2023 December HOA Living Magazine by CAI-Coachella Valley Chapter

DECEMBER 2023

MAGA ZINE

COMMUNITY ASSOCIATIONS INSTITUTE | COACHELLA VALLEY CHAPTER

Friday, December 1, 2023 Shields Date Garden

DECEMBER IS A TIME FOR GIVING AND BUILDING COMMUNITY!

Ask the Attorney Program

FEATURES

10 Can HOAs Support Charities? 12 Working with Desert ARC’s

Business Services Crew Instills a Sense of Giving Back

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HOA Living | DECEMBER, 2023

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NEW AND RENEWING MEMBERS RENEWING BUSINESS PARTNERS EMPIREWORKS Mr. Chet Oshiro (888 )278-8200 coshiro@empireworks.com

LABARRE/OKSNEE INSURANCE Ms. Christy Brian (949) 716-8764 christyb@hoa-insurance.com LLOYD PEST CONTROL Mr. Curtis Smith (760) 460-1181 Curtis.smith@lloydpest.com PATTON DOOR & GATE Mr. Al Johns, Jr. (760) 250-7993 aj@pattondoorgate.com POPPIN PROMOTIONAL PRODUCTS Ms. Deborah Judd Conlon, CMCA (951) 536-8956 dj@poppinpromos.com RICHARDSON|OBER, LLP Ms. Nancy Perez (626) 449-5577 nancy@roattorneys.com SCT RESERVE CONSULTANTS, INC. Mr. Michael C. Graves, RS (951) 296-3520 mike.g@sctreserve.com WCA, INC. Mr. Isaac Garza (760) 984-5240 igarza@wcainc.com RENEWING MANAGER MEMBERS Ms. Monique Kerrigan, AMS (760) 485-3051 mokerrigan@yahoo.com SEABREEZE MANAGEMENT COMPANY, INC. Ms. Alisa Toalson (951) 808-3587 alisa.toalson@seabreezemgmt.com 4

HOA Living | DECEMBER, 2023

DESERT RESORT MANAGEMENT Ms. Amber J Andaya (760) 799-3129 aandaya@drminternet.com Mrs. Cari A Burleigh, CMCA, AMS (760) 345-4349 (2102) cburleigh@drminternet.com Mr. William Clifford, CMCA, AMS, PCAM (760) 625-5971 bclifford@drminternet.com Mrs. Jamie A Dodge, CMCA, AMS, PCAM (760) 346-1161 JDodge@drminternet.com Ms. Rebecca F. Garrett, CMCA, AMS (760) 851-4465 bgarrett@drminternet.com Ms. Genney Groesbeck (760) 346-1161 ggroesbeck@drminternet.com Mr. Abraham Islas (760) 346-1161 xaislas@drminternet.com Ms. Ciara Shuster (760) 346-1161 cshuster@drminternet.com Ms. Paula Tapia, CMCA, AMS, PCAM (760) 766-6354 ptapia@drminternet.com Mrs. Tracy A. Young, CMCA, AMS (760) 399-7310 tracyyoung@drminternet.com DESERT SHADOWS RV RESORT OA, INC. Mr. David Smith (760) 321-7676 resortmanager@desertshadowsrv.org LAKES COUNTRY CLUB ASSOCIATION Mr. Ronald Lance Phipps, CMCA, AMS, LSM, PCAM (760) 568-4321 rphipps@thelakescc.com

SEABREEZE MANAGEMENT COMPANY, INC. Mr. Jon Jay Gann (760) 989-7123 Jonny5jay@gmail.com Ms. Alisa Toalson (951) 808-3587 alisa.toalson@seabreezemgmt.com SHADOW MOUNTAIN HOA Ms. Cindy Calquhoun (760) 346-6123 cindy@shadowmountainresort.com THE MANAGEMENT TRUST, DESERT REGION Ms. Wendy C. Cross, CMCA, AMS (760) 776-5100 (6315) wendy.cross@managementtrust.com NEW HOMEOWNER LEADERS MIRA VISTA AT MISSION HILLS Mr. Jon Bernstein RENEWING HOMEOWNER LEADER MEMBERS THE ENCLAVE AT LAS COLINAS, INC. Mr. Art Gonzalez Mr. Erik Hernandez Mr. James Leighty Mr. Daniel Stafanis Ms. Emily Truman PDTC OWNERS ASSOCIATION Mr. Ross Cornelius Mr. Norm W Dewitt Mr. Jim Rusnak Ms. Sandee Smith Mr. Jim Stilwell Mr. Ted Turner POLO CLUB MAINTENANCE ASSOCIATION Ms. Sue Anderson Mr. Joe Ferris Ganem, III Ms. Louise Matheus Mrs. Pam Michno Mrs. Karen Shaer Mr. Shawn Stoller Ms. Cherrie Wallace

2023 HOA LIVING MAGAZINE COMMITTEE MEMBERS MEAGHAN GAFFNEY-HOWE, CMCA, AMS CHAIR The Gaffney Group, Inc.

RODNEY BISSELL, CO-CHAIR

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Bissell Design Studios, Inc.

ASHLEY LAYTON, PCAM, AMS, CMCA CO-CHAIR

Premier Community Association Management

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JENNIFER JAMES, ESQ. BOARD LIAISON HOA Legal Services

CHRISTOPHER BAIR

Securitas Security Services

BRIAN BERCE

Golden Alliance Insurance

SIERRA CARR, CMCA, AMS, CCAM, PCAM Associa Desert Resort Management

GREG GRITTERS

Vintage Landscape

GLENN A. MILLER, CGCS

Southwest Landscape & Maintenance, LLC

JAMIE PRICER

Coachella Valley Water District

JASON SAVLOV, ESQ.

FEATURES 10

Can HOAs Support Charities?

Working with Desert ARC’s Business Services Crew Instills a Sense of Giving Back

Adams | Stirling, PLC

STEVEN SHUEY, PCAM

Personalized Property Management (Ret.)

By Kathrene Wales

CHRIS SIGLER, B.S.C.E, CDT

C.L. Sigler & Associates, Inc.

LORENA STERLING, CAFM

Community Association Financial Services

CREATIVE DIRECTOR & GRAPHIC DESIGNER RODNEY BISSELL

Bissell Design Studios, Inc. rodney@bisselldesign.com (714) 293-3749 ARTICLE SUBMISSIONS OR ADVERTISING INFORMATION HOALiving@cai-cv.org SUBSCRIBER SERVICES

The Coachella Valley HOA Living Magazine is a publication expressly prepared for association leaders, managers and related business professionals of the Community Associations Institute. Members are encouraged to submit articles for publishing consideration. All articles accepted for publication in HOA Living are subject to editing and rewriting by the HOA Living Committee.

By CAI-CV HOA Living Magazine Committee

UPCOMING EVENTS 11

CAI-CV Annual Awards Night – DISCO

Save the Date – City of Indian Wells HOA Workshop

CAI-CV Sips & Shots Corks for CLAC Wine & Tequila Tasting

Friday, January 26, 2024, Agua Caliente Casino & Spa Saturday, January 20, 2024

Friday, December 1, 2023, Shields Date Garden, Indio

PAST EVENT PHOTOS & SPONSORS 22

CAI-CV Annual Legislative Update

CAI-CV Tiki Tee Time Happy Hour Golf

Friday, November 10, 2023, Sun City Palm Desert Thursday, November 16, 2023, Shadow Mountain Golf Club CAI-CV.org

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COMMUNITY ASSOCIATION BANKING

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Julie R. Balbini, Esq., Fiore Racobs & Powers, A PLC Micha Ballesteros, Cartwright Termite & Pest Control, Inc. Roxi K. Bardwell, Advanced Reserve Solutions, Inc. Rodney Bissell, Bissell Design Studios, Inc. Kimberly Burnett, DSI Security Services Gary Butler, Asphalt MD's Linda Cardoza, Alliance Association Bank Will Cartwright, Cartwright Termite & Pest Control, Inc. Todd Chism, PatioShoppers Angel Christina, Delphi Law Group, LLP Lori Fahnestock, Powerful Pest Management Dea Franck, Esq., Epsten, APC Julie Frazier, Frazier Pest Control, Inc. Elaine Gower, The Naumann Law Firm, PC Michael Graves, SCT Reserve Consultants Amanda Gray, Harvest Landscape, Inc. Jennifer James, Esq., HOA Legal Services Erin Kelly, Pacific Western Bank Megan Kirkpatrick, Kirkpatrick Landscaping Services Jared Knight, Vista Paint Corporation Katy Krupp, Fenton Grant Mayfield Kaneda & Litt, LLP Matt Lawton, CIC, CIRMS, Prendiville Insurance Agency Larry Layton, Kirkpatrick Landscaping Services Alison LeBoeuf, Sherwin-Williams Mike Mastropietro, OCBS, Inc. Chris Meyer, Asphalt MD's Greg Morrow, Eagle Roofing Products Fran Mullahy, Conserve LandCare Bridget Nigh, BEHR Paints Matt Ober, Esq., Richardson Ober DeNichilo LLP Chet Oshiro, EmpireWorks Mallory Paproth, SCT Reserve Consultants Elisa Perez, Esq., Epsten, APC Jay Powell, Ben's Asphalt Dana Pride, Automation Pride Mike Rey, Rey Insurance Services Kelly Richardson, Esq., Richardson Ober DeNichilo LLP Brent Sherman, Animal Pest Management Services, Inc. Liz Williams, AMS Paving Taylor Winkle, Roof Asset Management Bevan Worsham, AMS Paving Jolen Zeroski, First Citizens Bank

Become an Educated Business Partner Call the CAI-CV office or go to www.cai-cv.org for more information.

HOA Living | DECEMBER, 2023

2023 COACHELLA VALLEY CHAPTER BOARD OF DIRECTORS PRESIDENT JULIE BALBINI, ESQ.

CAI-CV

EDUCATED BUSINESS PARTNER

CAI-CV

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Managing Attorney, CV Office, Fiore Racobs & Powers, A PLC

PRESIDENT-ELECT ERIN KELLY

AVP, HOA Senior Manager Pacific Western Bank

SECRETARY BG (RET) GUIDO PORTANTE

DEPARTMENTS

INSURANCE 17 HOW IS SACRAMENTO DEALING WITH CALIFORNIA’S INSURANCE CRISIS? By CAI-CV’s CLAC Legislative Support Committee

28 TAKE ACTION ON CALIFORNIA’S INSURANCE CRISIS 34 INVESTIGATING INSURANCE SOLUTIONS By CAI’s CLAC Insurance Task Force

Director, Mira Vista at Mission Hills HOA CAI-CV

EDUCATED BUSINESS PARTNER

TREASURER JOLEN ZEROSKI, CMCA

VP, Regional Account Executive First Citizens Bank

DIRECTOR CLINT ATHERTON, PCAM

General Manager, Sun City Palm Desert

DIRECTOR MARK DODGE, CMCA, AMS

Branch President & CEO Associa Desert Resort Management (DRM) CAI-CV

EDUCATED BUSINESS PARTNER

DIRECTOR JENNIFER JAMES, ESQ.

Attorney, HOA Legal Services

DIRECTOR BRUCE LATTA, CMCA

Manager, Indio Properties/President, Desert Cities HOA Council

DIRECTOR MICHELLE LOPEZ, CMCA, AMS

Director of Community Management, Powerstone Property Mgmt. CAI-CV

EDUCATED BUSINESS PARTNER

DIRECTOR BRIDGET NIGH

Regional Account Manager, BEHR Paint Company

DIRECTOR LILY ORTEGA, CMCA

Office Manager, Pro Landscape CONTACT US CAI Coachella Valley 49950 Jefferson Street, Suite 130-117 Indio, CA 92201 (760) 341-0559 | www.cai-cv.org

CAL LOCKETT

Executive Director clockett@cai-cv.org The materials contained in this publication are designed to provide our members with timely and authoritative information; however, the CAI Coachella Valley Chapter is not engaging in the rendering of legal, accounting or other professional types of services. The Coachella Valley Chapter has not verified and/or endorsed the contents of these articles or advertising. Readers should not act on the information contained herein without seeking more specific professional advice from legal, accounting or other experts as required.

CAI NATIONAL 21 PREPARE FOR YOUR UPCOMING ANNUAL MEETING OR BOARD MEETING 26 CAI BRINGS COMMUNITY TO CONGRESS FOR 2023 ADVOCACY SUMMIT By Dawn M. Bauman, CAE

CLAC UPDATE 24 CAI-CLAC 2023: WHAT WE ACHIEVED 27 CLAC UPDATE ON YOUTUBE WATER 32 WATER SAVING TIPS TO SHOW GUESTS DURING THE HOLIDAYS By Coachella Valley Water District

SECURITY 36 ENSURING A SAFE AND JOYFUL HOLIDAY SEASON: PROTECTING YOUR HOME, HEALTH, AND YOUR HEART! By Christopher Bair

CHAPTER NEWS 4 6 8 9 14 14 33

NEW & RENEWING MEMBERS CAI-CV EDUCATED BUSINESS PARTNERS PRESIDENT’S MESSAGE ADVERTISERS LIKE & FOLLOW US ON FACEBOOK AND INSTAGRAM CAI-CV 2024 CALENDAR WELCOME ABOARD

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President’s Message Julie Balbini, Esq. Managing Attorney, CV Office, Fiore Racobs & Powers, A PLC

appy Holidays to all our members! December is a busy month, with residents and visitors arriving for the holidays. It is also a time when we think of giving to those less fortunate. In this issue, we have some encouraging articles to help you maximize your association’s community spirit by adopting local charities. We hope you will join with many other CAI-CV associations in this effort and adopt a charity this year. This is a great way to end the year. See page 10 for more information. I hope to see you all tonight (Friday, December 1) at our annual Wine & Tequila Tasting event at the beautiful Shields Date Garden in Indio. This year, you’ll be tasting champagne, wine, and tequila under the stars and surrounded by impressive date palms, while you enjoy the fabulous culinary offerings – who doesn’t love those bacon wrapped dates! It is a magical evening for you and your guests. The Silent Auction is one of the best in the Valley. At 3:30 p.m., the Education Committee will host its annual ASK THE ATTORNEY program where managers and community board members are welcome to bring their legal questions. My colleague, John MacDowell, Esq., CCAL, and I will be the attorneys answering your questions. The program will take place in the Shields Date Garden Theater and includes tickets to attend the wine and Tequila tasting event immediately following. You can find the registration link on page 40, or just show up and pay at the door. Later this month, the CAI-CV board will be assigning committee leadership positions (chairs and co-chairs, and board liaisons). I want to thank all our many volunteers who helped the Chapter succeed this year. Your efforts helped CAI-CV continue to be the primary source of education for community association managers, board members, and businesses that support HOAs, in the Coachella Valley. The 2024 leadership team will be announced in the January issue of HOA Living. If you would like to serve on the Chapter’s leadership team, please contact Cal Lockett at clockett@cai-cv.org. Many of you know that each year, at the Chapter’s annual Awards Night, we thank all our fantastic volunteers. I hope all our members will participate in the awards process. You should have received an invitation from The Inspectors of Election to participate in nominations for this year’s Chapter Awards. The awards will be presented at the annual Awards Night on Friday, January 26, at Agua Caliente Casino in Rancho Mirage. Come join us and enjoy a fun Disco-themed party with dancing, great food, champagne, dozens of door prizes, silent auction, and the opportunity to win a $1,000 grand prize. Early-bird discounted tickets are still available. Look for the registration link on page 11. The CAI-CV 2024 calendar is on page 14. As the chapter continues to focus on education and networking, you may notice that most of our educational events next year are directly tied to mini trade shows. We hope this will help foster the relationship between managers, board members and CAI-CV’s top-tier HOA vendors. Also, in 2024, you will see that the Homeowner Leaders Committee has been working with local cities to help residents learn how to navigate homeowner issues with their HOA and city government. We are excited to have three HOA workshops scheduled in the first quarter. On Saturday, January 20, the City of Indian Wells will host a workshop at the VUE Grille & Bar. The City of Palm Desert will host their workshop on Saturday, February 24, at Sun City Palm Desert, and the City of Indio will host their workshop at Sun City Shadow Hills on Saturday, March 9. Residents, managers, and HOA board members are invited to attend these free workshops in their cities. And, yes, there will be a mini trade show at each event. You can RSVP for these workshops online at www.cai-cv.org or click on the link on page 15. As many of our readers know, CAI’s California Legislative Action Committee (CLAC) is the primary

HOA Living | DECEMBER, 2023

Julie

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YOUR HOA CAN BE OUR NEXT COVER APRIL 2022

watchdog with Congress and the California Legislature when it comes to protecting the HOA industry from onerous legislation and working to get helpful legislation adopted. CLAC has just finished another successful year. See page 24 for an update on new California laws and CLAC successes. We held our own Legislative Update at Sun City Palm Desert on Friday, November 10, where we reviewed these new laws and regulations. I want to thank the Programs Committee and my co-presenters Christina Baine DeJardin, Esq., Partner, Delphi Law Group, LLP, and California Legislative Action Committee (CLAC) Lobbyist, Louie Brown, Jr., Esq., from Kahn, Soares & Conway, LLP, for their help with our review and presentation. Thanks too to Mark Guithues, Esq., from Community Legal Advisors, Inc., for his help with the program. If you would like a copy of the presentation, contact the CAI-CV office. See photos and sponsors on page 22. Thanks to the Golf Committee for holding a fabulous Tiki Tee Time Happy Hour Golf event at Shadow Mountain Golf Club on Thursday, November 16. It was a relaxing and fun fall event. Photos are on page 30 and more photos can be found online at: https://cai-cv.smugmug. com/. You can sign up for these programs at: Community Calendar CAI-CV. Also, you can use the links in the Monday Update (emailed to all members every Monday). Please see page 40 for upcoming events and programs. We hope you have a safe and memorable December with friends and family. Again, happy holidays from all of us at CAI-CV!

ACCOUNTING NEWMAN CERTIFIED PUBLIC ACCOUNTANT..................................................................................................6

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10 Spotlig ht Medallion Community 13 Chapte - Victoria r Angels Falls 16 Demysti fying the Balcony Bill 26 Saving , SB326 – on Energy a Wrap-U Costs wit p h Solar

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Can HOAs Support Charities? By CAI-CV HOA Living Magazine Committee

For many years, CAI National has promoted the idea of HOAs adopting charities. They claim that adopting a charity is a sure way to quickly build positive community spirit. If your HOA could use some help with building community spirit, we can help you get started. Adopting a charity is easy and it can instantly focus your homeowners on working together to support a cause that makes the whole community better. One good source to help find the right charity is Desert Charities News (DCN). They maintain a database of 755 local charities, categorized by type. For example, you can search their database for charities that support animals, health & medical, performing arts, children & youth, and many other types. Once you find a charity, you may email them directly from the DCN site. They also provide a web link, address, and phone number. Set up a subcommittee to investigate and report back ideas to the board. While the HOA would not give money directly to the charity volunteers can hold fundraisers, collect important items for the charity, and solicit volunteers to help the charity. Some charities will even send around a truck to pick up leftovers after the community garage sale. Get started now by checking out DCN’s database by clicking here: www.desertcharities.com/listing/ nonprofits

Desert Charities

HOA Living | DECEMBER, 2023

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Working with LAITNESSE Desert ARC's Business Services Crew Instills ECIVRES SSENISUB RUO Y LLA TEEM OT DEZIMOTSUC SWERC a Sense of Giving Back SDEEN ECNANETNIAM EPACSDNAL

By Kathrene Wales

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a personal connection to our mission, kindling an immediate and heartfelt appreciation of Desert Arc’s Business Services programs. In Desert Arc’s first meeting with Damian Jenkins, the Palm Desert Division President of The Management Trust, everyone on the team shared their close affinity to our cause.” Loni Peterson, the General Manager at Miralon Community Corporation/Seabreeze Management Company states, “I discovered a great partner in Desert Arc’s Business Services when we moved to the desert, and I also enrolled my son in one of their programs. Fast forward, I continue to use their Janitorial Division to provide professional custodial care. It’s a win-win for everyone as Miralon’s utilization of their janitorial

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people with intellectual and developmental disabilities, guided by its mission to enhance the quality ELBA ILER for people with disabilities. of life and create opportunities The comprehensive programs and services provided by this human social services agency are designed to give each individual, LANthe OImost SSEvulnerable FORP members of our society, a safe and supportive resource base to reach their highest potential. Celebrating its 65th Anniversary year, Desert Arc is also dedicated to social innovation and has created a variety SLOCOTORP EPP of enterprises providing Business Services. These include its Landscape Maintenance, Janitorial, Shredding & Recycling and Fulfillment divisions, providing hands-on training and "The comprehensive programs and paid jobs for Desert Arc's clients (aka people with disabilities). The centerpiece of these initiatives is building community services provided by this human spirit by creating partnerships with HOAs and engaging people social services agency are designed with disabilities in meaningful employment opportunities. to give each individual, the most According to Angelique Ontiveros, Desert Arc’s Vice President, Business Development, “The HOA management vulnerable members of our society, a staff we work with, as well as their Board Members, praise safe and supportive resource base to our work and we are always receiving compliments from the reach their highest potential." residents alike about how the quality of our crew members and the high standards we hold, paying attention to every crews helps adults with special needs, plus, their incredible detail and accommodating their needs." work is greatly1 appreciated 651201by#our esresidents.” neciL AC Barbara Dugan, the Community Association Manager for Damian Jenkins sums it up, “As the father of a young son Premier Community Association Management, states, “Desert with disabilities and the Chair of the Board of Directors, I sdhas eeproved N rutooY uStierolandscaping t eludeh cSjanitorial ecivreknow S :Lfirsthand AITNthat EDDesert ISERArc /LisAmaking ICREaM MOCin the Arc be atitop and difference provider for many of the communities I manage. The level lives of people with special needs and that our engagement !YADisOanTinvaluable SLANO ISSisEF ORPa sense EPAofCgiving SDN ALto R O TCATforNHOAs OC of service that the Desert Arc provides asset imbuing back theU community to our homeowners and Premier Community Association as reflected by the feedback I receive from The Management Management. My Board Members and Homeowners alike Trust’s clientele at PGA West, Desert Princess, Spanish Walk, feel good about the mutual benefits for them and Desert Arc’s among others.” employees. We look forward to a long-lasting secivrerelationship S retroP • spunaelC • Kathrene Wales is Director of Development for Desert Arc. with Desert Arc.” seto pa cstresVillarreal, eD ot snDesert oisreArc’s vnoDirector, C fruT • She can be reached ecnby an etnat iaKwells@desertark.org M nedraG/nwor aLby• email According Donnya atit(760) &n Facilities snBusiness oitavo eR dnOperations, a tneme“Many cnahofnour E ecustomers pacsdnhave aL • phone no alla346-1611. tsnI dna smetsyS noitagirrI •

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HOA Living | DECEMBER, 2023

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HOA Living | DECEMBER, 2023

CAI-CV 2024 CALENDAR JANUARY Monday 1 Friday 12 Monday 15 Friday 19 Saturday 20 Tuesday 23 Friday 26 FEBRUARY Tuesday 6 WE - SA 14-17 Friday 16 Monday 19 Tuesday 20 Saturday 24 Monday 26 MARCH Tuesday 5 Saturday 9 Friday 15 Tuesday 19 Friday 22 APRIL Tu-Th 2-4 Tuesday 9 Friday 19 Tuesday 23 MAY Friday 3 Tuesday 7 WE - SA 8-11 Friday 17 Tuesday 21 Monday 27 JUNE Tuesday 4 Friday 7 Wednesday 19 Friday 21 Tuesday 25 JULY TH - FR 4-5 Friday 12 Tuesday 23 Friday 26 AUGUST Tuesday 20 Friday 23 SEPTEMBER Monday 2 Tuesday 10 Friday 20 Tuesday 24 OCTOBER Tuesday 8 Monday 14 Friday 18 Tuesday 22 Friday 25 NOVEMBER Friday 8 Friday 15 Tuesday 19 TH - FR 28-29 DECEMBER Friday 6 Friday 6 Tuesday 17 Friday 20 TU - WE 24-25 Tuesday 31 JANUARY 2025 Friday 31

New Year's Day Leadership Training, 9 A.M. - 1 P.M. MLK Day Lunch Program, 11:15 A.M. City of Indian Wells Board Workshop Strat. Planning 2:30 P.M., Board 3:30 P.M. Annual Awards Event, 5:30 P.M.

Office Closed RAP Conference Center Office Closed Sun City Palm Desert Indian Wells VUE Grille Zoom Agua Caliente Casino & Spa

BMW, 8:30 A.M. CAI National Law Seminar Breakfast Program, TBD President's Day Strat. Planning 2:30 P.M., Board 3:30 P.M. City of Palm Desert HOA Workshop CMCA Rev/CID Law/Ed BP, 9 A.M - 1 P.M.

Zoom Las Vegas Sun City Palm Desert Office Closed Zoom Desert Willow Golf Resort RAP Conference Center

Board Certificate Course, 9 A.M. - 4 P.M. City of Indio Board Workshop Lunch Program, 11:15 A.M. Strat. Planning 2:30 P.M., Board 3:30 P.M. Meet the Management Cos, 5:30 P.M.

Zoom or TBD Sun City Shadow Hills Clubhouse Sun City Palm Desert Zoom Classic Club

CLAC Legislative Days in Sacramento BMW, 8:30 A.M. Board Bootcamp Lunch Program, 11:15 A.M. Strat. Planning 2:30 P.M., Board 3:30 P.M.

Sacramento Zoom Sun City Palm Desert Zoom

Spring Golf Tournament, 7:30 A.M. BMW, 8:30 A.M. CAI National Conference Lunch Program, 11:15 A.M. Strat. Planning 2:30 P.M., Board 3:30 P.M. Memorial Day

Sun City Palm Desert Zoom Las Vegas Sun City Palm Desert Zoom Office Closed

BMW, 8:30 A.M. Annual Comedy Night, 5:30 P.M. Juneteenth Day Breakfast Program, TBD Strat. Planning 2:30 P.M., Board 3:30 P.M.

Zoom Sun City Palm Desert Optional Holiday Sun City Palm Desert Zoom

Independence Day Annual Bowling Tournament, 5:30 P.M. Strat. Planning 2:30 P.M., Board 3:30 P.M. CAMDAY, 9 A.M. - 5 P.M.

Office Closed Palm Springs Lanes Zoom Sun City Palm Desert

Strat. Planning 2:30 P.M., Board 3:30 P.M. Strategic Planning, 9 A.M. - 1 P.M.

Zoom (Optional) RAP Conference Center

Labor Day BMW, 8:30 A.M. Lunch Program, 11:15 A.M. Strat. Planning 2:30 P.M., Board 3:30 P.M.

Office Closed Zoom Sun City Palm Desert Zoom

BMW, 8:30 A.M. Columbus Day Breakfast Program, TBD Strat. Planning 2:30 P.M., Board 3:30 P.M. Oktoberfest

Zoom Office Closed Sun City Palm Desert Zoom Sunshine Landscape

Fall Golf Event, 1:30 P.M. Lunch Program - Leg. Update, 11:00 A.M. Strat. Planning 2:30 P.M., Board 3:30 P.M. Thanksgiving

Shadow Mountain Golf Club Sun City Palm Desert Zoom Office Closed

Annual Wine & Spirit Tasting BMW/MOTR Strat. Planning 2:30 P.M., Board 3:30 P.M. Optional Holiday Breakfast/Lunch Christmas Holiday New Year's Eve

Shields Date Garden Shields Theater Zoom Sun City Palm Desert Office Closed Office Closed

Annual Awards Event, 5:30 P.M.

TBD

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How is Sacramento Dealing with California’s Insurance Crisis? By CAI-CV’s CLAC Legislative Support Committee

ccording to CLAC, negotiations continue among the Governor, Legislature and key lobbying organizations to find a lasting solution to California's insurance crisis. The following press release from Insurance Commissioner Lara outlines the progress made. Commissioner Lara announces Sustainable Insurance Strategy to improve State’s market conditions for consumers. Governor Newsom issues executive order that supports comprehensive package of executive actions aimed at immediate and lasting changes to protect insurance consumers from climate change.

thousands of Californians since he took office in 2019. California Governor Gavin Newsom today issued an executive order urging prompt regulatory action that supports Commissioner Lara’s actions for communities affected by climate change. The actions announced today are aimed at addressing problems fueled by climate change and being experienced by states across the nation including global inflation and increased costs for rebuilding that have led to several insurance companies pausing coverage for writing new homeowners and commercial insurance policies,

PRESS RELEASE

"California’s Sustainable Insurance Strategy is a comprehensive approach building on Commissioner Lara’s multi-year effort to modernize California’s insurance market after meeting with thousands of Californians since he took office in 2019."

SACRAMENTO, Calif. (September 21, 2023) — Insurance Commissioner Ricardo Lara announced a package of executive actions aimed at improving insurance choices and protecting Californians from increasing climate threats while addressing the long-term sustainability of the nation’s largest insurance market. The largest insurance reform since state voters’ passage of Proposition 103 nearly 35 years ago, California’s Sustainable Insurance Strategy is a comprehensive approach building on Commissioner Lara’s multiyear effort to modernize California’s insurance market after meeting with

nonrenewing existing consumers, and increasing rates to maintain their financial stability. Unlike public utilities, which are required by law to cover all consumers, insurance companies will not write

insurance, especially in high-risk areas, unless they are able to ensure they have the capital and reserves to fully meet all insurance claims submitted by consumers, cover their expenses, and earn a fair return. Insurance company actions following multiple years of major wildfires and winter storms have pushed more people to the FAIR Plan, which is intended as California’s insurer of last resort but has become the only option in some areas of the state. “We are at a major crossroads on insurance after multiple years of wildfires and storms intensified by the threat of climate change. I am taking immediate action to implement lasting changes that will make Californians safer through a stronger, sustainable insurance market,” said Commissioner Lara. “The current system is not working for all Californians, and we must change course. I will continue to partner with all those who want to work toward real solutions.” “This is yet another example of how climate change is directly threatening our communities and livelihoods. It is critical that California’s insurance market works to protect homes and businesses in every corner of our state,” said Governor Newsom. “A balanced approach that will help maintain fair prices and protections for Californians is essential. I look forward to continuing

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to work with Commissioner Lara and others to strengthen our marketplace and protect Californians.”

Key regulatory elements of the plan include: • Executive action by Commissioner Lara to transition homeowners and businesses from the FAIR Plan back into the normal insurance market with commitments from insurance companies to cover all parts of California by writing no less than 85% of their statewide market share in high wildfire risk communities. For example, if a company writes 20 out of 100 homes statewide, it must write 17 out of 100 homes in a distressed area; • Giving FAIR Plan policyholders who comply with the new Safer from Wildfires regulation first priority for transition to the normal market, thus enhancing the state’s overall wildfire safety efforts; • Expediting the Department’s introduction of new rules for the

HOA Living | DECEMBER, 2023

review of climate catastrophe models that recognize the benefits of wildfire safety and mitigation actions at the state, local, and parcel levels;

• Increasing data reporting by the FAIR Plan to the Department, Legislature, and Governor to monitor progress toward reducing its policyholders; and,

• Directing the FAIR Plan to further expand commercial coverage to $20 million per building to close insurance gaps for homeowners associations and condominium developments to help meet the state’s housing goals and to provide required coverage to other large businesses in the state;

• Ordering changes to the FAIR Plan to prevent it from going bankrupt in the case of an extraordinary catastrophic event, including building its reserves and financial safeguards.

• Holding public meetings exploring incorporating California-only reinsurance costs into rate filings; • Improving rate filing procedures and timelines by enforcing the requirement for insurance companies to submit a complete rate filing, hiring additional Department staff to review rate applications and inform regulatory changes, and enacting intervenor reform to increase transparency and public participation in the process;

California’s Sustainable Insurance Strategy builds on actions that Commissioner Lara has taken including enacting regulations under his authority and sponsoring legislation to improve insurance benefits: • Enacting the "Safer from Wildfire" Regulation: Commissioner Lara has mandated insurance companies to recognize and reward wildfire safety and mitigation efforts made by homeowners and businesses. His new regulation requires insurance companies to submit new rates that recognize the benefit of safety

measures such as upgraded roofs and windows, defensible space, and memberships in communitywide programs such as Firewise USA and the Fire Risk Reduction Community designation developed by the State’s Board of Forestry and Fire Protection. It further requires insurance companies to provide discounts to consumers that meet various elements of the Safer from Wildfires framework and to provide consumers with their property’s “wildfire risk score,” including a right for consumers to appeal that score. • Modernizing the FAIR Plan: Commissioner Lara continues to reform the FAIR Plan by expanding its coverage options and ensuring wider availability for its policyholders, including expanding residential and commercial coverage limits for the first time in 25 years to keep pace with increased costs. His agreement with the FAIR Plan increased its commercial coverage limit to $20 million per location for businesses unable to find coverage in the normal insurance marketplace.

• Promoting Policyholder Security through Moratoriums on Nonrenewals and Cancellations: Under a law written by thenSenator Lara, the Commissioner has protected more than 4 million people statewide since 2019 through mandatory oneyear moratoriums on insurance companies cancelling or nonrenewing residential insurance policies in certain areas within or adjacent to a fire perimeter after a declared state of emergency is issued by the Governor. • Sponsoring New Insurance Protections: Commissioner Lara-sponsored bills signed into law by the Governor -- despite opposition from insurance companies - - will mean quicker payouts for some consumer claims, less red tape from insurance companies, and more help for people under evacuation orders. • Supporting Multi-year Funding for Wildfire Safety: Commissioner Lara strongly supported the Governor and Legislature in increasing our State’s wildfire mitigation efforts, including $2.7 billion directed into wildfire

resilience programs over the past three years. These efforts include funding fire prevention grants for local risk reduction projects, creating fire breaks that protect communities, expanding defensible space inspections, and increasing strategies like prescribed fire and fuels reduction projects.

Response from Community Associations Institute: “On behalf of the more than 13 million Californians living in the more than 50,000 community associations located here, we applaud Commissioner Lara for reaching a breakthrough agreement that increases insurance availability and supports community safety,” said Kieran Purcell, Chair, Community Associations Institute, California Legislative Action Committee. “This much-needed insurance reform will expand options and create long-term sustainability in our marketplace, helping millions of Californians including seniors, firsttime home buyers, and many others across our state. We value our partnership with the Commissioner and look forward to continuing our collective efforts on this issue.”

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CA I - CV E D U CATION A L PROG R A M & M IN I TR A DE S HOW FR IDAY, N OV E M BE R 10, 202 3 S UN CI T Y PAL M DES ER T

CAI-CV'S ANNUAL

LEGISLATIVE UPDATE Guest Speakers CAI-CV President Julie Balbini, Esq. Shareholder & Managing Attorney, Coachella Valley Office, Fiore Racobs & Powers, A PLC

Christina Baine DeJardin, Esq. Partner, Delphi Law Group, LLP CLAC Lobbyist Louie

Brown, Jr., Esq. Kahn, Soares & Conway, LLP California Legislative Action Committee (CLAC)

HOA Living | DECEMBER, 2023

CA I - CV E D U CATION A L PROG R A M & M IN I TR A DE S HOW FR IDAY, N OV E M BE R 10, 202 3 S UN CI T Y PAL M DES ER T

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HOA Living | DECEMBER, 2023

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CAI Brings Community To Congress for 2023 Advocacy Summit, Honors REP. David Rouzer (R-N.C.) As a Hero of Associations By Dawn M. Bauman, CAE

120 condo and homeowners associ- estimated to become the majority form condominium communities, and ation advocates met with members of of housing in the U.S. by 2040. housing cooperatives. Congress and staffers. A record number “CAI strongly believes that lawmakers “CAI members are passionate about of community association homeowners must consider the impacts on commu- the work they do to support community and industry professionals connected nities on a wide range of policy issues— associations. They want to share the with congressional offices on Nov. 2 to from mortgage lending to natural facts with their elected representatives advance legislative priorities during disaster relief,” says Thomas M. Skiba, about community living—where the vast the 2023 Advocacy Summit hosted by CAE, CAI's chief executive officer. “One majority of homeowners are satisfied,” Community Associations Institute. in four Americans live in community says Dawn M. Bauman, CAE, CAI's CAI’s 120 representatives from 25 associations today, and thousands of chief strategy officer. “CAI was thrilled states advocated for to connect a record financing condominium "ACCORDING TO THE LATEST DATA FROM THE number of our advocates building repairs, disaswith their legislators in ter assistance fairness, FOUNDATION FOR COMMUNITY ASSOCIATION person for the first time Corporate Transparency RESEARCH, COMMUNITY ASSOCIATIONS ARE in several years.” Act exemption and delay During the summit, opportunities, and cre- ESTIMATED TO BECOME THE MAJORITY FORM Rep. Dav id Rouzer dentialing education (R-N.C.) was honored OF HOUSING IN THE U.S. BY 2040." financing opportunities with CAI’s 2023 Hero of on behalf of community association new communities are built each year. Associations (HOA) Award for his leadstakeholders. In addition, CAI provided Our advocates have an influential voice, ership and support for the millions of legislators and staff with new education and we’re proud of the work they do.” residents living in community associand resources detailing the commuAs the leading international authority ations. CAI recognized Rouzer for his nity association housing model and in community association living, CAI work to make federal funds available its impact on the U.S. housing market. advocates for more than 74 million to homeowners association residents According to the latest data from the Americans living and working in after a presidentially declared natural Foundation for Community Association community associations, commonly disaster. Research, community associations are referred to as homeowners associations, After recent natural disasters in North

HOA Living | DECEMBER, 2023

“CAI members are passionate about the work they do to support community associations. They want to share the facts with their elected representatives about community living—where the vast majority of homeowners are satisfied,” See Homeowner Satisfaction Survey here:

CLAC UPDATE CAI-CLAC TWO MINUTE UPDATE ON YOUTUBE:

Carolina, Rouzer has witnessed firsthand the inequity of the Federal Emergency Management Agency allocation of federal funds. As a result, he reintroduced the Disaster Assistance Fairness Act (H.R. 3777) to help homeowners associations qualify for funding for disaster recovery. “I’m proud to receive the Hero of Associations (HOA) Award from CAI for my work in Congress to ensure all citizens and communities impacted by natural disasters can receive the same access to federal disaster recovery resources,” says Rouzer. “Natural disasters do not discriminate among neighborhoods or housing, and I will continue working to ensure all homeowners are treated fairly when trying to rebuild.” If H.R. 3777 becomes law, this legislation will help community associations in all states impacted by any presidentially declared natural disaster, including hurricanes, floods, wildfires, mudslides, and other calamities. “A small change in federal policy can impact so many homeowners on the local level. It’s clear Rep. Rouzer understands that. We’re thrilled to have him champion the Disaster Assistance Fairness Act. He deserves this recognition from CAI,” says Bill Bittenbender, a CAI member and homeowner in St. James Property Owners Association in Southport, N.C. For more information about CAI's advocacy priorities, visit www.caionline.org/Advocacy or follow @CAIAdvocacy on X. Dawn M. Bauman, CAE is CAI's Chief Strategy Officer. Dawn can be reached at dbauman@caionline.org or by phone at 703-867-5588.

The California Legislative Action Committee’s (CLAC’s) primary objective remains constant: propose, monitor, evaluate, provide input, and take formal positions on state legislation affecting community associations. In 2023, CAI-CLAC achieved just this. CLAC was successful in the sponsorship of two bills and the integration of cleanup measures into the Housing Omnibus bill. Furthermore, they played a pivotal role in securing critical amendments for three additional pieces of legislation.

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SR ER I NGG OOVVEERR 1133 M MIILL LL II O ON SE VV IN N H HO OM M EEO OW WNNEERRSS I N IN 5 5 , 0 0 0 + C O M M U N I T I E S A S S O C I A T I O N S T H R O U OUUTT C CA AL 5 5 , 0 0 0 + C O M M U N I T Y A S S O C I A T I O N S T H R O U GGHHO L II FFO ORRNNI IAA

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Communities and Homeowners Impacted by California’s Insurance Crisis

Tell Us Your Story By sharing your story, CAI-CLAC can help to advocate on your behalf. Please fill out this brief form.

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Contact Your Legislator The districts have been redrawn recently, so to be sure you are contacting the correct legislator. Check out our “Contact Your Legislator” page and scroll down to “Find Your Legislator.”

Contact the California Department of Insurance Let the California Department of Insurance know how this insurance increase impacts your life by providing comments in their contact form.

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CAI-CLAC Pledge Form At CAI-CLAC, our primary objective remains constant: to propose, monitor, evaluate, provide input, and take formal positions on state legislation affecting community associations. The legislation that CAI-CLAC monitors, supports, or opposes has a direct impact on the communities we live in, work with, or manage. CAI-CLAC operates solely from contributions made by California members of CAI and other donations. Donations are for LEGISLATIVE ADVOCACY, NOT POLITICAL CONTRIBUTIONS. CAI-CLAC expenses include printing and mailing information to CAI members and CAI-CLAC contributors, lobbyist fees and administrative services; providing legislative information to the CAI-CLAC volunteers, and much more! SELECT THE CAI CHAPTER TO ALLOCATE YOUR DONATION TO: Bay Area Central

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Water Saving Tips to Show Guests During the Holidays Your holiday guests arriving from outside the desert might need gentle reminders to appreciate our water-saving lifestyle. You can share a myriad of easy tips they can learn and embrace for use back home. Since the kitchen is often the heart of holiday activities, let’s start there.

KITCHEN 1. 2. 3. 4. 5. 6. 7. 8.

Fill the dishwasher instead of washing holiday dishes by hand. Using a dishwasher can save 5 to 15 gallons per load. If you must wash dishes by hand, don’t let the water run. Fill one basin with wash water, the other with rinse water. To help limit washing, designate one glass for drinking water each day, or refill a water bottle. Keep a pitcher of drinking water in the refrigerator instead of running the tap. Pop food scraps in the compost pile rather than down the garbage disposal. Rinse fruits and veggies in a bowl of water rather than running the faucet. Then reuse the rinse water in your garden or indoor plants. If you need to defrost frozen foods, place them overnight in the fridge. If you drop an ice cube, don’t throw it in the sink. Use it to water house plants.

HOA Living | DECEMBER, 2023

BATHROOM 1. 2. 3.

Forgo tub baths and take 5-minute showers. A full bathtub needs up to 70 gallons of water. Turn off the water when you brush your teeth. Drop tissues in the trash instead of flushing them down.

LAUNDRY 1.

The laundry pile can mushroom with table linens, sheets and towels for holiday guests. Save time, energy and water by washing items in full loads only. Wash dark clothes in cold water to save water, energy, and help your clothes retain their color.

For more information: CVWD.org/conservation

WELCOME ABOARD Action Property Management By Meaghan Gaffney-Howe, CMCA, AMS

elcome Aboard, Action Property Management! As California’s largest privately held HOA management company, Action Property Management has a depth of resources at their fingertips, including SnapHOA, the only software platform designed exclusively for HOA management. Action Property Management offers full-service management, but also sells SnapHOA for large scale, self-managed properties and smaller management companies, and includes monthly accounting and financial services. With ties to the desert through mutual Coachella Valley business partners, Action Property Management is currently exploring the possibility of expanding their operations into the desert. Whether they decide to offer full service management or simply share SnapHOA with the Coachella Valley area, they are confident that they can offer a valuable resource. One such resource is their podcast called “The Uncommon Area,” which can be found on the Action Property Management website. “The podcast tackles some of the most challenging topics facing HOAs today. We bring in experts throughout the industry to discuss topics that are current and relevant to today’s market,” says Robert Dishman, Director of Operations and Development for the company. Robert Dishman has been involved in the management and operations of some of the most luxurious and high-profile properties throughout California during his 20-year career in property management. He has experience in both the HOA and rental property management markets, with a focus on providing seamless and effective customer service. Born and raised in Tennessee, he blends the perfect balance of

Southern charm with highend attention to detail. His passion is developing team members to deliver 5-star service, while also being involved in many aspects of Action Property Management’s day-today property operations. Robert holds the CMCA Robert Dishman designation from CAMICB, as well as the LCAM designation for the state of Florida. He is a graduate of Action’s LEADwell program and lives the Action value of “We Are Passionate About Excellence.” Action Property Management wishes to offer their services, knowledge, and expertise, along with their nearly 40 years of experience to any Board Member, HOA, vendor partner, or CAI member. They have regional offices in San Francisco, Los Angeles, Sacramento, Corona, and San Diego. Their corporate office is located at 2603 Main Street, Suite 500, Irvine, CA 92614. Contact Robert Dishman at RDishman@actionlife.com or visit www.actionlife.com and www.snaphoa.com for more information on the services that are offered by Action Property Management! Meaghan Gaffney-Howe, CMCA, AMS is a community manager and Vice President of The Gaffney Group, Inc. Meaghan can be reached at meaghan@thegaffneygroup.net.

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INVESTIGATING INSURANCE SOLUTIONS The Insurance Task Force of CAI’s California Legislative Action Committee (CLAC - Home - California Legislative Action Committee - CAI-CLAC (caiclac.com)) has been actively advocating to address the insurance crisis that many California community associations are currently experiencing.

s you have heard from us in previous articles, the California Department of Insurance (CDI) has acknowledged the distinction between the insurance needs of a single-family home vs. a community association’s commercial insurance needs and has begun to include community associations when they are considering changes to current insurance code and regulations. They formed a working group in July to explore more deeply what solutions might be to the insurance crisis that we are in, and CAI-CLAC was invited to the table for that discussion. This is something that, even only two years ago, would have been unheard of. We have also been attending meetings requested by legislators as a result of our Advocacy Week and have had some excellent opportunities for edu-

As you may have heard, the California FAIR Plan (CFP), created to be a “market of last resort” for homes and businesses unable to obtain insurance elsewhere, announced an increase in limits available as of November 1, 2023, and have clarified that condominiums are also included as risks that can be insured by the CFP. These changes may help some associations that are desperate for coverage to get SOME insurance coverage for their members. While this is certainly a “win,” it is in no way a final solution. The coverage offered by the CFP does not provide all of the coverage that a community association needs, and a companion policy will be necessary to fill in those gaps. This is also not a sustainable solution for the insurance industry. Those higher limits do not create enough money coming IN to pay OUT on all of the potential claims. That The coverage offered by the CFP does not means prolonged use of provide all of the coverage that a community this model for the CFP association needs, and a companion policy will eventually lead to will be necessary to fill in those gaps. financial harm for all of the members of the cation and engagement. The insurance CFP, which are the admitted carriers staffer for Senator Rubio’s office (Senator in California. Rubio is the Chair of the Standing Senate Speaking of admitted carriers in Committee on Insurance) had some California, we have all heard about really positive things to say about our State Farm pulling out of the State of definition of the problem and proposed California entirely. While this made short- and long-term solutions. She national news, many smaller insurance invited us to a Senate hearing (yet to carriers had been pulling out of the state be scheduled) to dig into some of those already. Increased costs were created, in solutions more deeply. large part, because carriers were unable 34

HOA Living | DECEMBER, 2023

to write business in many parts of the state. Remember, insurance companies are subject to strict solvency regulations, and if they are (a) unable to obtain adequate premium for the loss potential associated with wildfire, and (b) legally prevented from reducing their risk by limiting coverage for wildfire, then the insurance carriers CANNOT underwrite that risk. Insurance carriers balance the possible losses they might incur against the premium they can bring in. If it is IMPOSSIBLE for them to bring in more than they will most likely be spending on claims, it would be bad business practices to continue. If we do not find a way to make it financially possible for carriers to participate in California’s insurance market, this crisis will only get worse. Thank you for your support of CLAC and for your interest in the progress of our Insurance Task Force. We recognize the overwhelming burden it has created for so many California communities, and we’re grateful for your partnership in these efforts. If you haven’t already done so, we urge you to take a moment to sign up for CLAC updates here: CAI-CLAC: www.caiclac.com/currentcampaigns/ Also, if you, or a community you manage, are directly impacted by the insurance crisis in California, we have created a three-step list of who to contact to make sure your voice is heard. See page 28. The more we speak up, the more people start to listen.

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Ensuring a Safe and Joyful Holiday Season: Protecting Your Home, Health, and Your Heart! By Christopher Bair

he holiday season is a time of celebration, giving, and spreading joy. As we prepare to embrace the festive spirit, it's essential to keep safety, security, and well-being at the forefront of our minds. This article hopes to provide helpful tips for community association residents on how to stay secure, maintain healthy habits, and cope with the emotional challenges that often arise during the holiday season.

HOLIDAY SEASON CRIME STATISTICS: During the holiday season, property crimes like theft and burglaries often see an increase. According to national crime statistics, these crimes are more frequent in November and December than any other months. Awareness is the first step in prevention, so take steps to secure your home, and report any suspicious activity to local law enforcement.

PROTECTING YOUR PACKAGES: One of the joys of the season is shopping for gifts, but the increase in online shopping has also given rise to porch pirates. To safeguard your deliveries, consider these tips:

HOA Living | DECEMBER, 2023

• Secure drop-off locations: Have packages delivered to a secure location, like your workplace or a trusted neighbor's house. Some communities allow deliveries to be made to the security officers at the gatehouse. • Smart doorbell cameras: Install smart doorbell cameras that provide real-time

alerts and video footage to deter potential thieves. • Schedule deliveries: Request specific delivery days or times with your carrier. • Notification services: Sign up for delivery notifications from shipping companies to stay informed about your packages whereabouts.

SAFE DRIVING: With the time change leading to earlier sunsets, driving safely is crucial. Here's how to help ensure a safe journey: • Headlights and taillights: Make sure your vehicle's lights are working correctly and keep them on while driving during low-light hours.

• Stay alert: Pay extra attention to road conditions, other drivers, and pedestrians as visibility decreases. • Avoid distractions: Put away your phone and other distractions to focus on the road. • Don’t be in a rush: Allow yourself ample time to get your shopping done.

HEALTHY HOLIDAY EATING: The holiday season often involves indulgent feasts. Here are some ways to enjoy the festivities without compromising your health: • Balanced portions: Savor your favorite treats in moderation and prioritize fruits and vegetables. • Stay hydrated: Drink plenty of water to stay hydrated. This will also help control your appetite. • Mindful eating: Pay attention to your body's hunger and fullness cues to avoid overeating. • Don’t drink too much alcohol.

Coping with Emotional Holiday Challenges: The holidays can be a difficult time for those who have lost a loved one during the year or in previous years. It's essential to recognize and address these emotions (for yourself and family members): • Seek support: Connect with friends, family, or support groups who understand your grief. • Create new traditions: Consider starting new traditions or honoring your loved ones memory in a meaningful way. • Professional help: If you're struggling with severe depression or grief, reach out to a mental health professional.

A Few Positive Affirmations for a Brighter Holiday Season! • I am surrounded by love and support during the holidays. • I choose joy and gratitude in every moment. • I create new memories and traditions with my loved ones.

• I am in control of my health and well-being this holiday season. • I savor delicious holiday food and treats in moderation. • I honor the memory of loved ones in my own special way. • I embrace the holiday season with a heart full of hope and positivity. As we embark on this 2023 holiday season, let us remember the importance of safety, security, well-being, and empathy. By following these tips and affirmations, we can all help to make this holiday season not only joyful but also safe, healthy, and emotionally uplifting for everyone in our families and communities…

HAPPY HOLIDAYS AND HAPPY NEW YEAR EVERYONE! Christopher Bair is the Business Development Manager at Securitas Security Services in Palm Desert. He can be reached at: (760) 779-0728 or by email at Christopher.Bair@Securitasinc.com.

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