August 19, 2026 Tamarack and Villas HOA Meeting Transcript

I don't even know where. Did she even come? Here she is. I think we should go ahead and get started because it's after six thirty. [inaudible] Six thirty two on August nineteenth. First thing I am going to do, you guys, I don't know. I don't like first thing I am going to do. You guys can all hear me right? I mean there has never been a problem with me. [inaudible] Our public pool. [inaudible] So he's going to talk exactly what's going to happen in the fall. As you all know, we weren't able to get the resurfacing done in the spring due to weather. Not too hopeful with fall right now either; I mean it just keeps raining.

So we're going to close the pool just so you guys are aware. We close at nine o'clock on Labor Day night, and at that point it'll be in their hands and they'll start to close it up for the year. We're shooting for September 14th to start the pre-service cycle.

Hello everyone, I'm John Pyle, Pyle's Pools. I think she covered most of the basics there. We will be closing the pool at 9 o'clock on September on Labor Day, whatever date that is, which is the seventh I believe. From that point, we will drain the swimming pool. We will acid wash it, power wash it and begin the prepping for that. The critical component of painting epoxy swimming pools is making sure that the moisture content and the surface itself and the weather is good, which is why we didn't have the appropriate opportunity to paint it in the spring.

Have to be above fifty degrees and about a seven day window for dry weather. Fortunately spring in Indiana doesn't allow that very much. But we have success in painting in September all the way into October. We'll paint. You guys are going to be first on the list. And we will clean those surfaces, we'll prep them and as soon as we have that window we will.

Every five to seven years.

I think we're right at five. I think this is five. And they had told me that the initial one is such a light coat that as I understand it, John, as we start to build the layers on there, we'll get more years out of it.

Correct because it's a high build epoxy and as we put it on there. You probably notice that it looks like there's just thin spots where you can see the concrete going through. So as we continue to build on that, the first initial coat when they build a swimming pool, the concrete surface soaks in a lot of that paint. So they lose a lot of their mil thickness when they construct it. So as we start to build it, it will last much longer.

We had a lot last time.

Buddy. Appreciate it. Thank you. No problem. Glad to help, take care of your swimming pool and enjoy the community. Thank you guys.

next up finances for Tamara.

This is just up through July 31st. I've just got a run through. Hit a couple of high points, low points. You're doing pretty well. We got this money was brought in up through July, and we're still missing about 19. There was about a few more that paid now in August so that's good. The fee income is this when people have lost their key, and they need a new key collection fees. This all on the income side. So the negative numbers are actually a plus for us on the expense side.

This second to the last column is what we budgeted. Over here is what's left in the budget. In this case, we budgeted five hundred for collections. We've actually spent over a thousand, but we recoup fifteen, fifteen seventy two, fifty on the income side of it. We're actually ahead of the game.

Simple things office supplies, we're still under budget. There's still money to be spent here. We're getting close here. Administration charges, you take a picture. Maybe events are still good. This is what I want to address going into next year printing and copying and the postage. A lot of these notices verdict letters violations. They're going out either certified mail USPS I don't think we. We're going to have to look at the laws that changed in July. They're saying an e copy is just as good as postage now, So we're going to start drifting more toward that way. So we don't have so much postage cost. Insurance premiums this was interesting went over budget here because oddly enough, as long as we've been in this subdivision, cons three and four weren't even on our insurance policy. We started looking at that, talked to the insurance people and they added.

It cost us an extra two hundred dollars to add those two ponds. So going forward, I only budgeted for what we spent the year prior. But now that we added the two more ponds, it'll go up by an extra two hundred dollars going forward. The ponds in the neighborhood, there are four ponds. There are two up and down with a little walkway between and then when they did section three. Two and three, they had two more. I've never included it. I'm going to charge them. Here we have electric, gas, water. So again, what we budgeted and what we spent were looking good. Haven't gone over budget on any of those items yet. This is only through July, so a little more than halfway, so that's good. Landscaping.

Here we went over a little bit of pool management. We budgeted, that's actually the contract with Pyle. So we budgeted seventeen five, we've spent seventeen six. We're going to be over that, but that has to do with the incidents. We get people who have feces in the pool, throw up in the pool, it causes extra trips and then extra testing things like that. We went a little over on security, I budgeted for ninety nine dollars a month. Come January, they turned around and said it'll be one hundred dollars, one hundred and eight dollars a month. So we went over there. It's also installed the cameras, so we'll be a little bit over budget on that. Air maintenance, the big one there was I talked about this last meeting. The glass media spent twenty five hundred dollars when we're done if I have to buy any more sand.

Media for filters, a lifetime. Prepare now. We did that because we had the money in the budget.

These are some of the check disbursements. This is all online if you ever want to look and check any of these.

Services now we're switching over to the KSN. I like their billing. Their billing works in such a way that the billing goes to the homeowners. Before with each Murray and Q, they would bill us every time they had to do a collection service. And then we had to wait for that to get to corridor, get a case filed, and then we'd get our money back. KSN puts all that money up front, so they front the money to go collect it and send out the letters, send out notices of late payments and whatnot, and then it gets paid back to them when it's settled. It's much better for our side of it. Professional management fees, that's first on the agenda. Other expenses, they did put in the other fifteen thousand. So far, we put in thirty thousand in reserves or really good shape.

You can see our reserve statement budgeted thirty, put in thirty. Now here are some expenses we have coming up that I want to talk about. So yes, we have seventy thousand in reserves as of eight one and then eighty three thousand in our operational fund. Of the seventy thousand, we have thirteen thousand going to go over for the pool painting and another eighty five hundred.

Looking to get a cover for this year for the wintertime. Roughly twenty thousand coming off of that reserve amount. My intention is to go into next year with fifty thousand in reserves and approximately fifty or sixty thousand in operations. That should give us a setup for my plan for next year. I want to reduce the fees for next year because I think we're in pretty good shape. They jumped so much when we first moved to this neighborhood because we had nothing in place.

Like a thousand dollars, we're sitting good. If something bad happens, I think.

There's the checklist that we should be able to get back to. Just put it on the slide up here.

Want to look at so far in August?

Kind of halfway through, so this is money that we've spent so far in August. There's eleven more paid there.

Are we still at twenty one that haven't

Twenty one minus eleven? We're missing twenty one total. And then this is old; this is a couple days old. I think we're at seventeen now, but eleven people as of when I printed this out list to pay. Here's our electric. Water. We did talk to BAM Landscaping about some of their issues. We did get a reduction the next couple of months for seven hundred and fifty dollars. So that should help. I just wanted to get down here and talk about some of the money that's coming out of reserves, we're going to do a book library probably by the pool area, pool painting.

The reserves were already.

Budget projections, or we're only going to collect one hundred and sixty two thousand, and that would be two payments of three hundred each next year. These are the numbers that we're working with for twenty seven. This is a final. This is what I am proposing we could do. This is where the big difference where we put in thirty thousand this year. I only plan on putting.

Going in, we'll have back about 50,000. [inaudible] So if our operating fund was one hundred and sixty two thousand, roughly twenty percent would be thirty two thousand. So we're above the twenty five percent actually.

The standards we've already met the standards. Well

This is just for one year. I am thinking ahead.

So next year we're good; we're sitting good right now, so I don't want to keep throwing a bunch of money into reserve. I'd rather keep everybody's dues lower. And then if our reserves start falling down to twenty thousand, 25,000, the next year's budget, maybe we go back to 15,000.

Keep in mind what he's talking about is only on the Camaric side. This is not the Villa side. Tom will talk to that.

And just as a background on this, this is part of the new HOA laws that went into effect in July. We're going to cover what those laws are shortly, but we need to talk about these rentals and why we're going to be sending out information to find out who's in a rental. Right now we don't know who owns a rental, we don't know who's living in a house or who's renting a house. We had sent some information out asking for all types of homeowner information, and we got a lot of pushback; people didn't want to answer those questions. So we're going to change that document and it's going to be very direct. We need to know if you're living in the house or if you're renting it to someone. And we need to know that for a couple of reasons. We have a statement in the covenant.

How many rentals we allow in our neighborhood. And then ultimately, this new law that went into effect in the state of Indiana is impacted.

This is actually the amendment that we passed back in 23 or 24 that restricted the amount of rental properties we could have. You all voted on it and you all agreed to these terms. It's just a quick reminder to let everybody know what this really says.

I highlighted the things in blue. The rental cap can only be 5%, which comes out to about 13 homes. We don't have 13 rentals in our subdivision right now, so we're under the 5%. If you do want to rent, if the person moves out of a rental, they have 60 days to re-rent that house. If they don't re-rent it in those 60 days, they go back to the bottom of the list. Who's up around the list that they want to rent? They can get it.

This waiting list, and that's what I've been talking about. We really need to get back to find out how many rentals there are, who's on the list, and who's in the next order. When somebody sells, do they fall down? We're trying to look into that and get it resolved. Talking about some partnerships here. All leases have to be for one full year. There's no such thing as short-term rentals—you know—just for the weekend or just for sixty days. It's got to be a full one-year lease. Once that lease is signed, you have fifteen days to turn that lease over to the association to say that here is my tenant and they're going to start on such and such a date. There's a big catch: if you move into the house, you have to live in that house for three years before you can rent it. A waiting period; you can't just.

You can't just come in, buy a house, and turn around and rent it. So I think going forward we talk about whether they can sell it as a rental income. Because the person who buys that house has to live there for three years first. And that was all signed officially. So that's part of our amendments. That's the amendment in our bylaws. So that has to be followed. And now with the laws written the way they are, we could issue fines for people who don't follow those restrictions.

Ms. Jaggar, what about the code? It's going to have to be done.

I'm not sure it's going to be back.

Into the report. It wasn't met very favorably when that was sent out; people were offended that we wanted to know what kind of car they drove there. These were just standard forms that go out almost every year. But what we're going to do is create a form that strictly asks if you own the house, if you live in the house, that kind of thing. It's going to be included in your yearly mailing. So it'll be included in the yearly financials and all the stuff that goes out right before the year meeting. Hopefully, unfortunately, we're going to have to do the same thing we've done before. If they don't answer us, we'll have to go door-to-door in the middle of the winter and ask these people to build.

Because we have to, by law, we have to live up to what the state has deemed. So we'll just go door to door. That's all we can do. Anything else? We're going to talk about this at a very high level. We're in the works right now working with our attorneys to put into place and. Take advantage or I guess, not take advantage, but, take advantage of the new laws that have been put in place and the laws we have to follow the laws. Associa has to follow the laws that have been put there to protect us both as homeowners and as HOA board members. So the first thing that happened this year is there were five house bills that went in that were they can hear me trust me, I am just I see some people in the back kind of scream. Can you not hear me I'm not a fan of microphone, but if you.

You have to make me do it. I will. As long as you don't sing, that's fine. I am fine with singing.

I don't know

So there were five house bills. Within those five house bills, it resulted in thirteen new HOA laws. Those laws really span a variety of things. A lot of those things were things that maybe we had thought about. A lot of them we didn't think about. We've been pretty adamant that we need to learn these laws as a board and make sure we're taking advantage and also working with the attorney to do what we have to do. We've been very impressed with the new attorney. She was actually the person who was spearheading the majority of these laws this past year, so she's been very helpful to us. The first one we're seeing here is clarification on owner obligations. What long and short of this is, covenants have to be followed.

Whether or not, we don't get a forum at some point when we're voting a board in, doesn't matter. You still have to pay your dues. You still have to follow the rules. All of that has to take place. There's there's no room for everybody going, oh I just won't vote, We won't have a board and guess what? Then I'll put sheds up or I'll do whatever I want to do in the neighborhood. Doesn't work like that. The covenants are the law of the neighborhood. So it's very simple they're just protecting the neighborhood is what it is.

This is about the budget increases. As you guys know, we always present the budgets to you in that final meeting of the year, so the November meeting. And we can move forward. This is a law that's out there for the new HOAs being formed. We are an old HOA, so anything formed after July first of twenty six have to go by these laws. Our laws stay as our rules stay as they are. We just present to you the budget, you guys yes or no it within the meeting. We don't send out votes on this. We just get a vote, and we move forward with what the budget increases are. We have rules. We can't go above ten percent without everybody being involved, and we've never done that, and we won't do that going forward. So were grandfathered in? Yes.

At a ten percent max. Exactly. [inaudible] The next one, this is before, sorry. That's a continuation. You go on right? Yeah, that was just the same thing. This one, it more affects associa than it affects us. You guys. So in the past, if you sell your house, you have to get a letter from them. And you have to be able to take that to closing. What that amounts to is, they tell them if you have any past due dues, if you have any past due fines, if you have any money you owe us. So then at closing we get our money. It doesn't get lost in the shuffle. So again, this is more on associate side than it is on our side. We don't produce these letters. Associate produces those for us as part of their service. So this affected them much more than.

Just if you decide to sell, know that it's handled. This one we pretty much cover. I'm not too worried about this one. Truth of the matter is, we're very transparent about what we charge for a key to be replaced. We don't have clubhouse rentals, we don't have any dock boxes or golf cart fees. Landscaping services, this isn't something we've done in the, but we are looking at doing this for the villas going forward this year, where we'll offer up aeration and overseeding in the fall. Tom's working on that to see if he can get that put together very quickly for you guys. This comes down to the fact that it's exactly what we tell you guys about us all the time. This board is transparent. We tell you where the money's going, we tell you what we're doing with it. Jeff always puts it up there on the screen, so everybody can see it and everything's posted on Town Square. There is no secrets.

This really isn't going to hurt us. Not change anything for us. We're just going to go forward business as normal. Everything's being dealt and itemized. This one, no, that's yeah. This is the bigger one you guys. This is the one that is going to be. This is the one that's being discussed with the attorneys as we speak. As you guys know, we send out violation letters. We send out another violation letter and we just keep sending letters. And right now, we have no recourse whatsoever for people to obey the rules. We don't have anything we can do to get people to abide by the covenants. So what happened is effective July first, twenty six, they got the state of Indiana decided that every HOA has a right to initiate fines.

Against their residents. There's a lot of rules. We, as a board, have to go through before those fines can go in place, and we've just now started the process. The attorney has sent us a template and what she proposes should be our fines and what those fines should be. The way she came to that is she went line by line in the covenant. If this is a rule, this will be the fine. Fines don't happen day one. You guys. These fines are happening after you've gotten x number of letters. You get told your yard has weeds in it. You have periods of time to fix that. You get a second letter that your yard has weeds in it. Then you get ultimately, I don't know, we haven't even decided yet on how many letters there will be. But there could be maybe a third letter before it even gets turned over to the attorney. And then they send a letter and then they send another letter. The way I counted it when we were talking, we've got another meeting with her next week.

You could potentially get five letters spanning three months before any fines are initiated against anybody. I would think anybody in this room or in the neighborhood can take care of a violation in three months and not be faced with fines. That's what I hope, that's what I'm hoping for. There's no reason to get hysterical about us sending out these massive bills that we're going to fine people for things. We're just trying to put.

Protect the aesthetics of the neighborhood and the covenants that we all signed when we moved in here. That's the only thing that's going on here.

The fines are going to be proportional. That's what we're working on now. Maybe a fifty dollar fine for a lawn problem. But if somebody's renting the house illegally and they're charging two thousand dollars a month rent, I'm not going to find them fifty dollars. That fine is going to be like fifteen hundred dollars per month. Otherwise they're just gonna say oh these.

It's similar. Think about this. This is the other thing. It's similar for people who think they're going to run businesses in the neighborhood. No businesses can be run in the neighborhood, except one I'm going to talk about in a minute. So we can't build them $50 because they're running a business if they're clearing 60,000 in a month. Those fines have to be appropriate to the violation. And that's what we're working with the attorney to understand right now. What those fines should be.

All those will be posted before any.

There's all kinds of rules you guys are going to get letters. You're going to get letters because we have to send you a particular statement before we can even hold the meeting to have these presented to you. But keep in mind, they do not need to be voted on because these are Indiana state laws. This isn't like changing the covenants. It's very different.

They've lowered the voting percentage. In the past, it had to be seventy five percent. It's now a two thirds vote for the number of voters in the neighborhood. We're at two hundred and how many houses? Two hundred and seventy houses. It has to be two thirds of the two hundred and seventy in order for anything to pass that we put to vote.

But that's changed too. You have to have a home study exemption. So a person who's renting.

Does not have the right to vote. The other reason we have to know who's running these houses is because you can't show up here and put a vote in, and you can't do a vote online if you are a renter. It has to be the homeowner, has to be the person. And they have to live within the house in order to do that. So there are some new rules to this whole rental thing. We've got to get ahead of it. Otherwise, we're not going to be abiding by the law. That's right there; you've got to have homes that are actually occupied for taxes. And Jeff talked about this.

A little bit. This is the actual rules to what we're seeing with this. We had already taken some steps, like he said two years ago, to get a handle on the rentals because we were seeing the rentals weren't being properly taken care of in our neighborhood. And so we had taken some steps, I should say we two previous boards, two boards ago had taken some steps to make sure that we were protecting the neighborhood from houses that weren't like where they weren't. And so this is a law then that Indiana's. We've already initiated this. You don't need to increase it. That's what happens. We this, we've already done that as of July first. We were made aware by Associa that we have to start posting the agendas four days ahead of time. Not a big deal. You guys everything gets posted on Town Square. I'm not going to mail them out.

Cindy, make sure everything is posted four days before the meeting. We try to go a week ahead. This time around nobody responded, but I sent out a note on Town Square. If you have anything you want on the agenda, please bring it or send it to me so we can get it there. Nobody responded. So we did not add anything from the neighborhood. It's in.

[inaudible]

I didn't miss it. This affects association removal fees and production of documents. This affects association more than it does us as a board, but I just want to make sure you guys knew what all the new laws were, because they weren't just applying to the residents. The board, they also were applying to the managing partners.

This is the one I was talking about. No businesses in the neighborhood, right? I think we all know that. However, the state of Indiana said that you can run an in-home childcare in your house if you are licensed and have all the proper licenses. The other thing it says, which I'm going to get clarification from the attorney on next week when we talk, is it has to be a small childcare. What's small? Is that one or seventy five? I don't know what small is because I've never run an in home child care. So I'm going to work with the attorney to make sure we have verification of this. The one thing I would recommend to anybody who decides to take advantage of this is to remember you still have to go by the rules of the neighborhood. There's a lot of rules in the neighborhood that could affect us and I would, if it were me, proactively send my licensing to the board so they can be safe and so we don't.

Bother you, when we figure out there's 35 kids in your house being taken care of, and I'm being facetious. But I mean, we want to make sure that we're not bothering you when you've done everything right? So please understand if this is something you choose to take advantage of, make sure you get your proper licensing and proper permits, make sure you have the right number of people in the house for the number of kids. There's a whole bunch of rules to in-home child care. So please make sure you're following.

This one, I gotta tell you, I am not a clue here. Next. That's the repeat. Here we go. Amateur radios. I don't know what these things are. They're the big towers that have two-way ham radios in them? [inaudible] I didn't know. What does that ham radio do? I don't know. So if you want to have a ham radio now, you're more than welcome to have a ham radio. Thank God. Oh gosh, I was worried about that one. This one I found this kind of weird but whatever. Some places must not allow American flags, but I can't even imagine this. Whatever we do have rules for American flags.

The pole can only be so high if you put it on a pole. There's rules to that. We just had somebody apply for one of these just recently. We have restrictions as up to twenty feet as to how high they should be. But oh my god, if you want an American flag, put an American flag out. Nobody's going to complain about that. That's right. Well yeah, and that goes beyond this, but they say you can only have two now. Some people are cheering on Notre Dame IU and Purdue and all these things, so you guys please just be respectful. We don't need to see like we're at the five hundred with all the flags flying in your neighborhood. I don't think we have anybody who's abusing this or would choose this to abuse this. The one thing I did get, and this is my husband's gonna be thrilled. I brought this up. This whole license plate reader. Do you guys know what flock cameras are? We've got one at the front of our neighborhood.

Does anybody know why?

Oh gosh.

No. Does anyone know why and who monitors those?

Mark Zuckerberg.

No. We're going to talk to the town council about it. We're going to ask the question because it's kind of weird that it's there.

Do you think they might have put it in there when the neighborhood was being developed?

I have no idea.

They got them on all sides of town. Now They got four They got them on all sides of town. There's one as you come in.

I was on the one at our entrance. They got them all over.

It's like it skirts the town. It's government surveillance.

It's on city property. So anyway, it's a question? I have nothing to hide, but I kind of made me wonder when it says we can't have license plate readers. So I don't know, and those things can be hacked easy. Just so you guys know, I know a bunch of hackers who could get in there without getting all their stuff, if you want everybody to know where your kids are at the end of the day. I don't know the answer to that yet. I haven't asked that question. This is the one. This one doesn't really apply to us, because we don't have any private streets in our neighborhood. All our streets are owned by the town of Cicero. And so they control all of this. So again, this one didn't apply to us, but there are some really big HOAs in the area in the city or in

They actually in the area of Indianapolis, I'm sure this applies to but it doesn't apply to a lot of us. You guys. So it's not an issue.

Do you want to post these?

I was going to say we're going to go ahead, and we will post these on Town Square. The other thing I would recommend to you is if you want to dive deeper into these and what was behind why they did this and why they felt these were important. There's Indiana State HOA side out there. I have used it continuously for almost two full years now to educate myself on what the state rules are different than what the covenant rules are and how they apply. But keep in mind, the state's book they trumped the covenants, just so everybody's aware. We're not fighting with the state about these rules, and you can see very few of them apply to us. It's just not a big deal. Are you guys able to leave that on Town Square too for us access? We can do that.

We'll just post the link. It's not a big deal to get to it, so we can do that for you. And I think that was it from my side. We've already talked about the fines deeper than I really wanted to go. So I think what we're going to do is we're going to move over to Mr. Jarvis and he's going to talk about the bill's budget. Hey you guys, can you hear me?

For the federal budget, as of July thirty-first, rehab thirty-six thousand eight hundred and sixty-eight in capital outlay. You need to put the microphone a little closer because I can't even hear you. I can hear myself so I think you don't have to worry about it.

You're right. There you go. Better. It's perfect. [inaudible] It's lower than last term because we had some roof repairs and we had reserves. We've got that straightened out. So thanks for that. We have $160,935 in the reserves account now. And that's higher because we finally got the extras in there. We're finally putting in the amount of money every month that we should be putting in our reserves account.

So that should be showing. Good.

We spent sixteen five in the month of July. We only budgeted twenty six hundred.

So how much money do we have left?

[inaudible]

[inaudible] And then we have four thousand seven hundred eighteen dollars in accounts receivable because we have several delinquent accounts. And we have fifteen thousand eight hundred and ten in prepaid operating.

We finally figured out we got the insurance money adjusted so that they are hopefully taken out of the budget and for the rest of this year. We are working on a budget for next year. Any comments? Questions? Great. Thank you guys.

Let's talk a little bit about Bella's budget for twenty seven. We're working on that now. I need to send something to us, but we know that that's going to have to go up. We know that our contract is going to increase for lawn care, probably somewhere around.

And also, I think we have to be proactive with the roads. MI did not do us any favors. You haven't lived here long enough to know, but they used a very, very uncommon shingle that most people don't even use anymore. It's pretty obsolete and we've had some leaks.

[inaudible]

It's a high deductible. Hey Tom, can you use the microphone? We can't hear you.

We're looking at inspecting all of the roofs right now for the buildings. We've had to replace two partial roofs already at ten thousand a pop. Our reserves cannot sustain that. What I propose to do is to inspect every roof in the villas. And if what they look at is nail pops that come up. Some roofs have it, some don't. The ones that we've had to repair have had a numerous amount of.

Nail pops come up. They inspected my roof just to give me an example, and I had zero nail pops. I think it has to do with the crew that they're using on a house. I also think it depends on the time of year. They put the shingles on and weather conditions. I think that's affected it. But what they'll do is they'll take pictures of every roof, and if nail pops are up and out, then they will drive new nails and also apply silicone around there to seal it so that water doesn't get through there. And I think that will buy several extra years by doing that. When's this getting out? We haven't gone into an agreement yet, but they're going to start this probably in September.

And I just think it's a good idea to have all our roofs inspected. The other thing he said, and he used to be an insurance adjuster before he started doing this business. If we need to do a claim, then an insurance adjuster may say, 'Well, that roof's not damaged enough.' Well, he can pull up the pictures and show the damage. So we won't have that contention. We'll let you know when they're going to start that. Be prepared to have somebody go up on your roof one day. Do people need to be home? They don't.

To. You say there's about ten thousand to replace the roof on the village for a partial. Do you know what parts of the roof are leaking?

It's toward the front on both these that I know about.

It's like close to the gutters, like down or up at the top. I am just asking this to my grandparents.

Single family homes are going to have it too.

I just wanted to say that we already have two people that were misunderstood and thought they got to have the same benefits that the villas had. We had to let them know very quickly. Did you own that house? The warranty was one year; it's all they gave us. If your roof is leaking at four, it's on you. Unfortunately, there's nothing that the board can do for you. There's no insurance. It's just owning a home is what it comes down to. It's Tom's point; they didn't do us any favors. You guys need to just be prepared.

And even on a single family house, they want to have their own stuff and make sure things are covered.

Bill?

We've been talking about this. Jackie and I experienced several months ago when the second owners of the villas moved into the neighborhood. Trying to be a good guy, I explained to them it's not transferred; it's really transferred to your HOA. [inaudible]

There needs to be an effort made. We've had five or six bills sold in the last few years, and I don't know how many people don't realize that in our original documents with them, because with the insurance policy, as you and I talked, there's a ten thousand dollar deductible which we'd have to take.

I thought that was in there. I argued with my two neighbors; we had to pay ten thousand. We said all along we lost thirty or forty rooms. I think that's what.

It comes down to the reserves are there to replace roofs when we anticipate this and I mean you think it's going to be fifteen or twenty years? These roofs are only five and six years old, and seeing a lot of damage. So again, I'm just telling everybody we're going to inspect the roofs to make sure that they're okay. Single family homes may want to do the same thing. Going back, the BAM contract and snow removal, they are going to be giving us a quote, but we've also sent out asking for other businesses to give us quotes. We'll be looking at them very closely.

Liz, do you know what the date was on October first? I didn't see you there. October first?

We're talking to companies constantly. Their final bids are due out for October first and someone's coming.

[inaudible]

We have people visiting and ensuring the scope. We have a meeting tomorrow.

For example, we're actively looking at getting new contracts. I just know it's going to be a lot more expensive. One thing I also want to say is this: usually during the season of mowing, they will skip one or two weeks just because of the dryness and the brown grass. It's not growing very well. That's not happening this year, and so we may have to purchase one or two extra mows at a thousand dollars each time.

It's very cheap. I just did the math. It comes down to nine dollars and forty-five cents per villa to mow. But again, we may have to add on some extra pay for those weeks, just to let you know. And we did talk—I did talk yesterday—to BAM about aerating yards. If you want them, and they will reseed. They gave me a bid today, and it's one hundred and thirty dollars per yard for the villas, and that includes overseeding. I will send something out on Town Square probably by Sunday with information. But basically, what's going to happen if you want yours aerated and overseeded, you are going to have to pay up front. It's going to be the whole yard—not just the front or just the back. It's going to be the whole yard. And we're not going to piecemeal that.

It becomes too confusing. [inaudible] That's what they'll do. So that would be sometime in September. We'll have a deadline if you want to go ahead and pay in advance, either check or card, but again that would be on town square. Any other questions for me?

That's true. I know they tore up mine and as a matter of fact, I got a window cracked by a rock just last week.

That's a good question because I've said something to them before, and I will say something again. That's not true. [inaudible] Because hang on, they're supposed to do the front yards with what is it 12 inch or 15 inch? He'll know. It's not the 48 inch right now.

And again, I know that they've chipped my window, they torn up some siding. But if you think about it, if we had twenty mows, that's two thousand yards they mowed. We probably haven't had more than ten, fifteen, maybe twenty at the most out of two thousand yards in our neighborhood. And I think any companies they're going to have, they're going to have some damage. They've honored the repairs and they have honored all the repairs. They haven't honored my window. I am kidding. But yeah, I think any company we go with, we need to make sure that they know that they're responsible for any damage. And I think BAM's done a nice job on taking care of that damage. You've got a question in the back or two back?

Ma'am. We took a couple months off and we were meeting again about what Jackie might be doing.

We started out in the past, the board only ever had maybe two meetings in a year. And we took a different approach when this board went in, and we were meeting ourselves. And then having monthly meetings with the community. To Tom's point, we took a couple months off because of summer. So many people are busy and we just weren't getting the attendance. But our intent is to have a minimum of nine meetings in the year. When do we meet? We come together about a week before these meetings.

The next annual meeting will be on October twenty-first, where we vote on everything budget.

She's asking how often you guys meet together. We meet. We'll be together collectively both boards. We met last week just to go over the agenda. We don't make decisions there; we just set the agenda. That's at the annual meeting.

But we make decisions all year long. When the requests come in, you get communicated as to what the decision is. Decisions are made all the time. We don't necessarily have to be in the same room to make those decisions. We will talk via text, we'll talk via email, we'll talk via phone and decisions if you use Town Square, everything is communicated on Town Square. We don't do anything outside of that, if that's what you're asking, but we do meet regularly to prepare for these meetings.

When I'm trying to understand, is it when a person's waiting for a decision, who do they contact? Do you work through Town Square? Is your question on Town Square? Well, as we've said, this is the tool we use to communicate to the neighborhood. So if you have a request, whether it's architectural. I hear you. There's an ongoing issue. I'm just trying to figure out.

We have to know what is the issue. Do we know about the issue?

She might not want to talk about it.

She might. Can we talk about it after this? I don't know. I'll talk to her afterwards. We'll talk afterwards. I want to. Oh, are you done? I think I'm done. Skip back.

To the I've got a little experience in that business too.

[inaudible] [inaudible] I wouldn't surprise me if most of this would have been there. I agree.

I think it's important to note that at this point, be told me, I wouldn't assume that this is poor installation or nail pops. I would have somebody come out and do something because the insurance companies will come out and they're famous for trying to blame something on nail pops or poor installation or whatever it is. What they might have.

Are you saying that? Fixing any potential nail pops that are found in this inspection process is not worth it or is not beneficial. I am trying to understand.

Can fix if you can repair them. It's like a band-aid; it's only a temporary thing if it's not installed correctly. If they're telling you that it wasn't installed correctly, that's why you are getting the nail pop.

They're saying the nails are too short. Some cases I've heard and they didn't use long enough nails. What else did you hear?

That's maybe they like they found several different sizes of the nails to put on the roofs. My roof.

Had longer nails than what was used on the roofs. That's a good point.

It depends on the crew that they hired to do roofs. I found Fireball whiskey bottles on the worksite of my house, so I don't know if they know what kind of nails they're using. We found a whole bunch of them. They were, I don't know

A whole pile of them in my living room.

She was not in the house. They go back in there, they pulled it up and fixed it.

There's one other thing before we walk away. I want to make sure that you guys are aware of such a situation we had in the neighborhood. We got a letter. Morselanding people were complaining. They tend to do this to us. Morselanding complained that they didn't like the way Pond Four looked. And anybody who attends these meetings or pays attention to Town Square knows that we are in a process of how to correct Pond Four and what we need to do with Pond Four. These people went to the town council and complained. I guess it was two months ago.

Then, they filed a 'quote, unquote' violation with the Cicero Police or whatever and said we don't like the way pond four looks. So Jeff Redenour, who's the chief of police, great guy, he called me last Friday. I had the letter for a period of time at this point. We were taking strides. I was working with Mike Shear to take strides as to what we should do around there. As many of you know, that pond was an afterthought to MI. [inaudible] And we have been working with scientists, experts, all kinds of people to try to figure out how we save this pond and make it right. So we had allowed the grass to grow around this pond. I guess that upset some people in Morselanding. They didn't like it so whatever. So we agreed that we will mow that around there. We're going to have it mowed.

I think Liz is working with Luisa on that for me because we had stopped mowing it to let that ground firm and let that vegetation start to build and go with a more natural look around that pond. There but we're going to mow that. But what we're proposing going forward is our thought was we wanted to put wildflowers around that, and this is what's been recommended to us. If you plant wildflowers around that, there's a lot of benefits. A lot of the HOAs in the area are doing this now, and it's all about the whole natural vegetation is what it comes down to. I can't talk nearly as deep about it as Mike. Shear does, many of you have seen his presentation, and what we're proposing. So when I was at the town council meeting last night, they actually told me that they think they need to reevaluate the ordinance. And they think that they need to allow for wildflowers.

Around these ponds. At one point, we thought we were going to put a fence up there and just block off Morselanding completely and say it's not your problem now. You don't need to worry about it. That's one thing, one approach. But I and the other thing is, we're definitely doing no trespassing signs. They use that pond regularly, and there's a liability involved here. As we've all talked about the liability of the pool and the liability of the ponds, we've gone on.

We don't know yet as a board what we're going to do because the town council's being so nice about this and working with us on this. We have to be back at the next town council meeting on September first. They promised me they'll have a decision by then as to whether they'll go ahead and let us put these wildflowers in, which is what we're hoping they'd let us do. The reason they asked us to wait was because they didn't want us to spend all the money on the seed and then come back and say, by the way, you got to mow it again. So I told him we'll mow it one time right now. And Liz, this is for you. I don't know if you've talked to Bea. After that before we get to the seeding, because we've got a whole project going on in September, guys, where there's going to be a seed slitter, is that what's called a seed slicer in the neighborhood, and we're going to actually fix some of these common areas, get those things planted.

And there's a lot of work being done by this landscape committee, you guys. We really need to help them out when they ask for volunteers. We need to be very appreciative of the amount of time they've put into this. If you are curious as to what they've done, Mike's presentation that he did two months ago is out on town square. And it's a two to three year project, you guys. And this is what I explained to the council last night. The good news in all of this is we are not.

The council was disappointed that they had never been given the other side of this story when the people from Morselanding came in and just blasted us. They didn't have the other side of the story. I said to him, Can you please go forward if you have any questions or concerns rather than send us violation letters? Please reach out to the board. Any of us is willing to talk to you and be more than cooperative. We don't want to create a bad situation. If you hear about it, I didn't want you guys to hear it and think that we were hiding the fact that we got this nasty ass letter.

It's not fun to get violation letters.

Before we open any questions, one other thing I forgot to mention: With these recent floods, there's been a lot of damage in not only Cicero, but Noblesville and Carmel. If you go to Kroger they're going to ask you if you want to round up. If you have sixteen dollars and twenty three cents, and you want to round up to seventeen dollars, all that money will go toward helping victims of the flood. And the program will match up to twenty thousand dollars. So just throwing that out there so that you know about it. But one hundred percent of the proceeds are going straight to the victims of these floods.

That would be appreciated.

[Inaudible]

Any other questions? You guys? I know we're running over.

Any other questions? Are we good? We are good. We adjourn, thanks guys.

We're skipping September. We'll be meeting in October for the yearly meeting.

Was there, what seats are up for election in October?

Cindy's.

Huh?

Cindy's on the Villa secretary.

On the, on the main board?

None. They're three-year contracts.

No seats are up for election?

No. They were three years. The contract we signed was for three years.

Okay. So no election this October?

Except for the Villas.

So no for the main HOA?

No.