Download PDF , by Ward Lucas
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, by Ward Lucas
Download PDF , by Ward Lucas
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Product details
File Size: 6212 KB
Print Length: 411 pages
Publisher: Hog Back Publishing; 1 edition (July 24, 2013)
Publication Date: July 24, 2013
Sold by: Amazon Digital Services LLC
Language: English
ASIN: B00E560VDQ
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Yes I live in the "supposedly" highly praised community of Fairhope, AL 36532, in particular Rock Creek Subdivision- and specifically Eastern Rock Creek Subdivision. Just about everything Mr. Lucas talks about in this book has in fact occurred to me a combat veteran of the US Army! The house I purchased- never-in fact had a "Final Occupancy Inspection" done on it by the City of Fairhope- as asked the City Building Inspector himself. Allegedly, as I have been told by several people, the contractor who built it has subsequently had his contractor's license revoked by the City of Fairhope. I purchased the home from people well known to me, and had been in it while it was under construction, and resultant to my visit the contractor had to do major repairs to the ongoing construction. After I purchased it, I attempted to get it "repaired" to the standard it should have been originally built- I even informed senior members of the Eastern Rock Creek POA (ERCPOA) about everything I was in fact doing, but this was to no avail. Neighbors complained to everyone, including local police! I even had the Fairhope Police Chief himself come to my residence- and he told me horror stories about what had seen contractor do in this area! My Contractor- had to have one of his company members, file a police report about ERCPOA Committee member assaulting them with a vehicle. A 3-4 week job, turned into months and aggravated not only my contractor but his employees as well. As it turns out my Contractor had to file criminal charges against some of these employees. What did I get after almost 70-thousand dollars in repairs- issues I am still dealing with a year later I should not be.Mr Lucas, somewhere in his book, explains that HOA's can manipulate property values. Well, my property value over the course of last year has fluctuate greatly, from 20K below to what I paid for the property, to well over market value and then back down again! I have also been harassed by local Insurance Underwriters my mortgage bank deals with and had to file numerous FTC, etc... complaints- to no avail. Oddly, the local Probate Judge, whom I have had issues with, and whom has not law degree, is connected with the Insurance Industry in this area and the State of Alabama. Furthermore, IAW the POA Magazine there are other senior residents with very same connections! I could simply go on- but I think readeres of this review get the point!Also, in ERCPOA, most houses have cracked driveways, foundations, etc... I have pictures move, of their own accord as if the house is still settling. I have lived all over the world, and in regions with seismic activity and never had this occur! Furthermore, IAW the POA's Property Management Company, their are sink holes all over the sub-division, major repairs have been done to bridges, and drains, as well as electrical hubs, etc.. I have contacted the Alabama Department of Environmental Management (ADEM) several times, with no response- asking numerous questions- such as if this sub-division was built on old landfill. Oddly, the POA put out a notice about children not playing in a "dredge pond" on property behind ERCPOA! I happened to look at satellite imagery on an IPhone app. and noticed said "dredge pond" was an active mining operation. Coincidentally, ADEM has authorized the Alabama Home Builders Association, among others to be Quality Control (QC) for mining operations in the State of Alabama. I will let readers of this review judge which rabbit hole(s) to go down with that.... (However I did contact the local media about it with, yet again, no response!)Also, the POA by-laws, covenants etc... for this neighborhood were written by lawyers and have so many changes and addenda taht the average person, would have significant difficulty in "De-coding" them, etc....At end of day- I hate my house, have had nightmares about it, as well as other family members, and really would like to "dump-it" and tried with little success, oddly again- among other things- like trying to purchase other homes- that supposedly the Builders "had never made that kind of mistake on," prior to purchasing this one!Mr.Lucas quote: "America will never be destroyed from the outside. If we falter and lose our freedoms, it will because we destroyed ourselves. —Abraham Lincoln" is very appropriate as it is in keeping with "A shady government influences the moral behavior of its citizens" -Quoted From Scientific American Mind-Behavior & Society Article "National Corruption Breeds Personal Dishonesty-A shady government influences the moral behavior of its citizens" by By Simon Makin on March 1, 2017"As best I can tell researching this topic extensively a while back, HOA/POA's appear to have become prevalent around the time of the Civil-Rights act of the 1960's. If this is in fact correct, then it could possibly be a major factor in why our Government refuses to address this issue in the US at the highest levels- but once again leave that for readers of this review to decide, figure out or further research as would make a fantastic Graduate level research topic on civil-rights, etc.....Mr. Lucas hits it out of the ball-park completely with this book, and only wish our elected officials at both the state and national level would take time to read it!
I'm back for an update! One only needs to read the settlement of the Trayvon Martin case in Florida and look at the current listings of the properties for sale in that community to know the impact a rogue community member can make on everyone else. I'm not talking about the emotional aspect, I'm talking about the financial devastation. Over a million dollar settlement...did they have insurance? Or did they buy it after the fact? Are the homeowners being assessed? Now, is the time everyone MUST read Neighbors At War! It is the smallest price you will ever pay for the greatest education you will ever get!Ward Lucas became my HERO the day I started reading this book. He has written an easy to read encyclopedia about HOA's. Much of what he says, I have been saying for over 5 years...but nobody wants to hear the truth. Which is just plain stupid when it comes to investing in real estate or taking any other financial risks. (Remember Ponzi Man Bernie Madoff?) None of his investors wanted to believe the truth either until they woke up flat broke! We are always better off to listen to experts in the field even if we don't want to hear what they are saying.HOA members don't want to hear the truth. Why? They want to believe in the "Cinderella" story that they will live happily ever after. In spite of seeing the financial waste (my HOA has TEN MILLION DOLLARS unaccounted for and the guy in charge of it dropped dead when the investigation started) massive number of lawsuits against the homeowners for not paying the dues while the HOA continues to breach the contract they have with all 513 homeowners. We have board members self-directing business to their newly-formed businesses when they realize there is money to be made by re-decorating the clubhouse and selling advertising space in the newsletter. I might add I cannot find any records of these board members owning any businesses. We have an unknown number of foreclosures and over 20% rentals. A management company (CAI member) with an annual payroll of over $400,000. for a bunch of unskilled workers that drive around smoking cigarettes all day long. One employee resigned and became a "Whistle Blower" with photos documenting he was told to pull rotten siding off and when he saw a rotten frame on the house not to tell the homeowners. Do you think the board fired the property manager for that...NO they signed another contract and gave him a raise!The stress has caused me to lose the pigment in my skin and while my doctors have said I have a form of PTSD, I learned in Neighbors At War I have HOA Syndrome (page 350).If I didn't know better I would swear Ward Lucas had written this book about my neighborhood!!!Along with other residents in Johnson County and the Wichita area we were able to get a law passed to govern HOA's in Kansas. It's not perfect but it's a start. We were up against so many real estate attorneys, property mangers, and board members it was unreal. If you start the process with the legislators you MUST NOT MISS ONE SINGLE MEETING because when you do the CAI sharks are right there ready to eat your bill for lunch. It took us two years and countless trips to Topeka before the Kansas Governor signed the bill into law. It felt good when he turned and handed me the pen that made all that effort pay off.Who should read this book? The better question is who should not? People who will always live in an apartment or government housing might not benefit from the book but would find it an interesting read. If you live in an HOA, are thinking of buying in an HOA, or thinking of forming an HOA, thinking of putting your elderly mother, father, grandmother, aunt, uncle in a maintenance-provided HOA, thinking of becoming a board member, know somebody that is looking to buy a house, sell real estate, or have a young future real estate buyer in your family....YOU MUST READ THIS BOOK! Every word in this book is true, I know because I've lived it. I wish it had been available 8 years ago before I made this life-ruining mistake.Ask yourself this one question? Would I give every stranger walking down the street access to my home, bank account, and financial future by joining them in a business partnership? If you answered, NO! Be sure you NEVER buy a home with an HOA. Your neighbors become your business partners with access to free attorneys and millions of dollars (in my case) and most of them have no business experience and conduct themselves worse than a middle school full of bullies and they are proud to be known as Neighborhood Nazis!Whatever price you pay for Neighbors At War will be the best money you'll ever spend. I've read all the books out there about HOA's and this one deserves 125 STARS!
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