An association is the sum of its members. While the board of directors is charged with upholding specific responsibilities, the fate of the association ultimately lies in the hands of the owners.  In order to operate at its best, an HOA needs funding, and most of that money comes from owners. These community members also must agree to create or amend rules, and in some cases, approve special assessments. Many critical actions cannot be taken by the board without member approval.     Read the article……………………………………..