Actually, the HOA is the business. She is an investor in that small business. She gets to vote on who runs the HOA, be it a managing company or the homeowners themselves. It is a non profit, but they have a balance sheet that shows how much they have in the bank and they will run under budget or it won't be long for the world. As far as the golf course, she's just purchasing services from another company because I guarantee the HOA isn't running the course. So, she's not a job creator, the HOA, through dealings with other companies helps foster an environment conducive to job growth.