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Photo by Miami-Dade Fire Rescue Department Sunday, August 11, 2024 - Ormond Beach, FL - Retired school teacher and administrator Janet

Budgeting for a homeowner association (HOA) typically involves two elements: 1) Annual operating expenses; 2) Intermittent or non-annual replacement reserve

Photo by Miami-Dade Fire Rescue Department Sunday, August 11, 2024 - Ormond Beach, FL - Retired school teacher and administrator Janet