AARON CLAREY: Viewing Cities as HOAs. “No matter how big a city is, when you decide to purchase property within those city limits you are consciously or not joining a ‘club’ or an ‘association’ the members of which consist of the entire city’s population. This population, like a HOA out in the burbs, will determine the quality of life you have, not to mention the ultimate financial cost associated with owning a home in that municipality. If the people are high quality people, you can expect quality services, a quality standard of living and low HOA’s fees. But if it’s the typical vermin that populate our major metros you can expect to pay through the nose for bad roads, crime, people bigoted against conservatives/libertarians, and a perpetuity financial liability that forever will increase, rendering your home worthless. The choice is yours.”