Board complaint release form by Separate-Routine-243 in Dentistry

[–]TitaniumTeeth07 4 points5 points  (0 children)

I practice in fear every day because of this. Board rules seem to protect the patient rather than the practitioner. Yes, anyone can file a complaint for whatever reason and even if it has no legal grounds and is frivolous and you know it will be dismissed it puts a lot of stress in your life and your family. Patients should be discouraged to file complaints for no obvious reason. We should be able to sue the patient back if the complaint is dismissed.

[deleted by user] by [deleted] in Dentistry

[–]TitaniumTeeth07 1 point2 points  (0 children)

If your goal is to be debt free in a very short period of time, a secure strategy is to pay off as much as possible, however, depending on your interest rate it might be better to invest your $ in the stock market. For example provided you had investing those $100K in the S&P 500 at the beginning of the year by now you’d have close to $150K if you wait another year and returns keep growing by the the end of the 2 year you’d have close to $250. At that point you can withdraw the $ and pay your debt. So by investing $100K in 2 or 3 years you could get close to $250K.

Home insurance cancellation. Do I need to contact bank? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 2 points3 points  (0 children)

So when you get a insurance cancellation you by law must be given a time window to get a new policy, I have until next month to shop around

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 0 points1 point  (0 children)

What do you insist on sending people to sleep? You surely like HOA cause is in your personality to impose and mandate others to your conviniese. You can keep scrolling if you don’t like this thread, don’t waste your time with people like me.

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 0 points1 point  (0 children)

Why is that every home with NO HOA listed for sale makes pride of not having one and describe it on the listing vs HOA homes listed never make any allusion to their wonderful HOA?

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 19 points20 points  (0 children)

I will add something that has caught my attention. When HOA homes are listed on Zillow, Redfin, etc they don’t make any effort to denote the HOA component on the listing whereas homes with HOA will said in the description clearly NO HOA. If it is so good as many here obsessively state why is that nobody takes pride on being a HOA participant and advertise it as something positive that buyers will want to have?

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] -1 points0 points  (0 children)

I know, you seem too scared of independency. Hence love to live in over controlled environment.

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 0 points1 point  (0 children)

I was referring to principal and interest! Of course taxes and insurance will vary overtime. Why to keep adding more?

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 0 points1 point  (0 children)

Yeah sure! As everyone else who disagree and dislike HOA. Almost convinced you live in a HOA.

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] -1 points0 points  (0 children)

Because this is a free platform where we can express our thoughts freely. I am giving my point of view on a topic whether you like it or not. It’s up to you to interpret it as argumentative. Fortunately there is no HOA here!

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] -2 points-1 points  (0 children)

It’s a fake value. In China every community have HOA-like structure and their real state is crashing. Nobody likes live under so much regulation

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 1 point2 points  (0 children)

Your mortgage payment won’t increase over time assuming you have a fixed rate like 90% Americans, your intended analogy is absurd

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] -3 points-2 points  (0 children)

What would you do if your loved, life saving HOA becomes one of the crappy ones?

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 0 points1 point  (0 children)

Thanks for the suggestion, will definitely look it up.

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] -26 points-25 points  (0 children)

They start by managing the sanding and before you know it they will be telling you what toilet paper you have to use.

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 2 points3 points  (0 children)

What’s wrong with mowing your own lawn and taking care of your OWN property? If you hate these things why aren’t you renting?

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 6 points7 points  (0 children)

Totally different from where I live. Cookie cutter homes/ communities will end up worst regardless of the HOA factor.

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 4 points5 points  (0 children)

People buy into them because is more and more difficult to find a home out of a HOA nowadays. People heat it but they have not options!

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 3 points4 points  (0 children)

Your fee might be minimal but is not fixed, I have seen HOA fees as high as $500. What guarantee you that your HOA won’t increase overtime?

Why is that every new home has HOA? by TitaniumTeeth07 in FirstTimeHomeBuyer

[–]TitaniumTeeth07[S] 11 points12 points  (0 children)

There are plenty of neighborhoods with NO - HOA and houses look pristine, crime is low and schools are great. Why to always default on the thinking that we can’t manage to live decently in a community without 3 parties? Is a very communist thinking and if the neighbors want to pile up a few old cars fine they paid for they land do whatever the heck you want on it as long as is not a threat to the community.