The Villages

Quote: FatGeezus

Speaking of dying.

I am a disabled vet.

In order for my wife to continue receiving my benefits after my death, I must die from one of my service connected disabilities.

I have diabetes and Agent Orange is associated with causing diabetes.

I told my wife that if I die in an car crash to make sure that the coroner writes that I died from diabetes.
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Obviously you went into diabetic shock while driving.

As far as ‘assessments’, I don’t think The Villages does that. Not saying they can’t. They do make you take out a ‘bond’ on the new constructions that goes to The Villages. Maybe averages $20k? (The bond on the house I’m buying is fully paid off).

As I’ve said, they make their billions by developing cheap land into valuable land, and then build and sell those houses, with their own real estate agents, their own builders, etc….

So the ‘post buy’ stuff is all great and reasonable so they can get the prices they do for the land/houses they sell. Brilliant, actually.

Quote: SOOPOO

As far as ‘assessments’, I don’t think The Villages does that. Not saying they can’t. They do make you take out a ‘bond’ on the new constructions that goes to The Villages. Maybe averages $20k? (The bond on the house I’m buying is fully paid off).

As I’ve said, they make their billions by developing cheap land into valuable land, and then build and sell those houses, with their own real estate agents, their own builders, etc….

So the ‘post buy’ stuff is all great and reasonable so they can get the prices they do for the land/houses they sell. Brilliant, actually.
link to original post

If if is an HOA they can have an assessment. You are less likely for some types there, for example if you have an individual house they will not assess you for a new roof. But if insurance for all the common buildings goes up you can be assessed. If someone's grandchild has an accident in the pool and they get a lawsuit insurance does not cover you can be assessed. On and on. Don't think it can't happen.

Quote: AZDuffman

Quote: SOOPOO

As far as ‘assessments’, I don’t think The Villages does that. Not saying they can’t. They do make you take out a ‘bond’ on the new constructions that goes to The Villages. Maybe averages $20k? (The bond on the house I’m buying is fully paid off).

As I’ve said, they make their billions by developing cheap land into valuable land, and then build and sell those houses, with their own real estate agents, their own builders, etc….

So the ‘post buy’ stuff is all great and reasonable so they can get the prices they do for the land/houses they sell. Brilliant, actually.
link to original post

If if is an HOA they can have an assessment. You are less likely for some types there, for example if you have an individual house they will not assess you for a new roof. But if insurance for all the common buildings goes up you can be assessed. If someone's grandchild has an accident in the pool and they get a lawsuit insurance does not cover you can be assessed. On and on. Don't think it can't happen.
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I guess you didn’t read my post. I agree that it probably can happen. I think they are up to nearly 80,000 individual houses now. And growing. Their business model seems to be to NOT do things like assessments or high HOA fees but rather improve the quality of everything around so they can buy cheap land and make it expensive land, and build the houses on that land to sell at a profit, plus collect the ‘bond’ I mentioned earlier.
You are better at finding these things than I am. Show me the last HOA assessment made in the Villages. I assume it must be public record.

Quote: SOOPOO

Quote: AZDuffman

Quote: SOOPOO

As far as ‘assessments’, I don’t think The Villages does that. Not saying they can’t. They do make you take out a ‘bond’ on the new constructions that goes to The Villages. Maybe averages $20k? (The bond on the house I’m buying is fully paid off).

As I’ve said, they make their billions by developing cheap land into valuable land, and then build and sell those houses, with their own real estate agents, their own builders, etc….

So the ‘post buy’ stuff is all great and reasonable so they can get the prices they do for the land/houses they sell. Brilliant, actually.
link to original post

If if is an HOA they can have an assessment. You are less likely for some types there, for example if you have an individual house they will not assess you for a new roof. But if insurance for all the common buildings goes up you can be assessed. If someone's grandchild has an accident in the pool and they get a lawsuit insurance does not cover you can be assessed. On and on. Don't think it can't happen.
link to original post

I guess you didn’t read my post. I agree that it probably can happen. I think they are up to nearly 80,000 individual houses now. And growing. Their business model seems to be to NOT do things like assessments or high HOA fees but rather improve the quality of everything around so they can buy cheap land and make it expensive land, and build the houses on that land to sell at a profit, plus collect the ‘bond’ I mentioned earlier.
You are better at finding these things than I am. Show me the last HOA assessment made in the Villages. I assume it must be public record.
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I read it, I just posted to point out the liability that many people miss when they go HOA. Many see the lawns all kept nice and the houses all uniform in appearance and think it looks nicer so why not give power to the HOA. The smaller ones end up with the board president all of the sudden driving a new Cadillac. Assessed for every little thing. I have heard of people letting the kids play in one of those little plastic pools in the driveway (the kind that also get bought for dogs) getting fined for an "unauthorized pool." Or putting up a flagpole and getting fined for an "unauthorized structure." It can get really bad when they are bigger as HOA management is a big business. Trust me from working with them, many are not friendly at all.

You will get no help at the courthouse as assessments are not of public record. I have never seen a one. They might have to release it to prospective homeowners but I never got involved in that area as it did not concern me. I just know that we are getting real near the point some pol should run on passing a "Homeowner's Bill of Rights" in HOA heavy states like TX, AZ, NV, and FL.

I have heard that if a single man moves into the Villages and he still has some sexual vigor, that the elderly women are shameless in their pursuit.

Quote: gordonm888

I have heard that if a single man moves into the Villages and he still has some sexual vigor, that the elderly women are shameless in their pursuit.
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In the Villages, one does not have to be single to live the amorous lifestyle. Put a loofah on your golf cart and the action will be forthcoming.

Quote: DRich

Quote: gordonm888

I have heard that if a single man moves into the Villages and he still has some sexual vigor, that the elderly women are shameless in their pursuit.
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In the Villages, one does not have to be single to live the amorous lifestyle. Put a loofah on your golf cart and the action will be forthcoming.
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It's not just the Villages.

Quote: gordonm888

I have heard that if a single man moves into the Villages and he still has some sexual vigor, that the elderly women are shameless in their pursuit.
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I have heard they bring you casseroles and when you return the clean pan the action starts. I'd rather they bring cake or pies if it was me but I guess that is what it is.

There is an episode of "Coach" where Luther experiences this. The woman tell him off as they know they are being played and leave together......then the food is snuck under the door slot, in the window, etc.

I can only imagine what it is like in Russia where the woman outnumber the men even more as the age goes up.

The Villages Loofah code explained.

Quote: gordonm888

The Villages Loofah code explained.


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My wife has a purple loofah in the shower, what does that mean?

Quote: DRich

Quote: gordonm888

The Villages Loofah code explained.


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My wife has a purple loofah in the shower, what does that mean?
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She told me not to tell…

Quote: SOOPOO

If you have a chance of minor flooding at your villages’ place, a small amount of effort piling some sandbags at your doorways will keep that headache of the interior floors full of water will be minimized or completely eliminated.

Quote: rxwine

Quote: SOOPOO

If you have a chance of minor flooding at your villages’ place, a small amount of effort piling some sandbags at your doorways will keep that headache of the interior floors full of water will be minimized or completely eliminated.
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I have no Villages place. Closing November 7. Already had it inspected. I’m going to pay an extra $100 to get it formally reinspected after the storm.
Son just told me it is now trending more southerly, maybe direct hit Sarasota. We’ll know more tomorrow at this time.

Quote: SOOPOO

Quote: rxwine

Quote: SOOPOO

If you have a chance of minor flooding at your villages’ place, a small amount of effort piling some sandbags at your doorways will keep that headache of the interior floors full of water will be minimized or completely eliminated.
link to original post

I have no Villages place. Closing November 7. Already had it inspected. I’m going to pay an extra $100 to get it formally reinspected after the storm.
Son just told me it is now trending more southerly, maybe direct hit Sarasota. We’ll know more tomorrow at this time.
link to original post

Yes, Sarasota which is good for me and for Tampa. A tornado just hit near my house.

Sarasota is where I have my comics graded and slabbed. It looks like CGC is now in the direct path. of the storm. They are insured for 100 million dollars and supposedly have a vault built to withstand nukes.

Friend who just moved to Venice, Florida, has evacuated to Boca Raton. His house is around 5 miles inland and relatively new construction. He’s hopeful…..

Quote: SOOPOO

Quote: rxwine

Quote: SOOPOO

If you have a chance of minor flooding at your villages’ place, a small amount of effort piling some sandbags at your doorways will keep that headache of the interior floors full of water will be minimized or completely eliminated.
link to original post

I have no Villages place. Closing November 7. Already had it inspected. I’m going to pay an extra $100 to get it formally reinspected after the storm.
Son just told me it is now trending more southerly, maybe direct hit Sarasota. We’ll know more tomorrow at this time.
link to original post

Congratulations, I hope you have lots of fun!

Only $100 for a home inspection?? Wow, that's cheap!

Quote: AxelWolf

Quote: SOOPOO

Quote: rxwine

Quote: SOOPOO

If you have a chance of minor flooding at your villages’ place, a small amount of effort piling some sandbags at your doorways will keep that headache of the interior floors full of water will be minimized or completely eliminated.
link to original post

I have no Villages place. Closing November 7. Already had it inspected. I’m going to pay an extra $100 to get it formally reinspected after the storm.
Son just told me it is now trending more southerly, maybe direct hit Sarasota. We’ll know more tomorrow at this time.
link to original post

Congratulations, I hope you have lots of fun!

Only $100 for a home inspection?? Wow, that's cheap!
link to original post

He said "reinspection." I had to get those done for mortgages after hurricanes. A glorified drive-past to make sure the place is still standing.

Quote: AZDuffman

Quote: AxelWolf

Quote: SOOPOO

Quote: rxwine

Quote: SOOPOO

If you have a chance of minor flooding at your villages’ place, a small amount of effort piling some sandbags at your doorways will keep that headache of the interior floors full of water will be minimized or completely eliminated.
link to original post

I have no Villages place. Closing November 7. Already had it inspected. I’m going to pay an extra $100 to get it formally reinspected after the storm.
Son just told me it is now trending more southerly, maybe direct hit Sarasota. We’ll know more tomorrow at this time.
link to original post

Congratulations, I hope you have lots of fun!

Only $100 for a home inspection?? Wow, that's cheap!
link to original post

He said "reinspection." I had to get those done for mortgages after hurricanes. A glorified drive-past to make sure the place is still standing.
link to original post

The whole industry is ridiculous. The guy I mentioned did the ‘regular’ inspection. As well as the official ‘bug’ inspection. A different guy (I think?) is doing solely a ‘wind ready’ inspection. My realtor is paying 100% for the second two and 50% for the first one. It’s $650 (so $325 for me) for the first one. I think the other two would be $125 each.
I can’t imagine it’s much more than an hour to do an inspection. Apparently mine was somewhat more expensive due to in ground hot tub.

Quote: SOOPOO

Quote: AZDuffman

Quote: AxelWolf

Quote: SOOPOO

Quote: rxwine

Quote: SOOPOO

If you have a chance of minor flooding at your villages’ place, a small amount of effort piling some sandbags at your doorways will keep that headache of the interior floors full of water will be minimized or completely eliminated.
link to original post

I have no Villages place. Closing November 7. Already had it inspected. I’m going to pay an extra $100 to get it formally reinspected after the storm.
Son just told me it is now trending more southerly, maybe direct hit Sarasota. We’ll know more tomorrow at this time.
link to original post

Congratulations, I hope you have lots of fun!

Only $100 for a home inspection?? Wow, that's cheap!
link to original post

He said "reinspection." I had to get those done for mortgages after hurricanes. A glorified drive-past to make sure the place is still standing.
link to original post

The whole industry is ridiculous. The guy I mentioned did the ‘regular’ inspection. As well as the official ‘bug’ inspection. A different guy (I think?) is doing solely a ‘wind ready’ inspection. My realtor is paying 100% for the second two and 50% for the first one. It’s $650 (so $325 for me) for the first one. I think the other two would be $125 each.
I can’t imagine it’s much more than an hour to do an inspection. Apparently mine was somewhat more expensive due to in ground hot tub.
link to original post

It can be like an episode of "The Sopranos" where you need an envelope for this one and that one.

For education purposes, I used to do the "bug" inspections. They are called a "Wood Destroying Insect Report." I got $100 for one in the Buffalo/Rochester and points around areas. This was 1998-2002. I bought a house in Pittsburgh in 2012 and paid $45. There was always someone willing to do them cheaper. They had tons of liability. One bad one led to a SCOTUS case on search engine results which site I got personally mixed up in believe all this or not.

Anyways, there is tons of liability when you write these things. There is a ton of pressure from those buying them to just "pass" the house. And you usually have young people who need the money doing them. IOW, a total mess. Luckily there is little termite activity in WNY so we were a little safer there. Most were in 1-2 ZIP codes. But other managers had to really worry.

Back to FL. When I was doing mortgages it could be a pain this time of year. Deal ready to go and a hurricane hits. Someone has to check for damage. It was not hard as homes would be either flattened or untouched. I doubt they got out of their car. One poor woman in Key West the deal was a total mess. Honest deal but a ton of potential red flags. I walked her thru it all and then some hurricane hits. I have to get an inspection which takes a couple weeks. She asks why so long so I finally say, "Ma;mm, your home is on Key West, hard to get to."

I ever get back in that business as a trainer she will be an example case for so many things.