Common Assessment Magazine April May June 2011

C O M M O N A S S E S S M E N T M A G A Z I N E • S U M M E R 2 0 1 1 1

Common

From the Stone Age tothe technologicAl revolution

SUMMER 2011

Technology trends in SECURITY & ENTRY SYSTEMS page 11

CYBER savvy page 14

First annual BOWLING TOURNAMENT page 21

The professional provider of education, advocacy and resources for Community Associations

S U M M E R 2 0 1 1 • C O M M O N A S S E S S M E N T M A G A Z I N E2

2 0 1 1 E V E N T C A L E N D A R All dates, times and locations subject to change. Please visit our website, www.cai-sd.org, for an updated calendar.

JANUARY

13-15 Community Association Law Seminar

Las Vegas, NV

20-22 PMDP M-100 Course The Essentials

of Community Association Management

February 4 Trade Show Legal Update 2011 DoubleTree Hotel,

Mission Valley

26 Essentials of Community Association Volunteer Leadership – Courtyard by Marriott

MARCH 2 Morning Educational

Program: Earthquake Preparedness

Courtyard by Marriott

2 Afternoon

Educational Program: Earthquake Preparedness Sheraton, Carlsbad

11 Bowling Tournament

Mira Mesa Bowl

25 CID Law Course Courtyard by Marriott

31-April 1 PMDP M-206 Course – Financial Management

APRIL

10-11 Legislative Day at the Capitol

Sacramento, CA

6 Annual Educational Conference

DoubleTree Hotel Mission Valley TopicsTBA

MAY 4-7 CAI National

Conference Boca Raton, FL

11 Morning Educational Program:

ADR/IDR Courtyard by

Marriott

20 Monte Carlo Night Sea World JUNE 10 Trade Show Going Green in

HOAs DoubleTree Hotel

Mission Valley

18 Board Fundamentals

Courtyard By Marriott San Diego

Spectrum Center 23-25 CEO-MC Retreat Salt Lake City, UT

25 Night at The Padres Game

Petco Park

JULY

16 Board Fundamentals Melrose Event Center Vista AUGUST 17 Day at the Races Del

Mar Race Track

26 Trade Show Cybercrime and

Embezzlement

SEPTEMBER 6 CID Law Course Courtyard by Marriott

16 CAI San Diego Golf Classic Coronado Municipal

Golf Course

14-18 Large Scale Managers Workshop

Seattle, WA

23 Morning Educational Program

Employment Law This course is part of a

series of programs for experienced managers and management company CEOs


28 Morning Educational Program

Hilton Garden Inn Carlsbad

OCTOBER 7 Trade Show New Technology:

There’s an App for That!

DoubleTree Hotel, Mission Valley

15 Essentials of

Community Association Volunteer Leadership


21 California Legal Forum

Queen Mary Long Beach

NOVEMBER 4 Morning Educational

Program: Almost Free Legal Advice


TBA Morning Educational Program: Almost Free Legal Advice

North County location TBA

DECEMBER

1-2 PMDP Course: M-201 Facilities Management

9 Holiday Award Banquet Luncheon & Trade Show

DoubleTree Hotel Mission Valley


Features 6 Technological Advances in the Legal World:

Instant Access to Delinquent Assessment Status BY JAMES R. MCCORMICK, ESQ.

8 From the Stone Age to the Technological Revolution BY NEAL CHAZEN

11 Technology Trends in Security and Entry Systems BY MICHAEL D. CHISM

14 Cybersavvy BY BRIAN A. KALMENSON, CCAM

19 The Speed of Technology BY SABINE LIEDEL

22 Is Your HOA a Water Hog? BY SAM CADWALLADER

Departments 2 ChapterEventCalendar

4 President’sMessage BY CYNDI KOESTER, PCAM

13 PlatinumMarketingPlanMemberFocus:EpstenGrinnell&Howell,APC

24 Newsstand26 RenewingMembers27 Homeowners'Corner:WhoOwnsMy

Mortgage?{Revisited} BY SAMDOLNICK

28 NewMembers35 CLACDonationsHonorRoll37 AroundSanDiego38 ServiceDirectoryBackCover 2011MarketingPlanMembers

ChapterNews

21 March11BowlingTournament36 What’scomingupinCAISanDiego36 ThankyouFebruary4TradeShowExhibitors37 ThankyouMarchEducationalProgramSponsors30 2011BoardofDirectors

4 S U M M E R 2 0 1 1 • C O M M O N A S S E S S M E N T M A G A Z I N E

EXECUTIVE COMMITTEECYNDIKOESTER,PCAM...................................... PRESIDENT Mutual of Omaha Bank

LOUISESTETTLER.....................................PRESIDENTELECT Epsten Grinnell & Howell, APC

RICKSALPIETRA,ESQ..................................VICEPRESIDENT Law Offices of Richard Salpietra

TINAROZYCKI,CMCA........................................ TREASURER Curtis Management

MARIEDONOVAN............................................... SECRETARY Homeowner

CHRISHODGE,PCAM........................................ EX-OFFICIO Elite Community Management

DIRECTORS

KERRY BEATTY, PCAM .....................Packard Management Group

JIM FRAKER, PCAM .........Professional Community Management

ELIZABETH FRENCH, ESQ. . ............Green, Bryant & French, LLP

ELAINE GOWER ........................................................... Homeowner

BECKY GROENEWOLD, PCAM..................................................PCM

CO-LEE GREV, PCAM ........... Pacific Rim Property Management

JASON PAYNE ....................................Payne Pest Management

SHANNON SMITH .....................................Reconstruction Experts

KARINA TATUM .........................SD Preferred Property Managers

CHAPTER EXECUTIVE DIRECTORBARBARA OZENBAUGH, CMP

619-299-1376

MANAGING EDITOR ANDNEW & RENEWING ADVERTISING SALES

BARBARA OZENBAUGH, CMP619-299-1376, [email protected]

DESIGN & PRODUCTIONKRISTINE GAITAN

REY ADVERTISING & DESIGN / THE CREATIVE DEPT.760-746-8700

MAGAZINE EDITORIAL COMMITTEELAURIE POOLE, ESQ. (CHAIR) ............ Peters & Freedman, LLPLAURI CROCE, ESQ. ........................... Anderson & Kriger, APCSAM DOLNICK .........................................................HomeownerANY FERRELL ....................................................... N.N. JaeschkeLESLEY FINCH ...........................................Lindsay ManagementJEFF FRENCH, ESQ. ..................... Green, Bryant & French, LLPBRIAN KALMENSON, CCAM ...Michael Abdou Insurance AgencyJODI KONORTI, ESQ. ............... Epsten, Grinnell & Howell, APCCYNDI KOESTER, PCAM .... Mutual of Omaha Bank/CondoCertsJENNIFER LANDON .......................... Allure Total ManagementKIMBERLY LILLEY, CIRMS .......................Berg Insurance AgencyTINA ROZYCKI ............................................ Curtis ManagementJEAN-MARIE SALVIA.................................... Walters ManagementLOUISE STETTLER ........................ Epsten Grinnell & Howell, APC

All articles and paid advertising represent the opinions of authors and advertisers and not necessarily the opinion of either Common Assessment Magazine or the Community Associations Institute – San Diego Chapter. Information contained within should not be construed as a recommendation for any course of action regarding financial, legal, accounting or other professional services and should not be relied upon without the consultation of your accountant or attorney.

Common Assessment Magazine is the official quarterly publication of the San Diego Chapter of the Community Associations Institute. CAI San Diego Chapter encourages submission of news and articles subject to space limitation and editing. Signed letters to the editor are welcome. All articles submitted for publication become the property of CAI San Diego Chapter. Reproduction of articles or columns published permitted with the following acknowledgement: “Reprinted with permission from Common Assessment Magazine, a publication of the Community Associations Institute San Diego Chapter.”

© 2011 CAI - San Diego Chapter

ADVERTISING & CORRESPONDENCE SHOULD BE SENT TO:Common Assessment Magazine

CAI - San Diego Chapter1081 Camino Del Rio South, Suite 207, San Diego, CA 92108

619-299-1376 / fax 619-299-1377 / www.cai-sd.org

President’s Message

Our Chapter Recognized at the 2011 National Conference

I am so proud to announce that the Chapter was the recipient of the Chapter Achievement Award for Public Affairs - Very Large Chapter for our submission for our CLAC Roundtable Committee. Our President Elect Louise Stettler and I accepted the award during the General Session on Friday at CAI National Conference. All of our committees do a wonderful job, and it is wonderful to see the Chapter recognized for its hard work. If you haven’t marked your calendars yet, you need to block out April 18-19, 2013 for CAI National Conference here in San

Diego! We are already working on our Chapter party to make it the best ever!So, if you missed our Monte Carlo Night you missed a wonderful event!

Sharyn Edwards-Chair and Louise Stettler-Co Chair and their committee did a fantastic job! The night was full of energy, gaming, great food and of course the best people in the industry. Sea World was a great venue change and a beautiful setting for this event. Great job all!

As many of you know we have added educational morning programs in North County this year. We have held two events and are excited that there will be two more this year. We will again return to North County in September and November of this year. Stay tuned for more details.

Our new Board Fundamentals course will be held in San Diego on June 18 and Vista on July 16. Please make sure you share this information with your board members. An educated board member makes a better board member.

Social Media is here and we are on Facebook! Visit our Facebook page and become our friend, just search for CAI San Diego. You can find information on upcoming events and see post-event pictures. We are campaigning to have over 200 friends by the end of the year. We need your help to accomplish this.

Don’t miss out on our Family Day at the Padres on Saturday, June 25, 2011. Tickets are $31 each and that includes all you can eat hot dogs, soda, water, peanuts and popcorn! The proceeds will be donated to our Manager Scholarship Fund.

As we all our planning our summer vacations, please be safe during your travels!

Common

Cyndi Koester, CMCA, AMS, PCAM AVP Southern California Regional Account Executive, Mutual of Omaha Bank/Condo Certs

Chapter President Cyndi Koester, PCAM and President Elect Louise Stettler proudly accept the Chapter Achievement Award from Tom Skiba at the 2011 National Conference


San Diego9980 Carroll Canyon Rd., Suite 200San Diego, California 92131858.527.0111 • fax 858.527.1531

Inland Empire41870 Kalmia St., Suite 160Murrieta, California 92562951.461.1181 • fax 951.461.2916

Coachella Valley44-875 Deep Canyon Rd., Suite 3Palm Desert, California 92260760.836.1036 • fax 760.836.1040

800.300.1704 l www.epsten.com

to complex Community Association legal issues. If you are involved in the management of a community association, you know that the State and Federal laws that govern associations complicate decision-making and make the conduct of association business challenging. We can help. At Epsten Grinnell & Howell,solving the complexities of community association law is our only business.

Our attorneys handle a continuing and varied stream of association legal matters. We collaborate and share our ever-expanding knowledge with each other, and with our clients. This can be a real benefit to your association, as our attorneys are not likely to be starting from square one when faced with your difficult issue.

Call us today… We have a lot of common interests.

We provide solutions...

Technological Advances in the Legal World: Instant Access to Delinquent Assessment Status By James R. McCormick, Jr., Esq.



Fifteen years ago, lawyers were using state-of the art

technology by being able to fax “status reports” regarding

delinquent accounts to a manager. These reports were usually

updated on a monthly basis, just before the board meeting.

Ten years ago, the fax machine was replaced with the newest

cutting edge technology: e-mail.

With the latest technological advances of smartphones,

laptops and tablet computers, combined with Wi-Fi and

broadband access to internet connections, managers and

board members can now access the status of an association’s

collection accounts, at any time, from virtually anywhere.

A handful of legal practitioners now offer a service whereby

managers and board members can access information about

their association’s collection accounts 24/7. Once logged

into the system (via computer, smartphone, laptop, tablet

computer, etc.), managers or board members can:

• See an birds-eye overview of all of their collections accounts

• Drill down into the specifics of any given case/matter

• View or print reports in a variety of formats; and

• Review data in whatever manner is most useful to them.

All of the information is collected in a database so it can

be viewed or collated using different options. If the board

only wants to see the outstanding assessments, or legal fees

or late fees, those can be broken out. Information related to

delinquent assessments is no longer static on a printed report.

With this type of instant access, managers can check the

status of any account whenever they need the information,

instead of having to call or send an e-mail request to the

attorney’s office and wait for a response. Additionally,

managers have the ability to review and/or print status reports

for an entire association; again, at the manager’s convenience.

With laptops and smartphones, this information can even be

accessed during a meeting.

A wise man once said “with great power comes great

responsibility.” (Extra credit for naming the reference!)

The attorneys who offer this service must ensure that the

information and the collections accounts are kept up to date.

No longer can account updates wait until a status report is

requested. No longer can collection steps wait until the day

before a board meeting. With this open system, law firms

understand there is an expectation that the information will be

continually updated.

Boards too must understand that despite the fact that

information is available all the time, collections efforts do not

reach fruition overnight. There are time frames where no action

is being taken because none can be taken. While checking

the status of the accounts on a daily basis may not result in

additional assessment funds being collected, it will provide

board members and managers with information regarding the

actions that have been taken by their legal counsel to pursue

collection from the delinquent owners.

If you fancy yourself technologically savvy, check with your

local association attorney to determine if online collections

account information access is available for your association.

If it is, schedule a time to review the available information,

accessibility options and the variety of ways in which the

information can best be utilized for your needs. Be sure to take

advantage of this option now, as it may only be 5 years before

this technology is superseded by the ability to beam the

information directly into your brains!

James R. McCormick, Jr., Esq. is a managing partner at Peters & Freedman, LLP, with offices in Encinitas and Palm Desert, California.

AS WITH OTHER BUSINESSES THAT SERVE HOMEOWNERS ASSOCIATIONS, THE LEGAL WORLD HAS SEEN TREMENDOUS TECHNOLOGICAL PROGRESS THAT ENHANCES REPRESENTATION OF CLIENTS. ONE SUCH INNOVATION IS THE ABILITY OF MANAGERS AND BOARD MEMBERS TO INSTANTLY OBTAIN CURRENT INFORMATION REGARDING DELINQUENT ASSESSMENT ACCOUNTS THAT HAVE BEEN TURNED OVER TO LEGAL COUNSEL.


From the Stone Age to the Technological Revolution

By Neal Chazin


We went through a period where word processors and

slow computers with minimal storage on floppy disks and fax

machines were the latest technology. Only a very select few

had car phones and pagers were commonly used to contact

people in the field. The internet came much later.

Since then, technology has advanced so much it is as if

we went from the stone age to the technological revolution in

just 30 years. Computers are amazingly fast, storage capacity

is practically unlimited, the internet, with the use of email and

websites has dramatically changed the way business is done.

Cell phones have allowed us to be immediately connected

to clients and the world, digital cameras have enabled us to

document just about everything going on in an association

and share the information instantly, conference calls and

“Go to Meeting” allows us to meet with a group at any time,

and wireless technology allows us to bring our office with us

wherever we go. The advancement of this technology has

brought on many specialized cottage industries that have

helped the homeowner association industry. These companies

provide software, websites, banking services, document

storage, back-up storage, payment coupon and billing

services, invoice and check processing, bid processing, taking

meeting minutes, escrow and refinance processing services,

collection services, and election services to name a few.

The latest technology has enabled homeowners to

individually choose how they get billed – by paper statements,

payment coupons or an electronic bill. They have options on

how they can make their assessment payments – by check, bill

pay service through their bank, automatically deducted from

their account each month (ACH), credit or debit card, and

e-check. No more having to run to the management office

on the 15th to avoid paying a late charge! Homeowners now

have better access to association information – documents

can be posted to the association’s website

including monthly meeting dates and agendas,

meeting minutes and newsletters. Association

websites can also include special events or

allow for an exchange of ideas between

homeowners. Architectural changes, work

orders, and notifying the management

company of any problems that are

encountered can be submitted fairly

effortlessly through the website.

The most beneficial technological

advancement to board members

has been the advent of the internet and the ability to

communicate with each other and the management company

through e-mail. Even though the open meeting act requires

board meetings to be open, the management of ongoing

operations has become practically impossible without the

ability to rapidly communicate with each other. Any document

including agendas, proposals, contracts, minutes, architectural

requests can be emailed instantly to board members and

speeds up processing time and sometimes the approval

process. And unlike a phone call, email correspondence

allows for a paper trail on all issues. Another valuable benefit

to board members includes real-time access to financial and

banking information.

Management companies have benefitted greatly from

the advancement in financial and association management

software products. Many of the new software packages

include an open architecture platform that allows for user

customization and the ability to integrate financial and

management services. This allows management companies

From the Stone Age to the Technological Revolution

IN THE OLD DAYS, (THE 70S AND 80S FOR HOMEOWNERS ASSOCIATIONS) TECHNOLOGY WAS FOR ALL INTENTS AND PURPOSES NON-EXISTENT. ALL BOOKKEEPING WAS DONE BY HAND AND SOME MANAGEMENT COMPANIES WERE STILL DOING THEIR BOOKKEEPING MANUALLY WELL INTO THE 1990S. HAND WRITING CHECKS TO VENDORS, RECORDING OWNER’S PAYMENTS ON THEIR OWN LEDGER AND FILLING OUT DEPOSIT SLIPS WERE ROUTINE. TIME CONSUMING HAND WRITTEN OR TYPED REPORTS WERE PROVIDED TO BOARD MEMBERS AT THE END OF THE MONTH. MOST EVERYTHING WAS SENT THROUGH THE MAIL.

Continued on page 10


STONE AGE Continued from page 9

to provide the benefits listed above

for homeowners and board members

and eliminates numerous phone calls

and follow-up work. Reports can be

customized and printed out in the order

selected and emailed directly to the board

members. The ability to scan invoices

and link them to a check allows easy look

up capabilities and the MICR encoding

and signature automatically applied to

checks eliminates the need for individual

checks per association and the need to

hand sign checks. The latest software

eliminates unnecessary data entry and

duplication efforts, contains user defined

fields for easy customization, and the work

order management and architectural and

covenant tracking modules helps reduce a

lot of processing time for your staff.

There are many companies that provide

software for our industry; when evaluating

your options it is important not only to

understand the benefits of the program

but to analyze the time it takes to process

information to make sure your entire office

can be more productive. Since computer

hardware technology advances so quickly,

plan on upgrading computers and all other

equipment every five years or less. Make

sure appropriate back-up and security

systems are in place to ensure the reliability

of the system.

Thirty years ago it was hard to imagine

today's technological advances; imagine

where it will go during the next thirty years.

The important thing is to try to keep up

with it!

Neal Chazin is CEO and founder of Associated Professional Services, Inc., located in San Diego and Las Vegas and provides bookkeeping and management support for self-managed and on-site managed associations and independent managers.

©2010 Union Bank, N.A.

HOAbankers.com

To put our HOA Banking expertise to work for you, visit us at HOAbankers.com or call us today.

Community Association Management isn’t learned overnight. That’s why our

relationship managers study the ins and outs of your industry and with that,

design customized banking solutions to fit your specific needs. Peace of mind

starts with a strong financial partner with award-winning customer service and

nearly twenty years of helping businesses like yours grow.

One of your most valuable business relationships starts here.

UBM071_Jan26W_SanDiego_4.75x7.5_4C

Relationship Manager:Julie Marquez, CTP, 866-679-6764Jolen Zeroski, CMCA®, 800-669-8659, x4Mahendra “Sammy” Sami, CTP 877-839-2947

Team Leaders:Pamela Hazard, CMCA®, 800-669-8659, x1Michelle Hill, 800-669-8659, x2

National Sales:Mickel Graham, PCAM®, 866-210-2333, x1

Industry Manager:Mark Reider, CMCA®, 800-846-5821

11C O M M O N A S S E S S M E N T M A G A Z I N E • S U M M E R 2 0 1 1

technologytrends

For several years, homeowner associations and their management partners have benefited from investing time and monies into their properties and common areas to make these residential communities a desired place to live, improve home values, and provide security and convenience that traditional single family homes or suburban living do not offer. With constant changes in the residential market, there have been many advanced technologies that assist with security enhancements and loss prevention for all types of homeowner association communities.


I N S E C U R I T Y &E N T R Y S Y S T E M SBy Michael D. Chism


systems, which secure the main entry and

exit points for residential neighborhoods

and multi-tenant urban dwellings, are a

common theme of most associations,

Gated communities aid in improving

property values by a conservative average

of 5-7% according to regional real estate

professionals. They also reduce instances

of burglaries and petty theft, per a national

study posted by a group of students and

staff at Florida International University.

Simply put, “if you can afford it- better to

live in a gated community.”

Building AccessCommunities that invest owner dues

towards common area luxuries—such as

a community pool, clubhouse, exercise

facility, and tennis courts have the

opportunity to address common issues.

Traditional key systems are reliable, but

provide little control and manageability.

In addition, keeping proper control of

keys in circulation is always challenging.

Manageable building access systems (i.e.

card access, digital keypad, biometric

readers) are technological items that help

solve this problem. These devices enable

communities to effectively enforce hours

of operation of these common spaces and

provide a level of control to community

managers. One advantage to having these

systems is the ability to remotely disable

the entry device for owners whose rights

to use the facilities have been suspended,

due to delinquencies or other violations.

This saves the manager from having to take

action at the community site.

Video SurveillanceA growing trend in residential

communities is video surveillance systems.

This type of security is very helpful in loss

prevention and claims against associations

involving common area amenities or gated

entry. Claims that “the gate closed on

my car” or reports of missing equipment

or injury in a fitness area are examples

of where a video surveillance system

is beneficial. These systems allow the

Who else can say – our account executives know community management backwards and forwards.

Who else can say – our relationship managers speak your language and understand your business.

Who else can say – our technology group has revolutionized the business of association management.

ExpEriEncE

Z4746

HOA Banking HOA LoansInternet Cash Management Online Payment Systems Dedicated Customer Service

Cyndi KoesterAVP / Regional Account Executive

949.235.8498Toll Free 866.800.4656, ext. [email protected]

mutualofomahabank.com

Community Association Banc is a division of Mutual of Omaha Bank. Member FDIC. Equal Housing LenderCACM Affiliate Member. National Corporate Member of Community Associations Institute.

Equal Housing Lender

Some of the many examples of

innovative technology that provide security

benefits for homeowners associations and

their management partners are:

• Automated gates and resident parking

control

• Authorized building access for common

areas

• Video surveillance systems

• License plate recognition systems

• Biometric access systems

Gated CommunitiesAutomated vehicle gated entry

TECHNOLOGY TRENDSContinued from page 11


management team to remotely review the

video surveillance system and take action, if

needed, on reported incidents.

As the San Diego market continues

to grow, the need for security and access

in residential markets follows suit. When

there is a need for the types of community

enhancements illustrated here, board

members and management should

consider the following:

• What are the main issues with your

association?

• What are the owners’ expectations with

the final product?

• Who will be managing the system and will

it be remote or local?

• Will the product choice fit the

application?

When considering security

enhancements for residential communities,

always consider the following options when

selecting a vendor and product:

• Purchase rather than lease equipment

• Use a company that is local

• Stay clear of proprietary equipment as this

will greatly reduce service and support

• Consider using products that have local

distribution for better warranty and

support.

Following these simple guidelines will

assist in better decision-making for both

the product and installation.

Michael D. Chism is the President, CEO and RMO of Controlled Entry Specialists, Inc., which serves San Diego and Riverside counties.

With offices in San Diego, Coachella Valley and the Inland Empire, Epsten, Grinnell & Howell is one of the largest common interest

development law firms, serving communities throughout San Diego, Riverside, San Bernardino, Orange and Los Angeles counties.

How does the firm instill a sense of team and camaraderie?The staff and shareholders of Epsten Grinnell & Howell work hard in maintaining a

team atmosphere throughout the firm. From philanthropic causes to company events, the group certainly has fun. In addition to their philanthropic work, the firm also hosts and sponsors several company events including an annual cookout on the front lawn for an Employee Appreciation Day.

Please share the value received from being a CAI member.The firm has benefited significantly including the opportunity to make a difference

in the industry by providing education to board and manager members. CAI further affords the opportunity to network and stay in touch with managers and the opportunity to meet business partners who serve or could serve our clients.

Most memorable moment or highlight for the firm?Over the course of the firm’s history, there have been many memorable highlights,

including getting standing ovations at homeowners meetings, winning appeals decisions, getting CC&R amendments through the first time, and resolving the largest construction defect matters. The company cherishes each and every one of these successes.

Advice for board members, community managers and industry professionals.

For board members and community managers: Don’t be afraid to tell the law firm, staff and shareholders, those who serve you, how they can help you. For industry professionals: Use the social events to get to know people in the industry, managers as well as other business partners. Respect the manager and the board. For all individuals, education is imperative, thus raising the level of professionalism for the industry.

What are the firm’s forecasts for the San Diego common interest development industry over the next 10 years?

Technology will be used even more extensively. Education and certification will continue to be a standard for good management. Through technology homeowners and board members will have more information readily at hand.

The law firm is a long standing CAI business partner and member. Epsten Grinnell and Howell is an innovative, forward thinking and solid firm. To contact the firm visit their website at www.epsten.com.

CAI-SAN DIEGO PLATINUM MARKETING PLAN MEMBER

F O C U S O N :


It is the year 2003, and the following

words scroll across the TV during the

nightly newscast: “Facebook and

Twitter prove to be enormous help

in overthrow of Egpytian president Hosni

Mubarak.” In 2003 Facebook and Twitter

were not part of anyone's vocabulary. A

person might assume that Facebook and

Twitter were zealous political opponents of

the Egyptian president. Eight years later,

the world has witnessed the internet and

its communicative tools – Facebook and

Twitter especially – being instrumental in

ousting a regime after three decades in

power.

Now the question: How does this apply

to community associations? As the internet

perpetually evolves, so too does the need

for community associations to utilize all

that it has to offer. It is important to know

how to best avoid missteps in the cyber

minefield, and in doing so maximizing the

power of the internet for your association.

Many community associations own and

maintain a web presence these days. They

range in cost from relatively inexpensive

to free (sponsored websites, Facebook,

MySpace, etc.) and can be a great source

of information for homeowners. While

creating a website can be as easy as

utilizing a home-page service offered by

a management company or hiring a web

designer, the complexities begin once the

web presence has been born.

When asked what the most important

aspect of an association’s web presence

is, Deborah Kornheiser of the law firm

Wasserman Kornheiser succinctly stated,

“Control is the key.” As an experienced

community association attorney, Ms.

Kornheiser emphasized that an association

is entering into a perilous situation when

control of content is not maintained.

Does this mean my association should avoid message boards, Twitter, blogging and Facebook?

Absolutely not! The purpose of a

Cy

be

r S

av

vy

By Brian A. Kalmenson, CCAM®


community association webpage is to

keep the membership informed, while

providing another face to the association

for its current and future members. When

it comes to the aforementioned interactive

technologies, the board just needs to

make sure that all posted items are board

approved prior to publication. On this

very concern, Ms. Kornheiser states, “A

website gives the association another

face for homeowners, and given proper

safeguards, can be a great communicative

tool.”

This simple safeguard of pre-

publication approval greatly lessens the

possibility of inflammatory content making

its way onto an association-maintained

website, blog, Twitter or Facebook page.

What kind of content can’t be shared under any circumstances?

The type of information to steer

clear of is any information not intended

for re-publication. According to Ms.

Kornheiser, “Misuse of information is a

problem. An example is posting a list

of registered sex offenders within range

of the community; while it is public

information, doing so can have very

serious legal repercussions.” When the

question comes up as to whether or not

the association can post certain content, it

is always best to check with legal counsel

first. Regarding potential information

misuse, spending a few dollars in the

present for an informed legal opinion

could save the associations thousands of

dollars in the future.

I’ve heard of frustrated members creating their own non-approved and unofficial websites; how should a board handle these?

When asked this question, Ms.

Kornheiser states, “Associations should

not be promoting or giving attention

to the non-approved websites. The

attention gives [the websites] perception

Professional. Capable. Friendly.

Year after year our list of satisfied, well-managed communities grows. Our team of accredited, certified community managers offers unparalleled credibility and integrity. Call Curtis Management today for the highest caliber, hardest working professionals to manage your community. Toll Free 877.587.9844.

Just what you’ve been looking for in professional community management.

www.curtismanagement.com

Peaceful, Productive Dispute Resolution

Mediation ✦ Training ✦ ADR/IDR

CAI members: Ask for your free copy of

“Peaceful and Productive Board Meetings”

MEDIATION SOLUTIONS Mary Delmege . 760-504-7977 . [email protected]

www.marydelmege.comContinued on page 16


of legitimacy and only creates a larger

distraction.” The association’s members

should address any concerns in the proper

forum: a community association board

meeting.

But if the website or social media site

isn’t board-approved, can the board have

it taken down? Unless the website or page

is promoting itself as the official website

of the association, or is posting otherwise

libelous information, the board would not

have the authority to have the site taken

down.

While there are hazards to avoid while

building your association’s web presence,

there are tremendous benefits in doing

it the right way. In addition to providing

a common, consistent and permanent

source of information, it can lead to a

fiscal cost savings for associations. Such

savings can be realized in the posting

of regular session meeting minutes, as

well as association governing documents

and mailings to the association website.

Homeowners may still elect to receive

hard copies of association documents,

but having them available electronically

will inevitably reduce the time and

energy spent on document collection,

as well as homeowner-incurred costs

of copying and postage on some level.

Additionally, providing association forms

and documents online for homeowners to

obtain instantly can streamline document

distribution and lessen the number of

requests for management staff to process.

Cyber landmines certainly do exist,

though with great care and proper legal

follow-up on any potentially questionable

content, none are unavoidable. In

this day and age where the internet’s

unquestionable mass communicative

power has made the hope of democracy

possible in foreign lands, it’s not a

stretch to imagine the great benefits

for community associations when a web

presence is done right.

Brian A. Kalmenson, CCAM® is a Commercial Insurance Specialist with the Michael Abdou Insurance Agency.

The Only Choice for Your Protection

Toll Free 877.277.3970or 858.277.2228www.paynepestmgmt.com

SAN DI EGO • O RANGE COU NTY • LOS ANGE LE S

Damage Replacement

Guarantee

Real Estate Inspections

Great Customer Service

Accurate Invoicing

$2,000,000 Liability Insurance

While there are hazards to

avoid while building your

association’s web presence,

there are tremendous

benefits in doing it the

right way.

CYBER SAVVYContinued from page 15


Is your CID complying with California Law?

•Residential,commercialandindustrialassociations’electionsinvolveanimportantlegalprocessthatshouldbehandledbyanattorney.

•Reducethestressandworkloadinvolvedwithelectionsof directors,recalls,amendmentstogoverningdocumentsandspecialassessmentelections.

TheLawOfficesof RichardSalpietrahasprocessedover100,000ballotsinpastelections.Wehandleallaspectsof anelectionastheInspectorsof Electionsincludinginterpretinggoverningdocuments,creatingandmailingallelectiondocuments,collectingballots,conductingtheannualorspecialmeeting,tabulatingvotesandannouncingtheresults.

858.756.2233 • www.salpietra.com

Inspector of Elections Services provided by Qualified Legal Professionals.

Wehavetheanswerstoyourlegalquestions–whenyouneedthem.


THE SPEED

OF

TECHNOLOGY

Committed to leadership in protecting the rights of clients.

Joel M. Kriger, APC • CoMMunity AssoCiAtion lAw Division

Anderson & Kriger, LLP

• Annual retainer Program – no Cost Collections – unlimited Phone Calls – Annual Check-up Meeting – Quarterly newsletter – reduced Hourly rates• Fee for service Program• CC&r enforcement• Document revisions• opinion letters• Civil litigation

619-589-8800www.a-khoa.com


THE SPEED

OF

TECHNOLOGY

Have you figured out how to use the newest “app” (2010

word of the year), widget, Tweet or post? Just about the

time we learn how to use the available technology, it

changes. It is difficult to keep up with all of the new technology that

impacts the common interest development industry and our daily

lives, let alone be proactive about implementing such technology

effectively.

Do you and your communities really need to utilize all of the technology available?

It was not long ago when the thought was that every community

should have a website. Then, reality set in and boards figured

out that someone actually has to maintain, update and provide

information on these websites to keep them relevant.

With the troubled state of the economy over the past few

years and many associations facing budget deficits due to unpaid

assessments, the need for costly websites and other auxiliary

services have been reconsidered by many boards. The trend has

been to look at technologies that can increase income and save

time.

One thing that associations should not do without when it

comes to technology is solid accounting software. Although

accounting software may be an investment by associations or

management companies, it is the top priority for a healthy, vibrant

and solid business. There are many different options available

within the industry, from top of the line programs that will not only

manage accounting but also track violations, to simple systems that

will provide your association with the accountability necessary to be

successful. Check your CAI Membership Directory for professionals

that provide these services and talk to fellow members about what

has worked for them. You will be surprised how many solutions are

out there.

Some programs are designed to save associations and

management companies time, which in turn will also save money.

Using software for electronic document delivery for board meetings,

resale packaging and archiving documents aid in reducing overall

costs. Most directors serving on boards have email capability

and it is cost-effective to provide board packets in PDF (Portable

Document Format). This allows directors to receive board packets

and other materials via email and only print what is necessary for

meetings. Some boards also opt to use PowerPoint to project

documents at meetings in order to save printing costs. Both are

effective technology tools that can save money.

Archiving documents has been a major discussion in the

industry for some time. Although it is easy to scan documents and

archive them on to CDs or other formats, investing in a program

that allows you to perform keyword searches on files still remains

cost prohibitive for most associations. Several management

companies throughout the country have made investments to

implement this technology, saving time and paper-storage fees.

At this time the technology is not easily accessible for individual

associations.

This brings us to the newest concept that is taking the world by

storm: Cloud Computing. Microsoft’s® commercials currently focus

on cloud computing with their slogan, “to the clouds.” So what

does that really mean? According to Wikipedia, “Cloud computing

describes computation, software, data access, and storage services

that do not require end-user knowledge of the physical location

and configuration of the system that delivers the services.” In short,

you no longer have to download and utilize your hard drive space

to run a program or to access data. It lives on a remote server and

is accessible from any computer at any time, provided you have

access to the Internet.

By Sabine Liedel



Although cloud computing may seem ideal,

it holds some security risks and should only be

implemented with solid technology plans in

place. Any time you share documents and files

via the internet and email, there are security risks

associated. Once your information is placed into

cyberspace, it is no longer private and you risk

the possibility of anyone having access to your

material.

Many experts are vocal about implementing

a technology plan that includes archiving and

purging documents. As with paper documents,

anything kept in a digital format may become

admissible in court when suits are filed. If your

association is subject to a lawsuit, consult legal

counsel immediately.

Here are a few rules to follow when it comes to

anything digital:

• Only respond to email when an answer is

necessary

• Never put in an email what you would not put

in writing on paper

• Be careful not to discuss items via digital format

(chat, email, blog, etc.) that might be viewed as

a meeting of the board

• Formulate a plan to address digital

communication and the storage of digital

records for your association

• Ask your management company if they have a

plan in place that covers your documents

• Treat digital documents and discussions as you

would any other form of communication

Each year CAI provides seminars at its Annual

Conference, CEO/MC Retreat and other local

chapter events on technology and best practices.

This continues to be a hot topic in every industry

including common interest developments. The

most important thing to keep in mind when it

comes to technology: only use it when and if it

makes sense.

Sabine Liedel is the Regional Director

for the Management Resource Center, a

provider of service and products

specifically designed for the community

association industry.

CONTACT YOUR PROS FOR A FREE ESTIMATE TODAY

1-800-399-3199www.p ro - t e chpa i n t i ng. c om

YOUR SINGLE SOURCE FOR ANY PROJECT

$2,000,000 Liability Insurance

Online Tracking Service

Interest-Free Financing

WarrantiesUniformed Crews

Color Consulting & Scheme Board

Energy Efficient & Green Coatings

Elastomeric Coatings

Stain & Finish WorkPressure Washing & Water Reclamation

Class B Licensed

Wrought-Iron Repair & Repaint

Curb & Light Pole Painting Wood Inspection & Repair

Stucco Repair & Re-texturing

Roof Tile & Gutter Cleaning

LOCALLY SERVING SAN DIEGO & ORANGE COUNTIES

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

From installation to maintenance, Steven Smith Landscape Inc. provides every landscape need.

Specializing in HOA landscape maintenance, we improve curb appeal and enhance your overallHOA experience. In partnership with management and the Association, we bring clear, concisecommunication, quick response and project satisfaction.

For your larger landscape needs, our full service construction division can meet your needs.Our reference list includes Poway Unified School District, City of Escondido, City of Santee,City of San Marcos and U.C.S.D.

Call Today For A Professional Proposal 760/745.9916 Lic No. 456160

Improving more than just your property.

STEVEN

SMITH

LANDSCAPE

INC.

ssl_CAI_0210:Layout 1 1/19/10 10:23 AM Page 1

THE SPEED OF TECHNOLOGYContinued from page 19


STRIKE Mt. Helix Pest & Termite Control, Inc.

Pacific Western BankPark West Landscape Maintenance, Inc.

SPARE Allegis Residential Services

Anderson & Kriger, LLPAV Builder Corp.

Green Valley Landscape & Maintenance, Inc.Merit Property Management

Mutual of Omaha Bank/Condo CertsPaul Davis Restoration of San Diego

Peters & Freedman, LLPPremier Roofing CA, Inc.

Pro-Tech Painting, Inc.Reconstruction Experts

Rodent Pest Technologies, Inc.RSI Roofing Services, Inc.

Sullivan Construction Management

DRINK BUCKS Accurate Termite & Pest Control

Animal Pest ManagementArborwell

Berg Insurance AgencyClean Earth Restorations

O'Connell Landscape MaintenancePersonal Touch Cleaning & Maintenance, Inc.

ProTec Building ServicesWestern Towing

DESSERT Brickman LandscapeDapa Services, Inc.

S.D. Preferred Property Managers, Inc.Treebeard Landscape

22

IS YOUR HOA A

WATER HOG?By Sam Cadwallader

San Diego has felt the effects of

mandatory water regulations for the

past one and a half years. But have

we all made changes and taken

advantage of current technology to really

create savings in water and money? Probably

not. There is a lot of technology and forward-

thinking practices that can make a difference

in your water bill as well as do the right thing

for our local San Diego environment.

When thinking about water usage, one of

the first changes to consider is using those

“smart controllers” that everyone has been

talking about. Essentially, smart controllers

use historical weather data, information

from a small weather station installed with

the controller, off-site data from a local

weather station or even satellite information.

The controller takes this information and

automatically adjusts the amount of water

applied to your landscaping, based on current

weather conditions. So in the hot summer

months it will increase the water applied and

in the cool winter months it will decrease the

water applied.

If you have ever heard your landscapers

tossing around the terms “ET rates and

evapotranspiration” they’re referring to the

sum of evaporation and plant transpiration

into the atmosphere. Evaporation is the

movement of water from the soil into the

air and transpiration is the movement of

water from plants into the air. Some smart

controllers take this loss of water into account

when adjusting your irrigation system. Smart

controllers really are the best way to start

honing in on your irrigation run times and

creating efficiency. Some cities offer rebates

for new controllers, micro-irrigation and

turf-replacement. Be sure your landscaper is

aware of which rebates are available for your

association.

Another innovative system enables a

landscape account manager to be in constant

communication with the irrigation system.

The manager can enter and modify irrigation

programs, manually turn on and off stations,

and if a flow sensor has been installed, the

manager will be notified immediately of any

broken heads, pipes and mainline faults.

Thanks to the internet, all of this can be done

from a cell phone or web connection.

Besides these all-powerful controllers,

there are many low application rate, micro-

irrigation options to use rather than your

standard spray heads. As a rule of thumb,

when mist is shooting out from the sprinklers,

water is being lost to evaporation. There

are more efficient options, such as micro-

spray, drip and in-line emitters, that apply

water more directly to the root source using

larger water droplets. If operated properly,

associations could see possible water savings

of 30%.

Switching out the controllers and heads

are helpful, but associations should also

consider changing the plant material.

The days of endless pastures of emerald

green grass are slowly coming to an end.

Everyone loves turf, the smell the touch, the

look. However, associations do not need it

covering every square-inch of permeable

landscape. Associations should realize that

it is not necessary to eliminate all of the turf.

Curly Tail Farms HOA

BEFORE

AFTER

S U M M E R 2 0 1 1 • C O M M O N A S S E S S M E N T M A G A Z I N E


IS YOUR HOA A

WATER HOG?By Sam Cadwallader

However, there are areas in almost every

development where the grass can be

replaced. Sure, leave it in the parks and

congregational areas, but if there are areas

where the kids and dogs aren’t playing,

why not remove the turf and replace it with

some drought tolerant species?

Before concluding that incorporating

drought-tolerant plants means that your

association will become a desolate, cacti-

ridden wasteland, you should understand

this is not the case. There are a myriad

of low water using plants that are quite

aesthetically pleasing (see photos opposite

page). There are thousands of succulents,

perennials, ornamental grasses, shrubs

and trees that do not absorb water like turf

and still provide vivid textures and inviting

ambiances.

If you do go the route of replacing

turf with drought-tolerant plants, you and

your board are probably wondering when

you can see the return on investment.

Each case has many variables; not the

least is how well your water is currently

being managed. A frank discussion with

your landscape contractor is good idea.

Replacing a large section of turf with

an equally large section of established

drought-tolerant plants could possibly

yield up to a 50% savings in water. By

installing very low-water usage plants,

associations could get away with watering

these plants once a week! Compare that to

the thirsty turf!

The moral of the story is to start talking

to your landscaper about what options

are available for your association. While

changing the controllers, heads and plant

material involves an initial investment, in

the long term, your association will see the

savings in water usage and on your water

bill.

Sam Cadwallader is a Business Development Representative for New Way Landscape & Tree Services, a full service landscape maintenance and tree company, which has served San Diego for 31 years.

We know the

difference

between getting

the job done

and getting it

done right.

800-227-6225S a n D i e g o • C h u l a V i S t a • C a r l S b a D • m u r r i e t a

www.waltersmanagement.com

C e l e b r at i n g O u r 3 7 t h Y e a r

Full Service Community Management


NewsStandN E W S F R O M C A I N AT I O N A L

CAI’s College of Community Association Lawyers (CCAL)

CAI’s College of Community

Association Lawyers (CCAL) kicked off 2011

with a new dean and four newly elected

members of its Board of Governors.

Jeffery Van Grack, Esq. of Lerch, Early

& Brewer Chartered, in Bethesda, MD,

began his two-year term as CCAL dean on

January 1. Van Grack has been a practicing

community association attorney for more

than 25 years, and regularly speaks at

national and chapter conferences about

community association issues. He is a

former president of CAI’s Washington

Metropolitan chapter, and in 2007 served

as chair of the Community Association Law

Seminar.

“I’m excited to step into my new role

as dean, and am happy to be a part of

such an important organization,” said Van

Grack, who was admitted to CCAL in 1996.

“CCAL is a vital resource not only for CCAL

members, but also for all professionals and

homeowner volunteers who serve common-

interest communities. The board and I look

forward to expanding on all of CCAL’s great

work.”

The following CCAL members have

been elected to two-year terms on the 2011

CCAL board:

• Scott Brian Carpenter, Esq., Carpenter

Hazlewood, PLC , Tempe, AZ.

• Kenneth E. Chadwick, Esq., Chadwick,

Washington, Moriarty, Elmore & Bunn,

P.C., Fairfax, VA.

• Ellen Hirsch de Haan, Esq., Becker &

Poliakoff, P.A., Clearwater, FL.

• Stephen M. Marcus, Esq., Marcus, Errico,

Emmer & Brooks, P.C., Braintree, MA.

Hirsch de Haan is new to the board

this year, while Marcus and Chadwick were

elected to their second terms. Carpenter

was elected to his third and final term.

Greensboro, NC, attorney James H.

Slaughter, a partner with Forman Rossabi

Black, P.A., returns to the CCAL board to

serve the second year of his two-year term.

Established in 1993 by the CAI Board

of Trustees, CCAL consists of fewer

than 120 CAI member attorneys who

have distinguished themselves through

contributions to the field of community

association law. CCAL members are also

recognized for committing themselves to

high standards of professional and ethical

conduct in the practice of association law.

Nine attorneys from across the country

were inducted into CCAL during the

32nd Annual Community Association Law

Seminar January 13-15 in Las Vegas. The

seminar drew a record 580-plus participants.

NBC-CAM Report: 97% of CMCAs Are Working Full Time

While many businesses, organizations

and professions have taken significant

financial hits amidst one of the worst

economic downturns in modern U.S. history,

the community association management

profession continues to prosper.

According to findings in a Special

Report developed by the National Board

of Certification for Community Association

Managers (NBC-CAM), 97 percent of

the estimated 10,000 managers with

the Certified Manager of Community

Associations® (CMCA) designation are

working full-time in the profession.

To put these numbers in perspective,

America’s overall unemployment rate

increased to 9.6 percent by the end of 2010.

When the percentage of part-time workers

wanting full-time work is included, the U.S.

underemployment rate was at 19 percent at

the end of 2010. However, only 1.2 percent

of CMCAs reported being underemployed

and 2.3 percent unemployed.

“We are very pleased knowing that

only 3 percent of CMCAs nationally are

not working full-time in the profession,”

says NBC-CAM Executive Director Dawn

Bauman, CAE. “The community association

management profession has remained

extremely strong and stable despite the

economy.”

While the 2011 employment outlook for

the community association management

profession is strong, more than half of the

nation’s estimated 310,000 homeowners

associations (HOAs) are undergoing

financial strain due to the foreclosure crisis

and the economic downturn, according to a

recent survey conducted by the Community

Associations Institute (CAI).

In the September 2010 survey of 1,500

CAI members, 54 percent of community

managers said their associations face

“serious” or “severe” problems as a

result of the struggling labor and housing

markets.

“Managing a community association is

like running a business,” says Robert Felix,

NBC-CAM chair and senior vice president

of Rossmar Graham Management in Mesa,

Ariz. “Many communities have learned the

hard way that they need to entrust their

management to a CMCA, especially during

challenging times.”

As economic indicators point to

improvements in the economy, Bauman

believes the supply of qualified community

association managers could be strained.

“It’s possible that as the economy

improves, we may experience a shortage

of community association managers,” she


says. “Nearly a third of managers are over 55

and nearly a quarter have been on the job more

than 15 years. The incentive to retire typically

rises as the economy improves and this could

lead many of the more senior CMCAs to leave

the profession.”

Such factors will likely increase demand

for professionally credentialed community

managers. “Community management will

continue to be a strong business,” continues

Bauman, ”not to mention an excellent career

opportunity for people who hold professional

credentials like the CMCA.”

Download the free white paper, The 2011 State of the Community Management Profession. NBC-CAM is a 15-year-old independent board that develops certification and standards for community association managers. It administers the CMCA examination. Passing the CMCA examination and maintaining the standards of the CMCA certification demonstrate that a manager is a knowledgeable, ethical and professional. CMCA-certified managers have the skills to safeguard the assets of homeowners’ associations, giving homeowners peace of mind and protecting home values. For more information, visit www.nbccam.org.

n 858.792.1500 n www.delmarpacific.com

Financing Available!

Completing community wide projectsn within your budget n in the shortest time possible n quality customer service n minimal impact to your residents

CA License #828224

Rebuilding Communities

“Serving San Diego, Orange County, the Coachella Valley & the Inland Empire”

n Reconstruction n Renovations n Repairs n Maintenance n New Construction

26

Thank you to our chapter members that have renewed their CAI membership. We appreciate your continued support and participation in our chapter.

A-1 All American Roofing .......................1997ActiveCommunities, Active Network .....2008Advanced Painting Co., Inc. .................. 2007Agricultural Pest Control Services ......... 2011Alan Aegerter, CMCA ............................2006Allegis Residential Services ...................2011AlliedBarton Security Services, Inc ........2009American Geotechnical, Inc. ..................1992Animal Pest Management Services, Inc. 2004Antac Pest Control ..................................2007Any Ferrell, CMCA, AMS, PCAM, CCAM ..2008Aqua Blue Company ..............................2010ARK Management ................................... 2010Asael Sandoval, CMCA, AMS ................2006ASI Reserve Services ...............................2011Associations Insurance Agency, Inc. .....2009Barbara Printz .......................................... 2007Barney & Barney, LLC ............................. 2009Bel Mondo Owners Assoc. .................... 1992Black Mountain Plumbing, Inc. ..............2009Bob Bartlett .............................................2008Bonney Wikkering ...................................2008Carefree San Carlos ................................1977Casitas Del Sol HOA ..............................2009CertaPro Painters ....................................2003Claudia Sitta, CCAM, CMCA .................2007Coit Services, Inc. .................................... 2010Co-Lee Grev, CMCA, AMS ....................2009Community Archives, Inc. ......................2008Cori Shipp, CMCA, AMS ........................2006Curtis Management Company ..............1984Delores Montoya ....................................2010Donna Walters .........................................2007Eagle Glen Master Homeowners Assn. 2009Ed Roth, CCAM, CMCA, AMS, PCAM ....1998Edwin Vitrano ..........................................2011Elite Services USA ................................... 2010Elliot Katzovitz Insurance Agency .........2007Epsten Grinnell & Howell, APC .............1986Erica Schalit .............................................2011Erin Lavergne ...........................................2009Feist, Vetter, Knauf & Loy .......................1978Fenton Grant Mayfield Kaneda & Litt, LLP ............................................2005First Bank Association Services .............1993Floods4less, Inc. ...................................... 2011Glidden Professional .............................. 2011Global Disposal Reduction Services .....2008GMI Building Services, Inc. .................... 2010Gotham Playgrounds & Surfacing ........2008Green Bryant & French, LLP .................. 2005Haney Accountants, Inc. ......................... 2009Har-Bro Construction and Consulting .. 2011Hauser Contract ......................................2006Heaviland Enterprises, Inc...................... 2011

Helen Yakely ............................................2006HOA Business Solutions, LLC ................2010Hugh Kratz ...............................................2000Interiors: By Design .................................1996J & M Keystone, Inc. ............................... 2004Jamie Kim, CCAM, CMCA, AMS ..........2007Janice Liese, CMCA, AMS .....................2005Jeff Greene .............................................. 2008Jerry Bice, CMCA ....................................2007Joel Owens .............................................. 2000John LeBlanc, CMCA ............................. 2010Juanita Bailey ........................................... 2011Karen Medley ..........................................2009Karen Mulholland ....................................2010Keystone-Inland, Inc. ..............................1991La Jolla Village Southpointe HOA ........ 2002LaBahn's Landscaping ............................1985Larry Peterson ..........................................2001Le Rondelet Management Corp. .......... 1999Leanne Ardilla, CMCA ............................ 2008Lifetime Composites, LLC ...................... 2010Linda Hill, CCAM, CMCA ....................... 2007Lindsay Management Services ..............2012Lisa Isaacson, PCAM, CCAM ................. 2007Lynn Williams ...........................................2010Mark McLean ........................................... 2010Mary Minnier, CPA ..................................2007Merit Property Management, Inc. .........2007Michael J. Ferrara, CPA ..........................1989Michael Yadrick .......................................2011Morgan Stanley Smith Barney ............... 1996Morning View Associates, LLC ..............2006Mutual of Omaha/Condo Certs ............ 2004Nadya Klima ............................................2011N.N. Jaeschke, Inc. ................................. 1976Nissho of California, Inc. ........................1995Ocean Hills Country Club HOA ............2010Pacific Rim Property Management ........2011Palo Verde Ranch HOA .......................... 1985Pamela Kindig ......................................... 2010Park Encinitas ..........................................2010Patio Guys ................................................2006Paul Johnson ........................................... 2010Paul Tagliaferri ......................................... 2010Payne Pest Management ....................... 2006PCM of California .................................... 1989Penasquitos Townhomes Owners Association .......................................... 2010Peri Sword ................................................2011Pernicano Realty Management Company .............................................2000Pestgon Termite ...................................... 2010Peter Penzes, PCAM ...............................2005Peter Ruggiero, CMCA .......................... 2008Peters & Freedman, LLP .........................1997

Pilgrim Creek Estates HOA ...................2005Pilot Property Management, Inc. ..........2002Popular Association Banking ................. 2005PrimeCo Painting & Construction .........1999Pro-Tech Painting Co. .............................1992Randy Hegwood, CMCA........................ 2010Renaissance La Jolla Community Association .......................................... 2010ResCom Services, Inc. ............................2004Robert Donaldson ...................................1992Rodent Pest Technologies .....................1998Ron Parnes ............................................... 2010Roy Tobin ................................................. 2010RSI Roofing ..............................................2002Sam Dolnick .............................................1990San Carlos Cleaning Services Inc. .........2010Sandy Stites ............................................. 2010Servpro Industries ...................................2010Sheila Brustkern, CMCA ......................... 2006Sheri Griswold ......................................... 2010Solana Beach & Tennis Club ..................1990Steven Bennett, CMCA, AMS ...............2003Suite Cleaning ......................................... 2007Summit Property Management, Inc. .....1994Sunset Painting ........................................ 2002Suntrek Industries ...................................2011Susan Schwartz ........................................1990Tapestry Resorts ...................................... 2010Tina Rozycki, CMCA ...............................2008Tony Lopez ...............................................2010Transport Data Systems ......................... 2010Union Bank ..............................................2008Universal Protection Service .................. 2004Uptown District Owners Association .... 1990Valleycrest Landscape Maintenance .....2010Varsity Painting ........................................ 2009Villa Monte Vina HOA ............................2010Village Park Recreation Club #3 ............ 2010Western Gardens Landscaping, Inc. ..... 2006William Haifley, CMCA, AMS, PCAM ...2006

January/February/March 2011

Renewing Members

S U M M E R 2 0 1 1 • C O M M O N A S S E S S M E N T M A G A Z I N E


Who Owns My Mortgage? [Revisited]

Due to issuance of sub-prime

mortgages changes in the

mortgage market occurred.

Homeowners must be very vigilant when

working with their mortgage lender or

service agent. There are many pitfalls to

avoid. But first a little background.

The May/June 1995 issue of

Common Assessment contained a

Homeowners’ Corner article on “Who

Has My Mortgage? This is now being

revisited as there have been many

changes in the recording of trust deeds

by many of the originators providing

mortgages to homeowners. This is

causing much confusion, especially

when mortgages are foreclosed.

The homeowner real estate bubble

that broke in approximately 2007, has

been investigated, not only as to the

cause, but also to the fall out. This

article will deal with the fall out only.

Prior to 2000 knowing who the

mortgage lender and/or servicing

agent was not too difficult. When a

homeowner bought a home, a grant

deed, quit-claim deed, or other similar

type of deed, was recorded in the

County Recorder’s Office in the county

where the home was located. This

grant deed was assigned a recorder’s

document number. If the home was not

paid for in cash, but a mortgage was

purchased, the lender, or originator

of the mortgage, recorded a deed of

trust in the same Recorder’s office. The

document number for this deed of trust

was immediately following that of the

grant deed on the property. At times the

mortgage lender would service his trust

deed, at other times the lender would

assign the servicing of the trust deed to

an agent. The trust deed contained the

name of the lender, the amount of the

mortgage, and the maturity date of the

loan.

Should the homeowner refinance

the mortgage to obtain a lower interest

rate or for some other reason, a new

deed of trust was recorded giving the

name of lender, be it the same one or a

new one. In many cases the new lender

did not service the refinanced mortgage

but allowed the prior lender to do so

or assigned the mortgage to a new

servicing agent. It should be noted at

this time that the servicing agent was

not the lender (owner) of the mortgage

and had no voting power when the

lender had to vote on the amendments

when the Covenants, Conditions and

Restrictions (CC&R) had to be amended.

Usually at least 75% affirmative votes

were necessary by the lenders for the

document to be amended.

Many of the mortgages were bought

by the Federal National Mortgage

Association (Fannie Mae), the Federal

Home Loan Mortgage Corporation

(Freddie Mac) or the Government

National Mortgage Association

(Ginnie Mae). The federal government

guaranteed the principal and interest

mortgage payments bought by these

three organizations.

Homeowners’ Corner


Readers of this column are encouraged to send their opinions on the above and suggestions for future columns to samdolnick@

juno.com or by phone, 619-697-4854. Sam Dolnick has served as president of his association, is a former homeowner representative of the San Diego Chapter Board of Directors, former homeowner trustee of CAI National, and former director of the CAI Foundation for Community Association Research. He is currently homeowners’ delegate on the California Legislative Action Committee, and president of the Baker/Dolnick Education Foundation.

Guest articles are always welcome!


Angelus Waterproofing & Restoration ....... 1/11Association Capital Bank, a Division of Texas Capital Bank ............................... 1/11Ben's Asphalt, Inc. ....................................... 2/11Carriage Square Estates HOA .................... 1/11First Associations Bank ............................... 2/11Kasdan, Simonds, Weber & Vaughan, LLP 2/11La Jolla Village Southpointe HOA ............. 2/11McClure Management, Inc. ........................ 3/11MeterNet ...................................................... 1/11NK Towing and Road Service ..................... 3/11Rancho Hills Landscape, Inc. ...................... 2/11San Diego Roof Doctor ............................... 2/11Sharon Fortmueller ...................................... 3/11Sherwin-Williams Company ........................ 3/11Susan Roman Alvarado ............................... 1/11Tamarack Pool Center ................................. 3/11Tom Freeley .................................................. 2/11

January/February/March 2011

New Members

Because of the sequence of events

described above it was fairly easy for the

homeowner to know who the lender was,

who had the legal right to foreclose on

the property should mortgage payments

become excessively delinquent, and who

had the right to vote on amendments.

However, with the breaking of the

real estate bubble, because of sub-prime

mortgages, this process became more

complicated. Banks and private firms, as

originators, began to place a great number

of mortgages into what became known

as mortgage-backed securities (MBS).

These pooled mortgages were sold on the

securities markets as bonds to financial

institutions and private individuals. It

became impossible to know who owned

the mortgage on a particular home as

there may have been multiple owners,

each with a small portion of the mortgage.

These pooled mortgages would be

serviced by the originator of the pooled

mortgage who then collected a monthly

fee for doing so. The originator of the

pooled mortgage could sell the rights to

service the mortgage to a third party as

there was and is a market for such servicing

rights.1

Starting in the early 2000s, private label

MBS were issued with little or no credit on

pools of these risky sub-prime mortgages

and these MBS posed significant credit

risk. Volume of these risky instruments

grew rapidly until 2007, when defaults

accelerated and the market values of the

instruments plunged.1

Now we come to the scary part: the

recording of the deed of trust. “One of the

critical components of the securitization

[MBS] system is Mortgage Electronic

Registration systems (MERS) created in

1990s, which made it legally possible to

reassign underlying mortgages without a

cumbersome recordation process in county

court as customary required. Indeed, since

every time a financial instrument containing

mortgages is sold, every mortgage (deed

of trust) and note (obligation to pay the

debt) presumably have to be re-recorded

in US County courts and recordation

fees have to be paid. So, the financial

industry, eager to trade in mortgage based

Securities, needed to find a way around

those recordation requirements. And this

is how MERS was born to replace public

recordation with a private one. The MERS

legal stance is currently widely challenged,

with focus on legal inconsistencies, which

originally looked trivial, but in fact may

reflect the complete dysfunction within the

entire mortgage securitization approach

itself and therefore have a profound impact

on financial system.”2

Note the italized sentence in the last

paragraph. Any homeowner who bought

a CID or refinanced their mortgage in the

past five years should double check to

see whether or not their deed of trust is

recorded in the County Recorder’s Office

HOMEOWNERS' CORNERContinued from page 27

Welcome to CAI-San Diego! You've joined a premier organization dedicated to the betterment of common interest communities.


of the county in which the property is

located. If not, then there may be a private

recording and it may be difficult to find

who owns the mortgage. Knowing the

owner of the mortgage is important in case

of a foreclosure, or if there is some other

question in regard to the sale of the unit or

lot, or it is necessary for the owner of the

mortgage to vote on CC&R amendments.

Also there should be no confusion

between the owner of the mortgage and

the agent who is servicing the loan.

And finally, an article by Kenneth

Harney, real estate expert, who appears

each Sunday in the San Diego Union-

Tribune, writes “When you take out a

home mortgage, do you expect to be

treated fairly and competently by your

bank or loan service? Most likely you do.

But the widely publicized ‘robo-signing’

and foreclosure scandals suggesting that

for thousands of homeowners, fair dealing

and competence have not been routinely

available at some of the largest mortgage

servicing operation in the country.”3

The issuance of sub-prime mortgages

and the resulting break of the real estate

bubble has caused so much trouble,

and unfortunately will continue to have

repercussions for many years to come.

60 Minutes correspondent Scott Pelley

recently reported on two stories “The

Next Housing Shock" and "Mortgage

Mess: Do you really know who owns

your mortgage?" The amount of fraud

uncovered was devastating. If you would

like to see that story, go to www.cbsnews.

com/video/watch/?id=7361572n&tag=cont

entMain;contentBody

1 Google on Mortgage-Backed Securities, www. riskglossary.

com/articles/mortgage_backed_security.htm

2 www.en.wikipedia.org/wiki/Mortgage-backed_security

3 Kenneth Harney, “Borrower’s bill of rights on mortgage

servicing would change the game,” San Diego Union-Tribune,

March 20, 2011, Business Section, C-1.

CommerCial landsCape maintenanCe speCialistsserving san diego for over 30 years

driven by results & passionate about proaCtive improvements

• landscape maintenance• Water Conservation &

management• design & installation• Complete irrigation services• tree & shrub Care• integrated pest management• fertilizer & soil analysis

619.579.9151 • fax 619.461.0814www.labahns.com

5000 Thorne Dr., Ste. F • La Mesa, CA 91942licensed/Certified for smart Controllerinstallation & maintenance


Cyndi Koester, PCAM – PresidentCyndi is the AVP, Regional Account Executive for Southern California with Mutual of Omaha Bank. Cyndi joined Mutual of Omaha Bank in January 2005 where she primarily does sales

and marketing for the HOA Division. Prior to joining Mutual of Omaha Bank, Cyndi served as Director of Education/Membership for CACM.

Cyndi has been involved in the CID industry since 1980 including portfolio and on-site management. In addition, she was the general manager for a large management firm in Irvine, CA. Cyndi has also served on the board of directors for the Coachella Valley Chapter of CAI as President. Cyndi is a frequent speaker for CAI and CAI National and a CACM Faculty Member.

Cyndi earned her CMCA, AMS, PCAM designations through CAI and has previously held a CCAM for 16 years.

Louise Stettler – President ElectLouise Stettler has been with the Law Firm of Epsten Grinnell & Howell, APC for 11 years. She is currently serving with the San Diego Chapter of CAI on the Board of Directors, Membership

Committee, Golf Committee, Monte Carlo and Common Assessment magazine committee. She was awarded San Diego Chapter Member of the Year, Committee Member of the Year, and the President's Award. In Coachella Valley she has served on the Board of Directors, was recipient of the Member of the Year Award, President Awards.

A former elementary school teacher, Louise is a graduate of St. John's University, Jamaica New York.

Rick Salpietra – Vice President Richard Salpietra is an attorney and member of the Executive Committee of Community Associations Institute, San Diego Chapter. He is a member of the College of Community

Association Lawyers (CCAL) and a member of the National Board of Trustees. Having been a member of the San Diego Board of Directors from 1999 to 2002, and 2008 to the present, he was Chapter president in 2003 and 2009. He has served on the Monte Carlo, Membership, Magazine, Day at the Races, Billiards, and Awards Banquet committees, as well as the CAI National Conference Committee. He has also been a Director of the Baker-Dolnick Education Foundation. In 2004, Mr. Salpietra was awarded CAI–San Diego Chapter's Sam Dolnick Lifetime Achievement Award for his extensive service to the Chapter.

Marie Donovan - Secretary Marie Donovan has served on CAI’s Educational Services Committee for almost 8 years. Marie has a work background of over 30 years industrial engineering experience in project management and

process improvement/management in banking and aerospace. She also has had over ten years experience serving as president, vice-president and director at two homeowners associations, where she introduced structured strategic planning and project management principles to conduct business and accomplish association objectives.

Tina Rozycki – TreasurerTina Rozycki is Vice President of Property Management at Curtis Management Company in San Diego and has been involved in community management since 1989. Tina has served on chapter

committees including the CLAC Committee, and the Magazine Committee. Tina is also active in her community while serving on the Board of Troop 1212.

Chris Hodge, PCAM – Immediate Past President

Chris Hodge is President of Elite Community Management in Rancho Bernardo and has been involved in community management since

1987. Chris has served on various chapter

2011 Board of Directors

WARD & HAGEn LLP

Serving HOA Clients Throughout San Diego County

858.847.0505 www.wardhagen.com

Contact: Kirk Yake440 Stevens Avenue, Suite 350Solana Beach, California 92075

HOA General CounselInsurance Issues

Construction DisputesLitigation

Mediation/Arbitration Collections


committees throughout his many years of involvement, including the CLAC Committee, Managers Breakfast Committee and Membership Committee. He served as the Chapter’s President in 2002 and received his PCAM in 2008.

Kerry Beatty, PCAMKerry Beatty is the Managing Partner of Packard Management Group with over 15 years experience in all phases of common interest developments. Kerry has also worked as a Director in the San Diego division

of a large national homebuilder and established the DRE and HOA Services Department for the builder, which worked with all new communities, including mixed-use projects in the urban environment. She has acquired particular expertise in common area turnover and transition and fire protection and life and safety issues. At PMG, Kerry oversees the operations of the Association Management Division, business development and for setup/transitioning for all new communities.

Jim Fraker, CCAM, PCAM Jim Fraker, CCAM, PCAM, has been in the property management business 32 years and with Professional Community Management (PCM) for 25 years. Jim’s position of Vice President includes

supervising ten community managers who manage fifty-five homeowner associations. Jim is a CAI San Diego Board member and just for fun is a member on his own association’s board. Jim is originally from Michigan and obtained his BA degree in Economics at the University of Michigan (Go Blue!). In his spare time, Jim enjoys outdoor activities such as hiking and golf.

Elizabeth French, Esq.Elizabeth A. French is a Partner in the law firm of Green Bryant & French, LLP. Her practice emphasizes the representation of community associations in all aspects of the law. Ms. French is also experienced in representing

individuals in tort and personal injury actions. Further, Ms. French is experienced in advising and representing employers in all aspects of employment law.

Ms. French earned a bachelor of arts degree in psychology from St. Mary’s College of Notre Dame, Indiana in 1990. In 1993, Ms. French earned her juris doctor degree from Gonzaga University School of Law in Spokane, Washington. In addition to graduating in the top tier of her class, Ms. French was active and successful in the moot court program at Gonzaga University.

Elaine GowerElaine Gower is the Business Development Liaison with Dicks, Coglianese, Shuquem. Elaine has over nineteen years of experience in the legal industry. Elaine obtained her marketing degree from University of

California at San Diego Extension in 2004. Elaine is an active member of both the

California Association of Community Managers (CACM) and the Community Associations

Institute (CAI) and currently serves as the Education Services Committee Chair and on the CAI San Diego Board. Elaine is also a member of the American Marketing Association, UCSD Alumni Association, is a Founding Board of Director Member of Concerned Athletes Foundation in conjunction with Challenged Athletes Foundation and Operation Rebound. Elaine devotes much of her time to triathlon training, competing on behalf of the Challenged Athletes Foundation.



Co-Lee Grev, PCAM

Ms. Grev’s bio was not available at press time.

Becky Groenewold, PCAMBecky has over twenty years experience in the housing industry. She joined PCM in 1999 and was promoted to on site management in 2005. She is currently the General Manager of a master planned community in Oceanside. Becky

has been actively involved in the chapter, currently serving on the CAI Board, and also serving as Co-Chair on Monte Carlo Committee, and Chair of Membership Committee for two years and Public Relations Committee member.

Jason PayneJason Payne is the Vice President of Operations at Payne Pest Management, Inc. which currently serves San Diego, Orange, Los Angeles and Ventura counties. In 2007 Jason joined the CAI San Diego Chapter and started building relationships within the

CID industry. In 2009 he became a Board Member of the San Diego Chapter. Jason holds a Bachelors of Science Degree and a Masters in Business Administration. He is also currently licensed as a Field Representative in Branch II (general pest control) and Branch III (wood destroying pests and organisms) with the State of California Pest Control Board as well as a QAL (qualified applicator license) with the Department of Pesticide Regulation.

Shannon SmithShannon Smith is the Business Development Director for Reconstruction Experts, Inc., one of the leading general contractors in Southern California specializing in HOA reconstruction. She is an active member in CAI and CACM

and sits on the Education Committee and Billiards Committee for the San Diego Chapter. She has been a member of CAI San Diego for two years and joined the Board of Directors in 2011. Shannon graduated Cum Laude with a Bachelor of Arts degree in Psychology and German from California State University, San Marcos.

Karina Tatum Karina Tatum is the President of S.D. Preferred

Property Managers and has been involved in the community association circuit for over six years. She participates in CAI and is a member of the Education Services Committee, the Public Relations Committee, the Day at the Races Committee and the Billiards Committee. She enjoys the everyday challenges that come with managing homeowners associations as well as volunteering her time to CAI and staying active in committees.

Providing Community Associations with Insurance Solutions

23651 Birtcher Dr., Lake Forest, CA 926305055 Avenida Encinas, Suite 100, Carlsbad, CA 92008800.989.7990 phone949.586.9877 fax

BERG INSURANCE AGENCY, INC.

2011 BOARD OF DIRECTORSContinued from page 31


• DECK RECONSTRUCTION (DRY ROT, STUCCO)

OVER 5 million square feet of Deck Coatings and Waterproofing-Installed, Repaired and

Rehabilitated

Call: 888-388-WICR (9427) www.wicr.net

"Why see the generalist when you can see the SPECIALIST ?"

BEST SERVICE

• BELOW GRADE OR PLANTER WATERPROOFING

BEST PRICE

• DECK COATINGS (MAINTENANCE AND REPAIR)

Voted Best In our Class!

Proud recipient of two SDCAA 2009 Mark of Excellence Awards

License No. PPO 15264


Serving Community Associations Since 1983Landscape Maintenance & Installation

Irrigation Services & Water ManagementExperienced, Certified, Knowledgable Staff

CLCA Certified Water ManagersCertified Landscape Technicians (CLT)

ISA Certified Arborists

phone 800-439-9962 • fax 619-390-0865www.pacificGreenLandscape.com

CA State Contractors License #462677

619-595-3166www.fentongrant.com

Association Bank Services Specialized Banking Services For CommunityAssociations and Management Professionals

Operating and Reserve Checking With No Monthly Service Charges Automated Lockbox Services, Online Payments, ACH Business Online Banking Remote Deposit CDARS* Placement Services Association Loans Simplified Association Signature Cards Experienced Association Bankers

www.FirstBankHOA.com *CDARS is a service mark of Promontory Interfinancial Network, LLC. FDIC Insured up to $50 million per Tax ID.

Jan Hickenbottom PCAM, CCAMVice President

4301 MacArthur Blvd. Newport Beach, CA 92660

(800) 848-6771

Member FDIC

CAI-SAN DIEGO MORNING EDUCATIONAL PROGRAM

Board Fundamentals

Two Dates! Two Locations!

June 18 ProgramCourtyard by Marriott

8651 Spectrum Center Blvd.San Diego, CA 92123

July 16 ProgramMelrose Event Center

2215 S. Melrose Dr., Ste 104Vista, CA 92081


SAN DIEGO 2011 CAI-CLAC HONOR ROLLBy Sam Dolnick, CAI-CLAC Delegate-at-Large

The CAI-CLAC Honor Roll is being presented for the third year. All individuals involved in common interest communities, whether they are associations, homeowners, professionals, managers or business partners, who have contributed funds to CAI-CLAC in 2011 to assure that our voice is heard in the halls of the California legislature are to be congratulated. CAI-CLAC monitors legislation regarding common interest developments (condominiums, planned developments, stock cooperatives and community apartment projects) that the legislators are asked to deliberate and vote upon each year. The San Diego Chapter reached its 2010 goal of $28,528. A heart felt thanks to all contributors.

ABSOLUTELY NO FUNDS are given to any political party or to any candidate. All funds are used solely for issue oriented legislation affecting CIDs. However, our legislative advocate must be paid and items like stamps, stationery, phone calls, rent, maintenance of web site and other similar expenses must be paid.

Our thanks to the following contributors from January 1 to March 31, 2011.

2011 Goal = $28,115$5,243 Collected to Date

Sam Dolnick

Andalucia Town Homes HOALisa Isaacson, AMS CCAM

Calle Ryan HOAPaul Zenner

Carmel Trails HOA Walters Management

Coronado Shores Condo Assn #6Jim Liese CMCA AMS CCAM

Fairfield HOA Fairway Pointe OAElite Community Mgmt

Il Palio HOALisa Isaacson, AMS CCAM

La Jolla Soledad West HOALisa Isaacson PCAM CCAM Masters Hill OA

Elite Community Mgmt

Ocean Terrace HOAFrank Lombard

Playmor Bernardo HOAEd Roth, PCAM CMCA

Riviera Del Mar Arch. Comm. CorpHelen Kaufmann

Rock Springs East C.C.A.Elite Community Mgmt

S.B.S Lien ServicesMitch Willet

Seven Oaks Mgmt Corp #4Gerie Vellios

Stoneridge Chateaus Elite Community Mgmt

Vermont Villas Condo HOADawn Walters

Villa Marbelle HOARobert Donaldson

Village Park Townhome Corp. #3Liz Beiner

Woodbridge Estates HOALisa Isaacson, AMS CCAM

Woodcrest Heights HOAElite Community Mgmt

AssociAted ProfessionAl servicesThe Management Alternative

Providing cost-effective, efficient Accounting Services for:

• Self-Managed Homeowners associations• Associations Employing an On-Site Manager• Portfolio Managers

Call Neal Chazin (619) 299-6899


What’s Coming Up

June 23-25 CEO-MC Retreat Salt Lake City

The CEO-MC Retreat is an executive education program developed exclusively

for senior executives in the community association industry. As a decision maker in the

business of community association management, your actions and choices affect the 60

million Americans who reside in more than 300,000 association-governed communities.

Your participation in this event brings you face to face with industry experts, engages

you in high-level, facilitated discussions about key topics and broadens your network

with other senior executives. Most importantly, it strengthens your business development

opportunities by updating you on the latest management and technology trends,

introducing you to resources that can improve your bottom line and prepare you for

challenges in the highly competitive community associations market.

July 15 Morning ProgramGetting the Most Out of Your Membership

Learn how to get the most for your money out of your CAI membership. As a manager,

learn about networking, learning about the latest trends, getting certified and increasing

education, as a Homeowner/Board Member learn about the value of the magazine,

directory, and Board Education opportunities, and as a Business Partner learn about the

value of committee membership, Mini-Trade Shows, advertising and how to connect with

your clients. As a group, learn about the dynamic between each membership classification,

and the “proper care and feeding” of each other. This program is a great opportunity to

increase your effectiveness!

August Day at the RacesIt sells out every year! A wonderful day

at the Del Mar Races, with a delicious buffet

and plenty of time to interact with everybody

present. Get ideas for bets on horses, chat

about your favorite jockey outfit, or just enjoy

the beautiful Del Mar air! It’s a perfect Day at

the Races!

August 26 – Trade ShowCybercrime and Embezzlement

With technology so prevalent in all of our lives, we need to be aware of the dangers

that come along with it. Hear about the different crimes being committed today and how

your association can be prepared!

A QUICK REFERENCE GUIDE TO THE CHAPTER'S UPCOMING EVENTS

Thank You to our February 4th Trade Show Exhibitors

Accurate Termite & Pest Control

Advanced Painting and Wood Repair

Agricultural Pest Control Services

Angelus Waterproofing & Restoration

Animal Pest Management

Arborwell

Artistic Maintenance, Inc.

AV Builder Corp.

Ben's Asphalt, Inc.

Bob Piva Roofing

Brinks Services

California West Patrol

Del Mar Pacific General Contractors, Inc.

Dunn-Edwards Corporation

Emercon Construction

Epsten Grinnell & Howell, APC

First California Bank

Green Valley Landscape & Maintenance, Inc.

Interiors: By Design

JW Cleaning & Restoration

LaBahn's Landscaping

Landsystems

Mailboxes 'R' Us

MeterNet

Mt. Helix Pest Control

New Way Landscape & Tree Services

Nu Flow America

O'Connell Landscape & Maintenance

Pacific Western Bank

Payne Pest Management

Personal Touch Cleaning & Maintenance, Inc.

Premier Roofing CA

PrimeCo Painting & Contruction

Reconstruction Experts, Inc.

Rodent Pest Technologies, Inc.

RSI Roofing Services, Inc.

Servpro of La Jolla

Silldorf & Levine, LLP

Sky Security Services

Steven Smith Landscape

Summit Security

Three Phase Electric

Transport Data Systems

US Bank

Western Towing

WICR


around san

diego

A full service law firm dedicated to representing

community associations

Experience you can rely on...People you can trust

Encinitas Office

(760) 436-3441Desert Office

(760) 773-4463www.hoalaw.com [email protected]

&ATTORNEYS AT LAW

PETERS FREEDMAN,L.L.P.

MORNING PROGRAM – SAN DIEGO

Epsten Grinnell & Howell, APC

N.N. Jaeschke, Inc.

O’Connell Landscape Maintenance

Pacific Western Bank

ProTec Building Services

SBS Lien Services

AFTERNOON PROGRAM – CARLSBAD

American Geotechnical, Inc.

G4S Secure Solutions, Inc.

Keith Monroe & Company

Prendiville Insurance Agency

ServPro Industries

Universal Protection Service

Cat Coltrell, CMCA, PCAM

has joined First Association

Bank as its Senior Vice President

of Marketing and Business

Development. A community

manager from 1987 through

2004, Cat's PCAM credential

gives her a unique advantage

in serving the bank’s clients as

a peer.

Alan D. Seilhammer comes

to First Association Bank as one

of the leading lenders in the

country specialized in providing

financing to the community

association industry. In his prior

position, he developed the first

community association loan

program delivered nationally

that was state specific.

RSI traveled up to the NRCA’s

International Roofing Expo held

up in Las Vegas, NV to celebrate

Frank Delgado winning an

MVP Award for “Outstanding

on the Job Performance.” Out

of thousands of candidates

nationwide, Frank was chosen

based on his leadership,

quality of work, experience and

dedication to the industry.

Thank you to our March 2nd Educational Program Sponsors


ACCOUNTANTSSonnenberg & CompanyLeonard Sonnenberg ............... 858-457-5252 fax 858-457-2211 [email protected] www.sonnenbergcpas.com

ARBITRATION & MEDIATION Mediation SolutionsMary Delmege .......................... 760-504-7977 fax 760-745-6131 [email protected] www.marydelmege.com

ATTORNEYSAnderson & KrigerJanet Wilcox ............................. 619-589-8800 fax 619-464-2600 [email protected] www.a-khoa.com

Epsten Grinnell & Howell, APCJon Epsten, Esq. ...................... 858-527-0111 fax 858-527-1531 [email protected] www.epsten.com

Fenton Grant Mayfield Kaneda & Litt, LLPKaty Krupp ................................ 949-554-0700 fax 949-554-0707 [email protected] www.fentongrant.com

Greco Traficante Schulz & Brick, APCPeter Schulz .............................. 619-234-3660 fax 619-234-0626 [email protected] www.gtlaw.cc

Peters & Freedman, LLPDavid M. Peters ........................ 760-436-3441 fax 760-436-3442 www.hoalaw.com

Law Offices of Richard SalpietraRick Salpietra ............................ 858-756-2233 fax 858-759-9938 [email protected] www.salpietra.com

ATTORNEYS CONT'DWard & Hagen, LLPKirk Yake .................................... 858-847-0505 fax 858-847-0105 [email protected] www.wardhagen.com

BUILDING MAINTENANCE PROGRAMSProTec Building Services, Inc.Julie Villeli ................................. 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

COMMUNITY ASSOCIATION MANAGEMENTAssociated Professional ServicesNeal Chazin .....................619-299-6899 x101 fax 619-299-8242 [email protected] www.apsmanagement.com

S.H.E. Manages Properties, Inc.Karen Martinez, CCAM..........................................619-291-6300 x 320 fax 619-291-8300 [email protected] www.shemanages.com

Walters ManagementJoe Farinelli .............................. 858-495-0900 fax 858-495-0909 [email protected] www.waltersmanagement.com

Curtis Management CompanyPatrick S. Campbell, CCAM ...... 877-587-9844 fax 858-587-9972 [email protected] www.curtismanagement.com

CONSULTINGCurtis Management Company Patrick S. Campbell, CCAM ...... 877-587-9844 fax 858-587-9972 [email protected] www.curtismanagement.com

CONSTRUCTION MANAGEMENTSullivan Construction ManagementPat Sullivan ................................ 619-722-7580 fax 866-306-6804 [email protected]

DECKING & DECK COATINGProTec Building Services, Inc.Julie Villeli ................................. 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

WICR, Inc.Kelly Durham ............................ 760-327-8641 fax 760-327-8642 [email protected] www.WICR.net

EMERGENCY RESTORATION SVCS.Clean Earth RestorationsRachel Roberts ......................... 619-284-4239 fax 619-284-4279 [email protected] www.cleanearthrestorations.com

FACILITIES ENGINEERINGProTec Building Services, Inc.Julie Villeli ................................. 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

FENCING/GATESFenceworks, Inc. Tom Barrett ............................... 760-724-8131 fax 760-724-2513 [email protected] www.fenceworks.us

ProTec Building Services, Inc.Julie Villelli ................................ 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

FINANCIAL SERVICESFirst BankJan Hickenbottom ................... 800-848-6771 fax 949-477-0255 [email protected] www.FirstBankHOA.com

Mutual of Omaha Bank / CondoCertsCyndi Koester ........................... 949-235-8498 fax 888-493-1973 [email protected] www.cabanc.com

Pacific Western BankKen Carteron ............................ 760-432-1335 fax 760-432-1339 [email protected] www.pwbonline.com

Service DirectoryDisplay advertisers receive a complimentary listing in the Service Directory.


FINANCIAL SERVICES CONT'D.Popular Association BankingLarry Hooper ............................. 714-864-5171 fax 714-864-5190 [email protected] www.bpop.com

Union BankMichelle Hill .............................. 800-669-8659 fax 951-281-1449 [email protected] www.unionbank.com

MAINTENANCE & REPAIRProTec Building Services, Inc.Julie Villeli ................................. 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

GENERAL CONTRACTORSDel Mar PacificMichael Bruce ........................... 858-792-1500 fax 858-792-0076 [email protected] www.delmarpacific.com

ProTec Building Services, Inc.Julie Villeli ................................. 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

GRAFFITI REMOVALProTec Building Services, Inc.Julie Villeli ................................. 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

INSURANCEBerg Insurance AgencyKimberly Lilley, CMCA, CIRMS ...800-989-7990 fax 949-586-9877 [email protected] www.berginsurance.com

JANITORIALProTec Building Services, Inc.Julie Villeli ................................. 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

LANDSCAPE MAINTENANCE AND/OR CONSTRUCTIONLaBahn’s LandscapingMichael Salsberry ..................... 619-579-9151 fax 619-461-0814 [email protected] www.labahns.com

LANDSCAPE MAINTENANCE AND/OR CONSTRUCTION cont'dPacific Green Landscape, Inc.Stephanie Lundstrom .............. 619-390-9962 fax 619-390-0865 [email protected] www.pacificgreenlandscape.com

Steven Smith LandscapeGigi Golden-Smith ................... 760-745-9916 fax 760-745-1982 [email protected] www.stevensmithlandscape.com

LIGHTINGProTec Building Services, Inc.Julie Villeli ................................. 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

PAINTING CONTRACTORSPro-Tech PaintingChris Cena ................................ 858-527-0200 fax 858-527-0220 [email protected] www.pro-techpainting.com

PEST CONTROLPayne Pest ManagementJason Payne .............................. 858-277-2228 fax 858-277-2212 [email protected] www.paynepestmgmt.com

PLAYGROUND AUDITS & INSPECTIONSProTec Building Services, Inc.Julie Villeli ................................. 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

RAINGUTTER/DOWNSPOUT CLEANINGProTec Building Services, Inc.Julie Villeli ................................. 858-569-1080 fax 858-569-1088 [email protected] www.goprotec.com

RESERVE STUDIESAssociation Reserves San Diego LLCMatthew Swain, RS .................. 619-567-5239 fax 619-568-3564 [email protected] www.reservestudy.com

Sonnenberg & CompanyLeonard Sonnenberg ............... 858-457-5252 fax 858-457-2211 [email protected] www.sonnenbergcpas.com

ROOFINGPremier RoofingBill Capito ................................. 619-667-4565 fax 619-667-1281 [email protected] www.premierroofingca.com

SECURITY SERVICESBald Eagle SecurityDmitriy Todorov ........................ 619-230-0022 fax 619-230-6610 [email protected] www.baldeaglesecurity.com

TOWINGWestern TowingKathy Tighe ............................... 619-297-8697 fax 619-296-2822 [email protected] www.westerntowing.com

WATER SUBMETERINGCalifornia Sub-Meters Robert Anaya ............................ 858-571-8999 fax 858-571-4470 [email protected] www.calsubmeter.com

1081 Camino del Rio SouthSuite 207San Diego, CA 92108

BronzeAnderson & Kriger

Artistic MAintenAnce

AssociAtion reserves sAn diego, LLcAv BuiLder

Berg insurAnce Agency

cLeAn eArth restorAtions

eMercon construction

FeinBerg grAnt MAyFieLd KAnedA & Litt, LLPinteriors: By design

LABAhn’s LAndscAPing

LAndsysteMs, inc.LAw oFFices oF richArd sALPietrA

MAster PLuMBing & LeAK detection

Mt. heLix Pest And terMite controL

new wAy LAndscAPe & tree service

o’conneLL LAndscAPe

PAciFic green LAndscAPe

PAtio guys

reconstruction exPerts

rodent Pest technoLogies

sBs Lien services

serviceMAster By rAPid resPonse

sKy security services

us BAnK

westturF LAndscAPe MAnAgeMent

CAI-SAN DIEGOMarketing Plan MeMbers

BRONZE

Accurate Termite & Pest Control

Arborwell

Artistic Maintenance

Association Reserves San Diego, LLC

AV Builder Corp.

Bald Eagle Security Services

Berg Insurance Agency

Clean Earth Restorations

Emercon Construction

Fenceworks, Inc.

Fenton Grant Mayfield Kanada & Litt, LLP

First Bank Association Services

First California Bank

LaBahn’s Landscaping

Law Offices of Richard Salpietra

Master Plumbing & Leak Detection

Mt. Helix Pest & Termite Control

New Way Landscape & Tree Service

O’Connell Landscape Maintenance

Payne Pest Management

Personal Touch Cleaning & Maintenance, Inc.

Popular Association Banking

ProTec Building Services

Pro-Tech Painting

Reconstruction Experts

SBS Lien Services

ServPro of La Jolla

Sullivan Construction Management

Summit Security

Union Bank

US Bank

Anderson & KrigerAnimal Pest Management

Landsystems, Inc.Mutual of Omaha Bank/CondoCerts

Park West Landscape Maintenance Inc.Premier Roofing CA, Inc.RSI Roofing Services, Inc.

Western Towing

GOLD

PLATINUM

Marketing Plan MeMbers2011

Peters&Freedman, L.L.P.attOrneYs at LaW

Common Assessment Magazine April May June 2011

Documents

Transcript of Common Assessment Magazine April May June 2011