Over the years, there have been many of us involved with trying to understand why we have mandatory membership HOAs, whether or not they serve a purpose.  And we have spent many hours discussing where they serve a purpose.  Here is what we discovered: the sole purpose is for the municipal government to collect free tax dollars.  Check it out for yourself; You have an HOA that provides you with trash removal. Snow removal, if needed, street lighting, street repairs, and other minor tweaks as necessary.  So we all paid our assessments to the HOA, trash and snow have been removed, and street lighting has been provided. All of this was done by the HOA.  And then we got our bills for property taxes.  

Property taxes?  What on earth for?  In Virginia, those of us in Fairfax County got even more outrageous news. The county government discovered they had a huge surplus of funds. After giving it very serious consideration, the board decided they worked really hard and deserved a huge raise.  I cannot believe that abuse.  “They worked really hard!” What about all the mothers who worked full-time and part-time jobs to make enough money to feed their children? I would have greatly respected them had they decided not to tax their constituents, as they did not need additional funds.  Their avarice and greed have to stop.

I look forward to having David Kahn join us again to look at the many other ways we can trim the costs associated with HOAs and bring the insanity associated with the HOAs down to a minimum.  We do not deserve to be gouged needlessly.  Stay tuned, I look forward to these discussions.  I would love to hear from all of you; you can email me at Shu1@Cox.net. I’ll share them with David and all of you on this website,

Have you ever wondered why, when no one wants to live in a homeowners association, one does? The reason is straightforward: although housing consumers specifically tell their realtors that they do NOT want to live in an HOA, that is all that is available. I talked to builders who told me the local municipal government required them to create a HOA. When I asked my representative, she said that was false; the county did not require HOAs. When I asked the people who handle the paperwork, they said yes, the county requires them.

If you want the truth, go to the workers. That was my experience in Fairfax County when I first started digging out the truth. Nothing has changed in ALL these years. Nobody likes or wants HOAs, and nobody believes they protect property values, yet they don’t have a choice.

So why are they forcing HOAs on housing consumers? Tune in to the show and find out why, in the supposedly most accessible country in the world, Americans are not allowed to own a house unencumbered by a mandatory membership homeowner association.

There is a difference between a house and a home.  A house is little more than an empty box, But you make that house a home.  Your home is no longer 4 walls and a door but it is a place that reflects who you you are.  When you walk in you get a sense of the people who live there. 

Don’t let others strip you of your personality.  Home Owner Associations have a tendency to strip you of your right to use the colors and the items you like.  These are all things that define you.  

HOAs started the ball rolling, There have been many reports of ridiculous rules over the years.  Now that mania seems to be houses with no personality in other words with absolutely nothing in them. Don’t let anyone strip you of who you are and what you are.  Cherish your heirlooms.  Your house is made of items you have chosen, bought, and lovingly displayed in your home.  

It also includes items you were given by your loved ones or handed down by your loved ones.  These are objects that should be cherished that will give you joy every time you see them and use them.  They will bring you many memories.  Cherish them, protect them, use them love them. Tell your friends and family what they mean to you.  They all make you who you are.  Protect them, use them, talk about them, and by all means, be proud of who you are and what you have that made you who you are.  People who worship empty spaces are empty people. Four walls and a door define who they are.   

I have concluded that the only real “fix” for HOAs is to ban them.   The concept of an HOA is being forced onto housing consumers against their will.  When they meet with a realtor, they tell me that they stipulated NO HOA but found themselves looking at a house in an HOA because there was nothing else available. 

Join us as Bill, and I talk about this forced housing arrangement.  Like it or not, someone will be watching over your every move.  This has led to very sad and tragic situations.  Ban them, we say, you can’t fix them!

To say that mandatory membership homeowners associations in the US were an unpleasant shock when I came to America would be the understatement of the decade because I had been led to believe that “Everything” in America was supposed to be so much better. And freer than everything in the rest of the world.  

However, all I have found in HOAs here in the US are abuses and heart-wrenching horror stories.  In all the years I have been involved with HOAs, people have been looking for FIXES.  There have been many suggested fixes; however, none of them even came close to addressing the underlying problems.   I finally realized, after all these years, that the only real and permanent fix for HOAs is to ban them.  I do believe that they need to be banned!  Nobody wants them and the Government mandates them in order to sell them.  Whatever happened to the concept of giving the consumer what the consumer wants?  People want a house in a certain school district, with easy access to their jobs or hospitals and with enough space to accommodate their needs.

If you do not pay your HOA dues, your homeowner’s association can and will foreclose on your home and sell your house on the courthouse steps.  That is well known. However what is not well known is just how widely this abusive power is being used.  Joining us On the Commons today is my good friend Caroline Douglass.  Caroline explains how local municipal governments are using this practice to collect delinquent property taxes.  

We’ve heard so many horror stories that I believe it must be stopped.  Well, now local governments are also foreclosing on homes for non-payment of personal property taxes.  Since when was that the norm?  HOAs have this phony baloney contract they keep waving under our noses,  “Oh, but you agreed! they say.    Really?  Since when does a contract of adhesion become an agreement?  

And how on earth do delinquent property taxes allow the local municipal governments to foreclose on your home?  It seems to me that the old adage of “give them an inch, they’ll take a mile applies here.  Since property taxes do not pay for the services they were designed to cover, Instead these services like trash and snow removal are being provided by HOAS TAT ARE MANDATED BY THESE LOCAL GOVERNMENTS, YOU KNOW, THE ONES COLLECTING THESE TAXES.  perhaps it is time to stop collecting them. Let’s put an end to the abuses!  DO tune in to the show,  I always enjoy having her on with me, I know you will love listening to her, so tune in and don’t miss this show.