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HOA Pet Restrictions: What's Enforceable and What Isn't
The Hedge | Brutal Honesty Over Hype Since 2008 Pet restrictions are among the most contested HOA rules in California — and among the most frequently challenged as unenforceable. Whether a particular pet restriction is enforceable depends on where it appears (CC&Rs vs. rules), when it was adopted, and whether it conflicts with California civil rights law. Understanding the enforceability…
California's Paid Sick Leave Law: What Employers Get Wrong and What It Costs
The Hedge | Brutal Honesty Over Hype Since 2008 California’s Healthy Workplaces Healthy Families Act requires employers to provide paid sick leave to virtually all employees — and the specific requirements have evolved through multiple legislative amendments since the original 2015 law. Employers who haven’t updated their sick leave policies to reflect the 2024 amendments are out of compliance…
HOA Election Fraud and Member Voting Rights Under California Law
The Hedge | Brutal Honesty Over Hype Since 2008 HOA elections in California are governed by specific Davis-Stirling requirements designed to ensure that member voting is secret, fair, and verifiable. These requirements were enacted specifically because of widespread complaints about election manipulation in HOA communities. Understanding the correct election procedures — and recognizing when…
Daily Market Intelligence Report — Afternoon Edition — Thursday, June 11, 2026
Daily Market Intelligence Report — Afternoon Edition Thursday, June 11, 2026 | Published 1:30 PM PT | Data: Yahoo Finance, Bloomberg, Reuters, CNBC, CME FedWatch ★ Today’s Midday Narrative The morning thesis was built on de-escalation hopes after President Trump signaled an Iran deal was imminent, and that thesis has not just held — it has accelerated dramatically. The S&P 500 is now at…
Phantom Stock and Equity Compensation for California Startups: The Tax and Legal Framework
The Hedge | Brutal Honesty Over Hype Since 2008 Early-stage companies that can’t afford market-rate salaries routinely offer equity compensation — stock options, restricted stock, or phantom stock — to attract and retain key employees. The tax and legal treatment of these instruments is complex, and California adds layers that most founders and employees don’t understand. Here is the framework…
HOA CC&R Amendments: How Associations Change the Rules and How to Fight Bad Ones
The Hedge | Brutal Honesty Over Hype Since 2008 The CC&Rs — Covenants, Conditions, and Restrictions — are the foundational governing document of your HOA community. They run with the land, bind all current and future owners, and establish the basic rules of the community. When the board wants to change them, California law requires member approval through a supermajority vote — a protection that…
How California's CCPA and CPRA Affect Small Businesses in 2026
The Hedge | Brutal Honesty Over Hype Since 2008 California’s consumer privacy law — the California Consumer Privacy Act (CCPA) as amended and expanded by the California Privacy Rights Act (CPRA) — is one of the most comprehensive state privacy laws in the country. Understanding which businesses it applies to, what it requires, and what the enforcement landscape looks like in 2026 is essential for…
HOA Foreclosure: When an Association Can Take Your Home and What Stops Them
The Hedge | Brutal Honesty Over Hype Since 2008 California HOAs have the authority to foreclose on a member’s property for unpaid assessments — a power most homeowners don’t realize exists and that HOA boards sometimes use aggressively. California law has imposed significant restrictions on HOA foreclosure authority since 2012, but those restrictions have limits. Understanding exactly when an HOA…
Daily Market Intelligence Report — Afternoon Edition — Tuesday, June 9, 2026
Daily Market Intelligence Report — Afternoon Edition Tuesday, June 9, 2026 | Published 1:30 PM PT | Data: Yahoo Finance, Bloomberg, Reuters, CNBC, CME FedWatch ★ Today’s Midday Narrative The morning thesis of a mixed but resilient market held in structure but rotated violently under the hood. The S&P 500 closed at 7,386.65 (down -0.26% from yesterday’s close), a meaningful deterioration from…
Why Delaware Corporations Make Sense for Venture-Backed Startups — And Who Shouldn't Use Them
The Hedge | Brutal Honesty Over Hype Since 2008 The “you need a Delaware corporation” advice is so standard in startup culture that most founders accept it without question. Like much standard advice, it’s right for a specific population and wrong for everyone else. Understanding when Delaware makes sense — and when it’s unnecessary overhead — saves founders real money and administrative…
HOA Document Access Rights: What Your Association Must Show You
The Hedge | Brutal Honesty Over Hype Since 2008 California law gives HOA members the right to inspect a wide range of association documents — financial records, meeting minutes, contracts, and governing documents. These rights exist because associations are quasi-governmental entities managing common property with dues collected from members. Boards that obstruct document access are violating…
Daily Market Intelligence Report — Afternoon Edition — Monday, June 8, 2026
Daily Market Intelligence Report — Afternoon Edition Monday, June 8, 2026 | Published 1:30 PM PT | Data: Yahoo Finance, Bloomberg, Reuters, CNBC, CME FedWatch ★ Today’s Midday Narrative The S&P 500 sits at 7,405.73 — recovering off its intraday lows of 7,395 and rebounding sharply from Friday’s steep sell-off. The catalyst is unmistakably Intel: shares surged 11.1% today on news that…
California's Minimum Wage Trajectory: Planning for 2026 and Beyond
The Hedge | Brutal Honesty Over Hype Since 2008 California’s minimum wage has been on a steady upward trajectory for a decade. The statewide minimum reached $16/hour in January 2024, with specific industry floors higher — fast food workers have a $20/hour minimum under AB 1228. Understanding where minimum wage is heading in California, and how to plan for it, is essential financial management for…
HOA Meeting Rights: What California Law Requires You to Be Told
The Hedge | Brutal Honesty Over Hype Since 2008 HOA board meetings are where the decisions that affect your property and your monthly costs are made. California law gives members specific rights to notice, access, and participation in those meetings — rights that many boards fail to honor and that many homeowners don’t know they have. Understanding your meeting rights is the foundation of…
How California's Employment Development Department Can Destroy a Small Business
The Hedge | Brutal Honesty Over Hype Since 2008 The California Employment Development Department administers unemployment insurance, state disability insurance, paid family leave, and employer payroll tax collection. It is also one of the most aggressive state agencies in California’s regulatory landscape, with audit authority that reaches back three years and assessment powers that can produce…
HOA Reserve Funds: What They Are, What's Required, and When Underfunding Creates Risk
The Hedge | Brutal Honesty Over Hype Since 2008 Every California HOA is required to maintain a reserve fund — a dedicated pool of money for future major repair and replacement of common area components. Reserve fund adequacy is one of the most important factors in evaluating any HOA community as a place to buy, and for current owners, understanding your association’s reserve status is essential…
California LLC vs. S-Corp: Which Structure Actually Wins for Small Business Owners
The Hedge | Brutal Honesty Over Hype Since 2008 The LLC vs. S-corporation question is one of the most frequently asked and most frequently over-simplified questions in small business formation. The honest answer depends on specific revenue levels, owner compensation structures, and state tax exposure — and the California-specific analysis produces different conclusions than the federal analysis…