LandArc is proud to welcome Judy Julison, renowned expert in 55+ communities and former National Director of Lifestyle for Del Webb, who will train our staff at an upcoming event in North Carolina.
LandArc Hosts National Active Adult Training Event
Thursday, July 25, 2013
Thursday, May 23, 2013
Thursday, May 16, 2013
Active Adult Centers Replacing Senior Centers
Many senior centers are being renamed as active adult
centers. The simple fact of it is that many people do not like being
called “senior citizens.” These people do not want to stop doing the
activities they enjoy. Age is just a number to these people. A
number which does not reflect their energy or desire to enjoy life to the
fullest.
LandArc specializes in the management of highly amenitized
active adult communities. Our portfolio includes several communities in
Michigan, North Carolina, and Georgia. Our commitment to providing a
fulfilling active lifestyle surpasses our competitors. Find us on
Facebook and Twitter to ask us any questions you might have about the property
management services we provide.
Click here to read more about senior centers which are now
active adult centers:
Thursday, May 9, 2013
Spring Has Sprung
Now that spring is here and the last frost of the season
likely over, here are some things to watch out for in your association;
Property Signage: appearance is everything when it
comes to the home values in your association. The association sign is the
first thing people see upon entering an association. There were a lot of
instances this past winter where the snow would melt and then refreeze which
can weather your association sign as well as other signs throughout your
community. A routine inspection could save a lot of grief in the future
Concrete: freezing and refreezing can be especially
hard on concrete as well. When melted snow seeps into gaps and the
sidewalks and refreezes, it expands which creates cracks in the concrete.
Over time, the winter damage caused to concrete could be a potential safety
hazard. If someone were to fall on a crack in the concrete and get hurt,
the association would likely be held responsible. If you see concrete
damage in your association, contact LandArc at (888) 646-9888 and we will see
what can be done about it.
Pot holes: Winter can also be very hard on roads
creating pot holes in streets and parking lots. These could become
hazardous if not dealt with promptly.
Parking spaces: time and weathering can cause parking
spaces to fade. Is this an issue in your association?
Outdoor lighting: check to see if any street lights
or other external lighting is burnt out within your community.
Landscaping: LandArc has a strong working
relationship with our vendors. Now may be the time to address landscaping
needs within your association.
Security: ensure that all residents are aware of
security systems and procedures that are in place.
For any questions you might have, call LandArc at (888)
646-9888.
To view the source used for this post, click here: http://www.propertymanager.com/2013/04/spring-is-finally-here/
Friday, May 3, 2013
Welcome Dee Dee Blizard
LandArc is glad to welcome Dee Dee Blizard to our team as VP
of Community Management. Dee Dee brings 15 years of experience working in
our industry. *Not only does Dee Dee have extensive experience as a
community manager, but her passionate commitment to customer service can be
described as follows:
"...I have always worked by
and through relationships. It is remarkably easy to provide first class service
consistently in meeting the needs and exceeding the expectations of your
clients when you value the relationship. When it's more than a transaction,
it's transforming - both personally and professionally." - Dee Dee Blizard
Community Associations
Institute:
APCM National Board (2012-2014)
Certified Manager of Community
Associations
Association Management Specialist
Professional Community
Association Manager
Washington, DC Association of
Realtors, Inc.
Graduate Realtor Institute
Construction Arbitration
Services:
New Construction & Warranty
Arbitrator
Center for Alternative
Dispute Resolution:
Mediator
National Center for Housing
Management:
Certified Manager of Housing
Certified Occupancy Specialist
Site-Based Budget Specialist
Certified Manager of Maintenance
National Association of Power
Engineers:
Low Pressure Boiler Certification
*Edited 5/9/13
Friday, April 26, 2013
Thursday, April 25, 2013
Active Adult Market Improving
There are more signs that the housing market is improving. A small active adult community is being planned for construction in northwest Virginia. This new community, called River Crossing at Spring Arbor, will be located in Spotsylvania County. There will be an age restriction of 55 or older. The community will contain 33 single family houses and 30 villas.
Construction has also begun for Carolina Arbors in Durham North Carolina, which will be managed by LandArc. This is another sign that the housing market is improving and builders are more willing to invest their earnings in constructing active adult communities to support the lifestyle of retirees.
For more information about River Crossing at Spring Arbor, click here:
http://news.fredericksburg.com/businessbrowser/2013/04/12/active-adult-community-planned-in-spotsylvania/#
Construction has also begun for Carolina Arbors in Durham North Carolina, which will be managed by LandArc. This is another sign that the housing market is improving and builders are more willing to invest their earnings in constructing active adult communities to support the lifestyle of retirees.
For more information about River Crossing at Spring Arbor, click here:
http://news.fredericksburg.com/businessbrowser/2013/04/12/active-adult-community-planned-in-spotsylvania/#
Friday, April 5, 2013
Active Adult Resource
The city of Farmington Hills is a great location for active
adult activities. Many of these activities are located in the Center for
Active Adults, which is located in the Costick Center at on 11 mile road
between Middlebelt and Inkster. Later today, the Center will host a
Tiger’s Opening Day party from 10:30 am to 3:30 pm. Coming up this Monday
April 8th is lunch at the Detroit Institute of Art from noon to 2 pm. For
more information about activities offered through the Center for Active Adults,
click here: http://www.hometownlife.com/article/20130331/NEWS06/303310438/Senior-adult-activities.
Thursday, March 28, 2013
HOA "Injustice"
There are many articles floating around on the internet that
speak of the “injustices” that occur within homeowner associations. Many
homeowners feel that they do not have to answer to the association’s governing
board, viewing the board as a group of bullies that trample on the rights of
homeowners. However, these homeowners forget that by living in a HOA
community, they are agreeing to abide by the governing documents that apply to
everyone living within the community. These bylaws and governing
documents try to serve the greater good that would benefit everyone in the most
optimal way. That does not mean that the board of directors will always
make the right decision; they are also human beings and make mistakes. It
is not easy for anyone to exercise judgment over their neighbors.
Homeowners may not always have their way in inevitable
issues that turn up in HOA communities, but when the decisions they make about
their property affect the home values or other costs of those who follow all
the rules, who is really the victim? A lawsuit between a homeowner and an
association where the homeowner wins will likely result in an increased cost
for everyone in the community as the association tries to pay for attorney
fees. When one person wins and everyone else in the community loses, is
that really justice?
To read more about this topic, click on the following link:
Thursday, March 21, 2013
Columbia County Georgian Hot Spot for Retirees
As more retirees move into homes in Columbia County,
Georgia, residents are pushing for the creation of a large scale active adult
community. Studies also indicated a steady 20 year growth in residents
between the ages of 55-64 with continued growth in the future. The area is also ranked in the top
ten most affordable places to live. Locals predict that the number of
potential buyers will eventually attract the attention of Del Webb or other big
builders.
For more information, click here: http://newstimes.augusta.com/news/2013-03-20/study-indicates-county-poised-for-growth-in-retirees
Tuesday, March 19, 2013
Carolina Arbors
We are proud to announce that construction is under way in
Carolina Arbors, a Del Webb community that will be managed by LandArc.
Residents will begin moving into the first completed homes early this
summer. When completed, there will be 1280 units. LandArc offers a
unique approach specialized towards managing active adult communities.
Our portfolio includes sites in Michigan, Georgia, and North
Carolina.
We are striving to raise brand awareness. If you know someone who is the board member of an active adult community, please let them know about the services offered by LandArc. Or, if you are a board member from an active adult community click on the following link to see how we can improve your active lifestyle: http://landarc.com/Portals/0/lapromo/01.html
We are striving to raise brand awareness. If you know someone who is the board member of an active adult community, please let them know about the services offered by LandArc. Or, if you are a board member from an active adult community click on the following link to see how we can improve your active lifestyle: http://landarc.com/Portals/0/lapromo/01.html
Friday, March 15, 2013
Del Webb Home Supremacy
Del Webb is committed to constructing premier homes.
Through experience gathered through the construction of more than 50 active
adult communities, Del Webb is prepared to offer a new standard in home
environmental efficiency. Whether it involves electrical wiring or the
external architecture of a home in an active adult community, Del Webb is
prepared to offer among the best quality available.
To find out more, click on the following link: http://www.delwebb.com/why-delwebb/home-quality.aspx.
Thursday, March 14, 2013
Routine Preventive Maintenance Checklist
Simple tasks performed at regular intervals throughout the
year can make or break a homeowner association. We have included a
checklist containing routine preventive maintenance focal points, which has
been taken from this website. (http://www.gsa.gov/portal/content/111478)
Here are some things to keep in mind for routine preventive
maintenance:
·
Roof:
o Look
for wear in asphalt shingles
o Look
for damage in clay tiles
o Slate,
while more durable, needs occasional inspection to look for damage.
o Look
for Corrosion in metal
o Look
for air circulation in wood shingles.
o Look
for leaks in built-up roofs/membrane roofs.
·
Roofing Elements:
o Look
for projections that may cause leaks. Example of branches, loose joints,
etc.
o Look
for corrosion caused by Galvanic Action, such as ferrous metals touching
dissimilar metals.
o Look
for damaged cornice.
o Inspect
the underside of the roof for projection, including the eaves.
o Inspect
flashing for damage. Flashing is installed on every protrusion through
the roof and every joint where the vertical edge intersects with the roof.
o Inspect
gutters and leaders for clogged ice or other materials.
·
Exterior Wall Material:
o Inspect
mason and mortar for loose joints, stains, wet spots in the walls.
o Look
for loose stucco or plaster.
o Inspect
siding, shingles, and sheathing for damage (broken/missing boards, rotted or
missing members, or signs of veins of dirt that indicate termite tunnels.
·
Exterior Finishes:
o Inspect
paint for cracks, damage.
o Inspect
any ornamental elements including cast iron and stone/terra cotta.
·
Fenestration (doors and windows):
o Inspect
doors for proper alignment and for any signs of deterioration.
o Inspect
windows for strength in joints and structural support.
·
Exterior Ceilings/Decks
o Inspect
porches for damage as a result of poor drainage.
o Check
wooden supports for damage.
o Check
for any insect infestations.
·
Grounds
o Check
for cracks/damage in driveways and sidewalks.
o Check
for leaks in window wells.
o Inspect
any storm drains.
o Inspect
retaining walls for damage.
o Check
for proper draining around foundations
o Inspect
landscaping for dead bushes, diseased plants
·
Interior Inspection
o Load
bearing masonry wall.
§ Check
for cracks, damage.
o Check
caste in place concrete walls for
§ Settlement.
§ Cracks.
§ Other
damage.
o Inspect
wood joists and beams.
o Inspect
steel beams, concrete decks for sloping or other degradation.
o Inspect
§ Concrete
floors
§ Wood
floors
§ Carpet
§ Ceramic
tiles
§ Interior
walls/Finishes
§ Ceiling
finishes
§ Fireplaces
§ Interior
decorative masonry
§ Metal
surfaces
§ Stairs
§ Interior
doors/windows wood trim
§ Kitchen
cabinets/counters
·
Mechanical/Electrical:
o Make
sure there is sufficient power to run all appliances.
o Look
for any deterioration in plumbing/mechanical systems.
·
Attic:
o Look
for condensation that might cause damage.
For more information about
routine preventive maintenance, click on the following link: http://www.gsa.gov/portal/content/111478
Tuesday, March 12, 2013
Del Webb Museum
The national active adult community developer, Del Webb, has
created a museum to display the history of their very first community.
This Sun City Community museum describes how a community designed only for
retirees succeeded at a time when very few thought it would. Fifty
three years later, Del Webb communities have spread all throughout the country,
providing the active adult lifestyle to many retirees who are not all that
tired yet. To find out more about the Del Webb Sun City museum, click on the following link:
Friday, March 8, 2013
Del Webb Communities Recognized
Del Webb has had eight of their communities named among the
top fifty places to retire in the United States. As a strong leader in
active adult communities, Del Webb has developed more than 50 active adult
communities. These communities include: Sun
City Anthem, Sun City Festival, Sun City Shadow Hills, Del Webb Anthem
Ranch, Del Webb Stone Creek and Sun
City Peachtree. To read more about Del Webb, click on the following link:
http://www.delwebb.com/newsfeed/story.aspx?newsid=800531261.
Thursday, March 7, 2013
Governing Board Duties Increasing
As many cities, including Detroit, experience financial
difficulties, some homeowner associations have assumed control of various
duties for the associations they serve. The nature of HOA communities has
shifted to include property maintenance, trash collection, and other duties
that were once performed by local governments. As a result, it is
becoming increasingly difficult for board members of HOA communities to take care
of the day-to-day operational tasks of managing the communities they
represent. According to USA Today, 75%-85% of HOA communities perform
their day-to-day activities with the assistance of an experienced property
management company, while the other 15%-25% are still self managed.
As
the residual effects of the housing crises continue, governing board members of
HOAs are required to take on more and more responsibilities. This ranges
from daily operations like dealing with contractors, bookkeeping duties like
paying invoices, and collecting delinquent association fees from fellow members
These tasks can prove to be daunting without the assistance of a
professional management company, such as LandArc.
Click on the following link to read more:
Tuesday, March 5, 2013
Coyote Information
Southeast Michigan is having a growing problem with coyotes
in neighborhoods. This can be a problem when homeowners have small pets
or young children. While coyotes rarely attack humans, all animals can behave
in unexpected ways if they feel threatened. We have prepared some tips from the
DNR for dealing with any coyotes that might be present in your neighborhood:
- Never approach or touch
a coyote
- Never intentionally feed
a coyote
- Eliminate all outside
food sources, especially pet foods and bird feeders
- Put garbage out the
morning of pickup day
- Clear out wood and brush
piles; they are good habitat for rats and mice and may attract coyotes
- Do not allow pets to
roam free when coyotes are present - consider keeping pets indoors or
accompany them outside, especially at night
- If you see a coyote, yell,
clap your hands, bang pots and pans, in general make a lot of noise to
scare away the coyote and let it know that this is your space and you
don’t want it there. By making yourself seem scary and threatening the
coyote should retain its fear of people and easily scare away, this may
not work if the coyote is being fed or if there are food sources like pet
food or bird feeders in the area.
For more information about
coyotes, please visit the following link:
Friday, March 1, 2013
Homeowners Identities Stolen
Thousands of homeowners served by a Florida Management
Company have had their identities stolen. This was because a computer
server was stolen during a break-in. The management company runs six
associations in the Osceola Florida area. There were no signs of forced
entry, which indicated the thief may have had a key.
LandArc has strict security measures and system redundancies
to ensure that our information is always safe and secure.
For more information about the Florida Management company
break-in, click here.
Thursday, February 28, 2013
HOA "Shakedown"
In a homeowner association, decisions are made with the
entire community in mind rather than individuals. As a result, there are some instances where homeowners feel that since
they pay their dues, they have a right to get their way. So in some cases, homeowners start withholding dues in
order to “shakeup” the board and get their desired outcome. When this
happens, the source listed below states that
it is important to gain an understanding of the situation in a personal manner
(a phone call from a board member as opposed to an email or letter).
If
the homeowner’s request is reasonable, then the situation could be resolved
along with possibly waiving any late fees that have been incurred. If the
request is not reasonable, then explain the reasons why. In many cases,
withholding fees could simply be the result of financial difficulties. If
that is the case, the homeowner might be able to receive accommodations such as a payment plan based on their
situation. To read more about this topic, click here.
Tuesday, February 26, 2013
Snow Removal FYI
In light of the snow storm which will hit Southeast Michigan
today, LandArc would like to inform our customers that we will do everything
possible to ensure efficient snow removal. Our strong working
relationship with our vendors ensures that the job is done. As you are
most likely aware, we are expecting to get 5-7 inches this afternoon and
evening, although it seems like we may receive less.
As stated in our contract, “in the event the continuing
snowfall exceeds 4”, the contractor shall immediately plow out driveways and
roads to facilitate ingress and egress from the site, and then complete the
remaining areas as designated in this contract.” We would also like board
members to be aware that snow removal will commence no later than four hours
after snow fall has reached the level stated in the contract between your
association and your snow vendor. If snow accumulation continues, the
vendor has within four additional hours to clear and within 24 hours to clear
areas that were inaccessible initially or where snow has drifted. We ask
for patience while our vendors strive to keep up with the needs of our
communities.
Friday, February 22, 2013
Wednesday, February 20, 2013
NOW HIRING: Carolina Arbors Lifestyle Director
LandArc is looking for an experienced individual to serve as
the Lifestyle Director for a new Active
Adult community by Del Webb. Carolina Arbors is located in beautiful Raleigh,
North Carolina and will host 1,350 homes with
elaborate amenities.
Some of the benefits offered for this position include: competitive salary, benefits, company sponsored training
and continuing education. A suitable candidate for this position would be
someone who will actively engage Del Webb residents in activities that will be
offered at Carolina Arbors.
Since home construction in
Carolina Arbors is just beginning, residents who move into Carolina Arbors are
looking to continue their active adult lifestyle as they approach retirement.
That being said, the attitude and
energy level of the Carolina Arbors Lifestyle
Director will set the community standard for years to come.
Tuesday, February 19, 2013
Carolina Arbors Groundbreaking
Del Webb recently held a VIP groundbreaking ceremony to
initiate the construction of Carolina Arbors. Attending the ceremony were
local politicians, community leaders, and Del Webb representatives. Home
construction is expected to begin immediately and residents are able to move in
as soon as this summer. Carolina Arbors is in a great area located in a
great city and will be managed by LandArc.
Read the LandArc blog for more news about Carolina Arbors in the future.
Friday, February 15, 2013
Home Shopping? Consider Carolina Arbors!
Are you 55 years or older? Interested
in living in the Raleigh-Durham
area? Considering buying a new home? If you answered yes to all
three questions, consider a home in Carolina Arbors, a new Del Webb
Community. Carolina Arbors is an active lifestyle community with a number
of planned amenities, including a fitness
center, indoor and outdoor pools, and many more choices. Find out more
information about Carolina Arbors by clicking on the following links:
Tuesday, February 12, 2013
BIA Trade Show
Tomorrow, LandArc will have a table set up at the BIA Builders and Remodelers Trade Show in Sterling Heights. This show will take place tomorrow, February 13th from 10 am to noon at Best Western Sterling Inn Banquet and Conference Center 34911 Van Dyke Avenue, Sterling Heights, MI, 48312. Stop by and see us.
Friday, February 8, 2013
Digging Out
Five inches of snow dumped on the tri-county area. At
least two more inches expected throughout the day. Associations, please
be aware that LandArc is doing everything in our power to ensure that roads
within your associations are cleared. We work closely with our vendors to
make sure that the job is done. In the meantime, take it slow out on the
roads. If possible, give yourself more time to reach your
destination. Better to arrive at your destination a little late than to
drive into a ditch and not arrive at all. When it comes to safety, it’s
better to be safe than sorry.
Friday, February 1, 2013
Hot and Cold
This has been a strange year so far in terms of
temperature. On Tuesday, it was 50 degrees, fairly comfortable.
Yesterday, it dropped down to the mid twenties with snow added into the
mix. Today, it’s cold as well. This is because the jet stream. The flow of air that dictates weather
patterns in the United States is taking an odd path,
pushing cold air to the south and pulling warmer air to the north.
Based on this, it is important to keep an eye on your pipes
with all the freezing and refreezing going on. Did you know that when
water freezes, it also expands? Which is why routine preventive
maintenance is necessary for your community.
This way, you can be sure that you do not
experience any problems in your community
that could have been prevented through routine measures.
Tuesday, January 29, 2013
Presentation Dinner
Now that winter is underway, it is
time to think about preventive maintenance. We can help. LandArc is
holding a presentation on Tuesday, February 26 at 6:30 pm. Among the topics
that will be discussed are: routine preventive maintenance, handling
delinquencies, and saving money. This event will take place at the Station 885
at 885 Starkweather, Plymouth, MI, 48170. Dinner will be included.
Call (888)
646-9888 or email rcomins@landarc.com
to register.
A drawing and giveaway will be held at the conclusion of the evening.
Friday, January 25, 2013
HOA Conspiracy Busted
In an unfolding fraud scheme involving Las Vegas Valley
homeowner associations, a former construction manager has pleaded guilty to
fraud. Dax Louderman is one of 28 defendants in this case who were
involved with this HOA conspiracy. More than $8 million dollars was
funneled through secret bank accounts to contracts with various HOA
communities. These contracts ranged from construction to landscaping to
community management contracts. The conspirators are also accused
of using election rigging and various other tactics to get people into HOA
boards who then awarded them with contracts. There were a total of
eleven HOA communities that were targeted in this conspiracy.
To read more about this topic, click on the following link:
Wednesday, January 23, 2013
Cold Concerns
It’s cold outside in Southeast Michigan. While driving
into work this morning, the thermostat in my car read 4 degrees and that is
without wind chill. When it’s this cold outside (and you can usually tell
by the squeaking sound snow makes beneath your feet) there are certain
precautions that need to be taken to protect your home and protect
yourself. Limit exposure to these frigid temperatures to prevent
frostbite and always make sure you wear proper winter gear: hat, gloves, scarf,
etc.
Also, make sure that you check up on the regulations in your
HOA community to see what snow removal procedures are in place. While
vendors are hired to take care of many snow removal activities, their contracts
can limit what situations they are supposed to handle, so it is always better
to be aware of such things before a sudden snowfall catches you unawares.
As always, cold temperatures create the risk of pipes freezing/bursting which
creates problems for everyone involved. Precautions are often as simple
as leaving the cupboard below each sink open so warmer air inside of your house
can reach water pipes. Implementing routine preventive maintenance
activities makes things easier for you and it also makes our job at LandArc
easier too.
Wednesday, January 16, 2013
A New Way to Connect
Sometimes, the best way to learn about a community is to
talk to the people living there. Del Webb is now offering that option on
their website. Prospective home buyers can now see reviews living in Del
Webb communities to get a first hand explanation of what it is like to live in
that community. Through the power of the internet, shoppers have access
to a vast wealth of knowledge which they can view before making a purchase
decision. Del Webb’s new feature on their website makes this easier
than ever.
For more information, click on the following link:
Friday, January 11, 2013
Homeowner Sues Neighbors, Association
When neighbors of Suzanne Taylor decided to
clean up her cluttered patio area in a Buffalo HOA, Taylor filed a lawsuit
against her neighbors and the Waterfront Village Association. The case
lasted for more than three years, until a federal appeals court ruled against
Taylor and awarded attorney fees to Waterfront Village. Taylor claimed
the Association denied her disability accommodations for depression (which she
had no formal diagnosis). She also claimed, in the lawsuit, that
neighbors trespassed on her land and stole her property. She lost the
lawsuit on both accounts. The parties involved are currently in the
settlement process.
Wednesday, January 9, 2013
HOA Self Management?
As we begin 2013, many can only hope that his year will
bring better economical conditions than previous years. In the recent
recession, many businesses have survived only by drastically cutting
costs. However, where homeowner associations are concerned, self
management is not the answer.
In an article titled “The Myth of HOA Self Management,” the
author states that the myth of HOA self management was started in the 1960s by
developers which stood to profit from the decreased costs of self
management. As many HOA boards went forward with self management, they
found the path of self management full of pitfalls and dead ends.
An unhappy truth of HOA Management is the need to collect
delinquent payments. This requires a high amount of diplomacy and very
thick skin. How many board members want to walk next door, knock on their
neighbor’s door, and tell their neighbor that they are behind on their
association payments? What kind of community environment does that
create? Is it worth the money that might be saved?
The article went on to say that “…the two most emotional reasons that even the smallest HOAs should be
professionally managed: Money and Rules. No neighbor should have to collect money
from or enforce rules on another neighbor since the actions are predictably
confrontational.”
LandArc has more than 25 years of experience in the property
management industry. This experience simply cannot be matched by
volunteer boards of HOA communities. Within the last year, LandArc has
proven our excellence in crisis management when one of our communities was
damaged in a tornado last year. Our response to that situation gained us
the business of a neighboring HOA community. What board member would be
able to handle managing the cleanup and reconstruction of not only their own
home but their neighbor’s homes as well?
Self management is not the answer to reduced costs and will
lead to more headaches. To read more about the myth of HOA self management,
click on the following link:
Delinquency Tips
Delinquencies. This one single word causes
every homeowner association board member to shudder. And for good
reason. In the current economical environment, money is tight for
everyone, but when homeowners fall behind on their payments, the entire
community suffers. Even those who stay on top of their payments are forced
to make sacrifices to fill deficit gaps caused by delinquencies.
According to the source listed below, the best way to
keep an HOA community running smoothly is to have clear, decisive delinquency
policies. By applying a concrete, uniform policy situations caused by
delinquencies are kept fair for everyone. It also helps to have an
experienced property manager to help collect delinquencies. LandArc has
long experience in taking appropriate measures to handle homeowner
delinquencies. Collection agencies have proven very effective partners in this
process, and attorneys are also needed in select cases.
For more information about this topic, click on the
following link: http://realtytimes.com/rtpages/20120919_hoadelinquencies.htm
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