Playa De Oro Neighbors Association AC

October 28, 2018 - Quarterly Board of Directors Meeting will be held November 3, 2018 at 8:00 AM at the lower pool palapa. The agenda and supporting documentation is posted here (click.)

UPDATED September 19, 2018 (originally posted April 2018) -Tentative Board Meeting Dates 2018/2019:

November 3, 2018 (changed from October 13, 2018)         Board of Directors Meeting

December 1, 2018                                                           Board of Directors Meeting

February 2, 2019                                                             Board of Directors Meeting

April 6, 2019                                                                   Annual General Assembly and Board of Directors Meeting

April 10, 2018 - The Board has scheduled a meeting for April 12, 2018 at 8:00 am, lower pool palapa. Click here to view agenda.

Updated 4.4.18 -2018 Annual Meeting documents have been added (Financial Reports) Click here to view.

3.26.18 - Quarterly Board of Directors meeting has been scheduled for April 5, 2018 at 4:00 pm. Click here to view agenda and supporting documents.

3.16.18 - Ballots have been electronically sent. Please click here to view the Annual Meeting packet.

Updated 2.24.18 -2018 Annual Meeting date is set for Sunday, April 8, 2018 at 9:00 AM at the lower pool palapa. Call to Order and board candidate statements are now posted. Click here to view.

Self Nomination form for April 8, 2018 election is available by clicking here. Forms must be received by February 19, 2018 for inclusion in the April 8 election document.

January 19, 2019 - Quarterly Board of Directors Meeting will be held January 29, 2018 at 8:00 AM. The agenda and supporting documentation is posted here (click.)

August 6, 2017 - 2017/18 Board of Directors Meeting Dates - Tentative


     October 1, 2017

     November 25, 2017

     January 20, 2018

     April 7, 2018


     April 7, 2018

All dates are tentative. Meetings will begin at 8 am and will be held at the lower pool palapa. Agendas will be posted to HOA website when finalized.

April 2, 2017 - New Board of Directors and Officers - At today's board meeting, the following board members were approved by vote and officers appointed:

President - Wayne Arnesen

Vice President - Val Ell

Secretary - Pam Swanson

Treasurer - Chris Cox

Parliamentarian - Paul Easley

Alternate #1 - Jon Zimmerman

Alternate #2 - Greg McKinney

Thank you Sharon Rhodes for your years of service to the HOA Board and the community!

March 25, 2017 - Quarterly Board of Directors Meeting will be held April 2, 2017 at 8:00 AM. The agenda and supporting documentation is posted here.(click)
March 25, 2017 - Annual General Assembly Call to Order, updated 3.25.2017

The Annual General Assembly meeting is scheduled for April 2, 2017.

The call to order (agenda) and self nomination forms are posted here. (click)

November 27, 2016 - Board Actions and information

The minutes for the November 26, 2016 meeting have been posted.

The Board has scheduled the next Directors quarterly meeting for Saturday March 25, 2017 and the HOA Annual meeting for Saturday May 27, 2017.

The Board has approved the implementation of a resort fee schedule. The basic plan is available here.

The 2017 HOA Dues schedule is available here.

November 26, 2016 - Pool covers have arrived and are currently being installed. Please do not remove the covers.

October 8, 2016 - Security and Police Informational Update

The emergency phone number for most of Mexico has changed from 066 to 911, effective 10/3/2106

The Police, Military and all Judicial branches have combined with the Campos north of town to improve security and emergency services for the north areas. There have been informational meetings with campo representatives (including security staff) to keep everyone informed and involved.  Some things that are now happening as a result include:

Police are now stationed in the Ejido. Truck #0192 is the patrol vehicle.  The officer assigned is Jose Luis

More patrols of the north campos and faster response to calls

911 is the emergency number for most of Mexico; calls go to Mexicali for dispatch

Local emergency number (for San Felipe) is 113 and you will be directly connected to the station

686-577-1134 is the landline for the local police


October 8, 2016 - New Email Address for Pool Committee
The Playa de Oro Pool committee has set up an email address so that you are better able to communicate with them directly.  The new email address is: The committee appreciates your input.
March 6, 2016

Use PayPal to pay your HOA fees!

You can pay via PayPal with no credit card fee when you use a PayPal balance or if you fund the transfer with your bank account.  The use of a debit/credit card will incur a fee, and in that case the fee is the responsibility of the person making the transfer to the Association and they must check the box to accept the fee.  Any fee that is not accepted by the person making the transfer will be deducted from the amount transferred by PayPal, and only the net amount will be credited toward Association payments.  Payments to the Association (Mexican bank account) are classified as an "OUTSIDE THE US" transaction and there is a nominal international fee of approximately 1/2 of 1 percent.  The PayPal link for the fee explanations is:

Paying Association fees should be completed with the 'Sending money to friends and family' option, NOT to make a purchase.  That will incur a commercial transaction fee, which again as above will be the responsibility of the person making the transfer and the fee amount will be deducted from the amount transferred by PayPal, and only the net amount will be credited toward the Association payments.  The e-mail to use to make payment via PayPal is:

Please use the Association's e-mail address of if you 
have any questions about using the PayPal process.

September 3, 2014

Photos of finished projects in the pool area:  wall, bathrooms, and palapas.

August 25, 2014

The Board wanted to make all the owners aware that on August 2nd PDO experienced a large amount of rainfall in a short period of time for the second year in a row.  This caused appreciable runoff and damaged some of the roads with significant erosion in the arroyo to the beach.  For the time being the arroyo is closed as we prepare to make the repairs. 

The repairs will commence soon, and at this time we are ready to make the repairs but are waiting for a bulldozer to become available for the project.  Once one is available and scheduled, we will complete the repairs and let everyone know.  We are also discussing and considering cost effective changes to prevent this much damage in the future to the Arroyo due to rain water runoff.  If we find a solution that we think will be beneficial and cost effective we will make those changes as well.

As many of you are aware the financials have been better this year, and we appreciate all of you that are current with your dues.  In the past several months we have made the following improvements:

1)  All of the palapa roofs at the pool and the bluff have been completely replaced.
2)  The roof on the bath house has been completely replaced with roof tiles to be more permanent.
3)  The wall at the lap pool has been repaired.
4)  After the recent rain we took the opportunity of "free water" to have the streets graded.  There are a few soft spots and these will be addressed when the equipment is here to repair the Arroyo.
5)  We have purchased several pieces of pool equipment to repair and maintain the systems and now have one spare pool pump on hand and fully functioning systems.
6)  We replaced the vanities in the bath house with concrete and tile that is much more durable. 
7)  We have replaced and repaired two fans at the pool palapas.

We are planning a work day in the fall and hope to have good participation.  We plan to do some painting and general maintenance and repairs. Please be looking for the date, and please plan to attend, we could use your help!

August 25, 2014

The Board wanted to make all the owners aware that on August 2nd PDO experienced a large amount of rainfall in a short period of time for the second year in a row.  This caused appreciable runoff and damaged some of the roads with significant erosion in the arroyo to the beach.  For the time being the arroyo is closed as we prepare to make the repairs. 

The repairs will commence soon, and at this time we are ready to make the repairs but are waiting for a bulldozer to become available for the project.  Once one is available and scheduled, we will complete the repairs and let everyone know.  We are also discussing and considering cost effective changes to prevent this much damage in the future to the Arroyo due to rain water runoff.  If we find a solution that we think will be beneficial and cost effective we will make those changes as well.

As many of you are aware the financials have been better this year, and we appreciate all of you that are current with your dues.  In the past several months we have made the following improvements:

1)  All of the palapa roofs at the pool and the bluff have been completely replaced.
2)  The roof on the bath house has been completely replaced with roof tiles to be more permanent.
3)  The wall at the lap pool has been repaired.
4)  After the recent rain we took the opportunity of "free water" to have the streets graded.  There are a few soft spots and these will be addressed when the equipment is here to repair the Arroyo.
5)  We have purchased several pieces of pool equipment to repair and maintain the systems and now have one spare pool pump on hand and fully functioning systems.
6)  We replaced the vanities in the bath house with concrete and tile that is much more durable. 
7)  We have replaced and repaired two fans at the pool palapas.

We are planning a work day in the fall and hope to have good participation.  We plan to do some painting and general maintenance and repairs. Please be looking for the date, and please plan to attend, we could use your help!

July 17, 2014


Tentatively, work will begin on July 17 in the pool area to redo the palapas, the bath house roof, and the vanities in the bath house. If you intend to use the pool, please be cautious around the men and materials.    

July 10. 2014

Ppresident Dan Slepian has resigned. In keeping with the by-laws and CC&R's, Jon Zimmerman, Vice President, will assume the position of the President, and alternate Sharon Rhodes will assume the position of Vice President. The existing board members have conferred regarding these changes and agree as an interim step until formalized at the next BOD meeting.

May 22, 2014

Information was sent in January regarding the closure of the Banamex branch in San Felipe.  The branch manager said consideration was being given to opening a scaled down office (Banamex Lite) some time in the future.

This June, in the office facility at the Ejido gas station (Pemex) just south of the Pelicano market, Banamex will open a small branch office for cash withdrawals, deposits, Banamex credit card payments, other bank credit card payments, payments to individuals, and payment of utility bills such as:  water, electric, telephone, etc. There is no information if there will be an ATM at this new location.

March 25, 2014

The 2014 Annual General Meeting, including the election of new members to the Board of Directors, is scheduled for Saturday, May 31st.  The fourth quarterly meeting will be concurrent with the annual meeting.

One of the primary functions of the annual meeting is the election of three Board members.

​It is time for property owners wanting to run for a position to submit their self nomination form. This form included below.  Qualifications to be a Board Member is to be current on all dues, fees, assessments, ​and a desire to ​meaningfully ​contribute to the community and property owners Association. The self nomination form submission deadline is April 15th to be included on the ballot.

The form can be filled out and emailed to the Association’s email address, or filled out and given to any resident Board member.

March 3, 2014

Link to FaceBook page with video of condo fire (wood frame construction) at El Dorado this weekend.  Three units were gutted and one damaged.  Cause is unknown as of this post.


January 28, 2014

Pics of the completed pool deck repairs:


Some of you may have heard via Facebook, a blog, or the rumor mill, that the Banamex bank in San Felipe is closing on February 7th. Rumors have already started to circulate as to the reason. To clarify what is happening at Banamex, the branch manager explained that the closing is purely for economic and financial reasons brought on by the lack of profitable business. Many other branches throughout Mexico are being closed for the same reason.

All of the accounts from the San Felipe branch are being transferred to the Banamex branch in Mexicali near the Home Depot. If you use on-line services for money transfer to your Banamex account, everything remains the same, including the branch number. If you have auto pay set up for payment of utilities, everything remains the same and the system will still work. The only immediate change is that there will not be a local branch to go to with questions or for manual withdraws or deposits. ATM cards will still work in other ATM's in town.

The branch manager said there is consideration being given to opening a scaled down office (Banamex Lite?) somewhere in town that will have an ATM and staff for only deposits, bill paying, manual withdraws, etc. Other business related services and sales of banking products would not be offered if this happens. It is a wait and see situation. In the meantime, not to worry that you are going to lose all your money.

January 27, 2014

A security guard discovered Al and Alma Ocampo's house (Block 19 Lot 11) burglarized on January 1.  The house is along the north wall of the development near the ocean.  The burglar walked across the desert north of the development, climbed over the wall and forced entry by breaking a window on the north side.  A television was taken.

Security guard coverage overnight has been two guards only on weekends.  Since the burglary one week of overtime was authorized to provide for two guards every night.  A temporary guard was hired for three weeks to work the overnight shift providing two guards every night. 

Hiring a full time / permanent guard to provide two guards for all nights is in process.

December 11, 2013

The upper pool and hot tube deck area repairs began on Monday December 10 with the worn paver removal.


November 29, 2013

Agenda for November 30, 2013 B.O.D. meeting.

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October 17, 2013

A thank you to the following property owners who participated in the follow-up development clean-up day on Saturday, November 12:

Jerry Yates, Helen Yates, Dan Slepian, Don Koontz, Jim Greene.

October 10, 2013

October 5, 2013 Community Work Day

The Board of Directors of the HOA would like to thank the following who participated in cleaning up dead vegetation, trash, and dog feces.


          Denny Flannigan                                        Daniel Robles

          Carlos Tores                                              Francisco Kinaio

          Manuel Breciao                                         Scott Parkman

          Sammie Valenzia                                      Elaine Koontz

          Renee McClellan                                       Arnie Romero

          John Forchelli                                           Melanie Forchelli

          Helene Yates                                              Jerry Yates

          Richard Lawrence                                    Joyce Lawrence

          Patty Gwinn                                               Donna Tompkins

          Mike Tompkins                                          Wayne Arnesen

          Caren Greene


In addition, the following Board members participated –


          Jim Greene                                                  Dan Slepian

          George McClellan                                      Jon Zimmerman

          Don Koontz


The effort on this day was concentrated primarily from the green area to the beach. One truck and two trailer loads of dead vegetation was removed, picked up, and taken to the Municipal dump. In addition, lighter trash, and a five gallon bucket of dog feces was picked up and deposited in the dumpster. The dead vegetation and light trash are items that happen primarily as a result of weather conditions. The dog waste left lying around is simply from lack of interest by individuals not wanting to be “Good Neighbors”. It would be greatly appreciated if all dog owners would pick up after their dogs, and not allow them to run free!


A follow-up workday has been scheduled to load the remaining dead vegetation piles and transport to the city dump, Saturday October 12. Notice will be posted and your help would be appreciated.


Thank you.

September 13, 2013

Agenda for September 14 Board Meeting:

March 23, 2014

Link below for the National Geographic article regarding flooding of the Salada between Km 70 and Km 90 and the Mexicali / San Felipe highway.

March 12, 2014

Agenda for B.O.D. meeting March 15, 2014:

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September 6, 2013

YouTube video courtesy of Denny Flannigan of erosion caused by August 29 rainfall:

Pictures courtesy of Scott Parkman of erosion damage caused by the torrential rains August 29 when almost 4" of rain fell in one day, around 2" in one hour.  In one place the erosion was over 6' deep.

August 21, 2013


Information pertaining to Fideicomisos (Foreign Trusts) and I.R.S. tax regulations:

July 11, 2013

For those of you that use Route 5 to San Felipe, having no construction for quite awhile has been a real treat.  There is a short, original roadway section with old pavement and narrow lanes from KM106 just south of La Ventana, to KM111, about 3.1 miles. Last week construction began on that section, with about a mile of detour already in the dirt. There is a lot of rock to be removed in the curving narrow section in this area, so maybe with luck they will be done by Thanksgiving.

March 26, 2013

A new Mexico information web site has been added to the Links page, www.MexExperience.comIt cover topics such as immigration, living, working, medical, traveling, and various other topics.  One sample topic from the MexExperience website is included here regarding Senior Citizen Discount Cards for use in Mexico:

INAPAM: Mexico’s Discount Card for Seniors

Topics: Living | Money
Written by: Mexperience
Published: Tuesday, March 19, 2013
One of the most popular programs that senior citizens enroll for in Mexico is the INAPAM (Instituto Nacional para las Personas Adultas Mayores) discount card. This is offered to all Mexicans and foreign residents who are 60 years of age or older and enables them to enjoy very worthwhile discounts on a whole range of goods and services including food, medicines, transport, clothing, as well as recreation and leisure activities.
The program recognizes that retired people living on fixed incomes need financial support to help them keep their costs under control.  More and more firms and businesses are actively advertising the fact that they offer discounts to INAPAM card holders, and even those who don’t may well introduce a discount on goods and services you buy if you present your card to them.  Many organizations are very pleased to give seniors a discount, and the card is a means to prove your residency and qualification status.
Once enrolled, you receive a plastic card that, when presented at thousands of stores, businesses and government service agencies across Mexico, offers you significant discounts of between 10% and 50% on goods and services you buy; and an increasing number of municipalities are also offering discounts on property taxes and water bills.
Here are some examples of the services that offer discounts:
Healthcare: Many pharmacies give discounts on medications (medicines are already much less expensive in Mexico than the US, and these discounts are in addition to the lower prices Americans enjoy here), and some dentists and doctors and other medical specialists will also give seniors a discount
Public Transportation: Bus companies, airlines, and taxi firms offer discounts on fares
Food and Groceries: Local food stores, convenience stores, and specialist food emporiums offer discounts on your grocery shopping, saving you more money on your basic living costs
Leisure: Many hotels and travel agencies in Mexico offer discounts to senior citizens who present the card; also recreation parks (like Six Flags Mexico). If you plan a party, many of the party rooms (salon de fiestas) offer a discount on rentals to seniors
Eating Out: Many cafes and diners, including the national chains Vips and Toks, offer discounts to INAPAM card holders
Culture: Many museums, archaeology parks, art galleries, and bookstores offer discounts to card holders
Miscellany: A whole raft of businesses offer seniors a discount when they present their card, for example, legal firms, art & craft stores, car service and repair centers, computer sales and repair stores, clothing and apparel stores, accountants, construction firms, hardware stores, florists, printers, locksmiths, jewellery stores, beauty salons, DIY centers, stationers, plumbers, electricians, dry cleaners, veterinary services, etc.
Discount on Property Taxes and Water Bills: Increasing numbers of municipalities are offering seniors a discount on their annual property taxes (Predial) and their water bills.  Discounts, where offered, vary by municipality.
The card is available to all seniors who are 60 years or older. It’s simple and free to apply for the card.
You will need to present some official identification, like a passport or driver’s license, your birth certificate and, as a foreigner, you will also need to present your old FM3/FM2 or your new Temporary or Permanent Residency permit.  You will also be asked for a utility bill or some other document that shows your current address in Mexico.
You take these documents (as well as 2 photocopies of each) along with three passport-sized photographs of yourself to your local government office dealing with INAPAM applications (check locally where you live) and, when the application is completed, you will be presented with a card that you can use to obtain the discounts.  The government staffs a helpline that is open from 8:30 a.m. to 2:30 p.m. weekdays, to answer questions you may have, and the call is free from inside Mexico: 01 800 007 3705.
You can find additional information online about the application process here.  The page is in Spanish, and you can use the Google page translation feature if you need to.
Basic living costs in Mexico are already lower than those in the US, Canada and Europe. With the INAPAM card, seniors can enjoy additional discounts, and thus help to make their fixed incomes stretch even further in retirement.  If you want to calculate how much it will cost you to live in Mexico, consider downloading this year’s Mexico Cost of Living Guide.  If you need information about residency permits for retirees in Mexico, connect to our Mexico Immigration page.

MARCH 11, 2013

Correspondence was forwarded to us from the Association legal counsel, that they received from the Mexican Servicio de Administracion Tributaria regarding what is anticipated from US Customs and Border Protection as a result of Sequestration, specifically relating to increased delays at the U.S. Border. Although this correspondence came from the Tijuana SAT office, it is general and applicable to all crossings and points of entry.

The translated version of the notice is included on the Association counsel’s correspondence.

February 22, 2013

January 3, 2013

Just a reminder that it is that time of the year again when your property taxes are due to the Municipality . Go to the "Information" tab above for information and the web link to pay. You can pay directly from the web page, and it is advisable to pay in January to take advantage of the largest discount. Don't forget to print your receipt after paying.

December 15, 2012

Playa de Oro received less than 1/4" of rain from the storm Thursday nite, December 13.  The mountains had the first snow of the winter.  The picture is from Friday morning at the national park (
Parque Nacional Sierra de San Pedro Mártir) near the observatory by Diablo Mountain, west of San Felipe.  The FaceBook page for the national park is:

December 12, 2012


With 2012 drawing to and end, it's time for an update of the past year in San Felipe and Playa de Oro.

The highway from Mexicali to San Felipe is now basically complete! There are no more detours over what could be loosely described as temporary "roads". They are still doing a small amount of finish coat paving and lines and reflectors remain to be installed on a short stretch. There is also a 5km section from KM106 to KM111, just south of La Ventana that has not been reconstructed, but is in good condition. It is not known when this section may be redone. So, essentially the road is now either four lane or a super two lane the entire way from Mexicali. The drive is now much easier, and with most of it posted at 110 kph (70 mph), a lot faster.

A complete renovation of the Malecon, to include new sidewalks, repaired street surface, and repair or replacement of the seawall, done through a grant from the Mexican government is in the completion stages. In conjunction with this, many of the Malecon merchants have done some renovations of their establishments, giving the entire street a much needed face lift.

Several of the previously dirt streets have been paved, and we are all waiting to see how soon some of the older paved streets that are in bad condition will re repaved.

Despite the fact that the down economy has taken it's toll and some of the older merchants have gone out of business, several new small local businesses have opened. In addition, a new Calimax ( has opened, and yesterday was the grand opening of the new Bodega Aurrera (
If not already there, it is reported that there is to be a McDonalds inside the Bodega.

Here at Playa de Oro, 2012 saw the transfer of ownership of the pool complex from the developer, Parkstrong, to the Association. This, along with the previous transfer of the common areas by the beach access, completed the transfer of common area property as committed to by the developer. There were two new homes built this year, bringing the total to 72, with 24 full or "most of the time" residents.

Unfortunately, the small on site grocery, "The Limon Tree" closed, but in it's place, the Roadrunner Deli-Mart will be opening in early January. This should be a great addition to PDO, offering breakfast, lunch, deli offerings, and basic convenience items. With Rumors being open for dinner and evening entertainment, the two operations should complement each other nicely.

The Association is working with our legal counsel to make some needed changes to the by-laws of the governing corporation as well as the CC&R's. As soon as the recommended changes are finished. you will receive notification of a Special Election meeting, as well as mailed voting information to vote on the changes. These changes should eliminate several items of contention that have created past points of confrontation. Despite these issues, things have operated more smoothly during 2012 than any past year. And, more owners have fulfilled their monetary obligations regarding the HOA fees, allowing us for the first time to have a projected small reserve going into 2013. For that, the Board thanks each of you and appreciates your continued support.

Have a great Holiday season, and come visit sometime if you haven't been here for awhile.

December 10, 2012

2013 annual fee invoices are being sent beginning today. 

Full annual fees are due by January 31, 2013. 

Fees paid on a quarterly basis are due by the first day of each calendar quarter:

 January 1     April 1      July 1     October 1.

Late fees per calendar quarter are $25.

The Board is making a one–time offer to those owners who have past due fees that incurred late fee assessments in 2012.

Because this was the first year of late assessments, any 2012 late fees will be waived upon full payment of all past fees by December 31, including fees past due prior to 2012.

December 3, 2012

There was a power failure throughout San Felipe tonight between 6:30 and 8:30.  A reminder to be prepared for these types of events which happen several times each year.  Basic supplies such as battery powered lights, candles, and a generator to run your refrigerator should be first on your list.  Click the Emergency Preparedness link here or on the information page on this Association website for some detailed suggestions about several types of emergency planning.

November 4, 2012

On November 2, Rick and Lynn Bogart hosted a roof top fiesta for PDO neighbors and friends to celebrate the 7 year anniversary of the completion of their home.  The fiesta included dinner catered by Juanito, beverages, live music, and Sky Lantern launching after dark.  Pictures courtesy of George Arevelo and Denny Flannigan.



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September 20, 2012

Modifications to the Articles of Incorporation and CCRs are currently in process.  There was no property owners' response received from the solicitation for input at the July Board of Directors meeting.

July 6, 2012

The following document contains the e-mail that was sent to all property owners regarding the June 3, 2012 'NEWS' update.

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June 22, 2012

The Association Board is starting a test program to sell summer season pool passes to raise funds for pool improvements such as fencing and deck surface repairs.  This is to preclude raising the annual fee or instead of a special assessment for capitol improvements.  When the program begins July 1st the pool passes that will be issued will be posted on this news page.  The advertising flyer that is being distributed is included below:

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June 3, 2012

Some important history to help explain the current circumstances as a result of the recent Annual Meeting:


With the sending of outstanding invoices on November 15, 2011, we stated that we were facing a year end shortfall of $11,000.00 to $12,000.00. We actually ended the year about $11,600.00 short, but were able to pay the deficit with 2012 funds received early in January. This same situation, where we have had to pay December expenses in arrears from the next years income, has happened in the past. The problem is not one of income versus budget, because for 2011, we came in under budget by $2006.10. The problem is with collections and stems from late or no payment. In discussing the situation with some of the owners who have taken us up on our offer for a payment schedule, or who have contacted us to discuss why they haven't paid, we have been able to determine two main reasons for the Association’s financial situation. The first reason is the overall down turn situation with the economy, and the fact that some owners have experienced reduced income. The other goes back to an August 4, 2009 email from Lorne Cosman who had the other HOA in place, saying that ".........WE CANNOT RECOMMEND SENDING ANY FURTHER DUES PAYMENTS TO THE N.A. HOA.", ......."WE SUGGEST THAT YOU EITHER ASK FOR THEM TO BE RETURNED TO YOU OR CONSIDER MAKING A STOP PAYMENT ON THOSE CHECKS!!, and "........ALL FUTURE DUES PAYMENTS NEED TO BE SENT AND MADE PAYABLE TO:  PDO-HOA, A.C.  P.O. BOX  9011 PMB 191  CALEXICO, CA 92232".


(This address is Lorne Cosman's personal address). Despite the fact that Lorne Cosman has on more than one occasion stated that everyone needs to pay their fees, it is impossible to un-ring a bell. The Board has been addressing this second situation since the time of that email, and have made substantial headway at collections. But, there are still some, even some who have homes here, who just won't pay despite the affirmative vote of the owners that past fees are to be paid. 


Based on YTD collections, we had projected that we would not be in a "borrow forward" situation for 2012. However, with the results of the May 26, 2012 election, we may be experiencing legal fees for 2012 that we had not expected. The reason is that after the vote count at the annual meeting (included at the bottom), Lorne Cosman passed out the following document and read it during the Public Comment portion at the end of the Annual Meeting: 


5/26/2012 Meeting

The HOA General Assembly meeting is required by law to be operated under the registered by-laws associated with the ASOCIACION VECINOS FRACCIOMIENTO PLAYA DE ORO AC, AKA PDO NA, A.C.



The administration of the Association is the responsibility of the Board of Directors, and is composed of seven members.  These are unpaid positions.  Board expenses will be reimbursed whenever a majority of the Board members approve of the expense.  Director’s terms are for one year.  Directors can remain in their posts until the termination of their term for which they have been elected and successor will take over the position the moment in which the General Assembly vote concludes.




i)  By a majority of votes of the Directors, apply sanctions consisting of no use of the commons and recreational areas, a pecuniary sanction consisting of half of the annual payment of maintenance, when fails to comply with the rules of the Association or the regulations under it or regulations having previously informed.




d)  With the approval of the Board of Directors, the Association will represent the Associates, both individually or collectively, before Federal, State and Municipal Authorities, as well as by all kinds of natural or moral persons in what relates with the Subdivision.

e) To assist and help fulfill the Interior Regulation of the Subdivision Agreement for Playa de Oro, of the Delegation and Port of San Felipe, Municipality of Mexicali, Baja California and agreed to and established by the developer Parkstrong.




The Association of Subdivsion Neighbors Playa de Oro (Vecinos Fraccionamientro Playa de Oro), is a Civil Association of non-lucrative character, and must be kept away from any problem related to politics or religion, and will not allow any sexual, racist, social, religious type discrimination.  The object of the Association is of grouping the legitimate owners and holders of trust rights and that have constituted in accordance with Mexican laws the corresponding Trusteeship, of the Subdivision of PDO, (from now on called Associates) for a better coexistence, and to protect their common interests.




c)       The Directors have the authority to administer and manage the interests of the Association.

d)      The Directors can open and close bank accounts and establish banking relationships on behalf of the Association.

e)      The Directors can subscribe with any charter all classes of credit titles related to the business of the Association and when necessary, to burden, to hire and to fire but doesn’t include selling Association real estate which would require the General Membership approval.

i)        Manage cash receipts and payments.


c)       Demand and receive complete accounting reports each three months, including balances, payments.






                a) All seven Director positions are to be filled annually at each election, as required by the by-  



                a) The Board of Directors has a responsibility to be involved with all required government agencies,

                    at all levels, to ensure the developments completion.

                b) Quarterly reporting to the Membership on this subject would be reasonable.


                a) A viable plan to avoid continued yearend financial shortfalls needs to be addressed by the Board, as required by their financial responsibilities as defined by the by-laws.


The governing document regulating the activities and functions of our HOA is the by-laws.  If there is a conflict between the CC&R’s and the by-laws, the by-laws will always prevail.  Failure to follow the by-laws will only result in destroying the fabric which is our HOA.


 1)       Void the May 26th, 2012 election results due to irregularities and non-conformance to the by-laws, regarding term length of one year for all Director positions, as stated in those by-laws.  Also, CC&R amendments 2, & 3 are not relevant since those provisions already exist in the by-laws.

 2)      Approve a “Special Assembly Meeting” with the express purpose of voting for the seven open Board positions as required by the by-laws, and to give the Board an opportunity to address a viable financial plan for the remainder of 2012, to be scheduled within the next 60 days.

 3)      Post updated Articles (By-laws) of Playa de Oro NA on the PDO NA AC website.

 4)      Make this document part of the official records of the May 26th, 2012 meeting.


Lorne Cosman’s document contains his personal opinions, conclusions, and demands.  The Board has been operating under the provisions of the CCR’s that the property owners approved at the 2010 Annual Meeting.  (The CCR’s are posted on the Association’s web site.)


The Board’s response to Lorne Cosman’s demands, labeled ‘MOTIONS’ were as follows:


#1     This issue should have been brought up in a timely manner prior to the election so the Board could have addressed them and avoided creating a community wide problem post-election to deal with.


#2     The arbitrary establishment of a 60 day timeline for calling a special election was unreasonable, given the need now created by not presenting his issues in a timely manner, requiring legal consultations and proper community notification if a ‘Special Assembly Meeting’ was to be called.   The financial costs to the community for the legal expenses and the expenses of having another meeting would be substantial.


#3 and #4, the Board immediately agreed to these ‘MOTIONS.’


Lorne Cosman then publicly withdrew motions #1 and #2, with the agreement that the BOD would accept motions #3 and #4. This was done with unanimous acceptance of the BOD. Then in the afternoon of May 27, the following email was received -


Hi Don,

 I just want to take this opportunity to express my appreciation for the way the entire Board handled the meeting yesterday.  It was very obvious to everyone that the past Board has worked very hard and tried to do many things right.

Like I said at the meeting, I would like to discuss and advise the new Treasurer on how to properly account for the Parkstrong credits, from an accounting perspective.  It’s a very simple process and should allow us to do a monthly accounts receivable reconciliation, easily, and to account for revenue and expenses properly.

 I am available to help with the by-law/CC&R conformity issues as we discussed briefly.  I will begin next week.  The CC&R’s should be related to the operation of the campo, while the by-laws relate to the HOA’s operating issues.  Some issues will naturally overlap, but consistency between the two documents will be required.

 I trust you understand the responsibility we have to follow the by-laws.  This is the only registered document governing the operation of our HOA.  Our CC&R’s are not registered.

 The issue of one year terms, as stated in the current by-laws, is most crucial going forward.  After you verify this fact with our HOA attorneys, there will be some options we will be forced to consider.  As of the conclusion of the meeting yesterday, your Board position, and those of Greg McKinney and Tim Brown, came to an end according to our current by-laws.  That leaves us with three open Board positions.

 We now have three viable options, each with their own set of issues and problems:

1)      Operate the Board for the next year with only four Board members per our current by-laws.  There is nothing in the by-laws that says we must fill all seven positions.  It appears however that this would put an undue burden of work on one resident Board member.

2)      Hold a “Special Assembly Meeting” for the purpose of electing three new Board members.  This will prove costly and time consuming and could create issues with the property owners in terms of why this is being required or is necessary.

 3)      Since we already had 6 candidates running the May 26th ballot, make all 6 Board members.  The problem with this is that the property owners were told there were only 4 open positions that were being filled.  This might create a whole other list of issues with property owners about why this is required or necessary.

None of these solutions are issue free.  The challenge is to do what is best for the community while adhering to the intent and rules of the by-laws and, at the same time, making this as minimally disruptive as possible.

 I would appreciate if you keep me informed.  If I can help in any way, please let me know.

Best regards,

Lorne Cosman


By failing to give the Board adequate notice of his concerns regarding the one year term issue, Lorne Cosman created a situation where the three Board Members who were in mid-term were not afforded the opportunity to submit their names to be included in this election.  This effectively deprived them of the opportunity to continue serving our community under the one year standard.


In light of what has happened and is occurring, and the fact that Lorne Cosman has his attorney involved, this issue has been turned over to the Association’s Legal Counsel, hence the unexpected legal expenses that will be incurred. When we know the total amount expended on this issue, informational updates will be sent to the property owners.   Please contact the Board of Directors any time for questions or comments.


May 26, 2012

A large area north of San Felipe, including all of Playa de Oro had a  power failure last nite, totaling six hours.  Remember emergency preparedness. 

  Seen in a driveway at Pete's Camp yesterday, several Mexicans say this is a coral snake and is common knowledge to the locals.  VERY, VERY fast and VERY VERY deadly, more so than a rattle snake.

May 22, 2012

There has been a change in the financial requirements for obtaining / renewing FM3 and FM2 visas.  IT IS RECOMMENDED THAT YOU CONTACT THE PERSON WHO HANDLES YOUR VISA PROCESSING TO DETERMINE HOW YOUR PARTICULAR IMMIGRATION SITUATION SHOULD BE HANDLED IN THE FUTURE.  The bank documents now required are for the (3) months immediately prior to your visa expiration date, not (1) month as it had been.  The documents must be in Spanish or translated into Spanish, again check with the person who handles your visa processing for your particular needs.  Your minimum amounts and / or deposit activity requirements should be confirmed with the person handling your visa.

May 8, 2012

Weekday mornings at the lap pool.
7:30 > 8:30  Owners only.
8:45 > 10:00  Owners & guests.

May 6, 2012

Playa de Oro Community Park

If you have been back to PDO lately, you may have noticed some changes in the “greenbelt” area of the development.  Dead brush is being cleared away to make room for what we hope will become the Playa de Oro Community Park.  A 9-hole pitch and putt golf course is underway.  We have cleared up a lot of dead brush and put in the first two tee boxes for the 9-hole pitch and putt course.  Joyce Lawrence will make the flags for the "greens."  We are going to be cleaning out the “goat head” weeds to make dog walking in there safe for your pets.  It will take awhile to do all this.  I would like to thank volunteer workers George Arrevalo, Richard Lawrence, Jim Greene,  Greg McKinney, Bob Farell, and Jerry Yates for all of their hard work.  We welcome any and all who would like to participate.  Any monies spent have been donated.  A large community palapa and BBQ pit area on the southeastern corner would be nice but will take donations and a collaborative effort.


Helene Yates had a great idea awhile back to have a PDO community garage sale.  That might be a great way for us to get this done with minimal effort and no HOA money used.  Proceeds could benefit the PDO community park.  If you have any input to improve upon the park area or any other common area of the development, please contact the HOA.  If you have any suggestions on what you would like to see in the greenbelt area, or would like to participate, volunteer or donate to make the Playa de Oro Community Park a reality, contact the HOA.

  Thanks, Greg McKinney 


Swimming Pool Update
Greg and Melissa McKinney volunteered to repaint the waterfall feature and some of the concrete palapa pole bases at our pool area.  The materials were donated by the McKinney's and Jim Greene.  Additional volunteers are needed to help finish repainting other needed areas around the pools.

Pool Bands
The only authorized wristbands for use at the pool are the Association's 2012 orange /white owner's silicon rubber bands and the Association's temporary guest / visitor bands.  We are now issuing the yellow bands and ask owners who may have some of the silver bands from the last two years not to use them and get the new yellow bands.  No other bands are valid for use at the pool.

April 25, 2012

The voting information packets with ballots for the May 26th election are in the mail. You should receive them within the next week, and they must be received back to us by Friday May 25th to be counted in the election. There is additional information pertinent to the election on the Association website. However, if you have a question that you feel you need additional information on, don't hesitate to contact us.

On the ballot for vote at the May 26th election, is a proposed CC&R amendment regarding BOD responsibility. Due to the nature of the amendment and the possible legal ramifications if it were to pass, it was decided to have the HOA legal counsel review it. After this review and research of the bylaws of the Association, on April 20 2012, we were informed that the bylaws contain the following wording of note highlighted:


 FIFTH ARTICLE. The Association of Subdivision Neighbors Playa de Oro (Vecinos Fraccionamiento Playa de Oro), is a Civil Association of nonlucrative character, and must be kept away from any problem related to politics or religion, and will not allow any sexual, racist, social and religious type discrimination. The object of the Association of Subdivision Neighbors Playa de Oro (Vecinos Fraccionamiento Playa de Oro), is of grouping the legitimate owners and holders of trust rights and that have constituted in accordance with the Mexican Laws the corresponding Trusteeship, of the Subdivision Playa de Oro, (from now on called Associates) for a better coexistence, and to protect their common interests. To achieve these ends, the Association will have the following intentions and faculties:

a) Cooperate with the Authorities in monitoring compliance with the Federal, State or Municipal current laws.

b) Coordinate the actions directed to the improvement, conversation and maintenance of the Subdivision and its surroundings, taking to effect all the acts of defense and protection of the private and the community patrimony of the Associates.

c) Promote the common good of the Associates, prevailing the interest of the majority over particular interests, always encouraging the union, harmony and coexistence of the Associates.

d) With the approval of the Board of Directors, to represent all the Associates, both individually or collectively, before the Federal, State and Municipal Authorities, as well as before all kinds of natural or moral persons in what relates with the Subdivision.

e) To veil and to make fulfill the Interior Regulation of the Subdivision Playa de Oro, of the Delegation and Port of San Felipe, Municipality of Mexicali, Baja California, as well as the regulations established by the developer Parkstrong Society of Limited Responsibility of Variable Capital dated first of March of two thousand four.


In explanation, the bylaws of the Association are the actual governing rules of the Association, that are recorded with the government. The CC&R's, are the day to day operating plan of the Development, under which the BOD operates to provide the services and establish practical rules for owners and guests to follow.


With acceptance of the proposed CC&R amendment, the highlighted sections of the Fifth Article of the Bylaws, are no longer an optional "Authority" to represent the Associates in total, but become a mandate for involvement, resulting in possible additional expense to the HOA for legal counsel involvement, additional time involvement of Board members, and most probably, additional legal expenses for the stated litigation.


Based upon the legal opinion of the Association’s attorney, the Board’s stance continues to be that approval of this amendment would not be in the best interest of the Association, and would not benefit owners in general.


Thank you, and the Board of Directors look forward to your participation in this election.

April 23, 2012
The Board of Directors would like to thank Lorne Cosman for his idea to have property owner volunteers assist the security guards with pool usage monitoring during the busy Easter weekend, and for coordinating the scheduling of the volunteers.  The pool monitoring very was successful, and a conservative estimate is that well over 100 unauthorized persons were prevented from using the pools and pool area.  A big thanks to the property owner volunteers who participated in this effort:  Lorne Cosman, Patricia Gwin, Jim Greene, Bob Farrell, Richard Lawrence, Eve Carrington, Pam Gaffin, Sandi Flannigan, and Don Koontz.

April 7, 2012

The 'Rumors' restaurant and bar is no longer selling Association pool 'day' passes to the public.

The temporary pool wristband for renters or property owner's guests when you need more bands than the four permanent rubber wristbands will now be a solid yellow color.  Please get them from Don or Jim or email ahead of time and the bands can be left for you at the security booth for when you arrive.

April 3, 2012

Security for Thursday - Sunday for this upcoming Easter weekend has been increased.  Two guards will be working each of 12 hours shifts  6am-6pm, with an additional two guards working 10am-10pm to work during the busy time of the day around the pool and to monitor traffic inside the development.  One temporary guard will be hired to complete this staffing level.

March 29, 2012

Angel Villanueva submitted his resignation as an Alternate Board Member via the following e-mail at 12:10 p.m. March 17, 2012:

Sorry but I get no chance to be able to form part or the HOA board.
So this is a request to decline my participation this time.
Thank to you.
Angel Villanueva

March 7, 2012

The hot tub will be heated full time until further notice.

March 3, 2012

The 2012 swimming pool wrist bands are now available.  Make arrangements with Don Koontz or Jim Greene to get them.  There are (4) bands per owner and fees must be current. 

Temporary bands are available if more than (4) bands are need for your guests or renters.

March 1, 2012

There was a power outage in most areas north of San Felipe at around 9 p.m. on Friday February 24.  Power to most properties at Playa de Oro began to resume around 3 hours later.  Some properties in scattered sections closer to the beach remained without power.  The electric company was notified of the continued outages early on Saturday morning and initiated a work order.  Power was anticipated to be restored sometime on Sunday but continued to be out.  A work crew replaced a blown fuse on one of the three supply lines coming from the utility pole in front of Playa de Oro around 9 a.m. on Monday.  Most of the houses that experienced the extended outage had the refrigerator contents salvaged by on site owners who had keys for access.  It is recommended that absentee home owners have provisions for property access in emergency situations.  Those home owners who did not have someone with access to their homes should evaluate their refrigerator contents as soon as possible or upon their next visit.

A few owners had generators or access to borrowed generators during the outage.  Some owners have since purchased a generator for future emergency uses or are planning on a generator purchase.  Emergency planning and preparedness for utility interruptions or catastrophic events is encouraged, as self sufficiency is necessary because support services for these situations is not the same as in the U.S. or Canada. 

There is an emergency preparedness page link on the "INFORMATION" page of this web site or click on the following link:  EMERGENCY PREPAREDNESS.  This link to the CDC has time recommendations regarding food safety during power failures.

The included photo is the fuse that was the cause of the extended power outage.

February 22, 2012

The swimming pool property transfer has been completed and the ownership documents (escritura) will be posted when we receive them.


The water company has posted notices on properties that have existing water meters where the monthly billing fees have not been paid.  Fees accrue whether or not the meter is being used.  Property owners with delinquent water fees should contact the water company if the billing is in their name or Parkstrong if billing has not yet been transferred, before the meters are removed and / or additional penalties accrue.  Click on the attachment to view a copy of the notice.

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February 9, 2012

Eve Carrington submitted her resignation from the Board of Directors via the following email at 0957 on February 9, 2012:
     This email represents my resignation as Treasurer from the HOA board effective immediately.
     Eve Carrington



Playa de Oro Neighbors Association A.C.

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