Okoniq Journal
Property tips, taxes & HOA guides
Plain-language guides for homeowners, landlords, and HOA boards — written to help you stay organized and keep more of your money at tax time.
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Getting Started
New to managing property? Start here.
Taxes & Accounting
Deductions, basis, Schedule E, and staying audit-ready.
Renting & Tenants
Leases, rent, screening, and tenant relationships.
Maintenance & Repairs
Upkeep, vendors, and keeping a home in shape.
Mortgage & Money
Financing, refinancing, insurance, and cash flow.
Buying & Selling
Valuation, prepping to sell, and the closing process.
HOA & Community
Boards, reserves, meetings, and living in an HOA.
Latest articles
Grease Fire vs Electrical Fire: How to Respond to Each (Fast)
Water on a grease fire can throw flaming oil up to 6 feet, so knowing which extinguisher and response to use in the first 10 seconds matters more than the fire itself.
Gravel vs Paved Driveways: Pros, Cons, and Upkeep Costs
A gravel driveway costs $1-3 per square foot to install versus $4-15 for asphalt or concrete, but gravel needs regrading every 1-2 years.
Grace Period for Rent: How Long Should Landlords Wait?
Most states let landlords choose their own rent grace period, but 3 to 5 days is the range that keeps cash flow steady without inviting disputes.
GFCI vs AFCI: What's the Difference and Where Each Goes
GFCI outlets stop electrocution near water while AFCI breakers stop electrical fires from damaged wiring, and the 2023 NEC now requires both in most rooms.
Generator Grounding and Safety: What You Must Know (2024)
A portable generator without proper grounding can electrocute you or fry your home's wiring, and the NEC still requires bonding on most units sold today.
Gate Valve vs Ball Valve: Which Shutoff Should You Install?
A ball valve shuts water off in a quarter turn and rarely fails, while a gate valve needs multiple turns and often seizes after 15-20 years.
Gas vs Electric Water Heater: Which Is Cheaper to Run in 2025?
A gas water heater typically costs $250-$350 a year to run, versus $500-$600 for standard electric — but a heat pump model can beat both.
Gas vs Electric Range: Which Is Cheaper to Own?
Electric ranges cost $30-$45 a year to run versus $15-$25 for gas, but gas ranges need yearly gas-line checks that add to lifetime cost.
Gas vs Electric Dryer: Which Costs Less to Run in 2024?
A gas dryer costs roughly $0.15-$0.25 per load to run, while an electric dryer runs $0.45-$0.61 per load at 2024 utility rates.
Furnace vs Heat Pump: Which Heating System Wins in 2025?
A cold-climate heat pump now heats efficiently down to -13°F, but a gas furnace still beats it on upfront cost in most US markets today.
Full, Baseline & Threshold Reserve Funding Explained (2024)
Three reserve funding methods — full, baseline, and threshold — decide whether your HOA hits a special assessment or coasts through a roof replacement.
Front-Load Washer Mold: Why It Happens and How to Stop It
Front-load washers trap water in the rubber gasket and drum after every cycle, and that standing moisture is what breeds mold within days.
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