Married to the homeowners association

In marriage, sometimes it dawns on you -- slowly -- after the ceremony that not only have you agreed to bring a spouse into your life, but a full spectrum of in-laws, too.

So, too, it can be with homeowners associations: Maybe you thought only that you were getting a residence with, say, a great kitchen or a dazzling view -- but you also bought into a condo board or owners association that will make demands on your cash and maybe on your lifestyle.

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