Chapter 21 - Elder Abuse
March 08, 2013
The elderly are an easy target for the HOA. Quite often they own their home out-right or have high equity. Some are not able to or don't know how to deal with the HOA and the harassment. Some are on fixed incomes and become afraid that if they are fined they will not have the money to pay the fine. There are elder abuse organizations that should be able to help or give some direction. If you have elderly parents, get involved in their HOA. Protect your parents and your inheritance.
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Chapter 22 - Speaking to Family Members
March 08, 2013
Dr. Solomon speaks directly to young and adult children who have parents living in a HOA. Even though unpleasant to talk about, he suggests protecting future assets against the HOA.
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Chapter 23 - Solutions if You Own Your Home Out-Right
March 08, 2013
If you are a homeowner who owns your home out-right or if you have a lot of equity it is important to protect your property. Two suggestions for protecting your property are: put a new mortgage on your property which will decrease your equity or put a lien against your home.
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Chapter 24 - Homesteads
March 08, 2013
A homestead will not protect you and your property from the HOA. HOAs are always paid first if there is any legal action or foreclosure. This is called a Super Priority Lien.
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Chapter 25 - Liens
March 08, 2013
As soon as a homeowner signs the CC&Rs the HOA has an automatic, implied lien on the home.
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Chapter 26 - Two Tailed Psychiatric Disorder
March 08, 2013
This is a concept developed by Dr. Solomon. There are two groups who experience psychiatric disorders: 1) Those homeowners who are harassed by the HOA and who experience HOA Syndrome symptoms and 2) the HOA Board Members. Dr. Solomon describes some of these board members as being power hungry, delusional, it is their mission or duty to make sure that all homeowners follow the CC&Rs, viewing homeowners as second class citizens. Dr. Solomon also believes that many board members suffer from anti-social personality disorder.
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Chapter 27 - Another Solution for Homeowners
March 08, 2013
Dr. Solomon enlightens viewers that they do not have permission to attend any HOA Board Meetings prior to buying a home in a HOA community. Since the potential homeowner can't attend meetings, it would be wise to meet those already living in the community to get their thoughts and opinions about the HOA and if they have had any problems with the HOA.
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Chapter 28 - CC&Rs & Governing Documents
March 08, 2013
Be aware-what you agree to today, may change tomorrow.
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Chapter 29 - The Management Companies
March 08, 2013
HOAs are non-profit organizations. The association is not suppose to make money, but they by fining homeowners. If money is needed to beef-up the reserve fund then special assessments, and increase in monthly/yearly assessments or increase fining homeowners. The HOA contracts with a management company. The management company is paid by the HOA to send fine and lien letters and assessment bills to homeowners and maintain records. If the HOA and management company are unable to collect, then files are sent to collection.
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Chapter 30 - Common Area Interest Communities
January 25, 2013
Dr. Solomon believes that the best solution for HOA communities is for the banks to stop loaning money to builders who build HOA communities. Banks tend to be one of the organizations most hardest hit when a home goes into foreclosure. They assume a lot of liability. So why do banks loan to HOA communities anyway?
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