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Aging Communities: Has your community had a check up lately? Florida Wire The West $9.95 Non-Member Price September 2010 West Florida’s Resource for Condominium, Cooperative & Homeowner Associations In This Issue: 2010 Community Association Bill 1196 CAI Goes Live CAI 2010 Spring Golf Tournament

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Page 1: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

Aging Communities: Has your community had a check up lately?

FloridaWireThe West $9.95 Non-Member Price

September 2010West Florida’s Resource for Condominium, Cooperative & Homeowner Associations

In This Issue:2010 Community Association Bill 1196CAI Goes LiveCAI 2010 Spring Golf Tournament

Page 2: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

2010

Sept

embe

r

The West Florida Wire | September 2010 �

The West Florida WirePublished by West Florida Chapter of Community Associations Institute ©2010

Views and conclusions expressed in this magazine are those of the authors and not necessarily those of The West Florida Wire, CAI Wire Committee, the West Florida Chapter or Community Associations Institute. The publisher and editors of this magazine do not accept responsibility for the content of any advertisement, including any statements made by advertisers herein or for any opinions expressed by authors of by-lined articles herein. The purpose of this magazine is to provide general information only. This magazine is not intended to provide specific advice or recommendations. Legal, financial, construction or other expert advice and assis-tance should always be sought from applicable professionals.

ARTICLE SUBMISSIONS: Send articles in Microsoft Word format to [email protected]

ADVERTISING: Contact Ed Tudor, Media Relations at 941-927-1910 or [email protected]

SUBMISSION DEADLINE: Please review the West Florida Wire Media kit available at www.caiwestflorida.org

CAI Wire Committee

Linda CavalieriKarins Engineering Group, Inc.

Jeff Whaley, EditorAquatic Systems Inc.

Nate YoderMullets Aluminum Products Inc.

Janet Romano Florida Shores Bank

Brian Palmer CPA

Jason Hamilton, CPPALERT Protective Services.

Brian Hartsell, CMCA Lighthouse Property Management Inc.

Suzanne TeicherTropex Plant Leasing

Design Marketing Group, Inc. Responsible for content layout, design, production and fulfillment.

5 Letter From The Editor 9 President’s Message 9 Meet A Board Member�7 Owners Forums�9 CAI Welcomes�9 New Member Orientation/Social Networking44 Calendar of Events45 Business Partner Forum49 CAI West Florida Chapter Sponsors51 CAI Outdoors54 CAI Breakfast Meetings

Departments

WireFloridaThe West

Features

101417182226�2�542

Heather BradleyFord Bradley P. A.

Cindy Hill FordFord Bradley P. A.

Clarifying the Managers Role

CAI Goes Live

Fannie Mae’s Florida Team Targets the Catch 22 Cycle

FHA Approves Associations Before Approving Residents

CAI Spring 2010 Golf Tournament

CAI 2nd Annual Beach Bash

The Self-Proclaimed Parliamentary Expert

2010 Community Association Bill 1196

Aging Communities: Has your community had a check up lately?

Joyce ClaeysNext Level Marketing

Tim KearneyBehr Paint Corporation

Page 3: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

5The West Florida Wire | September 2010www.caiwestflorida.org

Every issue of the West Florida Wire brings with it a new set of ideas and challenges. This issue seemed robust in both for some reason. Our committee always strives to provide useful content for all those who read the magazine including board members, managers, and business partners alike. We also do our very best to maintain the objectivity of CAI. Some of the comments we have re-ceived indicate that our readers are looking for something of greater substance to take away from the articles published here. We need your feedback for the kinds of articles you would like to see in the future.

In this issue we are covering topics that include legislative updates, aging buildings and communities, and as always the great events and gatherings of our chapter. We have also changed a few design elements to the layout of the magazine and we would love to hear from you if like them. Our “Where’s Bill” contest has been a huge success and this is the second to last time you will have the opportunity to find Bill and win. I will clue you in that finding him in this issue will be a little more challenging. Our last issue for the “Where’s Bill” contest will be printed for December.

As always, all of our content is made possible by the companies that provide their financial support through advertising and sponsorships. Please take an extra moment while reading this issue to note those supporters who make the Wire possible. I must also take pause to thank the members of our committee for all of their hard work and creative efforts in getting the job done. Ed & Vicki also make the “must thank” list. Ed steered the ship to completion and Vicki, well…need I really say anymore?

Editor’s tip: If you use Microsoft Outlook for your business and plan to purchase one of the new smart phones to help boost your productivity, make your choice carefully. Many of the new phones sync email and calendars nicely but require third party apps to sync MSO tasks properly, if at all. If you use the task feature of Outlook a lot, a little homework could save you $200.00 (or more) for a phone that may not fit your needs well.

Jeff WhaleyEditor in Chief “Great Caesar’s ghost!”

FromThe Editor

PresidentWilliam Sutton

Community AssociationManager

President-ElectEric Lawson

Business Partner

Vice PresidentRick Halloran

Business Partner

SecretaryGail Stephens

Homeowner/Board Member

TreasurerBrian Palmer, CPABusiness Partner

Pat Augustitus, CMCA, AMS, PCAM, CBA

Business Partner

Stephen DemchakHomeowner/Board Member

Ruth McLaughlinCommunity Association

Manager

Donnie MelendyCommunity Association

Manager

Telese McKay, Esq.Business Partner

Immediate Past President

David G. Muller, Esq.Business Partner

Mathew Wilson, CMCA, AMSCommunity Association

Manager

Executive DirectorVicki McClenathen

West Florida Chapter of CAI2010 Board of Directors Feedback

Page 4: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

9The West Florida Wire | September 2010www.caiwestflorida.org

As President of the CAI West Florida Chapter, I understand the numerous benefits of not only being a CAI mem-ber, but in the benefits that CAI offers all Board Members and Homeowners. CAI provides numerous free educational events throughout the year to help Associations

understand Florida Law, and other important topics. As we approach the New Year, some important changes have

been taking place at CAI. The Board of Directors has received the resignation of Steve Doores as President-Elect and from the Board. I would like to thank Steve for all of his dedication to CAI and wish him well in his future endeavors. Eric Lawson, who has served on the Board for 6 years, has been elected by our Board to become our 2010 President-Elect, and our 2011 President of CAI West Florida Chapter. We wish Steve all the best, and look forward to a successful year at CAI with Eric as the 2011 President.

In welcoming the many changes that are approaching, involvement in CAI and attending board member classes is crucial. CAI offers free reference materials to help Board Members and Homeowners become more effective within their Associa-tions. Education and Communication are essential, CAI is here to help.

Thank you,Bill Sutton

CAI is a national membership association that provides information, tools and resources to homeowners and professionals who govern and manage community and condominium associations. CAI members include community managers, volunteer community association leaders (homeowners) and business and professionals who support common-interest communities. More information about CAI can be obtained at www.caionline.org or by calling toll free (888) 224-4321. Visit our website at www.caiwestflorida.org.

Eric Lawson Eric Lawson moved with his family from

Connecticut to Sarasota in 1988. Since moving to the Suncoast, he has been involved in the paint industry for 21 years. Prior to his career at Scott Paint Company, Eric worked in a successful family owned painting and pressure cleaning business in

Sarasota. He has been with Scott Paint Company since 1994.Eric is currently serving his second term as a board

member at CAI. He has been involved in many committees including Business Partner Education, Golf Committee, Nominating Committee and Technology Committee. Eric was very recently elected as President-Elect and will serve as our President in 2011.

Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane. His hobbies include spend-ing time with his children, visits to the Blue Ridge Mountains, golf, motorcycling.

“Where’s Bill” ContestBill Sutton’s portrait photo was once again misplaced

during the publishing process for this issue of the Wire. We are pretty sure it is still located somewhere in here. If you can find him, be one of the first four readers to call the CAI office at 941.927.1910 with the correct page number of his portrait and win a $25.00 gift card. If you call after hours please be sure to leave your contact information. Contest open to members of CAI only. Hint: You are looking for a smiling picture of Bill facing the camera not an event photo of him. We want to congratulate Erin Morgan, Len Smally, Justin Patterson, Ed Zastudil and Steve Chernick (tie) who found Bill first in the June issue. Good Luck!

The

Ed TudorMedia [email protected]

The Staff of the West Florida Chapter of CAI

Vicki McClenathen Chapter Executive [email protected]

Cindi Bass Member [email protected]

PresidentsMessage Meet ABoard Member

Phone: 941-927-1910 | Fax: 941-927-1912

Page 5: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

10 The West Florida Wire | September 2010 www.caiwestflorida.orgwww.caiwestflorida.org

by David G. Karins, PE, President Karins Engineering Group, Inc.

Aging Communities: Has your community had a check up lately?

Page 6: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

11The West Florida Wire | September 2010www.caiwestflorida.org

Are you aging gracefully? Is your com- munity? We all know there are things we can do for our

bodies as we age like eating healthy, exercise, regular examination by doctors and other health professionals. When signs of distress appear, close examination becomes necessary. Communities are similar. Like our bodies, all building components deteriorate with time. Like our bodies, frequency and intensity of examination and intervention necessarily increase with age.

Due to various influences (including TIME) structures dete-riorate. Repeated use and loadings fatigue components over time lowering their capacity while exposure to the environment corrodes and erodes components.

• Moisture and environmental chemicals corrode iron based components like steel and

reinforced concrete. • Temperature extremes cause breakdown of various materials

through freeze/thaw effects. • Materials like wood and plastics break down when exposed to

ultraviolet radiation. • Exposure to extreme weather events may result in loads

exceeding original design loads.As a result of normal wear and tear or abuse building materials

deteriorate. Finishes and protective coatings are typically intend-ed to hold these at bay but often they are sacrificial and/or ablative and require regular maintenance. If maintenance is inadequate or deferred, deterioration may progress or even accelerate.

Left unchecked, deterioration may progress to the point of com-promising strength (the capacity of the structure to resist loads), stability (the ability of the structure to maintain equilibrium), ser-viceability (the usability of the structure) and appearance.

Plumbing Systems: These can sometimes be hidden time bombs. They are hidden behind walls and ceilings and often deteriorate with few paying any attention to the scope of a developing problem or the associated repair costs.

• Cast iron waste pipes and their integrated vents, like iron-based structural components, deteriorate due to exposure to environmental conditions. As the pipe walls corrode, scale can accumulate and block laterals, stacks and mains. Left un-checked, the corrosion can perforate or crack the pipe walls resulting in contamination of units with “black water” or raw sewage.

• Copper, lead or galvanized steel fresh water supply pipes also deteriorate due to corrosion. Deterioration is caused by environmental exposure, galvanic reaction, pH or other chemi-cal characteristics of the water, and by disinfecting chemicals.

Higher temperatures accelerate the corrosion rates. In addition to corrosion, calcium buildup can reduce flow or clog supply pipes and velocity induced erosion may shorten pipe system life.

Elevator Systems: These see constant use. Their control systems deteriorate through normal wear and tear. As technology and codes evolve and older parts become obsolete, they become more and more difficult to source. Code changes may require different dimensions or emergency management considerations. Cab finishes become worn and design tastes change over time.

Electrical and HVAC systems: the story is similar. Panel, pump, transformer, coils, cooling towers and many other components of these systems are placed in locations exposed to the environment. Vulnerable placement may be necessary for the function of the com-ponent, such as cooling towers, or due to space constraints and lack of adequate consideration by the original design team, such as some electrical panels. As these systems age and newer versions evolve, the original systems become incompatible with available parts and therefore obsolete.

How do we address the issue of aging buildings?Our buildings require additional attention as they age, just as

we do. This attention takes the form of maintenance and replace-ment of the various components of the building as capacities and/or usability of the component no longer meet the needs of the occupants. Effectively designing, systematically planning and efficiently sequencing of projects that accomplish these tasks is difficult and may be considered graceful aging when done well.

For our bodies, we seek expert help in understanding, plan-ning and executing these necessary tasks. The same is true for our aging communities and buildings! Expert help related to buildings is available from engineers, architects, accountants and other finan-cial service professionals. These professionals assist building owners, boards of directors and managers in developing and maintaining the plans for graceful aging.

What should be done to help buildings age gracefully?Graceful aging starts with an assessment of the community and its

buildings to understand its condition and needs. Assessments may include: evaluations of physical components,

finances, planning and exposure conditions. Data is gathered through visual observation, measurement, photographing, probing and sam-pling, field and laboratory testing, numerical analysis, record-keep-ing, and documentation. A Reserve Study may be performed that evaluates how planned expenditures and funding correlate with remaining life and cost data gathered in the assessment.

Continued on Pg 31

Page 7: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

The West Florida Wire | September 201014 www.caiwestflorida.org

Page 8: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

15The West Florida Wire | September 2010www.caiwestflorida.org

2010 CommunityAssociation Bill 1196- A Question of Substance and Significance

With over 100 pages, Senate Bill 1196 contains many corrections, clarifica-

tions and changes but the real questions is are the significance of the changes and their effect on improving the operation of Community Associations. As compared to the prior two years of vetoes (the third time is the charm), the Gov-ernor did actually sign this bill.

Though it may not have been all that we hoped it would be, at least this year something did pass. Again, the legislature chose to consolidate all proposed Community Association Bills into one. You should have seen all of the deletions, additions, compromises, disappointments and the number of escapes from disaster! Perhaps the reality of winning reelection or election to a new position can get things done. Key elements of the new law may be summarized as follows:

SPRINKLER SYSTEMS AND GENERATORS FOR ELEVATORS

1. Exempts structures less than four stories with exterior corridors.

2. Deadline for sprinkler retro fitting was moved from 2014 to 2019.3. Associations may “opt out” of retro fitting of unit and common areas by a majority vote of owners.4. Unit owners may opt out of requirement of a generator for elevators by a majority vote of owners.

CONDOMINIUM INSURANCE1. Corrects name for loss assessment coverage that is excess coverage over policy provisions.2. Requires replacement cost calculations to be determined every thirty-six 36 months.3. Removes detailed notice requirements but still requires insurance deductibles to be approved separately by the Board.4. Limits unit owner insurance to listed items located within the unit that serves only that unit.5. Removes language regarding insurance of “improvements”.6. Eliminates requirement that Association confirm proof of owner insurance as well as eliminates Association’s ability to “force place” owner unit insurance.7. Eliminates requirement that Association be a loss payee and additional insured on HO6 policy.

OFFICIAL RECORDS1. Limits Director Liability for destruction of Official Records to cases where there is intent to harm.2. Eliminates Association liability for misuse of information from Official Records.3. Exempts personnel records from Official Records.4. Exempts email addresses, telephone numbers, and emergency contact information and alternative addresses of owners from Official Records.

by Doug Wilson, CMCA, AMS, PCAMAMI-Advanced Management Inc., AAMC Florida Legislative Alliance Chapter Delegate

Continued on Pg 21

Page 9: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane
Page 10: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

18 The West Florida Wire | September 2010 www.caiwestflorida.org

CAI Goes Live!Could ya use some good news – NO,

some really GREAT news - I think I’ve got it for you!

CAI West Florida is moving into the leading edge of technology with the approval at the April Board meeting of the purchase of a new integrated membership and event planning software system. Let me tell you why it is great news for our members and prospective members, then I tell you how it all happened (I love a good story).

by Sue Shaw, CMCA, AMSUnion BankTechnology Committee Chairman

Page 11: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

19The West Florida Wire | September 2010www.caiwestflorida.org 19

Among the many new beneficial features, the new website will allow everyone, including non-member community members to search our membership database for potential business partners. If a community or manager wants a painter, our new website will allow someone to search our membership database either by name (if they remember someone’s name rather than the company) or for a specific type of vendor (they only want painters). While the directory list-ing for a member may be more comprehensive (personal informa-tion), the chapter has complete control over the information that is displayed in the directories. The membership directory on the new website is also printable – in whole or in part – so you can always have a current membership directory.

The member profile can be updated by the member, rather than having to call the CAI office. The profiles include being able to at-tach a photo – great way for our business partners to recognize each other – and the photo’s can be used at events for identification. All membership changes are still approved by the CAI chapter office team, but the new website lifts the burden of collecting the informa-tion and doing the actual updating.

Our new website has the capability for group registration for an event, the forms that will auto-fill with your information if you’ve registered before/are a CAI member. The website allows the CAI team to control capacities (we’ll know when events/sponsorships are sold out – as soon as it happens) and provide real time credit card acceptance that is both PCI and PA-DSS secure. Group reg-istration is made easy as is updating member information. The new system will also automatically update our online calendar of events and allow members to update both company and individual information online.

The annual trade show – more “good stuff.” When a vendor reg-isters for a booth an entire webpage goes with each booth. Anyone looking at the trade show floor displayed on the website can click on the booth and the vendor page will display. The page contains product information, contact information and has the ability to have a hot link to the vendor’s home page.

Whew…lots of new good stuff. Now for the story. The chapter Tech Committee – kudos’s to folks who did a

lot more than attend a monthly meeting - Clark Southworth, Dennis Hassel, Joyce Claeys, Nathan Coon and our Board liaison Eric Lawson were charged with finding a new website – one that offered lots more capability then the current site. Our investiga-tion revealed that the chapter needed “behind the scenes” software to allow the CAI staff to devote more time to strategic functions rather than administrative ones. We knew we wanted a system that was flexible, customizable and gave our members new features, benefits and information. We wanted to increase member and staff satisfac-tion at the same time increasing productivity without being priced way beyond what we felt was reasonable (many systems like the one chosen run well over $100,000) to ask the Board to invest. We created a checklist of features/functions the new software had to ad-dress. Then found 12 software providers that indicated their software might meet our needs. Reviewing all 12, we narrowed those down to 5 for first round demonstrations. After the initial demos the list was narrowed to two for final presentations. Ungerboeck, USI, software systems won that round. Because the system is web based, the CAI staff will have access to the software anywhere there is an internet connection. The transition to a new website started in June and will “go-live” for September. And the “story” continues - we’ll keep you posted as the new website and system get off the ground.Y

Page 12: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane
Page 13: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

22 The West Florida Wire | September 2010 www.caiwestflorida.org

Catch-22 Cycle

by Sheri Murrah, Fannie Mae

Fannie Mae’s Florida Team Targets the

Page 14: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

www.caiwestflorida.org The West Florida Wire | September 2010 2�

For condominium owners and associa-tion managers in Florida, it’s a classic

“catch 22” situation: association dues go unpaid because of vacant units and delinquent homeowners, caus-ing services to deteriorate because of weakened budgets, but attempts to sell vacant units to new owners – which could help restore the condo project to a healthy state – are stymied by limited availability of financing due to the vacancies, budget issues, and curtailment of services.

In today’s market, the majority of mortgage financing is pro-vided by lenders that rely on Fannie Mae and Freddie Mac as the ultimate investors in the loans, which means that the loans must meet their guidelines. Loans secured by a unit in a condo project, that are intended to be sold to Fannie Mae, must meet not only Fannie Mae’s general underwriting requirements, but also our project standards, such as minimum levels for presales (new projects) and owner-occupancy, documented reserves, and limits on the number of owners delinquent in paying their association dues.

Many condo projects that initially met Fannie Mae’s project guidelines may no longer meet our current guidelines due to a number of challenges, including:

• Association budgets are significantly weakened because association fees are not being paid by delinquent homeowners.• Condo associations are unable to pay for common expenses such as security, pest control, property insurance, water, pool service, and garbage collection.• Significant numbers of units are vacant, exacerbated by the length of time necessary to complete foreclosures.Fannie Mae has been an active supporter of condo lending

for more than 35 years, and is committed to providing liquidity and stability to the condo market. Recognizing the challenges facing the condo market – with the most critical need in Florida – Fannie Mae has made several policy changes to enhance the availability of market-rate financing for condo units.

In January 2010 we launched the Special Approval designa-tion specifically targeted to condos in Florida that are experi-encing difficulty. The Special Approval designation – available only for “established” projects (i.e., at least 90% of units have been conveyed to purchasers, project is complete, project is not subject to further phasing or annexation, and the condo associa-tion is no longer under developer control) – has been granted to

161 Florida condo projects (as of July 15, 2010). Mortgage loans secured by units in projects with the Special Approval designa-tion are eligible for sale to Fannie Mae for either a purchase transaction, or a refinance of an existing Fannie Mae-owned mortgage loan.

Fannie Mae selects the projects to be considered for Special Approval designation, but welcomes suggestions of projects for consideration (send recommendations to [email protected]). We involve project management firms, property managers, and/or HOA board members in our evalu-ation whenever possible. To review targeted projects, we have a dedicated team of risk analysts in Florida who conduct research and on-site reviews of condo projects to determine their eligibility for the Special Approval designation. The team works directly with association managers and board members to help gather all relevant information for our review.

For new condo projects (i.e., fewer than 90% of units have been conveyed to purchasers, project is not complete, project is subject to additional phasing or annexation, or the condo association is still under developer control), lenders may submit the project to Fannie Mae’s Project Eligibility Review Service (PERS) for consideration for approval. Use of PERS is required for new or newly converted projects consisting of attached units in Florida, and optional for new or newly converted projects located elsewhere. Since PERS was launched in December 2008, we have approved 273 new projects in Florida.

Fannie Mae developed these condo project eligibility options to help ensure availability of mortgage financing – under terms that appropriately align with the risks – despite severe market challenges. Through these efforts, we hope to help stabilize the Florida condominium market and help lenders to continue lend-ing. As more purchasers are able to buy units, we will see lower vacancy rates and higher levels of condo fee payments, which will replenish condo associations’ budgets. Y

Sheri Murrah ([email protected]) is a Senior Risk Manager on Fannie Mae’s Project Standards Team in Florida. Sheri graduated from the University of Florida with an MBA and BSBA in Finance, and has 13 years of industry experience.

Fannie Mae’s Florida Team Targets

Many condo projects that initially met Fannie Mae’s project guidelines

may no longer meet our current guidelines

Page 15: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

www.caiwestflorida.orgThe West Florida Wire | September 201026

Federal Government guidelines for FHA condo financing changed in 2010. The new

requirement is that the entire Condo Association must be approved before a condo resident can be approved for an FHA mortgage.

This includes FHA Reverse Mortgages for residents ages 62+ who already live in a condo and are seeking an equity loan, and for those seniors using a Reverse Mortgage to purchase a condo unit. The same guidelines pertain to FHA mortgages for first time homebuyers.

In the current economy, FHA mortgages have become more popular than other types of mortgages because of the advantages over conventional loans. FHA has the more attractive offers on interest rates, income and credit, as well as down payment options for purchases. The problem is that many condo associa-tions are not “FHA APPROVED”.

by Alexia LandisBank of America Home Loans

AssociationsFHA ApprovesBEFORE Approving Residents

Page 16: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane
Page 17: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

www.caiwestflorida.orgThe West Florida Wire | September 2010�2

We want to say a special thank you to our Sponsors and the many volunteers who helped make

the Spring Tournament such a huge success.Kudos to the Spring Golf Tournament Committee Chairs

Rob & Tim Sanger from Galaxy Pools for a job well done!

CAI Spring 2010

Major SponsorsMainscape, Inc.Mullet’s Aluminum Products, Inc.NaturZone Pest ControlTerry’s Plumbing Service, Inc.

Photography SponsorStatewide Disaster Restoration

Beer Cart SponsorsG4S WackenhutSherwin Williams CompanyAsphalt Restoration Technology Systems, IncSuperior BankNanak’s Landscaping

Beverage Cart SponsorsCavanaugh & Co., CPABrown & Brown InsuranceDelta Engineering & Inspections

Hospitality SponsorsFlorida Shores BankBB&T-Association ServiceStaebler Appraisal and ConsultingBright House NetworksAegis Protective Services

Putting ContestSERVPRO

Water SponsorsVic’s Painting and Reconstruction of Tampa Bay, Inc.Aquatic Systems, Inc.

Page 18: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

www.caiwestflorida.org The West Florida Wire | September 2010 ��

Golf TournamentBest Score1st Place – Brad Lee, Doug Longfellow, Thornton Rainey, Randy Davidson2nd Place – Terry Roberts, Tristan Roberts, Lee Myers, Hunter Spitzer�rd Place - Dan Rooney, Jared Gray, Nick Peacock, Adam Smith

Longest Drive Winner (Male) – Jim KuhlmanLongest Drive Winner (Female) – Connie Thompkins

Closest Pin: Male Female5th Hole Bruce Eskew Brooke Nelson7th Hole Craig Thompson Connie Thompkins12th Hole Eric Lawson Connie Thompkins17th Hole Mark Cruzan Missy Williams

Putting Contest Winners – Paul Mraz

Best Score 1st Place

Best Score 2nd Place

Best Score 3rd Place

Brooke Nelson Connie Thompkins

Eric Lawson Mark Cruzan

Page 19: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

�5The West Florida Wire | September 2010www.caiwestflorida.org

CAI 2nd Annual Beach BashSaturday, November 13th.

Join your fellow CAI West Florida Chapter Members for family fun for everyone. Our second annual Beach Bash will

take place at the Siesta Key south side pavilion. There will be fun, festivities and games for the whole family. Along with the great day of fun will be a terrific barbeque lunch with all of the trimmings. There will be music, fun in the sun and the water and great company. Activities begin at 10:00 am and end at 3:00pm with lunch beginning at noon. Hope to see you all there!

Page 20: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

�7The West Florida Wire | September 2010www.caiwestflorida.org

OwnersForums 5.13.10

Don Massolio, Jeannine Gonsalves & David Swain

Forum Panel, Andy Cohen, George Niel, Mary Hawk

Norma Martin, Terri West, Merrill Oltchick, Cathy Bloomberg-Daniel

Barbara Fleming & Pam Lutz Andy Cohen

Linda Cavalieri Richard Moyer & Bill Sutton

Homeowner’s Forum & Mini Tradeshow

Page 21: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

�9The West Florida Wire | September 2010www.caiwestflorida.org

CAI Welcomes

New Member Orientation/Social Networking Event

Each fourth Thursday of the month at the CAI offices on Bee Ridge Road, all new members of CAI are invited to our New Member Orientation. Here you’ll get a chance to meet other new members of CAI, learn about upcoming events and get more information about the great benefits you can get as a member of CAI. Even if you’re a long time member of CAI, you are certainly welcome to attend any New Member Orientation. Who knows you might learn something new about CAI. New Member Orientations begin at 4:00pm every fourth Thursday of the month. Then, once you’ve got a little more knowledge, have some fun at our monthly CAI Social Networking event. For more information go to www.caiwestflorida.org or call the office at 941-927-1910.

April 2010Ian Kingsbury - Central Park II Condominium Association, Inc. - CAVLAndrea Daniels - Central Park II Condominium Association, Inc. - CAVLJames Carroll - Central Park II Condominium Association, Inc. - CAVLSusan Gillespie - Central Park II Condominium Association, Inc. - CAVLJohn Kidd - Central Park II Condominium Association, Inc. - CAVLJanice Collins - MGRMr. Steven R Wisniewski - CAVLCarlos Cardenas - Progressive Employer Services - BPValerie Longo - PCI Communications, Inc. - BPDan Taylor - Performance Pressure Washing - BPJudy Washburn - Artistry Painting Company, Inc. - BPWilliam Guiducci - Woodside Terrace Condominium Association - CAVLWayne L. Schofield - MGRJohn Alexander - American Metering Systems, Inc. - BPRon Coddington - US Sewer & Drain Florida, LLC - BP

May 2010Diane Blasé - Natural Designs Landscape Management - BPRowina Kennedy - Mount Vernon Condominium Association, Inc. - CAVLRandy White - Nitelites Landscape Lighting Professionals - BPRobert Patnode - Patnode Roofing, Inc. - BPDouglas Griffin - The Point Association, Inc. - CAVLRandy Folk - Folk Asphalt Inc. - BPMerrill Oltchick - Hamstead Heath Condo Association - CAVLTracy Smith - Palmer Ranch Master Property Owners Association - MGRTim Woodman - Sureway Painting, Inc. - BPWilliam Mercer - Bank of America Home Loans - BPPeter Cregut - Condominium on the Bay - CAVLINDJim Ayscue - Artistic Pavers and Surfaces - BPMark Rosenthal/Mary Ann - Bank United - BPBrian Foth - Kone, Inc. - BP

June 2010Eric Burtt - Verizon Enhanced Communities - BPDebbie Hancock - Laurel Oak Community Association - MGRTammie Avery - C&S Condominium Management Services, Inc. AAMC - MGRJanice Porto - C&S Condominium Management Services, Inc. AAMC - MGRLisa Lemmon - C&S Condominium Management Services, Inc. AAMC - MGRJamie Harris - Morrison Hershfield - BPPatricia K Doll - MGRHelen Cantor - The Sanctuary at Pelican Pointe - CAVLIND

Page 22: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

42 The West Florida Wire | September 2010 www.caiwestflorida.org

High on the list of every of a community’s most aggravat-

ing residents is that self-proclaimed “expert” on parliamentary proce-

dure that constantly interrupts and attempts to hijack the association’s

board or membership meetings. This resident will unfailingly proclaim that a particular proposed action, comment, or discussion is “out of order” and that the Board or committee has to follow Robert’s Rules of Order.

While I represent numerous community associations throughout Florida, I’m not an expert in parliamentary procedure by any stretch of the imagination. However, I’ve drafted enough sets of association bylaws and have attended enough board and membership meetings to have long ago realized that it’s always a good idea to bring my very own copy of Robert’s with me to these meetings—and I always keep Robert’s close at hand in the bookshelf in my office.

by Scott E. Gordon,Lutz, Bobo, Telfair, Eastman, Gabel & Lee

Self-Proclaimed The

Parliamentary Expert

Page 23: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

44 The West Florida Wire | September 2010 www.caiwestflorida.org

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T2010 CAI West Florida Chapter Programs

Programs subject to change – visit www.caiwestflorida.org for more information

1 Sarasota Breakfast Meeting & CEU Course – Polo Grill – Lakewood Ranch “Presentations by CAI Chapter Board of Director Candidates” 9 Owners Forum/Mini Trade Show - Venice Community Center – 8:�0a.m. “New Association Law: How it will Affect Your Community” - FLA Delegates Douglas Wilson, CMCA, AMS, PCAM & Patricia Staebler, SRA, David Muller, Esq. and Travis Moore, Lobbyist 14 Diamond Sponsor’s Lunch and Learn for Managers14 Board of Director’s Meeting – CAI Office – �:00 p.m.16-17 PMDP Course M20� Community Leadership –Holiday Inn Lido Key21 Business Partner Forum – Twin Lakes Park – 11:�0am-1:00pm “How to be a Good Business Partner”2� New Member Orientation – CAI office – 4pm2� Social Networking Event – Stingray’s – 5-7

6 Sarasota Breakfast Meeting & CEU Class – Polo Grill – Lakewood Ranch “So you’re on the Board: Working with Difficult People.” By a panel of Board Members12 CAI Board of Directors Meeting – �:00 pm14 Owners Forum/Mini Trade Show – Renaissance on 9th – 8:�0a.m. “New Association Law: How it will Affect Your Community” - FLA Delegates Douglas Wilson, CMCA, AMS, PCAM & Patricia Staebler, SRA, Curtis Hamlin, Esq. and Travis Moore, Lobbyist21 Venice Breakfast Meeting & CEU Class – 8:�0 am Kimal Event Center “Security for Associations/Protection/Owner Responsibility.”22 Golf Tournament – Heritage Oaks 25 MANAGER’s Roundtable 28 New Member Orientation – CAI office – 4pm28 Social Networking Event – 5-7 Gecko’s

� Sarasota Breakfast Meeting & CEU Class – Polo Grill – Lakewood Ranch “Enforcement Issues.” Mary Frances Katona from the DBPR , Tampa9 CAI Board of Directors Meeting – �:00 pm11 Owners Forum/Mini Trade Show – TBD1� Member Appreciation Event - CAI Beach Bash17 Bradenton Breakfast Meeting & CEU Class – 8:�0am Renaissance on 9th “Panel Wind Mitigation/Insurance/Appraisal Issues.”25 New Member Orientation – CAI office – 4pm

Page 24: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane
Page 25: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane
Page 26: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

51The West Florida Wire | September 2010www.caiwestflorida.org

CAIOutdoors

On June 12th members of CAI West Florida Chapter set out to explore parts unknown of Sarasota Bay near Turtle

beach. Armed with only a kayak, sun screen, towels, hats, snacks and a beverage or two, nature unfolded before them. What a great day to explore the beauty that is Southwest Florida and the great friends and fellow members of CAI to experience it with. To top off the day, everyone had a great lunch back on dry land. A big thanks to everyone who came out and we look forward to doing it again next year.

CAI June Kayaking Event a Big Success!

Page 27: Aging Communities · Eric resides in Bradenton with his wife and 2 daughters, Julia 10 and Mackenzie 6, and is celebrating his 20th year anniversary this October with his wife Diane

55The West Florida Wire | September 2010www.caiwestflorida.org

BreakfastMeetingsSarasota Breakfast 5.5.10

Deborah Poff, Frank Maggio, Jeff Vermillion, Valerie Longo, Mike Frost

Diane Blase, Bonnie Hassler, Ed Nugent

Frank Broz, Eric Lawson, Tom Condron

Linda Cavalieri & Stacia Scofero

Rob Yarish & Rick Barth

Guest Speaker Bob Harrigan, Tim Hartenstein, Jim Faix

Bob Parham & Teri DiBella