Showing posts with label CAI. Show all posts

Thursday, May 19, 2016

Unlike CA Asm Chad Mayes, SC State Senator Greg Hembree sides with HOA homeowners

State Senator Greg Hembree will try again at bill to regulate HOAs

MYRTLE BEACH, S.C. (WBTW)- In September of 2015, the General Assembly established a 13 person committee to review laws, policies, practices and procedures regarding homeowners associations in the state.

Tuesday, May 17, 2016

Liberty University sues Ivy Lake property owners over dam repairs - Forced HOA Indenture?

By Cynthia Stephens

Lynchburg, Virginia - Property owners that may be forced into an HOA - Please see this post!

Liberty University sues Ivy Lake property owners over dam repairs Richmond.comIf a judge rules in Liberty's favor, a homeowners association would be formed and would be responsible for collecting the money, among other duties.

Very important! Can you be legally forced into an HOA because of your proximity to a lake and dam owned by an institution like Liberty University? In Virginia, it appears the courts have the power! What stops any business then, from making homeowners pay for their retention ponds that need to be repaired or maintained? Or, non HOA property owners being made to pay for an HOA dam, or retention pond that is not being maintained or in need of repair?

http://www.richmond.com/news/virginia/article_9c2e4716-369e-510c-abc2-2a0d5c9243bb.html

Excerpt:

"In 2009, the Virginia Department of Conservation and Recreation notified Liberty that the dam’s spillway must be repaired to handle a worst-case scenario storm, a price tag Liberty initially estimated at more than $2 million but later said could be done for about $1 million.

According to the department, the dam’s spillway capacity is not adequate to handle a large storm event, and hundreds of homes and residents would be in danger if it fails.David Corry, general counsel for Liberty and its facilities such as Ivy Lake, said an appraiser has looked at the value of the properties, size of lots, and amount of view to determine how much to assess each homeowner.

On average, property owners on the shoreline would pay about $700 annually; other Ivy Hill property owners would pay $306 annually, Corry said, adding that if a property is both lakefront and on the road over the dam, the two figures would be combined.If a judge rules in Liberty’s favor, a homeowners association would be formed and would be responsible for collecting the money, among other duties.

The lawsuit states if the state-required repairs are not made, Ivy Lake may be drained and the dam closed or removed in accordance with the Dam Safety Act.

Liberty has spent more than $100,000 to recertify the dam with the state and investigate possible solutions for repair, the lawsuit said.Homeowners have 21 days to respond after they have been served. Notices began arriving the first week of May.""

Friday, October 12, 2012

Wine goes with cheese like an Abusive HOA board goes with legal council

"I am beginning to think that Jim Harkins should be fired for even agreeing to write these unprecedented letters. He should have a higher standard that money can't buy." Joseph Morabito, political activist, entrepreneur and former direct CZ Master Association

Posted by CotoBlogzz

Rancho Santa Margarita, CA - " Wine goes with cheese. Meat sandwiches go with a pickle. Green tea goes with Asian food. Sushi goes with pickled ginger. Oil goes with vinegar. Soda goes with chips. Many of the world's most beloved food combinations pair an astringent food, which causes the mouth to pucker up, with a fatty food, which makes the mouth feel slippery," according to Natalie Wolchover, staff writer for LiveScience.com. Now according to Paul Breslin, an experimental psychologist at Rutgers University and Monell Chemical Senses Center who studies taste perception, the reason why the pairings go well together is found in gastronomy.

What about the pairing of abusive HOA directors and legal counsel: the answer is found in self-preservation. As White House press secretary Jay Carney might say, it is self-evident that abusive directors dislike criticism and are not afraid to use every means possible to silence dissent. After all, it is a no-lose situation for these directors.

The board can simply use legal resources to send threatening letters and the residents must either bow to the board or face a protracted legal battle, not unlike the one Seal Beach, CA’s David Lyon faced when battling the Golden Rain Foundation over a simple request for records, or even the one in the City of Clayton being fought by Ann Stanaway over alleged voter fraud?

Lawyer letter sent to Mr. Kirkendale with love from CZ Master association

Just like the combination of wine and cheese, if a resident dares criticize an association’s service provider, you can bet that the association will unleash faster than a New York minutes its WMD– weapons of mass disinformation, such as the ones in Antigua, or send its legal council after HOA Heroes such as Mike Curtis, or even old misogynist such as Bill Kirkendale, father to five girls and five granddaughters, as CZ Master association director Xochitl Yocham might. Ms. Yocham previously referred to then 75-year old Ed Caruso as a neglected child, when Mr. Caruso dared

criticize the association’s handling of its private security company. Not only that, but the association sent James Harkins, it’s legal council to have Mr. Caruso sing a Shut Up agreement as a pre-condition for Mr. Caruso to be allowed into open association meetings – even Mr. Harkins showed some empathy when he told Mr. Caruso “I hate to do this but…”

As a result of the board’s indiscriminate use of Mr. Harkins’ services, we circulated the letter below, prompting a chilling response from a resident who wanted to know the legal ramification of signing such letter.

Now, it looks like the CZ board is at it again: not only did it dispatch Mr. Harkins, but it also dispatched an Orange County police officer to see what kind of a threat disabled 75-year old Mr. Kirkendale represents to its service providers.

From: Buzz @CotoBuzz
Subject: [COTO] Letter to legal counsel To: CotoBuzz@yahoogroups.com Date: Saturday, October 29, 2005, 8:56 AM

A group is working on a petition to be sent to the CZ master association’s legal counsel, to advice the board it is knowingly in violation of various statues, and that for the good of the association, the board must put a stop to it immediately. If you would like to see and sign your name to this petition, please send email to JMorabito@paragongri.com or to cotobuzz@yahoo.com Such petition may also be presented at next board’s meeting

From: Morabito, Joe
Subject: CZ Letters - Chilling Effect To: "Patti "
"Buzz @CotoBuzz"
Date: Sunday, October 30, 2005, 8:28 AM

Patti: The fact that you would even have to ask that question demonstrates the intended chilling effect the unprecedented, threatening letters from Harkins and The Sunshine boys is designed to have on our Members. Do we live in the Soviet Union? The last time I taught American History and Government though it was many years ago, I don't recall any mention in the US Constitution stopping at Coto's gates. Freedom of Speech and particularly as it relates to elected public officials is absolutely critical to the workings of a democracy. And, while it is true that we don't yet have democracy in Coto and that our Board elections and especially the last one manipulated by the Sunshine Boys are corrupt, the California State Legislature continues to pass laws signed by the Governor to protect HOA Members from the very abuses we see happening in CZ under the management of the Sunshine Boys and their minions. We must act to protect our rights and beat back any who would attempt to curtail them. Joe Morabito P.S. I am beginning to think that Jim Harkins should be fired for even agreeing to write these unprecedented letters. He should have a higher standard that money can't buy.

From: Buzz @CotoBuzz
Subject: [COTO] Letter tp attorney
To: CotoBuzz@yahoogroups.com
Date: Saturday, October 29, 2005, 11:51 AM

Hi Bill: I know you do no longer like Coto :-), but: Jerry Mezger has agreed, in writing, that he is knowingly in breach of his fiduciary duty by threatening to silence residents who are willing to exercise their free speech right. A group is working on a petition to be sent to CZ master association’s legal counsel, to advice the board they are knowingly in violation of various statues, and that for the good of the association, thee board must put a stop to it immediately. If you would like to see and sign your name to this petition, please send email to JMorabito@paragongri.com or to cotobuzz@yahoo.com Such petition may also be presented at next board’s meeting

I must say that I like sushi with wasabi, but have a strong distaste for an abusive HOA board of directors and its legal council.

Wednesday, October 10, 2012

The HOA Problem in America Today – Part One

.
By Jonathan Briggs

My friends you can bet your life and last dollar on the fact that if you live in a planned community in the United States today you have a homeowners association (HOA) board of directors and a staff GM to deal with who have completely lost their way in life.

By that I mean once they achieved their superior human being HOA board and GM status in life they became just like Nazi style dictators and thugs. No longer were they kind and decent neighbors and friends. Now they became arrogant enemies of yours who were completely drunk with their own new found egomaniacal power of ruling over their new low life HOA subjects. You talk about arrogance of power. These HOA folks invented the phrase.

I don't know what it is about common ordinary folk who suddenly ascend into to the hallowed halls of unbridled power. Somehow they lose their sense of common courtesy and common moral decency. When you walk into a room with these people they try and stare you down as if you were one of the lowest of creatures on earth and they were the high supreme beings in life. It's truly a sickening sight to behold.

And speaking of sickening sights to behold just go to one of your HOA board meetings one time. You will be amazed at how forlorn and unhappy these board members are as they never crack a smile, never say a kind word and they never show any respect or common courtesy toward you whatsoever. No it’s really a sad day in their lives. Nothing to do but beat up on former friends and neighbors for their own twisted sense of self created importance and power.

I must add this. Somewhere out there I know there is a wonderful person who has become an HOA board member. The problem is this poor person when he or she became a board member they had to lay down with dogs so they quickly got fleas. When this happened they too lost their way in life.

Now all these people will tell you that they are only homeowners like yourself who have volunteered and sacrificed to help the community. HOGWASH….These people on the whole are nothing but power hungry misfits of society who feed off of their egos and self-appointed importance and authority over others. The Stanford prison experiment comes to mind when you look at these people.

So what is it about these HOA people that makes them this way? In my humble opinion they take on the Julius Caesar persona. You remember old Julius. He was a power hungry tyrant who prevented any kind of democratic participation. He only desired power for himself and he did not meet the needs to better Rome. He paid huge sums of his countrymen’s money so he could become high priest. And if all this wasn’t enough he requested that he be granted the title of dictator for life, which was granted…And as he was now the supreme dictator he completely disregarded the republican system of elections.

I’m sorry but all this reminds me of HOA board and staff dictators of today. They don’t care about you or your needs. All they care about are their obsession for power and authority over your lives..

.......To be continued

Friday, September 21, 2012

Class action against HOA management firms for unauthorized practice of law

AZ class action against HOA management firms for unauthorized practice of law

By George K. Staropoli

A class action suit was filed in Maricopa County, AZ against numerous HOA management firms for the unauthorized practice of law resulting from their attempts to collect HOA debts. The two plaintiffs allege against some 30 management firms, among other things,

Upon information and belief, the Defendants represented to the public and to members of the Class that they were acting with the full measure of authority reserved for licensed legal counsel for Defendants by negotiating debt on behalf of a third party, drafting, filing and/or preparing legal papers, including liens, debt collection letters, complaints, default judgment, judgments, and other debt collections activities which require the appearance of a licensed and authorized attorney; and charging fees for the foregoing activities. . . . Defendants actions directed at these Class Members constitute the unauthorized practice of law and are clear violations of the Fair Debt Collections Practices Act and Arizona law.

Crame v. 360 Management (Maricopa County Superior Court, CV 2012-095288, Sept. 10, 2012). The case has been moved to Federal Court.

A class action is undertaken when the number of victims is so numerous and who have basically the same allegations of wrongdoing. The two plaintiffs represent the class of homeowners who meet the following criteria,

All persons or entities who, at any time from August 1, 2006 to the present (the “Class Period”), were members of a Homeowners’ Association or like entity and who were pursued for an alleged debt owed to that Homeowners’ Association or like entity by any of the Defendants or other Community Management Companies who purported to pursue collections against said persons or entities without proper legal representation and/or on behalf of their third party HOA/Condo customers and/or who improperly held themselves out to be an attorney.

Related information

Class Action Filed Against AZ HOA Management Companies (Attorney Roger Wood blog)

UPL 12-01 – Scope of Legal Services to HOA’s (March 2012) (State Bar Advisory Opinion)

Final Order: HOA management firm engaged in unauthorized practice of law(AAM, LLC was the defendant. Still not made public info on the Supreme Court or State Bar web pages.)

Tuesday, September 18, 2012

The Laguna Woods Village Wasteland – When will they ever learn?

LETTERS

Dear Supporters and Friends of PPV,

Today we received a copy of a letter from a new owner in United sent to the Globe two weeks ago, but it has not been printed. I am forwarding it to all of our PPV Friends to show how important it is to elect Doran, English, Ferris, and Auble to the United Board, so that the 6 month lease restriction can finally be eliminated, and we will know longer continue to see our property values spiraling downward. It is imperative that you get your ballots back and you encourage your neighbors to return their ballots by October 1st. The ballot count will be Oct. 3rd.

On another note, we have been receiving calls regarding the Board's latest ballot proposal regarding the vote on services that is suppose to be mailed on September 28th. At this time---NO One knows what will be in that proposal or what it will ask or say. Since we are being blindsided again by the United Board and this issue has not been discussed or evaluated in any open Board meeting with United Owners, we ask," Why is this necessary now?" United Mutual has been providing maintenance and appliances for close to 50 years, that alone dictates that they must continue providing these services.

Since we are in the middle of an election, where 4 new Board members are going to be starting soon--we question, again, the purpose of this vote, the validity of it, (since past practice already dictates what they continue doing what they have in the past. )we have to ask why the Board is spending more of our money at this time. The Board spent over $225,000 for the attorney's fees since January and it cost $40, 000 to print up the By-law and Occupancy Agreement package not including the postage spent on mailing it out to 6300 unit owners.

In the end, both issues were overwhelmingly REJECTED by the members of United.

It's time to contact the current Board members and tell them to stop wasting our money on another foolish ballot proposal. With a new Board coming in next month---there will be plenty of time to have discussions in open Board meetings with input from residents on whether United can even legally discontinue these services. Why rush to judgment--which this Board has done time and again.

Please contact the Board members and tell them that you do not want another ballot sent out before the new Board is seated. Tell them to STOP wasting our money and START protecting it,which is their fiduciary duty. Send an email or give a call to the Board members and let them know how you feel about this profound waste of on an unnecessary election. Remind them that it is their fiduciary duty to protect members and their assets---and that there will be 4 new faces on the Board soon.

United Mutual owners spoke loudly and clearly in last month's defeat of the By-laws and Occupancy Agreement. When is the United Board going to start listening???

Stevie Magid

PPV

LETTER NOT PRINTED BY THE GLOBE - FOR SOME UNKNOWN REASON

The following letter was written by an new owner in United Mutual. He has offered to keep us updated on the most current statistics regarding distressed properties on the market in United Mutual. Please read this letter. It supports everything that PPV has been saying for the last several years.

I discovered to my dismay that we paid 1/3^rd the price of what one my neighbors paid. Our short sale manor purchase had three price reductions as it was a distressed estate. It appears that market forces, by-laws, board admission policies are problematical. Of the 441 manors for sale on September 5, 2012 perTrulia.com 154 are foreclosures or pre-foreclosures - 34.9% of the manors on the listed. (Look at listings sorted low to high.) Short sales are not reflected as it would require review of each of the 287 (441 – 154) listings – beyond my attention span.

Economic conditions for the foreseeable future look bleak. Consider the median income of 65 and older household is annual income $31,408 (U.S. Census Bureau 2010) which is below the minimum income entry retirement of $36,000. Assuming the average current purchase price of $114,000 plus $125,000, $239,000 in minimum assets would be required for entry. Informed and knowledgeable buyers would know the higher the selling price the higher the asset requirement which is a price disincentive. Per a recent study, the median net worth of households 65 years and older is $195,800 with the typical 65 years and older household having a net worth of $170,218 most of which is home equity. Net of home equity senior household net worth is $28,518. In short, the pool of people who meet both the income and asset requirements continues to shrink.

Not being able to rent out a co-op beyond the 6 months forces sales at lower prices as both the monthly HOA fee and monthly mortgage approximate upwards of $1,000 per month. Statistical evidence has yet to be developed, but common sense suggests that if someone is in an assisted living facility, sustaining $1,000 per month Laguna Woods obligations is at lease a hardship. At death estates are forced to sell or sustain the monthly carrying costs. Selling at a lower price is thereby compelled. Given the number of foreclosures and short sales, the hard impact of the 6 month lease limitation is reflected in lower selling prices. Hypothetically, if 154 foreclosures were eliminated due to ability to lease out for 12 or more months at market price, there would be less downward pressure on pricing.

The entrance requirements should also be more flexible and calibrated. For example, if someone has twice the minimum income of $36,000 per year, a lowering of the asset requirement could be calibrated to higher income. The United Mutual Board should undertake a study to guide adjustment of entry financial requirements that are more sensitive to individual financial circumstances that also take into stability of foreign income and/or assets in excess of minimum requirements.

The United Mutual Board has a moral and ethical stewardship obligation to safeguard property values of its shareholders. As primary reasons for property turn over are death and infirmity, continuing an obsolete lease limitation that forces sale of an asset below market is dereliction of moral and ethical duty. Creating asset entry requirements that act as barriers and/or pricing disincentives is contrary to stewardship obligations.

If you would like to make a comment about a specific news article, editorial or commentary and have it considered for publication in the CotoBuzz Journal as a Letter to the Editor, please send it to cotoblogzz@gmail.com
Letters should be brief, and may be edited for clarity and length.. They become the property of CotoBuzz Journal and may be republished in any format.
Please include your full name, mailing address and daytime phone number (your number will not be published).

Hello Friends,

There are some very rude rumors circulating about the upcoming election and the candidates endorsed by Protect Property Values Club, and I’d like you to know the truth. Vote for whoever you want to vote for, but don’t vote against someone because you heard a rumor. We’re better people than that. If you find this information helpful, please circulate this to your friends in United.

Linda Wilson is now on the GRF board and sits on the Security committee. She was then and is now completely clueless and does more damage than good.

The Copley Files: You Gotta Approve the Package to Find What’s In It.

Maxine McIntosh who said that Cris Trapp (now Robinson) was not a lawyer is also completely clueless. Mike Curtis says Robinson IS a lawyer. Robinson’s bar number is: 153438. You can see her CalBar listing here http://members.calbar.ca.gov/fal/Member/Detail/153438 . Robinson is the LEAL AFFAIRS DIRECTOR for PCM and is frequently seen taking Storage’s place on the dias when he is absent…probably having a big lunch at On the Boarder…..one of his favorite lunch on-the-members places. Robinson also enjoys sporting events for which the members pay and also fill her gas tank for the trip there and back. I refer to the emergency only credit card usage and reimbursement for expenses to employees; or STAFF as everybody so fondly calls them.

Monday, September 10, 2012

Homeowner association must keep funding reserve account

The Davis-Stirling Act does not require associations to create a reserve account, but if one exists, the board can't choose not to fund it.

By Donie Vanitzian

September 9, 2012

Republished with permission from (c) Holder

QUESTION: I own a town home in an association that has a couple of hundred unit owners. We have a current liability of more than $1.3 million but only $180,000 in the actual reserve account. At the last meeting, the board handed out an article stating that associations are not required to have reserve accounts. Board members used this as proof that we did not need to fund the association's existing reserve account or have a reserve.

Our CC&Rs, however, state that we must have a reserve account. The board does not provide reserve account statements, does no annual inspections and provides no replacement cost estimates, nor does it plan to do so.

Who can decide not to fund the reserves? Is it up to the whim of each board in power at the time? Should owners be notified of the decision not to fund a reserve account? Is the board liable for not funding the reserve?

ANSWER: Even though there is no requirement in the Davis-Stirling Act to create a reserve account, if the association's covenants, conditions, and restrictions (CC&Rs) state that one must exist, the board is bound by the CC&Rs.

Once a reserve account is created, it must continue to be funded. There is no longer an option not to fund it. Failure to fund an established and existing reserve account could be a breach of the board's duty.

The Davis-Stirling Act states the requirements for how reserve accounts are managed, how the funds must be used and what data about the accounts are reported to homeowners.

It is important that a plan for the amount of reserve account funding is determined by the owners and the board. For example, a small reserve account could be maintained as long as the board provides notice that its policy for funding the major repairs or replacements will come from special assessments on an as-needed basis or from some other source such as association loans.

There are companies that provide this service, but during the course of conducting its due diligence, a board may conduct its own reserve study to determine the remaining life of a major component, the approximate cost to replace or repair the item and how much money must be collected to perform the repairs when the time comes. This is not difficult.

Homeowners should understand that payments into the reserve fund never stop. Be aware too that if the property is sold before the major repair is made, sellers are not entitled to a refund or money back from the association. A titleholder's only avenue to the funds would be to include a clause in the buyer's purchase agreement demanding payment equal to the seller's unused reserve fund payments.

Sunday, September 09, 2012

The Copley Files: You Gotta Approve the Package to Find What’s In It.

LETTERS

Linda Wilson is now on the GRF board and sits on the Security committee. She was then and is now completely clueless and does more damage than good.

How many in United realize they also voted on a name change for the mutual? How many noticed the changes said “United Laguna WOODS Mutual” instead of United Laguna Hills Mutual? They snuck that little deal in on most people and when one member questioned the change the board reply went by so fast I think most simply missed it. The answer was “it’s part of the package”. Well, at no time did they explain the HUGE cost involved in name changes. Just recording the changes legally isn’t that much but it is all the other things that go along with the name change. Just more $$$$$ for everybody but the MEMBERS.

Vote the incumbents in United who have the gall to run again for their seats OUT. Put in responsible and RESPONSIVE people who will represent the MEMBERSHIP and not their own or the management and lawyer interests. It’s YOUR MONEY FOLKS. It is your RIGHT to decide how it is spent.

For the Copley Files, click here for pdf file, including a video

K. MacDaniel

#######

If you would like to make a comment about a specific news article, editorial or commentary and have it considered for publication in the CotoBuzz Journal as a Letter to the Editor, please send it to buzz@cotobuzz.com --. Do not send attachments- or mail to Letters to the Editor, c/o CotoBuzz, P,O. Box 154, Trabuco Canyon, CA 92678

Letters should be brief, and may be edited for clarity and length.. They become the property of CotoBuzz Journal and may be republished in any format. Please include your full name, mailing address and daytime phone number (your number will not be published).

Friday, September 07, 2012

Laguna Woods Village HOA: Can You Hear Me Now?

LETTERS

Open response to Marty Rubin:

Laguna Woods Village, CA–Today (09-05-2012) the revised bylaws and occupancy agreement was defeated by a 67% margin. ARE YOU LISTENING YET??

What you have described as "unnecessary turmoil and dissension" was in fact "unnecessary," because, when our newly-formed group first asked to have a meeting, or even a conversation with some of the Board members regarding the rental restrictions, we were shut out, ignored, and marginalized. Every time the Board refused to hear us PPV grew in supporters. Yet, our petitions with 3,000 signatures was met with laughter and ridicule by a hostile board. It is indeed sad that all this contention could have been avoided with dialogue and respect.

Your accusation of "Intimidation and fear" is ironically the exact tactic the Board used when they illegally threatening to cut off services if the members did not vote yes. And, Marty, before making accusations of support coming from real estate agents and commercial speculators, get your facts right. We have received NO support from the real estate sector other than being supplied with housing information that is readily available in the paper. ALL support for PPV comes from our 3,000 members making small contributions. The candidates are self-supporting. Don't believe us?... check our records. On the other hand, the United Board has spent our association funds illegally, Civil Code 1363.4, when promoting their agenda in their ads.

The candidates that we support, Phil Doran, Pat English, Erna Ferris, and Jerren Auble are focused on the all-important issue of open communication, which has been sadly lacking on this Board. Their shared vision is of a Board that's accessible and responsive to the members they represent. Because of the many mistakes and failures of this Board, there are now many issues we must focus on, not just one. With capable people who believe in actually listening to their fellow members, Phil, Pat, Erna and Jerren will bring unity to this commUNITY.

Your neighbor,

Nancy Doran

#######

If you would like to make a comment about a specific news article, editorial or commentary and have it considered for publication in the CotoBuzz Journal as a Letter to the Editor, please send it to buzz@cotobuzz.com --. Do not send attachments- or mail to Letters to the Editor, c/o CotoBuzz, P,O. Box 154, Trabuco Canyon, CA 92678

Letters should be brief, and may be edited for clarity and length.. They become the property of CotoBuzz Journal and may be republished in any format. Please include your full name, mailing address and daytime phone number (your number will not be published).

The CotoBuzz Journal

Pages

Thursday, May 19, 2016

Unlike CA Asm Chad Mayes, SC State Senator Greg Hembree sides with HOA homeowners

State Senator Greg Hembree will try again at bill to regulate HOAs

RELATED STORIES

Tuesday, May 17, 2016

Liberty University sues Ivy Lake property owners over dam repairs - Forced HOA Indenture?

Friday, October 12, 2012

Wine goes with cheese like an Abusive HOA board goes with legal council

Posted by CotoBlogzz

Wednesday, October 10, 2012

The HOA Problem in America Today – Part One

Friday, September 21, 2012

Class action against HOA management firms for unauthorized practice of law

Tuesday, September 18, 2012

The Laguna Woods Village Wasteland – When will they ever learn?

LETTER NOT PRINTED BY THE GLOBE - FOR SOME UNKNOWN REASON

Monday, September 10, 2012

Homeowner association must keep funding reserve account

Sunday, September 09, 2012

The Copley Files: You Gotta Approve the Package to Find What’s In It.

Friday, September 07, 2012

Laguna Woods Village HOA: Can You Hear Me Now?

Open response to Marty Rubin:

Wikipedia

Reading List