One of the most important things that I've learned while working with HELOCs is that if you don't pay your HOA, they put a lien on your property and it doesn't matter if you own it or not.
I just saw a post that said I'm a bad dog owner if my dog is overweight.. for one MY DOG IS ON A DIET. And he didn't gain weight like that until I got him fixed. So keep ya judgments over there. My dog is fine and taking care of ๐