pHIL'S Relocation Guide 2008.pmd by suchenfz


									                                                                                  Please call me! 702-580-9198

         Las Vegas
     R E L O C AT I O N G U I D E

                                                                       I      N        S       I      D        E

                                                                    Welcome to Southern Nevada .. 1
                                                                    Economy, Business Climate,
                                                                    and Quality of Life
                                                                    Brief History of Las Vegas
                                                                    Stress Free Relocation
                                                                    Realtors Pledge and Qualifications
                                                                    Phil Scheinman Resume of Qualifications

                                                                    Southern Nevada at a Glance ... 5
Certified Residential Specialist Professional Quality Service       Climate, Area Profiles, Population Profiles,
                                                                    Cost of Living Comparison, Taxes, Licenses
18 Years of Las Vegas Experience      Stress Free Relocation        and Fees, Recreation and Leisure, Helpful

        Phil Scheinman BA, ABR,GRI,e-PRO                            Contact Information, Vehicles and Transportation,
                                                                    Senior and Community Centers, Schools and
             BROKER * SALES AGENT * REALTOR                         Education, Shopping

4055 SOUTH SPENCER Suite 226, Las Vegas, Nevada 89119               Maps of the City ...................... 14
                                                                    Las Vegas Realtors MLS Area
         Toll Free (800) 690-0509    Fax (702)614-9336              Metropolitan Street Map
                                                                    Area Zip Code Map
  Cellular (702) 580-9198       email: SMOKEY25@COX.NET
                                                                    The Home Buying Process ...... 17
                                                                    Loan Application Process
                                                                    How Much Home Can You Afford?
                   w w w .                 Explanation of Buyer / Seller Costs
                                                                    Glossary of Financial Terms

W                     elcome to Southern Nevada
                                          Nevada offers many advantages as
                                          a corporate haven:
                                                                                 Quality of Life
                                                                                                                             I am Ready to Go to Work For You!

Economy                                        No corporate income tax           Las Vegas offers a relaxed life style.
Las Vegas’ people and resources are
the key to its economic strength. The
                                               No personal income tax
                                               No local earnings tax
                                                                                 Its rich cultural heritage, sunshine and
                                                                                 natural beauty coupled with low cost                                            “I knew I wanted to be
competitive and productive business            No admissions tax
                                                                                 of living offers individuals and
                                                                                 families diverse recreational oppor-
                                                                                                                                                                       on the golf course.
climate is supported by a highly               No inventory tax
skilled and well educated work force.          No unitary tax
                                                                                 tunities. Hoover Dam and the Lake
                                                                                 Mead Recreational Area, the Sierra
                                                                                                                                                                       Phil helped me find
Emerging and established industries
thrive in the centrally located valley.
                                               State Freeport Law for            Nevada Mountains and Lake Tahoe,                                                      my dream home.”
                                               in-transit goods                  the Mount Charleston Recreational
Railways, highways and airways
                                                                                 Area and Red Rock Canyon offer
                                                                                                                                                                                  - Captain John Maseng
                                               Moderate cost of living
create a sophisticated transportation
                                               No capital stock tax              unique outdoor activities including
network providing easy access to
                                                                                 hiking trails, campgrounds, winter
cities across the country as well as           Total privacy of share holders
                                                                                 sports, water sports, rock climbing
growth markets such as Mexico and              One man corporation
                                                                                 and ghost towns.
South America.                                 No franchise tax
                                               Foreign trade zone
Economic development in Nevada
has kept pace with the population
                                               Right-to-work state
                                                                                 Cultural life in the city is flourishing.
                                                                                 Performances by local and national            “I gave my Brother
growth experienced over the last ten
                                               Competitive utility rate          symphonies, operas, dance and
                                                                                 theatre companies can be enjoyed
                                                                                                                                four days to find me
years. Economic activities in Las              Education and training
Vegas continued to thrive even dur-            programs                          throughout the year; permanent                 the perfect
                                                                                 exhibitions of fine works of art and
ing national recessions. Nevada is
consistently ranked among the top         Las Vegas’ rapidly growing labor       Broadway musicals now call Las                 townhome.”
                                          force is characterized by diversity    Vegas home. Sports enthusiasts will
three states in new job development                                                                                                  - Michelle Scheinman
                                          and a broad spectrum of skills,        enjoy world class competition in golf,
in the United States.
                                          talents and abilities. Numerous        rodeo, boxing, bowling and racing.
                                          educational and training programs      Museums and historical societies
                                          operated by both state and private     preserve the rich Nevadan heritage
Business                                  institutions supply business with an   and offer a glimpse into the wild west.
Climate                                   excellent pool of talented
                                                                                 Las Vegas
Nevada hosts one of the most invit-
                                          employees with
                                          expertise in all                                 where dreams come true.                                                     “Working with
ing business climates in America,         fields including                                                                                                               a professional
because of its pro-business attitude      high technology.
and favorable tax structure. In recent                                                                                                                                   like Phil is a
years, Inc. Magazine, Money
Magazine, Microsoft bCentral and                                                                                                                                         real pleasure.”
Cognetics have all rated Nevada                                                                                                                                         - Mark Rohlff
number one for most favorable busi-                                                                                                                                       Lake Las Vegas Realtor
ness climate in the United States.

1            Phil Scheinman 24- Karat Realty        (702) 580-9198                                                                                    Phil Scheinman    24-Karat Realty   (702) 580-9198   22
Master Planned Communities                                                                      A Brief History of Las Vegas
                                    IRON MOUNTAIN                                               Early 1800’s                              1911                                      1959
                                                                                                Spanish explorers discover a resting                                                The Las Vegas Convention Center
                                                          ALIANTE                                                                         Las Vegas officially becomes a city,
                                                                                                spot with natural springs on the trail                                              opens. Population exceeds 120,000.
                                                                                                between Santa Fe and California.          by an act of the Nevada Legislature.
                                                                                                The area is named Las Vegas which                                                   1967
                                                                                                translates to “The Meadows”.              1931                                      Howard Hughes, now a resident of
                                                                                                                                          Construction begins on Hoover Dam         Las Vegas, purchases six hotel resorts
                                                                                                1855                                      which employs 5,128 workers and           and property totaling $300 million.
                                                                                                Brigham Young dispatches a group          Governor Fred Balzer signs a bill
                                                                                                from Salt Lake to establish a fort for    permanently legalizing gaming. These      1973
                                                                                                the protection of the mail and from       events help Nevada fare better than
                                                                                                                                                                                    Clark County population 300,000+.
                                                                                                the Indians. These settlers began min-    most states during the Depression.
                                                                                                                                                                                    MGM (now Bally’s) with 2,100
                                                                                                ing for metal for bullets and the metal                                             rooms opens world’s largest hotel.
                                                                                                is rich silver ore. After a number of     1934
                                                                                                Indian raids the fort was abandoned.      First neon sign placed in Las Vegas.      1977
                                                                                                                                                                                    Gaming revenue tops $1 billion.
                                                                                                1864                                      1935
                                                                                                Nevada is established as the 36th         Hoover Dam is completed and sea-          1989/90
                                                                                                state in the union. Las Vegas, how-       sonal flooding is eliminated.
                                                                                                                                                                                    The Mirage opens with 3, 049 rooms;
                                                                                                ever, is considered part of Arizona.                                                the Excalibur becomes the world’s
                                                                                                                                          1940                                      largest hotel with 4,032 rooms.
                                                                                                1865                                      World War II defense industries in-
                                                                                                Arizona rancher and miner Octavius        cluding what is now Nellis Airforce       1993
                                                                                                Gass begins acquiring land and wa-        base are established. Population in
                                                                                                                                                                                    The MGM Grand opens with 5,005
                                                                                                ter to establish the Las Vegas Ranch.     Clark county grows to over 16,000.
                                                                                                                                                                                    rooms and takes over as the world’s
                                                                                                                                                                                    largest hotel.
                                                                                                1867                                      1941
                                                                                                Las Vegas becomes part of Nevada.         The first Las Vegas resort/casino– El     2000
                                                                                                                                          Rancho, opens on what is now the          Las Vegas holds the record for the
                                                                                                1881                                      world famous Las Vegas strip.             number of hotel/motel rooms in a
                                                                                        RIDGE   Gass is unable to maintain the ranch;                                               single metropolitan area, with an in-
RIDGES                                                                                          it is sold to miner Archibald Stewart.    1946                                      ventory exceeding 120,00 rooms.
                                                                                                                                          Bugsy Siegel opens the third resort
                                 INSPIRADA                                                      1902                                      on the strip, The Flamingo.               2004
                                                                                                Montana Sen. William Clark buys the                                                 The trend towards luxury hi-rise liv-
                                                                                                ranch for development by the Pacific      1955                                      ing is in full swing with 50 building
                                                                                                Union Railroad, which auctions off        The Gaming Board is created to regu-      projects in various stages of planning
                                                    SUN CITY                                                                              late gambling operations and the first
MOUNTAIN’S                                                          McDONALD HIGHLANDS          1,200 residential lots in 1905.                                                     and implementation underway.
  EDGE                                              ANTHEM
                                                                                                                                          high-rise resort, Riviera Hotel, opens.
                                                                                                1909                                                                                2007
                                                                                                Clark County, named after Sen Clark,      1957                                      Clark County’s population exceeds
                                                                                                is formed with a population of 3,321.     UNLV is established.                      1.9 million.

21           Phil Scheinman 24- Karat Realty   (702) 580-9198                                                                                  Phil Scheinman          24-Karat Realty    (702) 580-9198                2
Stress Free Relocation                                                                                                              Glossary of Financing Terms
                                                                                                                                    Amortized Loan                                Mortgage Corporation (FHLMC), a fed-        or a private mortgage insurance (PMI)
                                           When I work for you, I will:                                                             A loan which is paid off in equal install-    erally controlled and operated corpora-     company. This insurance protects the
                                                                                                                                    ments during its term.                        tion to support the secondary mortgage      investor from possible loss in the event
                                           Completely educate you about the practice of Buyer Agency, outlining my                                                                market. It purchases and sells conven-      of a borrower’s default on a loan.
                                                                                                                                    Adjustable Rate Mortgage                      tional home mortgages.
                                           fiduciary responsibilities to you, which include: complete disclosure, loyalty,          A loan that allows the lender to adjust                                                   Mortgagee
                                           confidentiality, obedience and accountability.                                           the borrower’s interest rate and pay-         Fannie Mae                                  The lender of money or the receiver of
                                                                                                                                    ments at prescribed times and some-           Nickname for Federal National Mort-         the mortgage document.
                                           Create a detailed profile of your future home needs, wants, expectations, “must          times with prescribed limits. Lower in-       gage Association (FNMA), a tax pay-
                                           haves,” etc.                                                                             terest rates are customary.                   ing corporation created by Congress to      Mortgagor
                                                                                                                                                                                  support the secondary mortgages in-         The borrower of money or the giver of
                                           Save you time searching the market for an affordable home that meets all of              Appraisal                                     sured by FHA or guaranteed by VA, as        the mortgage document.
                                           your criteria.                                                                           An estimate of real estate value usually      well as conventional home mortgages.
                                                                                                                                    issued to the standards of FHA, VA,                                                       Note
                                                                                                                                    FNMA. Recent comparable sales in the          Graduated Payment Mortgage                  A written promise to pay a certain
                                           Help you explore all your financing options so you can make the best mortgage                                                                                                      amount of money.
                                                                                                                                    neighborhood are the most important           An FHA, VA or Conventional loan where
                                           decision. In addition, if you like, I will refer you to some of the first-class finan-                                                 the borrower pays a portion of the in-
                                                                                                                                    factor in determining value.                                                              Origination Fee
                                           cial contacts I’ve made through my years of experience. In short, I will step                                                          terest due each month during the first
                                           you through the loan process.                                                            Capital Gains Tax                                                                         A fee for work involved in the evalua-
                                                                                                                                                                                  few years of the loan. The payment in-
                                                                                                                                    The taxable profit derived from the sale                                                  tion, preparation and submission of a
                                                                                                                                                                                  creases gradually during the first few
                                                                                                                                                                                                                              proposed mortgage loan.
Realtor Pledge                             Accompany you as you view homes, providing analyses of them. I can refer
                                           you to expert home inspectors to provide more in-depth analysis and advice.
                                                                                                                                    of a capital asset. The capital gain is
                                                                                                                                    the difference between the sale price
                                                                                                                                                                                  years to the amount necessary to fully
                                                                                                                                                                                  amortize the loan during its life.          Point
                                                                                                                                    and basis of the property, after making                                                   One percent of a loan amount.
Perhaps the best summary of the            Negotiate the best possible home price for you, take care of the details of              appropriate adjustments for closing           Impounded Account or Escrow
high ideals which the REALTOR®             documentation and do everything I can to make sure everything is signed, sealed          costs, fixing up expenses, capital im-        The portion of a mortgagor’s monthly        Prepayment Penalty
                                                                                                                                    provements, depreciation, etc.                payment held in trust by the lender to      Fee paid to mortgagee for paying the
embraces is contained in the               and delivered on closing day.                                                                                                          pay for taxes, hazards insurance, mort-     mortgage before it becomes due. Also
REALTOR® Pledge:                                                                                                                    Closing Costs                                 gage insurance, lease payments, and
                                           Assist you, if necessary, in finding the right moving company, health care options,                                                                                                known as prepayment fee.
                                                                                                                                    Expenses incurred in the closing of a         other items as they become due, known
I am a REALTOR and I Pledge                schooling information, home insurance and any other home-related services                real estate or mortgage transaction.          as impounds in some states.                 Private Mortgage Insurance
Myself:                                    you need.                                                                                Purchaser’s expenses normally include:                                                    Insurance written by a private company
                                                                                                                                    cost of title, premiums for title policies,   Investor                                    protecting the mortgage lender against
                                           Assist you with the close of escrow documentation process.                               survey, attorney fee, lender’s fees and       The holder of a mortgage or the per-        loss due to default.
to protect the individual right of real                                                                                                                                           manent lender for whom the mortgage
                                                                                                                                    recording charges. The purchaser may
estate ownership and to widen the          ...And the best thing is that these benefits do not cost you anything. Believe it        have to place in escrow a sum of money        banker services the loan. Any person        Rent with Option
opportunity to enjoy it;                   or not, my services are paid for by the home seller or the new home builder!             to cover accrued real estate taxes and        or institution that invests in mortgages.   A contract which gives one the right to
                                                                                                                                    insurance.                                                                                lease property at a certain sum with the
                                                                                                                                                                                  Lease Purchase Agreement                    option to buy.
to be honorable and honest in all          I’ll provide you with comprehensive, high-quality buyers services. My experi-                                                          Buyer makes a deposit for the future
                                                                                                                                    Conventional Mortgage
dealings;                                  ence, education and knowledge of the Las Vegas market makes relocating                   A loan neither insured by the FHA nor         purchase of a property with the right       Second Mortgage/Second Trust
                                           from anywhere in the country a simple, stress-free process. So if you would              guaranteed by the VA.                         to lease the property in the interim.       Junior Mortgage or Junior Lien; an ad-
to seek better to represent my             like me to help you buy a home, please call or e-mail me anytime. Hope to hear                                                                                                     ditional loan imposed on property with
                                                                                                                                    Equity                                        Loan to Value Ratio                         a first mortgage.
clients by building my knowledge           from you soon.                                                                                                                         Ratio of the mortgage loan principal
                                                                                                                                    The difference between the market
and competence;                                                                                                                                                                   (amount borrowed) to the property’s         Straight Loan
                                                            Phil A. Scheinman                                                       value of the property and the
                                                                                                                                    homeowner’s indebtedness.                     appraised value (selling price). On a       A loan with periodic payments of inter-
to act fairly towards all in the spirits                                                                                                                                          $100,000 home, with a $80,000 mort-         est only with the principal sum due in
of the Golden Rule;                                   4055 South Spencer Suite 226                                                  Exchange                                      gage, the loan to value ratio is 80%.       one lump sum at maturity.
                                                        Las Vegas, Nevada 89119                                                     The trading of equity in a piece of prop-
                                                                                                                                    erty for equity in another.                   Mortgage/Deed of Trust                      Title
to serve well my community, and                          Toll Free (800) 690-0509                                                                                                 Pledge of real property to secure debt      Often used interchangeably with own-
through it my country;                                     Fax (702) 614-9337                                                       Fixed Mortgage Rate                           by mortgagor’s instrument. Recorded         ership. It indicates the accumulation of
                                                                                                                                    A loan that fixes the interest rate for its   in the County Recorder’s Office.            all rights in property.
                                                         Cellular (702) 580-9198                          24-KARAT                  duration.
to observe the REALTOR ’s Code                                                                                                                                                    Mortgage Insurance Premium                  Title Insurance
of Ethics and conform my conduct
                                                        Email:                           REALTY
                                                                                                                                    Freddie MAC                                   The consideration paid by a mortgagor       Protects insured against loss arising
to its lofty ideals.                                                                                                                Nickname for Federal Home Loan                for mortgage insurance either to FHA        from title defects. .

3             Phil Scheinman 24- Karat Realty          (702) 580-9198                                                                                                                   Phil Scheinman            24-Karat Realty     (702) 580-9198              20
Explanation of Buyer/Seller Costs                                                                                               Phil Scheinman, BA, CRS, ABR, GRI, E-PRO
Alta Policy                                by buyer or seller. On FHA and VA         generally paid for by the seller.          BUSINESS SKILLS   Comparative Market Analysis – CMA                   Computer Savvy
Purchased by the buyer to provide          loans Discount Points are typically                                                                    Professional Broker’s Opinion – PBO                 Commercial Sales
                                                                                     Private Mortgage Insurance                                   Residential Sales Specialist                        Relocation Expert
the lender with title insurance. The fee   paid by the seller.
                                                                                     On conventional loans an insurance                           Residential listings Specialist                     Investment Properties
is based on the loan amount. When          Escrow Fees                               premium charged by a private mort-
issued simultaneously with the
                                           Charged by the escrow company for         gage insurer to insure lender for          EXPERIENCE        Realtor 24-Karat Realty Las Vegas, Nevada           2008 – present
owner’s policy, a reduced rate is
                                           services, these fees are usually split    amounts in excess of 80% (loan to
given by most title insurers.
                                           between buyer and seller. On VA           value) against a borrower’s default.                         Fund Raiser Las Vegas, Nevada                        2002 – 2007
Appraisal                                  loans the escrow fee is charged to the                                                                 Over $100,000 raised for Several Las Vegas community
                                                                                     Real Estate Brokerage Fee
Fee paid to determine the estimated        seller.                                                                                                associations and activities
                                                                                     The amount paid to the real estate
market value of the property. The Fee      Home Warranty Program                     firm by the seller for services.
is generally paid by the buyer.                                                                                                                   Realtor (Broker Sales Agent) Liberty Realty               2002-2007
                                           Home Protection Coverage available
                                                                                     Recording Fees
Assessments                                from private companies, protecting                                                                     Ford Motor Credit Deptment Henderson, NV                  2001-2002
                                           seller and buyer on major systems and     Charged by the County Recorder’s
Local improvements on property for                                                   Office for recording any closing
sewers or water, generally paid in full    built-in appliances. Most builders pay                                                                 Operator of a chain of Retail Stores Las Vegas, Nevada    1990 – 2000
                                           the fee on new construction.              documents.
on all cash or new loan transactions.
May be assumable on seller financed        Homeowner’s Association Fee               SID
or assumption transactions.                                                          Site Improvement Development fees
                                           On townhomes, condominiums, etc.,
                                           the monthly service assessment fee        are passed on to the homeowner from
Credit Report
                                           pro-rated between the buyer and           the developer to cover the expense
A charge to obtain a financial back-                                                                                            EDUCATION         Graduate Realtors Institute (GRI), 2007
                                           seller at closing.                        of creating new utility lines and infra-
ground report on the borrower.                                                                                                                    Specialized training in real estate investment, taxes, listing, and selling
                                           LID                                                                                                    specifically designed to maximize customer’s opportunities and comfort level.
Down Payment                                                                         Tax Service
The difference between the total sale      Land Improvement Development fees
                                                                                     Required to assure that all tax billings                     Accredited Buyers Representative (ABR) Certification, 2005
price and the new loan amount, due         are passed on to the homeowner from
                                           the developer to cover the expense        are paid on the right tax parcel. FHA
in cash at closing.                                                                  does not allow the borrower to pay                           E-Pro Designation (E-PRO) Certification, 2005
                                           of land development.
                                                                                     the Tax Service Fee.                                         Exstensive online education and training to provide the best electornic
Discount Points
                                           Origination Fee                                                                                        service available to the consumers.
A percentage of the loan amount re-                                                  Transfer Fee
                                           A fee based on the loan amount, paid
quired by lender. These points fluc-                                                 Also called the Assumption Fee, it is                        National Association of Realtors (2002)
                                           by the borrower to lender, in order to
tuate depending on the availability of                                               required on all cash to mortgage                             Extensive classroom training and a formidable written exam certified by America’s
                                           originate the loan.
mortgage money and the current in-                                                   transactions (assumptions). A lender                         oldest and largest association of real estate practitioners representing consumers.
terest rate. On conventional loans         Owner’s Title Insurance Policy            typically charges to transfer the loan
Discount Points may be paid either                                                   to the buyer’s name.                                         Bachelor of Arts, (1992)
                                           Charged by the title company, the
                                                                                                                                                  Univeristy of Southern California
                                           policy insures the buyer of marketable
                                           title up to the date conveying instru-
                                           ment is recorded. This fee is gener-                                                 ASSOCIATIONS      Top Team Sales Liberty Realty
                                           ally paid by the seller.                                                                               Greater Las Vegas Association of Realtors – GLVAR
                                           Pest Inspection                                                                                        Jewish Community Center of Southern Nevada
                                                                                                                                                  National Association of Realtors – NAR
                                           Required on most new loans to                                                                          Real Estate Buyer’s Agent Council - REBAC
                                           determine if there is an infestation of                                                                Chabad of Southern Nevada
                                           termites or other pests in the home,                                                                   Alpha Epsilon Pi

19           Phil Scheinman 24- Karat Realty           (702) 580-9198                                                                                                Phil Scheinman     24-Karat Realty    (702) 580-9198          4
S             outhern Nevada at a Glance
                                             7,910 square miles in the Great Basin
                                             surrounded by the Sierra Nevada and
                                                                                               city incorporated in 1946. It is
                                                                                               located to the west of the Las Vegas
                                                                                                                                               How Much Home Can You Afford?
                                                                                                                                               This easy to use chart can help you
                                                                                                                                               calculate what your monthly principle
                                                                                                                                                                                              falls between the numbers shown,
                                                                                                                                                                                              simply add the amount from the
                                                                                                                                                                                                                                                     ments. A $500,000.00 mortgage will
                                                                                                                                                                                                                                                     be equal to twice the $250,000.00
Climate                                      Wasatch mountain ranges and has a                 metropolitan area and has a                     and interest payment will be on your           $5,000.00 column until your amount                     mortgage at the same interest rate.
                                             total population over 1.9 million.                population just over 200,000.                   new home. The payment is directly              is reached. For example if your mort-
Las Vegas is one of the sunniest cities                                                                                                        proportional to the size of your mort-         gage is for $265,000.00 at 7%, add                     Remember that these estimates
in the United States. The sun shines         Las Vegas                                                                                         gage and the interest rate being               (34 x 3) to $1612 and you will arrive                  (rounded to nearest dollar) are for
during 315 days in an average year,                                                                                                            charged by the lender. The figures             at a payment of $1684.00. Alterna-                     principle and interest only. Your
that’s almost 80% of the time. Hot
                                             With a population of over five                    Population Profile                              below are based on a 30-year fixed             tively you may use multiples of a                      actual payment will include charges
                                             hundred and ninety thousand, Las
summers and moderate winters along                                                             Population by Race*             Percentage of   mortgage term. If your loan amount             specific column to arrive at your pay-                 for taxes, property insurance, etc.
                                             Vegas is the state’s largest city. It has
with low humidity (approximately             all the dimensions of a major                                                      Population
                                                                                                                                                                                                                    Interest Rate (percent)
30% on average) combine with ideal           metropolitan area combined with                   African-American                   8.2
spring and fall temperatures (average                                                                                                           LOAN AMT.      4.0   4.5   5.0   5.5    6.0    6.5    7.0     7.5      8.0     8.5     9.0    9.5      10.0    10.5     11.0 11.5    12.0   12.5
                                             relaxing life-style.                              Asian/Pacific Islander             6.6
80 degrees) to make Las Vegas an                                                               Caucasian                         54.0             $5,000.00    24    26    27    29     30      32     34     35         37    39       41    42        44       46      48    50     51      53
excellent year round place to live.          Henderson/Green Valley                            Hispanic                          26.0            $60,000.00   289    307   325   344   363     383    403    423      444     465      487   508       530      553     575    598    617    640
                                             Henderson, founded during World                   Native American                    0.7            $80,000.00   386    409   434   459   484     511    537    564      592     620      649   678       707      737     767    797    823    854
Average Temperatures*:                       War II, is located between Las Vegas                                                               $100,000.00   482    512   542   573   605     638    672    706      740     775      811   847       884      921     959    996 1029     1087
(30 year norm in degrees Fahrenheit)                                                           Length of Residence             Percentage of
                                             and Boulder City. About 8,000 acres                                                                $120,000.00   578    614   651   688   726     766    806    847      888     931      973 1017       1061     1105     1150 1196    1234   1281
Month                     High         Low
                                                                                               in Years*                        Population
                                             of lush commercial and residential                                                                 $140,000.00   675    716   759   803   848     893    940    988 1036         1086 1136 1186          1238     1289     1342 1395    1440   1494
                                                                                               Less than one                       5.2
January                   57           37    real estate has been developed into a                                                              $160,000.00   771    819   867   917   969 1021 1074        1129     1184     1241 1298 1356          1414     1474     1534 1594    1646   1708
                                                                                               One to Five                        23.6
February                  63           41    unique community called Green Valley.
                                                                                               Six to Ten                         18.4          $180,000.00   867    921   976 1032 1090 1149 1209          1270     1332     1396 1460 1525          1591     1658     1725 1793    1852   1921
March                     70           47                                                      11 to 20                           24.1          $200,000.00   964 1023 1084 1147 1211 1276 1343             1411     1480     1551 1622 1695          1768     1842     1917 1993    2057   2135
                                             Boulder City
April                     78           54                                                      20+                                28.7          $220,000.00   1060 1126 1193 1261 1332 1404 1477            1552     1629     1706 1784 1864          1945     2026     2109 2192    2263   2348
                                             Boulder City is the only Nevada city
May                       88           63                                                                                                       $240,000.00   1157 1228 1301 1376 1453 1532 1612            1693     1777     1861 1947 2034          2122     2211     2300 2391    2469   2561
                                             that does not allow gaming. It is a               Household Income*               Percentage of
                                                                                                                                                $250,000.00   1205 1279 1355 1443 1514 1595 1679            1764     1851     1939 2028 2118          2210     2303     2396 2491    2572   2668
June                      99           72    beautiful and unexpected oasis, with                                               Population

July                      104          78    a population of 15,000+ residents,                Less than $19,999                  12.0
                                             located between Hoover Dam and                    $20,000-$34,999                    18.4         One common question asked is
August                    102          77
                                             Las Vegas.                                        $35,000-$74,999                    39.4         “What price home can I buy?”A                   A. Gross Monthly Income                              F. Purchase Price           $___________
September                 94           69                                                      $75,000+                           30.2         good rule of thumb is that your total              $ __________ x 0.28 =        ___________
                                                                                                                                                                                                                                                    G. Less Down Payment        $___________
October                   81           56    North Las Vegas                                                                                   mortgage payment, including taxes               B. Gross Monthly Income
                                                                                                   Source: Nevada Development Authority                                                                                                             H. Proposed mortgage (F-G)$___________
November                  66           44    North Las Vegas is a self-contained                           2007 Perspective                    and insurance, should not exceed 25-               $ __________ x 0.36 =        ___________
                                                                                                                                               28% of your gross monthly income.                                                                    J. Monthly Principal and
December                  57           37                                                                                                                                                      C. Monthly Payments on                                  interest payment         $___________
                                                                                                                                               You may also be limited by the                     Long-Term Debt               ___________
    Source: National Weather Service
                                                   Cost of Living Comparison                                           *                       amount of long term debt (>12
                                                                                                                                               months to pay off) you currently have.
                                                                                                                                                                                               D. Subtract
                                                                                                                                                                                                                                                    K. Real Estate Taxes        $___________
                                                                                                                                                                                                                                                      (approx. 1.5% of purchase price/12)
                                                  Based on a national index of 100.                                                                                                               line C from B                ___________
                                                                                                                                               Your mortgage payments and debt                                                                      L. Homeowners Insurance $___________
Area Profiles                                     City                                Housing           Grocery            Utilities           payments combined should not ex-                E. Enter the Smaller of
                                                                                                                                                                                                  lines A and D                ___________
                                                                                                                                                                                                                                                      (approx. $5 per $1,000 purchase price/12)
                                                  Las Vegas, NV                         97.5             104.2               93.4              ceed 33-36% of your gross monthly                                                                    M. Mortgage Insurance*      $___________
Las Vegas, located at the southern tip            Los Angeles, CA                      210.0             113.9              106.6              income. The formula on this work-                                                                      (approx. $6 per $1,000 purchase price/12)
                                                                                                                                                                                               If line N is greater than line E, select a smaller
of Nevada, is bordered by Hoover                  Nassau County, NY                    180.6             120.7              124.4
                                                                                                                                               sheet will help determine how much              loan amount and recalculate until the total N. Total Monthly Payment
Dam, Nellis Air Force Base complex,               Orlando, FL                           91.5             105.2              103.9                                                              monthly mortgage payment is less than line E
                                                                                                                                               home you can afford. Start with a pur-                                                             Add lines J-M     $___________
and the Nevada Test Site. Clark                   Portland, OR                         122.6             109.8              107.9
                                                                                                                                               chase price equal to approximately              * Only required on conventional loans with a loan amount in excess of 80% of value. The cost
                                                                                                                                                                                                 will depend on the loan type and loan to value ratio.
County comprises approximately                    *
                                                      Source: American Chamber of Commerce Research Association, first quarter, 2003           2 1/2 times your annual gross salary.

5                Phil Scheinman 24- Karat Realty            (702) 580-9198                                                                                                                           Phil Scheinman                  24-Karat Realty          (702) 580-9198                  18
T       he Home Buying Process
                               Loan Application
                                                                             If You are NOT Self-Employed or
                                                                             on Commission:
                                                                                                                         Taxes, Licenses and Fees
                                                                                                                         Personal Taxes                             Business Tax
                                                                                                                                                                    A onetime state license fee of $25
                                                                                                                                                                                                                      Insurance System (SIIS), except in
                                                                                                                                                                                                                      the case of self-insured employers.
Loan Flow Chart                Guidelines                                    1. A copy of your most recent pay stub
                                                                                for borrower and co-borrower, and
                                                                                                                         Personal Income Tax              None      applies. Tax is paid quarterly and is             Rates are set according to experi-
                                                                                                                         Gift/Inheritance Tax             None      $25 per each full-time equivalent                 ence in Nevada and hazards in the
                               The process of applying for a home               W-2s for the past two years.                                                        employee. Sole proprietors with no                industry. Premiums are collected on
     Real Estate Agent         mortgage can be simplified with care-                                                     Property Tax                               employees, government entities and                each $100 of payroll to a maximum
      Home is Selected         ful preparation of the necessary docu-                                                    $5 per $100 of assessed valuation is
                                                                             If You ARE Self-Employed or have                                                       nonprofit corporations are exempt.                of $36,000.
                               mentation prior to your first application                                                 Nevada’s constitutional limit on
                               appointment. If you have the following        a salary based on Commission:
                                                                                                                         property tax. The statutory limit is       Real Property Tax                                 Filing Articles of Incorporation
                               information available at the time you         1. Complete copies of the last two
                                                                                                                         $3.64 per $100. In the Metro area          Real property refers to land, building
                               apply for your loan, it will help avoid          years personal federal tax returns,
                                                                                                                         the rate varies depending on a             and improvements not normally                     Fees for filing articles of incorpora-
       Loan Officer            unnecessary delays in receiving your             with all schedules, W-2s or 1099s.
                                                                                                                         property’s location. All classifications   removable. The taxable value for land             tion or agreements of consolidation
      Loan Application         loan decision.                                2. Complete copies of the last two
                                                                                                                         of property are assessed at 35% of         is full cash value; for improvements              varies from $125 for $25,000
                                                                                years business tax returns, if a cor-
                                                                                                                         the statutorily defined taxable value      value is replacements costs less                  (shares) or less to $425 for the first
                                                                                poration or partnership.
                               Everyone Should Bring:                                                                    of the property.                           depreciation at 1.5% per year up to               $1 million with an additional $225
                                                                             3. A recent financial statement on the
                               1. A copy of your purchase contract for
                                                                                                                                                                    50 years.                                         for each $500,000 thereafter.
                                                                                business, if available at this time. A   Personal Property Tax
      Loan Processor              the property you are buying.                  profit and loss statement, balance       Household goods owned by a single          Equipment and Property Tax
          Orders               2. Your checkbook, as upfront fees are           sheet, current within 90 days, will                                                 Property not permanently attached to
                                                                                                                         family are exempt.
                                  normally collected.                           be required prior to loan approval.                                                 land is assessed at 35% of original               Gaming and
                               3. Complete mailing address and ac-
                                  count numbers for all outstanding
                                                                                                                         Sales Tax                                  cost less depreciation.                           Hospitality
                                                                                                                         7.525 percent. Sales tax is not levied
                                  mortgage loans, credit card debts,
                                                                             If You Have Social Security or
                                                                             Retirement Income:
                                                                                                                         on food for home consumption and                                                             Industry
     Loan Committee
                                  auto loans, etc. Indicate monthly pay-
                                                                             1. Proof of Social Security income
                                                                                                                         prescription drugs.                        Corporate Fees                                    Several taxes apply specifically to the
                                  ments and balances owed.                                                                                                                                                            hospitality and gaming industries,
                                                                                with a copy of the Award Letter,
                               4. Copies of the most recently received                                                                                              Business Licenses                                 including the gross gaming revenue
                                  bank statements for all checking and
                                                                                and a copy of a recent check or          Business Taxes                             Five local entities issue business                tax, taxable tax, and slot taxes
                                                                                bank statement with direct deposit.
                                  savings accounts.                                                                      Corporate Income Tax             None      licenses. The cost is based on gross              levied by the state; the table tax is
                                                                             2. Proof of retirement/pension income
                               5. Copies of all broker statements ( mu-                                                                                             annual sales or a fixed rate.                     levied by the county and gambling
      Loan Processor                                                            with a copy of the benefits letter,      Franchise Tax                    None
                                  tual funds, money markets etc.), and                                                                                                                                                licenses are issued by the city. For
      Clear Conditions                                                          and a copy of a check, tax return ,      Unitary Tax                      None      Industrial Insurance
                                  copies of all stocks/bonds along with                                                                                                                                               more information contact the
                                                                                W2 or 1099 form.                                                                    Worker’s compensation must be pur-
                                  their current values.                                                                  Admissions Tax                   None                                                        Gaming Control Board, Capitol
                               6. Information as to all sources of                                                       Capitol Stock Tax                None      chased from the State Industrial
                                                                                                                                                                                                                      Plaza, 1150 E. William Street,
                                  money to be used for down payment          If You are Applying for a VA Loan:          Inventory Tax                    None      Note: All taxes and fees are subject to change.   Carson City, Nevada 89710.
      Escrow Closer               and closing costs.                         1. Copy of your DD 214 (discharge
                               7. If you are receiving a gift to help with      papers) or a current in-service
                                  your down payment or closing costs,           statement.
                                  you must present a proper gift letter,     2. The original of your Certificate of
                                  verification of the donor’s bank ac-          Eligibility, if you already have one.
                                  count, and verification of transfer        3. Information on any VA loans you
        Possession                of funds.                                     have previously had, if available.
                               8. Driver’s license or other valid Picture    4. Self-employed VA buyers must pro-
      Your New Home
                                  I.D. for each borrower.                       vide an audited profit and loss.

17       Phil Scheinman 24- Karat Realty      (702) 580-9198                                                                                                              Phil Scheinman               24-Karat Realty     (702) 580-9198                  6
Recreation and Leisure                                                                                                  Las Vegas Area Zip Code Map
Stadiums                               Annual Events                            Free Shows
Cashman Field Center:    386-7184      Henderson Art Festival:    565-2063      Treasure Island Buccaneer Sea Battle
 850 Las Vegas Blvd. North             Art in the Park:           293-9202      Circus Circus, Acts & Performances
LV Motor Speedway:       644-4444      Celebration of the Arts:   229-6297      Excalibur Merlin vs. Dragon Shows
 7000 Las Vegas Blvd. North            County Fair and Rodeo:     398-3247      Sam’s Town Water, Laser light Shows
MGM Grand:               891-7777      Earth Fair:                565-2085
 3799 Las Vegas Blvd. South            Greek Food Festival:       221-8245      Rides, Arcades
Mandalay Bay:            737-6263      Hellderado Days:           895-3900
 3950 Las Vegas Blvd. South            Heritage Days:             565-8951      & Theme Parks
Thomas & Mack Center: 895-3900         Jaycee State Fair:         457-8832      Adventure Dome:           794-3939
 4505 Maryland Parkway                 Japan Festival:            252-0277      Desperado Coaster:        382-1111
                                       Shakespeare in the Park:   565-2063      GameWorks:                895-7626
                                       UNLV Lecture Series:       895-2787      Grand Slam Canyon:        891-7979
Associations                                                                    M&M World:                597-3122
Boys and Girls Clubs:       367-2582                                            Mini Grand Prix:          259-7000
Broadcasters Association: 891-0177     Art Galleries                            Nascar Sahara Hotel:      734-7223
Elks Lodge No 1682:         293-2457   Art Encounter:             227-0220      NY-NY Coney Island:       740-6969
Filipino American Club:     873-0237   Arts Factory:              676-1111      Scandia Family Fun Center:364-0070
Jaycees of Henderson:       656-3230   Carrara:                   877-4299      Sega Virtualand Arcade: 262-4000
Kiwanis Clubs:              367-1973   Contemporary Collective:   382-3686      Star Trek The Experience: 697-8700
Lions Club:                 736-6506   Old Town:                  568-5655      The Children’s Zoo:       648-5955
Toastmasters International: 367-1973   Vignettes:                 229-6211      Wet ’n Wild:              734-0088

Centers                                Border Resorts                                                                   PAHRUMP

                                       Mesquite. 77 miles (124 km) northeast of Las Vegas; 1,171 rooms; three
Aladdin Resort Convention Center                                                                                         89048
                                       major casino resorts, Oasis Resort, Virgin River Hotel and Casablanca Resort.
  3668 LV Blvd. S.      785-5555                                                                                         89060
Las Vegas Convention Center            Primm. Three major casinos linked by monorail, Whiskey Pete’s, Primadonna         89061
  3150 Paradise Rd.     892-0711       and Buffalo Bill’s which features the worlds steepest, fastest roller coaster.
MGM Grand Convention Center
                                       Jean. Two major casinos, Gold Strike Casino and Nevada Landing, flank I-15
  3799 LV Blvd. S.      891-7200
                                       approximately 25 miles south of Las Vegas.
Sands Expo & Venetian Center
  201 E. Sands Ave.     733-5556       Gold Strike Inn. This major casino is just three miles west of Hoover Dam.

7           Phil Scheinman 24- Karat Realty       (702) 580-9198                                                                    Phil Scheinman   24-Karat Realty   (702) 580-9198   16
Metropolitan Street Map                                                                Golf Courses
                                                                                       Las Vegas Public Courses
                                                                                                                               Henderson Public Courses
                                                                                                                               Black Mtn. 500 E. Greenway Rd.
                                                                                                                               Desert Willow. 2010 W. Horizon
                                                                                                                                                                          Lost City Archaeology:
                                                                                                                                                                          Mt. Charleston:
                                                                                                                                                                          Mormon Fort Park:
                                                                                       Angel Park. 100 S. Rampart Blvd.        Falls. @ Lake Las Vegas                    Spring Mountain Ranch:      875-4141
                                                                                       Badlands. 9119 Atla Dr.
                             Las Vegas Valley                                          Bali Hai. 5160 LV Blvd. S.
                                                                                                                               Legacy. 130 Par Excellence Dr.
                                                                                                                               Reflections Bay. 75 Montelago
                                                                                                                                                                          Red Rock Canyon:
                                                                                                                                                                          Ron Lee Clown Factory:
                                                                                       Bear’s Best. 11111 W. Flamingo Rd.      Revere. 2600 Hampton Rd.                   The Planetarium:            651-4759
                                                                                       Desert Pines. 3401 E. Bonanza           Rio Secco. 2851 Grand Hills Dr.            Valley of Fire:             397-2088
                                                                                       Desert Rose. 5483 Club House Drive      Seven Hills. 1021 Seven Hills Dr.
                                                                                       Durango Hills. 3521 N. Durango
                                                                                       Las Vegas. 4300 Washington Ave.
                                                                                                                               Wild Horse. 2100 W. Warm Springs           Performing Arts
                                                                                       LV National. 1191 E. Desert Inn Rd.                                                Dance
                                                                                       Los Prados. 5150 Los Prados Circle      Museums                                    Las Vegas Civic Ballet:     229-6211
                                                                                       Paiute Resort. 10325 Nu-Way Kaiv        Bellagio Fine Art Gallery: 693-7111        Nevada Dance, UNLV:         895-3827
                                                                                       Primm Valley. I-15 @ Primm              Contemporary Art Institute:434-2666        New Works Project:          456-0421
                                                                                       Rhodes Ranch. 20 Rhodes Ranch           Guinness World Records: 792-3766           Theatre Ballet of LV:       458-7575
                                                                                       Royal Links. 5995 E. Vegas Valley Dr.   Heritage Museum:           455-7955        University Dance Theatre:   895-2787
                                                                                       Siena. 10575 Siena Monte Ave.           Historical Society:        486-5205        Music
                                                                                       Sunrise Vista. 2841 Kinley @ Nellis     Hoover Dam Museum:         294-1988        Bluegrass Music Society:    594-6422
                                                                                       Tournament Players. 9801 Dansburry      King Tut’s Museum:         262-4000        Charles Vanda Series:       895-2787
                                                                                       Las Vegas Private Courses               LV Art Museum:             360-8000        Henderson Symphony:         565-2367
                                                                 TO LAKE MEAD          Canyon Gate. 2001 Canyon Gate Dr.       Liberace Museum:           798-5595        LV Jazz Society:            313-6778
                                                               RECREATION AREA
                                                                                       Country Club. 3000 Joe W. Brown         Lied Discovery Children’s: 382-5437        LV Youth Orchestra:         385-8948
                                                                                       Eagle Crest. 2203 Thomas Ryan           Natural History:           384-3466        Nevada Symphony:            433-9280
                                                                                       Highland Falls. 10201 Sun City Blvd.    Thunderbird Museum:        652-4018
                                                                                       Painted Desert. 5555 Painted Mirage     UNLV Natural History: 895-3381
                                                                                                                                                                          Actors Repertory:         647-7469
                                                                                       Palm Valley. 9201-B Del Webb Blvd.
                                                                                                                                                                          Cashman Theatre:          386-7100
                                                                                       Red Rock. 2250 Red Springs
                                                                                       Silverstone. 8660 Cupp Dr.
                                                                                                                               Points of                                  Charleston Heights:       229-6383
                                                                                                                                                                          Clark County Library:     733-1139
                                                                                       S. Highlands. 1 Robert Trent Jones      Interest                                   Community College SN: 651-5483
                                                                                       Spanish Trail. 5050 Spanish Trail Ln.
                                                                                                                               Black Canyon River Raft:     293-3776      Nevada Opera Theatre: 699-9775
                                                                            TO LAKE    Stallion Mtn. 5500 E. Flamingo Rd.
                                                                             MEAD                                              Bonnie Springs Old NV:       875-4191      New West Theatre:         258-8022
                                                                           NATIONAL    TPC Canyons. 9851 Canyon Run Dr.
                                                                          RECREATION                                           Ethel M. Factory:            433-2500      Rainbow Co. Children’s: 229-6553
                                                                             AREA      TPC Summerlin. 1700 Village Center
                                                                                                                               Gilcrease Wildlife Center:   645-4224      Rainbow Library:          243-7312
                                                                                       Henderson Private Courses               Hoover Dam:                  293-8321      Reed Whipple Center:      229-6211
                                                                                       Anthem. 25 Anthem Dr.                   Ice Arena Santa Fe Hotel:    658-4900      Sammy Davis Jr. Plaza:    229-2390
                                                                                       Legacy. 130 Par Excellence Dr.          Lake Mead Cruises:           293-6180      UNLV. Theatre Arts:       895-3666
                                                                                       South Shore. 29 Grand Mediterra         Lake Mead Recreation:        293-8906      W. Las Vegas Arts Center: 229-4800
                                                                                       Wild Horse. 2100 Warm Springs Rd.       Lee Canyon Ski Area:         872-5462      Whitney Library:          454-5145

                                                        Henderson        CITY

15   Phil Scheinman 24- Karat Realty   (702) 580-9198                                                                               Phil Scheinman           24-Karat Realty   (702) 580-9198               8
Helpful Contact Information
Fire, Police, Ambulance:        911
                                      Public Services
                                      Las Vegas
                                                                             Ambulance Dispatch:        384-3400
                                                                                                                   as Vegas Realtors MLS Area Map

                                      City Hall:                  229-6011   Boulder City:              293-4111
                                        400 Stewart Avenue                   Columbia Sunrise           731-8800
Non- Emergency                        Chamber of Commerce: 735-1616          Desert Springs:            733-8800
Las Vegas Police:          795-3111     3720 Howard Hughes Parkway           Sunrise:                   731-8000
N. Las Vegas Police:       633-9111   Parks and Recreation:       229-6297   North Vista:               649-7711
Henderson Police:          565-8933   Senior Programs:            229-6601   Mountain View:             255-5000
Fire Department:           383-2888   Clark County:               455-4011   Southwest Medical:         877-8600
Clark County Sheriff:      229-3231   Library ( 734-7323   Spring Valley:             853-3000
Nevada Highway Patrol:     486-4100     Clark County. 1401 E. Flamingo Rd.   St. Rose Dominican:        616-5000
Secret Witness Program:    385-5555     Enterprise. 25 Shelbourne Ave.       Summerlin:                 233-7000
FBI:                       385-1281     Las Vegas. 833 Las Vegas Blvd.       University Medical Center: 383-2000
American Red Cross:        791-3311     Rainbow. 3150 N. Buffalo Dr.         Valley Medical Center:     388-4000
Road Conditions:           385-6500     Sahara West. 9600 W. Sahara Ave.
County Health District     385-1291     Spring Valley. 4280 S. Jones Blvd.
                                        Summerlin. 1771 Inner Circle Dr.
                                        Sunrise. 5400 Harris Ave.            McCarran Int’l Airport:   261-5211
Hotlines                                W. Charleston. 6301 W. Charleston    Henderson Executive       261-4800
Sunrise Poison Center:  732-4989        W. Las Vegas. 951 W. Lake Mead
Help of So. Nevada:     369-4957
Eldercare Helpline: 800-677-1116
                                        Whitney. 5175 E. Tropicana Ave.      Employment
                                      N. Las Vegas                           Boulder City Hotline     293-9430
                                      City Hall:                633-1000     Catholic Charities Senior Service
Telephone                               2200 Civic Center Drive              Employment Program 382-0721
Embarq Telephone:                     Chamber of Commerce: 642-9595          Catholic Charities St.Vincent
  Residential Service     244-7400      1023 E. Lake Mead Boulevard          Employment Service       384-3837
  Business Service 800-786-6272       Parks and Recreation:     633-1600     Clark County Personnel 455-4565
Telepacific Communications:           Library Programs:         633-1070     County Job Openings 455-3174
  Residential Service     310-3100                                           Employment/Disabilities 486-4318
  Business Service        310-1000    Henderson                              Henderson Hotline        565-2318
AT&T:                 877-469-2355    City Hall:                 565-2323    Las Vegas Hotline        229-6346
                                        240 S. Water Avenue                  N. Las Vegas Hotline 633-1514
                                      Chamber of Commerce: 565-8951          Nevada JobConnect:
Utilities                               590 S. Boulder Highway               3405 Maryland Pkwy 486-0100
Clark County Sanitation:   458-1180   Parks and Recreation:      565-2063    2401 Las Verdes St.      651-2600
Cox Cable TV:              383-4000   Library Programs:          565-8402    2827 LV Blvd. N.         486-0200
LV Review-Journal/Sun      383-0400     Green Valley. 2797 N. GV Pkwy.       119 Water St., HD        486-0300
Nevada Power Co.:          367-5555     Gibson. 280 S. Water Street          1001 N. A St.            486-3441
Republic Sanitation:       735-5151     Lydia Malcom. 80 N. Pecos Rd.        Nevada State Hotline 486-2920
Southwest Gas Co.:         365-1555     Paseo Verde. 280 S. GV Pkwy.         Senior Citizen’s
Water District:            870-4194     Pittman. 1608 Moser Dr.              Employment Svc           382-0721

9          Phil Scheinman 24- Karat Realty      (702) 580-9198                                                                 Phil Scheinman   24-Karat Realty   (702) 580-9198   14
Shopping                                                                                                                        Vehicles & Transportation
Bally’s Shopping         739-1111         Hawaiian Market              795-2247      Miracle Mile Shops           732-8949      Driver’s Licenses                                Motor Vehicles                               DMV Locations
3645 South Las Vegas Blvd.                3743 S. Las Vegas Blvd.                    3663 South Las Vegas Blvd
                                          80,000-square-feet modeled after the       170 stores, and 17 restaurants including   To obtain a driver license, you must             Registration Fees:                           DMV INFOLINE:           702-486-4368
Boulevard Mall             732-8949                                                                                             be a Nevada resident and provide a               Fees are annual and must be paid on          TOLL FREE               877-368-7828
                                          International Marketplace in Honolulu      Sur la Table, Godiva Chocolatier, V
3528 South Maryland Pkwy                                                                                                        Nevada street address.                           all vehicles at time of registration. Pas-
                                          brings a taste of island-style shopping    Theater and Krave Nightclub.                                                                                                             Full Service Offices:
Las Vegas’ oldest and second largest                                                                                                                                             senger cars and trucks with a gross
                                          to Vegas with several stand-alone cart                                                You are required to go to the DMV                                                             2701 E. Sahara Ave. (at McLeod)
mall, just off The Strip. 140+ stores                                                Montelago Village          564-4766                                                         weight of 6,000 pounds or less pay $33.
                                          vendors and nine anchor stores.                                                       and surrender your valid, state-                                                              8250 W. Flamingo Rd. (near Durango)
with a central food court.                                                           Strada di Villaggio, Lake Las Vegas
                                                                                                                                issued driver license or ID card for             Online Fee Estimator:                        7170 N. Decatur Blvd. (at Elkhorn)
                                          Horizon Outlets                            20+ shops and restaurants create the
Chinatown Plaza            221-8448                                                                                             cancellation with in 45 days. If your            Go to            1399 American Pacific (at Stephanie)
                                          1905 S. Casino Drive, Laughlin, NV         quaint, cobblestoned village on the
4255 Spring Mountain Road                                                                                                       social security number is not printed            estimate.asp online with your VIN
                                          Laughlin’s newest shopping attraction.     shore of Lake Las Vegas.                                                                                                                 Office Hours:
A blend of eastern and western-style                                                                                            on your driver license, you will need            ready. Use the DMV Fee Estimator to
                                          More than 80 merchants pack this                                                                                                       calculate an estimate of your vehicle        8AM - 5 PM M-F; 8AM - 4 PM SAT
shops and eateries in a unique Tong                                                  Neonopolis                 477-0470        to bring your social security card, or
Dynasty-style plaza; located one mile     two-story, Art Deco design mall,           450 Fremont St. near The Experience        you can bring a state license, or ID             registration costs. (Estimate only - to-
west of Treasure Island Casino.           offering large discounts from normal       9 restaurants, dozens of shops and 14      with your social security number listed,         tal fees will be slightly higher.) Nevada    CAT Bus
                                          retail prices.                             movie screens.                             a U.S. Military Identification Card, an          does not give credits or refunds of other    Call CAT-RIDE (228-7433), or go to
Fashion Outlets           874-1400                                                                                              original DD-214 Military Separation              states’ fees.
                                          Las Vegas Outlets          896-5599                                                                                                                                       
32100 Las Vegas Blvd S (Primm, NV)                                                   Showcase Mall            597-3122          Form or Social Security Administration
                                          7400 Las Vegas Blvd.                                                                                                                   Privilege Tax:                               cat/ for Citizens Area Transit (CAT)
100 stores and restaurants incl.                                                     3785 S. Las Vegas Blvd.                    documentation that you are currently
                                          130+ factory outlet stores, including                                                                                                  In lieu of personal property tax,            bus routes, schedules and maps.
Neiman Marcus. Daily shuttles from                                                   Family-friendly entertainment and          receiving Social Security benefits.
                                          Reebok, Tommy Hilfiger, Nike,                                                                                                          vehicles are valued at 35% of the            Inexpensive bus transportation is
NY-NY Hotel and MGM Grand Hotel.                                                     retail complex combines great                                                                                                            available throughout the valley; ride
                                          Nautica, Liz Claiborne and Calvin                                                     You will also need to bring one form             manufacturer’s retail price, depreciated
                                                                                     shopping, good eating and fun and                                                                                                        local routes for $1.25 and Strip routes
Fashion Show Mall           369-8382      Klein, 3 minutes south of Tropicana.                                                  of “additional proof of your identity”           to 85% after year one and down to 5%
                                                                                     games. M & M’s World, Ethel M,                                                                                                           serviced 24 hours a day seven days a
3200 South Las Vegas Blvd                                                                                                       documentation from the list below:               in nine years. The state taxes 4 cents
                                          LV Premium Outlets 474-7500                United Artists, and GameWorks.                                                                                                           week for only $2.00. The Double
Las Vegas’ largest mall. 220+ stores                                                                                                                                             on each $1 of valuation.
on the Strip, including Saks Fifth Ave,   875 South Grand Central Parkway            The District                564-8595
                                                                                                                                • Certified U.S. Issued Birth Certificate or                                                  Decker Deuce buses that debuted in
                                                                                                                                  Certified Abstract (copies are not accepted)   Required Liability Insurance:                late 2005, deliver visitors to Las
Neiman Marcus, Macy’s, Nordstrom,         120+ outlet stores, including Ann          2240 Village Walk Drive                    • U.S. Passport
                                          Taylor, Banana Republic, Kenneth                                                      • U.S. Military Identification or Military
                                                                                                                                                                                 Insurance must be issued by a                Vegas Boulevard attractions in style.
Bloomingdale’s and Dillard’s.                                                        Green Valley Ranch’s stylish shopping
                                                                                                                                  Report of Separation                           Nevada-licensed carrier. The minimum
                                          Cole, Lacoste, Polo Ralph Lauren, St.      complex with “Main Street”
Forum Shops               893-4300
                                          John and Theory.                           ambiance and tree-lined streets.
                                                                                                                                • Certificate of Citizenship or Naturalization
                                                                                                                                • Certificate of Degree of Indian Blood
                                                                                                                                                                                 liability insurance requirement is
                                                                                                                                                                                 $15,000 bodily injury, $30,000 per
                                                                                                                                                                                                                              Taxi Companies
3500 South Las Vegas Blvd                                                                                                       • Consular Report of Birth Abroad
                                          Le boulevard at Paris 739-4111             Restaurants on the premises include                                                         person per accident, and $10,000             Ace Cab Company:             736-8383
150+ stores accessible from Caesars                                                                                             • Permanent or Temporary Resident Card
                                          3655 S. Las Vegas Blvd.                    Elephant Bar, P.F. Chang’s, King’s Fish    • Resident Alien Card or I-551 Receipt           property damage. You must keep a             A-North Las Vegas Cab:       643-1041
Palace, including FAO Schwartz,
                                          12 distinctive boutiques on a charming     House and Panera Bread.                    • Valid Foreign Passport stamped                 Nevada Evidence of Insurance card in         Desert Cab Company:          386-9102
Christian Dior, Versace, Victoria’s                                                                                               “Processed for I-551”
                                                                                                                                                                                 your vehicle at all times and present it     EOB Handicap Transport:      646-4203
Secret, Gucci, Armani and Spagos.         cobblestone path.                          Vegas Pointe Plaza       897-9090          • Arrival-Departure Record (I-94) with Visa
                                                                                                                                                                                 to law enforcement upon request.             Henderson Taxi:              384-2322
                                                                                     9155 Las Vegas Blvd.                       • Permit to Reenter the U.S.
Galleria at Sunset        434-0202        Masquerade Village           252-7777                                                 • Refugee Travel Documents                                                                    Lucky Cab Company:           732-4400
                                          3700 W Flamingo Rd.                        Factory Stores of America including                                                         Other Requirements:                          Nellis Cab Company:          248-1111
Sunset Blvd and Stephanie Ave.
                                          Specialty stores overlooking the casino    brand names such as Mikasa.                Residents of all U.S. territories and            Smog checks are required on gasoline         Western Cab Company:         736-8000
130+ stores on 2 levels. Robinsons-
                                          floor are the backdrop to fun and lavish                                              foreign countries must meet the Proof            and diesel powered cars and trucks,          Whittlesea Blue Cab:         384-6111
May, JCPenney, Mervyn’s, Dillard’s.                                                  Via Bellagio              693-7111
                                                                                                                                of Identity requirements and take                1968 and newer. New vehicles are             Yellow Checker Star Cab:     873-2000
                                          shows in the village area.                 3600 S. Las Vegas Blvd.
Grand Canal Shoppes 414-4500                                                                                                    vision, knowledge and skills tests. If           exempt on their first and second
                                                                                     Elegant shopping featuring Chanel,
3377 S Las Vegas Blvd.                    Meadows Mall               878-4849
                                          4300 Meadows Ln. (I-95 & Decatur)          Prada, Gucci, and Tiffany & Co.
                                                                                                                                you cannot meet these requirements,
                                                                                                                                e-mail to or call
                                                                                                                                                                                 registration. New residents must
                                                                                                                                                                                 surrender their out-of-state plates. Any
More than 100 stores at the Venetian
Hotel. Marshall Rousso, bebe, Lladro,     130+ stores, including Sears, Macy’s,      Wynn               (888) 320-7123          the local DMV office before applying             vehicle or trailer which has never been      Monorail systems run between some
Banana Republic, Brookstone.              Dillard’s, JCPenneys, & Hot Topics.        3131 S. Las Vegas Blvd.                    for a license, permit or ID. Driver’s            registered or titled in Nevada must be       strip hotels for free and to and from
                                                                                                                                licenses cost $21.25, $16.25 for 65+.            inspected. This is done at DMV offices.      the LV Convention center for $3.

13           Phil Scheinman 24- Karat Realty          (702) 580-9198                                                                                                                  Phil Scheinman            24-Karat Realty    (702) 580-9198                10
Senior and Community Centers                                                                                      Schools and Education
                                      Henderson Senior Center 565-6990     West Flamingo Seniors  455-7742
Community                              27 East Texas Street                 6255 W. Flamingo Road
                                                                                                                  Pre-K through 12                            to attend school. To enter first grade a    Licensed Day
                                                                                                                                                              child must either attend a state-
& Senior Centers                      Hollywood Recreation     455-0566    Whitney Community Ctr     455-7573     The Clark County School District:           approved kindergarten program or pass       Care Providers
                                       1650 S. Hollywood                    5712 Missouri Ave                     2832 E. Flamingo Rd.                        a development test. All school-age
Arturo Cambeiro 382-6252 ext. 135                                                                                                                                                                         Clark County has more than 500
                                                                                                                    Administrative Office: 799-5011           children must be up to date on all of
 330 North 13th Street                Jewish Community Center 794-0090     Whitney Senior Center    455-7576                                                                                              licensed day care providers; several
                                                                                                                    School Enrollment:     799-6430           their immunizations to enroll in Las
Black Mountain Recreation 267-4070      4794 S Eastern Ave                  5712 E. Missouri Avenue                                                                                                       are licensed for 24 hour care. The
                                                                                                                    Transportation:        799-8100           Vegas area schools. State law requires
  599 Greenway Road                                                                                                                                                                                       state mandates that all centers are
                                      Las Vegas Senior Center 229-6454     Winchester Cultural Center 455-7340                                                immunizations for diphtheria, tetanus,      licensed, post menus and meet mini-
Boulder City Senior Center 293-3320    451 E. Bonanza Road                  3130 S. McLeod Drive                  The Clark County School District, as        whooping cough, and rubella. For more       mum standards established for the pro-
 1001 Arizona Street                  Lieburn Senior Center    486-3320    YMCA of So. Nevada        877-9622     of 2005, is the 5th largest school          information on the appropriate and          tection of children. To enrol a child you
Cambridge Center       455-7169         6230 Garwood Avenue                 4141 Meadows Lane                     district in the United States. It serves    required immunizations contact the          must present current immunization and
 3930 Cambridge Street                MLK Senior Center       647-2536                                            all of Clark County, Nevada, including      Clark County Health Department, 625         a doctor’s certificate stating that the
City Leisure Service    229-6297       2420 N. Martha King Blvd., #B       Senior Services                        the cities of Las Vegas, Henderson,         Shadow Lane, Las Vegas, NV 89127,           child is free of contagious illnesses.
                                                                                                                  North Las Vegas, Boulder City, and          (702) 759-1000 which offers these
 749 Veterans Memorial Drive          Mtn Crest Community      455-1905    AARP Nevada                 898-2426                                                                                           Child Care Referrals
                                                                                                                  Mesquite; plus the census-designated        immunizations free with proof of age.
                                       4701 N. Durango                     Alzheimer’s Association 248-2770                                                                                               Catholic Charities:           735-4358
County Parks & Recreation455-8200                                                                                 places of Laughlin, Blue Diamond,
                                      Mtn View Senior Friends 255-5404     American Cancer Society 798-6877                                                                                               Child Care Licensing:         229-6922
 601 N Pecos Rd
                                       8524 Del Webb Boulevard             American Heart Assoc. 367-1366
                                                                                                                  Logandale, Bunkerville, Goodsprings,        Enrolling                                   SIDS Clark County:            455-3894
Cora Coleman Seniors      455-7617                                                                                Indian Springs, Mount Charleston,
                                                                           Catholic Charities Services 382-0721                                               Children must be 5 years old on or before   Child Care Assoc.:            734-0504
 2100 Bonnie Lane                     N. Las Vegas Recreation 633-1600                                            Moapa, Searchlight, and Sandy Valley.
                                       1638 North Bruce Street             City Senior Programs        229-6454                                               September 30 to enroll in kindergarten.
Derfelt Senior Center  229-6601                                            County Senior Health        383-1331
 3333 W. Washington Avenue            Northwest Senior Center 229-4705
                                                                           County Public Guardian      455-4332
                                                                                                                  Currently Las Vegas has more than           When enrolling your child, you must
                                                                                                                                                              have two forms of proof of your
                                                                                                                                                                                                          Colleges and
                                                                                                                  230 Elementary Schools, 90 Middle
Desert Breeze Center    455-8334
                                       6841 West Lone Mountain Road
                                                                           Dept. Veterans Affairs 800-827-1000    Schools, and 61 High Schools, of            residency (such as a utility bill, rent     Universities
 8275 Spring Mountain Road            Paradise Park/Pool Center 455-7513   Division for Aging Services 486-3545                                               receipt, and/or sales contract), your
                                                                                                                  which 225 are part of the public school                                                 College Southern Nevada: 650-2276
                                        4775 McLeod Drive                  Eldercare Helpline      800-677-1116                                               child’s proof of identity (such as an
Doolittle Senior Center   229-6125                                                                                system. The district is divided into 7                                                      6375 W. Charleston Ave.
                                      Parkdale Community       455-8502    Elder Rights Unit      800-992-0900    Regions and, in addition to the general     original birth certificate, passport, or
 1950 North J Street                                                                                                                                                                                          3200 E. Cheyenne
                                        3200 Ferndale Street               EOB Center                  647-2536   schools, it also operates 25 Alternative    certified birth card) and your child’s          700 College Dr.
Dula Gymnasium         229-6307                                            Foster Grandparents         647-1515                                               immunization records.
                                      Senior Friends           836-3900                                           Schools and Programs including seven
 441 East Bonanza Road                                                     Help of Southern Nevada 369-4357                                                                                               ITT Technical Institute:      558-5404
                                        Event Hotline                                                             magnet programs: performing arts
                                                                           Hollyhock Adult Daycare 382-0093                                                   To expedite the enrollment process and         168 N. Gibson Road
Durango Hills Community 240-9622                                                                                  high school, international studies,
                                      Seniors in Action       644-3881     Jewish family Services      732-0304
 3523 N Durango Drive                                                                                             travel and tourism, math, science and       ensure proper placement, bring all of the   Las Vegas College:         567-1920
                                        2100 S. Maryland Parkway, #3       Meals on Wheels             385-5284   communications and aerospace                following that you have in your                 170 N. Stephanie St., 1st Floor
East L.V. Senior Center 229-1515      Senior Tripsters         387-0007    Medicaid Office             486-1550   technology. The district also has limited   possession:                                 Nevada State College:   992-2000
 250 N. Eastern Avenue                  3101 S. Maryland Parkway, #314     Medicare, State Insurance 486-3478     involvement with Charter schools but,                                                      1125 Nevada State Drive
Equal Opportunity Board 647-2536                                           Business Services 55+       647-4929                                               • School records showing placement in
                                      Sunrise Park/Pool Center 455-7600                                           with the exception of providing some
 2320 N. Martin Luther King Blvd.                                                                                                                               special classes or programs.              University of Phoenix:    638.7279
                                       2240 Linn Lane                      Parkinson’s Foundation      836-1216   bus service, does not have any
                                                                           Salvation Army Day Care 565-8836                                                                                                  7455 Washington Ave., Ste. 301
Green Valley Senior Friend 434-6500                                                                               involvement with the private schools        • A recent report card with the name
                                      Sunrise Senior Friends   387-0007                                                                                                                                      7777 Eastgate Road
 2809 N. Green Valley Parkway                                              SCORE                       388-6104   in the county.                                and address of their former school.
                                        3101 S. Maryland Parkway, #314                                                                                                                                       Nellis Air Force Base Campus
                                                                           Senior Companion Program382-0721
Helen Meyer Community 455-7723        Sunset Park/Pool         455-8225                                                                                       • Your child’s most recent achieve-            7951 Deer Springs Way
                                                                           Senior Law Project          229-6596
 4525 New Forest Drive                 2601 E Sunset Rd                    Senior Protective Services 486-3545
                                                                                                                  Requirements                                  ment test scores.
                                                                                                                                                                                                          University of Nevada, Las Vegas
Henderson Generational 267-5800       Walnut Recreational      456-8402    Senior Tax Releaf      775-687-4826    Children between the ages of 6 and          • Any information about special health      UNLV:                     895-3011
 250 S. Green Valley Parkway           3075 N. Walnut Road                 Social Security Admin. 800-772-1213    17 years are required by Nevada law           conditions.                                  4505 S. Maryland Parkway

11          Phil Scheinman 24- Karat Realty     (702) 580-9198                                                                                                      Phil Scheinman          24-Karat Realty     (702) 580-9198                 12

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