Focus Magazine - July/August 2013

Focus

July/August 2013

L.A.’s Premier Source of Information for Community Associations

SAVE THE DATE:

“An Evening with the Stars” Casino Night November 2

Financial Crisis Recovery The Affordable Care Act— Minimizing Your Costs Know Your Procedures!

The Economy is Back!

CAI-Greater Los Angeles Chapter presents

• • • •

FEATURING Meet & Greet HOA Industry Experts on hand Complimentary Hors d’oeuvres Opportunity to win $100 Cash during Meet & Greet (Must be present to win)

• Raffle Prizes

New This Year!

Complimentary Dinner with Educational Presentation, following Meet & Greet for HOA Boards & Managers

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Admission and Self Parking is complimentary for HOA Board Members and Managers Advance Registration enters you in the Special Prize Drawing awarded at the Dinner (Must be present to win) RESERVATIONS HOABOARD BOARDMEMBERS MEMBERS& & MANAGERS: MANAGERS: COMPLIMENTARY* RESERVATIONS – –HOA COMPLIMENTARY* *HOA Member Spouses/Guests will pay a discounted price of $30 pp for dinner Please RSVP before September – Dinner Capacity Limited *HOA Member Spouses/Guests will pay a25 discounted price of $30 pp for dinner Phone: 818.500.8636 • Online: www.cai-glac.org • E-mail: joan@cai-glac.org • Fax: 818.500.8638 Please RSVP before September 25 – Dinner Capacity Limited Name: Phone: 818.500.8636 •Company: Online: www.cai-glac.org • E-mail: joan@cai-glac.org • Fax: 818.500.8638 Association/Management Address: Phone: E-mail: Are you planning to attend the Dinner and Educational Presentation? yes no

2013 BOARD OF DIRECTORS OFFICERS Matt D. Ober, Esq., President Richardson Harman Ober, PC, 626-449-5577 Katy Krupp, Vice President Fenton, Grant, Mayfield, Kaneda & Litt, LLP, 949-435-3800 Joanne Pena, CMCA®, AMS®, PCAM®, Secretary Horizon Management Company, 310-543-1995 Gregg Lotane, CCAM®, PCAM®, Treasurer The Wilshire Condominiums, 310-446-5333 DIRECTORS Jeffrey A. Beaumont, Esq. Beaumont Gitlin Tashjian, 818-884-9998 Carol Brockhouse, AMS® Tokyo Villa HOA Tina Chu, Esq. Adams Kessler, PLC, 310-945-0280 Pamella De Armas SAX Insurance Agency, 310-740-4274 Michael Lewis, CCAM®, CMCA®, AMS®, PCAM® Concept Seven, LLC, 310-622-7012 Robert Ridley, Esq. Castlegate HOA, 213-626-0291 Lynn Ruger Warner Club Villas HOA, 818-703-7090 David C. Swedelson, Esq. Swedelson & Gottlieb, 310-207-2207

CHAPTER EXECUTIVE DIRECTOR Joan Urbaniak, MBA, CMCA®

2013 COMMITTEE CHAIRS COMMUNITY OUTREACH Meigan Everett, CMCA®, Gold Coast Property Pros EDUCATION Gerry Suenram, CCAM®, PCAM®, Action Property Management FINANCE Jolen Zeroski, CMCA®, Union Bank GOLF TOURNAMENT Teresa Agnew, Roseman & Associates, APC Daisy Vasquez, Securitas Security Services USA, Inc. LEGISLATIVE ACTION Lisa Tashjian, Esq., Beaumont Gitlin Tashjian MARKETPLACE Alan Denison, Stay Green Inc. MEMBERSHIP Larry Hooper, Popular Association Banking MEDIATION SERVICES Matthew Grode, Esq., Gibbs, Giden, Locher, Turner & Senet, LLP PROGRAMS/LUNCHEONS Linda Healey, PCAM®, The Californian on Willshire

NEWSWORTHY 4 Financial Crisis Recovery Update: Spending Smarter, Saving For a Rainy Day 6 Making Your Communities’ Streets Safe 8 Financing a Project in a Tough Economic Environment 12 The Affordable Care Act—Minimizing Your Costs 14 NEWS FROM SACRAMENTO: Decision To Make AB 1360 A Two-Year Bill and News from Skip Daum, CAI Legislative Advocate 16 Highlights from the CAI Golf Tournament 20 Know Your Procedures! Courts Require Strict Compliance – Membership Voting and Liens 22 BOOMTOWN! 24 Highlights from Star Search Game Night!

22 Strut Your Mutt

CHAPTER UPDATE 2 Note From the Editor’s Desk 3 President’s Message

NOTEWORTHY 3 Essentials of Community Leadership Workshop 11 PCAM® Pride

FYI 30 32 32 32

CAI-GLAC Membership News 2013 Upcoming Events Advertisers Index Advertising Information

On the Cover

Savor Community Association Downtown Los Angeles

SAVE THE DATE: “An Evening with the Stars” Casino Night November 2

PUBLIC RELATIONS Darin Sherlock, Marina Landscape PUBLICATIONS Matthew Gardner, Esq., Richardson Harman Ober PC FOCUS Magazine Sherry Branson, Kevin Davis Insurance Services Membership Directory Stephen S. Grane, Alante/MCS Insurance Services Web Site Lynne Collmann, CMCA®, AMS®, Savoy Community Association SATELLITE PROGRAMS Gail Jones, CCAM®, CMCA®, AMS®, PCAM®, Valencia Management Group Craig Phillips, CCAM®, CMCA®, AMS®, PCAM®, International Tower Owners Assn.

This publication seeks to provide CAI-GLAC’s membership with information on community association issues. Authors are responsible for developing the logic of their expressed opinions and for the authenticity of all facts presented in articles. CAI-GLAC does not necessarily endorse or approve statements of fact or opinion made in these pages and assumes no responsibility for those statements. By submission of editorial content to CAI-GLAC, the author acknowledges and agrees to abide by the editorial and policy guidelines. Copyright © 2013.

SOCIAL Donald Campbell, CCAM®, CMCA®, AMS®, Torrance-Windemere HOA Angel Fuerte, FRESHCO Painters

All rights reserved. Reproduction in whole or in part without written permission is prohibited. CAI is a national, not-for-profit association created in 1973 to educate and represent America’s residential community association industry.

WINE NIGHT Joanne Peña, CMCA®, AMS®, PCAM®, Horizon Management Company Jolen Zeroski, CMCA®, Union Bank Homeowners Association Services

National Office Address: 6402 Arlington Blvd. #500, Falls Church, VA 22042 Tel: 888/224-4321 • Web Site: http://www.caionline.org

CAI-Greater Los Angeles Chapter

STAY CONNECTED:

130 N. Brand Blvd., Ste. 305 Glendale, CA 91203 Office: 818-500-8636 Fax: 818-500-8638

July/August 2013 | www.cai-glac.org

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discusses the factors involved in a lending institution’s decision to qualify an association for a loan.

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UMMER IS IN MID-SWING AND lots of changes are in the wind around Southern California as we take a look at the improving regional economic situation from a variety of viewpoints. Our experts weigh in on what they see happening in their respective industries and what they are hearing from their clients— and it’s an interesting picture.

NOTE

January 2014 will be the kick-off date for the Affordable Care Act and with it come major changes to healthcare as we know it. Anthony Elliott writes the article, and he recommends checking now to understand how it will affect you—since January is less than six months away.

Some interesting case law has come down from the courts this year. Jeanne McDonald, Esq. writes about lessons to be learned from Wittenberg v. Beachwalk Homeowners Association and Diamond v.

Superior Court of Santa Clara County.

Richard Stewart’s article Boomtown! focuses on the improving local economy from a vendor’s perspective.

FROM THE EDITOR’S DESK Richard sees many signs that things are improving, and he is hearing We start out the issue with an article from customers that the real estate on the financial crisis recovery from market has come back as well.

Les Weinberg and Scott Clements.

They write about the positive impact Homeless animals are benefitting the crisis has had on common interest from the CAI Community Outreach development reserve fund planning Committee’s efforts in September when and spending. Associations seem to be the Committee participates in the Best recognizing the importance of funding Friends Animal Society’s national “Strut plans and taking more time to analyze Your Mutt” fundraiser on September 15. details in a proposal—resulting in The Best Friends Animal Society is smarter spending. a non-profit organization that builds no-kill programs and partnerships The issue of private roads controlled by nationwide, working towards a day common interest developments is covered where there are No More Homeless Pets®. in an article by David Rosenberg. How CAI has chosen the San Gabriel Valley does an association enforce speeding and Humane Society as the recipient of its overall safety on their private roads, since fundraising efforts this year. local law enforcement has no jurisdiction?

David talks about a new tool being used Enjoy all of the interesting articles and against traffic violators. have a great rest of the summer!

Community associations have choices — Sherry Branson regarding how to pay for major repairs Editor or improvements. David Shahrabani

CAI-GLAC does not necessarily endorse or approve statements of fact or opinion made in these pages and assumes no responsibility for those statements. Authors are responsible for developing the logic of their expressed opinions and for the authenticity of all facts presented in articles.

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www.cai-glac.org | July/August 2013

2013 CAI-GLAC Super Sponsors PLATINUM

Animal & Insect Pest Management, Inc. Farmers Insurance Group—Steven G. Segal Insurance Agency, Inc. General Pavement Management, Inc. Pacific Western Bank Payne Pest Management Preferred Commercial Painting, Inc. R.W. Stein Painting, Inc. Seacoast Commerce Bank Wolf, Rifkin, Shapiro, Schulman & Rabkin, LLP GOLD Beaumont Gitlin Tashjian Behr Paint Corp/THE HOME DEPOT USA Best Alliance Foreclosure and Lien Services Fenceworks, Inc. Fenton, Grant, Mayfield, Kaneda & Litt, LLP Ferris Painting, Inc. First Bank Hi Tech Painting & Decorating, Inc. Nautilus General Contractors, Inc. Popular Association Banking Securitas Security Services USA, Inc. Select Painting Union Bank SILVER Adco Roofing, Inc. Association Reserves, Inc. Berg Insurance Agency, Inc. CommerceWest Bank Milstein Adelman, LLP Mutual of Omaha Bank/CondoCerts Orange Coast Building Services, Inc. Reserve Studies Incorporated S.B.S. Lien Services SAX Insurance Agency ServiceMaster by Eddie South Shore Building Services, Inc. Stay Green Inc. SwedelsonGottlieb Timothy Cline Insurance Agency, Inc.

BRONZE Accurate Termite & Pest Control Bethco Builders Boyd & Associates DM Construction Services Dunn-Edwards Paints Horizon Management Company Mission Landscape Services Pacific Premier Bank PCW Contracting Services, Inc. Poindexter and Company, CPAs Professional Services Construction, Inc. QwikResponse Restoration & Construction Reconstruction Experts, Inc. Richardson Harman Ober PC Silldorf & Levine, LLP Stonemark Construction Management The Termite Guy Three Phase Electric U.S. Bank ValleyCrest Landscape Maintenance We thank our 2013 sponsors who have made a substantial contribution to ensure our continued success this year.

Contact the Chapter Office at 818-500-8636 to sponsor a program or an event.

CAI-Greater Los Angeles Chapter

MESSAGE

FROM THE PRESIDENT

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S EXPECTED, THE SUMMER HAS sailed by, leading us into a promising fall for our Chapter. Before folding up the beach chairs, however, I want to acknowledge the efforts of several chapter volunteers who have outdone themselves by pulling off a trifecta of successful Chapter social events. Our social events not only provide a much-needed break from the daily grind that our industry provides, but also allows us to network with each other in a fun, relaxed atmosphere. It is during these events

when we realize we enjoy just hanging out with each other and that helps us connect as industry professionals.

Our Wine Night at the Rosenthal Wine Tasting Room has become a Chapter favorite (and not just because of the wine!). After a short hiatus, our Wine Night committee brought this event back last year with tremendous success and they repeated it again in August.

My thanks to the entire Committee and especially Katy Krupp, Jolen Zeroski and Joanne Peña for being the driving force that created a great evening in Malibu with colleagues, friends and a nice Cabernet!

Our Game Night as well has become a Chapter tradition, and this year we added our talent element with Star Search. Little did we know that our members are not only successful at their trades but talented as well. Hats off to Angel Fuerte and Don Campbell for a great night.

And of course a CAI summer would not be complete without our perennial

favorite Golf Tournament. Co-Chairs Teresa Agnew and Daisy Vasquez reminded us just why “There’s Always Time For Golf.” Congrats to the Golf Committee for a hole-in-one.

We head into fall with an exciting agenda of quality education programs that will present the latest trends, new laws and recent developments in our industry. Programs Committee Chair extraordinaire Linda Healey and her committee are on fire! They keep it coming month after month with great topics and talented presenters.

I encourage each of you to join us.

Not only will you walk away with new information, but you will also have a great time with your colleagues. A current list of our lunch programs is posted on the Chapter Website Events Calendar at www.cai-glac.org.

Very truly yours, Matt D. Ober, Esq. 2013 Chapter President

Have You Just Been Elected to Your Board...

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CAI offers a one-day workshop that you won’t want to miss! It gives you the basics that you need to govern more effectively and efficiently. You’ll leave the workshop with new ideas, solutions to problems, handouts for future reference and the knowledge that there are more resources and people to help you with your leadership responsibilities. Course topics include: responsibilities, rule enforcement, maintenance, finance, reserves, insurance and board meetings.

Cost: Cost: $80/Member; $100/Non-member $80/Member; $100/Non-member Next Class: Next Class: April 14,September 2012 Saturday, 21, 2013

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Course fee includes course course materials, materials,continental continentalbreakfast breakfastand andlunch. lunch. Workshops Workshops are are held on Saturdays.

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To learn more about CAl’s newest service and how mediation can benefit you, call the Chapter Office at 818-500-8636.

July/August 2013 | www.cai-glac.org

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Financial Crisis Recovery Update: Spending Smarter, Saving For a Rainy Day >>> By Les Weinberg, RS, MBA & Scott Clements, CPI

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s the national and regional economies continue to rebound from the 2007-08 Financial Crisis and ensuing Global Recession, common interest developments (CIDs) are seeing changes to their local economies. As a result, homeowners associations are spending smarter and saving more than they did before the Great Recession.

to spend wisely. They are analyzing more details in proposals, noticing fees and services offered, and understanding the total value proposition more than ever.

CID BODs seem to better understand the need to invest in proper maintenance of the facilities. It has been observed that they are increasing their use of service plans and investment in infrastructure rehabilitation, sometimes selecting items that may have a higher initial cost, but a lower annual cost due to longevity or reduced maintenance.

The financial crisis heightened the awareness of “what could happen” scenarios. Many CIDs were forced to reduce or suspend reserve contributions, creating greater future liabilities for the membership. Others, in more dire circumstances, withdrew reserve funds to meet immediate obligations, creating the need to repay the monies borrowed within California Civil Code requirements (1 year), and creating a large funding liability for current as well as future owners. Worse still were those that had little to no reserve funds to begin with. They were limited to immediate special assessments, or costly loans, to meet their obligations.

The financial crisis saw the development of previouslyrare actions in CIDs, such as: writing off homeowner bad debt, customized payment plans, suspension of reserve contributions, and borrowing from reserves for day-to-day expenses. While drastic actions they may have been, given some of the circumstances in which the decisions were made, it would be difficult to argue against their use. Fortunately, with unemployment lowering, fewer delinquencies, and the return of real estate price appreciation, CIDs are seeing the light at the end of the tunnel, and they have learned from their turbulent financial journey.

Business partners across a wide range of services are reporting an increase in spending activity. They are also reporting more scrutiny in the process. Boards of directors (BODs), with the recent experience of having a shortage of funds, have learned

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CID BODs are also discovering the new financial scrutiny of the banking industry. Federally insured or sponsored loans, such as those from FHA, VA, Fannie Mae and Freddie Mac, have had underwriting requirements for CIDs for decades (10% of operating budget designated to reserves, etc.). Those requirements, however, and other recently-modified or added requirements, are now being more strictly enforced than in the years leading up to the financial crisis. (Many economists cite this as a contributory factor to the financial crisis.)

Therefore, consumers have limited choices of available loans when purchasing an interest in a community—which could have a severe and adverse impact on the value of units located within a poorly-funded CID. CIDs that fail to meet underwriting criteria may find the regular business of member transition and refinancing challenging. With limited loan options for consumers wishing to purchase, the opportunities for current members to sell their units diminishes equally. Additionally, current members CAI-Greater Los Angeles Chapter

requirements. Members in such CIDs could find themselves in a difficult selling or refinancing position, severely impacting the value and usability of the asset.

Fresh with the knowledge of these harsh realities of future maintenance obligations—or as some homeowners phrase it, “retirement savings plan for the property”—and the financial scrutiny of CIDs in the underwriting process, CID decision makers are more aware of the need to achieve prudent reserve balances and to adopt reasonable funding plans.

While “Mr. I NEVER RAISED DUES WHEN I WAS ON THE BOARD” still exists in some communities, community managers, board members, and even the general membership better understand that this is an unobtainable goal without massive special assessments somewhere down the line.

Consumers now understand the ramifications of terms like “unsustainable,” or “municipal bankruptcy.” While increasing assessments is never popular, memberships are more understanding of the fact that their grandparents were right—you should spend less than you earn, and save for a rainy day, as it will most certainly rain again someday!

wishing to utilize their home equity (remember that?) for second mortgages, construction loans, or reverse mortgages will also find it difficult to meet federal underwriting

Les Weinberg & Scott Clements are the co-owners of Reserve Studies Inc. , a full service reserve study firm serving California and Arizona. They can be reached at les@reservestudiesinc.com and scott@reservestudiesinc.com, respectively.

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CAI-Greater Los Angeles Chapter

July/August 2013 | www.cai-glac.org

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S THE NUMBER OF GATEDCOMMUNITIES increases in cities around the state, homeowners associations are facing more and more challenging issues in responding to their residents’ desires to have safer, wellcontrolled streets, sidewalks and passageways. One of the biggest challenges is how to enforce the speed limits, stop signs and improper driving violations occurring within their communities, either by homeowners, their friends or visitors, or workers entering the association grounds.

A roadway is private if it is not maintained and serviced by the local municipality or government body. If it is maintained by the government entity, then it is not a private road, and access cannot be denied to anyone who wishes to enter. Most, if not all, gated communities have privatelyowned and maintained roadways which allow the association to restrict access upon entry, and pass reasonable rules on the use of those roads.

The problem then becomes how to enforce the traffic rules upon those roadways. >>> By David Rosenberg

association has the authority to enact and enforce traffic rules against anyone who lives, visits, or works within those areas controlled by that association, it cannot depend on local government to provide that enforcement. Then, how can an association properly maintain order within its community?

One way is the implementation of a new tool against traffic violators. The radar gun/video cam allows uniformed security officers to not only track speeders on any private roadway or throughout common areas used by vehicles, but at the same time record a video of that activity. That documentation can be presented to the association board, and an administrative action can be initiated against the violating homeowner.

The goal, of course, is to deter the violations from being committed in the first place; enforcement of the illegal behavior should be a last resort. So work with your homeowners, your management, and your legal counsel to develop reasonable and realistic policies.

Let the members know about any changes in traffic rules or enforcement policies that are coming their way. Finally, make sure that your association has the ability (or technology) to effectively enforce your new policy. If done properly, this unique approach to the monitoring and documentation of driving behavior can allow communities to enjoy a safer, more peaceful environment than they had previously known.

MAKING YOUR COMMUNITIES’ STREETS SAFE

Communities located in an unincorporated part of the county have some options. Under section 21107.5-21107.9 of the California Vehicle Code (CVC), law enforcement officers can enforce speed limits on private roads in unincorporated areas of the County.

However, these rules must be consistent with existing law, and communities will have to work with law enforcement to ensure that the standards are reasonable and legal. These types of communities are the exception and not the rule.

In most cases, communities will be responsible for monitoring their own common area streets and roadways. While an

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David Rosenberg is the president of The Centurion Group, a private security company headquartered in North Hollywood. David can be reached at david@tcgla.com.

CAI-Greater Los Angeles Chapter

In the face of security company acquisitions, we are still a boutique security company LARGE enough to handle any account yet SMALL enough to offer outstanding customer service.

CAI-Greater Los Angeles Chapter

July/August 2013 | www.cai-glac.org

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FINANCING A IN A TOUGH ECONOMIC ENVIRONMENT ■ ■ ■ By David Shahrabani

I. INTRODUCTION The current economic climate is tenuous. Wherever we get our news—be it the newspaper, Internet or television—we cannot get away from the fact the economic data being released leaves us with many concerns.

The government report of jobless claims has stabilized.

According to the most closely-watched indicator, the NonFarm Payroll index, which is released monthly by the Treasury Department, the United States has been adding over 100,000 jobs monthly over the last 12 months. Prospects for the remainder of 2013 appear to be improving. Nevertheless, under these circumstances, associations are seeking professional services to guide them through these economic conditions.

The situation is clearly not any easier than it was two years ago before the sub-prime crisis reared its ugly head. Paying for property repairs or improvements has become a much more complicated riddle to solve. As the economy deteriorates, the upkeep of the association becomes more complicated for the unit owners, the board and the management company.

Ultimately the decision to go forward with a project completely, in a scaled-down manner or not at all, rests with the association. If the project proceeds, it can be paid for in three basic fashions: utilizing established reserves, assessing the unit owners up front, or securing a bank loan. For the purpose of this article I will address the latter.

A bank loan offers the following advantages: ■■ The potential slide of property values may be slowed or eliminated when the association improves the appearance of property and eliminates any structural integrity problems; ■■ Needed repairs or improvements can be completed quicker, as total funds become available faster; and ■■ The financial impact on unit owners can be reduced, as unit owners can pay their share of the loan over time.

Approaching a bank can either be through a board member or, in most cases, the management company or the on-site manager.

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Initially the bank will ask for: ■■ The scope of the project; ■■ The professionals that have been consulted such as engineers, contractors, attorneys or CPA’s; and ■■ The loan structure being sought, such as a Line of Credit, a Term Loan or a combination of both.

II. FACTORS INVOLVED IN THE BANKS CREDIT DECISION There are many factors involved, and they differ depending on what financial institution is approached. I will list them in order of importance, with a detailed look on what is needed to make this credit decision.

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CAI-Greater Los Angeles Chapter

DELINQUENCIES

RENTAL RATIO

This is the most important factor. The arrears basically will show a picture of the health of the association, and may possibly indicate how the property is managed. The management firm, working together with the association’s attorney, should show an aggressive strategy in minimizing the receivables from the unit owners and pursue delinquent unit owners with payment plans and possible foreclosure actions. Many associations are including a bad debt line item in their annual budget, anticipating cash flow shortfalls. The bank will ask for a copy of an aged-delinquency report. These differ in styles, but generally identify the unit owner and the amount in arrears. The arrears data is broken down into 30-day increments. Financial institutions have different tolerance levels for the percentage of delinquency. Some financial institutions may also look at the number of delinquent units. The association should consult with its banker to determine what those tolerance levels are. In some instances other mitigating factors can aid in overcoming above-average delinquency levels.

The bank will want to determine the number of units that are owner-occupied, how many units are rented, and how many are second homes. It will also be determined if there is a concentration of ownership. Concentration of ownership is the ultimate “no-no” in community association lending. High concentrations of several units being owned by one entity create additional risk for the lender.

LOAN TO VALUE A reasonable ratio of the amount being loaned to the market value of the unit is one of the tests that most lenders perform.

Financial institutions have different tolerance levels in this area. Consult with your banking representative to determine that institution’s tolerance level in this category.

The management firm generates a document titled the Unit Owner Roster, reflecting the mailing address of the owners.

The financial institution will utilize this report to aid in determining the rental ratio.

The prevailing view here is that an owner will show a greater caring of the unit and common elements, as opposed to a renter, because of the fact that they have a vested interest in the property maintaining its value.

IMPACT OF DEBT SERVICE TO MONTHLY MAINTENANCE How much will the monthly debt service affect the ability of the unit owner to make their regular payments? A high increase in the maintenance payments could pose a problem, as arrears could increase and lead to problems of maintaining the property.

Debt service is defined as a series of payments of interest and principal required to payoff the debt over a period of time.

CONTINUED ON PAGE 10

CAI-Greater Los Angeles Chapter

July/August 2013 | www.cai-glac.org

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FINANCING A PROJECT IN A TOUGH ECONOMIC ENVIRONMENT

to determine if the lending institution wants to extend a commitment to the association requesting to borrow funds.

CONTINUED FROM PAGE 9

Should the request be approved, the bank issues a commitment letter outlining the terms and conditions of the credit facility. The commitment letter may contain the terms for a line of credit, a term loan or a combination of both. Be wary of letters of intent; they are not formal commitments and can sometimes cloud the “bidding” process.

SIZE OF THE ASSOCIATION A small association represents greater risk, as each unit has greater relevance to the overall budget of the association.

While this number may vary, generally associations under 20 units would not be considered for this type of lending.

DEVELOPER-CONTROLLED ASSOCIATIONS Developer-controlled associations are generally not considered for this type of lending. Some state statutes provide exemptions for associations that have financial obligations which were bound by developers.

III. EVALUATING ALL THE FACTORS Upon receipt of the credit package, the bank’s underwriting team will make sure they are all in proper format, and many banks want to evaluate the association’s Financials, Owner Occupancy, and Delinquencies based on information that is current (no more than 30 days old). It is to each community’s advantage to present to the lender properly prepared, audited or reviewed financial statements.

Based on the information provided, a thorough analysis of the bank’s credit risk to the particular request will be studied

Fax: 661-268-0900

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IV. SUMMARY Many of us, working in the common interest development industry for many years or coming from other fields, have never had the firsthand experience in dealing with such rough financial circumstances as we have seen over the last four years. Experts are predicting that the economy may begin to show steady improvement sometime in 2013. Whatever the timeframe, be prepared with accurate financial documentation and all other relevant information prior to approaching any financial institution. The decision to borrow or not to borrow continues to be one of the most important decisions facing a board and its community. This writer cannot emphasize enough the importance of community associations surrounding themselves with professionals to aid in this decision-making process.

David Shahrabani is a vice president at Popular Association Banking, a division of Banco Popular North America. He can be reached at dshahrabani@bpop.com.

Specializing in: Exterior Painting & Waterproofing of Condominium Complexes, Apartment Buildings, Office Buildings & Large Commercial Buildings

CAI-Greater Los Angeles Chapter

PCAM® Pride MEIGAN EVERETT, CMCA®, PCAM®

We are very proud of two managers who have recently earned the PCAM® designation after successfully completing CAI’s Professional Management Developmenet Program.

ALEXANDRIA POLLOCK, CCAM ®, PCAM®

Meigan Everett is a real estate broker, philanthropist and owner of Gold Coast Property Pros in Marina del Rey, CA, a firm specializing in association management throughout the Los Angeles area. When she graduated, with honors, from University of Arizona with a BA in political science, Meigan followed her dream to live by the beach and started her career at a large HOA management firm in Orange County. Recognized early on by the California Association of Community Managers with an award in Communications, Meigan has continued to contribute to the industry by authoring articles for CAI-GLAC’s FOCUS Magazine and Condo Management Magazine. A CAI member since 2007, Meigan is actively involved in CAI-GLAC and currently serves as the Community Outreach Committee Chair.

Meigan believes that education and her endless patience are the keys to her success and ability to assist clients through any problem. Dedicated to her profession for 15 years, Meigan is proud to now hold the PCAM® designation.

Alexandria Pollock has worked for Seabreeze Management Company Inc., AAMC, for six years. As a rising star in the industry, Alexandria’s strong leadership skills and passion for community management have allowed her to successfully manage multiple luxury high-rise communities in Los Angeles. Currently, Alexandria is the on-site General Manager for Bunker Hill Tower Condominium Association where she has spearheaded many intensive renovation projects to make the community one of the best places to live in downtown Los Angeles.

Alexandria is committed to her continuing education and is an active member of the Community Association Institute’s Greater Los Angeles Chapter (CAI-GLAC). In addition to recently receiving the PCAM® designation from the Community Associations Institute (CAI), Alexandria holds the professional designation of Certified Community Association Manager (CCAM®) from the California Association of Community Managers (CACM).

WE REPRESENT COMMUNITY ASSOCIATIONS

Since 1987 we have limited our practice to providing a full range of legal services for • Condominiums • Planned Developments • Cooperatives • Homeowner Associations There is no substitute for experience!

Ventura County 805.650.7899

www.lawforhoas.com www.hoalawblog.com

CAI-Greater Los Angeles Chapter

Orange County 949.476.3789

Los Angeles 310.207.2207 California 800.372.2207

San Francisco 415.762.1889 July/August 2013 | www.cai-glac.org

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The Affordable Care Act— Minimizing Your Costs  By Anthony Elliot

ON JANUARY 1, 2014: ✪✪ A new premium tax will be imposed on all existing and newly-sold health plans, no exceptions. ✪✪ Guaranteed Issue comes to individual plans—applicants can no longer be declined, or see their premiums raised, for pre-existing conditions. (Small Group plans have had this benefit for years.) Sales for guaranteed issue plans begin Oct 1 for the January 1 effective date. ✪✪ MediCal is greatly expanded, possibly assisting even those earning up to $11 or $12 per hour. ✪✪ The Individual Mandate requires everyone to have coverage, or pay a small penalty. Those without coverage through their employer or MediCal will have to buy it. ✪✪ Government subsidies will help individuals pay insurance premiums and out-of-pocket costs. Individuals earning up to $46,000, and families earning up to $92,000, may qualify. ✪✪ Government subsidies go to qualifying small businesses purchasing group health insurance. ✪✪ Subsidies only available to individuals and businesses purchasing through the California health benefits exchange are called COVERED CALIFORNIA. The State spent $940 million to establish this insurance marketplace. Plans will be standardized and named after metals: Bronze, Silver, Gold, Platinum. Carriers must conform to these plans; a Bronze plan from Kaiser will be identical to a Bronze plan from Anthem or Blue Shield.

You may access Covered California through certified insurance brokers, online, or through government Navigators. Prices are the same no matter which saleschannel you use. Plans are still available outside the exchange. Covered California opens for business on Oct 1st, selling plans for the Jan 1 effective date.

DESPITE OPPOSITION FROM REPUBLICAN LAWMAKERS, THE MAJOR PROVISIONS OF THE AFFORDABLE CARE ACT WILL GO LIVE IN CALIFORNIA ON JANUARY 1, BRINGING NEW ENTITLEMENTS FOR INDIVIDUALS AND SMALL BUSINESSES, BUT ALSO OBLIGATIONS AND HIGHER PREMIUMS. BY ACTING NOW, MANY INDIVIDUALS, BUSINESS PARTNERS, AND ASSOCIATIONS CAN BENEFIT FROM THE NEW LAW, WHILE MINIMIZING THEIR COSTS.

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✪✪ Age-band compression: Currently, older insureds are charged far more than younger ones, but on January 1st, the disparity is capped at a 3:1 ratio. ✪✪ New coverage mandates, new charges, age-band compression, and Guaranteed Issue will raise premiums for the new ACA-compliant plans of 2014, but the real impact is expected in 2015, after a year of experience.

If you now have insurance, and it meets your medical needs, then you’ll probably want to keep it for as long as possible.

If your plan was in existence prior to Sept 23, 2010, you may have a grandfathered plan, which will shield you, perhaps for many years, from much of the rising cost of Obamacare.

Read your recent insurance documents or call your insurance company to see if your plan is grandfathered.

CAI-Greater Los Angeles Chapter

If you now have Small Group health insurance, when your A controversial provision of the Affordable Care Act, the 12-month policy-term expires, higher-priced ACA-compliant Employer Mandate, has been delayed until 2015. This would plans will replace those that are non-grandfathered. But be have required employers with 50 or more full-time workers aware that carriers have announced a special, early opento pay a stiff penalty in 2014 if they did not provide health enrollment option for December, 2013. If your next open coverage. (There is no mandate for businesses smaller than 50 enrollment would ordinarily be February of 2014, taking it 2 employees.) But although Obamacare is still evolving, it will months early—Dec 2013—means locking in pre-Obamacare soon be here. prices until December 2014. This If you’re confused or distressed by the would be beneficial for many, but not coming changes, I recommend some IF YOUR PLAN WAS IN EXISTENCE all, small groups. Examine this option “retail therapy”. Do some comparisonPRIOR TO SEPT 23, 2010, YOU MAY now because there are deadlines shopping with an expert health approaching for your decision. Kaiser’s HAVE A GRANDFATHERED PLAN, WHICH insurance broker to see what’s available is August 30th; others come soon after.

WILL SHIELD YOU, PERHAPS FOR MANY for you or your business. For those of Announcements arrive daily from us who don’t have grandfathered plans, YEARS, FROM MUCH OF THE RISING the carriers. In the individual market, it may be best to make a purchase, or a COST OF OBAMACARE. Anthem will be terminating its nonplan change, before the price increases grandfathered plans on January 1; of January 1st. Bear in mind that a subscribers will be “mapped” into the new ACA-compliant health insurance broker’s services cost you nothing as brokers plan that most closely matches what they had; Anthem has are compensated by the insurance carriers, who charge the no grandfathered Small Group plans. Blue Shield has not same for their health plans whether you go yet announced what will happen to their non-grandfathered through a broker or buy direct. individual plans; none of their small group plans are Anthony Elliot is president of The Anthony Elliot Insurance grandfathered. Aetna and United Health are leaving the Agency, Inc. and the former Legislative Chairperson of the individual market in California.

Los Angeles Association of Health Underwriters. He can be

“

”

reached at aelliot@elliotinsurance.com.

PROPERTY MANAGEMENT & HOA BANKING Seacoast Commerce Bank offers a full range of comprehensive banking and financial services for Homeowner Associations and property management companies.

ProPerty ManageMent & Hoa Banking solutions • Depository Services • Cash Management • Remote Deposit Capture

Seacoast Commerce Bank provides our Property Management and Homeowner Association clients the ability to maximize their use of bank services. We understand the unique Banking needs of our Property Management and Association clients, providing industry specific products and customer service that you have grown to expect and deserve.

allison disarro Vice President HOA Banking Division

CAI-Greater Los Angeles Chapter

619-988-6708 Mobile 858-312-7030 Fax adisarro@sccombank.com

• Lockbox Services • ACH Origination • HOA Financing • Online Dues Program

11939 Rancho Bernardo Rd, Suite 200 San Diego CA 92127 www.sccombank.com

July/August 2013 | www.cai-glac.org

13

NEWS

FROM SACRAMENTO

Decision to Make AB 1360 a Two-year Bill California Legislative Action Committee (CLAC) Chair Pamela Voit has issued the following statement on AB 1360, authored by former Assemblymember and newly elected Senator Norma Torres, and co-authored by Assemblymember Richard Gordon, sponsored by the Community Associations Institute’s California Legislative Action Committee (CAI-CLAC).

“We have decided to conduct further research into electronic balloting procedures and safeguards before proceeding with the bill’s current version. Between now and the end of this year, we will be reaching out to internet voting companies, other states and organizations to compare differences in approach and systems, determine best practices and discern variances, successes and failures in Internet voting in order to devise the best possible statutory language.

“Currently, common interest development association elections are subject to specific procedures, which are more restrictive than other non-profit corporations. In 2006, SB 1560 passed and although it was designed to improve the way elections were performed, it also dramatically increased costs, as the entire election process must be now be repeated until a quorum is achieved. This forces associations to spend thousands of dollars each year to conduct elections, which could instead be used to help maintain properties and serve the interests of community members.

“Our efforts to date have spotlighted the needed, next generation in community association voting. Having the option of Electronic balloting will greatly benefit 45,000 common interest development associations in California in terms of greater voter participation, efficiency, cost reduction and more accurate vote tabulation.

“The bill has received wide bi-partisan support to date (69-3 in the Assembly), as both Republicans and Democrats see the inevitability and cost-effectiveness of such technological improvements to our voting privileges.”

In addition, Senator Torres has released the following statement on AB 1360: “Community associations are powered by the people that live in the communities and it’s important that they are involved in the decision making process,” Torres said. “This bill is part of our effort to modernize the democratic process for community associations and will help increase involvement while reducing costs.”

News from Skip Daum, CAI Legislative Advocate

C

LAC has taken an OPPOSE position on Senate Bill 391 authored by Senator Mark DeSaulnier, the Chairman of the Senate Housing Committee.

that it would not become effective unless SB 391 is signed into law. So, instead of getting mad, certain legislators simply get even, and the politics of give-and-take is alive and well.

It is intended to raise $750 million dollars in order to build more affordable housing. Unfortunately, its funding mechanism requires a $75 fee on every recordation with the notable and ironic exception of home sales transactions.

The fee applies to EVERY recorded document, including mechanic liens, marriage and death certificates, and HOA governing document changes.

The legislative session will resume from its summer break for one month and then goes into the “interim recess” until January. During that time CLAC will be working hard to perfect our AB 1360 (Torres) in order to remove the California Secretary of State’s opposition to electronic balloting in community associations. The second year of this session commences in January.

This means that HOAs are disproportionately impacted, as all their documents will be assessed this fee. In a typical assessment collection and possible foreclosure action, this can result in five (5) different recordations for a total of $375.

Thus, the bill unduly and negatively impacts our associations.

CLAC will remain vigilant and lobby any bill that significantly affects your community associations and will provide a midsession report for you in September.

These fees are initially the burden of the party recording the documents, but are ultimately the responsibility of the property owner. Ironically, these persons are often already financially at risk, so the bill would end up adding to their plight.

There are close to 300 lobbying organizations in support of SB 391, but the California Association of Realtors(CAR) now opposes it, despite initially supporting it. In a deft move last month, the Senate amended a bill sponsored by CAR to state

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To help us fight these and many more battles in Sacramento, please support us by donating a “Buck-a-Door” or more. Your donations do NOT go to any political party or politician, but are used to educate legislators about the true impact of legislation on community associations. Find out more about the Buck-a-Door program by visiting CAICLAC. com and looking under “Donate Now.” Skip Daum is our veteran Legislative Advocate for CAI's California Legistlative Committee and may be reached at caiclac@aol.com.

CAI-Greater Los Angeles Chapter

OUR THANKS TO 2013 CLAC CONTRIBUTORS JANUARY 1 – APRIL 30, 2013

101 Ocean Condominium HOA 1144 Seventeenth Street HOA 826 2nd Street HOA GOAL: $23,081 2050 Artesia HOA 2641 4th Street HOA 11767 Sunset Blvd. Assn.

ALI Condo OA Bodger Park Condo HOA Bougainvillea Townhomes HOA Budlong Villas HOA Inc. 49% Cardiff Court O.A. Inc. of goal as of 7/31/13 Casa de Oro Condo HOA Casa De Valley View OA, Inc. Centinela Townhomes II HOA Chalmers/Wooster Plaza HOA Chateau Goshen HOA CURRENT Culver Centrale HOA CONTRIBUTION Del Mar Terrace HOA TOTAL: Galaxy HOA

$11,296

CAI-Greater Los Angeles Chapter

Gorham Park HOA Inc. Hayworth OA Hillcrest Meadows OA Hillcrest Rolling Hills HOA Idaho Villas HOA Kelton Arms COA Lawford HOA Marine Village HOA Oak Hill Condo HOA Oak Street HOA Ocean West COA Park Crest HOA Parkview Manor-Lockland Inc. Polynesian OA Rancho-Glen HOA Roxbury Park COA Seascape – Redondo HOA Inc. Silver Spur Court HOA Silverview Townhomes HOA Inc.

South Bay Estates HOA South Hermosa Townhomes HOA Inc. South Shore Mediterranean HOA Diana Stiller, PCAM Stratford-Compton Park Townhouses OA, Inc. Textile Building OA The Brentwood at Kiowa HOA The Vista Pacifica HOA V.I.P. Goshen Assn. Inc. Villa Pacifica T.C. HOA Villa Serena C.A. Inc. Westgate Townhomes COA Westside Townhomes HOA Wilshire Selby Towers East C.A. Inc. Wolf, Rifkin, Shapiro, Schulman & Rabkin, LLP

July/August 2013 | www.cai-glac.org

15

CAI Golf Tournament

There’s Nothin’ Bet Best Decorated Tee VISTA PAINT CORPORATION

CAI MEMBERS and GUESTS thoroughly enjoyed this year’s Golf Tournament at Woodland Hills Country Club on June 10. Tee sponsors carried out the “World of Superheroes” theme with innovative decorations, and Batman made a surprise appearance to pose with players at they entered the banquet.

Putting Contest Winner Stan Taff

Reverse Raffle Winner

CONTEST SPONSORED BY TAYLOR ROOFING & PAINTING

Meigan Everett with Gary Lieberman

Longest Drive Winner (Women’s) Bonnie Stoeppelman

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Low Net Foursome

Low Gross Foursome

Honesty Award (Highest Score)

Russell Hoffman Mark Reider Steve Robinson Paul Zerella (not pictured)

Alex Macaluso Jay Montalvo Alex Montalvo Stan Taff

Krista Lesa Leslie Atha Brad Bishoff Doug Hansford

Longest Drive Winner (Men’s)

UNION BANK

FPK SECURITY, INC.

VALLEYCREST LANDSCAPE MAINTENANCE

Alex Macaluso with Teresa Agnew

www.cai-glac.org | July/August 2013

CAI-Greater Los Angeles Chapter

SPONSORS

Monday, June 10, 2013 Woodland Hills Country Club

TITLE Securitas Security Services USA, Inc. Wolf, Rifkin, Shapiro, Schulman & Rabkin, LLP LUNCH Beaumont Gitlin Tashjian SOUVENIR PHOTOS Accurate Termite & Pest Control

etter Than Golfing!

CHAMPIONSHIP Pacific Western Bank Preferred Commercial Painting PUTTING CONTEST Taylor Roofing & Painting

Our thanks to the Golf Committee for its good planning and hard work: Co-chairs Teresa Agnew (Roseman & Associates, APC) and Daisy Vasquez (Securitas Security Services USA, Inc.), as well as Committee members Caesar Aguirre (Concrete Hazard Solutions), Mike Boghoskhan (South Shore Building Services, Inc.), Isaac Camacho (Accurate Termite & Pest Control), Chris De Armas (Servpro of Hollywood Hills/Los Feliz), Ryan Dooley (Urban Tree Care), Ryan Dudasik (Empire Community Painting & Construction), Ashley Garrison (ValleyCrest Landscape Maintenance), Jeff Koscher (Har-Bro Emergency Service & Restoration), Kelley Lewis (South Shore Building Services, Inc.), Gary Lieberman (Payne Pest Management, Inc.), Jay McMullen (Allstate Landscape Services, Inc.), Brian Moreno, Esq. (Richardson Harman Ober PC), Steve Robinson (Nu Flow America) and Stephen Winterrowd, (CertaPro Painters Ltd.).

Closest to the Pin #8 (Women’s)

Closest to the Pin #8 (Men’s)

Closest to the Pin #15 (Women’s)

Jolen Zeroski with Kris Jones and Tiffany Christian

Guillermo Amador with Kris Jones and Tiffany Christian

Alba Monroy with Ashley Garrison

SPONSORED BY NAUTILUS GENERAL CONTRACTORS

SPONSORED BY NAUTILUS GENERAL CONTRACTORS

SPONSORED BY VALLEYCREST LANDSCAPE MAINTENANCE

Closest to the Pin #2 Wade Nicols (Hole in One) SPONSORED BY ALLIANCE ENVIRONMENTAL GROUP, INC.

CAI-Greater Los Angeles Chapter

WINNERS NOT PICTURED Closest to the Pin #7 (Men’s) Derek Fainstein SPONSORED BY LANDSCAPE DEVELOPMENT, INC.

Closest to the Pin #15 (Men’s) Rob Perkins SPONSORED BY VALLEYCREST LANDSCAPE MAINTENANCE

TOURING PRO R.W. Stein Painting, Inc. BEVERAGE CART Behr Paint Corp./THE HOME DEPOT USA Urban Tree Care BLOODY MARY SPONSOR Servpro CONTEST HOLE SPONSORS Alliance Environmental Group, Inc. Boyd & Associates Landscape Development, Inc. Nautilus General Contractors ValleyCrest Landscape Maintenance MEET & GREET HOLE SPONSOR American Technologies, Inc. CertaPro Painters Ltd. CommerceWest Bank Dunn-Edwards Paints Har-Bro Emergency Service & Restoration Hi Tech Painting & Decorating, Inc. Jon Wayne Construction & Consulting Reconstruction Experts, Inc. S.B.S. Lien Services South Shore Building Services, Inc. ServiceMaster by Eddie The Termite Guy

Thank you for your support!

July/August 2013 | www.cai-glac.org

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& Hanging Out With Friends!

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CAI-Greater Los Angeles Chapter

CAI-Greater Los Angeles Chapter

July/August 2013 | www.cai-glac.org

19

Know Your Procedures!

Courts Require Strict Compliance – Membership Voting and Liens    By Jeanne McDonald, Esq. After something of a dry spell, the California courts have recently issued two decisions that could have a big impact on homeowners associations. In the first case, Wittenberg v.

Beachwalk Homeowners Association (2013) 217 Cal.App.4th 654 (“Wittenberg”), an association’s board marketed heavily for the owners to approve a CC&R amendment. The appellate court ruled that the board had violated Civil Code § 1363.03, Subsections (a)(1) and (a)(2) by not providing owners equal access to campaign against the amendment. (We may think of equal access only in terms of board elections, but the requirement applies to any membership vote.) However, this association’s campaign violations did not automatically invalidate the vote. The trial court would decide whether that would be appropriate.

Section 1363.03(a)(1) requires associations to give owners equal access to “association media” to advocate a point of view reasonably related to a membership vote. The board

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had urged passage of the amendment in letters, charts summarizing both the board’s and the opposition’s position, bulletin board postings, newsletters, and Web site articles.

One owner attempted to use these media for a response by writing a newsletter article, but the board denied permission.

The Association argued that boards could present their association’s point of view without giving owners equal access but the court disagreed.

CAI-Greater Los Angeles Chapter

Subsection (a)(2) requires boards to provide access to common area meeting spaces at no charge to advocate a point of view about a membership vote. Access cannot be denied to all parties, like the “all or nothing” approach for media. In Wittenberg, one owner used a meeting room but was charged the usual $90 rental fee, and the board denied another owner’s request to use a greenbelt plus association tables and chairs for an entire day.

The lessons from Wittenberg are: During a membership vote, associations must make each form of media available either to no one at all or to everyone for purposes of advocating a point of view about the vote. If the board expresses an opinion on a vote in any form of media, that media is open to all owners for the same purpose. Boards cannot edit the members’ statements. If an owner wants to use a common area space for purposes “reasonably related” to a membership vote, the association must allow it. Rental fees must be waived, although the usual damage deposit can be charged. If the owner’s request is unworkable, the board should seek the advice of counsel before responding.

IN THE SECOND CASE, Diamond v. Superior Court of Santa Clara County (2013) 217 Cal.App.4th 1172, the court reviewed several errors in the lien process that Casa Del Valle Homeowners Association used against plaintiff Arlyne Diamond. First, the pre-lien notice informed Ms. Diamond that she could request either IDR (“meet and confer”) or ADR (alternative dispute resolution) but not both, and when

CAI-Greater Los Angeles Chapter

she requested both, she was denied. Civil Code § 1367.1(a) requires the Association to offer both IDR and ADR. Secondly, the Association missed the 10-day deadline to mail Ms. Diamond a copy of the recorded lien as required by Civil Code § 1367.1(d). Lastly, in violation of Civil Code § 1367.4(c), the Association voted to foreclose on the lien in executive session but did not record that decision in the minutes of the next open meeting or personally serve notice of that decision before filing its lawsuit to judicially foreclose the lien.

The court held that each one of these errors invalidated the lien, and went to great pains to explain that each requirement of the lien and foreclosure process must be exactly met. If they are only substantially met, the lien will have been “recorded in error” and it must be removed and the process started over.

Civ. Code § 1367.1(g). The court was very clear: The lien is invalid even if the error is minor or inconsequential.

Taken together, these two cases emphasize the need for associations and management to be aware of all applicable legal requirements, not only for elections and foreclosures but for all management and administrative functions. Knowledge and compliance remain the best way to ward off disputes, claims, and more lawsuits like these two.

Jeanne McDonald is the principal of Law Offices of Jeanne McDonald, a firm located in Encino which represents community associations throughout Southern California.

Jeanne can be reached at jmcdonald@jhmlawoffice.com.

July/August 2013 | www.cai-glac.org

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BOOMTOWN! ■ ■ ■ By Richard Stewart

I’M SURE THAT YOU HAVE HEARD THE STORIES OF THE CURRENT HOME SALES SURGE: MULTIPLE OFFERS, BIDDING WARS AND CASH SALES. MUSIC TO MY EARS. Every contractor in the construction field wants to hear stories like this. For that matter, this good news is all inclusive. Every private citizen, of course, benefits from this market, including the HOA market. Condos follow right behind houses in market trends.

It has long been stated that the home sales and construction market is the engine that fuels the economy. Well, I knew the market was hot, and it makes sense with unbelievably low interest rates that have bottomed out and now are slowly creeping up—and the low inventory of homes due to years of virtually zero new home construction. It all makes sense. It’s like the perfect storm has hit Los Angeles.

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But I found out a few days ago just how hot the market really is.

One of my clients in Tarzana was complimenting me on the exterior painting job I had just finished for him. He said a realtor had knocked on his door the day before and asked him if he wanted to sell his house. He politely said, “No thank you.” The realtor then gave his card to him and on the back wrote a figure. He said, “This is what I can get for your house.”

My friend said he was very impressed with the high number, but handed him his card back and said, “No thank you.” The realtor THEN said, “Give me a counter offer! “ Of course this is aggressive selling, but WOW! You would have never heard a conversation like that a year ago.

I was telling this story today to another painting customer of mine in La Cañada. She said that realtors have been leaving gifts on her doorsteps lately with their card—pumpkins, potted plants, etc. More evidence of the surge.

One new client has large money investors fueling him to flip million-dollar houses. He predicts that the $4 million house in the Palisades that we just bid will go for $8 million when completed. What is more unbelievable is that he said he just bought five more houses!

CAI-Greater Los Angeles Chapter

If that’s not enough for you, I have more. In fact, since it’s only you and me here, and we’re all alone, I’ll give you my highly secret and confidential economy boom-or-bust gauge that is more accurate than any Wall Street analyst.

I simply count the number of Port-a-Potties I see in a neighborhood when I am driving around.

Of course, a Port-a-Potty in the front yard is a hard fact indicator that a substantial remodel is happening at the house.

Six months ago, Andy Gump was hard to find… anywhere.

The “Gump Factor” is up about 25% in my estimation, indicating a 25% new surge in construction in Los Angeles.

I have firsthand experience in this market. All of my painting crews are flat out working on houses, buildings and HOAs. Bid requests are flooding in and the sales graph is climbing. After 5 or 6 years of a virtually moribund construction market, the deferred maintenance on residences and buildings is fresh kindling for this boomtown fire.

Perhaps your HOA is ready for a facelift. In my opinion, there is no better time than now to invest in this area. Besides the maintenance and protection of your property, the increased value due to any remodel or painting will be sustained and only add to your equity in spades.

The recent UCLA Anderson Forecast is not quite as optimistic regarding the “sustained growth” and recovery of the California economy as I am.

But don’t listen to them. The pointy-headed analysts are not even using the “Gump Factor” in their market calculations.

Port-a-Potties don’t lie.

HAPPY DAYS ARE HERE AGAIN. Richard Stewart is the owner of Richard Stewart Painting Company, a 25-year old company located in the San Fernando Valley. You can reach him at richard@richardpaint.com.

Of course there will be naysayers regarding any good news on any subject.

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CAI-Greater Los Angeles Chapter

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July/August 2013 | www.cai-glac.org

23

Stars were Born at Game Night!!

July 12, 2013 The CenterPointe Club Playa Vista

h c r a e S Star ! ! t h g i N Game

E

EIGHT-FOUR CHAPTER MEMBERS AND FRIENDS met at the CenterPointe Club in Playa Vista on July 12 for an evening of fun and games.

Jennifer Cleveland was the lucky winner of an iPad after managers and business partners played a fast-paced game of Speed Networking.

During the Scavenger Hunt, members learned a little more about each other’s personal side through an interview format. Jennifer Cleveland, Meigan Everett, Nishan Joshi, Kimberly Lilley, Erik Mendez and Craig Phillips were the “stars” of Karaoke. As the evening progressed, additional members got into the singing spirit and entertained the crowd!

Our thanks to the Social Committee for a job well done! Co-chairs Don Campbell (TorranceWindemere HOA) and Angel Fuerte (FRESHCO Painters, Inc.), with Committee members Josh Abramson (A. Allbright Painting, Inc.), Tina Chu, Esq. (Adams Kessler PLC), Leslee Jones (Alliance Environmental Group), Paige Daniels (Association Reserves, Inc.), Casey Forster (General Pavement Management), Kelly Harris (Minuteman Parking), Leslee Jones (American Technologies, Inc.), Kelley Lewis (South Shore Building Services, Inc.), Angelique Madrigal (Ross Morgan & Company, Inc.), Tony Sayegh (Gothic Grounds Management), Stephanie Sanders (Dunn-Edwards Paints) and Renato Sotomayor (ABM Janitorial Services).

Thanks to Our Sponsors MARGARITA BAR

A.Allbright Painting, Inc. SCAVENGER HUNT SPONSORS

Nautilus General Contractors, Inc. Pacific Western Bank Seacoast Commerce Bank KARAOKE SPONSORS

CommerceWest Bank Marina Landscape, Inc. ServiceMaster by Eddie Steven G. Segal Insurance Agency, Inc. SPEED NETWORKING SPONSOR

Anderson Group International TACO BAR SPONSOR

Hi Tech Painting & Decorating, Inc. OCBS, Inc. NAPKIN SPONSOR

South Shore Building Services, Inc.

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www.cai-glac.org | July/August 2013

CAI-Greater Los Angeles Chapter

CAI-Greater Los Angeles Chapter

July/August 2013 | www.cai-glac.org

25

Star Search Game Night !!

Kelley Lewis (South Shore Building Services, Inc.) is a college marketing professor.

Lorie Mottes (Colarossi Painting, Inc.) just won third place in a CAI billiards tournament.

HERE ARE SOME INTERESTING FACTS ABOUT OUR BUSINESS PARTNERS THAT THEY PROVIDED FOR THE SCAVENGER HUNT AT GAME NIGHT... DEFINITE CONVERSATION PIECES.

DID YOU KNOW??

Josh Abramson (A. Allbright Painting, Inc.) has been a huge Clippers fan since before they were popular... and is a season ticket holder (good to know!).

Isaac Camacho (Accurate Termite & Pest Control) has played drums since high school and still plays on special occasions.

Tina Chu (Adams Kessler PLC) used to have a pet snake.

Paige Daniels (Association Reserves, Inc.) has four sisters.

Pamella DeArmas (SAX Insurance Agency) has been to the top of Machu Picchu.

Anthony Elliot (Anthony Elliot Insurance Agency) shot special effects for Lethal Weapon and Predator movies.

Chris Fisher (Out-Fit Fitness Equipment) is an Ironman Triathlete.

Casey Forster (General Pavement Management, Inc.) is a member of the Eagle Scout Association.

Ashley Garrison (ValleyCrest Landscape Maintenance) is getting married in October.

Jim Griffin (Nautilus General Contractors, Inc.) was born on February 29 (leap year).

Sophia Hackler (Anderson Group International) was a People-to-People ambassador in Australia.

Kelly Harris (Minuteman Parking) lived in France for a year.

Audrey Neal (Witkin & Neal, Inc.) is on an album that has just been re-released.

Ricky Pokorny (ServiceMaster by Eddie) has a daughter named CJ. Regina Reynante (W.C. Service Company) is on the committee for Comic-Con. Gina Roldan (Vista Paint Corporation) has three children over the age of 21.

Steve Roseman (Roseman & Associates, APC) is originally from South Africa.

Ishmael Sandoval (The Termite Guy) is a Fire Academy graduate.

Nishan Joshi (West One | Janitorial Services) went on a two-week surfing trip to Costa Rica.

Tony Sayegh (Gothic Grounds Management, Inc.) was a top-ranked discus thrower in high school track and field.

Asi Kaufman (Mulholland Security Centers) watched and tracked chimpanzees in Africa.

Geoff Storey (Alliance Environmental Group) used to live in Alaska.

Cyndi Koester (CommerceWest Bank) had a career as a police officer.

Annissa Young (S.B.S. Lien Services) has traveled to Rome.

Aaron Laredo (iNX Building Maintenance) is writing a book on how to be a single father raising two kids.

Les Weinberg (Reserve Studies Inc.) spent a month in Southeast Asia doing research for his master’s thesis.

Miranda Legaspi (Platinum Security) runs halfmarathons.

Stephen Winterrowd (CertaPro Painters Ltd.) was in an episode of All My Children.

Milstein|Adelman, LLP Specialized banking for community associations & management professionals

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2011HOAad-35x475.indd 1

12/22/11 7:26 AM

Lee Jackson, Esq.

Milstein Adelman, LLP

Santa Monica, CA – (310) 396-9600 San Francisco, CA – (415) 773-2833 Scottsdale, AZ – (480) 945-1139 www.milsteinadelman.com

CAI-Greater Los Angeles Chapter

SIP SAVOR at Rosenthal

Garden of the Rosenthal-Malibu Estate Wine Tasting Room

Saturday, August 17, 2013 THANKS TO OUR SPONSORS

CORPORATE

Horizon Management Company EPICUREAN

WINE STEWARD

Nautilus General Contractors OCBS, Inc. Pacific Western Bank Steven G. Segal Insurance Agency, Inc.

Fenton Grant Mayfield Kaneda & Litt, LLP General Pavement Management, Inc. Heritage Construction Mutual of Omaha Bank/ CondoCerts

DESSERT

Fenton Grant Mayfield Kaneda & Litt, LLP

RAFFLE BASKETS AMARR Studios, Inc. The Termite Guy & IRC Services

CB Ad - 2-2013 AH.pdf 1 2/7/2013 8:29:00 AM

TOLL FREE 800•699•1644 TEL 714•842•9600 FAX 714•842•6911 EMAIL info@collinsbuilders.com WEB collinsbuilders.com

Quality Construction Since 1959 C

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CONSTRUCTION SERVICES DESIGN BUILD EXPERTS

DECK COATING & WATERPROOFING RECONSTRUCTION & RENOVATION STRUCTURAL REPAIR SOLUTIONS

REMODELING SPECIALISTS HARDI SIDING RATED

CBI – Collins Builders, Inc 18342 Gothard St. Huntington Beach, CA 92648 www.collinsbuilders.com ca license 525783

CAI-Greater Los Angeles Chapter

July/August 2013 | www.cai-glac.org

27

Strut Your Mutt CAI SUPPORTS SAN GABRIEL VALLEY HUMANE SOCIETY >>> By Lynne Collmann, CMCA, AMS Every year, CAI’s Community Outreach Committee selects worthy nonprofits that benefit from our chapter’s generosity.

Carrying on this tradition, on September 15, we will be participating in Best Friend’s national “Strut Your Mutt” fundraiser. Best Friends Animal Society is a nonprofit organization that builds no-kill programs and partnerships nationwide working toward a day when there are No More Homeless Pets®. They are located in Utah where they proudly maintain the largest no-kill sanctuary in the United States. You may be familiar with their NKLA billboards promoting their “No Kill Los Angeles” programs.

This year, “Strut Your Mutt” expands to 11 cities, including Los Angeles, hoping to raise $1.5 million for homeless pets nationwide. The participants choose the shelter or rescue of their choice to support, and our Committee has chosen to support the San Gabriel Valley Humane Society when we “strut” next month.

The San Gabriel Valley Humane Society is a small, private, nonprofit animal shelter serving the San Gabriel Valley that relies on the generosity of the public to care for its homeless

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www.cai-glac.org | July/August 2013

animals. It was founded in 1924

by Fannie Thompson Kessler after she received numerous citations from the city for the number of stray dogs and cats she took in. The original shelter was actually her home, and that building still stands today and serves as the Spay/ Neuter Clinic. In l929, Fannie’s friend and next door neighbor, Helen Lorraine, sold her parcel of land to Fannie for $10 so that Fannie could expand the Humane Society.

Located at 851 E. Grand Avenue in San Gabriel, the Society provides affordable vaccinations and spay/neuter procedures and facilitates many dog and cat adoptions. Adopters come from as far away as Washington State to find their best friend.

Thanks to the efforts of their wonderful volunteers (sound familiar??) the animals are well cared for and well socialized.

There is no expiration date on an animal, which allows the volunteers and staff to work diligently to prepare them for their forever homes. No one is more grateful than Hans, a handsome pit bull mix, who celebrated the anniversary of his second year at the shelter on June 23. “Hansday” was recognized by volunteers and staff with treats from Big Dog Bakery with cookies and cake for all! The happy ending is that

CAI-Greater Los Angeles Chapter

8/13

he found his forever home a short time later when a family saw his picture on Petfinder.com, was moved by his story and adopted him!

Today, there are 142 animals sheltered at SGVHS waiting to meet their best friend; 90 cats, 44 dogs and 8 bunnies.

Some of their pets are pictured along with this article. We encourage 5:04 PM Page 1 you to visit the shelter at www.sgvhumane.org to learn more about their work and the animals they serve.

We are pleased to “strut” in support their mission of No More Homeless Pets® and encourage you to join us or sponsor a walker. See details about signing up or sponsoring in this issue of FOCUS!!

Lynne Collmann, CMCA, AMS is a past president of this chapter and the general manager at Savoy Community Association in downtown Los Angeles. She can be reached at lcollmann@savoyhoa.com.

Join us to raise money for the San Gabriel Valley Humane Society 8:00 a.m. Registration 10:00 a.m. Strut Begins Saturday, September 15, 2013 Woodley Park 6350 Woodley Avenue Van Nuys, CA 91436 JOIN OUR DOG PACK by going to www.cai-glac.org and following the link to the Strut Your Mutt registration page.

Experience professional delinquent assessment recovery.

888-845-8808 www.witkinandneal.com CAI-Greater Los Angeles Chapter

July/August 2013 | www.cai-glac.org

29

WELCOME

NEW CAI-GLAC MEMBERS! AS OF AUGUST 5, 2013

BUSINESS PROFESSIONALS DDM Metering Systems, Inc. McGowan Program Administrators, Inc. ServiceMaster AAARestoration State Restoration, Inc. Out-Fit Fitness Equipment

RECRUITER Donna Currie, CCAM® CAI National CAI National CAI National Manny Diaz, CMCA®, AMS®

MANAGEMENT COMPANIES Cardinal Property Management, AAMC, ACMF

CAI National

COMMUNITY ASSOCIATIONS 1520 S. Beverly Glen HOA Briarwood HOA #2, Inc.

Erica Keeps Darcella Reeves

COMMUNITY MANAGERS Charles Barr Ingrid Calles Carter Dandridge Property Management Professionals, LLC Rosalba Gonzalez Pabst Kinny & Associates, Inc.

CAI National CAI National Brad Watson, CMCA®, AMS®

Mikaela Haley Property Management Professionals, LLC Larry Hart Lorianne Hill Ross Morgan & Company, Inc. Gene Jackson Erica Llanos Ross Morgan & Company, Inc. Norman Malk Andrew Vaughn Property Management Professionals, LLC Bridget Villeta Property Management Professionals, LLC COMMUNITY ASSOCIATION LEADERS Donna Coffey Bonnie Hartounian

Brad Watson, CMCA®, AMS® Kelly Richardson, Esq. Diane Hilliard, CCAM®, CMCA®, AMS®, PCAM® Kelly Richardson, Esq. Diane Hilliard, CCAM®, CMCA®, AMS®, PCAM® Andrew Marble, CMCA®, AMS® Brad Watson, CMCA®, AMS® Brad Watson, CMCA®, AMS®

CAI National Jeanne McDonald, Esq.

Derek Camber

Do You Need Reserve Budget and Disclosure Solutions?

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• Save Money with our 3-year plan • Access your Reserve Study Online • See a Video of your results • Free preparation of Disclosure Form 1365.2.5

30

www.cai-glac.org | July/August 2013

Call or go to our website for more information, samples or Free bid

800.733.1365

www.reservestudy.com

CAI-Greater Los Angeles Chapter

OUR THANKS TO RENEWING MEMBERS! AS OF AUGUST 5, 2013

BUSINESS PROFESSIONALS Accurate Termite & Pest Control Alliance Environmental Group, Inc. American Technologies, Inc. Amtech Elevator Services ASR Construction Association Lien Services Bethco Builders Bilt-Well Roofing Boyd & Associates BRS Roofing, Inc. California Sub-Meters Century Restoration CommerceWest Bank Data Systems Services David E. Lazarus, CPA Fireplace & Venting Solutions by The Chimney Sweeper Jon Wayne Construction and Consulting Kulik Gottesman & Siegel LLP Law Offices of Jeanne McDonald Mission Landscape Pacific Western Bank Palmer Resendiz & Glowa Payne Pest Management, Inc. Performance Elevator Contractors, Inc. Poindexter & Company, CPA Preferred Commercial Painting, Inc. Richardson Harman Ober PC S.B.S. Lien Services Saddleback Fence & Vinyl Products Salsbury Industries—Mailboxes.com Securitas Security Services USA, Inc. Sherwin-Williams Paint Sonnenberg & Company, CPAs Universal Protection Service COMMUNITY ASSOCIATIONS Bel-Air Chalet HOA Bel Air Crest Master HOA Carabela Community Association

Century Woods Condominium Assn., Inc. Douglas Park Townhomes HOA Fusion at South Bay Community Assn.

Harte Terrace HOA Le Parc HOA Old Orchard I HOA Palm Canyon Villas HOA Park Crest HOA Regatta Seaside HOA Santa Rosalia 71 HOA South Bay Estates HOA The Colony at Westwood Trade Winds 53433 HOA COMMUNITY MANAGEMENT COMPANIES Aberdeen Management Company, Inc., AAMC ABM Property Management, Inc. Appleby Real Estate Brokerage & Property Management Bartlein & Company, Inc. Beven and Brock Condominium Administration Co., Inc. First Service Residential Gold Coast Property Pros Horizon Management Company Premier Property Services, Inc. Professional Community Management Scott Management Company COMMUNITY MANAGERS Margaret (Peggy) Allen, CCAM®, PCAM® Professional Community Management Sarah Atha, CCAM®, CMCA® Concept Seven, LLC Leonardo Beard, AMS® 100 South Doheny Condominium Assn.

Gail Bowman, CMCA®, AMS® Westview Towers HOA

Barbara Carter, CCAM® Sierra Towers HOA Iskui Chldryan HOA Organizers, Inc. Tina Crago, CCAM® International Tower Owners Assn.

Donna Currie, CCAM® Beverly West Community Assn.

Richard Egan, CCAM®, CMCA®, AMS®, PCAM® Briarcliffe Towne Homes Association Cathy Hodek, CMCA® Del Prado HOA Nichole Hoffman, CCAM® The Churchill HOA Gregg Landis Bel Air Glen HOA Susan Larson, CCAM®, PCAM® Seabreeze Management Company Lorna Leviste, CCAM®, PCAM® Promenade West OA Scott Long MSL Services Laurie Mark, AMS® Valencia Management Group Corinne Michaud, CCAM® Scott Management Company Keila Miramontez, CMCA® Premier Property Services, Inc. Corinne Michaud, CCAM® Scott Management Company Tina Nakamura, AMS®, PCAM® Valencia Management Group Daniel Nakari, CCAM®, CMCA®, AMS®, PCAM® Century Park Place Condo Assn.

Melvin Norell, CMCA®, AMS® Hollywood Versailles HOA Vicki Olson, CMCA®, AMS® Property Management Professionals, LLC Danny Padilla Cardinal Management Group Jacob Parvino, CCAM®, CMCA® Seabreeze Management Company Victor Perez Highlands Owners Association Darcella Reeves Briarwood HOA #2, Inc. Alex Roman, AMS® Encino Village HOA Marcie Schell, CMCA®, AMS® Remington Plaza HOA Rodney Stringer Rodney C. Stringer Realty Ida Worth, CMCA®, AMS® Ross Morgan & Company, Inc. Jill Van Zeebroeck, PCAM® Paramount Management Group Lori Ziegler, CCAM®, PCAM® Century Woods Condo Assn.,Inc. Reina Zuckerman, CMCA®, AMS® Ross Morgan & Company, Inc. COMMUNITY ASSOCIATION LEADERS Virginia Kemp Albert Nichols John Nicholson Barbara Walker Janice Yates

CORRECTION: Brian Fleming was incorrectly listed as a New Manager Member at Tara Hill HOA in the May-June issue. Brian is an on-site manager at Sky Community Association, employed by Seabreeze Management Company.

CAI-Greater Los Angeles Chapter

July/August 2013 | www.cai-glac.org

31

ADVERTISERS INDEX 23 Animal & Insect Pest Management, Inc. 30 Association Reserves, Inc.

2013 UPCOMING EVENTS AUGUST 2013 16 Chapter Board of Directors Meeting – 8:30 a.m.

Chapter Office, Glendale

17 Wine Night – 5:00 p.m.

Rosenthal Wine Tasting Room Garden, Malibu

21 Luncheon Program for HOA Boards and Managers – 11:30 a.m.

Skirball Cultural Center, Los Angeles

SEPTEMBER 2013 13 Chapter Board of Directors Meeting – 8:30 a.m.

28 Berg Insurance Agency 28 Cacho Landscape Maintenance Co., Inc. 7 Centurion Group 27 Collins Builders, Inc. 9 Farmers Insurance Group – Steven G. Segal Insurance Agency, Inc. 29 Ferris Painting, Inc. 26 First Bank

26 Milstein Adelman, LLP 5 Mutual of Omaha Bank/ CondoCerts 32 Poindexter & Company, CPAs 8 Popular Association Banking 30 Preferred Commercial Painting 21 R.W. Stein Painting, Inc. 5 Reserve Studies Inc. 20 Sandra Macdonald Insurance 13 Seacoast Commerce Bank 10 Select Painting 11 SwedelsonGottlieb

32 First Bank 31 Gayle G. Gould, CPA

29 Witkin & Neal, Inc.

Chapter Office, Glendale

17 Long Beach Evening Program for HOA Boards and Managers – 6:00 p.m.

Location TBD

18 Luncheon Program for HOA Boards and Managers – 11:30 a.m.

ADVERTISING INFORMATION Dimensions & Rates:

Skirball Cultural Center, Los Angeles

21 Essentials of Community Leadership Workshop – 8:15 a.m.

Radisson Hotel, Chatsworth

OCTOBER 2013 02 San Fernando Valley HOA Marketplace – 5:30 p.m.

Warner Center Marriot, Woodland Hills

11 Chapter Board of Directors Meeting – 8:30 a.m.

Chapter Office, Glendale

Artwork must not exceed the exact dimensions of that size ad.

For more information, call the Chapter office: 818-500-8636.

Ad Size

Ad Dimensions

Members

Non-Members

⅛ page

3½" wide x 2" high (Horizontal)

$200

$400

¼ page

3½" wide x 4¾" high (Vertical)

$300

$600

½ page

7½" wide x 4¾" high (Horizontal)

$425

$850

Full Page

7½" wide x 10" high (Vertical)

$800

$1,400

18 CAI State Legal Forum – 8:00 a.m.

Irvine Marriott Hotel, Irvine

23 Luncheon Program for HOA Boards and Managers – 11:30 a.m.

Skirball Cultural Center, Los Angeles

30 Valencia Educational Breakfast for HOA Boards and Managers – 8:30 a.m.

Bridgeport HOA Clubhouse, Valencia

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www.cai-glac.org | July/August 2013

Payment: Rates are subject to change without notice. By credit card, check or cash.

Minimum three-insertion contract. Rates subject to change without notice.

Advertising Sales: Please contact the Chapter office for advertising specifications and deadline information at: 818-500-8636.

CAI-Greater Los Angeles Chapter

CAI-GLAC 14th Annual

Casino Night Dine with Marilyn Monroe, gamble with Hugh Hefner or dance with Katy Perry on this Special Night

Saturday, November 2, 2013

6

Hollywood Roosevelt Hotel

7

7000 Hollywood Blvd, Los Angeles

Red Carpet & Champagne

Dinner & Entertainment

8 11

Gaming & Dancing

$125/Person or $1,250 table of 10

Raffles & Prizes

Formal Attire and Celebrity Costumes are encouraged Dress up as you favorite Celebrity, Movie/TV Character or Recording Artist

If you enjoyed Monsters Ball Casino Night last year...or heard about the fun you missed... you’ll want to both Sponsor and Attend this year...We expect to sell out early... DON’T MISS IT!!

Current Sponsors:

Red Carpet Corporate A. Allbright Painting, Inc.

Playing Cards

Steve McQueen

Seacoast Commerce Bank

Pacific Western Bank Preferred Commercial Painting, Inc.

Humphrey Bogart Happy Hour Bar Securitas Security Services USA, Inc.

Rare Cork Wine Sponsor General Pavement Management, Inc.

Park My Car Hi-Tech Painting & Decorating, Inc.

Jack Nicholson

Centerpieces

Fenton Grant Mayfield Kaneda & Litt, LLP Mutual of Omaha Bank/CondoCerts

FRESHCO Painters, Inc.

Take Two Photo Booth Data Systems Services

CAI-GLAC

PRSRT STD U.S. POSTAGE

130 N. Brand Blvd., Ste. 305 Glendale, CA 91203

PAID

SAN BERNARDINO, CA PERMIT #1

Change Service Requested

Order Your 2013 Condominium Bluebook Today!

Price: $26.00 per copy, tax and shipping included.

Order copies online at: www.cai-glac.org.

Chapter Introduces Online Learning for Community Association Boards and Managers!

Have you just been elected to your board of directors or are contemplating running for a board seat? You can now access our Community Leadership Series online by subject.

Learn the basics that you need to govern your community association more effectively and efficiently — anywhere at your own pace and time.

From the time you register online, you will have two weeks to view the class. If you are unable to finish it in one sitting, you can log back in anytime within the two-week period through your account in the Members Only area.

Classes are available to CAI-GLAC members and non-members. $25 for chapter members • $35 for non-members

Modules Online Fiduciary Duties and Responsibilities Steven A. Roseman, Esq., Roseman & Associates, APC Rules and Regulations: Adoption & Enforcement Kelly G. Richardson, Esq., Richardson Harman Ober, PC Learn more and register now at www.cai-glac.org.