this post was submitted on 04 Aug 2025
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The bank:
"Awe, that's cute!"
and the HOA.
and climate change induced superstorms and wildfires
And my axe?
Die Axt im Haus erspart den Zimmermann. - The axe at home lets you skip the carpenter.
Is it a requirement in the US to join the HOA?
If you buy a home in which an HOA is already established, then yes, it's required. And good luck finding a neighborhood where one isn't already established. If you get a small enough town or cheap enough neighborhood, maybe.
It’s funny that the ‘right to work’ exists to dismantle unions, but somehow no-one has thought of a ‘right to live’ to combat HOAs.
The really shit part about HOAs is that most of the US NEEDS them. Most of the US has little to no zoning laws, and most of the suburbs are in unincorporated areas outside of the cities. This means that without an HOA, there's nothing stopping someone from buying the house next door and turning it into a business, methadone clinic, a literal salvage yard, crawfish farm, or gator zoo.
WTF is wrong with that? My neighbors have 0 rights to do what happens on my property.
You live in a society. You only "own" property because enough of your neighbors agree that you do. Society gets together and agrees on the rules, and by being part of that society you agree to the rules. If you want to live somewhere with minimal rules, then go ahead and do it. Just don't come crying to the rest of us when your new neighbor decides to do something that makes your land uninhabitable and worthless.
Who told you about my crawfish and gator salvage zoo and rehab?!
I've been keeping track of it, because of my deep guilt caused by the insane number of crawfish that I have damaged beyond the point of any salvage.
Also I like to get gators hooked on opioids.
So, you know nothing about zoning laws nor HOAs, but you still have very strong opinions on them...
And at the same time you have these incredibly naive beliefs about your fellow humans. Like somehow these institutions and systems of rules you despise sprung into existence not because of, but in spite of, these fellow humans you hold in such high esteem.
Like I told the other guy, there are plenty of places you can go to live without much in the way of law or other rules, you go on and enjoy them to your heart's content, just don't come crying to the rest of us when you realize what a hellish existence it is to live without laws or rules.
Blocked me? But I thought we were all part of a brotherhood of love where none could or would ever want to do wrong to each other.
It's always interesting how "anarchists" like yourself love to preach about how great anarchy is right up until someone points out a fallacy in their logic and then they immediately flip to fascism and try to do everything in their power to silence the other person.
It's almost like anarchists and the entire concept of anarchy is a complete red herring used by fascist to try to free themselves from the pesky rules that stop them from openly forcing people to do what they want.
In many neighborhoods; yes.
Mortgage is just rent with another name (I know it's not quite that simple, but it feels that way sometimes)
Nah. Pay off your house and its yours.
When do you pay off your rent? When you die.
Most people never do pay off their house.
You have a citation? At least when they sell the house they definitely pay it off and then some.
Been living without mortgage or rent for over 10 years myself.
No I don't. I hope you're right, cause mine feels forever away at this point.
Mortgage ends one day. Paid off my mortgage 10 years ago.
Even if you don't stay long enough to pay off, when you do sell, you get to have more proceeds from the sell than you owe.
If you only are going to stay in a place 2 or three years though, probably not worth it.
Squatters have entered the chat.
Debt pay back time.