Common Assessment Magazine April May June 2011

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

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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

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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.

6

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

8

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.

10

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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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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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.

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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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present. Get ideas for bets on horses, chat

RSI Roofing Services, Inc.

about your favorite jockey outfit, or just enjoy

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Silldorf & Levine, LLP

the Races!

Sky Security Services Steven Smith Landscape

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

1081 Camino del Rio South Suite 207 San Diego, CA 92108

CAI-SAN DIEGO Marketing Plan MeMbers

2011 Marketing Plan MeMbers Bronze

PLATINUM

Peters attOrneYs at LaW

&

Freedman

, L.L.P.

GOLD Anderson & Kriger Animal Pest Management Landsystems, Inc. Mutual of Omaha Bank/CondoCerts Park West Landscape Maintenance Inc. Premier Roofing CA, Inc. RSI Roofing Services, Inc. Western Towing

Anderson & Kriger Artistic MAintenAnce AssociAtion reserves sAn diego, LLc Av BuiLder Berg insurAnce Agency cLeAn eArth restorAtions BRONZE eMercon construction FeinBerg grAnt MAyFieLd KAnedA & Litt LLPControl Accurate Termite & ,Pest interiors: By design Arborwell LABAhn’s LAndscAPing Artistic Maintenance LAndsysteMs, inc. Association Reserves San Diego, LLC LAw oFFices oF richArd sALPietrA AV Builder Corp.

MAster PLuMBing & LeAK detection Bald Eagle Security Services Mt. heLix Pest And terMite controL Berg Insurance Agency new wAy LAndscAPe & tree service Clean Earth Restorations o’conneLL LAndscAPe Emercon Construction PAciFic green LAndscAPe Fenceworks, Inc. PAtio guys Fenton Grant Mayfield Kanada & Litt, LLP reconstruction exPerts First Bank Association Services rodent Pest technoLogiesFirst California Bank sBs Lien services LaBahn’s Landscaping serviceMAster By rAPid LawresPonse Offices of Richard Salpietra sKy security services Master Plumbing & Leak Detection us BAnK Mt. Helix Pest & Termite Control westturF LAndscAPe MAnAgeMent New Way Landscape & Tree Service

O’Connell Landscape Maintenance Payne Pest Management Personal Touch Cleaning & Maintenance, Inc. Popular Association Banking ProTec Building Services Pro-Tech Painting Reconstruction Experts SBS Lien Services ServPro of La Jolla Sullivan Construction Management Summit Security Union Bank US Bank