Quote from @Eli Ling: thank you, what do you think of this email:I understand your concern about the ceiling leak and your assumption that it might be coming from my apartment.Since we both want to resolve this issue, I suggest contacting the HOA to involve a neutral third party who can determine the actual source of the leak.

FYI the comment was posted before you resolved the issue, I just made an update.

I don't understand how you can't track them down.You could stop paying HOA dues, and that will force them to contact you.As for the PM, I would instruct them to hold off on painting until the termite issue is resolved, which includes providing you with contact information of the HOA board.

That's the entire crux of what we've been debating and what you keep disagreeing with.But, i guess this matter is resolved because you've agreed with us the whole time (judging by your latest post).Thank you for clearing that up.

If the awnser is better systems, what would be a practical way to resolve a situation like this.

The issue of "dreamers" is resolved.

To evaluate an advisor, consider their track record, flexibility, and compatibility with your goals.

An uncontested foreclosure is often the best way to resolve issues with subordinate lien holders though I've also contacted some and explained they were about to be named in a foreclosure and suggested that could be avoided if they just released the property from their judgment/lien.

Hi Scott, consider USFR for zero risk cash, earns 5.4% holding 8 week Floating rate note US treasuriesor for mild risk cash, consider BKN - BlackRock's Muni fund, earns 5.6% tax free, which for you would be >9% tax-equivalent yield, and if rates fall, the BKN etf will rise considerably, which though will be capital gains taxable :(, It holds intermediate term Municipals that are all GO, general obligation, so they can always tax us dumb schmuck citizens to pay off the notes instead of defaulting, so low risk but not zero risk for cash. ie (Orange county '90s)Inflation has already resolved, the 3 month trailing core PCE is at 1.5%, well below FEDs 2% target, so they will likely start cutting soon as the 12 month trail falls in line, that's why Powell changed his verbiage so much last Wednesday, and FOMC minutes speak of 150 bp cuts before the end of December as their expectation per their Dot Plots, the only question remaining is consumer spending,(>60% US economy), if falling like McDonalds/Starbucks/Uber saying then unemployment will accelerate and then possible recession, then 10yr yield falls even more, and bonds values would rise like Mike just said above.

Venue dictates where disputes are resolved  and if it’s a loan collateralized against property and there’s a default the venue will be the municipality where the property is located even if the loan docs set venue elsewhere or parties have business dealings elsewhere.