How do you define “civilization”? I understand it to describe people who are educated, cultured, have manners and are socially and morally advanced. The dictionary defines it as “an advanced state of human society, in which a high level of culture, science, industry, and government has been reached.” Some words that are used to define the opposite of civilization are decline, destruction, ignorance, rudeness, barbarism, primitiveness. What do you think best describes life in a residential association? And how, in a country that presents itself as the most civilized, the richest, the best and the freest can we force people to live in controlled housing developments where, in many cases, those in power are rude, barbaric, abusive, dictatorial and completely wild? And finally, how do homeowners deal with some of these atrocities?
John Paskert joins us On The Commons. John is a retired military psychological Operations officer. The tactics he learned while an active duty officer helped him even out the playing field somewhat in his homeowners association. Rather than allowing the ruder and more ignorant denizens in his neighborhood to frustrate and demoralize him, he remained civilized, did his homework, and fought back in very clever and subtle ways. He shares some of the lessons he learned operating in this new arena and also tells us some of his stories. I think the big lesson here is that there is more than one way to fight back. However, trying to become a truly civilized society, where respect and cooperation are the norm, should be our ultimate goal.
Over the years industry lobbyists have convinced state legislators, and in some cases US legislators that they represent the homeowners living in residential associations, be they condominiums or homeowner associations. Gradually over the years they have managed to get legislation enacted stripping owners of rights and property and thus empowering associations. When contacted by their constituents the legislators have explained that the homeowners themselves requested the new laws. Of course that is not true. They have even gone on to say that it is the homeowners fault for their problems because they bought into an association governed development. Hopefully times they are a changing. With their ability to network, connect online and compare notes, homeowners are getting much more savvy. And they are getting active.
Fatemeh Mojtabai joins us On The Commons. Fatemeh, a condo owner in Massachusetts, encountered the perils of condo living first hand a few years ago. She searched online and discovered that contrary to what we are often told, her story was not “an isolated incident”. Further, she didn’t do anything to deserve the problems she faced and yes, it happens all the time. She met others with issues and problems in their own neighborhoods, started talking and connecting with other home and condo owners across the country and together they have started a new organization called HAARRT in order to empower homeowners and build a network of groups working together. We talk to Fatemeh about HAART, about the need to get legislation enacted to provide the framework to protect the sanctity of home and property rights and to assert control over what is rightfully ours. Tune in and find out how you can be a part of this movement and why you might want to.
An often cited benefit for residential associations used to be that they allowed the members greater control over their immediate surroundings. The other bonus they were promised was that collectively they would gain political clout. At least that was the sales pitch, along with the ever present promise of enhanced property values. It all sounded wonderful and in a perverse sense sounded sort of logical. But as we have learned over the years not everything works the way it is supposed to. In fact in the case of residential associations, the opposite is true. Not only don’t the members have control over their immediate surroundings but have lost sovereignty over their own private spaces. The existence of an HOA or Condo association is infinitely more intrusive and tyrannical than a neighborhood where the residents are on their own and allegedly have no control.
Jonathan Dessaules joins us On The Commons. Jon is an attorney in Phoenix, Arizona. As part of his practice he represents homeowners against their associations. He is one of a handful of attorneys nationwide who will only represent the owners and not straddle the fence hopping over to the HOA side when they feel like it. Currently his is in a class of his own in Arizona. He also has a blog where he discusses HOA issues and gives general guidance. It’s a great page to check out for quick guidance on some of the more common issues facing homeowners. We talk to Jon about all the usual HOA issues common to all American homeowners but we also talk about a long and protracted case that he recently won. His clients own a unit in an upscale condominium where the fees are in excess of $1,000/month. The condo shut the key card down, impeding access to the private unit and banned the use of the amenities until the owners forfeited a right they had. So much for having greater control of your immediate surroundings in a residential association.
If people knew what they were getting into, would they still buy in an HOA? I was convinced that they wouldn’t, but I was wrong. Thirty years ago, when I first became aware of HOAs and started to understand what we were dealing with, HOA mandates were already in place in Fairfax County and probably across the country as well. However, there were still pockets of older neighborhoods, so some choices still existed. Now, even most of those older neighborhoods have been razed to the ground only to be replaced by some new faddish fantasy that will no doubt sound positively utopian but in practice be unworkable.
Shelly Marshall and Michael Marshall, PhD join me On the Commons. Shelly is an HOA Warrior. She is a prolific writer of self-help books including a book on HOAs, what to look for and how to understand what you are getting into. Dr. Marshall, Shelly’s brother, is a Psychology Professor and practitioner. This dynamic duo have combined forces to answer the question; “Why can’t people hear us?”. Shelly warned Mike about the risks involved in buying a condo and told him to keep looking but that didn’t stop him. For a while everything went well until one day when his utopian dream came crashing down. So why didn’t he listen? Why don’t people learn from other people’s stories? Mike and Shelly, along with Deborah Goonan, are working on a case study, doing some research with the intent of publishing a paper answering this question. In an easy to understand and simple way, Mike explains the psychology behind human nature. He and Shelly fill in with facts, stories and typical situations that take place every single day. This is a very exciting piece of research and a fascinating interview. For all those people who believe that “HOAs are here to stay,” are you listening?
As my mind goes back over the decades to the Christmases of my youth, I recall the love and warmth of my family, friends and the neighbors. I smile at the memories of decorating the tree and the house, and relive the excitement of the coming festivities and the general sense of goodwill and joy. Of course, I had never even heard of an HOA. They didn’t exist back then and I can’t help but think how much better off we were. The biggest gift we had was that we were left alone and allowed to celebrate the way that made the most sense to us.
In the years since, we have changed the landscape of residential America. No longer are people left to their own devices and allowed to enjoy decorating their homes without threats and interference. Every little item is micromanaged to the point where the joy of Christmas has been taken out of it.
How did we ever get to that point?
Bill Davis joins us On the Commons. Bill, a Texas attorney, found himself in a number of law suits having to protect his rights and his property from his HOA. Having learned about HOA law and seen the games that were being played, it was a natural transition to representing other owners who found themselves fighting to protect hearth and home. We talk to Bill about some of his cases, and a few of the “games” that he uncovered. Many people would not be surprised at how much some of the board members resemble a good old-fashioned crime family. Bill is always entertaining and his interviews are always an eye-opener. You will want to hear what he has to say.
On the Commons will be back in the middle of January, 2018. In the meantime, we wish you all a healthy and happy holiday season.
Anyone who has ever spent any time studying the condition of housing, American style, has to wonder how We the People, took a fairly simple and straightforward concept of homeownership and turned it into such a disaster. Oh, we have been fed a lot of platitudes, lied to and with smoke and mirrors watched as individual private rights were turned into duties and obligations, making the owner a serf. No matter how one looks at it, the condition of homeownership in the US today is plain wrong. I will be offered explanations such as, “You agreed”, HOAs protect property values”, “It is the way of the future” “Get used to it, it isn’t going away.” It is all nonsense. Not everyone is going to just roll over and accept the status quo. Remember, heroes are not made of doormats.
Jan Bergemann joins us On The Commons. Jan is the founder and president of the Florida based Cyber Citizens for Justice a grass roots organization protecting the rights of individual property owners A hard working and very active advocate in all the areas affecting Floridians, Jan has studied the stories, the laws, the cases and the trends for a number of years, and he has some rather unique insights into what is happening. While his observations are mostly focused on his state, the issues are definitely more national in scope. We talk to Jan about the confusion of what an HOA really is. Proponents and attorneys will tell us it is a “contract” and that we “agreed” to the provisions of the Declaration. While we can argue that ” we agreed” till the cows come home, the fact is HOAs are contractual in nature. It should, therefore, be relatively simple to understand, shouldn’t it? Why isn’t it? And just what are HOAs, really? Tune in, we’ll tell you – well, we’ll tell you what they are not. So, what are they?
Shouldn’t we be trying to simplify life? With all the technological and scientific advances that have been made recently, we have the resources and the ability to really free up our time, allowing us to devote ourselves to our families and friends and on the things that make us happy. Instead, we are being bogged down in layers and layers of red tape. If we did get rid of the things that really make no sense, would the abuses simply vanish and would we, in effect, create a kinder, friendlier environment?
Barbara Stage joins us On The Commons. Barbara is an attorney in central Florida, where she represents homeowners as well as homeowners associations (HOAs). The slogan on her website reads; “Protecting the rights of homeowners across the state of Florida”. Barbara recently wrote a letter to the Florida Legislature advocating for greater oversight of HOAs and also for less costly alternatives to preserving one’s rights against their association. We talk to Barbara about some of the atrocities she has witnessed over the years in Florida HOAs. We find out what kind of advice industry attorneys give their HOA clients and we talk about HOAs refusing to cash checks from homeowners and sending legal notices to wrong addresses. And that’s just for starters, there is so much more. I ask myself again, what on earth are we thinking?
If people knew what they were getting into, would they still buy in an HOA? I was convinced that they wouldn’t, but I was wrong. Thirty years ago when I first became aware of HOAs and started to understand what we were dealing with, HOA mandates were already in place in Fairfax County and probably across the country as well. However, there were still pockets of older neighborhoods so some choices still existed. Now, even most of those older neighborhoods have been razed to the ground only to be replaced by some new faddish fantasy that will no doubt sound positively utopian but in practice be unworkable.
Shelly Marshall and Michael Marshall, PhD join me On The Commons. Shelly is an HOA Warrior. She is a prolific writer of self help books including a book on HOAs, what to look for and how to understand what you are getting into. Dr. Marshall, Shelly’s brother, is a Psychology Professor and practitioner. This dynamic duo have combined forces to answer the question; “Why can’t people hear us?”. Shelly warned Mike about the risks involved in buying a condo and told him to keep looking but that didn’t stop him. For awhile everything went well until one day when his utopian dream came crashing down. So why didn’t he listen? Why don’t people learn from other people’s stories? Mike and Shelly, along with Deborah Goonan, are working on a case study, doing some research with the intent of publishing a paper answering this question. In an easy to understand and simple way, Mike explains the psychology behind human nature. He and Shelly fill in with facts, stories and typical situations that take place every single day. This is a very exciting piece of research and a fascinating interview. For all those people who believe that “HOAs are here to stay,” are you listening?
I find it ironic that we spend the first 18 – 22 years of our lives learning how to be adults and to make decisions that will affect us and our lives only to end up in an HOA, feeling like we did in when we were in kindergarten. “Eat your vegetables”, “Wash your hands”, “Pick up your toys”, “Go to bed” and if you don’t behave, it is “time out” or “NO TV”. Only as an adult, supposedly having been taught how to make the right decisions, in an HOA it tends to be, “Your blinds are the wrong shade of white”, “You have an unapproved garden hose”, “no cars in the driveway”, “Too many roses in your yard” OR ELSE, “fines” “foreclosures”. and other nasty penalties hurled in our direction.
We’ve all heard the saying, “When life hands you lemons, make lemonade!” . It makes sense and sounds easy enough but what if life hands us more than mere lemons? What happens when life comes at us full force, out of the clear blue and knocks us for a loop? And that can be especially true if we live in one of the nation’s hundreds of thousands mandatory Homeowner associations. How do we make lemonade out if that mess? And that is especially true when one of the absolute big taboos is HOAs is “LEMONADE STANDS” ? Even children trying to be helpful and mature beyond their years have found themselves in the crosshairs of a rather stupid HOA. What to do?
Dr. Wes Rocki, MD, PHD joins us On The Commons. Wes is a retired physician who has been working in alternative medicine for a while. Much of his focus has been on self-healing which is something that is sorely needed in every life and especially in what resembles battle zones in our neighborhoods. We talk to Wes about our natural and normal reactions to finding ourselves being attacked and in harm’s way. We find out how to protect ourselves or, at a minimum, how to react and even how to put our opponents off balance. We touch a little on “fear” which is a big part of how we are controlled and put at a disadvantage. We talk about how we react and can take charge of at least part of the situation. You will want some of Wes’ advice in your survival tool kit.
First you scare them, then you promise to protect them and then you own them. Once that is accomplished, perpetrating the biggest consumer scam is a piece of cake. Buying a few state legislators’ assistance, creating a very lucrative stream of “free” income for the municipalities, paving the way for developers to increase their profit margins exponentially seals the deal. And that is how simple it has been to force housing consumers into HOAs where they can be robbed of their homes, their wealth and health and their peace of mind. The lies that have been repeated over the decades to scare prospective homeowners appear to have become universally accepted truths. After all, if you keep hearing the same thing over and over again, if must be true, right? However, the one thing that is true is that non HOA controlled housing is almost nonexistent in most of the country. So being told that the house you are buying is in a mandatory membership homeowner association is no surprise.
Jonathan Friedrich joins us On The Commons. When he retired, Jonathan left New York in search of lower property taxes and moved to Las Vegas, Nevada where he bought a house that needed a lot of work. He rolled up his sleeves and got to work. When he bought the house he was given an HOA disclosure package which contained a Declaration of Covenants, Conditions & Restrictions commonly known as CC&Rs. Jonathan’s concern was getting away from crippling property taxes and not so much HOAs. His focus was fixing the house he had just bought and making it habitable. He also became involved in his new community. And that’s when the imperfections of his association and association living in general started rising to the top. He dealt with all the usual insanity that seems to go along with HOAs which not so surprisingly led to the court house. After 5 long years in court, Jonathan won his case. But as the saying goes, the devil is in the details and to truly appreciate the win one has to hear the details of his story, in his own words. The twists, the turns, the lies, the misrepresentations made along the way should alert consumers of what to look for and where to look when buying a house. There may be more to come as Jonathan is not finished cleaning up the mess. Stay tuned.