Morning everyone. I'm starting the 2027 budget preparation, and as usual, we are dealing with the quarterly dues question. We have 5 board members, so we vote on what the increase will be, if any, but my concern is separating the "Needs from the Wants". I am interested in how others have dealt with this situation. Also, do you think some things make sense, asking the community to vote on what they would like to spend their money on?

Today, my Samsung TV will no longer turn on or off with the Roku remote. I am using a Roku Stick, and for the longest time it worked. I have gone through the Remote IR setup multiple times, but it never made a difference. The weird part is, the Roku remote volume buttons control my soundbar, which they never did before, but now I can't get it to control my TV. After some ChatGPT prompts, it asked if the IR setup ever asked me to set up the TV power, but I never get that option. I go through the whole "Can I still hear the music?" but I never get prompted about the TV power. I'm now wondering if I can only have EITHER power working or sound working, but NOT both. At this point, I can't get the power working at all. Should I be prompted to control not only the sound but the power too? Is there any way to remove all traces of the remote's settings and start from scratch? Thanks!

I enter into Bull Put Credit Spreads using XSP. Last Friday, my early exit signal fired, and I exited with a $30.26 loss. I entered yesterday, and a few minutes ago, my early exit signal fired, and I exited with a $163.68 loss. These last two weeks have been a bit brutal trading these BPCS. Anyone else having a similar experience? My early exit signal gets fired when I am 2 points above my Short Put. My short put yesterday was 727, and my long put was 722. So when the price hit or dropped below 729, I immediately logged into my Fidelity account and closed the strategy.

I have a subscription to YouTube TV. I have two TVs in my home in Plymouth, Mtg PA, and I have three TVs in my vacation home. This past weekend, at my vacation home, YTTV started complaining about its location, and, reading too quickly, I accidentally updated its location from Philadelphia to Salisbury, MD. The TV worked fine, and the channels did not seem to be impacted by the change. When I got back to Plymouth Mtg, PA one TV shows a Philadelphia location; however, the other TV shows a Salisbury, MD location. My question is, should I change the TV in Plymouth Mtg, PA, back to Philadelphia or leave it as is? If I do change it back, I'm not sure what will happen to the vacation TV. Any idea or insights on this? Thanks!

Just trying to confirm if this is how I can close out a vertical spread on XSP

1. I clicked on Option Summary
2. A page appeared showing multiple lines, one line contained ^XSP, and under that ^Credit Spread.
3. There are three dots next to ^Credit Spread.
4. When I click the three dots, I see these two more options: Close Strategy and Go To Chain.
5. I'm assuming I would hit "Close Strategy," and it will close both legs of the spread. Is that the correct procedure?

Thanks!

We had a townhome that developed a leak at inside the wall that connects to their outside hose bib. The leak spread into an adjacent home that shares a wall with the two homes. The claim was reported to our insurance company, and they stated the HOA insurance policy covers those damages. Now bear in mind, we have a 10K deductible per insurance claim, before the insurance company iteslf has to pay any money. Other members on council are questioning if the insurance adjuster is interpreting the CC&Rs and By Laws correctly. Here is a snippet of the section the insurance adjuster is looking at:

16.A:
__Fire and Hazard.__ The Council shall obtain and maintain a multiperil "master" or "blanket" type policy of insurance on the entire Condominium (Units as well as Common Elements) including standard fixtures and building service equipment, and all other insurable improvements which are a standard part of the Units or Common Elements (but which shall not include any alterations, betterments or improvements installed by a Unit Owner) and also on personal property, equipment and supplies held or acquired by the Council for the common ownership and use of the Unit Owners and occupants or of Council, which insurance shall provide coverage at least as broad as that afforded under a standard fire, extended coverage, vandalism and malicious mischief insurance policy or package, or alternatively providing all risks or all perils coverage, and such other risks as shall customarily be covered with respect to property similar in construction, location and use.

The owners are stating that the adjuster referenced the following points from the section above. The relevant facts supporting the position of its association insurance vs owner :
• The failure was a hose bib inside the wall of Unit 37123
• It was age-related — no owner modification or negligence involved
• It is original building infrastructure, not owner equipment
• Section 16(a) of the Declaration covers exactly this scenario

My concern and question is, does this make sense? If we agree with the insurance company's explanation of the association insurance vs owner insurance, we are on a very "slippery slope." I'm sure there are a multitude of plumbing joints, whether they be tees, ells, and/or pipes running through over 100 townhomes that are "original building infrastructure" and unmodified by the homeowner, and if they now develop a leak, the HOA's insurance will be liable based on the bullet points above. Does this make sense to anyone? Can the HOA be liable for the life of the home?

When I ran it through AI to analyze that section of the document, it stated the following:
Important: The passage establishes what the HOA insures, but insurance coverage does not equal liability. The HOA carrying a master policy does not automatically make it responsible for every water damage claim. The source and cause of the leak matter most.

Later it stated this:
Key Facts Working Against HOA Responsibility

1. The pipe belongs to Unit Owner A. Section 16.A explicitly excludes the HOA from liability for damage originating from within an individual unit. A hose bib supply pipe is almost certainly part of the unit's plumbing, not a common element.

2. The HOA does not insure personal property. The section explicitly states the HOA is not responsible for insuring unit owners' personal property.

It then directed me to the Maintenance Section of the documents:
Section 9: Page 11 & 12:
Each Unit Owner shall, in a timely manner or as otherwise may be provided in rules promulgated from time to time by the Association, furnish, perform and be responsible for, at the Unit Owner's own expense, all of. the maintenance, repairs and replacements for the Unit Owner's Unit and appu1ienant Limited Common Elements, provided, however, (a) such maintenance, repairs and replacements as may be required for the functioning of the common plumbing, heating and water supply or sewerage collection systems and alarm systems within any Buildings in the Condominium shall be furnished by the Association, but any and all expenses incurred thereby shall be the responsibility of the Owners of the Units located in that Building;

Unit Owner A Is Responsible for the Pipe

The maintenance section is clear that plumbing fixtures and systems within any unit are the unit owner's sole responsibility. A hose bib and its supply pipe inside Unit A falls squarely in that category.

 

The Critical Exception – "Common Plumbing"

There is one carve-out: maintenance required for the functioning of common plumbing, water supply, or sewerage systems shall be furnished by the Association (with costs shared by building owners). The key question is whether the hose bib supply pipe qualifies.

If the pipe is...	Then...
A branch line serving only Unit A's hose bib	Unit plumbing → Owner A's responsibility
Part of a shared main line serving multiple units	Common plumbing → HOA's responsibility to maintain

A hose bib supply pipe almost certainly serves only Unit A, placing responsibility on Owner A.

Does anyone have a situation like this, or can they offer any additional help or ideas?

Sorry for the length of this post. Any help appreciated...thanks!

We maintain two primary accounts for our finances:

1. Operating Account used for day-to-day expenses
2. Reserve Account used for capital or reserve-related projects

I was speaking with my property manager, and informed her that we may have a new insurance claim, and if any money is received for that claim, I want it deposited into our reserve bank account and NOT into our operating bank account, where it can be used for all general expenses. Basically, I want this insurance money insulated from the operating money so it is only used to pay the insurance claims bills. At that point, my property manager said I was not allowed to put the money in the reserve account, to be used as a holding area, and then withdraw that money at a later time to pay invoices related to the claim. Does anyone know if what I am being told is correct and valid? Our HOA is in the state of Delaware. Thanks!

I have a TastyTrade account and was wondering if it is possible to set up an alert on the Ask price of an SPX Vertical Spread. If so, are there any directions on how to do this? Thanks!