Growing up in New York, I had never even encountered an HOA. Yet after moving to the Midwest, I learned that basically all homes belong to one. It was a club I had to join.  At first, I didn’t think that was a problem. But now I know better.  The two-bedroom condo I bought three years ago in Indianapolis was in my budget, and while the homeowners association fees were an unwelcome added cost, they seemed no worse than anywhere else. The home also had a covered porch and a deck overlooking lovely green space.   Read the article…………………………….