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Showing posts from 2026

July 2026 Scoop - What's Missing?

The July 2026 Summit Scoop was distributed today, July 2nd, by email from the office at 5:58PM. What's missing? The Voting Members' list. Why would that list be left out? Could it be because an accurate list would include the names of only eight (8) legitimate Voting Members? There are 28 neighborhoods,  and each should have a genuine Voting Member. Proposed Amendment 1 is designed to do away with the Voting Members. Read it carefully. Vote NO on Amendment 1. In this same July Scoop (Page 3) in place of a list of Voting Members, it states, in part, "To date, eight neighborhoods have successfully completed the election process by forming a Neighborhood Committee and electing their Voting Member and Alternate ( should read Alternates ). An additional five neighborhoods have scheduled their annual meetings to conduct elections." Unfortunately, those who publish The Summit Scoop failed to identify the seven new neighborhoods that have come into compliance (finally) with t...

HOA Bad Debt

On January 1, 2026 the Annual Assessment of the Association increased $50 to $560.00, payable in two installments of $280.00. Two thousand four hundred eighty (2,480) property owners were billed for a total of $694,400.  How many of them have paid? How many have NOT paid? What portion of the $694,400 has not been received by the Association? Amounts unpaid on February 1st were past-due and began incurring penalties and interest. Does the Board even know? Will the Treasurer report on July 7? How is the new Collection Policy of the Association working out? In fact, WHAT is the new Collection Policy (announced 5/5/2026)? Members deserve to be informed. It's not a secret. Assessments are a financial obligation of homeowners (Members). Assessments should be paid on-time and in full. The July 1st Assessment (second half) has been billed. What amount does the Association reasonably expect to collect? It appears that the Board never approved the 2026 Proposed Budget, which is posted on the...

Watch out, Folks. Amendment #10. Vote NO.

 At 4:55PM today, the HOA office emailed "information" about Amendment No. 10,  Capital Contribution Assessment. That email was sent out on behalf of The Summit Community Board of Directors. The Directors are Brenda Bryant, Noel Weatherbee, Angelo Turley-Moore, Linda Potter, Jeff Lummel, Tanisha Holmes, and William Hill. Notably, the attachment was titled, " Why Vote YES on Amendment 10? " (Bold and capitalized YES were in the original.) Think: why is this Amendment so important to the Board? Because The Summit's HOA is running out of money. Over the past few years several boards of directors have collected money and budgeted for Reserves. They silently reduced the Reserve Contribuition and spent your money on operations. I have covered that in other articles here. In 2020 the Contribution to Reserves was budgeted at $163,965. In 2024  the Contribution to Reserves was budgeted at $0.00. Did your Annual Assessment ($510/year) go down? No! In 2025  the Contributio...

Where Did the Cash Go?

Where did $784,041.41 go in four years? When the 12/31/2025 Financial Operating Results were finally posted this week, it was possible to calculate the shrinkage in Total Assets over a four-year period. The year-end Total Assets are shown below for five years (2021-2025). The amount in parentheses is the reduction in Total Assets in that one year. $1,872,391.80 - 12/31/2021 $1,837,205.30 - 12/31/2022 (-$35,186.50) $1,596,952.66 - 12/31/2023 (-$240,252.64) $1,535,754.14 - 12/31/2024 (-$61,198.52) $1,087,350.39 - 12/31/2025 (-$448,403.75) $35.186.50+$240,252.64+$61,198.52+$448,403.75= $785,041.41 In four years the Total Assets shrank $785,041.41. Note that they shrank $448,403.75 in just one year, from 12/31/2024 to 12/31/25. The Board must explain this to the Members. The Board had three treasurers in 2025. LaToya Adams (1/1/25 to mid-May), (no Treasurer from mid-May to 7/1/25), William Hill (7/1/25-12/1/25), Linda Potter (12/1/25-12/31/25). Danny Trapp was Board President from 1/1/25-...

BOD Meeting: Tues., July 7, 2026

The next scheduled, Regular monthly Board of Directors meeting will be Tuesday, July 7, 2026. Be ready with your questions. Only four months remain under the next election of directors. After the July meeting, there will be only one meeting (September) before the Annual Meeting of Voting Members. The Board should return to monthly board meetings! There should be 28 legitimate, duly-elected Voting Members. Ask how many there are on July 7th and for which neighborhoods. If there aren't 15 by November, the HOA will again be unable to conduct a bonafide election.  And there will have to be more than 15 legitimate, duly-elected Voting Members, if the Voting Members are to vote on the proposed Amendments to the CC&Rs and the By-Laws. There must be enough legitimate Voting Members to represent 75% of the 2,480 Members. This means the HOA must know how many properties are in each neighborhood. In June 2024 the office told me that there were 2,515 homes, which was 115 (4.6%) more homes...

What is the HOA's New Collection Policy?

At the May 5, 2026 monthly Board Meeting, there was a very brief mention of a new Collection Policy of the Association. No details were provided, and none has been distributed to Members. Where can Members read the new Collection Policy? The Board had stopped publishing monthly Financial Operating Results, so it was impossible to know how much the Accounts Receivable (unpaid Assessments and unpaid fines and fees) totaled. Until this week the last Results published were for August 2025. The May 2026 monthly Financial Operating Results report that Line 1205, Accounts Receivable, totals $447,622.09. Has an ageing report been delivered to the Board? The Allowance for Bad Debts (Line 1210) totals $274,895.19. Is that total any better than a guess? Should all of that be written off? Has a Bad Debt analysis been conducted to determine the likelihood of collecting any of it? The HOA (Board) has any obligation to Members to collect past-due Assessments, fines, and fees. Why should Members-in-go...

Now Available! Financial Results Through May 2026

Imagine my surprise just now (6/30/26 10:40AM) when I found that the Financial Operating Results (FOR) for September, October, November, December 2025 and January, February, March, April, and May 2026 have been published on the HOA's website! Members should be sure to examine some of these. There will a story told there. You'll miss the story, of course, because the FORs do not include one of the most-valuable columns of a financial report. That column is the Percent-of-Change. Be sure to print the May 2026 FOR or save it as a .pdf  Save the other months' FORs, too. There are questions to be asked: Why is there so little money in "Bank Accounts"? Under Investment Accounts, is all of this Reserves? What is the Actual Net Cash Value of the Annuity? What does "unreconciled" mean? Are the Investment Accounts titled "BOD"? Why aren't these in the name of the HOA? What is the interest rate on the CDs? Why is Accounts Receivable (Line 1205) stil...

Kiss June Good-bye - - - No Summit Scoop

The Board of Directors missed a real opportunity to explain the proposed amendments to the CC&Rs and the By-Laws to Members of the Association. They could have used the June Summit Scoop to explain the changes that they would like to see made. However, I wonder whether they would have pointed out that a number of the proposed changes are NOT in the best interest of the Members, starting with the very first amendment. Not enough information is provided to Members. Do you want The Summit to look like a trailer park? Increasing storage shed size to 16x16x12 feet and allowing plastic or resin siding and metal roofing could cause housing values to plummet. Imagine such a monstrosity in the yard next door. Allowing vinyl fencing and fence heights of 8 feet is another disaster in the making. And paving over a front yard to increase driveway width to three cars? Crazy! The sleeper in the group is Amendment 10 - Capital Contribution Assessment. Why would you ever allow the Board of Director...

Should Amendments Project Be Halted?

In response to the HOA's email today about Item 1 in the proposed amendments, I have emailed the following Open Letter to the Association's office for the attention of the seven board members. TO: HOA Board Members (Summit Community Association, Inc. (29229)) How is the incompetence associated with this process even possible? Board members, committees, and staff who created this nightmare should be identified to all Members, so that homeowners know exactly who is responsible. You fail to inform Members that a quorum for a VM meeting (51%) cannot amend the CC&Rs or the By-Laws or take many other actions.  You fail to inform Members that they do not vote on amendments to the CC&Rs and By-Laws. Your shed size of 16'x16'x12' is absurd! The Summit will resemble a trailer park, if larger or  plastic/resin sheds are allowed. Property values will plummet. Same with metal roofs, vinyl and 8-foot fences, expanded driveways, artificial turf. The plug should be pulled ...

What is the Board's Job?

The job of the Board of Directors is to govern The Summit's HOA in compliance with the CC&Rs, the By-Laws, and the established Guidelines, such as the Procedures Reference Manual. An important part of that job is to represent and protect the interests of the Members (homeowners) of the Association. Sometimes, it might be necessary to step on someone's toes; e.g., the toes of current or past board  members. If that is necessary to protect the interests of the Members, then the Board must do it. When Association funds have been mishandled, somebody must be held accountable. Money can be moved out of Reserves only for specific, authorized purposes. Too much money has been moved around without the required paper trail (Minutes and Resolutions) for withdrawals and purpose!!! Where did $445,000 go from Reserves between 1/31/25 and 1/31/26? Why haven't Financial Operating Results been posted on the HOA's website since August 2025 ? The HOA spent $25,-$30,000 from December ...

"Official" Proposed Amendments?

On June 19, 2026 the office sent out proposed amendments to the CC&Rs and the By-Laws by email. The email indicated that the proposed amendments were also being sent out by U.S. Mail. Those sent by U.S.Mail have not been delivered to at least one long-time HOA member. Have you received your copy by mail? Did the Board of Directors approve those proposed amendments? Did the Board authorize the office to send out that email over its name? Presumably, it did. Who gave the direction to distribute the proposed amendments? The email doesn't say. When did the Board approve those proposed amendments? On what date? Did they do so on June  2, 2026 at the Regular Monthly Board Meeting, which was held in private ? The June Meeting, if it was held, was in the new cycle of bi-monthly meetings.   No Minutes of that meeting have been distributed. What's the secret? How many Board members were at that meeting? Who voted for approving those proposed amendments? Who voted against? What...

Wrong Advice from BOD and the Office

In its June 19th email to all Members (at least, all who have registered email addresses), the Board and the office gave erroneous advice for the return of the "ballots" on proposed amendments to the CC&Rs and the By-Laws. The Board and the Office direct Members to return the "ballots" to the office. This is WRONG . The Governing Documents instruct that such ballots should be returned to the Voting Members. Why should they go to the Voting Members and not to the office? Because it is the Voting Member who votes on amendments to the CC&Rs and the By-Laws, not the Members. Another and more important reason is that the Governing Documents say that is where they should go. The authors of the Governing Documents recognized the power of their words. Were they worried about how a management office or a Board might handle such "ballots"?  The ballots should not go through the office on the way to the Voting Members. The office cannot even publish The Summi...

Critique - Proposed Amendment 1

The Summit's HOA Board of Directors is proposing changes to some of the CC&Rs and the By-Laws. I've been reading and studying the Governing Documents for more than six years. I know them better than most of the Board Members. Amendment 1 -  Voting Structure.  The Board is offering a suggestion to trash the current "Voting Member" structure and replace it with a structure that would allow the Members (2,480 homeowners) to amend the Governing  Documents and to elect Directors. This is a terrible idea.  First, the processes for amending the Governing  Documents and for electing directors are different in major ways. Allowing homeowners to do either would result in ignorant (know the definition) and uninformed voters to make important decisions. Not that Voting Members are necessarily not ignorant or informed. Some of them are neither.  Most of the homeowners wouldn't even bother to vote, so who would make the decisions? The current method is just fine. The...

Dues Notice Correction

Which Board Member is responsible for the error in the letter sent out by the HOA with the July 1st dues notice? It's bad enough that the management company made  the error. That never should have happened. But certainly a Board Member should have been responsible for proof-reading the letter/email before it was sent out. The important  part of the email from the office was: Please see the following regarding online payment. The information on your statement is correct, but the cover letter has an incorrect Association ID If you choose to pay through the Association’s bank, Western Alliance Bank, you may use the link below. There is currently no fee for payments made by eCheck; however, there is a fee for debit and credit card payments. https://pay.westernalliancebank.com/home?cmcid=C830BF00 Management Company ID: 7529 Association ID: 174 I recommend that you pay your dues in person at the office. Be sure to get a receipt. Get your Pool fob and HOA ID Card updated.  If yo...

March, May Minutes? June Scoop?

Does The Summit's HOA still have a management  company? The March 2026 Board Minutes have not been posted online. The May 2026 Board Minutes have not been posted online. The June Summit Scoop hasn't been published. No Financial Operating Results have been posted for September, October, November or December 2025 OR for January, February, March, April or May 2026! What doesn't the management company (Town & Country) post these documents? Or the Board of Directors the problem?

Next Board Meeting - July 7, 2026

The next monthly Board Meeting should be packed with homeowners (Members) who are concerned about last week's email from "SummitHelpDesk" about proposed  Amendments to the CC&Rs and the By-Laws.  Why wasn't the email sent out over the name of the Board President? Who was responsible for creating those proposed amendments? Be sure to print  the attachment with that email. Read it carefully. Study it. Understand it. Underline it. Know what it really means! Take your questions to the July 7th Board Meeting and ASK THEM. Don't just sit there and swallow the pablum that is being force-fed to you. Not one of the proposed Amendments deserves serious consideration. Plus, there aren't enough legitimate Voting Members to approve anything ! You don't really get to "vote" on those amendments. While the attachment is framed as a Ballot, it is not. It is merely your opinion, and it carries no weight with your Voting Member or the HOA. It is the Voting Memb...

Proposed Amendments Distributed

You should have received an email from the office today with a series of proposed amendments to the CC&Rs and the By-Laws. Frankly, I'm shocked! Over the past 4-5 years, there has been much talk and many comments. And this is what the Board came up with??? I shall offer specific comments in following blogposts. I suggest that you print the four pages and read them very carefully.  In order to cast an intelligent vote, you need context and much more information. You don't get it in what was sent out today. I have been going to Board Meetings and reading the CC&Rs and the By-Laws for seven years.  Please read my following posts and share them widely throughout The Summit. You can forward this post and others by clicking on the SHARE icon at  the top-right or lower-left of every post. Fill in the email address of the person(s) you'd like to receive the post. FYI, I get no record of who forwards posts or who receives them. I never see an email address or name.

For the Betterment of the Association

Are all seven Board Members working for the betterment of the Association and the community? If you were a fly on the wall during pre-board and some committee meetings, what would you observe? Is there respectful communication? Is there cooperation (which doesn't have to mean 100% agreement)? Do some board members dislike others? Are there passive-aggressive actions? You know, those fake smiles and head nods, and then back-stabbing? Have any consultants been called in for team-building exercises? "We can't afford that." Well, you cannot afford NOT to do that. Are efforts to solve problems successful? Are there any "bad apples" on the Board? If there are, then the Voting Members should take action and remove those bad apples. It is essential for enough neighborhoods to elect Voting Members in compliance with the By-Laws, so that there can be a legitimate election of directors in November.  The four unrepresented neighborhoods (Autumn Run (80), Indigo Springs ...

HOA Finance Committee - not a Secret Society

 The HOA's Finance Committee met last night (June 16, 2026). You wouldn't know it, though. The HOA's online calendar is completely blank, and the Summit Scoop with the June calendar has not yet been published. The Finance Committee should immediately distribute the Minutes of its June 16, 2026 meeting by email to all Members (homeowners).It won't; but it should. You have the right to inspect the Minutes of that Meeting. Make your request to the office in writing; send it to summithelpdesk@tcgrd.com Because of the importance of the Finance Committee to the fiscal solvency of the HOA, should meetings be streamed, so that Members could know what is going on? Likewise, should HOA Board Meetings be streamed? Then hundreds of Members could know what it going on, not just the 30-40 who show up at Board meetings. Meetings should be recorded and archived, which would allow Members (and residents) to watch them when it is convenient for them .

2025 Annual Audit - Has It Started Yet?

Every year The Summit's HOA is required to conduct an audit of the previous year's finances. That's why it is called an Annual Audit.      The Annual Audit is to be completed and delivered to the Board by August 31 (PRM, Art. III, §C, ¶2c). It should be posted on the HOA's website. One of the reasons for the August 31st deadline is to have it available to the Budget sub-committee for development of the following year's Proposed Budget. The process fell apart in 2025. The 2024 Annual Audit wasn't even ordered until October 2025; the Board President was Danny Trapp,  and the Board Treasurer was William Hill. It wasn't delivered to the Board until about February 4, 2026 . The 2025 Annual Audit should be underway by now. The auditor should have been selected earlier this year (preferably, in February or March).  The Procedures Reference Manual (PRM) does not spell out how the auditor is selected; it should. The PRM doesn't say by what date the auditor shoul...

Board Member Email Addresses (6; not 7)

If you wish to email one or more directors of The Summit's HOA, you will find email addresses on the HOA's website. Until recently, email addresses were posted for all seven directors.  Go to https://summithomeowners.com   Click on BOARD MEMBERS. Hover over the underlined name of a director. The email address will pop up in the lower-left corner of your screen. Tanisha Holmes' name is no longer underlined. Why isn't her email address shown? Who determines whether a director's email address is published? Isn't that a Board decision? Are all of the other six directors willing to receive email communications from residents of The Summit? What happens when a resident emails a director (board member)? Does the director read that email? Does the director reply? The HOA office suggests that emails be sent to the office at summithelpdesk@tcgrd.com   What happens to emails sent to that address? Are they read? Does some unnamed Town & Country employee reply? Are they...

Was the 2026 Budget Ever Approved?

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Click to Enlarge   Here is the top portion of the 2026 budget, as posted on the HOA's website. Want to see it for yourself? Go to https://summithomeowners.com   Hover over RESIDENTS. Click on  DOCUMENTS. Click on Annual Budgets. Click on 2026. The first thing you'll notice is the heading above the right column, where it reads Finance Proposed 2026 Budget . The second thing you'll notice is the date on the page of the "Finance Proposed 2026 Budget". That date is June 30, 2025. Had the Finance Committee even started work on the 2026 Budget by June 30th? My guess is that it certainly wasn't done with the budget! Today is June 16, 2026. You would expect to find the "2026 Approved Budget" on the HOA's website. Instead, you see the "2026 Proposed Budget". WHY? There are some possible reasons. 1. Carelessness. No one discerned the importance of publishing the Approved Budget, not the Proposed Budget. 2. Inattention. Didn't anyone (Board Me...

"Why Most HOA Budgets Are Useless"

One of the best HOA newsletters I receive is The Governance Ledger , from Common Interest Advisors, LLC.  The latest edition leads off with, It is supposed to be a financial plan. Yet every year, thousands of condominium and homeowners associations approve budgets that bear little resemblance to what actually happens. Twelve months later, expenses exceed the budget, reserves are underfunded, assessments increase, and owners are told that nobody could have seen it coming. In many cases, somebody should have. The problem is not that boards fail to approve budgets. The problem is that many associations treat budgeting as a compliance exercise rather than a financial management tool. A budget should help directors answer a simple question: Where will we likely end the year, and what should we do about it today? Doesn't this accurately describe how The Summit's HOA operates? Every month the Board approves thousands of dollars in expenses, without informing Members whether those are ...

Do Voting Members Really Care about Homeowners?

A Voting Member is the legal representative of the homeowners in his/her neighborhood. How many (few) of them really care about those homeowners? If they did care, they would be demanding answers from the Board of Directors and informing the homeowners in their neighborhoods of answers to the following questions: Q. Why haven't  Minutes been posted for Board Meetings on March 3, April 7, May 5, and when they will be posted for the June 2 Board Meeting? Q. Why haven't Financial Operating Results been posted for September, October, November, December 2025 and for January, February, March, April, and May 2026? Q. What is a realistic estimate for repairs to the Indigo Lake dam? Is the money available? Q. Why hasn't the Board provided details of the $126,352 Annuity purchased in 2024 as an "investment" of Reserve funds and how a CD got cashed in without a recorded Board vote? Q. Why hasn't the Board revealed how much money was wasted suing Gus Philpott (me) illegal...

Reserves - Anyone Worried Yet?

At the May 2026 Board Meeting it was mentioned that no Reserve Study had ever been done by The Summit's HOA. Keep that in mind as you read the following post, which was copied in part from a Facebook post associated with the HOA Reform Leaders National Group. How smart is going on a long road trip in a gasoline powered vehicle and not knowing the capacity of the fuel tank and not having a fuel gage [ sic ] with a Full display? Taking such a road trip, is like living in an HOA community with a Reserve Study that omits a Full Funding alternative as a benchmark so Percent Funded can be determined. According to reserve experts, if the reserves’ amount is less than seventy percent (70%) of a Fully Funded Balance (FFB), an owners’ association is at risk of a special assessment. A practical owner-friendly guide: 0% to 30% funded : high-risk zone. 30% to 70% funded : moderate-risk zone. 70% to 100% funded : stronger reserve position. 100% funded : at or near Full Funding benchmark At the p...

See the June 2026 HOA Calendar

Check out the June 2026 Calendar on the HOA's website. Today is June 14. Go to www.summithomeowners.com Hover over RESIDENTS Click on CALENDAR Right!  Completely blank. Is anyone else asking, "Why?" By the way, where is the June 2026 Summit Scoop?

What Will Indigo Lake Dam Repair Cost?

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WARNING Landscaping expenditures have basically been paused in The Summit, while the Board waits to find out how much the repairs for the Indigo Lake Dam will cost.  The diagnosis of the full problem and the estimated cost of total repairs has taken months, if not more than a year. Preliminary estimates may be in the range of $100,-$300,000. (You can't see the Reserve totals, because the HOA is no longer publishing monthly Financial Operating Results on its website.) The Board has acknowledged that a complete Reserve Study has never been done. This Board bears the brunt of blame, when the blame belongs across many years to past Boards.  Why haven't Treasurers been waving a big, red flag? Why haven't Finance Committees been kicking up a storm? Read this paragraph from the Procedures Reference Manual, popularly known as the PRM, which has been ignored by Boards for years. One of the Standing Committees of the HOA is (supposed to be) the Asset Evaluation Committee, which is de...

Legitimate Voting Members in the HOA

Rumor has it that there may now be 7-8 neighborhoods with legitimate, duly-elected Voting Members. Why hasn't the HOA announced this? Which neighborhoods now have legitimate, three-member Neighborhood Committees and a legitimate Voting Member? That homeowner (Member) would have been  elected as a Voting Member in the past 12 months by a three-member Neighborhood Committee at a properly-convened Neighborhood Meeting with a quorum present in-person or by proxy. Here's the list as I know it: 1.  Barony Place 2. 3. 4. 5. 6. 7. 8. 

Message to Voting Members

On May 23rd I sent this email to the Voting Members (the one legitimate VM and the other "recognized" VMs): Does it seem strange to you that the Board of Directors is finally waking up to what I have been claiming for years? They know what you don't - that The Summit's HOA is in a very precarious financial state. Reserves are insufficient to meet future needs. The Indigo Dam repairs could result in a large Special Assessment. The Board cannot seek a large Assessment because there is only one legitimate, duly-elected Voting Member; she represents 3% (78/2480) of the HOA. If you were not elected as a Voting Member in the past 12 months by a three-member Neighborhood Committee at a properly-convened Neighborhood Meeting with a quorum present in-person or by proxy, then you are not a legitimate, duly-elected Voting Member. Sorry. No matter how good a job you are doing as a "recognized" Voting Member. There is only one way to become a Voting Member. It's rig...

Myrtle Pool Closed - Re-opens Sat. 10:-00AM

The HOA office announced this morning that the Myrtle Pool is closed, due to finding "human feces" in it. The pool is being cleaned and treated with chemicals, and it will re-open tomorrow at 10:00AM. OK, how do they know it was "human feces"?  Will it be tested? Whose DNA will be found? Will RCSD investigate? Will the person responsible be identified and prosecuted? What do the pool cameras show? Is the recording good enough to identify the culprit? Once again, no one from the office "signed" the email. 

How Bad are the Finances of the HOA?

When a South Carolina non-profit corporation stops publishing its monthly Financial Operating Results, could there be a dark reason for its decision? The last time that The Summit's HOA published its monthly Financial Operating Results online was for the month of August 2025. Danny Trapp was Board President then. William Hill was Board Treasurer then. The HOA elected four directors on November 18, 2025, and that resulted in a power shift on the Board. On December 1st the HOA elected a new leadership team of officers. Brenda Bryant was elected Board President. Linda Potter was elected Board Treasurer. The HOA has not published Financial Operating Results online for September 2025 October 2025 November 2025 December  2025 January 2026 February 2026 March 2026 April 2026 May 2026 Apparently, I am the only community member who is complaining about the HOA's failure to do so. Town & Country Management Company took over HOA books on October 1, 2025. It is responsible for publish...