Sunday 29 January 2012

Reserve Studies For Your Homeowners Association

Do you plan on retiring someday, or do you plan on working forever? Most people would indicate they are planning to retire. After all, who really wants to work their entire life?

However, to make that retirement dream a reality, what do you need to do? Obviously, you put money away, but how do you know how much money you need to save to realize your retirement dreams? If you don't consider such factors as (1) how many years you are away from retirement, (2) what level of comfort you want to retire into, or (3) what the future cost of living will be at the time you're ready to retire, how can you be certain you're saving enough to realize your retirement dreams? Generally, people consult with Financial Advisors to assist them with answering these questions, and provide them with a "blue print" of how these individuals need to save to realize their retirement dreams.

Reserve specialists are very similar to financial advisors. Reserve specialists establish what the community assets are, how long each asset's "life expectancy" is likely to be, and establishes the anticipated cost of replacing those assets at the end of the asset's expected life cycle. With this information, the reserve specialist establishes the dollar amount the Homeowners Association should set aside annually in savings for the future replacement of these assets as they "wear out."

While the Board of Directors or even ad hoc committees can "establish" the annual dollar value of savings to make the necessary future replacements, on what are these "guestimates" based? The failure to consider all the community's assets, accurately determine how many useful years remain for each asset, and having a rational and realistic (mathematical / financial) method of determining the future replacement costs of these items will, in no uncertain terms, lead to future "Special Assessments" that are damaging to the property values within a community.

How damaging can special assessments be? There is a community in Parker that didn't plan adequately for the future (i.e. they didn't save enough each year for future asset replacements). When it was time to paint the buildings, re-shingle the roofs, and complete irrigation upgrades, this community had failed to accurately prepare (through savings) for these very expensive costs. Consequently, each home owner within the community was "hit" with a special assessment of over $5000 (due in lump sum, immediately) "and" their dues were increased significantly to pay for the loans that were necessary to pay for the repairs not covered by the special assessment.

While this community's home owners were working towards approving this special assessment, which took a couple of years due to the complexity of these assessments, these homes continued to exhibit continued wear and tear. Home values within the community (which had been entirely owner controlled / managed for about 10 years), plummeted. Owners who were purchasing homes within this community during this time were not aware of either the pending special assessment or pending dues increase (because legislation had not yet passed requiring the community to provide Board meeting minutes). Even after the repair work has been completed to these homes, this community hasn't fully "bounced back" from the reputation they received for their lack of planning. While it's difficult to say with certainty, it very well may be that it was this community that contributed to the legislation now in place requiring the disclosure of Board of Directors meeting minutes to ensure prospective home owners are aware of the financial condition of the community they're considering.

While it's easy to say, "Well, I'm only planning on owning here for a few years, so what should it matter to me if the HOA plans for the future?" While you're living within the community, are you getting the benefit of a good roof? How about using the common green space of the community? Are you walking the sidewalks? Driving the streets? Shouldn't you be paying your fair share, now, for the wear and tear you're placing on these common elements? Don't you want your home's next owner to find your community attractive because you're planning for the future with the help of a professional reserve specialist?

There are many savy purchasers out there. If they don't see a reserve study for a community, or they don't see enough funds being placed in reserves, they'll look for a community that is looking out for the benefit of the whole community, now and for the future. Yes, they want a good value and to see a community that is well cared for, but they also expect a community that has a financial road map for the future, similar to a successful retirement plan.

Because so many communities are failing to adequately provide for future replacement costs of these communities' common elements, states are recognizing the need to legislate that HOAs must have a professional reserve study in place, and updated on a regular basis. Even the Colorado legislators have entertained this discussion just this year. Do you want your HOA to be forced to plan for the future, or do you want the Board of Directors to look to the future and make sound financial decisions for the community as their fiduciary duty requires?

A Professional Reserve Study that is updated regularly is truly a necessary tool for all communities that own any common element property. It is a great way to protect your biggest investment (your home), today and tomorrow.




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Source :- http://www.articlesbase.com/business-articles/reserve-studies-for-your-homeowners-association-5605759.html

Wednesday 4 January 2012

Replacement Windows and the Cold Season

Throughout the month of December, we've been sharing useful winter window installation tips that may facilitate taking a bite out of the cold. Last week we checked out a number of necessary problems when it involves window sizing and preparedness. By having properly sized windows, the quantity of your time the window isn't within the wall may be comparatively short. Once the new aluminum window or vinyl window is in its correct place, insulating foam is then used to seal the gaps. Once this can be accomplished, the cold can not be able to enter the house, and precious heat can not be lost. Of course, as we mentioned last week, closing the doors to the area you're engaged with will enable you to avoid severe heat loss. By replacing one window at a time, the overall quantity of your time that heat loss will occur is minimized. One of the last issues to create when putting in windows and doors throughout the winter months is the result the cold has on the materials used to seal the house and end the window installation job. Paint, caulk, and foam all can dry slower when applied in cold temperatures.


Due to improper seals that may occur in these cold installations, issues can occur later on in lifetime of the window. To avoid expensive issues, it's necessary to use industrial strength, high-grade sealants, foams and caulks. These higher quality materials are designed to perform well in extreme temperatures and may make all the difference regarding the longevity and quality of the window installation. Additionally, by keeping the caulk and foam within the heat of the house till it's required, the materials are more likely to act as they're meant. Whereas many of us are prone to avoid winter replacement window installations, it may be a perfect time of year to make the shift.

So, let's get all the way down to the brass tacks. For the last 2 weeks we've been leading up to the revealing of a couple of useful aluminum window and vinyl window winter installation tips. With winter bearing down with its icy grip, it sounds like the correct time to unveil our recommendations. A first, and really necessary step within the method of winter window installation is making certain that you just have the correct windows lined up for the task. It should appear obvious, however several unwitting souls venture into the window replacement method without a properly sized window. Custom sizing helps eliminate the matter of removing a window just to find out that the correct windows aren't available. Now, to be sure, there are some things where new window sizes are ideal, and this is often where a talented professional (yes, we know, most of you out there are skilled professionals) may be terribly useful.



Resizing is actually a really common choice, however it's among one of the a lot of necessary problems to own squared away before removing recent aluminum windows or vinyl windows and replacing them with energy economical windows and doors. Once these recent windows are removed, the new windows may be replaced in a very comparatively short quantity of time… even a matter of minutes. Average window installation times will take 10-15 minutes per windows. It's clear that if the correct planning has been done, the problem of warmth conservation isn't the foremost pressing issue at hand within the winter window replacement method. As a contractor, if the cold remains a difficulty for your shoppers, closing the doors within the area you're currently working on will facilitate alleviate the cold-phobia that several owners experience. With these problems taken care of, subsequent challenge to winter installation is using the correct product to make an airtight seal between the window and the rough gap within the wall.





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