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GreedyNovel commented on
Posted by
2 points · 2 days ago

Our community HOA was taken over by a new company

I think you mean that your HOA contracted with a new property management company?

They tried to say they can’t because of personal info.

They are completely correct. I don't know your state but my state's Condominium Act (Virginia) says a member has the "right of access to all books and records kept by or on behalf of the unit owners' association according to and subject to the provisions of § 55.1-1945".

But if you check out section 55.1-1945 you'll see there's all sorts of stuff the HOA is allowed to withhold.

Op-1 points · 2 days ago

Yes, you're right. A new management company.

In our statutes it states the only information not available is identifiable information, except for the homeowner's address, financial information of the homeowner, and violations and dues related to individual homeowners. However, it does not state that I am not entitled to see a record of all violations, sans identifiable information, to do my own verification of how many of the long-standing and obvious violations are addressed.

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1 point · 14 hours ago · edited 14 hours ago

If so, be prepared to pay for personally identifying information to be scrubbed.

The problem is that information regarding violations is typically filled with identifying information. If you are in fact entitled to summary information of that sort, you'll probably have to pay for the property manager's time to prepare that report. I can tell you my HOA had such a request a couple of years ago, and we gave an honest estimate that it would cost the Association about $400 or so, and therefore that would be the cost to provide that report. Of course, we were accused of inflating the price. Sigh.

Bear in mind you are asking for a customized report that doesn't currently exist, and the HOA is nearly always legally able (sometimes explicitly authorized by law) to charge you for services rendered to you personally of this sort.

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GreedyNovel commented on
Posted by
1 point · 17 hours ago

Target the highest interest rate CC first. Work as many extra hours at your part time gig as possible or figure out how to start getting closings and get established as an agent. Good agents are ones who close in tough market conditions.

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0 points · 14 hours ago

Always

Be

Closing

1 point · 14 hours ago · edited 14 hours ago

To pay it off more quickly, target the highest rate cards.

If you need a psychological boost to get a quick win, pay the lowest balance first. That's can be perfectly reasonable if you have a huge amount of debt on a card with the highest rate. For example, if you have one card with a $15000 balance at 20% and another with $500 at 10%, it's hard to argue too much with just knocking out the lower card for the quick win. It does cost you though, because you're paying that $500 at 20% now.

The important thing of course is to get it paid but you know that already. FWIW loan consolidation doesn't necessarily ruin your credit at all, that would happen if you (or some company you hired) tries to negotiated for a reduced balance, such as $14500 instead of $20k.

You can also look into a fixed rate personal loan with a lower rate, if you can get one. Since you've always paid on time your FICO is probably in at least decent shape, you could also consider getting a new card (or cards) with low rate balance transfer teaser offers. Think "Transfer your balances now and get 2% for 12 months!". It'll come with a transfer fee but you still pay much less for the next 12 months. Then do it again next year.

GreedyNovel commented on
Posted by
2 points · 2 days ago

I’m curious about the names on the list…

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1 point · 2 days ago

All you have to do is fork over some money and sign a NDA.

13 points · 3 days ago

I’ve had to sign non-competes for work but never an NDA. Can a person/business draw up an NDA for anything? Are there any standards?

Furthermore, if your actions clearly reveal something that was in the NDA but you don’t actually say it, is that a viable loophole? Magnus has 1000% outted hans as a cheater in very public fashion, is that acceptable by the terms of the NDA just because he didn’t verbalize it?

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1 point · 2 days ago

Since chess.com is in the process of acquiring Play Magnus, which of course Carlsen has a significant stake in, he almost certainly has to keep quiet about lots of other stuff that might impact the acquisition too.

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GreedyNovel commented on
Posted by
1 point · 2 days ago

For context, I got in some trouble and spent some time away. Don't really want to discuss this.

I'm guessing the "time away" involved being behind bars. Don't worry, we're not here to judge that and you aren't the first to post here either.

One thing you might consider is that tax authorities are usually pretty lenient if you set up a payment plan and stick to it. Seriously. Uncle Sam does want to get paid eventually but if you consistently make the payments it's actually pretty hassle-free.

GreedyNovel commented on
Posted by
1 point · 3 days ago

You're hearing this a bunch from others but repetition is worthwhile.

Get on the board. Either get elected or appointed somehow, but just get on the board.

Assuming you succeed - and you probably will since volunteers are much harder to find than people who just want to complain - you'll quickly learn the answers to your questions.

GreedyNovel commented on
i.redd.it/0prbk1...
Posted by
4 points · 5 days ago

Black can force stalemate if you promote to a knight.

After promotion to a knight, black plays Ne7+. If the king moves to g6, black follows up with Nf5+. If the king moves to f6, black follows up with Nd5+. They can continue the checks indefinitely until you either draw by repetition or the king moves away from the pawn, allowing black to capture it.

A bishop, by contrast, covers the d5 square, disallowing a check if the white king is on f6.

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2 points · 4 days ago

Your drawing line works too but I think 1. ... Ne7+ 2. Kf6 Nf5 is a prettier way to draw. Of course, if white takes the knight black responds with Kxg7.

2 points · 3 days ago

That is both a faster and more elegant way to draw, nice find.

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1 point · 3 days ago

Thanks, I'll admit to feeling a bit smug about spotting it.

Like I said though, your method works just fine as well.

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GreedyNovel commented on
Posted by
5 points · 3 days ago · edited 3 days ago

so they shouldn't be over 1k for other condos, unless, like you said, things were mismanaged or poorly planned

Mismanaged condos often have high fees. Not all condos with high fees are mismanaged. It's more likely that the $1k fee condos have higher quality services or those services come more frequently. If the more expensive condo has same-day maintenance instead of next-day maintenance or they have landscapers out every week then you're paying for what you get. The more expensive condo will likely keep everything in better shape as well so that there are fewer large replacement or renovation purchases to approach the homeowners with.

That said there are plenty of exceptionally well managed places that are inexpensive - they're just really hard to get into. For the others if you're okay with next-day maintenance and paying for things as they come up then there's nothing wrong with doing the less expensive association.

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1 point · 3 days ago

It's worth noting that most condos base unit fees on your particular unit's square footage. So even in a well-managed condo if you have the 2000 s.f. penthouse unit a $1000k/month bill is pretty cheap.

63 points · 3 days ago

why would a fee even be that high?

I mean...they answered why. Building on that though there was a Post article maybe 6 or 7 years ago about some of these condos where when they were new they had unsustainably low fees to entice buyers. They put off routine maintenance as a result so now that they're older the problems are just exacerbated and the fees have to compensate for the short sightedness behavior up front.

So yeah I agree with you. I wouldn't touch a condo with an HOA like that.

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2 points · 3 days ago

Treasurer here for an older building where these problems are definitely coming home to roost.

The original builder/developer will keep fees low to get people to buy until they can sell everything. But even after that a building can get by without lots of expensive maintenance for decades until suddenly it can't.

GreedyNovel commented on
Posted by
2 points · 3 days ago

The Four Mile Run location has consistently been reasonably good.

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