Summarize the following:
Generally, when a home (or lot) that is part of an HOA is purchased, the buyer automatically becomes a member of the HOA.  As a member, the homeowner must comply with the rules of HOA membership, including payment of HOA dues and following all conditions and restrictions in the community. While the HOA’s primary function is to protect and maintain the value of both the private and communal property in the community, the actions of the HOA’s board and its interpretation and application of the HOA’s rules sometimes cause problems for individual homeowners. Are you allowed to put up a storage shed? Can you paint your house a different color? Does your tree need to be pruned? Can you park your R.V. in the driveway? The HOA probably has rules applicable to each of these circumstances. Different states have different requirements for what documents the HOA must maintain as part of the HOA’s rules. Most frequently those documents include: (1) the Articles of Incorporation, (2) the Bylaws, and (3) the Declaration of Covenants, Conditions, and Restrictions. These documents collectively describe the powers, limits, and obligations of the HOA.   These documents also usually include a description of how the rules can be amended, how the HOA board is elected (or removed), what powers the board holds, how meetings are called, and the consequences of any violations of the HOA rules by the members. The Covenants, Conditions, and Restrictions (CC&R) document outlines the rules for community members, such as how they maintain the outsides of their homes and what they can, and cannot, do in public inside the community. The HOA’s rules operate much like a contract between the HOA and each individual member-homeowner. Any breach of the contract could be grounds for legal action. One of the remedies available to the HOA for the homeowner’s breach of the HOA rules is foreclosure against the homeowner’s property. In general, the Board of Directors is responsible for managing all matters concerning the homeowners peaceful enjoyment of their homes and the common areas of the residential community. The Board may delegate daily management functions to an outside property management service, however, ultimate control and responsibility remains with the Board.   The Board’s powers and duties to all homeowners within the HOA include enforcing the rules governing the ownership and management of the residential community, paying all taxes and assessments and avoiding liens upon the common area, securing general liability insurance on behalf of the HOA, securing contracts for materials and services in order to maintain the common area, electing and/or organizing committees, officers, or employees of the HOA, and overseeing the preparation of budgets and financial statements on behalf of the HOA, . They are also responsible for writing all rules of operation for the common areas and facilities within the HOA and notifying all homeowners of these rules on a regular basis, notifying homeowners of any violation of the rules and conducting investigative meetings and/or disciplinary proceedings against members of the association for violations of the rules, and placing a lien on any homeowner’s property when timely payment of dues and assessments are not made. Owning a home that is managed within a HOA obligates you to accept and follow the HOA's rules. The  CC&R sets the rules and responsibilities of living within your residential community and enjoying the common areas within the development maintained by the HOA.  Homeowners must follow all written rules set forth within the CC&R, for example, parking restrictions, home maintenance, home improvement, and prohibited conduct. Homeowners must pay all fees and assessments on a monthly basis to contribute to the cost of repairing and maintaining the common areas within the residential community. Homeowners cannot refuse to pay any fees and assessments, however, a member has the right to take action against the HOA in order to contest any unwarranted charges.

summary: Understand your relationship to the HOA. Review your HOA's rules. Understand the duties and responsibilities of the HOA board. Understand your duties.


Summarize the following:
As you turn the key in the ignition, listen for the sounds the engine makes to help determine if you have an issue with your starter.  If the engine makes no sound whatsoever, or you hear only a faint clicking, it may be because there isn’t enough power reaching the electric starter motor.  If the engine attempts to turnover but fails, it could be another issue. If the engine does nothing, the battery may just be dead. Check the battery terminals to ensure there is a strong connection between the terminals and the cables.  The cables should be securely held in place and should not be able to wiggle or be removed from the terminal without loosening the nut on each cable.  Clean corroded battery terminals with a steel toothed brush to ensure a strong connection.  A weak connection from the battery can prevent the engine from starting. Wear gloves when cleaning battery terminals to avoid getting battery acid on your skin. If you suspect the battery may simply be low on power, try charging it using either a trickle charger or another vehicle to jump start it.  Be sure to connect the red cable to the positive terminal on each vehicle and the black to the negative.  Leave the other vehicle running when jump starting the vehicle and allow it to charge the battery in yours. If using a trickle charger, be sure to leave the battery charging in a safe area that won’t be rained on. The starter solenoid transfers power from the battery to the electric motor that starts the engine.  If it fails to transmit the electricity, the starter motor will fail to function.  Test the starter solenoid by touching a test light to the lower terminal on the starter, then ground the negative cable to the body of the car.  Have a friend turn the ignition key and see if it lights up.  If the test light does not light up, it means power is not reaching the starter motor due to a faulty solenoid or a dead battery. If the test light does light up, it means the solenoid is good, but the starter itself may have failed.

summary: Listen to the vehicle as you attempt to start it. Ensure the battery terminals are clean and secure. Charge your vehicle’s battery. Check to see the starter solenoid is bad.


Summarize the following:
Blisters occur when something rubs against the skin and irritates it. There are a number of causes for blisters. These include:  Friction: This is generally intense friction over a short period of time. Corns and calluses develop from longer-term rubbing. Burns: Any source of intense heat from flames, steam, the sun, or hot surfaces can result in a blister Cold: Blisters can result from intense cold. Irritants or Allergens: The reaction of the skin to various chemical irritants or allergens can result in blistering. Drug reactions: There are a wide variety of drugs which can cause skin reactions, including blisters. Diseases and Infections: There are autoimmune diseases where the immune system reacts against components of the skin that can result in blisters. These all require medical attention. These disorders include pemphigus, bullous pemphigoid, and dermatitis herpetiformis. Infections with viruses, such as chickenpox, shingles, and cold sores, or bacteria can also result in blistering Genetics: Certain rare genetic disorders result in widespread blistering. Insect bites: Some insect and spider bites result in blisters. Most blisters are minor and will go away on their own. However, there are a few reasons why you should go to the doctor with a blister.  Go to the doctor if your blister is infected. The blister will have yellow or green pus in it if it is infected. It may also be extremely painful, red, and hot. See your doctor if the blisters are causing you severe pain. Get checked out by a doctor if your blisters keep coming back. You should also get checked out if your blisters are in odd places, like eyelids and your mouth. See your doctor if severe blisters are received from sunburns, burns, scalds, or allergic reactions. You should try to prevent any blisters from happening in the first place. To help prevent blisters on your feet, only wear properly fitting shoes or socks, shoes, and insoles marketed to help prevent blisters. You may also consider moisture-wicking socks.  Place moleskin on places in your shoes to rub against your skin or put powder inside your shoes to absorb moisture. Wear gloves to help prevent blisters from working or when handling cold or hot objects.
summary: Learn the causes of blisters. Know when to see a doctor. Prevent blisters from occurring.