Podcasts about hoas

On this "Kim on a Whim" segment of the Marc Cox Morning Show, Kim St. Onge shares the heartbreaking story of a woman in Arizona who was told by her HOA to remove a Memorial Day display honoring her fallen soldier brother. The tribute, which included flags and a photo of Sgt. John Kyle Daggett—killed in Iraq in 2008—was labeled a “nuisance.” Marc and Kim react to the story, questioning how far HOAs should go in regulating patriotic displays and personal tributes.

#12WeeksToPeak #negotiation #SelfImprovement #LifeLessons In this conversation, I sit down with Andres Lares, a negotiation expert, to discuss the intricacies of negotiation, leadership, and sales training. Believe it or not, we get into the importance of goodwill in business relationships. (I always leave a little meat on the bone so my prospects and business partners want to come back to work with me.)As The Sales Whisperer®, of course, we discuss the value of training.As a Brazilian Jiu-Jitsu practitioner, I discuss being adaptable as a key component of a negotiation training program.As an Air Force veteran, we get into the role of leadership in employee retention. (Unfortunately, leadership is sparse in the military, the private sector, schools, churches, HOAs, PTAs, Little League, and everywhere in between...But I digress.)As usual, balance is key in business and in life, so we look at the need for creating a balance between structure and flexibility in sales processes, as well as the significance of self-reflection and feedback for personal growth."The worst-case scenario is not a no."We agree on the philosophy of incremental improvement and the necessity of practice and preparation in negotiation and in life.We also agree on the intricacies of negotiation and the importance of tailored training for effective communication. You must understand the buyer's perspective and maintain integrity in your business: prospecting, selling, and fulfillment roles.As we say in the military, the more you bleed in training, the less you bleed in battle, so we dive into the significance of preparation, emotional intelligence, and the role of negotiation training in building confidence and credibility.Finally, Lares shares insights on the challenges of hiring skilled facilitators and the value of asking the right questions to uncover the truth in negotiations."Nothing convinces like conviction."GUEST INFO:Guest Site: https://www.shapironegotiations.com/resources/books/Guest LinkedIn: https://www.linkedin.com/in/andreslares/Guest X: https://x.com/sninegotiationsGuest Instagram: https://www.instagram.com/shapiro_negotiations_institute/00:00 Introduction to Negotiation and Leadership02:49 The Power of Nice in Negotiation06:08 Value-Based Negotiation Strategies09:05 The Importance of Training and Adaptability11:59 Balancing Structure and Flexibility in Sales14:55 The Role of Leadership in Employee Retention18:10 Investing in People for Long-Term Success20:56 The Incremental Improvement Philosophy24:04 The Role of Feedback and Self-Reflection27:11 The Importance of Practice and Preparation30:48 The Art of Negotiation and Training39:41 Understanding the Buyer's Perspective42:15 The Importance of Integrity in Sales46:43 Tailored Training for Effective Negotiation53:19 Books and Resources for Negotiation SkillsNot for the mediocre majority: Learn how I get more done in a quarter than most achieve in a decade in 12 Weeks To Peak™ https://wesschaeffer.com/12wConnect with me:X -- https://X.com/saleswhispererInstagram -- https://instagram.com/saleswhispererLinkedIn -- http://www.linkedin.com/in/thesaleswhisperer/#12WeeksToPeak #SalesTraining #GoalSetting #PersonalDevelopment

Segment Teaser – On this episode of Go Gaddis Real Estate Radio, we're sitting down with Expert Advisor Michael Crew, CEO of Homeowner Management Services, Inc, to answer the most common (and often misunderstood) questions about Homeowners Associations (HOAs). Whether you're already living in an HOA-governed neighborhood, considering buying in one, or planning to sell, this conversation will shed light on what to expect from HOA management in 2025 and beyond.

Segment Teaser – What does the future hold for Homeowners Associations (HOAs) in 2025 and beyond? This week on Go Gaddis Real Estate Radio, we're joined by Expert Advisor Michael Crew, CEO of Homeowner Management Services, Inc, to dig into the evolving landscape of HOAs and what homeowners, buyers, and even investors should be aware of as we move further into the year.

On today's Wholesale Hotline Podcast (Subto Edition), Pace reveals how he bought a property on Sonnet Drive with no money down, no credit, and 2% seller finance, eventually profiting over $200,000 through appreciation and cash flow.. Show notes -- in this episode we'll cover: Why Airbnb is a dying model, especially in HOAs and strict cities like Atlanta and Vegas—Pace explains why he's exiting the short-term rental game completely in favor of more scalable strategies. Powerful insight into balloon payments and automatic extensions—Pace details how he negotiated a 5-year renewal clause on all 31 seller-financed properties he bought from the same seller. Why Pace agreed to pay Zillow price + $10K and how he used that to negotiate 0% down—breaking down the “teeter totter” method of trading higher price for better terms. Final takeaway: Single-family real estate is a long game—cash flow is minimal, but equity and appreciation create massive wealth when you roll profits into bigger deals like RV parks using 1031 exchanges.   ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & Subto Breakout✌️✌️! ☎️ Need discounts and free trials!? Check this out for the softwares/websites/contracts/scripts/etc we use in our business: ✌️ https://shor.by/pace-youtube ✌️ ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖

This episode is presented by Create A Video – North Carolina lawmakers are pushing changes to state law to limit abuses by homeowners associations. But there's still a massive gap in current law that leaves homeowners unprotected. Subscribe to the podcast at: https://ThePetePod.com/ All the links to Pete's Prep are free: https://patreon.com/petekalinershow Media Bias Check: If you choose to subscribe, get 15% off here! Advertising and Booking inquiries: Pete@ThePeteKalinerShow.com Get exclusive content here!: https://thepetekalinershow.com/See omnystudio.com/listener for privacy information.

This week, we dive into TD's latest saga with the HOA (spoiler: it's somehow worse than last time), relive a Divorced Dad Dating Disaster courtesy of Chris that's both tragic and hilarious, and nerd out over the upcoming Naked Gun movie. From petty neighborhood drama to romantic misfires and classic comedy reboots—this episode has it all. Buckle up.

Do HOA residents give up free speech rights? Discover what the law says about signs, flags, and expression in communities. Listen now. The post Can HOAs Take Away Free Speech? | Ep. 69 appeared first on Action Property Management.

In this conversation, OP Almaraz and Paul Brady discuss the complexities of wildfire risk and insurance. Paul shares his unique background in wildfire mitigation and how it informs his work at Green Shield Risk Solutions. They explore the challenges of modeling wildfire risk compared to other perils, the importance of understanding wildfire behavior, and the innovative solutions being developed to assess and mitigate these risks. The discussion emphasizes the need for better communication and understanding between insurance providers and homeowners regarding wildfire risks and safety measures. In this conversation, Paul Brady and OP Almaraz discuss the complexities of insurance coverage in wildfire-prone areas, emphasizing the importance of community efforts, vegetation management, and the role of designations like Firewise. They explore the challenges faced by homeowners with high-value properties, the dynamics of the real estate market, and the future of insurance models in the context of increasing wildfire risks. Innovations in insurance products aimed at high-value homes are also highlighted, along with the need for standardized mitigation practices to restore confidence in the insurance market.   Highlights:   Paul Brady has a unique background in wildfire mitigation and insurance. There is a significant gap in the insurance industry's understanding of wildfire risk. Wildfire risk modeling is more complex than modeling for other perils like floods. Wildfire behavior is influenced by topography, weather, and fuels. The radiant heat from a wildfire can cause significant damage to nearby structures. Green Shield Risk Solutions aims to make homes more insurable against wildfires. Their technology utilizes updated aerial imagery for risk assessment. Homeowners can order wildfire risk reports directly from Green Shield. Defensible space around properties is crucial for wildfire safety. Community efforts are essential in mitigating wildfire risks. HOAs can benefit from hiring firms to visualize community impact. Firewise designation can positively influence insurance coverage. Reducing vegetation can lower risk assessment models over time. High-value properties face unique insurance challenges post-wildfire. The real estate market is affected by insurance availability and risk perception. Wildfire risk is becoming a nationwide concern, not just localized. Insurance companies are hesitant to insure properties in high-risk areas. Standardizing mitigation practices is crucial for restoring insurance confidence. Innovative insurance products are being developed for high-value homes. Community efforts in wildfire mitigation can lead to better insurance outcomes. Closing Thoughts This episode of All Things Wildfire serves as both a wake-up call and a guidepost for navigating wildfire disasters. Remember, preparation and community effort are key to reducing future risks. For more tips and updates, follow us on social media and visit our website.

¿Todo listo para cerrar… y el prestamista te falla?

In this episode of the Real Estate Investing School podcast, host Joe Jensen sits down with Scott Durham, a 20-year veteran real estate agent based in Reno, Nevada, who made the pivot into investing in 2019. Scott shares how he transitioned from a high-volume agent to a savvy investor doing 10 to 12 flips a year while slowly building a rental portfolio focused on short-term rentals. The conversation dives deep into the stark contrast between being a real estate agent and being an investor, and how Scott strategically blends both roles to maximize profit and flexibility in his life. He shares how flipping created the capital he needed to fund long-term passive income investments—and how buying right from day one is the key to success. Throughout the interview, Scott and Joe unpack topics like lifestyle design, escaping the hamster wheel of high-commission work, leveraging your position in the real estate world to find hidden deals, and the pros and cons of investing in HOAs. Scott also talks about why he prefers short-term rentals over long-term holds in high-cost markets and the systems he's built to keep things lean and automated. From tax strategies like cost segregation to practical deal-finding tips and mindset shifts, this episode is packed with actionable insights for agents, flippers, and aspiring investors alike. Book a free real estate investing strategy call! No experience necessary. Check out the Real Estate Investing School Youtube Real Estate Investing School Instagram Brody's Instagram Joe's Instagram Scott's Instagram

¿Vecinos "vigilantes"? Es como si le dieras balas a la "vieja del visillo"...Acompáñame por las HOAs, las patrullas vecinales, los foros conspiparanoides y los timbres con cámara en Estados Unidos, entre otras cosillas.Y si quieres apoyarnos, apúntate a nuestro canal de Patreon y consigue acceso a muchísimos otros podcasts y vídeos que subimos por allí en exclusiva.¡Muchas gracias por escucharnos!  

Ever tried brushing your teeth while scrolling through Instagram? Guilty as charged! Join me and my buddy Pat, aka Blackbird RVA, as we embark on a hilarious journey through daily distractions and the art of multitasking. From unexpected podcast setup mishaps to debating the pros and cons of phone usage while brushing, our chat is as lively as it gets. We navigate through bathroom etiquette—bidets versus traditional toilets, anyone?—and dive into the nuances of adult friendships, where breakups can make you question your loyalty to the friend group. And let's not forget the quirks of height dynamics and the playful banter that only true camaraderie can bring. As we venture further, our conversation takes on the social intricacies of house parties, weddings, and the strategic seating arrangements essential to avoiding drama. We reminisce about niche movie classics and the recent buzz around Shannon Sharpe's controversies, all while injecting humor with each twist and turn. The Vatican, the curious nature of clear energy drinks, and even conspiracy theories make their way into our banter, leaving no stone unturned. Expect laughter, nostalgia, and a unique take on current events as we blend the past and present with a touch of friendly rivalry. And of course, we dive into the intricacies of real estate investment and the challenges of dealing with HOAs, spicing up the conversation with personal anecdotes about neighborhood dynamics and entrepreneurial endeavors. Whether it's the trials of running a men's clothing store or grasping friendship dynamics among tall men, our dialogues are filled with humor, insight, and a genuine appreciation for the bonds that tie us together. So, plug in, sit back, and enjoy an episode packed with stories that will make you laugh, ponder, and maybe even question your own screen time habits.    

Kinsella on Liberty Podcast: Episode 463. A followup discussion with André Simoni of Brazil about some questions he had about applying my/Rothbard's title-transfer. See also KOL457 | Sheldon Richman & IP; Andre from Brazil re Contract Theory, Student Loan Interest Payments, Bankruptcy, Vagueness, Usury. Grok Shownotes: 0:00–29:42] In this episode of the Kinsella on Liberty podcast (KOL463), Stephan Kinsella engages in a follow-up discussion with André Simoni from Brazil, building on their prior conversation with Sheldon Richman (KOL457). The dialogue begins with André revisiting his concerns about usury, fractional-reserve banking, and the nature of loan contracts, proposing a libertarian limit on interest rates to prevent exploitative lending practices that could lead to effective enslavement. He argues that modern financial systems, including fractional-reserve banking and fiat currency, are interconnected mechanisms designed to promote unsustainable economic activity, drawing insights from Doug French's book Walk Away. Kinsella challenges André's framing, particularly his view of loan contracts as bilateral exchanges, asserting instead that they are unilateral title transfers under Rothbard's title-transfer theory of contract. The discussion delves into the impracticality of “smart contracts” and escrow-based performance bonds, highlighting the inherent uncertainties in contractual damages and future obligations. [29:43–1:39:34] The conversation shifts to a deeper exploration of risk, inalienability, and the moral hazards embedded in modern banking systems. André connects usury and fractional-reserve banking, arguing that banks exploit depositors and borrowers by offloading risk while profiting as intermediaries, creating a system akin to a Ponzi scheme propped up by state interventions like deposit insurance. Kinsella agrees that the current system is corrupt but emphasizes that in a free market with full disclosure, such practices would be unsustainable due to economic realities and the inability to insure against systemic risks. They discuss the legitimacy of loan contracts, with André expressing concern about contracts that shift excessive risk to borrowers, potentially violating inalienability principles. The episode concludes with a discussion on corporations and limited liability, with André suggesting that corporate structures exacerbate risk-shifting, while Kinsella defends the contractual basis of corporations, referencing his prior discussions with Jeff Barr (KOL414, KOL418). Links to further resources and a promise to continue the dialogue are provided.   Youtube Transcript and Detailed Grok Summary below. https://youtu.be/8AfTdeiDJD0 Links: Mercadente, The Illiberal Nature of Limited Liability: A Libertarian Critique Recent Grok conversation Libertarian Answer Man: Legal Entities and Corporations in a Free Society (Feb. 29, 2024) Libertarian Answer Man: Corporations, Trusts, HOAs, and Private Law Codes in a Private Law Society (Nov. 11, 2023) KOL414 | Corporations, Limited Liability, and the Title Transfer Theory of Contract, with Jeff Barr: Part I KOL418 | Corporations, Limited Liability, and the Title Transfer Theory of Contract, with Jeff Barr: Part II On Coinbase, Bitcoin, Fractional-Reserve Banking, and Irregular Deposits UK Proposal for Banking Reform: Fractional-Reserve Banking versus Deposits and Loans Musings on Fractional-Reserve Banking in a Bitcoin Age; Physicalist Shock Absorber Metaphors The Great Fractional Reserve/Freebanking Debate Jesús Huerta de Soto, Money, Bank Credit, and Economic Cycles Stephan Kinsella, “The Title-Transfer Theory of Contract,” Papinian Press Working Paper #1 (Sep. 7, 2024) Corporate Personhood, Limited Liability, and Double Taxation Doug French, Walk Away: The Rise and Fall of the Home-Ownership Myth My thoughts on bankruptcy and inalienability: see Areas that need development from libertarian thinker...

Jehoahaz, re d'Israele. Joas, re d'Israele. Vittoria di Hoas sopra i Siri. Morte di Eliseo.

Learn how California's SB 326 (Balcony Bill) impacts HOA lending, insurance underwriting, and Fannie Mae/Freddie Mac eligibility. Discover why a completed inspection isn't enough and how HOAs can avoid costly delays and blacklisting. The post SB326: Your HOA's Structural Wake-Up Call | Ep. 68 appeared first on Action Property Management.

Send us a textHave you ever stopped to think about what's really coming out of your faucets? This week on Take It To The Board, host Donna DiMaggio Berger sits down with Ed Padula of Quality Water Consultants to uncover the hidden truths about the water we drink, cook with, and bathe in every day. You might be surprised by what's flowing through your community's pipes and what is contributing to the inevitable water leaks in multifamily buildings.Donna and Ed's conversation reveals how municipal water treatment has changed dramatically over the years, with many cities switching from chlorine to chloramines—a combination that addresses one health concern but creates new problems with corrosion, water color, and infrastructure damage. As they explain, what municipalities consider "safe" water often still contains chemicals that affect both human health and building systems.The distinction between water softening and purification emerges as a critical misunderstanding for many associations. While softening removes calcium and magnesium to prevent spotting and extend appliance life, it doesn't address chemical contaminants or color issues. Perhaps most alarming is how water quality accelerates the deterioration of aging pipes in multifamily buildings. The corrosiveness of chloramines causes pipes to deteriorate faster, leading to more frequent leaks and eventually requiring expensive re-piping projects. Simultaneously, deteriorating pipes leach contaminants back into water, creating a vicious cycle.Ready to take a deep dive into what's flowing through your community's pipes? Listen now and, hopefully,  start a much needed conversation for your board.Conversation Highlights Include:Why community associations should prioritize water quality—even if no issues have been reportedWater purification considerations for multifamily buildingsCommon—and often overlooked—water quality issues in condos, HOAs, and co-opsThe impact of aging pipes, boilers, and water systems on water quality in older buildingsHow water quality affects the lifespan of plumbing and piping systemsThe link between water quality and leaksUnderstanding the difference between filtration systems and softener systemsRoutine testing and inspections community associations should conductThe connection between poor water quality and health risksEarly warning signs of deteriorating water qualityWhat a community's emergency plan should include in the event of water contaminationRelated Links:Online Class: Anatomy of a Water Leak

In this episode of The Chicagoland Guide, host Aaron Masliansky sky introduces Inside the Skev listeners to the Chicagoland Guide,  reconnects with longtime friend, scientist, and conservationist Dr. Becky Barak of the Chicago Botanic Garden to explore how native plants can play a key role in the future of urban and suburban living across the region.Becky will be speaking at Skokie Public Library on April 24, 2025, at 6:30 p.m. in an event titled “Rethinking Lawns: Incorporating Native Plants into Home Landscapes.” In this conversation, we go in-depth on what native plants are, why they matter for our local ecosystems, how they can help with flood prevention, and how homeowners, HOAs, and municipalities can shift their approach to landscaping.Aaron and Becky also discuss practical advice for how to:Introduce native plants into townhome communities like College HillTalk to landscaping professionals about transitioning away from traditional turf grassSelect beginner-friendly native species for home gardens or rain basinsAvoid common mistakes in native lawn conversionIf you care about water management, storm resilience, biodiversity, and beautiful, low-maintenance alternatives to traditional lawns — this episode is for you.

Want to up your game in real estate, especially when it comes to working with HOAs? Don't miss Episode 78 of the Life and Listings Podcast, where Jennifer Staats sits down with Brandon Barnum. Brandon shares how AI is transforming the HOA space, why over half of U.S. homes being in HOAs means agents must get educated, and how his new certified HOA specialist course can help you stand out. Plus, they dive into the art of getting referrals, building powerful partnerships, and finding the right mentors to elevate your business. Listen to this episode now for insights you don't want to miss!   “A lot of real estate agents don't ask for referrals because they don't feel comfortable and confident, they don't know how to ask the right way at the right time, and so that we teach the art of the ask, but in your system, you can actually automate the ask, so that you've got touch points at the end of the transaction, you're asking for a testimonial, you're asking for referral, and you're asking for reviews.”- Brandon Barnum   You'll learn: Why understanding HOAs is crucial—53% of homes in the U.S. are in one! How agents can become Certified HOA Specialists through a new course The “Art of the Ask” – a 3-step system to boost your referrals How Brandon scaled his income 10x through strategic partnerships Mentorship Matters: Find mentors aligned with your goals—long-term guidance accelerates success. Partnerships Create Leverage: Smart, win-win partnerships can rapidly boost income and opportunity.   About Brandon Barnum: While a single dad in 1997, Brandon was an early technology innovator featuring real estate property listings from Realtors he partnered with and promoted. After learning the art and science of referrals, he increased his annual income 10X from $20K to $200K in just 18 months. Brandon has since closed over $500 million in transactions by referral and has founded multiple local and online referral platforms and networks connecting more than 5 million members in 195 countries.    Connect with Brandon: Website: https://ravingreferrals.com Raving Referrals/Speaking: https://ravingreferrals.com/  HOA.com Introduction: https://hoa.com/how-it-works/  LinkedIn: ​​https://www.linkedin.com/in/brandonbarnum/  Facebook: https://www.facebook.com/ravingreferralsdotcom  Twitter: https://twitter.com/RavingReferrals  Instagram: https://www.instagram.com/raving_referrals/   Connect with Jennifer Staats: Website: staatssolutions.com Staats Solution Instagram: https://www.instagram.com/staatssolutions/ Jennifer Staats Instagram: https://www.instagram.com/jennifertherealtor LinkedIn: https://www.linkedin.com/company/staatssolutions/

In this episode, Daniel and Ron Apke break down the worst states in the U.S. to flip land—so you don't waste time and money targeting the wrong areas. From steep slopes and wetlands to restrictive HOAs and tricky title issues, they reveal the biggest red flags that make certain markets a nightmare for land flippers.With thousands of land deals under their belt, the Apke Brothers share real-world insight into what makes a state bad for land investing—from physical attributes to legal restrictions and everything in between. They also touch on which regions of the country are the most difficult and why some areas are better suited for other strategies like wholesaling or infill lots.Whether you're new to land or scaling your business, this episode will help you avoid costly mistakes and choose better markets. Stay tuned—an episode on the best states to flip land is coming soon.================================ 

In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson examine two urgent real estate issues facing buyers and investors in 2025. First, they take a close look at the growing interest in office to housing conversion, especially in cities struggling with high vacancy rates and lack of affordable housing. They explore how local governments are incentivizing developers to repurpose commercial buildings, and why co-housing might be the only financially viable option in many of these conversions. Erin shares why the rise in remote work is pushing companies to reevaluate office space, while James warns of the unintended consequence of turning corporate buildings into glorified company dorms. Then they unpack the implications of the Fannie Mae condo blacklist, which quietly renders thousands of condo buildings ineligible for traditional financing due to stricter post-Surfside regulations. From insurance issues with HOAs to outdated building maintenance, Erin and James reveal how being labeled a non-warrantable condo can trap sellers and scare off buyers—especially since there's no public access to the list. They offer a helpful reminder to always ask about a condo's loan eligibility and recommend working with agents who understand how to interpret HOA financials and compliance documents. Whether you're looking to invest in co-living spaces or buy a condo, this episode is packed with actionable advice and critical insights into the realities of urban housing in 2025. Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/

You solicit your opinions on HOAs, Nico Iamaleava, broadcasters in Nebraska, Gatorade bottles, breaking the seal, the price of deodorant, and more.

Before you dive headfirst into condo investing, make sure you're prepared for the potential pitfalls with HOAs. My latest lesson breaks down the top three red flags every investor should be aware of—from the financial health of the HOA to fees and special assessments. With a decade of experience in real estate, I've learned some hard truths, and now I'm sharing them with you. Don't miss these critical insights that could make or break your investment. Watch now and be informed!   Contact me! greg@velocityhousebuyers.com Instagram @grego_37

Erica discusses the various dog waste removal services offered by her company. She differentiates between residential services, such as weekly, bi-weekly, and twice-weekly scooping, explaining the nuances and her preference for recurring weekly plans. The episode also covers one-time cleanings and add-on services like deodorizing, while cautioning against sanitization due to liability concerns. Finally, Krupin explores commercial services for properties like HOAs and apartment complexes, emphasizing the importance of relationships and the different financial and logistical considerations compared to residential clients. Scoop Con 2025 (May 23-24, 2025) https://scoopcon.com/  Comments and Questions are welcome.   Send to: thescooppodcast22@gmail.com

Host Bill Mann, President of GB Group Construction & Painting, sits down with Laura Young, General Manager at FirstService Residential, and Jennifer Jacobsen, Partner at Baydaline & Jacobsen LLP, to dive into the rising presence of e-bikes and e-scooters in communities. They discuss the challenges and legal implications for HOAs, explore their impact on community safety, and examine the need for regulations and potential partnerships with e-bike rental companies.

Send us a textCondominiums and HOAs may dominate Florida's shared ownership landscape, but cooperative associations offer a fascinating alternative with their own distinct legal framework and operational quirks. This week, Board-certified community association attorney and Becker shareholder David Rogel joins Take It To The Board host Donna DiMaggio Berger to unravel the mysteries of this older form of shared ownership that continues to house Floridians in everything from high-rises to single-family homes. At its core, understanding cooperatives requires grasping their fundamental difference from condominiums: in co-ops, the association owns the entire property, while residents own shares in the corporation with exclusive use rights to their units. This structure creates unique dynamics in financing, governance, and property transactions that directly impact property values and owner rights. Donna and David navigate the evolution of cooperative law, explaining how these communities—many established in the 1950s and 1960s—operate under bylaws and articles of incorporation rather than declarations. They dispel common misconceptions, including the notion that Florida cooperative boards have unlimited discretion to reject potential buyers, a practice more commonly associated with New York City co-ops. For those curious about conversion options, Donna and David outline the process of transforming a cooperative into a condominium, a trend gaining momentum as owners seek to increase property values despite the potential for higher property taxes. They also address the unique challenges of cooperative terminations, which lack the statutory framework available to condominiums. Whether you're a cooperative resident wondering about your property rights, a board member navigating governance questions, or simply curious about alternative forms of community living, this episode provides valuable insights into a housing model that has served Floridians for generations and continues to evolve alongside its more prevalent condominium counterpart.Conversation Highlights Include:Typical governing documents for a cooperativeDifferent types of housing that can be used for a cooperative (e.g., vertical construction, mobile home, single-family homes)Legal implications of being a shareholder vs. unit ownerBiggest misconceptions about co-opsCooperatives and cash-only salesWhy developers stopped using the cooperative form of ownership in FloridaProcess of converting cooperatives to a condominium form of ownershipProcedural and Substantive differences in Chapter 718 and Chapter 719 of Florida StatutesRelated Links:Podcast:  Contemplating Condo Terminations with John Cadden of the Condominium Advisory GroupArticle: Legislative Changes Opens the Door to New Options for Resolving ‘Disputes' In Condominium and Cooperative AssociationsOnline Class: Knowledge is Power: Navigating Florida Condo & HOA Laws

This is happening in MN. https://www.lehtoslaw.com

2-27 Adam and Jordana 11a hour

Have questions? Send me a text hereIn this episode I talk about an amazing opportunity in real estate/business investing.  Truck parking is one of those examples of real estate that is also a business.  Department Of Transportation regulations, city ordinances, and HOAs have created a high demand opportunity for investors.  Let's dig in!You're invited to send me a text message by clicking the link above this description. You can ask a question, leave a comment or just say hello. I look forward to hearing from you!Subscribe to the Financial Momentum Newsletter where we discuss ideas and tools to build momentum in your business and life! The newsletter is FREE and delivered to your inbox once a week. Click here to subscribe! DISCLAIMER: This video/audio content is intended only for informational, educational, and entertainment purposes. Neither Real Estate Revenue, Financial Momentum or Paul Ary are registered financial advisors, financial planners, attorneys, tax professionals or economists and the contents of this video and/or audio podcast should not be considered investment, financial, legal or tax advice. Your use of Financial Momentum or Real Estate Revenue's channel either on YouTube or on any audio podcast, and your reliance on any information from these sources is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, Instagram, Twitter, LinkedIn) for communications with The Financial Momentum Podcast, Real Estate Revenue or Paul Ary does not establish a formal business relationship. This is not financial advice. These are my personal opinions on real estate and the world in general.

Catherine Dupont is a solar advisor at Oxford Intelligent Energy. She guides homeowners, business owners and nonprofits with affordable solar and backup battery solutions. Prior to solar, Catherine was in IT program management. She received her BA from the University of California, Berkeley. Perform commercial and residential solar installation. Provide range of battery backup storage solutions from 10 kW to 4 Megawatts We specialize in providing a variety of solar solutions for residential, affordable housing, entire co-ops and HOAs, hotels, and solar farms. Many financing options available, including zero down for large commercial solar projects. We warranty all our equipment for 25 years.Oxford Intelligent Energy | www.oxfordintelligentenergy.com | catdupont@oxfordintelligentenergy.com | 415.510.0078 | Sign up for one of our negotiation courses at ShikinaNegotiationAcademy.comThanks for listening to Negotiation with Alice! Please subscribe and connect with us on LinkedIn and Instagram!

In this episode of Go Gaddis Real Estate Radio, Cleve welcomes Michael Crew, CEO of Homeowner Management Services, Inc, to discuss the rising cost of HOA fees and whether purchasing a home with monthly dues still makes sense in today's market. Segment Teaser: Listener Question: "We have a home in a neighborhood where the HOA was never established, but there were always CCRs. A developer is coming in and wanting to establish an HOA after 10+ years—do we have to join?" (Chetina, Tybee Island) HOA Fees Are Increasing: What's driving these hikes? Is Buying in an HOA Community Still Worth It? The pros and cons. What Can Homeowners Do If Their HOA Fees Keep Rising? Cleve Gaddis: Helping listeners go from real estate novice to expert, ensuring that home buying and selling can be done with total confidence and without the usual worries of life's biggest investments. Let's Talk: Visit GoGaddisRadio.com to ask questions, leave comments, push back, share ideas, and explore our Neighborhood Spotlight. Don't forget to subscribe to our podcast!

In this episode of Go Gaddis Real Estate Radio, Cleve Gaddis is joined by Michael Crew, CEO of Homeowner Management Services, Inc, to continue the conversation about Homeowners Associations (HOAs)—the good, the bad, and the unexpected. Segment Teaser: What Do HOA Dues Actually Cover? Are they worth the cost? Pros of Living in an HOA Community: Maintenance, amenities, and property value protection. Cons of HOAs: Rising fees, restrictions, and unexpected assessments. Listener Question: "I'm considering a home in an HOA neighborhood, but I've heard horror stories. What should I look for before committing?" Can You Negotiate HOA Fees? What buyers and sellers need to know. Cleve Gaddis: Helping listeners go from real estate novice to expert, ensuring home buying and selling can be done with total confidence and without the usual stress of life's biggest investments. Let's Talk:

Host Regan Brown and Bill Mann, President of GB Group Construction & Painting, sit down with Demetrius Xanthos, President of SAX Insurance, to break down the complexities of insurance claims for HOAs in the wake of California wildfires. They discuss the claims process, the challenges of claim denials, and the importance of thorough documentation before and after a loss, plus how to access and retrieve it when needed.

When an engineer builds a press to help his son start a clothing line, there's a high chance they may get bit by the print bug. In Jeremy Ray's case, he fully changed careers and has been playing the print game with engineer cheat codes on ever since. This experience of entering the industry ‘late in the game' lends to a unique perspective, and we're happy we got to pick his brain and get his story. Topics of discussion include: Doing live podcasts, finding your audience, HOAs, shop mergers, moving spaces, taking conscious steps to elevate your business, starting a side business, having an owner's retreat, core values, and rucking.

In this episode, we sit down with Joseph from North Georgia Landscape Management to discuss his journey into the landscape industry. Joseph shares how he transitioned from the automotive industry into landscape design and maintenance, and how he has built a successful career in the Green Industry We dive into the operational structure of NGLM, including their separate maintenance and design/build divisions, as well as the importance of strong client relationships and communication as an account manager. Joseph provides valuable insights on bidding projects, managing crews, and delivering high-quality service to commercial clients like apartment complexes and HOAs. This episode offers a behind-the-scenes look at running a thriving commercial landscape company. https://www.instagram.com/nglm.landscapes/ Connect with Jason and Jordan https://greensideuppodcast.com/ greensideuppodcast@gmail.com   https://www.instagram.com/greensideuppodcast/   https://www.instagram.com/skyfroglandscape/   www.skyfroglandscape.com   www.indepenttreeservice.com   Mention Green Side Up or use the link below to get $500 off with your SingleOps subscription!   https://referral.singleops.com/l/JORDANUPCA68/   Intrigue Media   IG:@imintriguemedia   Podcast Produced by Mr. Producer - https://www.instagram.com/mrproducerusa/  

Podcast Summary In this episode of All Things Wildfire, we dive deep into groundbreaking wildfire protection technology with Gadi, founder of FireDome, and Wade White, retired Assistant Chief of the Los Angeles Fire Department. Gadi, a former Israeli Defense Intelligence officer, discusses how military-grade technology is being applied to wildfire mitigation, inspired by Israel's renowned Iron Dome missile defense system. FireDome is a revolutionary autonomous wildfire suppression system that detects spot fires in seconds and launches fire-retardant capsules to extinguish them before they spread. The discussion explores the challenges of integrating new technology into the fire service, the growing need for proactive wildfire protection, and the potential impact on high-risk properties, businesses, and entire communities. With insights from Wade, who led innovations like the first robotic firefighter in LA, this episode highlights how technology can disrupt traditional firefighting methods and provide property owners with a powerful new defense against wildfires. Show Notes Gadi - Founder of FireDome, former Israeli Defense Intelligence officer Wade White - Retired Assistant Chief, Los Angeles Fire Department Topics Covered: The inspiration behind FireDome and its military-tech roots - How FireDome detects and suppresses fires within seconds - Challenges of introducing disruptive technology to firefighting - The growing need for private wildfire protection solutions - Why high-net-worth homeowners and businesses are looking for alternatives to costly insurance - Future vision: Deploying FireDome across wildfire-prone regions Notable Quotes: "We don't have to put our lives at risk anymore. We can let technology protect us from wildfires." "FireDome creates an invisible shield around properties, launching fire-retardant capsules in seconds—just like Iron Dome intercepts missiles." "This isn't just about detection; it's about reaction. We're bringing innovation to wildfire suppression in real-time." Episode Highlights ⏳ 00:02 - 00:15 | How FireDome creates a protective barrier using fire-retardant capsules ⏳ 00:15 - 00:43 | The role of real-time fire suppression and why current methods fall short ⏳ 00:57 - 02:28 | Why insurance brokers, real estate agents, and government agencies should pay attention to FireDome ⏳ 05:03 - 09:08 | How Gadi's military background led to the development of FireDome ⏳ 09:32 - 13:31 | How Wade pioneered robotic firefighting technology in Los Angeles ⏳ 17:00 - 22:00 | The mechanics of FireDome: Detection, launching capsules, and stopping fires before they spread ⏳ 27:14 - 30:50 | How FireDome could be a game-changer for vineyards, hospitals, and HOAs ⏳ 33:53 - 37:11 | When FireDome will be available in the U.S.

As insurance companies increasingly drop coverage for homeowners' associations, potential buyers are deterred, and the market could be destabilized. Today's Stocks & Topics: BCE - BCE Inc., UPS - United Parcel Service Inc. Cl B, WHR - Whirlpool Corp., Market Wrap, Insurers are Dropping HOAs, Threatening the Condo Market, CLS - Celestica Inc., PYPL - PayPal Holdings Inc., The Fed Meeting, Roth 403b vs. Roth I-R-A, AOS - A.O. Smith Corp., Oil Companies and The Electricity Market.Our Sponsors:* Check out Fabric: https://fabric.com/INVESTTALK* Check out Indochino: https://indochino.com/INVEST* Check out Kinsta: https://kinsta.com* Check out Trust & Will: https://trustandwill.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

Host Regan Brown and Bill Mann, President of GB Group Construction & Painting, tackle the challenges California HOAs face with the rising frequency and intensity of wildfires. They are joined by Matt Meadors, COO of HOA Organizers, to discuss the impact of wildfires on communities, the importance of effective communication and thorough documentation, navigating insurance claims and FEMA assistance, rebuilding obstacles, and the evolving future of building codes and fire safety standards.

In this compelling episode of Welcome to the Top, we sit down with Amy Hanson, President of the National Association of Residential Property Managers and Texas REALTORS® Director, to discuss a critical situation involving HOAs and property rights. Hanson shares insights from her over 20 years in property management, recounting how a proposed rental ban in a Texas subdivision threatened property owners, tenants and the local housing market.Learn how quick action, advocacy, and collaboration prevented this measure from going into effect. Discover key lessons on the importance of staying informed about HOA regulations, reading documents thoroughly, and advocating for private property rights. Whether you're a property manager, a homeowner, or someone considering a property in an HOA, this episode is packed with essential advice.

The collectivism of a homeowner's association is something that you can use to your advantage during your doorknocking. This episode is gonna show you a golden nugget for building rapport in a community ran by HOAs through a very simple strategy. SOLARCON 25% Off for a Limited Time! https://apply.solarpreneurs.com/ https://zendirect.com/ https://crmx.app/ https://zapier.com/ https://www.solarscout.app/taylor TOP 10 MOST DOWNLOADED EPISODES OF ALL TIME https://www.youtube.com/@solarpreneurs goals.solarpreneurs.com oneliners.solarpreneurs.com https://solciety.co/ - JOIN SOLCIETY NOW! SIRO APP - LEARN MORE!

It's episode 250 of the Backpacking Podcast!!! What have we learned? Are we growing as backpackers? Do we still succumb to our ADHD during each episode? Tune in and find out! Check out our title sponsor, Outdoor Vitals: www.outdoorvitals.com

Ryan Vigus leads CSAA Insurance Group's personal lines products, including auto, home, umbrella, and pet.  His team develops and manages insurance products and product experiences that serve the needs of AAA Members. Ryan's responsibilities include Product Strategy and Development, Product Management, Actuarial, and Data Science.  CSAA Insurance Group is a AAA insurer that serves AAA Members in 23 states and the District of Columbia.  Ryan has served on the board of directors and various committees for the Insurance Institute for Business and Homes Safety (IBHS) since 2018 and currently serves as the chair of the board of directors.  He has a master's degree in applied mathematics from Bowling Green State University (Ohio) and is a Fellow of the Casualty Actuarial Society. Highlights from the Show California is a massive economy that has had a history of difficult insurance situations. Back in the day, Auto Insurance became a problem, with rates jumping and profitability suffering. California's insurers looked to Homeowners to make up the difference to remain profitable. And then the wildfire situation changed dramatically, putting great pressure on the industry, leaving many with the need to dramatically increase rates, pull out of the state, or both. Homeowners Associations often put in place rules to govern how homes in the development look to uphold standards and consistency across homes. But what happens when those standards are at odds with the decisions that make a home more resilient to things like hail, hurricanes or wildfire? Can you install a better roof, plant different vegetation (or remove it), etc., if it means your home will still be standing when others may not? Colorado has made laws that ensure HOAs cannot restrict a homeowner from doing something that makes their home safer from losses like hail or wildfire. If your home falls victim to a flood or hail damage, and your insurer pays to repair the damage, what if there was a way to enhance how you rebuild so your house is less likely to suffer a loss in the future? Wouldn't the time to make such upgrades be when you're working on those items anyway, like upgrading the type of roofing materials you use when replacing a roof destroyed by hail? That's not how insurance works today. But what if it could be? Ryan shares an interesting perspective as we discussed ways to combat the spiraling cost of buying homeowners insurance by homeowners and providing it to them by insurers. What can you do to materially impact the chance a home suffers a loss in a weather-related event like a hurricane, flood, hail storm or wildfire?At PLRB, we see the impact of better building codes on losses, and many areas have seen the benefit in how newer construction stands up to these weather events. Ryan  discusses one hold up to making your home more resilient at a cost to the homeowner is the availability of subsidized insurance through state FAIR plans that allows people to still get coverage at a low enough cost to discourage investing in hardening your home to loss. This may be contributing to some of the issue states like California have in insurance affordability and viability. What is the long-term solution to making insurance affordable to buy and viable for insurers to sell? Do we have an insurance affordability problem? In California, Ryan  believes we don't. Instead, he says we have a “homes burning down” problem, and we in the insurance industry need to stretch beyond our traditional role of paying after a loss to thinking about how we stop the losses upfront and facilitate that. This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

Well, not that new. We will still be covering the chaotic world of HOAs but wanted to start the year off with some observations from 2024 and a prediction for 2025! Listen to find out more!

In this conversation, Nichole Lucas and I discuss Nichole's transition from residential to commercial insurance, her experiences as a broker, and the importance of networking and marketing strategies in the insurance industry. Nichole shares her unique approaches to marketing and building relationships, emphasizing the value of trust and respect in business. We discuss effective strategies for building trust with prospects, targeting the right clients, and innovative marketing techniques with an emphasis on the importance of networking, especially through personal connections and events, and share creative ideas for standing out in a competitive market. The discussion also covers maximizing opportunities at trade shows and the significance of follow-up in sales. 00:00 Introduction and Background03:02 Transitioning to Commercial Insurance05:54 Navigating the Broker Landscape09:07 Effective Networking Strategies 12:05 Unique Marketing Approaches15:00 Understanding Insurance Discounts17:53 The Role of HOAs in Insurance21:03 Building Trust Through Education 29:53 Building Trust with Prospects35:05 Targeting and Networking Strategies 41:45 Innovative Marketing Techniques 52:33 Maximizing Trade Show Opportunities 23 years in insurance. Went out on her own into commercial insurance as a broker three years ago after a headhunter reached out. Good agents earn broker credits to pass on to their clients. Carriers also give credits for longevity, so review your policies regularly. Hired two part-time people to help with business development, and one was for maintaining the back office. Lead with education to ideal prospects. Help your customers help their customers. Take prospects golfing! Do 3D mailing for direct mail. "Go for no. That's my thing.” Get a good list. The coolest thing she has seen in 23 years of sales...a vendor at a tradeshow had a magician at their booth. GUEST INFO: Guest Cell: (240) 319–951nine Guest LinkedIn Sales Growth Tools Join The Inner Circle Hire The Best Speaker for your sales meeting or marketing conference Take The CRM Quiz Automate your sales for $15

Hey, Budget Besties! In today's episode, we're getting real about that all-too-common struggle: living paycheck-to-paycheck—even when you technically make enough money not to. If you're raising your hand (yes, we see you!), this episode is for you. We're unpacking the mindset, habits, and tools you need to ditch that feast-or-famine rollercoaster and set up a system that lets your money work for you. And guess what? This episode is available on YouTube, and it's a great one to watch because we're sharing lots of visuals, including how to create a simple, pretty budget (yes, Aaron, it's pink and teal!). Head over to our YouTube channel to check it out and see the budget magic in action. What We Covered: Think Monthly, Not Paycheckly Why we love made-up words like “paycheckly” (you're welcome). How to stop planning your life around every paycheck and start thinking in terms of your whole month. The power of a simple, bird's-eye-view budget that shows you everything at once. Automate Your Bills Account The key to making sure your bills get paid on time without you stressing about them. How to set up a dedicated “bills only” account that works like a fortress for your finances. Fund Spending Consistently Why consistent funding for groceries, gas, and personal spending is a game-changer. How automating your spending accounts can stop you from robbing your piggy bank—or couch cushions. Advanced Tips to Level Up Building a buffer to smooth out those lumpy months. Automating savings for annual expenses like HOAs, insurance, and yes, even bougie boat fees. Living within your spending accounts—because freedom comes from boundaries, not chaos. Listener Homework: Set up your bills account and automate at least one transfer. Bonus points: Start shopping your pantry or brainstorming ways to build a buffer this month. Key Stats: 78% of Americans live paycheck-to-paycheck. But how many need to? You don't have to guess. A paycheck plan can show you exactly where your money should go. Budget Bestie Wisdom:“Managing money isn't about restriction—it's about intention. A budget is just your plan for living the life you want, without the stress of wondering if the bills are covered.” Tune In Next Time:Tomorrow, we're diving into 2025 financial goal setting! Bring your dreams—big or small—and let's turn them into actionable, budget-friendly plans. Connect With Us:Have questions or want to share your homework? Email us at hello@budgetbesties.com.

The latest BARRACKS TALK podcast episode is waiting, press 'play' now! (Websites mentioned in this specific episode for Service Dogs are found below under "Mentioned Websites.) The Crew was joined by our very own Pin-Up girl from Hope For 22 A Day, Kashi, trying to get into Zoom with Bo on the phone, JJ begins the show with discussing the legal rights of service dog handlers, specifically addressing conflicts with HOAs that improperly restrict service animal breeds and sizes. The Crew clarify the Americans with Disabilities Act (ADA) and Fair Housing Act (FHA), emphasizing that these laws protect handlers' rights to equal access, irrespective of breed or size, with limited exceptions. They critique organizations that falsely sell service dog certifications and highlight the importance of responsible service dog handling. Finally, they draw parallels between restricting service dog access and infringing on Second Amendment rights. - Hard Of Hearing, Deaf, or Have Other Hearing Issues? READ THE TRANSCRIPT! https://dvradio.net/deaf-and-hard-of-hearing/ - Grab Your DV Radio Ten Year Anniversary Shirts! https://bit.ly/DVR-SreamLabs-Merch  - - Websites Mentioned- -- https://www.ada.gov/resources/service-animals-faqs/ -- https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_act_overview -- https://tadsaw.org/ Liberty Risk Podcast https://beacons.ai/libertyriskpodcast - Hope For 22 A Day www.HopeFor22ADay.org - INERT Mugs [DV Radio Challenge Coin] www.inertmugs.com - Want To Sponsor DV Radio? No pricing model beats DV Radio when it comes to sponsorship. https://bit.ly/SponsorDVRadio DV Radio on Rumble https://rumble.com/c/DVRadio DV Radio on twitch.tv https://www.twitch.tv/dvradio - INERT Mugs Website: https://www.inertmugs.com/products/20oz-burn-it-down-thermite-tumbler Do you want Betsy Ross's FIGHT? Email chris@affinityinc.tech; first come, first serve! Guests/Hosts: Oink, Joaquin Juatai, Bender, SGT WarDawg, Joel (MBR Radio) and Bo [NOTE: Click these links!] ---------- DV Farm Septic System Fundraiser https://donorbox.org/dv-farm-septic-system ---------- Parental Control Apps https://bit.ly/ChildSafeInternet ---------- Backpacks For Life https://backpacksforlife.org/ ---------- Wah-Tie Woodturning https://wahtiewoodturning.com/ ---------- Affinity Innovations, Inc. https://affinitybsc.com/ ---------- Backpacks For Life Fundraiser https://ko-fi.com/dvradio/goal?g=1 ---------- Edited by Munkee Bawlz Media https://www.munkeebawlzmedia.com/ ---------- Are you a Veteran Owned Business? Have unique, handmade items that we can buy and review on a show? Contact us, show us what you have, and we'll (at least Bo) will spend up to $50 per month and speak openly about your product(s)!! ---------- Find Out More About Betsy Ross At Her Website https://bit.ly/Fight-With-Betsy-Ross ---------- SGT WarDawg http://sgtwardawgtv.fans.link/ ---------- *Got an idea for BARRACKS TALK or any other show? Want to be a guest? Then please feel free to contact us by sending an email to info@dvradio.net, oink@dvradio.net, ptsdog@dvradio.net.* ---------- **LINKS TO CHECK OUT** EVERYTHING DYSFUNCTIONAL VETERANS https://whereisdv.carrd.co  ---------- Grab DV Radio's Battlegrounds From Ubora Coffee At: http://bit.ly/DVR-BattlegroundCoffee  ---------- DV RADIO PARTNERS, SPONSORS, and AFFILIATES https://dvr-listen-support.carrd.co

Subscriber-only episodeSend us a textNothing says leadership like fighting an HOA while managing a possibly racist military working dog. Trent and Aaron break down team room chaos, dysfunctional command moments, and why ‘SOF SERE' paperwork is the worst kind of clutter. From war dogs to coffee mugs labeled ‘HOA Rules,' we're unpacking the absurd and inspiring truths about special operations life. Like, subscribe, smash the bell, and leave a review—because even HOAs couldn't keep us quiet. Oh, and consider joining the Ones Ready membership to fuel this madness!Join this channel to get access to perks: HEREBuzzsprout Subscription page: HERECollabs:Ones Ready - OnesReady.com 18A Fitness - Promo Code: 1ReadyATACLete - Follow the URL (no promo code): ATACLeteCardoMax - Promo Code: ONESREADYDanger Close Apparel - Promo Code: ONESREADYDFND Apparel - Promo Code: ONESREADYHoist - Promo Code: ONESREADYKill Cliff - Promo Code: PODCASTKC20...

Q disses Bry, the importance of hydration, HOAs, winter ❄️ penis, underwater UFOs

Recently Clark discussed how appealing auto insurance claims can lead to big savings. The same holds true for health insurance - and now there's a tool to help you make a successful appeal of a denied claim. Also today, HOAs can be very controversial. Clark shares a story with a lesson about a ridiculous action by an aggressive HOA. Appeal Health Insurance Denials: Segment 1 Ask Clark: Segment 2 HOA Pros & Cons: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fight Health Insurance uses AI to appeal claim denials How to Freeze Your Child's Credit How Can I Make Freezing a Young Person's Credit Less Risky? [The Washington Post] To beat the heat, an Arizona man offers free water. His HOA is fining him. How To Buy a House in 9 Steps Who Should Consider Setting Up a Trust? Should You Sell or Stay Put in the Stock Market? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices