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HOA Smoking Rules

By | February 13th, 2024|

HOA Smoking Rules: What's permitted under state law? A homeowner association board member asked owner to research local and state laws to see what rules could be enforced. Q: Your newspaper article on homeownership association rules around home smoking policies has prompted me to try to get my homeowners association (HOA) to pass “no smoking” [...]

Adding Successor Trustees

By | January 27th, 2024|

Adding Successor Trustees and Beneficiaries When you should revisit your trust documents Q: My house is held in a trust. My nephew is the successor trustee. He not only is the successor trustee, but he and his sister are each 45 percent beneficiaries. Another nephew is the final 10 percent beneficiary. Only my home is [...]

How to Protect Your House and Assets from Cyber Fraud

By | January 26th, 2024|

How to Protect Your House and Assets from Cyber Fraud Q: Your recent article that discusses the increasing number of cyber hacks and perils of online transactions recommended moving as many of your bills online. This sounds like bad advice given the whole point of the article. Could you please elaborate on how doing more [...]

Property Rights Under a Conservatorship

By | January 26th, 2024|

Property Rights Under a Conservatorship: Are there any? Q: A conservator has taken over my aunt's house that I have lived in for almost 30 years. I had power of attorney for 20 years but my name has never been on the deed to the home. The home has a $10,000 mortgage on it. If [...]

Should I Have to Pay for HOA Minutes?

By | January 26th, 2024|

Should I have to pay for HOA Minutes?  A reader is being asked to pay $100/hour for HOA minutes and other requested financial information. Q: I live in a townhouse development with a homeowners association (HOA). I've requested financial information dating back four years. I was told that there would be a cost to retrieve [...]

Kids on title to house? Another take

By | January 25th, 2024|

Should you put kids on title to house?  Here's another reason why it's a bad idea to have children listed on the title to your home. Q: Friends of mine put their two children on the title of their house some time ago. The home has no mortgage. The father is now deceased and the [...]

HOA Won’t Pay Repair Bill

By | January 11th, 2024|

HOA Won't Pay Repair Bill Here's why the homeowners association won't agree to foot the entire bill for water damage to an owner's unit.   Q: We own a condo in Atlanta as a secondary residence. About a year ago we discovered a portion of our floor was saturated with water. We discovered, and the [...]

Revocable and Irrevocable Trusts

By | January 10th, 2024|

Revocable and Irrevocable Trusts A reader wants to know if it is a problem that their revocable and irrevocable trusts aren't funded.  Q: On the advice of an attorney, many years ago my wife and I each created a revocable trust. We never funded the trusts because all our major assets, including stocks, bonds and [...]

Why did my credit score drop?

By | December 22nd, 2023|

Why my credit score drop? Paying off loans or credit card debt may temporarily drop your credit score. Even as it seems paying off debt should raise them. Q: So my mortgage got sold again to a new loan servicing company. And, again my credit score went down. My score went down when they closed [...]

Should I Put Inherited Property In LLC?

By | December 22nd, 2023|

Should I Put Inherited Property In LLC? Reader wants to know if using an LLC to transfer property ownership after death is the best way to avoid probate Q: I inherited a parcel of land upon my father's death. His wishes were for the property to remain in the family for my children. In order [...]

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