I'm new to this forum. Can you all give me some advice?

First, congratulations on volunteering for the board. And you mad the right first step in doing some investigation into what that means. There are a large number of articles about being a board member at:
http://www.communityassociations.net/board_leadership_main.html

With respect to potential liability, you will need to make sure that the board has a good Directors & Officer's Liability policy (read it, have it explained by the agent, and know what ALL of the exclusions are), and that the board follows the governing documents as carefully as they can, and that when you don't know something, you find an expert to help.

As for having a husband and wife on the same board, while it may work in a few instances, most of the time it causes problems. Besides, a board member should be able to go home to something other than association business.

Good luck

board membership often is a "what you put into it" quagmire: if you let it consume your life, it will. However, if you put it into perspective, and deal with it like a business, it can be managed.

Myself, for instance: it is acceptable for people to leave checks at my door. I check the post office once per week for mail. I dedicate one night a week to do letters, notices, etc., and only two hours at that. our accountant does the books once per week, then saves all the rest of the incoming material for the next week. I will accept phone calls during normal "awake" hours, will not accept them after 10 pm, and do not deal with issues that the city police or code authority can better handle. I require all actual complaints be made in writing (for records), and will chat with anyone about anything... but will only take action with a written complaint.

Granted, i have a small community, but i think my point is: set some rules for yourself, communicate them to others, and stick to them. Only you know what you can afford to invest in the process.