Category Archives: HOA Issues

My Ego Conflict

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I hate to call it a character flaw while still admitting the possibility that I’m sometimes loathe to reveal ‘insider information’ about the Neighbors At War website. But it’s clear it’s becoming a growing clearinghouse of ideas proposed to solve a serious social problem. Sure, I’m a mercenary trying to pump up sales of what my ego tells me is a pretty good book. At the same time, large numbers of people are actually coming together and learning and sharing ideas on how we radicals, we wretched masses of the discontented can come together to have a profound impact on changing a very flawed American institution.

But once again, the numbers are part of the story. And here they are. By the end of June more than 3 million pages of material from this website will have been taken into the public domain over the past twelve months and used, hopefully, to educate other people about the dangers of living in, or getting involved with a Homeowners Association.

388 thousand visitors have taken the time in the previous twelve months to read, copy and pass judgment on these pages. And that means that all 388 thousand visitors have decided that Neighbors At War, not only gives them a forum where they can exchange ideas, but it also gives them new ideas about understanding a unique American conundrum: Why are so many millions of Americans willing to voluntarily surrender fundamental human and Constitutional rights in order to ‘join’ mini-Socialist enclaves where ‘groupthink’ is used to homogenize the thoughts and behaviors of all other members. Is small-scale Socialism as expressed in the HOA model really as fearsome as many of us think? Spying on neighbors to model and control behavior just seems so fascist. What am I missing?

 

Gold? Fuggeddaboudit!

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After the financial blogs of the past two nights, let me pass on another warning about the approaching housing market disaster: I’ve have lots of questions about using gold as a hedge against whatever is coming.

Please listen carefully: Do not! Do not! Do not buy gold unless you truly understand it, which I seriously doubt anybody does!

Look at the charts linked below: every peak represents a person who’s won a fortune in gold investing at the right time.  But that subsequent valley represents an investor who’s lost a fortune in gold investing. If you think you can time the market you’re just flat out wrong. Many’s the speculator who bet on gold to hedge a collapsing economy and ended up as a net loser.

If you ever see that I’ve made a fortune in the gold market, then I give you carte blanche permission to tell everyone, “Ward cheated. He’s a liar. He’s a shyster.”

Betting on gold is worse than going to Vegas. Stay home. Pay the bills. Buy some emergency rations, enough to last your family for a few months. Don’t go nutty on me. We who are questioning the HOA debacle aren’t survivalists. (I have serious doubts that a survivalist can survive much of anything, anyway.) We’re just carefully analyzing an approaching disaster that every economist in the country is talking about… and puzzling over. There are just no clear answers. But I guarantee there’s a phalanx of con men out there being trained to take advantage of your fears.

(is gold really a good investment?)

http://www.telegraph.co.uk/finance/personalfinance/investing/gold/10019128/Is-gold-really-a-safe-haven-asset.html

 

Starting a New Month

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OK, some straight talk, here. We have a ton of people coming to this website. Those people are reading an average of 250,000 to 300,000 pages of our material each month. BUT THAT DOESN’T CUT IT!

Those of you who’ve read my book, Neighbors At War, know that it has a tremendous amount of important material that never makes it onto this website. You also know that my book is important for all homeowners, inside and outside of Homeowners Associations. (It’s also a fun read!) I happen to know that a lot of libraries carry my book and it’s frequently loaned to other libraries across the country. That’s pretty good traction. I know, however, that I haven’t sold my book to all of you yet.

So….

During the month of June I’m going to GIVE my book to you FREE. Well, let me partially retract that. If you can honestly say you haven’t purchased my book because you are destitute and if you’ll pay for the postage and the envelope (approximately five bucks) I will send it to you for free. Geez, what other author has ever offered you THAT kind of deal? Oh yes, one other caveat: Once you finish the book you must make at least one other homeowner read it.

The information it contains is far more valuable than the paltry publishing royalties I get.

That’s all the huckstering… for now.

 

Blue State Blues

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Ever since I started using this website to try to hawk my book, Neighbors At War, I’ve been told by well-meaning friends and relatives, don’t ever attack Oregon. That state is so Blue it has a built-in guilt complex. Personal guilt hangs so heavy in the air in Oregon that these blue state leftists walk around in their hair shirts (see self-abuse by Monasteries) and lash their own backs with whips. It’s not the rainy weather that depresses them, it’s the load of guilt on their shoulders. I was promised I would never find a case of embezzling from neighbors in an Oregon Homeowners Association.

I should have obeyed my instincts. My heart tells me that mankind is desperately wicked and that all have sinned and come short of the Glory of God. I was right. My Oregonian friends (God love ’em), were wrong.

Comes, now, an attractive young fellow named David Kobbeman. The newspaper headline doesn’t mince words…. “Sentenced to 48 months in prison.”

There’s no way of telling how many widows he made penniless by embezzling a half million from his HOA. No way of telling how many bright-eyed youngsters will now not be able to afford college. And no way of telling how many sick babies might have found medical cures if their parents could have sold their homes and belongings to pay for new treatments.

The maddening thing….the damnably maddening thing I learned in my forty years as an investigative TV reporter is that the felons who have the absolutely most fun in federal prison are con-men. They are the king of the heap. Every criminal looks up to the con man. Every bank robber and baby molester makes a pilgrimage to the con-man’s cell. He IS THE KING!  The con-man is KING OF THE PRISON! He gets the best food, he gets the first cigarettes, he gets the best women!

Oooh, I guess I might have said a little too much, there. But yes, the con man gets the best women. Are there women in prison? That’s one of the secrets you learn if you’ve spent any time with a buddy who did a sentence at Lompoc or at another low security prison. If you’re high up in the ranks of prisoners, if you’re a con-man, you’re the warden’s good buddy. And yes, you’re occasionally taken into town to meet the ladies. And that warden wants to be seen around town with you.

Bottom line: spend your time swindling money from widows and orphans. When you’re jailed you be assured of having the best damn vacation of your life.

Believe it!

(Ok, now here’s the straight unvarnished, sanitized news:)

 

Last Call…Who Gets Stuck With The Condo?

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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!