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Welcome to On the Commons!

Image On The Commons is a weekly radio show, dedicated to discussing the many issues surrounding homeowner associations (HOAs) and condominiums.  It is broadcast live from WEBR, Fairfax, Virginia and available on this web site.

Join us as we explore the world of homeowner associations and condominiums, which are the fastest growing form of residential development in America today.  This housing concept includes homeowner associations, condominiums, cooperatives, and both attached and detached single-family homes.  Unfortunately this type of housing is not as utopian as its advocates would have us believe.  Living in a homeowner association means giving up a part of the American dream.  It means giving up Constitutional rights and control over one’s most valuable asset - one’s home.

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 "Property in a thing consists not merely in its ownership and possession, but in the unrestricted right of use, enjoyment, and disposal. Anything which destroys any of the elements of property, to that extent, destroys the property itself. The substantial value of property lies in its use. If the right of use be denied, the value of the property is annihilated and ownership is rendered a barren right."  --- Washington State Supreme Court Justice Richard B Sanders

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Its Here! 

The new On The Commons  podcast site

Seven years of easy to find On the Commons Podcasts 

 

The Curent Show

On the Commons with John Sellers

I learn something new- and very disturbing- about HOAs seemingly every day.  Homeowner advocates and activists, with very good reason,  have been calling our homes the ATMs for the HOA industry.  Our homes are used as collateral for so many things other than our homes themselves.  When things get complicated it is even harder to untangle the threads to understand just what is going on and where our money is going.

 

John Sellers joins us On The Commons.  John is a former banker with a vast and broad knowledge and understanding of how finance works.  As an Arizona homeowner in multiple HOAs and one of the many homeowners who has done the two step with his HOA in the Arizona court system, he is now also an expert on HOAs and the laws governing them - or not.  John explains "pooling" and how that works in the insurance  industry when it comes to insuring HOAs.  If you think it is like a normal insurance policy you might buy, think again.   This is just one more leaky hole in the HOA scheme that leaves us vulnerable and puts our homes at risk.      . . . .Listen to John Sellers

 

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On the Commons with Deborah Goonan

Some people describe the "American Dream" as home ownership.  After all, we all want a place to call our own, a place that reflects our personalities, provides shelter, a safe haven, a place completely and totally under our control.  Like almost everything else in association controlled housing the dream is a lie.  These days everything associated with a home seems to be based on deliberate misinformation that is repeated nonstop to the point where everyone believes it.  Why not?  They have heard the same lies for a couple of generations, it has to be true, right?


Not so fast.


Deborah Goonan joins us On The Commons.  Deborah is a prolific, analytical and detailed blogger.  Her blog,  Independent American Communities is a comprehensive study of what is going on in the world of association living.  Today we debunk some of the more often told lies surrounding HOAs.  Probably the biggest, and potentially most damaging whopper, is that HOAs protect property values.  Citing from a white paper referencing various studies conducted about HOA restrictions and property values we learn what common sense has always told us.  Having burdened your house with covenants, rules, regulations, "grass police" and all the other atrocities that are part and parcel of associations, we then turn to the physical structure of these houses made of "cardboard and scotch tape" and what we discover there is truly alarming.  We talk a little about vinyl siding and Low e windows and we urge you to ask yourself whether this can possibly be "The American Dream" or is it more like the American nightmare?  . . .Listen to Deborah Goonan

 

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