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JackB8 (Virginia)
Posts: 141
Posted:
Who can a homeowner go to, other than an attorney, for help when the board of directors makes a decision which violates state law. In this case the board is spending money to maintain street signs which are the responsibility of the state and county.
GlenL (Ohio)
Posts: 5,491
Posted:
Jack I'm not sure that they're violating a law by maintaining them, perhaps a Covenant. The first thing I would do is write a polite letter to the BOD asking why the HOA is paying for something that they shouldn't. It could be your streets are not maintained by the state/county but owned by the HOA in which case the signs are probably the HOA's responsibility.

Studies show that 5 out of 4 people have problems with fractions
SusanW1 (Michigan)
Posts: 5,202
Posted:
Are your streets private? Ours are and we have to purchase all our own signs, i.e. no Parking on Street, Speed Limit, Caution Children Playing, and Load Limit signs.
MicheleD (Kentucky)
Posts: 4,491
Posted:
Our HOA maintains our street signs and the roads are county owned.

Why do we do that? Because we have to since are signs are not the standard ones, but rather "designer" signs.

But it couldn't cost a whole heck of a lot. Ours cost $150 each. We replace maybe one or two a year (and usually because someone steals them).
KirkW1 (Texas)
Posts: 1,665
Posted:
I doubt there is any law against the HOA paying for the signs. Further, I doubt that you could build a solid case that it violates any of the HOA rules either. The HOA exists to improve the neighborhood and taking care of signs improves the neighborhood.

Perhaps it is the city's responsibility. But for a few bucks more you get to keep the signs in better shape.

You have every right to disagree with this sentiment of course. But your best recourse is the elections.
RobertR1 (South Carolina)
Posts: 5,164
Posted:
BB,
Your post is clear that the Board has taken action and is expending these funds.

Ok, get the announced authority they are using to spend the money and get copies of receipts showing the expenditures.

Next get the state law that provides for the state to maintain the signs.

Go to a Board meeting, present your evidence and ask the Board for an explanation. If these signs were always maintained by the state and you can prove this, question their authority to change.

You have to go to the Board. Why would you want to go somewhere else?
Is that the real question here? You can not find out from the board.
On the other hand you have stated the Board and made a decision and taken an action, so maybe you need to take a group to the meetings and question the Board. Any other problems bothering you?
JeanneK3 (Maryland)
Posts: 562
Posted:
Virginia now has an Ombudsman for common ownership communities. If the board cannot satisfy your concerns, contact the Ombudsman.
Jeanne
DonnaS (Tennessee)
Posts: 5,671
Posted:


Jack,

Your complaint is that the Board is spending association funds on street signs, making a decision to do so which violates State law. Boards are responsible for maintaining and replacing certain items within the developement which should be spelled out in your governing documents. Normally (I stress the word normally) the members do not have involvement in these decisions once the budget has been aproved. So if the Board is following your documents on how they spend your money, there should be no issue with them.

So why are you saying that they are going against State law? Either the County, OR the State, OR the association has to care for the signs. You need to find out for sure who that is before you file a complaint with anyone.
TracieS (Colorado)
Posts: 460
Posted:
You know, sometimes the association spends funds on things that are muni/county/state responsibilities (even public roads, etc).

Riddle me this... You're walking around your association. You notice that city-maintained sidewalks are cracking, and elevated more than 2" (slip/fall hazard). What do you do? You call the city...it's their responsibility, right? So, you call your roads department, and they tell you that they'll "add you to the list", and that it could be months until they get that repair made. Well, your insurance company sent someone out, and they want that fixed because it's a serious insurance hazard... What to do...what to do... A slab of sidewalk will cost ABOUT $500 (mudjacking, less than that)...so, the association shells out that money. (I'm DELIBERATELY NOT discussing the subsequent lawsuit where blame/fault would be assigned if someone slipped and sued the association and the city.)

Not the exact same as your situation, but it's just like life...you do what you need to do to maintain the asset.

Is your Board shirking their responsibilities? Is your board WASTING HOA funds? Then you have a problem. To me, it sounds like they're trying to maintain the community. You say tomato, I say tomahto... Is it strictly a black/white issue...no, as in so many HOAs, there are multiple shades of gray.
DavidW5 (North Carolina)
Posts: 565
Posted:
Quote:
Posted By JeanneK3 on 09/03/2009 6:29 AM
Virginia now has an Ombudsman for common ownership communities. If the board cannot satisfy your concerns, contact the Ombudsman.
Jeanne

JeanneK3 is right about Virginia's recent law change which created an Ombudsman under a Common Interest Community Board (CICB). Unfortunately they are not in a position to do anything to help you. I recently attended a panel discussion of the CICB which included the Ombudsman. She explained that the implementing procedures for her office are just now being drafted (the law was passed in July of '08) and it will be a year to 18 months until they are reviewed and approved. She stated, in response to a question from the audience: "Its not that we don't want to help you, its that we can't help you". Even when the procedures are in place the law gives the Ombudsman no enforcement authority or powers.

The panel (and the CICB) is made up overwhelmingly of industry insiders (HOA Management company reps, HOA attorneys, developers reps) and a lone HOA resident. My impression is that the whole deal is just political cover for the industry so they can say "see, we are being regulated by the state and your interests (as HOA owners) are being protected."

I wouldn't count on any real assistance from this source.
MaryA1 (Arizona)
Posts: 7,043
Posted:
David,

Why not give the new board a chance b/4 stating they cannot be counted ". . .on any real assistance". The Ombudsman may have said "we can't help you" meaning "right now", in other words not until their operating procedures are emplemented. Change doesn't always come immediately especially when that change is coming from a gov't entity.

Montgomery Co has had a program in effect for a number of years that has been very effective. Their board is made up of individuals from all the stakeholder assn's, including several h/o's. It sounds like the state board may be modeled after the Montgomery Co. board.
RobertR1 (South Carolina)
Posts: 5,164
Posted:
David,
Good post.

I have been accused of only agreeing with the things that I agree with and so your post reflects my impression of how these laws, etc are instituted. I also wish the panels, all fo them concerned with HOA issues would contain more Homeowner input. I also wish it would include more reps from the professional managers groups. And IF these laws they are passing are to be effective these agency must be able to handle the volume, and I doubt they can. Florida couldn't/can't.

I don't know the answer but experience prods at me and is suggesting this is likely all another: The Fox is making the plans to guard the Chicken House.
GlenL (Ohio)
Posts: 5,491
Posted:
Why is the first option for everyone to go nuclear? While there are the exceptions we all see on the news, I have to think that most HOA BOD's are not despots out to rule the world or their little section of it. A simple polite inquiry at a Board meeting or a polite letter will generally get the information a person requires. I emphasize the word polite because people being human usually respond in the manor to which they are addressed and become defensive when attacked especially when they don't understand why they are being attacked. Which of the following do you think would get the best response?

Dear Sirs,
It has come to my attention that the HOA is paying to replace street signs in our community. I think that this is something that should be done by the state or county government using tax dollars. Could you please explain why HOA funds were used for this?
Thank you,
HOA Member

You Bas***ds,
How dare you waste my assessment money to replace the street signs instead of letting the state or county do it? All you guys do is waste our money. Explain yourselves immediately or I'll report you to the government and see to it that you are all voted off the BOD.
Sincerely,
Your Worst Nightmare

Studies show that 5 out of 4 people have problems with fractions
DonnaS (Tennessee)
Posts: 5,671
Posted:


Glen

Option #1 And as I stated, considering all factions in this case, the Board still has the responsibility to maintain and replace items that it deems nescessary. We still need answers from the O.P on who owns the signs and why he feels that the Board violated State laws
MaryA1 (Arizona)
Posts: 7,043
Posted:
I seriously doubt there is any violation of state law. But just like so many people like to say "it's a violation of my constitutional rights", many others like to say "it's a violation of state law." We even had an AZ State Rep say that HOA's restricting parking on the streets is a violation of state law. It isn't but she repeated that to all the legislators until one asked her to quote the specific law. I guess it's just human nature and it sounds good when you're trying to justify your position.
DonnaS (Tennessee)
Posts: 5,671
Posted:

Yup Mary,

That is the mentality of so many. Pass the buck, hide behind some made up laws or case decisions. Bottom line is, find out before you accuse someone. Being a board member is tough enough without someone riding shotgun on all decisions.
RobertR1 (South Carolina)
Posts: 5,164
Posted:
Mary and Donna,
I can't say I disgree with your agreements concerning disgruntled homeowners taking it out on Board. Certainly agree criticism should be constructive, don't you.
Speculate why we have good boards and boards that don't operate well.
Would you both weigh heavily the fact that two many people are unfair in their treatment of boards, therefore, that is a cause for the creation of bad boards or the lack of participation in the association?

Now you know I am asking a fair question. Just asking for your opinion.

DonnaS (Tennessee)
Posts: 5,671
Posted:

Hi Mr. Robert,

You asked--
"Would you both weigh heavily the fact that two many people are unfair in their treatment of boards, therefore, that is a cause for the creation of bad boards or the lack of participation in the association?

No, I do not believe that is the reason for bad boards. People are people and if you get a few together who do not know what they are doing, are just basic negative in thought, sometimes mean spirited, think that they know more than others or know it alls, and are power mongers in their old age, then you have bad boards.

Yes, the membership can drive boards crazy and maybe to do react to do dumb things but bad boards are what they are made up of. Lack of member participation is always something to add to the "drives them crazy" list.

Education of the laws and documents solves many problems for Boards but there will always be those who interpret everything in a slanted way towards their way of thinking. It is a good thing that there are probably as many great Boards as nutso ones.

SteveM9 (Massachusetts)
Posts: 3,699
Posted:
Quote:
spending money to maintain street signs which are the responsibility of the state and county.

I would start by finding out if the street signs are owned by county or not. Look at your docs. Many HOA's own the street signs and need to maintain them.

If they are in fact city/county street signs they are proubably the expensive metal ones made to last forever. So your statement of them needing to be maintained leads me to believe they are cheap HOA signs that they are not responsible for.
RobertR1 (South Carolina)
Posts: 5,164
Posted:
Great response Donna,
I think you show you haven't been overly influenced with what we see day to day on this site.

I sometimes worry that I can become jaundiced just by reading so many post here. Surely we are not a cross section of the big picture here. Not sure what kind of picture this site paints as a measure of the norm. I suspect we are not norm.

But you and Mary and some other have been around a long time and it good to see that reasoning with reason plays a strong part in your thought process.
MaryA1 (Arizona)
Posts: 7,043
Posted:
Robert,

I can only answer your question based upon what my feelings would be if I were a board member. If members were complaining about how the board operated I would try to understand the basis for their complaints and make improvements or let them know why their complaints are unfounded. I like to think complaining is NOT a cause for a BOD to become errant in their duties. I think being uneducated about HOAs and not understanding exactly what their responsibilities are is a major cause. On top of that there will always be a certain % of people who let the "power" of being a board member go to their head and affect their actions.

But, frankly, I think the majority of the HOA BODs do a very good job; it's only a minority that become errant and cause hardaches (and even hardships) for thier members. On top of that I think there are just as many members who can be labeled "bad members". These are people who complain about something about which they know nothing. They are convinced the board is mismanaging the funds, violating the gov docs and state laws and just making a mess of everything. Usually they have nothing to base their claims on, they "just know it's the truth!"

I agree education is a key ingredient to being a good board member. But, I also believe the members need to be educated too.

Some boards drive their members crazy and some members drive their boards crazy!!! If all those people would just go away, HOA Land would be a happy place to live.
RobertR1 (South Carolina)
Posts: 5,164
Posted:
Mary, Thanks for your reply. Like Donna, you seem to be able to step aside and make rational sense of the big picture.

I do appreciate both your replies.

I don't want to get this all confusing either and drag it out.

A specific question to you both might be helpful. I am not sure from posting on this site that I have a good accurate evaluation of what is the norm in effectiveness of these boards. I sort of would guess you are close to the real facts, but has anyone ever seen any real studies done on how effective this kind of control is. I would think to compare HOA's, on a whole, to small towns, on a whole, would not be an accurate comparison. Has anyone ever quantized the management of HOA's and condos? Certainly there is sufficient data if the right numbers could be pulled out of representative samples.

Would someone like CAI have this data? Any comments?"

JackB8 (Virginia)
Posts: 141
Posted:
Susan
These street signs are maintained fully by the state and county using the state and county taxes we pay. Thanks for your thoughts.
JackB8 (Virginia)
Posts: 141
Posted:
Glen
These street signs are maintained fully by the state and county using the state and county taxes we pay. The HOA has absolutely no responsibility for them. Thanks for your thoughts.

DonnaS (Tennessee)
Posts: 5,671
Posted:

Jack,

What was the reason for them being replaced? Your version, is it the same as why the HOA replaced them.
JackB8 (Virginia)
Posts: 141
Posted:
Jeanne.Thanks. You've given me another avenue if I cannot work this issue out with the board.
JackB8 (Virginia)
Posts: 141
Posted:
Donna. Help me here . I don't understand your question. The signs were put up and are maintained by the county and state. They have never been replaced so I do not really understand your discussing their replacement.
DonnaS (Tennessee)
Posts: 5,671
Posted:

Sorry---new computer and it is hyper sensitive so it submitted before my fingers did.

Anyhow, who maintains these street signs. You say the State and County. Which one is it. State would not unless you are on a State Highway. County would not unless this is a county road. City possibly unless you are not in the city. Jack, which one fits here?
JackB8 (Virginia)
Posts: 141
Posted:
Donna. In Virginia it is a violation of state law. The Virginia Property Owner's Association Act says the HOA cannot maintain the signs if they are maintained by a government agency.
JackB8 (Virginia)
Posts: 141
Posted:
Donna. The state maintains the directional signs (stop, yield, speed limit, so on). The county maintains the information signs (street names, etc)
JackB8 (Virginia)
Posts: 141
Posted:
Steve. These are without a doubt state and county signs. I have been in contact with both. The bottom line is that our board is responding to a few homeowners who want 60,000 dollar(fancy) signs and homeowners who think we should give $15,000 to a swim team which is related to our community in their name only. I could start my own chess club and name it after our community and get money for my chess club if this were allowed to stand.
JackB8 (Virginia)
Posts: 141
Posted:
Tracie. We are not talking about a cracked sidewalk that might get someone hurt. We are talking about spending money to make street signs look better than they look when - as they are - they are maintained by the county. We are also talking about using HOA funds to finance special interest groups. Given the scenario you present (cracked sidewalk), as a board member I would never fix a sidewalk which is supposed to be fixed by my tax dollars. I would instead be standing on someone's desk to get the issue resolved and any lawsuit because of the cracked sidewalk would be forwarded certified mail to the people who get paid to fix sidewalks.
JackB8 (Virginia)
Posts: 141
Posted:
Robert. Thanks for your road map. We "got a convoy".
MicheleD (Kentucky)
Posts: 4,491
Posted:
Quote:
Posted By JackB8 on 09/03/2009 5:04 PM
Donna. In Virginia it is a violation of state law. The Virginia Property Owner's Association Act says the HOA cannot maintain the signs if they are maintained by a government agency.

Show it to me, because I'm from Missouri.

GlenL (Ohio)
Posts: 5,491
Posted:
Quote:
Posted By JackB8 on 09/03/2009 5:04 PM
Donna. In Virginia it is a violation of state law. The Virginia Property Owner's Association Act says the HOA cannot maintain the signs if they are maintained by a government agency.

Jack I couldn't find it. Which section please?

Chapter 26 - Property Owners' Association Act

55-508 Applicability
55-509 Definitions
55-509.1 Developer to pay real estate taxes attributable to the common area upon transfer to associatio...
55-509.2 Documents to be provided by declarant upon transfer of control
55-509.3 Association charges.
55-509.4 Contract disclosure statement; right of cancellation.
55-509.5 Contents of association disclosure packet; delivery of packet.
55-509.6 Fees for disclosure packet; associations managed by a common interest community manager
55-509.7 Fees for disclosure packets; associations not managed by a common interest community manager...
55-509.8 Properties subject to more than one declaration.
55-509.9 Requests by settlement agents.
55-509.10 Exceptions to disclosure requirements
55-510 Access to association records; association meetings; notice
55-510.1 Meetings of the board of directors
55-510.2 Distribution of information by members
55-511 , 55-512
55-513 Adoption and enforcement of rules
55-513.1 Flag display; necessary supporting structures; affirmative defense
55-514 Authority to levy special assessments
55-514.1 Reserves for capital components
55-514.2 Deposit of funds; fidelity bond
55-515 Compliance with declaration
55-515.1 Amendment to declaration and bylaws; consent of mortgagee
55-515.2 Validity of declaration; corrective amendments
55-516 Lien for assessments
55-516.1 Annual report by association
55-516.2 Condemnation of common area; procedure

Studies show that 5 out of 4 people have problems with fractions
MaryA1 (Arizona)
Posts: 7,043
Posted:
Jack,

Sorry, but I find it hard to believe the VA Prop Owner's Assn Act addresses street signs. Can you cite the exact statute which you interpret to mean it's a violation of state law? Thx!

Also, what actual maintenace is being performed on these signs? Frankly I cannot think of what needs to be done to maintain street signs, except to perhaps replace them when they become so riddled with gunshot or graffiti that they cannot be read!
MicheleD (Kentucky)
Posts: 4,491
Posted:
Quote:
Posted By MaryA1 on 09/04/2009 8:26 AM
Frankly I cannot think of what needs to be done to maintain street signs, except to perhaps replace them when they become so riddled with gunshot or graffiti that they cannot be read!

We've had some get stolen. We've had one or two get knocked over when hit by a car or truck. We've had some get blown off by recent storms (the screws rusted and the connection broke). We've had some just rust.
JackB8 (Virginia)
Posts: 141
Posted:
Mary. I was mistaken. I have been arguing this issue for almost two years and quite frankly sometimes get confused between what the Property Owner's Act says and what our Declaration says. I said it was the Property Owner's Act when in fact it is our Declaration. Our Declaration says " The Board of Directors has the authority to assume responsibility for the upkeep of the street, traffic, and directional signage and accessories, including the poles (hereinafter "Street Signs") on the public roads that either the Virginia Department of Transportation or any other governmental authority which is responsible for the upkeep of the signs _____________has not maintained the signs and to the extent that said government authority has extended permission to the association_________." VDOT and the county maintain the signs. The problem is that we have a group of homeowners who wanted to spend $60,000 last year to replace the signs with much fancier ones. They finally dropped that plan. Plan B is to paint self-help all the sign posts white. Big mistake because white draws the eye and shows (emphasizes) (draws the eye to) all the wear and tear from yard sale sign staples and small pieces of paper not removed when yard sale---for sale-----lost cat or dog signs were ripped of the posts. The county standard is an earth tone color. I object to taking on a task that I pay taxes to have done. I also object because once we paint the signs white, they become an ongoing responsibility for our HOA.
JackB8 (Virginia)
Posts: 141
Posted:
Mary. I was mistaken. I have been arguing this issue for almost two years and quite frankly sometimes get confused between what the Property Owner's Act says and what our Declaration says. I said it was the Property Owner's Act when in fact it is our Declaration. Our Declaration says " The Board of Directors has the authority to assume responsibility for the upkeep of the street, traffic, and directional signage and accessories, including the poles (hereinafter "Street Signs") on the public roads that either the Virginia Department of Transportation or any other governmental authority which is responsible for the upkeep of the signs _____________has not maintained the signs and to the extent that said government authority has extended permission to the association_________." VDOT and the county maintain the signs. The problem is that we have a group of homeowners who wanted to spend $60,000 last year to replace the signs with much fancier ones. They finally dropped that plan. Plan B is to paint self-help all the sign posts white. Big mistake because white draws the eye and shows (emphasizes) (draws the eye to) all the wear and tear from yard sale sign staples and small pieces of paper not removed when yard sale---for sale-----lost cat or dog signs were ripped of the posts. The county standard is an earth tone color. I object to taking on a task that I pay taxes to have done. I also object because once we paint the signs white, they become an ongoing responsibility for our HOA.
JackB8 (Virginia)
Posts: 141
Posted:
Glen. Please see my post to Mary about my error on the reference. Sorry and thanks for your insight.
JackB8 (Virginia)
Posts: 141
Posted:
Michelle. I corrected my mistake on the reference. Do you forgive me for trying to mislead a Missouri girl? It was not intentional.
MaryA1 (Arizona)
Posts: 7,043
Posted:
Jack,

No problem; we all make mistakes!

It seems to me you have a bunch of people in your assn who just want to make the place look classier. Some people really get caught up in "appearances". I agree with you in that the BOD shouldn't be "maintaining" the signs if the State and the Co are doing it. In fact, if these are State and Co signs I would think they would not be too pleased to learn that your assn has painted the poles. Has anyone thought to check with the authorities to see if the assn has the right to make these changes? All of our street signs are on plain old metal poles. What's wrong with earth tone colored poles????

Do you have so much money in your treasury that the board has to go out just looking for things to spend money on? Seems to me the BOD could find better projects to take up their time.
JackB8 (Virginia)
Posts: 141
Posted:
Mary. Your thoughts mirror mine. We live in a community of 350,000 to 450,000 dollar homes. We do not need 2 million dollar signs, especially when some of our folks are either in foreclosure or late on their assessment payments. The county gave the HOA permission ONLY to paint the wooden posts white, (some are metal). I just think it is a waste of money but they can do whatever they want as long as they don't use my money (my assessment) or that of my fellow homeowners. My goal in coming to this site was to find out where I can get some suppoet in my campaign to keep them away from the HOA funds in carrying out this project.
MaryA1 (Arizona)
Posts: 7,043
Posted:
Jack,

I would suggest getting a group of like-minded members together and petition the board to rethink this project. Remember, the squeaky wheel gets the oil! I agree that it's a total waste of money and will only lead to future maint. obligations and even more money being expended.

Whatever you do, please do not withhold payment of your assessments as a means of protesting this.
MicheleD (Kentucky)
Posts: 4,491
Posted:
Tough luck. You don't get to dictate what the board spends your "share" of the assessments on.

If you don't like how they allocate the money, then run for the board yourself and work from the inside to promote your own agenda.

I see nothing wrong with what the board is doing as they have apparently done their own research, already changed or mitigated their plans at least once, and have the authority to do it.

People second-guess boards all the time. Not everyone is going to be happy with every decision a board makes and people can certainly criticize and find fault with any number of seemingly innocuous projects.

But apparently it's not illegal and is within the venue of your documents for them to do what they plan to do.

JackB8 (Virginia)
Posts: 141
Posted:
Michelle
Tough luck. You don't get to dictate what the board spends your "share" of the assessments on. I do when they violate the law or our declarations.

If you don't like how they allocate the money, then run for the board yourself and work from the inside to promote your own agenda. I served on the board for three years and never "promoted my own agenda".

I see nothing wrong with what the board is doing as they have apparently done their own research, already changed or mitigated their plans at least once, and have the authority to do it. They do not have any authority except that which the declaration and state law gives them.

People second-guess boards all the time. Not everyone is going to be happy with every decision a board makes and people can certainly criticize and find fault with any number of seemingly innocuous projects. I'm not second guessing. I'm exercising my right to express my concerns when the declaration or state klaw are violated.

But apparently it's not illegal and is within the venue of your documents for them to do what they plan to do. You haven't been reading my posts.

JackB8 (Virginia)
Posts: 141
Posted:
Mary. I appreciate your insight. There are several of you on this site who have given me great insight into the proper way to handle this situation. I would not withhold my assessment payments as a form of protest. Never entered my mind. Another interesting thing I came across on this site is the fact that at least one person posted comments which lead me to believe that person is really into the power thing of being on a board of directors. When I was on the board in our community, and I will be again soon, I was nothing more than a servant of our homeowners and I thought about bthat in nevery decision I made. Thanks again.
MicheleD (Kentucky)
Posts: 4,491
Posted:
I have been reading your posts.

Anyone who serves on the board has an "agenda," whether it's to reduce wasteful spending, expand social networks, what have you. Having an "agenda" is not necessarily a bad thing. It's what motivates our actions.

But I also read where your documents do not prohibit your HOA from maintaining the street signs.

Since you served on the board for 3 years, I'm beginning to see where some of your "issues" come from.

Anyway, it's no big deal to paint them white. If the board discovers it was a bad choice, they can always repaint them.

It's not the end of the world nor is it a budgetary catastrophe. Sometimes you just have to give the opposing side the opportunity to fail.
JackB8 (Virginia)
Posts: 141
Posted:
Thank you Michelle.
MicheleD (Kentucky)
Posts: 4,491
Posted:
But we are not "servants" of the homeowners. We are stewards of the association, which exists to maintain the value of our investments.

To operate under the presumption that we are servants to the homeowners puts us in a quasi-governmental role. That is not the purpose of the association. It is a corporation with a corporate mission, not a service position to homeowners.

The homeowners have responsibilities in this equation, as well, including a responsibility to also maintain the values of the development.

When making decisions regarding assessment expenditures I try to ask not how this will "benefit" or "serve" the homeowners, but how will this benefit or serve the community as a whole to either maintain or increase the value of our investments.

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