVE HOMEOWNERS ASSOCIATIONS, THE LEGAL WORLD HAS SEEN TREMENDOUS TECHNOLOGICAL PROGRESS THAT ENHANCES REPRESENTATION OF CLIENTS. ONE SUCH INNOVATION IS THE ABILITY OF MANAGERS AND BOARD MEMBERS TO INSTANTLY OBTAIN CURRENT INFORMATION REGARDING DELINQUENT ASSESSMENT ACCOUNTS THAT HAVE BEEN TURNED OVER TO LEGAL COUNSEL.
managers have the ability to review and/or print status reports for an entire association; again, at the manager’s convenience. With laptops and smartphones, this information can even be accessed during a meeting. A wise man once said “with great power comes great responsibility.” (Extra credit for naming the reference!) The attorneys who offer this service must ensure that the information and the collections accounts are kept up to date.
Fifteen years ago, lawyers were using state-of the art technology by being able to fax “status reports” regarding delinquent accounts to a manager. These reports were usually updated on a monthly basis, just before the board meeting. Ten years ago, the fax machine was replaced with the newest cutting edge technology: e-mail. With the latest technological advances of smartphones, laptops and tablet computers, combined with Wi-Fi and broadband access to internet connections, managers and board members can now access the status of an association’s collection accounts, at any time, from virtually anywhere. A handful of legal practitioners now offer a service whereby managers and board members can access information about their association’s collection accounts 24/7. Once logged into the system (via computer, smartphone, laptop, tablet computer, etc.), managers or board members can: • See an birds-eye overview of all of their collections accounts • Drill down into the specifics of any given case/matter • View or print reports in a variety of formats; and • Review data in whatever manner is most useful to them. All of the information is collected in a database so it can be viewed or collated using different options. If the board only wants to see the outstanding assessments, or legal fees
No longer can account updates wait until a status report is requested. No longer can collection steps wait until the day before a board meeting. With this open system, law firms understand there is an expectation that the information will be continually updated. Boards too must understand that despite the fact that information is available all the time, collections efforts do not reach fruition overnight. There are time frames where no action is being taken because none can be taken. While checking the status of the accounts on a daily basis may not result in additional assessment funds being collected, it will provide board members and managers with information regarding the actions that have been taken by their legal counsel to pursue collection from the delinquent owners. If you fancy yourself technologically savvy, check with your local association attorney to determine if online collections account information access is available for your association. If it is, schedule a time to review the available information, accessibility options and the variety of ways in which the information can best be utilized for your needs. Be sure to take advantage of this option now, as it may only be 5 years before this technology is superseded by the ability to beam the information directly into your brains!
or late fees, those can be broken out. Information related to delinquent assessments is no longer static on a printed report. With this type of instant access, managers can check the status of any account whenever they need the information, instead of having to call or send an e-mail request to the
James R. McCormick, Jr., Esq. is a managing partner at Peters & Freedman, LLP, with offices in Encinitas and Palm Desert, California.
attorney’s office and wait for a response. Additionally,
COMMON ASSESSMENT MAGAZINE • SUMMER 2011
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e h t m o Fr e h t o t e g A e n o St l a c i g o Technol n o i t u l o Rev By Neal Chazin
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SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
IN THE OLD DAYS, (THE 70S AND 80S FOR HOMEOWNERS ASSOCIATIONS) TECHNOLOGY WAS FOR ALL INTENTS AND PURPOSES NONEXISTENT. ALL BOOKKEEPING WAS DONE BY HAND AND SOME MANAGEMENT COMPANIES WERE STILL DOING THEIR BOOKKEEPING MANUALLY WELL INTO THE 1990S. HAND WRITING CHECKS TO VENDORS, RECORDING OWNER’S PAYMENTS ON THEIR OWN LEDGER AND FILLING OUT DEPOSIT SLIPS WERE ROUTINE. TIME CONSUMING HAND WRITTEN OR TYPED REPORTS WERE PROVIDED TO BOARD MEMBERS AT THE END OF THE MONTH. MOST EVERYTHING WAS SENT THROUGH THE MAIL.
individually choose how they get billed – by paper statements, payment coupons or an electronic bill. They have options on how they can make their assessment payments – by check, bill pay service through their bank, automatically deducted from their account each month (ACH), credit or debit card, and e-check. No more having to run to the management office on the 15th to avoid paying a late charge! Homeowners now have better access to association information – documents can be posted to the association’s website including monthly meeting dates and agendas, meeting minutes and newsletters. Association websites can also include special events or allow for an exchange of ideas between homeowners. Architectural changes, work
We went through a period where word processors and
orders, and notifying the management
slow computers with minimal storage on floppy disks and fax
company of any problems that are
machines were the latest technology. Only a very select few
encountered can be submitted fairly
had car phones and pagers were commonly used to contact
effortlessly through the website.
people in the field. The internet came much later. Since then, technology has advanced so much it is as if
The most beneficial technological advancement to board members
we went from the stone age to the technological revolution in
has been the advent of the internet and the ability to
just 30 years. Computers are amazingly fast, storage capacity
communicate with each other and the management company
is practically unlimited, the internet, with the use of email and
through e-mail. Even though the open meeting act requires
websites has dramatically changed the way business is done.
board meetings to be open, the management of ongoing
Cell phones have allowed us to be immediately connected
operations has become practically impossible without the
to clients and the world, digital cameras have enabled us to
ability to rapidly communicate with each other. Any document
document just about everything going on in an association
including agendas, proposals, contracts, minutes, architectural
and share the information instantly, conference calls and
requests can be emailed instantly to board members and
“Go to Meeting” allows us to meet with a group at any time,
speeds up processing time and sometimes the approval
and wireless technology allows us to bring our office with us
process. And unlike a phone call, email correspondence
wherever we go. The advancement of this technology has
allows for a paper trail on all issues. Another valuable benefit
brought on many specialized cottage industries that have
to board members includes real-time access to financial and
helped the homeowner association industry. These companies
banking information.
provide software, websites, banking services, document
Management companies have benefitted greatly from
storage, back-up storage, payment coupon and billing
the advancement in financial and association management
services, invoice and check processing, bid processing, taking
software products. Many of the new software packages
meeting minutes, escrow and refinance processing services,
include an open architecture platform that allows for user
collection services, and election services to name a few.
customization and the ability to integrate financial and
The latest technology has enabled homeowners to
management services. This allows management companies Continued on page 10 COMMON ASSESSMENT MAGAZINE • SUMMER 2011
9
STONE AGE Continued from page 9 to provide the benefits listed above for homeowners and board members and eliminates numerous phone calls and follow-up work. Reports can be customized and printed out in the order selected and emailed directly to the board members. The ability to scan invoices and link them to a check allows easy look up capabilities and the MICR encoding UBM071_Jan26W_SanDiego_4.75x7.5_4C
and signature automatically applied to checks eliminates the need for individual checks per association and the need to hand sign checks. The latest software eliminates unnecessary data entry and duplication efforts, contains user defined fields for easy customization, and the work order management and architectural and covenant tracking modules helps reduce a lot of processing time for your staff. There are many companies that provide software for our industry; when evaluating your options it is important not only to understand the benefits of the program but to analyze the time it takes to process information to make sure your entire office can be more productive. Since computer hardware technology advances so quickly,
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plan on upgrading computers and all other equipment every five years or less. Make sure appropriate back-up and security systems are in place to ensure the reliability of the system. Thirty years ago it was hard to imagine today's technological advances; imagine where it will go during the next thirty years. The important thing is to try to keep up with it!
To put our HOA Banking expertise to work for you, visit us at HOAbankers.com or call us today. Relationship Manager: Julie Marquez, CTP, 866-679-6764 Jolen Zeroski, CMCA®, 800-669-8659, x4 Mahendra “Sammy” Sami, CTP 877-839-2947 Team Leaders: Pamela Hazard, CMCA®, 800-669-8659, x1 Michelle Hill, 800-669-8659, x2
National Sales: Mickel Graham, PCAM®, 866-210-2333, x1 Industry Manager: Mark Reider, CMCA®, 800-846-5821
HOAbankers.com ©2010 Union Bank, N.A.
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SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
Neal Chazin is CEO and founder of Associated Professional Services, Inc., located in San Diego and Las Vegas and provides bookkeeping and management support for selfmanaged and on-site managed associations and independent managers.
technology trends
IN SECURITY & ENTRY SYSTEMS By Michael D. Chism
For several years, homeowner associations and their management partners have benefited from investing time and monies into their properties and common areas to make these residential communities a desired place to live, improve home values, and provide security and convenience that traditional single family homes or suburban living do not offer. With constant changes in the residential market, there have been many advanced technologies that assist with security enhancements and loss prevention for all types of homeowner association communities. Continued on page 12
COMMON ASSESSMENT MAGAZINE • SUMMER 2011
11
• Authorized building access for common
TECHNOLOGY TRENDS Continued from page 11
systems, which secure the main entry and exit points for residential neighborhoods
areas • Video surveillance systems
and multi-tenant urban dwellings, are a
innovative technology that provide security
• License plate recognition systems
common theme of most associations,
benefits for homeowners associations and
• Biometric access systems
Some of the many examples of
their management partners are: • Automated gates and resident parking control
Gated communities aid in improving property values by a conservative average of 5-7% according to regional real estate
Gated Communities Automated vehicle gated entry
professionals. They also reduce instances of burglaries and petty theft, per a national study posted by a group of students and staff at Florida International University. Simply put, “if you can afford it- better to live in a gated community.”
Building Access Communities that invest owner dues towards common area luxuries—such as a community pool, clubhouse, exercise facility, and tennis courts have the opportunity to address common issues. Traditional key systems are reliable, but provide little control and manageability. In addition, keeping proper control of keys in circulation is always challenging.
Who else can say – our account executives know community management backwards and forwards.
Manageable building access systems (i.e. card access, digital keypad, biometric
Who else can say – our relationship managers speak your language and understand your business.
readers) are technological items that help solve this problem. These devices enable
Who else can say – our technology group has revolutionized the business of association management.
communities to effectively enforce hours
ExpEriEncE
provide a level of control to community
of operation of these common spaces and managers. One advantage to having these systems is the ability to remotely disable the entry device for owners whose rights to use the facilities have been suspended, due to delinquencies or other violations. This saves the manager from having to take
HOA Banking HOA Loans Internet Cash Management Online Payment Systems Dedicated Customer Service
action at the community site.
Video Surveillance A growing trend in residential
Cyndi Koester
communities is video surveillance systems.
AVP / Regional Account Executive
This type of security is very helpful in loss
949.235.8498 Toll Free 866.800.4656, ext. 7494 cyndi.koester@mutualofomahabank.com
prevention and claims against associations involving common area amenities or gated entry. Claims that “the gate closed on
mutualofomahabank.com
Z4746
12
Community Association Banc is a division of Mutual of Omaha Bank. Member FDIC. Equal Housing Lender CACM Affiliate Member. National Corporate Member of Community Associations Institute.
my car” or reports of missing equipment Equal Housing Lender
or injury in a fitness area are examples of where a video surveillance system is beneficial. These systems allow the
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
management team to remotely review the video surveillance system and take action, if needed, on reported incidents. As the San Diego market continues
CAI-SAN DIEGO PLATINUM MARKETING PLAN MEMBER
FOCUS ON:
to grow, the need for security and access in residential markets follows suit. When there is a need for the types of community enhancements illustrated here, board members and management should consider the following: • What are the main issues with your association? • What are the owners’ expectations with the final product? • Who will be managing the system and will it be remote or local? • Will the product choice fit the application? When considering security enhancements for residential communities, always consider the following options when selecting a vendor and product: • Purchase rather than lease equipment • Use a company that is local • Stay clear of proprietary equipment as this will greatly reduce service and support • Consider using products that have local distribution for better warranty and support. Following these simple guidelines will assist in better decision-making for both the product and installation.
With offices in San Diego, Coachella Valley and the Inland Empire, Epsten, Grinnell & Howell is one of the largest common interest development law firms, serving communities throughout San Diego, Riverside, San Bernardino, Orange and Los Angeles counties.
How does the firm instill a sense of team and camaraderie? The staff and shareholders of Epsten Grinnell & Howell work hard in maintaining a team atmosphere throughout the firm. From philanthropic causes to company events, the group certainly has fun. In addition to their philanthropic work, the firm also hosts and sponsors several company events including an annual cookout on the front lawn for an Employee Appreciation Day.
Please share the value received from being a CAI member. The firm has benefited significantly including the opportunity to make a difference in the industry by providing education to board and manager members. CAI further affords the opportunity to network and stay in touch with managers and the opportunity to meet business partners who serve or could serve our clients.
Most memorable moment or highlight for the firm? Over the course of the firm’s history, there have been many memorable highlights, including getting standing ovations at homeowners meetings, winning appeals decisions, getting CC&R amendments through the first time, and resolving the largest construction defect matters. The company cherishes each and every one of these successes.
Advice for board members, community managers and industry professionals. For board members and community managers: Don’t be afraid to tell the law firm, staff and shareholders, those who serve you, how they can help you. For industry professionals: Use the social events to get to know people in the industry, managers as well as other business partners. Respect the manager and the board. For all individuals, education is imperative, thus raising the level of professionalism for the industry.
What are the firm’s forecasts for the San Diego common interest development industry over the next 10 years? Technology will be used even more extensively. Education and certification will continue to be a standard for good management. Through technology homeowners and board members will have more information readily at hand.
Michael D. Chism is the President, CEO and RMO of Controlled Entry Specialists, Inc., which serves San Diego and Riverside counties.
The law firm is a long standing CAI business partner and member. Epsten Grinnell and Howell is an innovative, forward thinking and solid firm. To contact the firm visit their website at www.epsten.com.
COMMON ASSESSMENT MAGAZINE • SUMMER 2011
13
Cyber Savvy By Brian A. Kalmenson, CCAM®
I
t is the year 2003, and the following
to community associations? As the internet
designer, the complexities begin once the
words scroll across the TV during the
perpetually evolves, so too does the need
web presence has been born.
nightly newscast: “Facebook and
for community associations to utilize all
Twitter prove to be enormous help
When asked what the most important
that it has to offer. It is important to know
aspect of an association’s web presence
in overthrow of Egpytian president Hosni
how to best avoid missteps in the cyber
is, Deborah Kornheiser of the law firm
Mubarak.” In 2003 Facebook and Twitter
minefield, and in doing so maximizing the
Wasserman Kornheiser succinctly stated,
were not part of anyone's vocabulary. A
power of the internet for your association.
“Control is the key.” As an experienced
person might assume that Facebook and
Many community associations own and
community association attorney, Ms.
Twitter were zealous political opponents of
maintain a web presence these days. They
Kornheiser emphasized that an association
the Egyptian president. Eight years later,
range in cost from relatively inexpensive
is entering into a perilous situation when
the world has witnessed the internet and
to free (sponsored websites, Facebook,
control of content is not maintained.
its communicative tools – Facebook and
MySpace, etc.) and can be a great source
Twitter especially – being instrumental in
of information for homeowners. While
ousting a regime after three decades in
creating a website can be as easy as
power.
utilizing a home-page service offered by
Now the question: How does this apply
14
a management company or hiring a web
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
Does this mean my association should avoid message boards, Twitter, blogging and Facebook? Absolutely not! The purpose of a
community association webpage is to keep the membership informed, while providing another face to the association for its current and future members. When it comes to the aforementioned interactive technologies, the board just needs to make sure that all posted items are board approved prior to publication. On this very concern, Ms. Kornheiser states, “A website gives the association another face for homeowners, and given proper safeguards, can be a great communicative tool.” This simple safeguard of prepublication approval greatly lessens the possibility of inflammatory content making its way onto an association-maintained website, blog, Twitter or Facebook page.
What kind of content can’t be shared under any circumstances? The type of information to steer clear of is any information not intended for re-publication. According to Ms. Kornheiser, “Misuse of information is a problem. An example is posting a list of registered sex offenders within range of the community; while it is public information, doing so can have very
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serious legal repercussions.” When the question comes up as to whether or not the association can post certain content, it is always best to check with legal counsel first. Regarding potential information misuse, spending a few dollars in the present for an informed legal opinion could save the associations thousands of dollars in the future.
I’ve heard of frustrated members creating their own non-approved and unofficial websites; how should a board handle these? When asked this question, Ms. Kornheiser states, “Associations should not be promoting or giving attention to the non-approved websites. The attention gives [the websites] perception Continued on page 16
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MEDIATION SOLUTIONS Mary Delmege . 760-504-7977 . mfdelmege@cox.net www.marydelmege.com COMMON ASSESSMENT MAGAZINE • SUMMER 2011
15
While there are hazards to avoid while building your association’s web presence, there are tremendous benefits in doing it the right way. CYBER SAVVY Continued from page 15
libelous information, the board would not
distribution and lessen the number of
have the authority to have the site taken
requests for management staff to process.
down.
Cyber landmines certainly do exist,
While there are hazards to avoid while
though with great care and proper legal
building your association’s web presence,
follow-up on any potentially questionable
there are tremendous benefits in doing
content, none are unavoidable. In
it the right way. In addition to providing
this day and age where the internet’s
a common, consistent and permanent
unquestionable mass communicative
source of information, it can lead to a
power has made the hope of democracy
fiscal cost savings for associations. Such
possible in foreign lands, it’s not a
savings can be realized in the posting
stretch to imagine the great benefits
of regular session meeting minutes, as
for community associations when a web
well as association governing documents
presence is done right.
and mailings to the association website.
of legitimacy and only creates a larger
Homeowners may still elect to receive
distraction.” The association’s members
hard copies of association documents,
should address any concerns in the proper
but having them available electronically
forum: a community association board
will inevitably reduce the time and
meeting.
energy spent on document collection,
But if the website or social media site
as well as homeowner-incurred costs
isn’t board-approved, can the board have
of copying and postage on some level.
it taken down? Unless the website or page
Additionally, providing association forms
is promoting itself as the official website
and documents online for homeowners to
of the association, or is posting otherwise
obtain instantly can streamline document
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SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
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• Residential, commercial and industrial associations’ elections involve an
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important legal process that should be handled by an attorney.
The Law Offices of Richard Salpietra has processed over 100,000 ballots in past elections. We handle all aspects of an election as the Inspectors of Elections including interpreting governing documents, creating and mailing all election documents, collecting ballots, conducting the annual or special meeting, tabulating votes and announcing the results.
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SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
F O D E E P S E H T
el ine Lied By Sab
Y G O L O N H TEC word of the year), widget, Tweet or post? Just about the
H
management companies time, which in turn will also save money.
time we learn how to use the available technology, it
Using software for electronic document delivery for board meetings,
changes. It is difficult to keep up with all of the new technology that
resale packaging and archiving documents aid in reducing overall
impacts the common interest development industry and our daily
costs. Most directors serving on boards have email capability
lives, let alone be proactive about implementing such technology
and it is cost-effective to provide board packets in PDF (Portable
effectively.
Document Format). This allows directors to receive board packets
ave you figured out how to use the newest “app” (2010
Some programs are designed to save associations and
and other materials via email and only print what is necessary for
Do you and your communities really need to utilize all of the technology available? It was not long ago when the thought was that every community should have a website. Then, reality set in and boards figured
meetings. Some boards also opt to use PowerPoint to project documents at meetings in order to save printing costs. Both are effective technology tools that can save money. Archiving documents has been a major discussion in the
out that someone actually has to maintain, update and provide
industry for some time. Although it is easy to scan documents and
information on these websites to keep them relevant.
archive them on to CDs or other formats, investing in a program
With the troubled state of the economy over the past few
that allows you to perform keyword searches on files still remains
years and many associations facing budget deficits due to unpaid
cost prohibitive for most associations. Several management
assessments, the need for costly websites and other auxiliary
companies throughout the country have made investments to
services have been reconsidered by many boards. The trend has
implement this technology, saving time and paper-storage fees.
been to look at technologies that can increase income and save
At this time the technology is not easily accessible for individual
time.
associations.
One thing that associations should not do without when it
This brings us to the newest concept that is taking the world by
comes to technology is solid accounting software. Although
storm: Cloud Computing. Microsoft’s® commercials currently focus
accounting software may be an investment by associations or
on cloud computing with their slogan, “to the clouds.” So what
management companies, it is the top priority for a healthy, vibrant
does that really mean? According to Wikipedia, “Cloud computing
and solid business. There are many different options available
describes computation, software, data access, and storage services
within the industry, from top of the line programs that will not only
that do not require end-user knowledge of the physical location
manage accounting but also track violations, to simple systems that
and configuration of the system that delivers the services.” In short,
will provide your association with the accountability necessary to be
you no longer have to download and utilize your hard drive space
successful. Check your CAI Membership Directory for professionals
to run a program or to access data. It lives on a remote server and
that provide these services and talk to fellow members about what
is accessible from any computer at any time, provided you have
has worked for them. You will be surprised how many solutions are
access to the Internet.
out there.
Continued on page 20
COMMON ASSESSMENT MAGAZINE • SUMMER 2011
19
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THE SPEED OF TECHNOLOGY Continued from page 19
Although cloud computing may seem ideal, it holds some security risks and should only be implemented with solid technology plans in place. Any time you share documents and files via the internet and email, there are security risks associated. Once your information is placed into cyberspace, it is no longer private and you risk the possibility of anyone having access to your material. Many experts are vocal about implementing a technology plan that includes archiving and purging documents. As with paper documents, anything kept in a digital format may become admissible in court when suits are filed. If your association is subject to a lawsuit, consult legal
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counsel immediately. Here are a few rules to follow when it comes to anything digital: • Only respond to email when an answer is necessary • Never put in an email what you would not put in writing on paper
ssl_CAI_0210:Layout 1
1/19/10
10:23 AM
• Be careful not to discuss items via digital format
Page 1
(chat, email, blog, etc.) that might be viewed as
Improving more than just your property.
a meeting of the board • Formulate a plan to address digital communication and the storage of digital records for your association • Ask your management company if they have a plan in place that covers your documents • Treat digital documents and discussions as you
S TEVEN S MITH
would any other form of communication Each year CAI provides seminars at its Annual
L ANDSCAPE I NC .
Conference, CEO/MC Retreat and other local chapter events on technology and best practices. This continues to be a hot topic in every industry including common interest developments. The most important thing to keep in mind when it comes to technology: only use it when and if it makes sense.
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COMMON ASSESSMENT MAGAZINE • SUMMER 2011
21
IS YOUR HOA A Curly Tail Farms HOA
WATER HOG? By Sam Cadwallader
S
an Diego has felt the effects of
creating efficiency. Some cities offer rebates
mandatory water regulations for the
for new controllers, micro-irrigation and
past one and a half years. But have
turf-replacement. Be sure your landscaper is
we all made changes and taken
aware of which rebates are available for your
advantage of current technology to really create savings in water and money? Probably
landscape account manager to be in constant
thinking practices that can make a difference
communication with the irrigation system.
in your water bill as well as do the right thing
The manager can enter and modify irrigation
for our local San Diego environment.
programs, manually turn on and off stations, manager will be notified immediately of any
“smart controllers” that everyone has been
broken heads, pipes and mainline faults.
talking about. Essentially, smart controllers
Thanks to the internet, all of this can be done
use historical weather data, information
from a cell phone or web connection. Besides these all-powerful controllers,
the controller, off-site data from a local
there are many low application rate, micro-
weather station or even satellite information.
irrigation options to use rather than your
The controller takes this information and
standard spray heads. As a rule of thumb,
automatically adjusts the amount of water
when mist is shooting out from the sprinklers,
applied to your landscaping, based on current
water is being lost to evaporation. There
weather conditions. So in the hot summer
are more efficient options, such as micro-
months it will increase the water applied and
spray, drip and in-line emitters, that apply
in the cool winter months it will decrease the
water more directly to the root source using
water applied.
larger water droplets. If operated properly,
If you have ever heard your landscapers tossing around the terms “ET rates and evapotranspiration” they’re referring to the
22
and if a flow sensor has been installed, the
the first changes to consider is using those
from a small weather station installed with
AFTER
Another innovative system enables a
not. There is a lot of technology and forward-
When thinking about water usage, one of
BEFORE
association.
associations could see possible water savings of 30%. Switching out the controllers and heads
sum of evaporation and plant transpiration
are helpful, but associations should also
into the atmosphere. Evaporation is the
consider changing the plant material.
movement of water from the soil into the
The days of endless pastures of emerald
air and transpiration is the movement of
green grass are slowly coming to an end.
water from plants into the air. Some smart
Everyone loves turf, the smell the touch, the
controllers take this loss of water into account
look. However, associations do not need it
when adjusting your irrigation system. Smart
covering every square-inch of permeable
controllers really are the best way to start
landscape. Associations should realize that
honing in on your irrigation run times and
it is not necessary to eliminate all of the turf.
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
However, there are areas in almost every
C e l e b r at i n g O u r 3 7 t h Y e a r
development where the grass can be replaced. Sure, leave it in the parks and congregational areas, but if there are areas where the kids and dogs aren’t playing, why not remove the turf and replace it with some drought tolerant species? Before concluding that incorporating drought-tolerant plants means that your association will become a desolate, cactiridden wasteland, you should understand this is not the case. There are a myriad of low water using plants that are quite aesthetically pleasing (see photos opposite
We know the difference between getting the job done and getting it done right.
page). There are thousands of succulents, perennials, ornamental grasses, shrubs and trees that do not absorb water like turf
Full Service Community Management
and still provide vivid textures and inviting ambiances. If you do go the route of replacing turf with drought-tolerant plants, you and your board are probably wondering when you can see the return on investment. Each case has many variables; not the
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least is how well your water is currently being managed. A frank discussion with your landscape contractor is good idea. Replacing a large section of turf with an equally large section of established drought-tolerant plants could possibly yield up to a 50% savings in water. By installing very low-water usage plants, associations could get away with watering these plants once a week! Compare that to the thirsty turf! The moral of the story is to start talking to your landscaper about what options are available for your association. While changing the controllers, heads and plant material involves an initial investment, in the long term, your association will see the savings in water usage and on your water bill. Sam Cadwallader is a Business Development Representative for New Way Landscape & Tree Services, a full service landscape maintenance and tree company, which has served San Diego for 31 years.
COMMON ASSESSMENT MAGAZINE • SUMMER 2011
23
NewsStand N E W S F R O M C A I N AT I O N A L
elected to their second terms. Carpenter
underemployment rate was at 19 percent at
was elected to his third and final term.
the end of 2010. However, only 1.2 percent
Greensboro, NC, attorney James H.
of CMCAs reported being underemployed
Association Lawyers (CCAL) kicked off 2011
Slaughter, a partner with Forman Rossabi
and 2.3 percent unemployed.
with a new dean and four newly elected
Black, P.A., returns to the CCAL board to
members of its Board of Governors.
serve the second year of his two-year term.
CAI’s College of Community Association Lawyers (CCAL) CAI’s College of Community
Jeffery Van Grack, Esq. of Lerch, Early
Established in 1993 by the CAI Board
“We are very pleased knowing that only 3 percent of CMCAs nationally are not working full-time in the profession,”
& Brewer Chartered, in Bethesda, MD,
of Trustees, CCAL consists of fewer
says NBC-CAM Executive Director Dawn
began his two-year term as CCAL dean on
than 120 CAI member attorneys who
Bauman, CAE. “The community association
January 1. Van Grack has been a practicing
have distinguished themselves through
management profession has remained
community association attorney for more
contributions to the field of community
extremely strong and stable despite the
than 25 years, and regularly speaks at
association law. CCAL members are also
economy.”
national and chapter conferences about
recognized for committing themselves to
community association issues. He is a
high standards of professional and ethical
the community association management
former president of CAI’s Washington
conduct in the practice of association law.
profession is strong, more than half of the
Metropolitan chapter, and in 2007 served
Nine attorneys from across the country
While the 2011 employment outlook for
nation’s estimated 310,000 homeowners
as chair of the Community Association Law
were inducted into CCAL during the
associations (HOAs) are undergoing
Seminar.
32nd Annual Community Association Law
financial strain due to the foreclosure crisis
Seminar January 13-15 in Las Vegas. The
and the economic downturn, according to a
seminar drew a record 580-plus participants.
recent survey conducted by the Community
“I’m excited to step into my new role as dean, and am happy to be a part of such an important organization,” said Van Grack, who was admitted to CCAL in 1996. “CCAL is a vital resource not only for CCAL members, but also for all professionals and
Associations Institute (CAI).
NBC-CAM Report: 97% of CMCAs Are Working Full Time While many businesses, organizations
In the September 2010 survey of 1,500 CAI members, 54 percent of community managers said their associations face
homeowner volunteers who serve common-
and professions have taken significant
“serious” or “severe” problems as a
interest communities. The board and I look
financial hits amidst one of the worst
result of the struggling labor and housing
forward to expanding on all of CCAL’s great
economic downturns in modern U.S. history,
markets.
work.”
the community association management
The following CCAL members have
profession continues to prosper.
“Managing a community association is like running a business,” says Robert Felix,
According to findings in a Special
NBC-CAM chair and senior vice president
CCAL board:
Report developed by the National Board
of Rossmar Graham Management in Mesa,
• Scott Brian Carpenter, Esq., Carpenter
of Certification for Community Association
Ariz. “Many communities have learned the
Managers (NBC-CAM), 97 percent of
hard way that they need to entrust their
the estimated 10,000 managers with
management to a CMCA, especially during
the Certified Manager of Community
challenging times.”
been elected to two-year terms on the 2011
Hazlewood, PLC , Tempe, AZ. • Kenneth E. Chadwick, Esq., Chadwick, Washington, Moriarty, Elmore & Bunn, P.C., Fairfax, VA. • Ellen Hirsch de Haan, Esq., Becker & Poliakoff, P.A., Clearwater, FL. • Stephen M. Marcus, Esq., Marcus, Errico, Emmer & Brooks, P.C., Braintree, MA. Hirsch de Haan is new to the board this year, while Marcus and Chadwick were 24
Associations® (CMCA) designation are working full-time in the profession. To put these numbers in perspective, America’s overall unemployment rate
As economic indicators point to improvements in the economy, Bauman believes the supply of qualified community association managers could be strained.
increased to 9.6 percent by the end of 2010.
“It’s possible that as the economy
When the percentage of part-time workers
improves, we may experience a shortage
wanting full-time work is included, the U.S.
of community association managers,” she
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
says. “Nearly a third of managers are over 55 and nearly a quarter have been on the job more
Rebuilding Communities
than 15 years. The incentive to retire typically rises as the economy improves and this could
n
lead many of the more senior CMCAs to leave
n
the profession.”
n
Such factors will likely increase demand
n
for professionally credentialed community
n
Reconstruction Renovations Repairs Maintenance New Construction
managers. “Community management will continue to be a strong business,” continues Bauman, ”not to mention an excellent career opportunity for people who hold professional credentials like the CMCA.” Download the free white paper, The 2011 State of the Community Management Profession. NBC-CAM is a 15-year-old independent board that develops certification and standards for community association managers. It administers the CMCA examination. Passing the CMCA examination and maintaining the standards of the CMCA certification demonstrate that a manager is a knowledgeable, ethical and professional. CMCA-certified managers have the skills to safeguard the assets of homeowners’ associations, giving homeowners peace of mind and protecting home values. For more information, visit www.nbccam.org.
Financing Available! Completing community wide projects n within your budget n in the shortest time possible n quality customer service n minimal impact to your residents n
858.792.1500
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COMMON ASSESSMENT MAGAZINE • SUMMER 2011
25
Renewing Members Thank you to our chapter members that have renewed their CAI membership. We appreciate your continued support and participation in our chapter.
A-1 All American Roofing........................1997 ActiveCommunities, Active Network......2008 Advanced Painting Co., Inc.................... 2007 Agricultural Pest Control Services.......... 2011 Alan Aegerter, CMCA .............................2006 Allegis Residential Services ....................2011 AlliedBarton Security Services, Inc ........2009 American Geotechnical, Inc. ..................1992 Animal Pest Management Services, Inc. .2004 Antac Pest Control ..................................2007 Any Ferrell, CMCA, AMS, PCAM, CCAM . .2008 Aqua Blue Company ...............................2010 ARK Management.................................... 2010 Asael Sandoval, CMCA, AMS ................2006 ASI Reserve Services ...............................2011 Associations Insurance Agency, Inc. ......2009 Barbara Printz........................................... 2007 Barney & Barney, LLC.............................. 2009 Bel Mondo Owners Assoc...................... 1992 Black Mountain Plumbing, Inc. ..............2009 Bob Bartlett ..............................................2008 Bonney Wikkering ...................................2008 Carefree San Carlos . ...............................1977 Casitas Del Sol HOA ...............................2009 CertaPro Painters .....................................2003 Claudia Sitta, CCAM, CMCA .................2007 Coit Services, Inc...................................... 2010 Co-Lee Grev, CMCA, AMS .....................2009 Community Archives, Inc. .......................2008 Cori Shipp, CMCA, AMS ........................2006 Curtis Management Company . .............1984 Delores Montoya .....................................2010 Donna Walters .........................................2007 Eagle Glen Master Homeowners Assn.. 2009 Ed Roth, CCAM, CMCA, AMS, PCAM .....1998 Edwin Vitrano ...........................................2011 Elite Services USA.................................... 2010 Elliot Katzovitz Insurance Agency ..........2007 Epsten Grinnell & Howell, APC . ............1986 Erica Schalit ..............................................2011 Erin Lavergne ...........................................2009 Feist, Vetter, Knauf & Loy ........................1978 Fenton Grant Mayfield Kaneda & Litt, LLP .............................................2005 First Bank Association Services ..............1993 Floods4less, Inc........................................ 2011 Glidden Professional............................... 2011 Global Disposal Reduction Services . ....2008 GMI Building Services, Inc...................... 2010 Gotham Playgrounds & Surfacing .........2008 Green Bryant & French, LLP................... 2005 Haney Accountants, Inc........................... 2009 Har-Bro Construction and Consulting... 2011 Hauser Contract .......................................2006 Heaviland Enterprises, Inc...................... 2011 26
Helen Yakely .............................................2006 HOA Business Solutions, LLC ................2010 Hugh Kratz ................................................2000 Interiors: By Design .................................1996 J & M Keystone, Inc................................. 2004 Jamie Kim, CCAM, CMCA, AMS ...........2007 Janice Liese, CMCA, AMS ......................2005 Jeff Greene............................................... 2008 Jerry Bice, CMCA ....................................2007 Joel Owens............................................... 2000 John LeBlanc, CMCA.............................. 2010 Juanita Bailey............................................ 2011 Karen Medley ...........................................2009 Karen Mulholland . ...................................2010 Keystone-Inland, Inc. ...............................1991 La Jolla Village Southpointe HOA......... 2002 LaBahn's Landscaping . ...........................1985 Larry Peterson ..........................................2001 Le Rondelet Management Corp............ 1999 Leanne Ardilla, CMCA............................. 2008 Lifetime Composites, LLC....................... 2010 Linda Hill, CCAM, CMCA........................ 2007 Lindsay Management Services . .............2012 Lisa Isaacson, PCAM, CCAM.................. 2007 Lynn Williams . ..........................................2010 Mark McLean............................................ 2010 Mary Minnier, CPA ...................................2007 Merit Property Management, Inc. .........2007 Michael J. Ferrara, CPA . .........................1989 Michael Yadrick ........................................2011 Morgan Stanley Smith Barney................ 1996 Morning View Associates, LLC ...............2006 Mutual of Omaha/Condo Certs............. 2004 Nadya Klima .............................................2011 N.N. Jaeschke, Inc................................... 1976 Nissho of California, Inc. .........................1995 Ocean Hills Country Club HOA .............2010 Pacific Rim Property Management.........2011 Palo Verde Ranch HOA........................... 1985 Pamela Kindig.......................................... 2010 Park Encinitas ...........................................2010 Patio Guys . ...............................................2006 Paul Johnson............................................ 2010 Paul Tagliaferri.......................................... 2010 Payne Pest Management........................ 2006 PCM of California..................................... 1989 Penasquitos Townhomes Owners Association........................................... 2010 Peri Sword . ...............................................2011 Pernicano Realty Management Company ..............................................2000 Pestgon Termite....................................... 2010 Peter Penzes, PCAM ...............................2005 Peter Ruggiero, CMCA........................... 2008 Peters & Freedman, LLP .........................1997
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
Pilgrim Creek Estates HOA ....................2005 Pilot Property Management, Inc. ...........2002 Popular Association Banking.................. 2005 PrimeCo Painting & Construction .........1999 Pro-Tech Painting Co. . ............................1992 Randy Hegwood, CMCA........................ 2010 Renaissance La Jolla Community Association........................................... 2010 ResCom Services, Inc. .............................2004 Robert Donaldson ...................................1992 Rodent Pest Technologies ......................1998 Ron Parnes................................................ 2010 Roy Tobin.................................................. 2010 RSI Roofing ...............................................2002 Sam Dolnick .............................................1990 San Carlos Cleaning Services Inc. . ........2010 Sandy Stites.............................................. 2010 Servpro Industries ....................................2010 Sheila Brustkern, CMCA.......................... 2006 Sheri Griswold.......................................... 2010 Solana Beach & Tennis Club ..................1990 Steven Bennett, CMCA, AMS ................2003 Suite Cleaning.......................................... 2007 Summit Property Management, Inc. .....1994 Sunset Painting......................................... 2002 Suntrek Industries ....................................2011 Susan Schwartz . .......................................1990 Tapestry Resorts....................................... 2010 Tina Rozycki, CMCA ................................2008 Tony Lopez ...............................................2010 Transport Data Systems.......................... 2010 Union Bank ...............................................2008 Universal Protection Service................... 2004 Uptown District Owners Association..... 1990 Valleycrest Landscape Maintenance .....2010 Varsity Painting......................................... 2009 Villa Monte Vina HOA .............................2010 Village Park Recreation Club #3............. 2010 Western Gardens Landscaping, Inc....... 2006 William Haifley, CMCA, AMS, PCAM ....2006 January/February/March 2011
Homeowners’ Corner
Who Owns My Mortgage? [Revisited]
agent was not too difficult. When a
Restrictions (CC&R) had to be amended.
homeowner bought a home, a grant
Usually at least 75% affirmative votes
deed, quit-claim deed, or other similar
were necessary by the lenders for the
type of deed, was recorded in the
document to be amended.
County Recorder’s Office in the county
Many of the mortgages were bought
where the home was located. This
by the Federal National Mortgage
grant deed was assigned a recorder’s
Association (Fannie Mae), the Federal
document number. If the home was not
Home Loan Mortgage Corporation
paid for in cash, but a mortgage was
(Freddie Mac) or the Government
purchased, the lender, or originator
National Mortgage Association
of the mortgage, recorded a deed of
(Ginnie Mae). The federal government
trust in the same Recorder’s office. The
guaranteed the principal and interest
document number for this deed of trust
mortgage payments bought by these
ue to issuance of sub-prime
was immediately following that of the
three organizations.
mortgages changes in the
grant deed on the property. At times the
mortgage market occurred.
mortgage lender would service his trust
D
Homeowners must be very vigilant when
deed, at other times the lender would
working with their mortgage lender or
assign the servicing of the trust deed to
service agent. There are many pitfalls to
an agent. The trust deed contained the
avoid. But first a little background.
name of the lender, the amount of the
The May/June 1995 issue of
mortgage, and the maturity date of the
Common Assessment contained a
loan.
Homeowners’ Corner article on “Who
Should the homeowner refinance
Has My Mortgage? This is now being
the mortgage to obtain a lower interest
revisited as there have been many
rate or for some other reason, a new
changes in the recording of trust deeds
deed of trust was recorded giving the
by many of the originators providing
name of lender, be it the same one or a
mortgages to homeowners. This is
new one. In many cases the new lender
causing much confusion, especially
did not service the refinanced mortgage
when mortgages are foreclosed.
but allowed the prior lender to do so
The homeowner real estate bubble
or assigned the mortgage to a new
that broke in approximately 2007, has
servicing agent. It should be noted at
been investigated, not only as to the
this time that the servicing agent was
cause, but also to the fall out. This
not the lender (owner) of the mortgage
article will deal with the fall out only.
and had no voting power when the
Prior to 2000 knowing who the mortgage lender and/or servicing
lender had to vote on the amendments
Continued on page 28
Readers of this column are encouraged to send their opinions on the above and suggestions for future columns to samdolnick@ juno.com or by phone, 619-697-4854. Sam Dolnick has served as president of his association, is a former homeowner representative of the San Diego Chapter Board of Directors, former homeowner trustee of CAI National, and former director of the CAI Foundation for Community Association Research. He is currently homeowners’ delegate on the California Legislative Action Committee, and president of the Baker/Dolnick Education Foundation.
Guest articles are always welcome!
when the Covenants, Conditions and
COMMON ASSESSMENT MAGAZINE • SUMMER 2011
27
New Members Welcome to CAI-San Diego! You've joined a premier organization dedicated to the betterment of common interest communities. Angelus Waterproofing & Restoration........ 1/11 Association Capital Bank, a Division of Texas Capital Bank. .............................. 1/11 Ben's Asphalt, Inc. ........................................ 2/11 Carriage Square Estates HOA..................... 1/11 First Associations Bank ................................ 2/11 Kasdan, Simonds, Weber & Vaughan, LLP .2/11 La Jolla Village Southpointe HOA . ............ 2/11 McClure Management, Inc. ......................... 3/11 MeterNet....................................................... 1/11 NK Towing and Road Service . .................... 3/11 Rancho Hills Landscape, Inc. . ..................... 2/11 San Diego Roof Doctor ............................... 2/11 Sharon Fortmueller ...................................... 3/11 Sherwin-Williams Company . ....................... 3/11 Susan Roman Alvarado ................................ 1/11 Tamarack Pool Center . ................................ 3/11 Tom Freeley................................................... 2/11 January/February/March 2011
serviced by the originator of the pooled
every time a financial instrument containing
mortgage who then collected a monthly
mortgages is sold, every mortgage (deed
fee for doing so. The originator of the
of trust) and note (obligation to pay the
described above it was fairly easy for the
pooled mortgage could sell the rights to
debt) presumably have to be re-recorded
homeowner to know who the lender was,
service the mortgage to a third party as
in US County courts and recordation
who had the legal right to foreclose on
there was and is a market for such servicing
fees have to be paid. So, the financial
the property should mortgage payments
rights.1
industry, eager to trade in mortgage based
HOMEOWNERS' CORNER Continued from page 27
Because of the sequence of events
become excessively delinquent, and who had the right to vote on amendments. However, with the breaking of the
Starting in the early 2000s, private label
Securities, needed to find a way around
MBS were issued with little or no credit on
those recordation requirements. And this
pools of these risky sub-prime mortgages
is how MERS was born to replace public
real estate bubble, because of sub-prime
and these MBS posed significant credit
recordation with a private one. The MERS
mortgages, this process became more
risk. Volume of these risky instruments
legal stance is currently widely challenged,
complicated. Banks and private firms, as
grew rapidly until 2007, when defaults
with focus on legal inconsistencies, which
originators, began to place a great number
accelerated and the market values of the
originally looked trivial, but in fact may
of mortgages into what became known
instruments plunged.1
reflect the complete dysfunction within the
as mortgage-backed securities (MBS).
Now we come to the scary part: the
entire mortgage securitization approach
These pooled mortgages were sold on the
recording of the deed of trust. “One of the
itself and therefore have a profound impact
securities markets as bonds to financial
critical components of the securitization
on financial system.”2
institutions and private individuals. It
[MBS] system is Mortgage Electronic
became impossible to know who owned
Registration systems (MERS) created in
paragraph. Any homeowner who bought
the mortgage on a particular home as
1990s, which made it legally possible to
a CID or refinanced their mortgage in the
there may have been multiple owners,
reassign underlying mortgages without a
past five years should double check to
each with a small portion of the mortgage.
cumbersome recordation process in county
see whether or not their deed of trust is
These pooled mortgages would be
court as customary required. Indeed, since
recorded in the County Recorder’s Office
28
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
Note the italized sentence in the last
of the county in which the property is located. If not, then there may be a private recording and it may be difficult to find who owns the mortgage. Knowing the owner of the mortgage is important in case of a foreclosure, or if there is some other question in regard to the sale of the unit or lot, or it is necessary for the owner of the mortgage to vote on CC&R amendments. Also there should be no confusion between the owner of the mortgage and the agent who is servicing the loan. And finally, an article by Kenneth Harney, real estate expert, who appears each Sunday in the San Diego UnionTribune, writes “When you take out a home mortgage, do you expect to be treated fairly and competently by your bank or loan service? Most likely you do. But the widely publicized ‘robo-signing’ and foreclosure scandals suggesting that for thousands of homeowners, fair dealing and competence have not been routinely available at some of the largest mortgage servicing operation in the country.”3 The issuance of sub-prime mortgages and the resulting break of the real estate
driven by results & passionate about proaCtive improvements
bubble has caused so much trouble, and unfortunately will continue to have repercussions for many years to come. 60 Minutes correspondent Scott Pelley recently reported on two stories “The Next Housing Shock" and "Mortgage Mess: Do you really know who owns your mortgage?" The amount of fraud uncovered was devastating. If you would like to see that story, go to www.cbsnews. com/video/watch/?id=7361572n&tag=cont entMain;contentBody 1 Google on Mortgage-Backed Securities, www. riskglossary. com/articles/mortgage_backed_security.htm 2 www.en.wikipedia.org/wiki/Mortgage-backed_security 3 Kenneth Harney, “Borrower’s bill of rights on mortgage servicing would change the game,” San Diego Union-Tribune, March 20, 2011, Business Section, C-1.
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29
2011 Board of Directors Cyndi Koester, PCAM – President
Cyndi is the AVP, Regional Account Executive for Southern California with Mutual of Omaha Bank. Cyndi joined Mutual of Omaha Bank in January 2005 where she primarily does sales and marketing for the HOA Division. Prior to joining Mutual of Omaha Bank, Cyndi served as Director of Education/Membership for CACM. Cyndi has been involved in the CID industry since 1980 including portfolio and on-site management. In addition, she was the general manager for a large management firm in Irvine, CA. Cyndi has also served on the board of directors for the Coachella Valley Chapter of CAI as President. Cyndi is a frequent speaker for CAI and CAI National and a CACM Faculty Member. Cyndi earned her CMCA, AMS, PCAM designations through CAI and has previously held a CCAM for 16 years.
Louise Stettler – President Elect
Louise Stettler has been with the Law Firm of Epsten Grinnell & Howell, APC for 11 years. She is currently serving with the San Diego Chapter of CAI on the Board of Directors, Membership Committee, Golf Committee, Monte Carlo and Common Assessment magazine committee. She was awarded San Diego Chapter Member of the Year, Committee Member of the Year, and the President's Award. In Coachella Valley she has served on the Board of Directors, was recipient of the Member of the Year Award, President Awards. A former elementary school teacher, Louise is a graduate of St. John's University, Jamaica New York.
Rick Salpietra – Vice President
Richard Salpietra is an attorney and member of the Executive Committee of Community Associations Institute, San Diego Chapter. He is a member of the College of Community Association Lawyers (CCAL) and a member of the National Board of Trustees. Having been a member of the San Diego Board of Directors from 1999 to 2002, and 2008 to the present, he was Chapter president in 2003 and 2009. He has served on the Monte Carlo, Membership, Magazine, Day at the Races, Billiards, and Awards Banquet committees, as well as the CAI National Conference Committee. He has also been a Director of the Baker-Dolnick Education Foundation. In 2004, Mr. Salpietra was awarded CAI–San Diego Chapter's Sam Dolnick Lifetime Achievement Award for his extensive service to the Chapter.
Marie Donovan - Secretary
WARD & HAGEn LLP
Marie Donovan has served on CAI’s Educational Services Committee for almost 8 years. Marie has a work background of over 30 years industrial engineering experience in project management and process improvement/management in banking and aerospace. She also has had over ten years experience serving as president, vicepresident and director at two homeowners associations, where she introduced structured strategic planning and project management principles to conduct business and accomplish association objectives.
Tina Rozycki – Treasurer
Serving HOA Clients Throughout San Diego County HOA General Counsel Insurance Issues
Construction Disputes Litigation
Mediation/Arbitration Collections
Contact: Kirk Yake 440 Stevens Avenue, Suite 350 Solana Beach, California 92075
858.847.0505 30
www.wardhagen.com
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
Tina Rozycki is Vice President of Property Management at Curtis Management Company in San Diego and has been involved in community management since 1989. Tina has served on chapter committees including the CLAC Committee, and the Magazine Committee. Tina is also active in her community while serving on the Board of Troop 1212.
Chris Hodge, PCAM – Immediate Past President Chris Hodge is President of Elite Community Management in Rancho Bernardo and has been involved in community management since 1987. Chris has served on various chapter
committees throughout his many years of involvement, including the CLAC Committee, Managers Breakfast Committee and Membership Committee. He served as the Chapter’s President in 2002 and received his PCAM in 2008.
Kerry Beatty, PCAM
Kerry Beatty is the Managing Partner of Packard Management Group with over 15 years experience in all phases of common interest developments. Kerry has also worked as a Director in the San Diego division of a large national homebuilder and established the DRE and HOA Services Department for the builder, which worked with all new communities, including mixed-use projects in the urban environment. She has acquired particular expertise in common area turnover and transition and fire protection and life and safety issues. At PMG, Kerry oversees the operations of the Association Management Division, business development and for setup/transitioning for all new communities.
Elaine Gower
Elaine Gower is the Business Development Liaison with Dicks, Coglianese, Shuquem. Elaine has over nineteen years of experience in the legal industry. Elaine obtained her marketing degree from University of California at San Diego Extension in 2004. Elaine is an active member of both the California Association of Community Managers (CACM) and the Community Associations
Institute (CAI) and currently serves as the Education Services Committee Chair and on the CAI San Diego Board. Elaine is also a member of the American Marketing Association, UCSD Alumni Association, is a Founding Board of Director Member of Concerned Athletes Foundation in conjunction with Challenged Athletes Foundation and Operation Rebound. Elaine devotes much of her time to triathlon training, competing on behalf of the Challenged Athletes Foundation. Continued on page 32
Jim Fraker, CCAM, PCAM
Jim Fraker, CCAM, PCAM, has been in the property management business 32 years and with Professional Community Management (PCM) for 25 years. Jim’s position of Vice President includes supervising ten community managers who manage fifty-five homeowner associations. Jim is a CAI San Diego Board member and just for fun is a member on his own association’s board. Jim is originally from Michigan and obtained his BA degree in Economics at the University of Michigan (Go Blue!). In his spare time, Jim enjoys outdoor activities such as hiking and golf.
Elizabeth French, Esq.
Elizabeth A. French is a Partner in the law firm of Green Bryant & French, LLP. Her practice emphasizes the representation of community associations in all aspects of the law. Ms. French is also experienced in representing individuals in tort and personal injury actions. Further, Ms. French is experienced in advising and representing employers in all aspects of employment law. Ms. French earned a bachelor of arts degree in psychology from St. Mary’s College of Notre Dame, Indiana in 1990. In 1993, Ms. French earned her juris doctor degree from Gonzaga University School of Law in Spokane, Washington. In addition to graduating in the top tier of her class, Ms. French was active and successful in the moot court program at Gonzaga University.
COMMON ASSESSMENT MAGAZINE • SUMMER 2011
31
2011 BOARD OF DIRECTORS
Continued from page 31
Co-Lee Grev, PCAM
Ms. Grev’s bio was not available at press time.
Becky Groenewold, PCAM
Becky has over twenty years experience in the housing industry. She joined PCM in 1999 and was promoted to on site management in 2005. She is currently the General Manager of a master planned community in Oceanside. Becky has been actively involved in the chapter, currently serving on the CAI Board, and also serving as Co-Chair on Monte Carlo Committee, and Chair of Membership Committee for two years and Public Relations Committee member.
Jason Payne
Providing Community Associations with Insurance Solutions BERG INSURANCE AGENCY, INC.
23651 Birtcher Dr., Lake Forest, CA 92630 5055 Avenida Encinas, Suite 100, Carlsbad, CA 92008 800.989.7990 phone 949.586.9877 fax
Jason Payne is the Vice President of Operations at Payne Pest Management, Inc. which currently serves San Diego, Orange, Los Angeles and Ventura counties. In 2007 Jason joined the CAI San Diego Chapter and started building relationships within the CID industry. In 2009 he became a Board Member of the San Diego Chapter. Jason holds a Bachelors of Science Degree and a Masters in Business Administration. He is also currently licensed as a Field Representative in Branch II (general pest control) and Branch III (wood destroying pests and organisms) with the State of California Pest Control Board as well as a QAL (qualified applicator license) with the Department of Pesticide Regulation.
Shannon Smith
Shannon Smith is the Business Development Director for Reconstruction Experts, Inc., one of the leading general contractors in Southern California specializing in HOA reconstruction. She is an active member in CAI and CACM and sits on the Education Committee and Billiards Committee for the San Diego Chapter. She has been a member of CAI San Diego for two years and joined the Board of Directors in 2011. Shannon graduated Cum Laude with a Bachelor of Arts degree in Psychology and German from California State University, San Marcos.
Karina Tatum
Karina Tatum is the President of S.D. Preferred Property Managers and has been involved in the community association circuit for over six years. She participates in CAI and is a member of the Education Services Committee, the Public Relations Committee, the Day at the Races Committee and the Billiards Committee. She enjoys the everyday challenges that come with managing homeowners associations as well as volunteering her time to CAI and staying active in committees. 32
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
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SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
Two Dates! Two Locations!
June 18 Program Courtyard by Marriott 8651 Spectrum Center Blvd. San Diego, CA 92123
Melrose Event Center 2215 S. Melrose Dr., Ste 104 Vista, CA 92081
Member FDIC
34
Board Fundamentals
July 16 Program
Jan Hickenbottom
www.FirstBankHOA.com
CAI-SAN DIEGO MORNING EDUCATIONAL PROGRAM
SAN DIEGO 2011 CAI-CLAC HONOR ROLL By Sam Dolnick, CAI-CLAC Delegate-at-Large
The CAI-CLAC Honor Roll is being presented for the third year. All individuals involved in common interest communities, whether they are associations, homeowners, professionals, managers or business partners, who have contributed funds to CAI-CLAC in 2011 to assure that our voice is heard in the halls of the California legislature are to be congratulated. CAI-CLAC monitors legislation regarding common interest developments (condominiums, planned developments, stock cooperatives and community apartment projects) that the legislators are asked to deliberate and vote upon each year. The San Diego Chapter reached its 2010 goal of $28,528. A heart felt thanks to all contributors. ABSOLUTELY NO FUNDS are given to any political party or to any candidate. All funds are used solely for issue oriented legislation affecting CIDs. However, our legislative advocate must be paid and items like stamps, stationery, phone calls, rent, maintenance of web site and other similar expenses must be paid. Our thanks to the following contributors from January 1 to March 31, 2011. 2011 Goal = $28,115 $5,243 Collected to Date Sam Dolnick
Elite Community Mgmt
Andalucia Town Homes HOA Lisa Isaacson, AMS CCAM
Ocean Terrace HOA Frank Lombard
Calle Ryan HOA Paul Zenner
Playmor Bernardo HOA Ed Roth, PCAM CMCA
Carmel Trails HOA Walters Management
Riviera Del Mar Arch. Comm. Corp Helen Kaufmann
Coronado Shores Condo Assn #6 Jim Liese CMCA AMS CCAM Rock Springs East C.C.A. Elite Community Mgmt Fairfield HOA S.B.S Lien Services Fairway Pointe OA Mitch Willet Elite Community Mgmt Seven Oaks Mgmt Corp #4 Il Palio HOA Gerie Vellios Lisa Isaacson, AMS CCAM Stoneridge Chateaus La Jolla Soledad West HOA Elite Community Mgmt Lisa Isaacson PCAM CCAM Masters Hill OA
Vermont Villas Condo HOA Dawn Walters Villa Marbelle HOA Robert Donaldson Village Park Townhome Corp. #3 Liz Beiner Woodbridge Estates HOA Lisa Isaacson, AMS CCAM Woodcrest Heights HOA Elite Community Mgmt
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COMMON ASSESSMENT MAGAZINE • SUMMER 2011
35
What’s Coming Up
Thank You to our February 4th Trade Show Exhibitors
A QUICK REFERENCE GUIDE TO THE CHAPTER'S UPCOMING EVENTS
Advanced Painting and Wood Repair
Accurate Termite & Pest Control Agricultural Pest Control Services Angelus Waterproofing & Restoration Animal Pest Management
June 23-25 CEO-MC Retreat Salt Lake City The CEO-MC Retreat is an executive education program developed exclusively
Arborwell Artistic Maintenance, Inc. AV Builder Corp.
for senior executives in the community association industry. As a decision maker in the
Ben's Asphalt, Inc.
business of community association management, your actions and choices affect the 60
Bob Piva Roofing
million Americans who reside in more than 300,000 association-governed communities. Your participation in this event brings you face to face with industry experts, engages you in high-level, facilitated discussions about key topics and broadens your network with other senior executives. Most importantly, it strengthens your business development opportunities by updating you on the latest management and technology trends, introducing you to resources that can improve your bottom line and prepare you for challenges in the highly competitive community associations market.
Brinks Services California West Patrol Del Mar Pacific General Contractors, Inc. Dunn-Edwards Corporation Emercon Construction Epsten Grinnell & Howell, APC First California Bank Green Valley Landscape & Maintenance, Inc. Interiors: By Design
July 15 Morning Program
JW Cleaning & Restoration
Getting the Most Out of Your Membership
LaBahn's Landscaping
Learn how to get the most for your money out of your CAI membership. As a manager, learn about networking, learning about the latest trends, getting certified and increasing education, as a Homeowner/Board Member learn about the value of the magazine, directory, and Board Education opportunities, and as a Business Partner learn about the value of committee membership, Mini-Trade Shows, advertising and how to connect with your clients. As a group, learn about the dynamic between each membership classification, and the “proper care and feeding” of each other. This program is a great opportunity to increase your effectiveness!
Landsystems Mailboxes 'R' Us MeterNet Mt. Helix Pest Control New Way Landscape & Tree Services Nu Flow America O'Connell Landscape & Maintenance Pacific Western Bank Payne Pest Management Personal Touch Cleaning & Maintenance, Inc.
August Day at the Races It sells out every year! A wonderful day
Premier Roofing CA PrimeCo Painting & Contruction
at the Del Mar Races, with a delicious buffet
Reconstruction Experts, Inc.
and plenty of time to interact with everybody
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about your favorite jockey outfit, or just enjoy
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August 26 – Trade Show Cybercrime and Embezzlement With technology so prevalent in all of our lives, we need to be aware of the dangers that come along with it. Hear about the different crimes being committed today and how your association can be prepared!
Summit Security Three Phase Electric Transport Data Systems US Bank Western Towing WICR
36
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
around san diego
Thank you to our March 2nd Educational Program Sponsors MORNING PROGRAM – SAN DIEGO
AFTERNOON PROGRAM – CARLSBAD
Epsten Grinnell & Howell, APC
American Geotechnical, Inc.
N.N. Jaeschke, Inc.
G4S Secure Solutions, Inc.
O’Connell Landscape Maintenance
Keith Monroe & Company
Pacific Western Bank
Prendiville Insurance Agency
ProTec Building Services
ServPro Industries
SBS Lien Services
Universal Protection Service
Cat Coltrell, CMCA, PCAM has joined First Association Bank as its Senior Vice President of Marketing and Business Development. A community manager from 1987 through 2004, Cat's PCAM credential gives her a unique advantage in serving the bank’s clients as a peer.
Alan D. Seilhammer comes to First Association Bank as one of the leading lenders in the country specialized in providing financing to the community association industry. In his prior position, he developed the first community association loan program delivered nationally that was state specific. RSI traveled up to the NRCA’s International Roofing Expo held up in Las Vegas, NV to celebrate
Frank Delgado winning an MVP Award for “Outstanding on the Job Performance.” Out of thousands of candidates nationwide, Frank was chosen
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COMMON ASSESSMENT MAGAZINE • SUMMER 2011
37
Service Directory Display advertisers receive a complimentary listing in the Service Directory.
ACCOUNTANTS Sonnenberg & Company Leonard Sonnenberg................ 858-457-5252 fax 858-457-2211 lens@sonnenbergcpas.com www.sonnenbergcpas.com
ARBITRATION & MEDIATION Mediation Solutions Mary Delmege........................... 760-504-7977 fax 760-745-6131 mfdelmege@cox.net www.marydelmege.com
ATTORNEYS Anderson & Kriger Janet Wilcox.............................. 619-589-8800 fax 619-464-2600 jwilcox@a-khoa.com www.a-khoa.com Epsten Grinnell & Howell, APC Jon Epsten, Esq........................ 858-527-0111 fax 858-527-1531 jepsten@epsten.com www.epsten.com Fenton Grant Mayfield Kaneda & Litt, LLP Katy Krupp................................. 949-554-0700 fax 949-554-0707 kkrupp@fentongrant.com www.fentongrant.com Greco Traficante Schulz & Brick, APC Peter Schulz............................... 619-234-3660 fax 619-234-0626 pjs@gtlaw.cc www.gtlaw.cc Peters & Freedman, LLP David M. Peters......................... 760-436-3441 fax 760-436-3442 www.hoalaw.com
ATTORNEYS CONT'D
DECKING & DECK COATING
Ward & Hagen, LLP Kirk Yake..................................... 858-847-0505 fax 858-847-0105 kyake@wardhagen.com www.wardhagen.com
ProTec Building Services, Inc. Julie Villeli.................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
BUILDING MAINTENANCE PROGRAMS ProTec Building Services, Inc. Julie Villeli.................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
COMMUNITY ASSOCIATION MANAGEMENT Associated Professional Services Neal Chazin......................619-299-6899 x101 fax 619-299-8242 nchazin@apsmanagement.com www.apsmanagement.com S.H.E. Manages Properties, Inc. Karen Martinez, CCAM ..........................................619-291-6300 x 320 fax 619-291-8300 karen@shemanages.com www.shemanages.com Walters Management Joe Farinelli............................... 858-495-0900 fax 858-495-0909 jfarinelli@waltersmanagement.com www.waltersmanagement.com Curtis Management Company Patrick S. Campbell, CCAM....... 877-587-9844 fax 858-587-9972 pcampbell@curtismanagement.com www.curtismanagement.com
CONSULTING Curtis Management Company Patrick S. Campbell, CCAM....... 877-587-9844 fax 858-587-9972 pcampbell@curtismanagement.com www.curtismanagement.com
CONSTRUCTION MANAGEMENT Sullivan Construction Management Pat Sullivan................................. 619-722-7580 fax 866-306-6804 pat@sullivancm.com
Law Offices of Richard Salpietra Rick Salpietra............................. 858-756-2233 fax 858-759-9938 rsalpietra@salpietra.com www.salpietra.com
38
SUMMER 2011 • COMMON ASSESSMENT MAGAZINE
WICR, Inc. Kelly Durham............................. 760-327-8641 fax 760-327-8642 kelly@wicr.net www.WICR.net
EMERGENCY RESTORATION SVCS. Clean Earth Restorations Rachel Roberts.......................... 619-284-4239 fax 619-284-4279 rachel@cleanearthrestorations.com www.cleanearthrestorations.com
FACILITIES ENGINEERING ProTec Building Services, Inc. Julie Villeli.................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
FENCING/GATES Fenceworks, Inc. Tom Barrett................................ 760-724-8131 fax 760-724-2513 tbarrett@fenceworks.us www.fenceworks.us ProTec Building Services, Inc. Julie Villelli................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
FINANCIAL SERVICES First Bank Jan Hickenbottom.................... 800-848-6771 fax 949-477-0255 Jan.hickenbottom@fbol.com www.FirstBankHOA.com Mutual of Omaha Bank / CondoCerts Cyndi Koester............................ 949-235-8498 fax 888-493-1973 ckoester@cabanc.com www.cabanc.com Pacific Western Bank Ken Carteron............................. 760-432-1335 fax 760-432-1339 kcarteron@pwbonline.com www.pwbonline.com
FINANCIAL SERVICES CONT'D. Popular Association Banking Larry Hooper.............................. 714-864-5171 fax 714-864-5190 lhooper@bpop.com www.bpop.com Union Bank Michelle Hill............................... 800-669-8659 fax 951-281-1449 michelle.hill@unionbank.com www.unionbank.com
MAINTENANCE & REPAIR ProTec Building Services, Inc. Julie Villeli.................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
LANDSCAPE MAINTENANCE AND/OR CONSTRUCTION cont'd Pacific Green Landscape, Inc. Stephanie Lundstrom............... 619-390-9962 fax 619-390-0865 stephanie@pacificgreenlandscape.com www.pacificgreenlandscape.com Steven Smith Landscape Gigi Golden-Smith.................... 760-745-9916 fax 760-745-1982 ggolden@stevensmithlandscape.com www.stevensmithlandscape.com
LIGHTING ProTec Building Services, Inc. Julie Villeli.................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
GENERAL CONTRACTORS Del Mar Pacific Michael Bruce............................ 858-792-1500 fax 858-792-0076 mbruce@delmarpacific.com www.delmarpacific.com ProTec Building Services, Inc. Julie Villeli.................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
GRAFFITI REMOVAL ProTec Building Services, Inc. Julie Villeli.................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
INSURANCE Berg Insurance Agency Kimberly Lilley, CMCA, CIRMS....800-989-7990 fax 949-586-9877 kimberly@berginsurance.com www.berginsurance.com
JANITORIAL ProTec Building Services, Inc. Julie Villeli.................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
PAINTING CONTRACTORS Pro-Tech Painting Chris Cena................................. 858-527-0200 fax 858-527-0220 chris@pro-techpainting.com www.pro-techpainting.com
PEST CONTROL Payne Pest Management Jason Payne............................... 858-277-2228 fax 858-277-2212 jpayne@paynepestmgmt.com www.paynepestmgmt.com
PLAYGROUND AUDITS & INSPECTIONS ProTec Building Services, Inc. Julie Villeli.................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
RESERVE STUDIES Association Reserves San Diego LLC Matthew Swain, RS................... 619-567-5239 fax 619-568-3564 mswain@reservestudy.com www.reservestudy.com Sonnenberg & Company Leonard Sonnenberg................ 858-457-5252 fax 858-457-2211 lens@sonnenbergcpas.com www.sonnenbergcpas.com
ROOFING Premier Roofing Bill Capito.................................. 619-667-4565 fax 619-667-1281 billc@premierroofingca.com www.premierroofingca.com
SECURITY SERVICES Bald Eagle Security Dmitriy Todorov......................... 619-230-0022 fax 619-230-6610 dmitriyt@baldeaglesecurity.com www.baldeaglesecurity.com
TOWING Western Towing Kathy Tighe................................ 619-297-8697 fax 619-296-2822 denisetb@westerntowing.com www.westerntowing.com
WATER SUBMETERING California Sub-Meters Robert Anaya............................. 858-571-8999 fax 858-571-4470 robert@calsubmeter.com www.calsubmeter.com
RAINGUTTER/DOWNSPOUT CLEANING ProTec Building Services, Inc. Julie Villeli.................................. 858-569-1080 fax 858-569-1088 jvillelli@protecbsi.com www.goprotec.com
LANDSCAPE MAINTENANCE AND/OR CONSTRUCTION LaBahn’s Landscaping Michael Salsberry...................... 619-579-9151 fax 619-461-0814 msalsberry@labahns.com www.labahns.com COMMON ASSESSMENT MAGAZINE • SUMMER 2011
39
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