Category Archives: Foreclosures

A Second Look At Fire Safety

guest blog by Nila Ridings

Wow! $20 and a canister the size of a tuna can proves to be a life saver.

Hardware stores sell them. Installation is simple. Buy one for you and one for a gift…far better benefits than another pair of slippers or a chotsky for the bookshelf.

(KCTV5 story on fire suppression device)

And…Don’t Let The Dryer Start A Fire!

Clean the lint trap with every use. And keep the exit lines cleaned, too.

Sometimes this might require hiring a professional. I found a company that cleans heating and cooling duct work that also cleans dryer lines. I had this done when I bought my townhouse and was shocked when I saw the pile of lint outside. The technician said from his experience I was lucky I did not have a fire. And from the volume of accumulated lint it probably had not been cleaned since the place was built twenty years earlier!

(Consumer Reports story on dryer fires)

 

Condo Fires In The Past 90 Days

guest blog by Nila Ridings
 
The new year is not off to a good start for Ewing Township, Dallas, Branson, and Boulder.  Condo fires have left them with injured firefighters, displaced residents, and causes unknown. 
 
It is time to discuss fire safety in your home, condo, townhouse, or any other abode.
 
1 ) Do you own fire extinguishers?
  
2 ) Do you know how to use them? 
 
3 ) Are they stored with fast/easy access? 
 
4 ) Have they been checked by you or professionals? (see the video in the link below)
 
5 ) Do you have working smoke alarms with good batteries?  Are they tested monthly? 
 
6 ) When house guests visit do you show them where the fire extinguisher nearest their room is located?
 
7 ) Do you move the BBQ grill away from flammable surfaces and keep an extinguisher nearby?  (see link below for helpful hints)
 
8 ) When you stay in hotels do you make a note of where the fire alarm is and how many doors you are from the stairwell exit?
 
9 ) Do you know to NEVER throw water on a grease fire?  Use flour, baking soda, or smother the fire with a towel. 
 
People who do not have a fire extinguisher or know how to use one panic at the sight of smoke or flames.  It’s best to know how to fight the fire than to run around screaming.  Or grab your cell phone and start filming as some of these condo residents have done.
 
Many local fire departments will come out and change smoke detector batteries for you.  Check with yours if you need some help.
 
Last but not least, the link below offers information on buying an insurance policy for your condo.  There is a difference between condo and homeowners insurance policies.
 
In attached housing we can quickly become victims if our neighbors lack concern for safety.  Who knows what chemicals they may be storing?  Or how often they fall asleep with a lit cigarette.  Which ones leave their laptop computer on their bed all day which can cause the battery to ignite?  Lest we forget the ones that have saved newspapers and magazines since 1962 and then stack them to the ceiling.
 
With all this risk for fire it would make sense that sprinkler systems should have been mandatory to obtain building permits!  Oh wait…THAT would have taken money out of the developers’ pockets and raised the sales cost on the units.  
 
Money versus Safety.   Money always wins.
 
 
 

HOA Crap vs Hanging Crappers?

guest blog by Nila Ridings

If the CAI sees this video they will hang their hat on this being a justifiable reason for the existence of HOAs!  Yes, HOAs would prohibit this from happening for sure.  But is putting up with the crap from the HOA better or worse than this?  
 
Is this revenge for a newly-erected fence?  Or is it an eye for “art” that includes a tree “monument” to honor Sir Thomas Crapper?  He’s famous for… well, he’s just famous.
 
After living in an HOA, I could find the humor in this if it meant I was living HOA-free.  I’d even buy the first 100lb. bag of bird feed.
 
But something tells me the city codes enforcement agent will be out soon to write a violation for some kind of hazard.
 
Under any condition will these neighbors ever be able to live in peace and harmony?
 
 
http://www.krdo.com/news/toilets-and-sink-hanging-around-tree-in-front-yard/24997508

Every City Needs A Joe!

guest blog by Nila Ridings 

I can name on one hand the cities that have television reporters that will actually expose an HOA and their bad actors. Or HOAs that refuse to allow homeowners access to the financial records.  Nope, pretty much television stations have gotten the “memo” on not covering HOA stories.  Or so that’s the way it appears.  Phoenix has Joe Ducey and he doesn’t hesitate to expose the HOAs.  He actually invites homeowners to contact him with their HOA nightmares.  So, Arizonans…Let Joe Know!  And pass along a heartfelt “thank you” from all of us!
 
This video…intentionally blurred…hummm, I wonder why?  I’m laughing.  I know WHY and so do you.  Regardless it’s typical of an HOA meeting.  Is there any wonder why homeowners don’t attend HOA meetings?  Are they afraid of being physically hit, yelled at, and bullied?  Or do they chose to spare their nervous system the extra stress for two hours once a month?  At my HOA some of them “premedicate” from a glass bottle or an aluminum can before walking through the clubhouse door.  
 
Some might find it entertaining while others find it obnoxious.  Either way, “welcome” to meeting night at your lovely HOA!
 
 
 

Last Call…Who Gets Stuck With The Condo?

guest blog by Nila Ridings

Occasionally I talk with a condo or HOA homeowner who tells me they are working to pay off their mortgage so they can leave the property to their kids debt-free when they die.  None of us knows when we are going to take our final flight, but we all know the risks of owning in a condo association or HOA.  For those who don’t, I’d suggest spending time on this website and reading Ward’s book, Neighbors At War!
 
I’ve watched the results of this plan play out over the past few years.  When heirs live out of state they sell for whatever they can get or turn their new property into rentals.  Rarely, do they move into the unit.  And they have no clue what is going on inside of the HOA , who is running for the board, how many lawsuits are pending, or if the HOA has taken out a million dollar loan.  They’re clueless and have absolutely no interest in knowing more.
 
If they can’t get the property sold and don’t want a rental, they are stuck paying monthly dues to the HOA. While there is no water, sewer, or trash usage during that time the HOA bill continues, along with taxes and insurance.  If at some point the HOA slaps a lien on the property there is an amount to be paid that nobody knows about. Or, the lien was satisfied but the HOA never released it.  Possibly the deceased wasn’t aware of it, but it’s there and it has to be paid before the place can be sold.  Or an assessment pops up and heirs are on the hook to pay that, too.  Suddenly, this inherited real estate becomes a pain in the neck and/or a financial burden to someone who can’t afford the extra expense or deal with all the added stress.
 
We learned in Neighbors At War that mortgage-free HOA properties also become targets for non-judicial foreclosure.  Since corruption never misses an opportunity the dead are not exempt from HOA abuse either.
 
During a recent conversation with an HOA property owner I learned something that I expected was coming.  This individual wanted a reverse mortgage only to learn that isn’t possible because the HOA is not FHA approved.  The advice given was to take out the maximum amount in a mortgage, enjoy life with the money, and when the money runs out or the final breath is taken, the kids can let the property go back to the mortgage company and walk away.  If the HOA opts to foreclose, so be it. (Who needs a good credit rating to get into the cemetery?)
 
Bottom line is: hundreds of thousands of dollars tied up in a covenant controlled and often times corrupt HOA is not a way to leave your heirs feeling loved.  It could bring them a financial burden that could drastically change their lives and leave them feeling angry with you for leaving them in such a financial mess.
 
No one lives without dying.  Careful thought should be given to how we wish to be remembered.  Hopefully it won’t be that generations to come are left sitting around holiday decorated dining room tables discussing Mom and Dad or Aunt Matilda’s HOA nightmare that was “supposed” to be an inheritance!