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	<title>Condo Law Guru &#187; FINANCIAL REPORTS</title>
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	<link>http://condolawguru.com</link>
	<description>Condo Law &#38; HOA Law for Boards &#38; Owners</description>
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		<title>HOA and Condo Assessment Forbearance Agreements</title>
		<link>http://condolawguru.com/2010/05/hoa-and-condo-assessment-forebearance-agreements/</link>
		<comments>http://condolawguru.com/2010/05/hoa-and-condo-assessment-forebearance-agreements/#comments</comments>
		<pubDate>Mon, 24 May 2010 05:08:09 +0000</pubDate>
		<dc:creator>Beth Grimm</dc:creator>
				<category><![CDATA[HOA and CONDO FINANCIAL ISSUES]]></category>
		<category><![CDATA[assessments]]></category>
		<category><![CDATA[CHARGES]]></category>
		<category><![CDATA[Condo]]></category>
		<category><![CDATA[Condo association]]></category>
		<category><![CDATA[CONDO FINANCES]]></category>
		<category><![CDATA[FINANCIAL REPORTS]]></category>
		<category><![CDATA[HOA FINANCES]]></category>
		<category><![CDATA[owner rights]]></category>

		<guid isPermaLink="false">http://condolawguru.com/?p=279</guid>
		<description><![CDATA[I receive a lot of questions about assessment collections from owners who are in delinquency with their assessment payments. A lot of people do not understand the extent of the rights of the association if they do not pay. It&#8217;s not like a mortgage where an owner whose home is foreclosed then can expect no [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is the Generalized Inadequacy of Saving $$ for HOAs Incredulous? Or What?</title>
		<link>http://condolawguru.com/2010/05/is-the-lack-of-general-inadequacy-of-saving-for-hoas-incredulous-or-what/</link>
		<comments>http://condolawguru.com/2010/05/is-the-lack-of-general-inadequacy-of-saving-for-hoas-incredulous-or-what/#comments</comments>
		<pubDate>Sat, 01 May 2010 06:02:57 +0000</pubDate>
		<dc:creator>Beth Grimm</dc:creator>
				<category><![CDATA[HOA and CONDO FINANCIAL ISSUES]]></category>
		<category><![CDATA[Condo]]></category>
		<category><![CDATA[Condo association]]></category>
		<category><![CDATA[CONDO FINANCES]]></category>
		<category><![CDATA[Condo Owner rights]]></category>
		<category><![CDATA[FINANCIAL REPORTS]]></category>
		<category><![CDATA[HOA]]></category>
		<category><![CDATA[HOA FINANCES]]></category>
		<category><![CDATA[owner rights]]></category>

		<guid isPermaLink="false">http://condolawguru.com/?p=263</guid>
		<description><![CDATA[Studies in California show that most HOA and Condo associations in the State are seriously underfunded in reserves (savings for replacement of major components like roofs, siding, etc.), with 60% or less in funding (savings) of what the reserve studies say should be set aside at any given time. It is no secret that many [...]]]></description>
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		<title>Who is Candidate in HOA or Condo Election?</title>
		<link>http://condolawguru.com/2010/04/who-is-candidate-in-hoa-or-condo-election/</link>
		<comments>http://condolawguru.com/2010/04/who-is-candidate-in-hoa-or-condo-election/#comments</comments>
		<pubDate>Sat, 17 Apr 2010 04:15:49 +0000</pubDate>
		<dc:creator>Beth Grimm</dc:creator>
				<category><![CDATA[HOA and Condo Elections]]></category>
		<category><![CDATA[Candidate Statements]]></category>
		<category><![CDATA[Condo]]></category>
		<category><![CDATA[Condo association]]></category>
		<category><![CDATA[condo law]]></category>
		<category><![CDATA[Condo Owner rights]]></category>
		<category><![CDATA[FINANCIAL REPORTS]]></category>
		<category><![CDATA[HOA law]]></category>
		<category><![CDATA[homeowner]]></category>
		<category><![CDATA[owner rights]]></category>

		<guid isPermaLink="false">http://condolawguru.com/?p=255</guid>
		<description><![CDATA[I had a couple of questions come in about qualifying a candidate for an election. It seemed one was from a board member and one was from an owner &#8211; possibly in the same association? See if you can guess which is from whom? And check out the answers. Question: If a candidate for election [...]]]></description>
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		<title>FHA Project Certification for Condos &#8211; To Do or Not To Do?</title>
		<link>http://condolawguru.com/2010/02/fha-project-certification-for-condos-to-do-or-not-to-do/</link>
		<comments>http://condolawguru.com/2010/02/fha-project-certification-for-condos-to-do-or-not-to-do/#comments</comments>
		<pubDate>Sat, 27 Feb 2010 07:48:33 +0000</pubDate>
		<dc:creator>Beth Grimm</dc:creator>
				<category><![CDATA[About My Blog]]></category>
		<category><![CDATA[HOA and CONDO FINANCIAL ISSUES]]></category>
		<category><![CDATA[Condo]]></category>
		<category><![CDATA[Condo association]]></category>
		<category><![CDATA[CONDO FINANCES]]></category>
		<category><![CDATA[FINANCIAL REPORTS]]></category>
		<category><![CDATA[HOA]]></category>
		<category><![CDATA[HOA FINANCES]]></category>

		<guid isPermaLink="false">http://condolawguru.com/?p=214</guid>
		<description><![CDATA[Given that the FHA has eliminated spot certification for condo association units (other than true site condos), is the cost of seeking FHA project certification in &#8220;mature&#8221; condo associations justifiable? There are those that say: &#8220;Without Question.&#8221; And those that say: &#8220;Question.&#8221; For more on this subject, visit my blog California Condo &#038; HOA Law [...]]]></description>
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		<title>RESERVES IN AN HOA &#8211; HOW MUCH IS NEEDED?</title>
		<link>http://condolawguru.com/2010/01/157/</link>
		<comments>http://condolawguru.com/2010/01/157/#comments</comments>
		<pubDate>Thu, 14 Jan 2010 20:36:00 +0000</pubDate>
		<dc:creator>Beth Grimm</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Condo]]></category>
		<category><![CDATA[condo law]]></category>
		<category><![CDATA[FINANCIAL REPORTS]]></category>
		<category><![CDATA[HOA]]></category>
		<category><![CDATA[HOA law]]></category>
		<category><![CDATA[RESERVES]]></category>
		<category><![CDATA[reserves calculation]]></category>

		<guid isPermaLink="false">http://condolawguru.com/?p=157</guid>
		<description><![CDATA[A question about reserves and what is required was sent to me via email today that is a very common one. And I have a solution to offer! I live in a 7 unit building. My question is &#8211; how much reserves are required for an HOA like ours? How do we figure that out? Can [...]]]></description>
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