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Home-Buying Checklist: 20 Things to Consider Beyond the Inspection | Scottsdale Real Estate

Posted by on April 9, 2015 with 0 Comments
Home-Buying Checklist: 20 Things to Consider Beyond the Inspection

Home-Buying Checklist: 20 Things to Consider Beyond the Inspection | Scottsdale Real Estate

Home-Buying Checklist: 20 Things to Consider Beyond the Inspection | Scottsdale Real Estate

If you are in the market for a house, you’ll likely want to make sure you have a roof that won’t leak, a solid foundation, proper wiring and so on. But what about the things not covered by the inspection? Sometimes it’s these less obvious factors that end up making the biggest impact on your day-to-day experience of a house — things like the quality of light, flow from room to room and the amount of time it takes to shovel the driveway. Here are 20 things to look for — and happy house hunting!

1. Indoor-outdoor flow. The ease with which you can move from indoor to outdoor living areas and back again can make a huge difference in your day-to-day experience of living in a home. If this is important to you, look for French, sliding or accordion or “lanai” glass doors leading from the main living spaces to the outdoors.

2. Size of rooms. Not too big, not too small. Channel your inner Goldilocks to nail the just-right room size for your lifestyle. Imagine setting up your own furniture in the rooms as you walk through — bring measurements if you can.

3. Interior layout. Like indoor-outdoor flow, the interior layout, or floor plan, can have a big effect on your daily life. Walk through the rooms, imagining your typical day. Are there sharp corners and narrow passages to navigate, or is there an easy, natural flow from one room to the next?

4. Lot grade. The steepness of a lot is in some ways even more important than its size. After all, what good is an acre if it’s too steep to walk on?  Think about not just what you want today but what you might want in the future. If down the road you were to decide you wanted to add a deck, an extra room or a backyard studio, would that be possible on your lot?

5. Window size and placement. You can of course can add and modify windows, but it’s not the cheapest change to make to a house. Ideally, look for a home with ample, well-placed windows.

6. Amount of natural light. This is a big one, yet it’s surprisingly easy to overlook when attending open houses. Once you have a few homes on your list that are strong contenders, make appointments to give them a second look at a different time of day. This will give you a fuller picture of what the light is like in the home.

7. Regional weather considerations. Live somewhere with cold winters? You may want to put an attached garage, covered entrances and an easy-to-shovel driveway on your checklist. Those in warm climates may want to focus on shaded walkways and cooling trees.

8. House orientation on lot. The way a house is positioned on its lot affects how much natural light it gets and can influence heating and cooling bills as well. A south-facing home will maximize natural light — though a north-facing home can be just as bright if the main living space is in the back of the home and there are ample windows all around. In hot climates a north-facing home with deep eaves may be preferable to keep your house cooler.

 9. Driveway length and width. It seems silly to even consider this — until you buy a house and realize your car won’t fit in the ridiculously narrow driveway, or you have to shovel that extra-long driveway after a mega snow storm.

10. Street parking. Though street parking is not usually an issue in the suburbs or rural areas, some towns and cities have strange rules and regulations regarding it.

11. Staircase steepness and length. You may not have the slightest problem with stairs — but this is one of those times it’s helpful to think about the future. If you think you might ever want or need to take in an elderly relative, or you plan to age in place, a long, steep staircase may not be the best feature.

12. Architectural details. Great architectural details, like exposed beams, beautiful molding and mantels, will make everything else you do to your home look even better. Start with good bones.

13. Heating and cooling systems. While not as big an issue in temperate climates, if you live somewhere that gets very hot in summer or cold in winter (or both), good heating and cooling systems will make life much more pleasant. And because putting in central air conditioning or heating can cost a fair amount and the work is disruptive, finding a home where it’s already in place will save money and hassle.

14. Laundry room location. Is the laundry in a convenient spot, or is it hidden away in a dingy corner of the basement? Since this is a chore that usually needs to be done frequently, having a laundry near a main living area can make life easier.

15. Kitchen features. Ask whoever does most of the cooking in your household to make a wish list for the kitchen. Does he or she prefer to work on a gas stove? If so, be sure to check for one, and failing that, ask if the house is connected to a gas line so that you can add your own gas stove. Other things to consider in the kitchen could include its shape or layout, natural light, number of sinks, storage area and overall size.

16Number of bathrooms. Adding a bathroom is expensive, so choose a home with enough baths to meet your family’s needs. Even if you are a household of only one or two people, an extra powder room on the main floor can be a big boon.

17. Ceiling height. Some basement and attic rooms have less than adequate ceiling heights. If someone in your household is tall, bring them along to the house to make sure the fit in all the rooms is comfortable.

18. Zoning and town ordinances for animals. Have a notion that you may one day want backyard chickens or another unconventional pet? Check local ordinances before committing to a house, or you may never get the pets you have your heart set on.

19. Closeness of neighbors. Though the general area (city versus suburb) has much to do with how close your neighbors are, there can still be a big difference between how private one house feels over another. If privacy is important to you, be sure to check the views from every window and walk the perimeter of the property to get an idea of how close you will be to your next-door neighbors.

20. The neighborhood. This may be where you started your search, but have you really considered all aspects of your potential new neighborhood? School districts are of course important for families with kids, and proximity to work and family closely follows on many folks’ wish lists. But you may also want to look into how walkable (or bike friendly) your neighborhood is, what community amenities (libraries, parks) are nearby and what public transportation is available.

Brought to you by the Luxury Valley Homes Team at 480-595-6412 | Scottsdale Real Estate

Pebble Beach Golf Beach Front Property $37.5 Million

Posted by on March 4, 2015 with 0 Comments

Pebble Beach Golf Beach Front Property $37.5 Million

10 Carmel Way, Carmel-by-the-Sea, California, 93921

Pebble Beach Golf Beach Front Property $37.5 Million  is situated on the largest beachfront parcel in Carmel, this extraordinary property with panoramic ocean views is the only one that borders both Carmel Beach and the Pebble Beach Golf Links. This property has five baths, four bedrooms and rests on 2.37 acres with all the amenities you would expect in a luxury property.

Pebble Beach Golf Beach Front Property $37.5 Million

10 Carmel Way, Carmel-by-the-Sea, California, 93921

Offering the ultimate in quality, character, location, views and privacy, this estate and its magnificent stone Chateau are simply unparalleled. The stunning main and guest house are accessed via a quiet lane and are minutes to both the shops and restaurants of Carmel and all of the amenities at The Lodge at Pebble Beach. With gated access opening directly onto the sands of Carmel Beach, this extraordinary property is certain to be treasured for generations by the next fortunate owner.


Pebble Beach Golf Beach Front Property $37.5 Million

Master Suite



Pebble Beach Golf Beach Front Property $37.5 Million

Deck with a Ocean View



Pebble Beach Golf Beach Front Property $37.5 Million

Access to Beach Area

33120 N 72nd Way, Scottsdale, AZ 85266 – Scottsdale Real Estate

Posted by on March 3, 2015 with 0 Comments

33120 N 72nd Way, Scottsdale, AZ 85266 – Scottsdale Real Estate

33120 N 72nd Way Scottsdale AZ 85266

Front View

33120 N 72nd Way, Scottsdale, AZ 85266 is a Townhome located at 33120 North 72nd Way, Scottsdale AZ, 85266. 33120 N 72nd Way has 3 baths and approximately 2,128 square feet. The property was built in 2000 has 7 rooms that was updated by a decorator, and it has a 2 car garage . 33120 N 72nd Way is in the 85266 ZIP code in Scottsdale, AZ. The average list price for ZIPcode 85266 is $1,117,478.

33120 N 72nd Way Scottsdale AZ 85266


Professionally decorated Evening Star villa located in gated community of Winfield in north Scottsdale. Private cul-de-sac location with backyard backing to Natural Area Open Space, views of Black Mountain, a lovely water feature and BBQ grill for year round outdoor enjoyment! Interior of home is tastefully designed featuring a great room concept wired for surround-sound and has a gas fireplace. There is a separate dining room, eat-in kitchen with breakfast bar. Elegant master bedroom suite with professionally organized closet, master bathroom recently remodeled with finest finishes and a private, accessible shower, new counter tops and tile flooring. Guest bedroom is adjacent to secondary bathroom and office/den is beautifully furnished with built in bookcases and desk.

33120 N 72nd Way, Scottsdale, AZ 85266 – Video

View the Tour

The  community of Winfield offers hiking trails, a heated community pool and spa, clubhouse with Standing Rock Café , fitness center, men’s and women’s locker rooms, meeting rooms, 8 Lighted tennis courts and social and tennis programs for all interests! Close to restaurants and shopping. It is all here for luxury living!

Winfield Community

Winfield is a guard gated community with a 13,500 square foot community center plus an activity center.

Winfield Communities Amenities include:

Olympic size beach entry pool
Fitness Center
Aerobics room
Social programs
Steam rooms
Men & Women’s locker rooms
Standing Rock Cafe
Eight lighted Tennis Courts w/2 clay courts
Tennis pro
Fitness Instructor
Meeting rooms
Media and billiard room
Ping Pong
Patio w/fireplaces and BBQ’s
Eight miles of hiking trails
and more.

Want To See Your Credit Score For Free? Look Here

Posted by on February 25, 2015 with 0 Comments

Want to see your credit score for Free? Look here – A growing number of credit card issuers are betting you’ll open an account if they offer to show you your credit score. Consumers can always buy a copy of their FICO credit score. It costs about $60 to purchase your FICO credit score and a copy of your full credit report from the three credit bureaus.

Want to see your credit score for Free? Look here

Want to see your credit score for Free? Look here

Free Credit Reports

You can get a free copy of your credit report from each of the three bureaus once a year. To order, visit Type carefully. Impostor sites set up on similar sounding and misspelled versions of that website. You can instead call (877) 322-8228 (877) 322-8228 FREE, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

A credit score is a number that sums up all the information in your credit histories. It isn’t included in the once-a-year free copy of your credit report that you can order from the bureaus.

Where To Get Free Credit Score

Several credit card issuers, including Discover, Barclaycard US and First Bankcard, now include free access to your credit score. Several more lenders say they will do the same:

  • Bank of America (credit card customers)
  • USAA (credit card customers)
  • JPMorgan Chase (Slate credit card)
  • Citigroup
  • Ally Financial (auto-loan customers)

Some of those lenders will restrict who gets the free score. Ally, for example, will only share a free credit score with its online customers and those who use its apps.

You don’t have to open a new credit card account to see your credit score., and will give you a credit score (without making you pay for credit monitoring services as some other sites do). CreditKarma offers Equifax credit scores and reports from two of the three bureaus.

The score you get on those sites can be different from your FICO score and from the credit scores used by mortgage companies, auto dealers and other types of lenders.

Need help boosting your credit score so you can buy a home or refinance your current mortgage at the best possible rate? Contact me and I’ll refer you to an excellent loan officer who can help.

World War II Battle of the Bulge Leon Kent Dies 99

Posted by on February 20, 2015 with 0 Comments

Leon Kent, Who Stopped Line of Tanks at Battle of the Bulge, Dies at 99

World War II Battle of the Bulge Leon Kent Dies 99World War II Battle of the Bulge Leon Kent Dies 99. In the first desperate hours of the Battle of the Bulge in December 1944, a young Army lieutenant was given an order that seemed impossible: stop a fast-moving column of German tanks from advancing.

“Anti-aircraft gunners, who stayed behind when the infantry withdrew, played a vital role in preventing a major German breakthrough in Belgium. … One battery, commanded by Lt. Leon Kent of Los Angeles, knocked out five tanks, including one King Tiger tank, in two hours.”

Our WWII veterans are dying at a rate of more than 600 a day.

Leon Kent was one such WWII veteran.

The three soldiers received Silver Stars for bravery. Kent, who stayed beside his men during the fight, was meritoriously promoted to captain. He was supposed to receive a Silver Star, but the paperwork was lost. In 1998, at the nudging of a congressman, the oversight was corrected and the award bestowed.

Kent, who returned to a career as a lawyer and bowling alley owner after the war, died Feb. 12 in Beverly Hills, his home for several decades. He was 99 and had pneumonia, his family said.

He always downplayed any sense that he had acted bravely during that attack. But he never dismissed the danger that his soldiers faced from German tanks.

Leon Kent, Who Stopped Line of Tanks at Battle of Bulge, Dies at 99 |

Battle of Bulge Leon Kent Dies at 99

Battle of the Bulge WWII

"If they got one shot at us, we were dead," he told the Los Angeles Times in 2011. "I remember thinking: Do the shells go through you or do you go up in pieces?" By stopping the German column, Allied troops who had retreated were able to regroup and begin countermeasures.

"What Capt. Kent showed was extraordinary leadership," retired Army Maj. Gen. John Crowe said before a 2011 ceremony at the December 1944 Historical Museum in La Gleize, Belgium. "He wouldn't ask his troops to do anything he wouldn't do himself. That's the kind of leadership that inspires troops." After the war, local residents erected a plaque that, in French, reads:
"Here the invader was stopped."
Leon Earl Kent was born June 23, 1915, in New York. He graduated with honors from Dartmouth College in 1935 and Yale Law School in 1938. He moved to Los Angeles in 1939 to practice law. Kent and his brother Jack opened a bowling alley, Trojan Bowl, near the University of Southern California. It stayed under family ownership until the 1960s. Neither brother was a bowler, but they sensed a good investment. While helping to run the bowling alley and practicing business law, Kent was drafted in 1942. He was assigned to a California-based unit, the 143rd Anti-Aircraft Artillery Gun Battalion.
World War II Battle of Bulge Leon Kent Dies 99

LT Leon Kent WWII

In Paris, he met a young French woman, Simone. They were married, also in Paris, in 1945. Resuming his law practice after the war, Kent was involved in tax cases and entertainment and copyright law. His clients included Clayton Moore, who played the Lone Ranger; Lou Costello of the comedy team Abbott and Costello; and Pilar Wayne, wife of John Wayne. He successfully represented American playwright and screenwriter Emmet Lavery in a copyright case in a court in Paris. Back in Southern California, he became an attorney for the Grandview Building Co. and Budget Rent-a-Car.Leon

In the 1960s, Kent worked with the dean of the UCLA Law School to help admit more minority students. He was chairman of the Lawyers and Civil Rights Committee of the Beverly Hills Bar Association.

In addition to his wife, also known as Monette, Kent is survived by daughter Lynette Kent of Huntington Beach, Calif.; son Paul Richard Kent of Edmonds, Wash.; four grandchildren and two great-grandchildren.

About that day he was given a suicidal-sounding order to stop the enemy, Kent was blunt:

"We stopped them cold."

Article Provided by: Military Times

Chronology: Women’s long history in the Military

Posted by on February 17, 2015 with 0 Comments

Chronology: Women’s long history in the Military

Cpl. Sarah Bryant

Corporal Sarah Bryant was the first female soldier to be killed in Afghanistan.

Women have served in every major war in U.S. history. After proving their utility in combat, opportunities for female troops usually expanded following each conflict.

1775: During the American Revolution, women serve as matrons at Army hospitals, as cooks, laundresses, ammunition carriers and water bearers. Some take up arms, like Deborah Sampson. She disguised herself as a man, fought for three years, was wounded twice and earned a military pension.

1861-65: During the Civil War, women serve as battlefield nurses, civilian spies, and uniformed fighters disguised as men. Mary Walker, a surgeon volunteer with the Union Army, survived several major battles and was held for months as a prisoner of war. She is the only woman in history to have been awarded the Medal of Honor, the highest for valor in combat.

1901: Army establishes its Nurse Corps, making women an official part of the U.S. armed forces.

Women in combat

•Women in ground combat: Can they do it?
•Global comparison of national policies
•Chronology: Women’s long history in the military

1917-18: During World War I, more than 30,000 women enlist in the military. Most are nurses or clerks, but some brave enemy fire in France as telephone operators. Some 400 women died in service, mostly from war-related disease. The rest were discharged from duty after the war.

1941-45: About 400,000 women volunteer to “free a man to fight” during World War II. They serve at home and overseas, starting as nurses and clerks and moving into virtually every non-combat occupation. Some carry weapons in self-defense. Nearly 500 died.

Army Helicopter Pilot

Army Helicopter Pilot

1948: Congress makes women permanent members of the peacetime military, with restrictions capping them to 2 percent of personnel, barring them from the rank of colonel or higher, and keeping them out of combat.

1950-53: During the Korean War, female reservists are involuntarily recalled to active duty for first time. More than 120,000 women serve, many as battlefield nurses. At least 16 die, mostly in plane crashes.

1965-1975: During the Vietnam War more than 265,000 women volunteered for active duty and some 10,000 served in Vietnam, mostly as nurses. Eight died.

1967: During the civil rights movement, Congress passes the Women’s Armed Services Integration Act lifting the 2 percent cap on women personnel and restrictions on rank.

1973: The draft ends and the military tries to recruit more women.

1974: Under threat of lawsuits, Pentagon decides to stop mandatory separation from service of pregnant women.

Sgt. Kendra Coleman and Smokey - US Army

Sgt. Kendra Coleman and Smokey – US Army Wounded in Iraq

1975: The United States Coast Guard Academy becomes first to admit women.

1976: Congress opens other military academies to women.

1978: Women allowed to serve on hospital and transport ships, after restrictions deemed unconstitutional.

1981: U.S. Supreme Court upholds exclusion of women from Selective Service registration and military drafts.

1983: Women deploy for Operation Urgent Fury in Grenada as military police officers manning checkpoints, interrogators, and helicopter pilots.

1988: Pentagon task force establishes a “Risk Rule” to determine where women could serve.

1989: Women engulfed in combat during Panama invasion, including female pilots heavily fired on and military police officers engaged in an infantry-style firefight.

1990-1992: More than 40,000 women serve in Persian Gulf war zone in support units, missile crews and aboard Navy tenders, constituting 7 percent of combat force. Long-range weaponry blurs boundary between front lines and the rear. 13 women killed and two taken prisoner.

1991: Female troops groped by drunken pilots at Tailhook Convention. Backlash coupled with Gulf War service provokes Clinton administration to expand opportunities for military women. Navy puts women in command of a naval station, an aviation squadron and a ship. Congress lifts ban on women serving in combat aviation.

1994: Pentagon rescinds its “risk rule” and permits women to serve on most warships. Women begin graduating from training as fighter pilots and other combat aviation jobs. New ground combat exclusion policy keeps women out of infantry, tanks, artillery and special operations, as well as combat units of battalion size and smaller.

Sgt Theresa Fail World Class Shooter.

Sgt Theresa Fail World Class Shooter.

1994: Lt. Kara Hultgreen, 29, the Navy’s first female aircraft carrier pilot, dies in fatal carrier crash in San Diego after an engine malfunction. She was among Tailhook Convention victims of sexual harassment.

1998: Female aviators fly combat missions for first time, over Iraq no-fly zone.

2000: Two female sailors among 17 Americans killed in bombing of destroyer USS Cole in Yemen.

2002: A female Marine killed in Pakistan plane crash is first military woman to die in Afghanistan war.

2005: Army places women in support units on Iraq front lines, citing manpower shortages. Debate about repealing or strengthening ground combat restrictions ensues.

2008: Army Gen. Ann E. Dunwoody becomes nation’s first four-star female officer.

2011: Congressional commission recommends ending gender restrictions for all military career fields and combat exclusion policies that bar women from some 200,000 positions. Pentagon begins women in service review.

2012: Two separate federal lawsuits by military women seek to overturn Pentagon restrictions on women in combat, calling them unconstitutional, detrimental to the military and outdated given contributions by women during 11 years at war.


Capt. Eleanor G. Alexander and operating nurse died in Vietnam in 1967

2012: Defense Department scraps its “co-location prohibition” on women serving with men in combat zones and announces that 14,000 positions will be opened to women on an experimental basis, including battalion-level support jobs in artillery, tank and combat engineer units. Services directed to develop “gender-neutral standards for physically demanding job related tasks.”

2012: Marine Corps conducts research into women in ground combat by accepting women volunteers into its Infantry Officer Course. As of 2015, none had passed.

2013: Defense Secretary Leon Panetta rescinds ground combat exclusion policy and orders services to open all assignments to women, including infantry, tanks and special operations forces, by Jan. 1, 2016 or justify why an exception should be granted.

2014: Marine Corps creates experimental ground combat task force including women assigned to infantry, armor, tanks, artillery. Army selects 31 women who pass Ranger prep course to serve as observers/advisors at Army Ranger school.

2015: In January, Army decides to allow women to attend Ranger school in the spring.

September 2015: deadline for services to develop and validate gender-neutral standards for all jobs. Decision on whether to ask for exception to bar women from infantry and other direct ground combat jobs expected.

Jan 1, 2016: deadline for full integration of women into all military jobs, other than any granted exceptions.

Military Women’s Virtual Wall

Angels of Bataan

By: Gretel C. Kovach, February 14,2015 – UT San Diego

Luxury Valley Homes | Vicky Mora | Testimonial

Posted by on February 8, 2015 with 0 Comments
Luxury Valley Homes | Vicky Mora | Testimonial

Vicky Mora Testimonial

Luxury Valley Homes | Vicky Mora | Testimonial

To Jane Daley, Luxury Valley Homes:

Luxury Valley Homes Vicky Mora Testimonial – I just wanted to let you know what a great real estate agent Kurt Boyd of Luxury Valley Homes has been for me. From the moment I first called, he made me feel comfortable that moving to the Phoenix area was going to be great.

He understood what a big change this would be for me, but also understood how important it was. 

Kurt always kept me focused looking at the right areas.  Keeping in mind proximity to my wonderful little granddaughter (whom I so greatly missed), as well as my brother and his family.  Kurt always looked out for my safety, happiness, and general fit for any properties we would look into.

There were some opportunities that came up before my actual purchase, which Kurt tried hard on my behalf to obtain, always going outside the nine dots so to speak. 

This leads me to the condo I ended up buying.  Due to me living in California it wasn’t always easy to see firsthand properties myself, so on a few occasions Kurt would have to go see it for me.  So on this last one he went so far as to go video tape, and photograph the condo himself, which relayed just how much he thought this “Was the place for me”.

So, overnight my daughter, and I had to plan a much unexpected road trip to Phoenix the weekend before Christmas.

Kurt made this seamless and expeditious, always looking out for my best interests.  Even when maybe I needed to be reined in (which was quite often – I’m a little impatient unfortunately).

All in all I would definitely refer anyone to seek the services of Kurt Boyd, and the team of  Luxury Valley Homes.  They are the best!

Vicky Mora

Proud new home owner
Phoenix, Arizona


Article: Luxury Valley Homes | Vicky Mora | Testimonial


National Debt|Deficit | Unfunded Liability | Does it Matter?

Posted by on February 2, 2015 with 0 Comments

National Debt|Deficit | Unfunded Liability | Does it Matter?

First question is, who cares? We the people should care because “we the people” are going to have to pay the bill, this includes our children, and their children.

In an attempt to understand our national fiscal position I offer the following:


National Debt|Deficit | Unfunded Liability | Does it Matter?

US National Debt Clock Feb 2015

We hear that our national deficit is going down and we’re in good financial shape, and that’s the answer I hear most when the National Debt is discussed, be it on the news, political discussions, or random discussions with people in general. If the national deficit is decreasing that should affect the national debt. Instead it just keeps rising with startling speed. Check the debt clock yourself and see if it is trending down.

There is a difference between debt and deficit. All the creative financial discussions will not improve our national financial picture. The reasons for this are as follows:


National Debt|Deficit | Unfunded Liability | Does it Matter?

Deficits Updated 01/27/2015

The deficit is the difference between what the U.S. Government takes in from taxes and other revenues, and the amount of money it spends, called expense.

Taking this to a personal level it means our total income minus our total expenses “for the year”. At the end of the year we either have a surplus or a deficit. It we have a deficit we’re going to have to take it from savings or borrow money to cover that expense. In the case of the National Deficit the US Treasury has to borrow money, or raise cash to cover that expense. Current the US Treasury has zero saving/surplus.

In our case the amount of money we might spend on our house, car, education, vacation, that is not funded in the year’s budgeting cycle, and any additional expenses not covered by current year income would roll to your total deficit if not paid for out of savings.

When some politicians and news people talk about our deficit decreasing and advise that we’re in good fiscal shape, it’s usually not mentioned that Bush’s tax cuts were not renewed for “we the people”, so just over a Trillion dollars of additional tax revenue went to decrease the deficit. Another $500 Million came from the Medicare funds to help show a decrease in the deficit prior to the increase expected with the Affordable Health Care Act. When looked at closely we really did not decrease our overall debt – We just decreased some of our deficit by moving money from one financial bucket to another.

Example: The $500 Million tax dollars targeted for Medicare when to the deficit that was then moved to pay for some of the Affordable Healthcare expense. This is important because we’re reaching a point where our revenue is exceeding our expenses.


National Debt|Deficit | Unfunded Liability | Does it Matter?

$123,302,340,645,300,.78 — US Unfunded Liabilities as of Feb 2, 2015

In “addition to our National Debt” we have to add ~$123 Trillion in Unfunded Liabilities, or in easy terms for what that means to us, is that every man, woman, and child in America is on the hook for nearly $400,000 in unfunded liabilities–or, over $1 million for every household.

When this becomes due we can all expect a decrease in our disposable income and our children and their children will be the first generation to be handed the USA in worse shape than when we received it.

In summary, when you hear on the news, or from your favorite politician, about current national fiscal status, listen to see if you can hear all three legs of the national financial stool. 1) Debt, 2) Deficit, and 3) Unfunded Liabilities.

If you’re not hearing a solution that affects all three legs positively it’s probably just more creative financial rhetoric.

Does this article help clarify why “we the people” should care, and the need to take part in monitoring the fiscal responsibility of our political representatives?

Source: for numbers was US Treasury 2014

What Should You Do About It?

Article: National Debt|Deficit | Unfunded Liability | Does it Matter? This is located at the URL that follows:

Scottsdale Real Estate Arizona Testimonial Bob Tarics

Posted by on January 30, 2015 with 0 Comments

Scottsdale Real Estate Arizona Testimonial Bob Tarics

Bob Taric, Esq. Testimonial | Luxury Valley Homes

Scottsdale Real Estate Arizona Testimonial Bob Tarics

DC Ranch Luxury Valley Homes

Bob Tarics, Esq. wrote the following, “I recently made a life changing decision to move to Scottsdale. I did not have any family or friends in the area to assist me. I went online looking for a top real estate agent and found Jane and Jeff Daley. Boy, am I glad I did! From the moment I first spoke to Jane through the closing date on my house, I received A+ service every step of the way.

Jane was kind enough to meet at my hotel and drive me around as I searched for my dream house. We spent two full days walking through possible choices. I was so impressed with her professionalism. She had binders prepared for me with color photographs and literature about each of the 15 houses we looked at. I have super contemporary taste in houses. I looked in Paradise Valley,and North Scottsdale but none of the houses felt right.  I finally found the home that was right for me in the beautiful DC Ranch area. I fell in love with the house the moment I walked in. It was spectacular!

Jane helped me through every step of the purchase including negotiating a great price, securing financing and even buying the furniture that was already there.

I am not an easy client to deal with. I can be very demanding. Moreover, my personal situation was a complicating factor in making the deal go through. Jane stood by me every step of the way. I lived in Texas but we were able too electronically sign all documents, including numerous revisions and addenda to the contract. I had doubts about whether the deal would actually close but Jane was always optimistic and took care of every detail and obstacle that popped up.

My experience with Jane and Jeff was top notch all of the way. If you are looking for a luxury home, please contact Jane and Jeff Daley. You will be happy you did. There are lots’ of real estate agents to choose from but the Daley’s are the best. Buying a house is the biggest purchase most people will make in their lives. Let Jane and Jeff do all of the worrying and help you find your dream house! They are professionals all the way!

Bob Tarics
Formerly of Houston, Texas and now a proud owner of a luxury home in DC Ranch!”

Search for all current Luxury Homes in DC Ranch

Article: Scottsdale Real Estate Arizona Testimonial Bob Tarics

Reported by: Jeff and Jane Daley

Vietnam War Its History Its Statistics Part VI

Posted by on January 8, 2015 with 0 Comments

Vietnam War Its History Its Statistics Part VI

The answer from Part V on the young girl may surprise you.

Vietnam War Its History Its Statistics Part VI

9-year-old Kim Phuc Route 1 near Trang Bang June 8, 1972

Myth: Kim Phuc, the little nine year old Vietnamese girl running naked from the napalm strike near Trang Bang on 8 June 1972, was burned by Americans bombing Trang Bang.

No American had involvement in this incident near Trang Bang that burned Phan Thi Kim Phuc. The planes doing the bombing near the village were VNAF (Vietnam Air Force) and were being flown by Vietnamese pilots in support of South Vietnamese troops on the ground. The Vietnamese pilot who dropped the napalm in error is currently living in the United States. Even the AP photographer, Nick Ut, who took the picture was Vietnamese.

The incident in the photo took place on the second day of a three day battle between the North Vietnamese Army (NVA) who occupied the village of Trang Bang and the ARVN (Army of the Republic of Vietnam) who were trying to force the NVA out of the village. Recent reports in the news media that an American commander ordered the air strike that burned Kim Phuc are incorrect. There were no Americans involved in any capacity. “We (Americans) had nothing to do with controlling VNAF,” according to Lieutenant General (Ret) James F. Hollingsworth, the Commanding General of TRAC at that time. Also, it has been incorrectly reported that two of Kim Phuc’s brothers were killed in this incident. They were Kim’s cousins not her brothers.

Vietnam War Its History Its Statistics Part VI

The Vietnam War was not lost by the US Military.

Myth: The United States lost the war in Vietnam. The American military was not defeated in Vietnam. The American military did not lose a battle of any consequence. From a military standpoint, it was almost an unprecedented performance. (Westmoreland quoting Douglas Pike, a professor at the University of California, Berkley a renowned expert on the Vietnam War)[Westmoreland] This included Tet 68, which was a major military defeat for the VC and NVA.

THE UNITED STATES DID NOT LOSE THE WAR IN VIETNAM, THE SOUTH VIETNAMESE DID after the U.S. Congress cut off funding.  The South Vietnamese ran out of fuel, ammunition and other supplies because lack of support from Congress while the North Vietnamese were very well supplied by China and the Soviet Union.

Facts about the end of the war: The fall of Saigon happened 30 April 1975, two years AFTER the American military left Vietnam.

The last American troops departed in their entirety 29 March 1973.

How could we lose a war we had already stopped fighting? We fought to an agreed stalemate. The peace settlement was signed in Paris on 27 January 1973. It called for release of all U.S. prisoners, withdrawal of U.S. forces, limitation of both sides’ forces inside South Vietnam and a commitment to peaceful reunification. [1996 Information Please Almanac] The 140,000 evacuees in April 1975 during the fall of Saigon consisted almost entirely of civilians and Vietnamese military, NOT American military running for their lives. [1996 Information Please Almanac] There were almost twice as many casualties in Southeast Asia (primarily Cambodia) the first two years after the fall of Saigon in 1975 then there were during the ten years the U.S. was involved in Vietnam. [1996 Information Please Almanac]

Vietnam War Its History Its Statistics Part VI

Vietnam Prisoners of War

POW-MIA Issue (unaccounted-for versus missing in action)

Men like U.S Navy Lt. Mike McGrath who was 27, spent almost six years in North Vietnamese prisons, enduring torture and beatings before he was released in the spring of 1973 with nearly 600 men whose plight united a nation, otherwise bitterly divided by the drawn-out war.

Politics & People, On Vietnam, Clinton Should Follow a Hero’s Advice, contained this quote about Vietnam, there has been “the most extensive accounting in the history of human warfare” of those missing in action. While there are still officially more than 2,200 cases, there now are only 55 incidents of American servicemen who were last seen alive but aren’t accounted for. By contrast, there still are 78,000 unaccounted-for Americans from World War II and 8,100 from the Korean conflict. “The problem is that those who think the Vietnamese haven’t cooperated sufficiently think there is some central repository with answers to all the lingering questions,” notes Gen. John Vessey, the former Chairman of the Joint Chiefs of Staff and the Reagan and Bush administration’s designated representative in MIA negotiations. “In all the years we’ve been working on this we have found that’s not the case.” [The Wall Street Journal]


Capt. Eleanor G. Alexander and operating nurse died in Vietnam in 1967

Women – The Forgotten Soldiers

Between 1962 and 1973, according to the Veteran’s Administration statistics, approximately 11,000 women served on active military duty in Vietnam. Nurses made up approximately ninety percent of the women serving in Vietnam.

One of the servicewomen decorated was First Lieutenant Sharon Ann Lane, who was posthumously awarded the Vietnamese Gallantry Cross and the Bronze Star for Heroism. She died from shrapnel wounds following a 1969 rocket attack on the hospital where she was working. She was only one of many that was placed in harms way. Under horrible conditions our military nurses worked to save our combat warriors. Some of these hospitals were on the front lines of combat. One location was called Cu Chi that served the local Vietnamese and our troops. Cu Chi was overrun by the Viet Cong, and we discovered they had tunnels beneath their base camp.

The Series:

  1. Part 1 – Vietnam War Its History Its Statistics
  2. Part 2 – Vietnam War Its History Its Statistics
  3. Part 3 – Vietnam War Its History Its Statistics
  4. Part 4 – Vietnam War Its History Its Statistics
  5. Part 5 – Vietnam War Its History Its Statistics
  6. Part 6 – Vietnam War Its History Its Statistics Part VI


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