Being part of these communities can be beneficial because they often take care of some of the nitty-gritty duties of homeownership such as property maintenance, utilities, landscaping, and snow removal. But these organizations can be restrictive by setting boundaries on what you can and can’t do...
If there’s ever an issueresolving community conflicts, your HOA can be an invaluable resource for resolving the problem. Whether it’s enforcing an existing rule or helping homeowners come to mutually agreed-upon resolutions, your HOA can be an advocate for all homeowners living within the rules...
Here are a few considerations you may want to include: Who will pay the mortgage, HOA fees, property tax assessments, utilities, maintenance, and other home expenses? If the parties become separated, what will be done with the home? Can one party buy out the other, or will you mutually ...
What happens at closing? On closing day, you will have two primary responsibilities: signing legal documents and paying closing costs and escrow items. It is important to read all of these legal documents carefully so that you know exactly what you’re agreeing to. Here’s a brief breakdown ...
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The budget is an important process that happens each year. There are multiple ways to start the process of preparing the budget, from the board or finance committee preparing it to the management company taking a first crack at it. “You go off of last year’s budget and what you’re an...
(5) Data Breach Management Standards are defined to ensure proper handling of incidents and data breaches when it happens. The standards cover important phases in data breach such as Planning that includes creation of a breach response team; incident identification; investigation; remediation; and ...
HOA fees increase your living expenses but may provide some perks, too. For example, if your community has a shared gym or tennis courts, you wouldn't have to pay separate membership fees for access to similar facilities. On condominiums and townhomes, the HOA fees can spare you from exter...
wouldn't know ahead of time what they're paying out of pocket. If a family member gets sick and has to go to the urgent care and then needs a branded prescription, they could end up paying more than the $87 out-of-pocket cost of the copay plan, depending on the specific treatments...
One big advantage of high-deductible health plans, though, is that you can save in a tax-advantaged health savings account (HSA) to help with the out-of-pocket costs. Generally speaking, though, plans with high deductibles are best for younger, healthier people. If you have health issues,...