by kramoltz@hotmail.com | Mar 3, 2026 | Animal Stories (mostly Dogs in the Military)
During the siege of the Russian city of Leningrad from September 1941 to January 1944 hunger and starvation was the norm. Rats in the surrounded city swarmed the bakeries and food storage facilities, eating the limited food that was available. In an effort to cure the...
by kramoltz@hotmail.com | Feb 10, 2026 | Home Buying, Home Ownership
Part 1 discussed the necessity of investigating neighborhood horse privileges under CC&Rs. But even if there are no CC&Rs or they are silent, governmental regulations also impact the legally of equine ownership. In Phoenix the Zoning Ordinance restricts the keeping of...
by kramoltz@hotmail.com | Jan 17, 2026 | Mortgages + Lending
A loan rejection is not necessarily final, but it is up to you to do what is necessary to convert the transaction to one that meets underwriting requirements. This series provides three reasons for failure to be approved and their solutions. No. 1. Credit score too...
by kramoltz@hotmail.com | Dec 31, 2025 | Selling Your Home
Reason #2: Appointment Only. As stated by Redfin, “buyers want access to your house when it works for them.” Which means your home needs to be available to buyers as much as possible. So try to avoid putting an obstruction like “By Appointment Only”. Sometimes a...
by kramoltz@hotmail.com | Dec 16, 2025 | Arizona and Its Amenities
A study by the Action Network ranked the best destinations for golfers for 2025. 411 cities were analyzed for course availability, accommodation costs and annual temperature and precipitation. Five Arizona cities finished in the top 5, with Scottsdale slotted no. 1,...
