Pensions/Social Security and Former Spouses

February 22nd, 2011

What, you say, can these things possibly have in common?  Well…not much, except where the money goes!

At a recent SAHMA meeting this topic came up during and Income and Asset Calculation break out session.  It was something that I thought that was not new, so I wanted to make sure that everyone was aware of this part of the handbook.  Chapter Five of the 4350.3 specifically indicates that benefits paid directly to a former spouse as the result of a divocre decree, court order, anulment, etc. are not to be counted as income.  You are required to have the divorce decree and/or other documentation to support this and to be able to determine the actual amount of income.

Make sure that you are calculating income correctly when faced with this issue!

Good luck out there.

Time Flies…

February 5th, 2011

 My youngest just celebrated her 12th birthday…it is hard to believe that time goes by so quickly.  I remember being told that when I was young and I remember thinking that was a good thing.  But, honestly, the older you get the quicker time seems to pass.  I suppose that it is a good thing to feel younger than I am…I mean, I’m only 25, it’s nearly impossible to have a 15 year old son…but often I find that it gets me in trouble.

For example…I don’t wear the cool clothes anymore – no matter how hard I try.  I don’t listen to the cool music – even though I think what I listen to is cool.  No matter where we go, I am the mom that is embarassing…I also tend to be the LOUD mom, which doesn’t help!  I drive a Volvo.  I have a lap dog.  I think 9:00 is bed time, not dinner time.  When did all of this change?  It wasn’t overnight, but as surely as the sun rises, I am no longer the youngest person in the office or the one who needs the advice…I’m the one that gives it.

Time does fly…but oh the fun I’ve had.  I wouldn’t trade it for the world…I would slow down and soak it up more, maybe, but I would never go back.

Take a few minutes today to remember where you’ve come from, where you’re going, and what a ride it’s been!

Rainy Days and Mondays get me down…

February 2nd, 2011

What’s worse than a rainy day?  A rainy MONDAY!  It’s been pouring out there all day and all I can say is thank goodness it is not Monday.  I know some of you may be experiencing SNOW and ICE, but the rain is so dreary and depressing.  I know, I know, we need it and I should be grateful, but really?  C’mon.

 Anyway, all this rain made me think about some things you might want to do on rainy days at your community.  You know, when residents are not coming by the office in droves to bother you because they want to avoid getting soaked and it is the middle of the month so you finally have a minute to take a breath…

  • Wash the inside of the windows – there is nothing more unattractive than gross, dirty windows
  • File – this is a great opportunity to get all of your filing caught up
  • Make application, move in and recertification packets – but don’t get carried away.  Remember that a form copied a hundred times is hard to read and generaly lacks professionalism
  • Shred – you know that pile sitting in the corner that you’ve been meaning to shred for a month now…go ahead, do it
  • Clean out your desk drawers – I know you have a packet of Taco Bell Hot Sauce in there that you’re sure you are going to use any minute now…but I’m sure there are some other things you can toss to make your desk feel clean and new (like that six week old straw?)
  • Move the chairs – you know, the one the residents come to sit in when they decide that your office is the best place to have a long conversation?  Move it to the other side of your desk, face it a different direction, make it crooked…anything to give it a new feel.  People will notice.
  • Put a mirror up – preferably over your desk so when someone gets mad and wants to yell at you they have to watch themselves do it…makes it a little more difficult to scream

So, there you have it.  Just a few ideas to make a rainy day a little more productive.  We don’t have much down time, but what we do have can be filled with constructive ways to make our offices more efficient.  You don’t need to spend the day reading a book or playing on Facebook (unless you are a fan of DASH Compliance, of course!)…

We’d love to hear your ideas for making a rainy day feel more productive.  Pass them on!

SAHMA Season…

January 29th, 2011

It is a beautiful day today.  It is unseasonable warm and the sun is bright and shining.  I should be outside soaking up the warmth, yet here I sit making sure that you are all informed on the most important of issues!  Not to make you feel guilty or anything…

 It is a good day to remind you about the upcoming state SAHMA meetings.  I know that sometimes it feels like you have heard all you need to on the subjects that are addressed at SAHMA, but keep in mind that one of the main reasons for going is to meet other folks. 

Networking.  It is important for everyone, but especially those of us in the small world of affordable housing where all roads lead to each other.  SAHMA meetings are a good opportunity to see what is working for other community managers.  It is a chance for you to get HUD’s opinion on subjects without having to get “written up” and it is a place where you can relax and enjoying knowing that you aren’t the ONLY one having “that” problem.

I love SAHMA meetings and I am very proud to be associated with SAHMA and to be invited to speak at many of the state meetings.  I think that the opportunity to just spend a few days away from your community is valuable.  We all need to be able to take a deep breath and smile.

So, if you weren’t planning on going to your state meeting, take a look at your calendar and see if you can squeeze it in.  And if you are planning to be there…see you then!

Physically preparing for an MOR

January 23rd, 2011

Normally, when I think of an MOR, I think of a review of all of my paperwork.  I mean, REAC is responsible for physical inspections, an MOR shouldn’t worry me, right?

WRONG.  When preparing for an MOR, the physical appearance of your community is an important part of your score.  It is nearly impossible to get a good score (and when I say good score, I mean Above Average or better) if your community is not physically in shape. 

The good news?  If you read my last entry, you already KNOW what they are going to be looking for since you’ve read the 9834!  I love having the questions before the test…

So, the basic areas you need to prepare for physically are:

  • REAC deficiencies have all been mitigated – and don’t take ANYONE’S word for it.  At the very least, you should walk ALL of the units that had any obsesrved deficiencies on your last REAC (epsecially the EH&S [Exhigent Health and Safety]) because you can be fairly confident that those units will be walked.  Make sure during your inspection that not only are the specific items recorded on the REAC mitigated, but that the unit in its entirety would pass REAC again.  Your MOR reviewer will be looking for overall maintenance in the apartment – not JUST the REAC findings.
  • VACANT UNITS are market ready – you should walk ALL of the vacant units (yes…ALL of them) prior to the MOR and make sure as many as possible are completely market ready before the review.  This means that you, personally, would put your DISHES in the cabinets, your FOOD in the refrigerator, and your BODY in the bathtub.  If it doesn’t pass that criterion, then it is NOT market ready.  For vacant apartments that are not ready AT LEAST HAVE THEM TRASHED OUT.  The last thing you want is for the reviewer to inspect a vacant unit that STINKS and is full of trash.  We all know that this happens and is part of being in affordable housing, but that doesn’t mean we want to rub it in the reviewers face!
  • Make sure your common areas are neat and clean and have no graffiti – walk them the day before, preferably the morning before the MOR and make sure that you are proud of how they look.  Make sure trash is taken out, doors and windows are closed and do lock (if they are supposed to).  Remember, common areas are amenities that should generally make your community look better.  This is an area that is often overlooked and can make a reviewer be more inclined to give you a better score.
  • Make your community POP!  Curb appeal is important every day, but on the day of the MOR it is crucial.  Is this a community that you would stop at and walk inside, or can you see trash from the road?  Are your flowers dead?  Is your sign broken and leaning?  These are all things that make your community look bad and make it look like you just don’t care.  I KNOW YOU CARE…make sure your community reflects that.  Drive up to your office as if you’ve never been there before…what really stands out?  Is the emergency number legible, or has it been posted in the window so long it is faded and yellow?  Are your windows clean?  Slow down and take a real look at what you are reflecting to the world around you and make sure you are proud of what they will see.

You’re right, an MOR is not primarily about what your community LOOKS like and it certainly isn’t a physical inspection, but there is a physical aspect to it and a neat and clean community tell an auditor a lot about what they are likely to find. 

C’mon…let’s get physical! 

Management and Occupancy Review…(aka MOR)

January 21st, 2011

I imagine that you are sitting at your desk right now reading this and hoping that I will give you some tidbit of actually usuable information and not drone on and on about some drivel that really doesn’t matter a hill of beans in what you do every day.  Guess what?  Today is your lucky day.  I’m actually going to give you something you might be able to use!

We have all experienced some kind of audit or review…no matter what our job.  As affordable housing managers, what we experience (every year, I might add) has become more than just a simple audit to see if we understand and are performing the responsibilities of our positions to HUD’s standards.  They have become more of a test to identify one small mistake that can be written up to expose our inability.  Shameful, really.

So, I wanted to give you some pointers on getting through these dreadful Management and Occupancy Reviews…better known to all of us as MORs.  Whether you are an experienced manager who has received multiple superiors, or a brand new manager who has never even been though a MOR, there is always something to learn so that you can be better prepared.

If you haven’t already, or haven’t in a while, you need to read the HUD Form 9834it’s the TEST folks…ahead of time…all you have to do is read it.  Take time to understand it.  This is the best tool we have to prepare for and do well on an MOR.  Take a look at each and every section and examine it.  Answer it ahead of time.  Heck, write the answers down so you have them ready at the time of the review.  In order to be successful in this day and age, we need to all take advantage of every item we can. 

Print this form and add it to your tool box.  I promise it will be worth it.

I have much more to say on the subject, but my mother always told me to leave them wanting more…so until next time…

Condolences to new managers…

January 20th, 2011

I facilitated a training class today for MOR Preparation and it reminded me of how much information new managers of affordable housing have to learn.  For those of us “old timers” we tend to rant and rave about the “good old days” when life was so much easier.  Days before 3rd party verifications and EIV.  Imagine starting as an affordable housing manager today.  There is more to learn than can possibly be grasped in a short period of time.  And let’s face it, all we ever have is a short period of time, right?  I can’t explain the blank look on some of the faces that I saw today and I can hardly imagine how frustrated they must be.  Years ago, life was simpler, so housing was simpler…and yes, we’ve all had to learn the new information, but not at once.

So, I urge you to take pity on those brand new managers this year.  If you meet one, take a few minutes and share with them what you actually LIKE about your job.  Give them pointers on things you find that work; from ideas on how to keep trash picked up to a good attorney in town.  Let them ask you questions – at least a few.  And most of all, don’t discourage them with talk about how it used to be so much better when.  Remember when you first started and then imagine learning it all again but all at once.

 Bless their hearts…

Goal Setting? Really…

January 13th, 2011

I think this is how I knew I was really a grown up.  I woke up one morning and realized that for the most part, I had no goals.  No short term goals.  No long term goals.  Nothing.  I was just going about each day willy nilly hoping for the best, but becoming used to frustrations and floundering.  The more I thought about it, the more I realized that the reason I’m floundering is because I don’t have anything to aim for…nothing to keep my focus from becoming distorted or lost.  I get frustrated easily because there is no significant reason WHY I am doing the things I’m doing. 

I’ve never set goals.  I’ve never really had to.  I’ve always been the type of person that was internally motivated.  I have ambition.  Drive.  What I’ve come to realize is…you NEED goals.  You need to see progress, measure progress, WANT progress. 

 SO…2011 is the beginning of goals for me.  Not resolutions.  Not little “promises” I make to myself to do better at some things or forget about some things.  This is the year that I set REAL goals…and work to attain them.  I have set small goals…achievements I can work toward weekly…and big goals…accomplishments that will take all year (or even longer).  I set personal goals, professional goals, and spiritual goals.  I want to be able to stay on track when the going is good…and bad…

What are your goals? 

I will keep you posted…

Glad to be a grown up!

New CCR Regulations Posted

January 7th, 2011

If you own or manage a community that receives federal financial assistance you now have 60 days to make sure that this community is registered through the CCR (Central Contract Registration) government website. 

This new requirement, posted through RHIIP today, leaves little in the way of instructions on exactly how to do this, but is quick to send us to DUNS or CCR for further information.

 If you have already completed this process, we’d like to hear your feedback.  We’ve found it time consuming, but not difficult; and you need to have a lot of information at your fingertips to make the process quicker.

We suggest that the entire process is completed for one community so that you can find out exactly what information is necessary to complete the registration and then compile this information for future registrations.

Good luck!  Happy Registering…

Nostalgia…on flying over the mountains of Southern CA

December 16th, 2010

It is strange how being 35,000 feet in the air can give me some much needed perspective.  I find that the flight anywhere can be relaxing, but over the desert in the southwest I seem to be even more contemplative than normal.  Is this because there are so many childhood memories wrapped in the view from this tiny airplane window?  I find myself eargly sitting forard to peer outside as if at any momen tI will find myself aware of my surroundings.  Ironically, if the pilot had not told me we were passing Mt. San Jacinto, I would never have known!  It looks welcoming from the air.  I know it not to be so.  As we continue, I think I may see Yucaipa and I am again overwhelmed by a wave of memories.  I’m grateful I did not sit on the other side of the plane and have to come face to face (so to speak) with even more intimidating memories.  I will be thankful to be in a plane headed to Fresno where nothing is familiar. 

Then, I start to wonder if this is a normal occurrent – wondering where life might have taken me…us…if events had unfolded differently.  Is it arrogance or faith that makes me assume that life turned out exactly as it should have and how is it that people get to that point in their lives where they have no regrets?  I don’t have many and I’m not even sure I would classify them as regrets…maybe just “what-ifs?”  I can’t imagine my life without David and Stephen and Anna, but am I a little nostalgic and curious of what might have been?  Of course, I suppose that is part of human nature.

On the other hand…be thrilled with what you have and don’t wonder why might have been is great advice too.

Ambivalently yours!