Focus L.A.’s Premier Source of Information for Community Associations Financial Crisis Recovery The Affordable Care Act— Minimizing Your Costs Know Your Procedures! SAVE THE DATE: “An NovemberCasinowithEveningtheStars”Night2 The Economy is Back! July/August 2013
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 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 – HOA BOARD MEMBERS & MANAGERS: COMPLIMENTARY* *HOA Member Spouses/Guests will pay a discounted price of $30 pp for dinner Please RSVP before September 25 – Dinner Capacity Limited Phone: 818.500.8636 • Online: www.cai-glac.org • E-mail: joan@cai-glac.org • Fax: 818.500.8638 Association/ManagementName: Company: Phone:Address: E-mail: Are you planning to attend the Dinner and Educational Presentation? yes no 4 RESERVATIONS – HOA BOARD MEMBERS & MANAGERS: COMPLIMENTARY* *HOA Member Spouses/Guests will pay a discounted price of $30 pp for dinner Please RSVP before September 25 – Dinner Capacity Limited Phone: 818.500.8636 • Online: www.cai-glac.org • E-mail: joan@cai-glac.org • Fax: 818.500.8638
http://www.caionline.org 130 N. Brand Blvd., Ste. 305 Glendale, CA 91203 Office: 818-500-8636 Fax: 818-500-8638 STAY CONNECTED: SAVE THE DATE: “An Evening with the Stars” Casino Night November 2 On the Cover Savor Community Association Downtown Los Angeles 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 CAI-GLAC Membership News 32 2013 Upcoming Events 32 Advertisers Index 32 Advertising Information
Alan Denison, Stay Green Inc.
MEDIATION SERVICES Matthew Grode, Esq., Gibbs, Giden, Locher, Turner & Senet, LLP PROGRAMS/LUNCHEONS Linda Healey, PCAM®, The Californian on Willshire 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®,
CHAPTER
MEMBERSHIP
Larry Hooper, Popular Association Banking AMS®, PCAM®, Valencia Management Group Craig Phillips, CCAM®, CMCA®, AMS®, PCAM®, International Tower Owners Assn.
Pamella De Armas SAX Insurance Agency, 310-740-4274 Michael Lewis, CCAM®, CMCA®, AMS®, PCAM® Concept Seven, LLC, 310-622-7012
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
Joanne Peña, CMCA®, AMS®, PCAM®, Horizon Management Company Jolen Zeroski, CMCA®, Union Bank Homeowners Association Services
EDUCATION
Carol Brockhouse, AMS® Tokyo Villa HOA Tina Chu, Esq. Adams Kessler, PLC, 310-945-0280
MARKETPLACE
SOCIAL Donald Campbell, CCAM®, CMCA®, AMS®, Torrance-Windemere HOA Angel Fuerte, FRESHCO Painters
COMMUNITY
Management FINANCE
Robert Ridley, Esq. Castlegate HOA, 213-626-0291 Lynn WarnerRugerClub Villas HOA, 818-703-7090 David C. Swedelson, Esq. Swedelson & Gottlieb, 310-207-2207 EXECUTIVE DIRECTOR Joan Urbaniak, MBA, CMCA® 2013 COMMITTEE CHAIRS
LEGISLATIVE ACTION
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 1 2013 BOARD OF DIRECTORS
Teresa Agnew, Roseman & Associates, APC Daisy Vasquez, Securitas Security Services USA, Inc.
WINE NIGHT
Lisa Tashjian, Esq., Beaumont Gitlin Tashjian
Jolen Zeroski, CMCA®, Union Bank
OUTREACH
GOLF TOURNAMENT
DIRECTORS Jeffrey A. Beaumont, Esq. Beaumont Gitlin Tashjian, 818-884-9998
National Office Address: 6402 Arlington Blvd. #500, Falls Church, VA 22042 Tel: 888/224-4321 Site:
• Web
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. 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.
Meigan Everett, CMCA®, Gold Coast Property Pros Gerry Suenram, CCAM®, PCAM®, Action Property
General
Popular Banking USA, Painting Bank Adco Roofing, Inc. Reserves, Inc. Berg Agency, Inc. Bank Milstein Adelman, LLP
Rifkin,
The Best Friends Animal Society is a non-profit organization that builds no-kill programs and partnerships nationwide, working towards a day where there are No More Homeless Pets®. CAI has chosen the San Gabriel Valley Humane Society as the recipient of its fundraising efforts this year. Enjoy all of the interesting articles and have a great rest of the—summer!Sherry
DEPOT USA Best Alliance Foreclosure and Lien Services Fenceworks, Inc. Fenton,
Mayfield, Kaneda
Insurance
SUMMER 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. We start out the issue with an article on the financial crisis recovery from Les Weinberg and Scott Clements. They write about the positive impact the crisis has had on common interest development reserve fund planning and spending. Associations seem to be recognizing the importance of funding plans and taking more time to analyze details in a proposal—resulting in smarter spending.
Seacoast
Pest Management Preferred Commercial Painting, Inc. R.W. Stein
Union
Securitas Security Services
Horizon Management Company
BransonEditor
CommerceWest
Tashjian Behr Paint
Bethco Builders Boyd & Associates
DM Construction Services Dunn-Edwards Paints
Mission Landscape Services
2013 SuperCAI-GLACSponsors PLATINUM Animal & Insect Pest Management, Inc. Farmers Insurance
Mutual of Omaha Bank/CondoCerts
SILVER
Association
Litt,
Hi Tech Painting & Decorating, Inc. Nautilus General Contractors, Inc.
Ferris Painting, Inc.
Reserve Studies Incorporated S.B.S. Lien Services SAX Insurance Agency
FROM THE EDITOR’S DESK
Insurance
NOTE
2 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter
ServiceMaster by Eddie South Shore Building Services, Inc.
Homeless animals are benefitting from the CAI Community Outreach Committee’s efforts in September when the Committee participates in the Best Friends Animal Society’s national “Strut Your Mutt” fundraiser on September 15.
BRONZE Accurate Termite & Pest Control
Association
QwikResponse Restoration & Construction Reconstruction Experts, Inc.
The issue of private roads controlled by common interest developments is covered in an article by David Rosenberg. How does an association enforce speeding and overall safety on their private roads, since local law enforcement has no jurisdiction? David talks about a new tool being used against traffic violators. Community associations have choices regarding how to pay for major repairs or improvements. David Shahrabani Group—Steven G. Segal Agency, Inc. Pavement Management, Inc. Bank Payne Painting, Inc. Commerce Bank Wolf, Shapiro, Schulman & Rabkin, LLP
Richardson Harman Ober PC Silldorf & Levine, LLP Stonemark Construction Management The Termite Guy Three Phase Electric U.S. ValleyCrestBank 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-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. discusses the factors involved in a lending institution’s decision to qualify an association for a loan. 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. Richard sees many signs that things are improving, and he is hearing from customers that the real estate market has come back as well.
TimothySwedelsonGottliebInc.ClineInsurance Agency, Inc.
Pacific Premier Bank PCW Contracting Services, Inc. Poindexter and Company, CPAs Professional Services Construction, Inc.
GOLD Beaumont Gitlin Corp/THE HOME Grant, & LLP
Pacific Western
Stay Green
Orange Coast Building Services, Inc.
First Bank
Inc. Select
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 3
$80/Member;Cost: $100/Non-member Next Class: April 14, 2012
GoTBDLocation:towww.cai-glac.org for more details and registration. RadissonLocation:Hotel, Chatsworth Go to www.cai-glac.org for more details and registration.
$80/Member;Cost: $100/Non-member Next Saturday,Class:September 21, 2013 Approved Department Real as a proper use of association funds. Course fee includes course materials, continental breakfast and lunch. Workshops are held on Saturdays. Call the Chapter Office at 818.500.8636 for a Workshop schedule. The location varies — if you can guarantee 10 attendees, we’ll come to your association! To learn more about CAl’s newest service and how mediation can benefit you, call the Chapter Office at 818-500-8636.
AS 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 FROM THE PRESIDENT MESSAGE 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
Approved by the Department of Real Estate as a proper use of association funds. Course fee includes course materials, continental breakfast and lunch. Workshops are held on Saturdays. Call the Chapter Office at 323.254.9526 for a Workshop schedule. The location varies - if you can guarantee 10 attendees, we’ll come to your association! Have You Just Been Elected to Your Board... Or Are Contemplating Running for a Board Seat? 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.
4 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter
>>> By Les Weinberg, RS, MBA & Scott Clements, CPI
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
Financial Crisis RecoveryUpdate: Spending Smarter, Saving For a Rainy Day
As 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 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
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.
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!
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 5
National Corporate Member of Community Associations Institute CACM Affiliate Member How will you fund your next community project? Get the job done right with the Community Association Loan toolkit. You’ll get custom financing that’s perfect for your budget and your community. Your Community Association Loan toolkit includes: • Competitive interest rates • Flexible payment plans • Innovative loan structures • Fixed rate loans • Non-revolving lines of credit Get the cash you need today. Lisa Ann Rea VP/Regional Account Executive 805.907.8452 Toll Free 866.800.4656, ext. 7500 lisa.rea@mutualofomahabank.com AFN45330 Member FDIC • Equal Housing Lender Equal Housing Lender Community Association Loans All the right tools for your next project. 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
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.
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 respectively.scott@reservestudiesinc.com,
>>>
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 anenforcementtrafficanyknowLetrealisticreasonabletolegalandmanagement,yourhomeowners,workbebehaviorofenforcementthecommittedfromthecourse,Thehomeowner.theinitiatedactionadministrativecanbeagainstviolatinggoal,ofistodeterviolationsbeinginfirstplace;theillegalshouldalastresort.Sowithyouryourcounseldevelopandpolicies.themembersaboutchangesinrulesor
6 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter A
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. By David Rosenberg
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.
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 unincorporatedlocatedCommunitiesroadways.rulesenforcebecomesTheofrulespassuponrestrictassociationwhichroadwaysmaintainedownedhavecommunitiesnotenter.whodeniedcannotroad,isentity,governmentthenitnotaprivateandaccessbetoanyonewishestoMost,ifall,gatedprivately-andallowthetoaccessentry,andreasonableontheusethoseroads.problemthenhowtothetrafficuponthoseinanpart 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 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?
S
MAKING STREETSCOMMUNITIES’YOURSAFE
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 7 In the face of security company acquisitions, we are still a boutique security company LARGE enough to handle any account yet SMALL enough to o er outstanding customer service.
8 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter
I. INTRODUCTION
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:
Approaching a bank can either be through a board member or, in most cases, the management company or the on-site manager.
©2010 A Division of Banco Popular North America. Member FDIC. associationbankers.com We offer state-of-the-art Lock Box services as well as a full array of other depository services. IN A TOUGH ENVIRONMENTECONOMIC ■ ■ ■ By
FINANCING A
■ 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;
■ The financial impact on unit owners can be reduced, as unit owners can pay their share of the loan over time.
■ The loan structure being sought, such as a Line of Credit, a Term Loan or a combination of both.
a detailed
■ The scope of the project;
II. FACTORS INVOLVED IN THE BANKS DECISION
There are many factors involved, and they differ depending what financial institution is approached. I will list them in order of importance, with look on what is needed to decision. 714-864-5171Hooper that enhances association. David Shahrabani
■ The professionals that have been consulted such as engineers, contractors, attorneys or CPA’s; and
Our dedicated experts understand the needs of associations. We can Finance your essential projects, including: • Building Repairs • Improvement Projects Contact Larry
lhooper@bpop.com Imagine a bank
■ Needed repairs or improvements can be completed quicker, as total funds become available faster; and
and protects the financial health of your community
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.
CREDIT
Initially the bank will ask for:
on
make this credit
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 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.
DELINQUENCIES
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 9
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.
RENTAL RATIO
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.
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.
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
IMPACT OF DEBT SERVICE TO MONTHLY MAINTENANCE
LOAN TO VALUE
10 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter SIZE OF THE ASSOCIATION
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.
DEVELOPER-CONTROLLED ASSOCIATIONS
IV. SUMMARY
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 to determine if the lending institution wants to extend a commitment to the association requesting to borrow funds. 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.
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.
CONTINUED FROM PAGE 9 FINANCING A PROJECT IN A TOUGH ECONOMIC ENVIRONMENT
Specializing in: Exterior Painting & Waterproofing of Condominium Complexes, Apartment Buildings, Office Buildings & Large Commercial Buildings Fax: 661-268-0900
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.
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 11 PCAM® Pride
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® 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).
MEIGAN EVERETT, CMCA®, 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.
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.
✪ Government subsidies go to qualifying small businesses purchasing group health insurance.
✪ 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.
✪ 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.
✪ 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.
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.
YourMinimizingCareAffordableTheAct—Costs
✪ 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.
✪ MediCal is greatly expanded, possibly assisting even those earning up to $11 or $12 per hour.
ON JANUARY 1, 2014: ✪ A new premium tax will be imposed on all existing and newly-sold health plans, no exceptions.
✪ 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.
By Anthony Elliot
✪ 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.
12 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 13 allison disarro Vice President HOA Banking Division 619-988-6708 Mobile 858-312-7030 adisarro@sccombank.comFax PROPERTY MANAGEMENT & HOA BANKING 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. ManageMentProPerty & Hoa Banking solutions • Depository Services • Cash Management • Remote Deposit Capture • Lockbox Services • ACH Origination • HOA Financing • Online Dues Program 11939 Rancho Bernardo Rd, Suite 200 San Diego CA www.sccombank.com92127 Seacoast Commerce Bank offers a full range of comprehensive banking and financial services for Homeowner Associations and property management companies. If you now have Small Group health insurance, when your 12-month policy-term expires, higher-priced ACA-compliant plans will replace those that are non-grandfathered. But be aware that carriers have announced a special, early openenrollment option for December, 2013. If your next open enrollment would ordinarily be February of 2014, taking it 2 months early—Dec 2013—means locking in pre-Obamacare prices until December 2014. This would be beneficial for many, but not all, small groups. Examine this option now because there are deadlines approaching for your decision. Kaiser’s is August 30th; others come soon after. Announcements arrive daily from the carriers. In the individual market, Anthem will be terminating its nongrandfathered plans on January 1; subscribers will be “mapped” into the new ACA-compliant plan that most closely matches what they had; Anthem has no grandfathered Small Group plans. Blue Shield has not yet announced what will happen to their non-grandfathered individual plans; none of their small group plans are grandfathered. Aetna and United Health are leaving the individual market in California. A controversial provision of the Affordable Care Act, the Employer Mandate, has been delayed until 2015. This would have required employers with 50 or more full-time workers to pay a stiff penalty in 2014 if they did not provide health coverage. (There is no mandate for businesses smaller than 50 employees.) But although Obamacare is still evolving, it will soon be here. If you’re confused or distressed by the coming changes, I recommend some “retail therapy”. Do some comparisonshopping with an expert health insurance broker to see what’s available for you or your business. For those of us who don’t have grandfathered plans, it may be best to make a purchase, or a plan change, before the price increases of January 1st. Bear in mind that a health insurance broker’s services cost you nothing as brokers are compensated by the insurance carriers, who charge the same for their health plans whether you go through a broker or buy direct.
“ 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. ”
Anthony Elliot is president of The Anthony Elliot Insurance Agency, Inc. and the former Legislative Chairperson of the Los Angeles Association of Health Underwriters. He can be reached at aelliot@elliotinsurance.com.
“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.
Skip Daum is our veteran Legislative Advocate for CAI's California Legistlative Committee and may be reached at caiclac@aol.com.
NEWS
News from Skip Daum, CAI Legislative Advocate
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. CLAC will remain vigilant and lobby any bill that significantly affects your community associations and will provide a midsession report for you in September. 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.”
“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.”
FROM SACRAMENTO
CLAC has taken an OPPOSE position on Senate Bill 391 authored by Senator Mark DeSaulnier, the Chairman of the Senate Housing Committee. 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. 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. 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 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.
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).
14 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter
“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.
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.”
“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.
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 15 101 Ocean Condominium HOA 1144 Seventeenth Street HOA 826 2nd Street HOA 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. Cardiff Court O.A. Inc. Casa de Oro Condo HOA Casa De Valley View OA, Inc. Centinela Townhomes II HOA Chalmers/Wooster Plaza HOA Chateau Goshen HOA Culver Centrale HOA Del Mar Terrace HOA Galaxy HOA 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 SeascapeRoxburyRancho-GlenOAHOAParkCOA–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, Stratford-ComptonPCAM 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, LLPTOTAL:CONTRIBUTIONCURRENT$11,296 GOAL: $23,081 of49%goal as of 7/31/13 OUR THANKS TO 2013 CLAC CONTRIBUTORS JANUARY 1 – APRIL 30, 2013
16 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter 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. CAI TournamentGolf There’s Nothin’ Better VISTA PAINT CORPORATION Longest Drive Winner (Men’s) Alex Macaluso with Teresa Agnew Longest Drive Winner (Women’s) Bonnie Stoeppelman Low Net Foursome Russell Hoffman Mark Reider Steve Robinson Paul Zerella (not pictured) UNION BANK Reverse Raffle Winner Meigan Everett with Gary Lieberman Putting Contest Winner Stan Taff CONTEST SPONSORED BY TAYLOR ROOFING & PAINTINGHonesty Award (Highest Score) Krista Lesa Leslie Atha Brad Bishoff Doug Hansford VALLEYCREST LANDSCAPE MAINTENANCE Low Gross Foursome Alex Macaluso Jay Montalvo AlexStanMontalvoTaff FPK SECURITY, INC.
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 17 Closest to the Pin #2 Wade Nicols (Hole in One) SPONSORED BY ALLIANCE ENVIRONMENTAL GROUP, INC. WINNERS NOT PICTURED Closest to the Pin #7 (Men’s) Derek Fainstein SPONSORED BY DEVELOPMENT,LANDSCAPEINC. Closest to the Pin #15 (Men’s) Rob Perkins SPONSORED BY VALLEYCREST LANDSCAPE MAINTENANCE JuneMonday,10,2013 Woodland Hills Country Club SPONSORS TITLE Securitas Security Services USA, Inc. Wolf, Rifkin, Shapiro, Schulman & Rabkin, LLP LUNCH Beaumont Gitlin Tashjian SOUVENIR PHOTOS Accurate Termite & Pest Control CHAMPIONSHIP Pacific Western Bank Preferred Commercial Painting PUTTING CONTEST Taylor Roofing & Painting 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 Better Than Golfing! 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.). Thank you foryour support! Closest to the Pin #8 (Women’s) Jolen Zeroski with Kris Jones and Tiffany Christian SPONSORED BY NAUTILUS GENERAL CONTRACTORS Closest to the Pin #8 (Men’s) Guillermo Amador with Kris Jones and Tiffany Christian SPONSORED BY NAUTILUS GENERAL CONTRACTORS Closest to the Pin #15 (Women’s) Alba Monroy with Ashley Garrison SPONSORED BY VALLEYCREST LANDSCAPE MAINTENANCE
18 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter Friends!OutHanging&With
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 19
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.
20 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter
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 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.
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.
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 21
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 dis putes, claims, and more lawsuits like these two.
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.
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.
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 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.
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.
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! “
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!
■ ■
■ By Richard Stewart
22 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter
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.
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.
BOOMTOWN!
But I found out a few days ago just how hot the market really is.
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.
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.”
Of course this is aggressive selling, but WOW! You would have never heard a conversation like that a year ago.
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.
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 23
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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. Of course there will be naysayers regarding any good news on any subject. Bees, 888 344 6567 www.animalinsectpm.com
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 are not even using the “Gump Factor” in their market
Wasps, Ants, Spiders Rodents Gophers, Mice, Rats, Ground Squirrels Trapping Raccoons, Coyotes, Skunks, Opossums Specialty Birds,Rabbits,Bats Call Today For a FREE Consultation
Questions? info@animalinsectpm.com
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.
analysts
calculations.
Insects
Port-a-Potties don’t lie.
Stars were Born
The CenterPointe Club Playa Vista at Game Night!!
SPEED NETWORKING SPONSOR Anderson Group International TACO BAR SPONSOR Hi Tech Painting & Decorating, Inc. OCBS, Inc.
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.
Thanks to Our Sponsors
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).
NAPKIN SPONSOR South Shore Building Services, Inc.
StarGameSearchNight!! 24 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter July 12, 2013
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 25
HERE ARE SOME INTERESTING FACTS ABOUT OUR BUSINESS PARTNERS THAT THEY PROVIDED FOR THE SCAVENGER HUNT AT GAME NIGHT... DEFINITE CONVERSATION PIECES. 26 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter DID YOU KNOW??
www.FirstBankHOA.comJudy.Remley@fbol.com Specialized banking for community associations & management professionals • Operating and Reserve Checking • Association Loans • CD Placement Services • Business Online Banking • Remote Deposit • Automated Lockbox Services • Automatic Assessment Payments • Simplified Association Signature Cards AssociAtion BAnk seRVices 2011HOAad-35x475.indd 1 12/22/11 7:26 AM StarGameSearchNight
Ricky Pokorny (ServiceMaster by Eddie) has a daughter named CJ. Regina Reynante (W.C. Service Company) is on the committee for Comic-Con.
Steve Roseman (Roseman & Associates, APC) is originally from South Africa. Ishmael Sandoval (The Termite Guy) is a Fire Academy graduate.
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.
Sophia Hackler (Anderson Group International) was a People-to-People ambassador in Australia. Kelly Harris (Minuteman Parking) lived in France for a year.
Gina Roldan (Vista Paint Corporation) has three children over the age of 21.
Miranda Legaspi (Platinum Security) runs halfmarathons.
Tony Sayegh (Gothic Grounds Management, Inc.) was a top-ranked discus thrower in high school track and field. Geoff Storey (Alliance Environmental Group) used to live in Alaska. Annissa Young (S.B.S. Lien Services) has traveled to Rome. Les Weinberg (Reserve Studies Inc.) spent a month in Southeast Asia doing research for his master’s thesis.
Judy Remley, Vice President 2797 Agoura Rd., Westlake Village, CA 91361 (888) 539-9616 !!
Jim Griffin (Nautilus General Contractors, Inc.) was born on February 29 (leap year).
Kelley Lewis (South Shore Building Services, Inc.) is a college marketing professor.
Cyndi Koester (CommerceWest Bank) had a career as a police officer. Aaron Laredo (iNX Building Maintenance) is writing a book on how to be a single father raising two kids.
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!).
Lorie Mottes (Colarossi Painting, Inc.) just won third place in a CAI billiards tournament. Audrey Neal (Witkin & Neal, Inc.) is on an album that has just been re-released.
Stephen Winterrowd (CertaPro Painters Ltd.) was in an episode of All My Children.
Nishan Joshi (West One | Janitorial Services) went on a two-week surfing trip to Costa Rica. Asi Kaufman (Mulholland Security Centers) watched and tracked chimpanzees in Africa.
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 27 CBI – Collins Builders, Inc 18342 Gothard St. Huntington Beach, CA 92648 www.collinsbuilders.com ca license 525783 TOLL FREE 800•699•1644 TEL 714•842•9600 FAX 714•842•6911 EMAIL info@collinsbuilders.comWEBcollinsbuilders.com CONSTRUCTION SERVICES DESIGN BUILD EXPERTS DECK COATING & RECONSTRUCTIONWATERPROOFING&RENOVATIONSTRUCTURALREPAIRSOLUTIONS REMODELING SPECIALISTS HARDI SIDING RATED Quality Construction Since 1959 CMYCYMYCMYMCK CB Ad - 2-2013 AH.pdf 1 2/7/2013 8:29:00 AM Garden of the Rosenthal-Malibu Estate Wine Tasting Room Saturday, August 17, 2013 THANKS TO OUR SPONSORS CORPORATE Horizon Management Company SIP SAVOR at Rosenthal EPICUREAN Nautilus StevenPacificOCBS,ContractorsGeneralInc.WesternBankG.SegalInsuranceAgency,Inc. DESSERT Fenton Grant Mayfield Kaneda & Litt, LLP WINE STEWARD Fenton Grant Mayfield Kaneda & Litt, LLP General MutualHeritageManagement,PavementInc.ConstructionofOmahaBank/CondoCerts RAFFLE BASKETS AMARR Studios, Inc. The Termite Guy & IRC Services
>>> By Lynne Collmann, CMCA, AMS
Strut Your Mutt CAI SUPPORTS SAN GABRIEL VALLEY HUMANE SOCIETY
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 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
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.
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.
28 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter
CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 29 Experience professional delinquentrecovery.assessment 888-845-8808 www.witkinandneal.com 1/28/13 5:04 PM Page 1 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 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.
30 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter NEW CAI-GLAC MEMBERS! WELCOME AS OF AUGUST 5, 2013 BUSINESS PROFESSIONALS RE CRUITER DDM Metering Systems, Inc. Donna Currie, CCAM® McGowan Program Administrators, Inc. CA I National ServiceMaster AAARestoration CA I National State Restoration, Inc. CA I National Out-Fit Fitness Equipment Manny Diaz, CMCA®, AMS® MANAGEMENT COMPANIES Cardinal Property Management, AAMC, ACMF CA I National COMMUNITY ASSOCIATIONS 1520 S. Beverly Glen HOA Er ica Keeps Briarwood HOA #2, Inc. Darcella Reeves COMMUNITY MANAGERS Charles Barr CA I National Ingrid Calles CA I National Carter Dandridge Br ad Watson, CMCA®, AMS® Property Management Professionals, LLC Rosalba Gonzalez Der ek Camber Pabst Kinny & Associates, Inc. Mikaela Haley Br ad Watson, CMCA®, AMS® Property Management Professionals, LLC Larry Hart Kelly Richardson, Esq. Lorianne Hill Diane Hilliard, CCAM®, Ross Morgan & Company, Inc. CMCA®, AMS®, PCAM® Gene Jackson Kelly Richardson, Esq. Erica Llanos Diane Hilliard, CCAM®, Ross Morgan & Company, Inc. CMCA®, AMS®, PCAM® Norman Malk Andrew Marble, CMCA®, AMS® Andrew Vaughn Br ad Watson, CMCA®, AMS® Property Management Professionals, LLC Bridget Villeta Br ad Watson, CMCA®, AMS® Property Management Professionals, LLC COMMUNITY ASSOCIATION LEADERS Donna Coffey CA I National Bonnie Hartounian Jeanne McDonald, Esq.
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Danny Padilla Cardinal Management
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Rodney C. Stringer Realty Ida Worth, CMCA®, AMS® Ross Morgan & Company, Inc.
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CAI-Greater Los Angeles Chapter July/August 2013 | www.cai-glac.org 31 TO RENEWING MEMBERS! OUR THANKS AS OF AUGUST 5, 2013 BUSINESS PROFESSIONALS Accurate Termite & Pest Control Alliance Environmental Group, Inc. American Technologies, Inc. Amtech Elevator Services ASR FireplaceDavidDataCommerceWestCenturyCaliforniaBRSBoydBilt-WellBethcoAssociationConstructionLienServicesBuildersRoofing&AssociatesRoofing,Inc.Sub-MetersRestorationBankSystemsServicesE.Lazarus,CPA&VentingSolutions by The Chimney Sweeper Jon Wayne Construction and KulikConsultingGottesman & 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 SaddlebackServicesFence& Vinyl Products Salsbury UniversalSonnenbergSherwin-WilliamsSecuritasIndustries—Mailboxes.comSecurityServicesUSA,Inc.Paint&Company,CPAsProtectionService 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 CondominiumBrockAdministration 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 ManagementCommunity 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
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Daniel Nakari, CCAM®, CMCA®, AMS®, PCAM® Century Park Place Condo Assn.
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32 www.cai-glac.org | July/August 2013 CA I-Greater Los Angeles Chapter ADVERTISING INFORMATION Dimensions & Rates: 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" (Horizontal)high $200 $400 ¼ page 3½" wide x 4¾" high (Vertical) $300 $600 ½ page 7½" wide x 4¾" (Horizontal)high $425 $850 Full Page 7½" wide x 10" high (Vertical) $800 $1,400 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. ADVERTISERS INDEX 23 Animal & Insect Pest Management, Inc. 30 Association Reserves, Inc. 28 Berg Insurance Agency 28 Cacho MaintenanceLandscapeCo.,Inc. 7 Centurion Group 27 Collins Builders, Inc. 9 Farmers Insurance Group –Steven G. InsuranceSegalAgency, Inc. 29 Ferris Painting, Inc. 26 First Bank 32 First Bank 31 Gayle G. Gould, CPA 26 Milstein Adelman, LLP 5 Mutual of Omaha Bank/ CondoCerts 32 Poindexter & Company, CPAs 8 Popular Association Banking 30 P referred 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 29 Witkin & Neal, 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
13 Chapter Board of Directors Meeting – 8:30 a.m. 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. Skirball Cultural Center, Los Angeles 21 Essentials of Community Leadership Workshop – 8:15 a.m. Radisson Hotel, Chatsworth
11 Chapter Board of Directors Meeting – 8:30 a.m. Chapter Office, Glendale 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
OCTOBER 2013 02 San Fernando Valley HOA Marketplace – 5:30 p.m. Warner Center Marriot, Woodland Hills
SEPTEMBER 2013
CAI-GLAC 14th Annual Casino Night Dine with Marilyn Monroe, gamble with Hugh Hefner or dance with Katy Perry on this Special Night 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!! Hollywood Roosevelt Hotel 7000 Hollywood Blvd, Los Angeles Saturday, November 2, 2013 $125/Person or $1,250 table of 10 Formal Attire and Celebrity Costumes are encouraged Dress up as you favorite Celebrity, Movie/TV Character or Recording Artist Red Carpet & Champagne Dinner & Entertainment Gaming & Dancing Raffles & Prizes6 7 8 11 Playing Cards Seacoast Commerce Bank Humphrey Bogart Happy Hour Bar Securitas Security Services USA, Inc. Rare Cork Wine Sponsor General Pavement Management, Inc. Centerpieces FRESHCO Painters, Inc. Red Carpet Corporate A. Allbright Painting, Inc. Steve McQueen Pacific Western Bank Preferred Commercial Painting, Inc. Park My Car Hi-Tech Painting & Decorating, Inc. Jack Nicholson Fenton Grant Mayfield Kaneda & Litt, LLP Mutual of Omaha Bank/CondoCerts Take Two Photo Booth Data Systems Services Current Sponsors:
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. Chapter Introduces Online Learning for Community Association Boards and Managers! 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 CAI-GLAC 130 N. Brand Blvd., Ste. 305 Glendale, CA 91203 Change Service Requested PRSRT STD U.S. POSTAGE PAID SAN BERNARDINO, CA PERMIT #1 Order Your 2013 Condominium Bluebook Today! Price: $26.00 per copy, tax and shipping included. Order copies online at: www.cai-glac.org.
