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				<title><![CDATA[The New Jersey Cooperator, The Condo, HOA & Co-op Monthly - Articles - 2009 August]]></title>
				<link>http://njcooperator.com</link>
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					  <title><![CDATA[Q&amp;A: Management Company Claims No Quorum]]></title>
					  <link>http://njcooperator.com/articles/549/1/QampA-Management-Company-Claims-No-Quorum/Page1.html</link>
					  <description><![CDATA[Our tenants&#8217; association recently held its annual shareholder&#8217;s meeting. The objective for the new board was to dismiss the current management
&nbsp;company. Many proxies had been collected by our door-to-door campaign, and
&nbsp;there was also a good turnout. 
&nbsp;

]]></description>
					  <author>no@spam.com (Stephen B. Kotzas)</author>
					  <pubDate>Thu, 10 Sep 2009 14:56:56 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/549/1/QampA-Management-Company-Claims-No-Quorum/Page1.html</guid>
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					  <title><![CDATA[Collegiate, Charming and Progressive]]></title>
					  <link>http://njcooperator.com/articles/548/1/Collegiate-Charming-and-Progressive/Page1.html</link>
					  <description><![CDATA[&nbsp;When one thinks of Princeton, New Jersey, the first thing that comes to mind is
&nbsp;the Ivy League university that put the town on the map&mdash;and with good reason. Perennially ranked in the top handful of colleges in the
&nbsp;country and with an endowment roughly equivalent to the GNP of a small
&nbsp;developing country, Princeton University is the alma mater of (to name just a
&nbsp;smattering) presidents James Madison and Woodrow Wilson, the Dulles brothers,
&nbsp;Donald Rumsfeld, Ralph Nader, political pundit George Will, numerous state
&nbsp;governors, senators, and congressmen, the playwright Thorton Wilder and
&nbsp;filmmaker Ethan Coen. F. Scott Fitzgerald wrote This Side of Paradise while a
&nbsp;Princeton undergraduate, and the faculty has boasted luminaries like New York
&nbsp;Times economics columnist Paul Krugman, Federal Reserve Chairman Ben Bernanke,
&nbsp;religion scholar Elaine Pagels and, at the Institute for Advanced Study, an
&nbsp;erstwhile Swiss patent clerk named Albert Einstein. 
&nbsp;]]></description>
					  <author>no@spam.com (Greg Olear)</author>
					  <pubDate>Thu, 10 Sep 2009 14:42:26 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/548/1/Collegiate-Charming-and-Progressive/Page1.html</guid>
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					  <title><![CDATA[Beware of Inadequately/Impropery Insured Contractors]]></title>
					  <link>http://njcooperator.com/articles/547/1/Beware-of-InadequatelyImpropery-Insured-Contractors/Page1.html</link>
					  <description><![CDATA[&nbsp;Many directors serving on the boards of co-op corporations and condominium
&nbsp;communities assume that once they have secured the appropriate coverage for
&nbsp;their properties, their problems are largely over. Unfortunately, problems in
&nbsp;the insurance marketplace have created conditions which can leave unknowing
&nbsp;boards exposed to losses from areas they least expect. One of the principal
&nbsp;indirect exposures that all boards face relates to the contractors they engage
&nbsp;to do everything from simple building repairs to large capital projects. These contractors may be plumbers, electricians, roofers, painters, HVAC service
&nbsp;technicians and the like and may be performing a range of tasks on the
&nbsp;property. Understanding what is necessary to prevent potential risks associated
&nbsp;with these contractors is essential for every co-op and condominium board. 
]]></description>
					  <author>no@spam.com (Julie McCabe, CPCU, CIC, ARM)</author>
					  <pubDate>Thu, 10 Sep 2009 14:41:46 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/547/1/Beware-of-InadequatelyImpropery-Insured-Contractors/Page1.html</guid>
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					  <title><![CDATA[Leading by Example]]></title>
					  <link>http://njcooperator.com/articles/546/1/Leading-by-Example/Page1.html</link>
					  <description><![CDATA[&nbsp;No matter what the profession or position, it&rsquo;s difficult to work where you live. For condo and HOA board members, that can
&nbsp;certainly be the case. These volunteers must make decisions that impact not
&nbsp;only the bottom line, but their friends and neighbors as well. That reality
&nbsp;makes matters of ethics and etiquette even more important for board members as
&nbsp;they strive to be fair and smart representatives of their community at large. 
]]></description>
					  <author>no@spam.com (Liz Lent)</author>
					  <pubDate>Thu, 10 Sep 2009 14:40:28 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/546/1/Leading-by-Example/Page1.html</guid>
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					  <title><![CDATA[Helping the New Kids on the Block]]></title>
					  <link>http://njcooperator.com/articles/544/1/Helping-the-New-Kids-on-the-Block/Page1.html</link>
					  <description><![CDATA[&nbsp;Though often responsible for millions of dollars in property and charged with
&nbsp;the oversight of complex building functions, few co-op/condo board members are
&nbsp;real estate professionals. Board members are resident volunteers who come from
&nbsp;many walks of life and various professional backgrounds&mdash;most of which don&rsquo;t include a lot of experience running a multifamily building or development. 
&nbsp;]]></description>
					  <author>no@spam.com (Jonathan Barnes)</author>
					  <pubDate>Thu, 10 Sep 2009 14:39:03 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/544/1/Helping-the-New-Kids-on-the-Block/Page1.html</guid>
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					  <title><![CDATA[Understanding Roles &amp; Responsibilities]]></title>
					  <link>http://njcooperator.com/articles/543/1/Understanding-Roles-amp-Responsibilities/Page1.html</link>
					  <description><![CDATA[&nbsp;Most condo and HOA residents understand that there is a board protecting the
&nbsp;interests of their community and individual owners&mdash;they&rsquo;ve probably taken part in numerous board elections, served on committees or
&nbsp;volunteered on behalf of the association in some capacity. But many residents
&nbsp;who&rsquo;ve never held elected office still don&rsquo;t truly understand what the board members do. 
]]></description>
					  <author>no@spam.com (Keith Loria)</author>
					  <pubDate>Thu, 10 Sep 2009 14:38:15 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/543/1/Understanding-Roles-amp-Responsibilities/Page1.html</guid>
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					  <title><![CDATA[Covering the Gaps]]></title>
					  <link>http://njcooperator.com/articles/542/1/Covering-the-Gaps/Page1.html</link>
					  <description><![CDATA[&nbsp;Unlike individual apartment owners&rsquo; insurance coverage, most co-ops, condos, and HOAs&rsquo; insurance policies are pretty standard&mdash;they include homeowners&rsquo; insurance, liability, and umbrella coverage. Usually, a building&rsquo;s common areas&mdash;such as the hallways, roofs, basements and so on&mdash;are insured for liability and physical damage, and occasionally, the association&rsquo;s insurance policy also covers the standard fixtures in each individual unit. 
&nbsp;]]></description>
					  <author>no@spam.com (Raanan Geberer)</author>
					  <pubDate>Thu, 10 Sep 2009 14:37:35 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/542/1/Covering-the-Gaps/Page1.html</guid>
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					  <title><![CDATA[Examining the Effects, Planning Ahead]]></title>
					  <link>http://njcooperator.com/articles/541/1/Examining-the-Effects-Planning-Ahead/Page1.html</link>
					  <description><![CDATA[&nbsp;The economic crisis has affected many individuals, businesses and markets&mdash;the real estate and job markets, to name just two particularly nasty examples.
&nbsp;Until now, one of the few industries that didn&rsquo;t seem as deeply impacted was the insurance industry, but that is soon to
&nbsp;change, according to certain experts in the field, who say that indicators show
&nbsp;that insurance premiums are most likely set to rise over the next year. 
&nbsp;]]></description>
					  <author>no@spam.com (Lisa Iannucci)</author>
					  <pubDate>Thu, 10 Sep 2009 14:36:23 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/541/1/Examining-the-Effects-Planning-Ahead/Page1.html</guid>
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