Updated Surplus Numbers

Updated Surplus Numbers
Updated Surplus Numbers: Actual surplus 2018 per audit was $85,163.
Boards 2011-2018 implemented policies and procedures with specific goals:
stabilize owner fees, achieve maintenance objectives and achieve annual budget surpluses.
Any surplus was retained by the association.
The board elected in fall 2018 decided to increase owner fees, even in view of a large potential surplus

Average fees prior to 2019

Average fees prior to 2019
Average fees per owner prior to 2019:
RED indicates the consequences had boards continued the fee policies prior to 2010,
BLUE indicates actual fees. These moderated when better policies and financial controls were put in place by boards

Better budgeting could have resulted in lower fees

Better budgeting could have resulted in lower fees
Better budgeting could have resulted in lower fees:
RED line = actual fees enacted by boards,
BLUE line = alternate, fees, ultimately lower with same association income lower had
boards used better financial controls and focused on long term fee stability

Saturday, March 29, 2025

Wheaton continues to improve

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Link to City of Wheaton Website

One thing we do miss after selling our condo in December 2022 is the city of Wheaton.   There are a number of really nice western suburban cities and villages in DuPage County and Wheaton is one of them.  The City continues to invest wisely in the infrastructure and amenities. However, as far as we were concerned it is in the wrong state, and too close to dysfunctional Cook County and Chicago. 

At one time I lived in Chicago.  I left it because of the dysfunction, taxes and crappy public schools. Wheaton too has changed.  The severe problems in Chicago have come to Wheaton as Chicagoans leave that city.  That is another reason why we left Wheaton.  The Democrats destroyed Chicago, making it a divisive city with horrible public schools. It is a matter of time before Wheaton is destroyed, too.   For some idea of what this is like, just look to California.

We do visit the Midwest frequently.  My spouse did get to Wheaton in 2024, but I did not.  She was there on personal business.  I haven't visited for several years.  I am curious about how BLMH has changed.  The boards in place after our departure shut down the HOA website and it seems the only information available to the general public is via the realtors.   Attending a HOA meeting is limited to owners.  In other words, to find out about BLMH requires making a serious attempt to purchase.   When I first came to BLMH it seemed that problems were hidden from potential buyers. I attended many monthly HOA meetings and from time to time there were angry owners.  This reached a crescendo in 2007.  Some felt that they had been misled.  For example, regular financial data was provided to owners and there were short lists of reserve funds for capital projects.  What was not provided to owners were the projected costs of these capital projects.  Nor were there any reserve studies conducted by professional firms whose sole business was providing these services.  One board member ran on a simple plank: I'll keep fees as low as possible.  However, that's a subjective term and in fact, fees increased at rates of 5% or higher each and every year. 

When studies were made it became apparent there were some serious financial short-falls.  This was exacerbated by the fact that the HOA owned infrastructure including water mains, streets, curbs and street lighting.  At one time there was no budget allocation to deal with water main failures, etc.  

In 2010 things came to a head.  The streams were in disrepair and leaking expensive city water, causing damage on the property.  The streets were failing prematurely and water main failures were occurring with regularity.  There was a major roofing project barely begun.  It was a mess. 

It has been said that all things can be resolved in communication. That was one of the reasons I expanded the Newsletter. Copies were hand delivered to every on-site owner.  The others received a copy via US Mail. The newsletters were also posted on the HOA website.  This provided all owners and potential buyers with significant information about the association, its direction and future plans. Annual meetings included lots of slides and charts, etc.  Later boards phased out these types of open to the public communications, and the HOA website, too.  

When combined, the changes at BLMH, the loss of critical board members, the continuous board delays in turning the water system over to the city and the influx of Chicagoans with their very bad ideas prompted us to sell and move on. 

When we relocated we had the opportunity to purchase in a HOA and we said "No, thank you!"

Here's a link to a blog post containing older newsletters and other information.  When I left all updates ceased:

https://briarcliffelakes.blogspot.com/2021/09/blmh-newsletters.html


(c) 2025 N. Retzke


Monday, March 3, 2025

How RVing extended my life and made it better

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Accepting the keys to our new Roadtrek 210P, December 2013

Our RVing journey began in October 2013 when we rented a Class B in Las Vegas and used it to tour Utah's National Parks.  This led to treks of about 6,000 miles each year and the establishment of two "lily pads" for longer stays; one at the eastern shore of Lake Michigan and the other in Tucson, Arizona.  I've approached each trek, short or long, as possibly the only time in my life I will do it and the one opportunity I have to visit each location.  As a consequence, I make the most of each.

One of the things about life is finding things that fulfill us, make us stretch, find companions, have a purpose and make a difference.  I like new experiences, too. RVing did that and more for me.  I'm one of those people who likes to leave things in better condition than when I found them.  Think of it as applying "no trace camping" to one's entire life. I also like to tinker and take on projects.  RVing is a perfect fit. 

RVing took care of all of the above and more.  After purchasing the Roadtrek, which has been our primary exploration vehicle, we purchased a 30 ft. travel trailer for a Michigan location and a 41 ft. 5th wheel for the Arizona location.  The Roadtrek allowed us to find the campground and resort with a lot of additional exploration.  I took apart much of the systems of the Roadtrek and have become very proficient.  The Roadtrek gave me multiple purposes and what I've learned I applied to our RVs in Michigan and Arizona. 

Summer in Michigan

Our "lily pad" in Michigan, ready for winter


Assembling the deck in Michigan

Our Arizona "lily pad"

We had reached a kind of equilibrium and were comfortable with our Michigan and Arizona "lily pads".  One was in a mega-resort with all kinds of activities.  Tucson has a lot to offer, too.  After covid fear receded we decided to resume our travel plans of about 6,000 miles each year.  Each year from 2013 to 2019 I reduced my working hours.  By 2022 I was remote working for about one month a year.  

However, things came to a halt in 2022 when I became gravely ill. I was diagnosed with an unusual, rare tumor.  It was an inoperable, deadly cancer with at best a 15% survival rate.  In the fall of 2022 we began planning how to deal with this, became permanent residents of Arizona and I sought medical treatment.  It didn't look good. 

When I was diagnosed with a serious illness, it became a new hobby (just kidding). My life's work and dealing with adversity had prepared me for this fight.  I was mentally ready to take it on, had the financial resources to relocate permanently and we knew where it was that we would domicile. That location would provide better medical care with less stress on my spouse.  Overall, I was in poor shape. In early 2023 my urologist suggested that “It might be best if Norm goes into hospice”. But I didn’t and decided to work my way back to a more “normal” life. At one point my radiologist marveled “You are made of stern stuff”.  It took more than two years and with the grace of God, here I am. Stable. That’s better than the alternative.

While undergoing treatment I did my best to live a normal life.  It was difficult. My weight had fallen from 170 lbs. to 135. At first, I needed a walker to get around. But I continued to do RV maintenance. As time went on, I progressed to a cane and finally was able to get around without such support. I frequented the gym at the resort to use the stationary bicycle, beginning with 5 mile trips.  As time went on, I increased the exertion level. 

While treatment continued G and I discussed future travel plans.  However, there needed to be some changes.  On change was our 5th wheel. I could not maneuver inside, and we spent a month in an ADA compliant room at the resort hotel.  The resort has RV areas and park models, affectionately called "candominiums".  It also has a section with manufactured homes and a section of condominiums.   Friends had been assisting us in finding a "home" on the property.  It isn't unusual for manufactured homes to be sold before the listing goes up. Location, condition and floor plan plays a part in this.  G look at several but was dissatisfied. Friends gave her a heads up about another.  She went to the real estate office and toured that home the day it was to be listed.  Excited, she and I talked about this, I hobbled over on my walker and viewed the place.  We talked for a couple of hours; it would be a financial stretch, but we tendered an offer, it was accepted and voila' we were soon to be homeowners. We put the site of the 5th wheel up for sale and did the same for the RV.

We were now down to two RV's!  

Arizona site ready for sale!

As I progressed from radiation therapy through chemotherapy, I began scheming about how to get back into the Roadtrek.  This wasn't possible in 2023.  However, by the time I was in immunotherapy and my stamina improved, this began to look like a real possibility. However, I did have two nephrostomy tubes and a compromised immune system to contend with.  I continued to take on more difficult chores, assembling furniture for the new house, taking on certain repairs and so on. It was a slow, difficult process.  There were setbacks, far too many to list here. Certain physical issues made it imperative that I be within a short distance of a bathroom!

Radiation Therapy Graduation Board - I had made it!

Chemo access prior to the installation of the port

In March 2024 we attended the FMCA RV expo at the Pima County Fairgrounds near Tucson.  We were with the AZ Roadtrek Chapter. This was local and we decided to do a short RV trek.  It was a trial; it was a success and got us out of the cobwebs.

March 20, 2024 - Pima County Fairgrounds

After months of immunotherapy and several nephrostomy tube exchanges I discussed travel with my oncologist.  I told him I wanted to live as near a normal life as possible.  Let's call it "a new normal".  He agreed that I could skip a session.  That opened the window for a 3+ weeklong trek.  At the appointed time we were off in the Roadtrek! It was a press because time constraints wouldn't allow a leisurely trip.  I did most of the driving, too.   We had been away from Michigan for nearly two years.  On arrival I nervously opened the trailer, half expecting to interrupt a menagerie of critters that had moved in during our absence.  But our trailer was pristine!  We did see a small problem with the roof and I contracted to have that fixed. 

2,000 miles one-way, August 2024

The trek was a success! Upon return to Arizona G and I immediately began planning a second trip.  In September we returned to Michigan.  I wanted to inspect the repairs and prepare it for winter. We had our final campfire on September 16, 2024.

Final 2024 Michigan campfire September 16

Today, I'm "stable" and we are planning our 2025 adventures.  I’d say working longer and RVing altered my life for the better, in many ways.  My twin died of medical issues 20 years ago, a younger sibling also passed of illness at 50.  My parents both died of illness at 70-71.  I’ve lived the life they didn’t have the opportunity to.  Perhaps I’m the outlier. Working and dealing with adversity may have prepared me for this fight.  Having the purpose of again RVing and everyone's prayers definitely spurred me onward. I don't know how long I'll be in this sweet spot, but I am enjoying it!


(C) 2025 N. Retzke