“Who should be responsible for paying the price of a replacement dock (estimated cost is $23,000)?  Should the dock users be totally responsible (6 of 24 members)?  Should the other members (non dock users, 18 of 24 members) share in the expense?  If so, in what proportion?  Or should all members of the homeowners’ association share equally?”  

Basics: 1) I’m the treasurer of a (24) unit homeowners’ association:  Spirit Cove Homeowners’ Association, Duluth, MN.  We’re situated on the St. Louis River….thus the dock. 2) I’ve been instructed by the Board of Directors to produce a realistic and fair financial plan to replace the dock.  I’m hoping other …