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Grandpa’s Basement House

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Re: Grandpa’s Basement House

#51

Post by mattnewton »

mmh0000 wrote: post #28
gorgoiler wrote: post #3

The idea of HOAs having any kind of say feels so undemocratic, but not in a standard way. We should not tolerate purely popular democracies. We allow representative democracies, and part of that public contract is for our leaders to represent all those in their constituency, not just those who voted for them. That means those in the minority. The crazy guy growing gourds instead of a lawn. The loon with the purple ho…

When I bought my first house, I purposefully avoided any neighborhood with an HOA because of all the internet scare mongering I had heard over the years. After ten years of one neighbor parking cars on their lawn, another growing more weeds than blades of grass, and another with 8 vehicles parked along the street I was done. When I bought my second house I specifically wanted an HOA. After another 6 years, I couldn’t…

For the first two I just can't get that worked up over it, and for the last one it's the use of shared reasource (the street) that bothers me.

Re: Grandpa’s Basement House

#52

Post by Merad »

rvba wrote: post #24
djvdq wrote: post #16

Earlier quoted context omitted.

Simple question - if you want to leave HOA and after that grow vegetables, can you do that? If not - it has nothing to do with freedom. It's only propaganda of having the most freedom when citizens of a lot of "non free" countries (by American standards) will laugh at your absurds. I'm not saying USA is not free country - of course you are free. I'm only saying that telling that you have the most freedom is at least…

Looking at the /r/fuckhoa subreddit it seems that those homeovner associations are on level of North Korea and Soviet Russia - someone can come to your property (didnt happen in Eastern Europe even during communism), spy on you, fine you for not parking your car at the garage, fine you 500 dollars for putting a motorcycle outside your house, fine you for having drapes of different color, fine you for having a dog...…

I'm going to assume you aren't American, because it sounds like you're working off of some fairly skewed views of the country. The vast majority of gun owners are pretty much normal people who don't want to shoot anyone for any reason. The vast majority of HoA's are not overbearing or crazy. The Venn diagram of "crazy gun owners willing to shoot anyone on their property" and "over the top HoA's" is going to show essentially no overlap. The former almost always live in rural areas and the latter are usually found in upper class suburban neighborhoods.

Re: Grandpa’s Basement House

#53

Post by mattnewton »

tomcam wrote: post #14
gorgoiler wrote: post #3

The idea of HOAs having any kind of say feels so undemocratic, but not in a standard way. We should not tolerate purely popular democracies. We allow representative democracies, and part of that public contract is for our leaders to represent all those in their constituency, not just those who voted for them. That means those in the minority. The crazy guy growing gourds instead of a lawn. The loon with the purple ho…

> Those kinds of folk need representation the most. An understandable sentiment. How much are you willing to pay for it? If you have a $1.5 million mortgage and that loon shows up next door and paints their house purple, your house might lose $300,000 in value. Same with the other neighbors, who also pay mortgages but aren’t as compassionate as you. What happens when your spouse gets a sudden offer to relocate and yo…

I think the root of this is treating housing an asset, which justifies all kinds of arguments. My house would probably increase in value a lot if I bulldozed all the others and replaced them with public gardens. The sane place for me to draw the line is where the property ends.

Re: Grandpa’s Basement House

#54

Post by seryoiupfurds »

tomcam wrote: post #14
gorgoiler wrote: post #3

The idea of HOAs having any kind of say feels so undemocratic, but not in a standard way. We should not tolerate purely popular democracies. We allow representative democracies, and part of that public contract is for our leaders to represent all those in their constituency, not just those who voted for them. That means those in the minority. The crazy guy growing gourds instead of a lawn. The loon with the purple ho…

> Those kinds of folk need representation the most. An understandable sentiment. How much are you willing to pay for it? If you have a $1.5 million mortgage and that loon shows up next door and paints their house purple, your house might lose $300,000 in value. Same with the other neighbors, who also pay mortgages but aren’t as compassionate as you. What happens when your spouse gets a sudden offer to relocate and yo…

One of the most desirable neighbourhoods in my city has houses painted all sorts of different colours, including purple. Somehow the property values survive.

Re: Grandpa’s Basement House

#55

Post by chiph »

I have a friend who lives in a rural area. He'd like to build a house on some land he owns that is unsuitable for farming (too steep) but he is unable to get a construction loan from the bank as they will not write a loan that is secured only by the property. Incremental construction might be the only way to do it (assuming the county will issue him a building permit that would span 5+ years).

Being debt-free within a few years of the house being completed has a lot to be said for it. But when a loan payment is 80% or more interest at the start, that's a lot of profit for a lender to give up - they're not exactly going to be jumping at the opportunity to write those loans.

Re: Grandpa’s Basement House

#56

Post by [deleted] »

mmh0000 wrote: post #28
gorgoiler wrote: post #3

The idea of HOAs having any kind of say feels so undemocratic, but not in a standard way. We should not tolerate purely popular democracies. We allow representative democracies, and part of that public contract is for our leaders to represent all those in their constituency, not just those who voted for them. That means those in the minority. The crazy guy growing gourds instead of a lawn. The loon with the purple ho…

When I bought my first house, I purposefully avoided any neighborhood with an HOA because of all the internet scare mongering I had heard over the years. After ten years of one neighbor parking cars on their lawn, another growing more weeds than blades of grass, and another with 8 vehicles parked along the street I was done. When I bought my second house I specifically wanted an HOA. After another 6 years, I couldn’t…

[deleted]

Re: Grandpa’s Basement House

#57

Post by duxup »

geoffeg wrote: post #2

> Growing vegetables on what should be a lawn is verboten in many locations, if not by the government than by private association bylaws. I'm aware that some HOAs limit (sometimes to what seems like an extreme) what can be done with the yard and lawn, but I wasn't aware of any governments that ban growing vegetables. Is that more common in water-restricted municipalities? (I live in midwestern US, where backyard gard…

This is interesting/ strange to me. I grew up in the Midwest and a modest garden in the backyard was often the case. I’ve never heard of them being banned. I don’t doubt they are some places.

I’m sure some suburban guy decided to plow his front yard and be a corn farmer, but generally I find nobody minds a garden.

Re: Grandpa’s Basement House

#58

Post by walrus01 »

mmh0000 wrote: post #28
gorgoiler wrote: post #3

The idea of HOAs having any kind of say feels so undemocratic, but not in a standard way. We should not tolerate purely popular democracies. We allow representative democracies, and part of that public contract is for our leaders to represent all those in their constituency, not just those who voted for them. That means those in the minority. The crazy guy growing gourds instead of a lawn. The loon with the purple ho…

When I bought my first house, I purposefully avoided any neighborhood with an HOA because of all the internet scare mongering I had heard over the years. After ten years of one neighbor parking cars on their lawn, another growing more weeds than blades of grass, and another with 8 vehicles parked along the street I was done. When I bought my second house I specifically wanted an HOA. After another 6 years, I couldn’t…

While I agree with you for the most part, the problem comes when you have an HOA led by some Karen who decides to fine you and make your life miserable for doing something like having the audacity to fly a pride flag. You got lucky that the handful of things you want to do aren't a big deal, or your local HOA doesn't consist of any overly zealous busybodies with nothing better to do than become the neighborhood stasi.

Re: Grandpa’s Basement House

#59

Post by HarryHirsch »

next_xibalba wrote: post #9
djvdq wrote: post #6

> Growing vegetables on what should be a lawn is verboten in many locations, if not by the government than by private association bylaws. So again, USA is country with most freedom? Freedom™, but you can't grow vegetables on your own property. Or you will be punished for having too long grass. Lmao

What the author is describing are rules of homeowner's associations and other similar organizations. Individuals freely enter agreements with homeowner's associations which dictate land use. One is also free to choose to live in a place not governed by these rules. But, they are not the law of the land and they do not implicate a lack of freedom in the U.S. relative to other countries. Its quite silly to suggest as m…

There are some issues with the word "freely" because in many cities all new construction is HOA-encumbered. So you have the choice between new construction with an HOA and old (quite possibly run-down) and no HOA. That's not a free choice, it's Hobson's choice.

It's about as free as entering into an arbitration agreement. You freely decide to get yourself a cellphone or credit card, and there aren't any on the market where you don't have to sign your rights away. It approaches shrinkwrap license territory.

Re: Grandpa’s Basement House

#60

Post by xyzzyz »

mattnewton wrote: post #53
tomcam wrote: post #14

Earlier quoted context omitted.

> Those kinds of folk need representation the most. An understandable sentiment. How much are you willing to pay for it? If you have a $1.5 million mortgage and that loon shows up next door and paints their house purple, your house might lose $300,000 in value. Same with the other neighbors, who also pay mortgages but aren’t as compassionate as you. What happens when your spouse gets a sudden offer to relocate and yo…

I think the root of this is treating housing an asset, which justifies all kinds of arguments. My house would probably increase in value a lot if I bulldozed all the others and replaced them with public gardens. The sane place for me to draw the line is where the property ends.

What a great answer to losing a great deal of money: just don’t treat it as an asset! Just ignore the loss, who cares! Sure it’s nice being wealthy, ain’t it.
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