Most of us have been there. When you move in to a new place, you call the local garbage company, the ISP and maybe a pest control company. If you're fortunate enough and/or in the right geographical area, a lawn care and snow removal company. Once you setup service and learn of the overpriced fees associated with their services, you sign on the dotted line in hopes of never thinking about it again. For some of us, we live in developments that have a home owners association (HOA). And HOA fees often cover the costs of those services. But, more often than not, your association fee covers things that may not pertain to you. One example is the upkeep of the common area or park of the neighborhood. Whether or not an HOA exists or not, what if neighbors want to "go in" on something? Or, because there are enough households involved, maybe neighbors want to get a bulk, discounted rate on those services. Why couldn't there be a way for neighbors to do just that? A communication and money management tool. One that can dictate the cost of bulk services, or allow individuals to opt-in and out of fees that aren't applicable to them. Moreover, an account that could manage financials in order to support emergency situations or critical neighborhood improvements.