Phoenix July 4th Events. Arizona 4th Of July Events

Phoenix July 4th Events. Arizona 4th Of July Events

Celebrate America: 6 p.m. June 29. Celebrate Independence Day with a patriotic concert featuring classic American rock music, and traditional patriotic songs. North Phoenix Baptist Church, 5757 N. Central Ave., Phoenix. Free. 602-707-5757. npbc.org.

Fourth of July Swing Dance Convention: 10 a.m. Thursday and Friday, 9 a.m. Saturday and Sunday, 6 p.m. Wednesday, July 2-6. Twelve swing-dancing workshops and 15 competitions. Featuring $16,000 in prize money and time for social dancing. Arizona Biltmore Resort & Spa, 2400 E. Missouri Ave., Phoenix. $219 weekend hotel and pass; $110 weekend pass; $109 hotel; $15 Gary Jobst Workshop; $10 all other workshops; free social dancing. 800-598-2538. www.usaswingnet.com/phoenix/index.htm.

Light up the Sky: 7-10 p.m. July 3. The event will have rides, games, arts, crafts and fireworks. Maryvale Baseball Park, 3600 N. 51st Ave., Phoenix. Free. 602-262-6575. Map it

Rev, White and Boom: 6-9:30 p.m. July 3. Tour the raceway, enjoy entertainment and watch fireworks. Food, beverages and activities will be available. Phoenix International Raceway, 7602 S. Avondale Blvd., Avondale. Free admission. 623-333-2400. www.avondale.org/events.

West Valley

Magnificent Mondays: 11 a.m.-12:30 p.m. June 30. Age 3 and older work on a Fourth of July project. Foothills Branch Library, 19055 N. 57th Ave., Glendale. Free. 623-930-3830. glendaleaz.com/library.

Independence Day: 6:30 p.m. July 3. Live music, food and activities. Fireworks set for 9:15 p.m. Bring a blanket. Estrella Lakeside Amphitheatre, 10300 S. Estrella Parkway, Goodyear. Free. 623-386-1000. http://www.ci.goodyear.az.us/.

Valley-wide

Fourth of July Jewelry Making: 10 a.m.-6 p.m. July 1. Use red, white and blue beads to make patriotic necklaces. Guadalupe Branch Library, 9241 S. Avenida del Yaqui, Guadalupe. Free. 602-652-3000. http://www.mcldaz.org/.

American Eagle Craft: 10 a.m.-6 p.m. July 2. Make crafts with toilet tissue. Guadalupe Branch Library, 9241 S. Avenida del Yaqui, Guadalupe. Free. 602-652-3000. http://www.mcldaz.org/.

Red, White and Blue Family Parade: 7:15 p.m. July 2. The parade features floats, scooters, bikes, kids and dogs. Paul Mason Sportsplex, 2525 N. Pinal Ave., Casa Grande. Free. 520-421-8677. www.cir.org/seasonal-fourth.html.

Annual Fireworks Celebration: 8:45 p.m. July 3. Watch the fireworks show overlooking the lake. Lake Pleasant Regional Park, 41835 N. Castle Hot Springs Road, Morristown. $5 per vehicle park entry fee; $2 per watercraft. 928-501-1710 or 602-372-7460. www.maricopa.gov/parks/EventsDetailPublishers.aspx?date=7/3/2008&eventID=6422.

Fourth of July Festivities: 6 p.m. Thursday, 7:30 a.m. Friday, July 3-4. Watch a youth talent show, followed by a street dance with the band Train Wreck Thursday. Friday activities include the Pets and People Parade at 7:30 a.m. and entertainment all day long. Fireworks start at dusk at the Paiz/Stone Complex. Veterans Memorial Park, 3105 E. Fry Blvd., Sierra Vista. Free. 520-266-2304. http://www.visitsierravista.com/.

Third of July Fireworks: 6 p.m. July 3. Live entertainment, outside barbecue, drink specials, and prizes. Reservations required, recommended time: 6-9 p.m. For all ages. Fireworks begin at 9 p.m. Harold's Cave Creek Corral, 6895 E. Cave Creek Road, Cave Creek. Free. 480-488-1906. http://www.haroldscorral.com/.

Fourth of July Barbecue: Thursday through Saturday, July 3-5. Barbecue meal to celebrate Independence Day. Reservations required. Call for times. JW Marriott Starr Pass Resort & Spa, 3800 W. Starr Pass Blvd., Tucson. $35; $15 children 10 and under. 520-792-3500. http://www.jwmarriottstarrpass.com/.

July 4-6

Phoenix

Freedom Wireless Fabulous Phoenix Fourth: 6-9:35 p.m. July 4. Kids rides, food court, scheduled events and fireworks at 9:15 p.m. Steele Indian School Park, 300 E. Indian School Road, Phoenix. Free. 602-534-3378. phoenix.gov.

Fourth of July: Friday and Saturday, July 4-5. Featuring poolside activities for kids, spa and golf for adults, and an evening poolside movie of Ratatouille on July 4 and National Treasure: Book of Secrets on July 5. JW Marriott Desert Ridge Resort and Spa, 5350 E. Marriott Drive, Phoenix. $169 per night; for guests only. 480-293-5000. desertridgeresort.com.

Scottsdale

Grand Ol' Fashioned Picnic: 5-7:30 p.m. July 4. Celebrate with old-fashioned games, patriotic arts and crafts, and watermelon, chili and pie-eating contests. Bring your homemade chili to be judged. Scottsdale Stadium, 7408 E. Osborn Road, Scottsdale. Free. 480-312-2771. www.scottsdaleaz.gov/events.asp.

July Fourth Celebration: 5-8 p.m. July 4. Tug-of-war, live music and crafts, watermelon eating contest and more. No fireworks. Eldorado Park, 2311 N. Miller Road, Scottsdale. Free. 480-312-2771.

Independance Day Bounce: 9-11 a.m. July 4. Flags, balloons and bouncing to celebrate the Fourth of July. BounceU, 8970 E. Bahia Drive, Suite 104, Scottsdale. $6.95 for first child; $5.95 for each sibling. 480-502-0210. http://www.bounceu.com/.

Freedom Parade: 8:30 a.m. July 4. Decorate your strollers, bicycles, skateboards, horses, pets, golf carts or wagons and participate in the parade, or go to watch. Mescal Park, 11015 N. 68th St., Scottsdale. Free. 480-991-7955 or 602-570-0303. www.scottsdaleaz.gov/Parks/neighborhood/mescal.asp.

East ValleyCBS5 July Fourth Tempe Town Lake Festival: 4-11 p.m. July 4. Seven hours of live music, inflatable village for all ages, and fireworks. Tempe Town Lake, Rio Salado Parkway and Mill Avenue, Tempe. $6; age 12 and younger are free. 480-350-8625. http://www.tempe4th.com/.

Hot Dog Theme Day: 1-3 p.m. July 4. Get a free hot dog to celebrate Independence Day. Kiwanis Park Wave Pool, 6111 S. All-America Way, Tempe. $6; $3 for age 2-12. 480-350-5740. www.tempe.gov/kiwanis.

Mesa's Fourth of July Celebration: 6 p.m. July 4. Entertainment and kiddie rides ending with fireworks at 9 p.m. Also offers food and drink for purchase. No bags, backpacks, coolers, fanny-packs or alcoholic beverages. Mesa Community College, 1833 W. Southern Ave., Mesa. $5 for parking and admission; $1 for admission if not parking on campus. 480-461-7000. http://www.mc.maricopa.edu/.

Independence Day Celebration and Fireworks Spectacular: 4 p.m. July 4. In addition to fireworks at 9:30 p.m., the event features live music, a kids carnival and a bike parade. Activities include a 35-foot waterslide, 24-foot rock-climbing wall, a dunk tank and water games. Tumbleweed Park, 2250 S. McQueen Road, Chandler. Free. 480-782-2735. http://www.chandleraz.gov/.

Fourth of July Celebration: 5:30 p.m. July 4. Features live music, a cowboy costume contest, a barbecue, decorated buggy rides, face painting and balloon sculpturing. Fireworks start at 9:30 p.m. Rawhide at Wild Horse Pass, 5700 W. North Loop Road, Chandler. $3-$65. 480-753-7676. www.rawhide.com.

Fourth of July Celebration and Anniversary Party: 11 a.m.-11 p.m. July 4. Families enjoy carnival games, prizes every 15 minutes, live music by the Weezul Brothers from 6-10 p.m. and hotdogs and hamburgers grilled outdoors. Benefits The Choir Boys of Arizona. Red, White & Brew, 4850 S. Gilbert Road, Chandler. Free. 480-305-6993. www.rwbaz.com. http://www.azchoirboys.org/.

Miss Chinese Environmental Contest: 4 p.m. July 4. Chinese community celebrates the fourth of July and a Miss Chinese Environmental contest with dinner. Contest begins at 5:30 p.m. Phoenix Preparatory Academy, 735 E. Fillmore St., Phoenix. $6 includes dinner. 602-321-1898.

West Valley

Fourth of July Celebration: 7 p.m. July 4. Celebration includes swimming, water slides, food, music, a patriotic program, a F-16 flyover by a Luke Fighter Squadron and fireworks. Free swimming at GCC pool begins at 1 p.m.; doors open for night events at 6 p.m.; fireworks at 8:40 p.m. Glendale Community College Community Pool, Glendale Community College 6000 W. Olive Ave., Glendale. Free. 623-930-2299. www.glendaleaz.com/events.

All-American Festival: 5-10 p.m. July 4. Kids zone, concessions, two stages of live music, fireworks and water activities. Fireworks begin at 9:15 p.m. No alcohol or glass containers are permitted. Peoria Sports Complex, 16101 N. 83rd Ave., Peoria. $5 for ages 13 and older. 623-773-7198. http://www.peoriaaz.com/specialevents/.

Road Racers 3: 6:30 a.m. July 4. 5K run and walk. Registration required. Rio Vista Community Park, 8866 W. Thunderbird Road, Peoria. $12. 602-954-8341. http://www.arizonaroadracers.com/.

Surprise's Fourth of July Celebration: 6-8:30 p.m. July 4. Enjoy live music, water zone and food. Surprise Recreation Campus, 15850 N. Bullard Ave., Surprise. $5 for children; $10 for adults. 623-266-4500. http://www.surpriseaz.com/.

Fourth of July Celebration: 10 a.m.-10 p.m. July 4. Splash Bash, food, music, F-16 flyover and fireworks. Litchfield Park, 214 W. Wigwam Blvd., Litchfield Park. Small fee for the Splash Bash. 623-935-5033. az-litchfieldpark.civicplus.com/index.asp?NID=106.

Star Spangled Arts and Crafts Booth: 6:30-8 p.m. July 4. Ages 2-12 celebrate the holiday making bug-themed arts and crafts. Goodyear Branch Library, Goodyear City Hall 190 N. Litchfield Road, Goodyear. Free. 602-652-3000. http://www.mcldaz.org/.

Star-Spangled Fourth: 6:30-10 p.m. July 4. Live music from Billy's Gone and Shallow Water. Food, beer garden, kids zone, and water rides. Fireworks at 9:35 p.m. Goodyear Community Park, 3151 N. Litchfield Road, Goodyear. $10 all you can ride kids' wristbands. Event is free. 623-882-7534. http://www.goodyearaz.gov/.

Valley-wide

Fourth of July Buffet: 6:30 a.m.-2 p.m. Friday through Sunday, July 4-6. Brunch features champagne mimosas, eggs Benedict, a waffle station, posole bar and chilequilles. Signature Grill, JW Marriott Starr Pass Resort & Spa 3800 W. Starr Pass Blvd., Tucson. $22; $11 for children. 520-792-3500.

Freedompalooza: 6 p.m. July 4. Event includes two stages with 10 bands, and a barbecue. Club Congress, Hotel Congress 311 E. Congress St., Tucson. $5. 520-622-8848. www.hotelcongress.com/club.

Sidewalk Egg-Fry Competition: noon July 4. Fry two eggs on a piece of aluminum foil on the sidewalk. Various prizes given. The event begins with the Ghostrider Gunfighters and takes place on Route 66. Oatman Chamber of Commerce, P.O. Box 423, Oatman. Free. www.oatmangoldroad.com/events.htm.

Old-Fashioned Fourth: 10 a.m.-noon July 4. Children enjoy games such as cake-walks, sack races, hula hoops, and rubber-duck ring toss. Tubac Presidio State Historic Park, 1 Burruel St., Tubac. Free. 520-398-2704. http://www.tubacaz.com/.

Fourth of July: 4 p.m. July 4. Bring a blanket or chair for a fireworks display. Food and beverage available. Tubac Golf Resort & Spa, 1 Otero Road, Tubac. $65 for VIP ticket, which includes special meal, seating and parking; $5 for parking. 520-398-3522 or 520-398-2704. http://www.tubacaz.com/

July Fourth Celebration: 9 a.m.-9:15 p.m. July 4. Parade starts at Fifth Street to Gila to Seventh Street, which is followed by a water fight at Lions Park. Entertainment and music continues all day with fireworks at 8:45 p.m. Benson, Benson. Free. 520-586-4293. http://www.bensonvisitorcenter.com/.

Fourth of July: 9 a.m. July 4. Coaster races down Tombstone Canyon begins the event. Between heats, the Bisbee Iron- Man Mile footrace starts at the Iron Man statue. A parade at 11 a.m. is in the Warren section. The contest of the traditional mining activities of mucking begins at 2 p.m. and hard-rock drilling at 4 p.m. at Brewery Gulch. Fireworks are at dark at Vista Park in Warren. Bisbee, Bisbee. Free. 520-432-6016. http://www.discoverbisbee.com/.

Fourth of July Softball Tournament: 9 a.m. July 4. Enjoy food and street entertainment after the tournament. Watch fireworks at dusk. Medigovich Field, Mountain View Road north of Arizona 80, Tombstone. Free. 520-457-3994.

Fire Over the Water: 4 p.m. July 4. Information, exhibits, kids activities, souvenirs, and raffle. Rubber duck race begins at 6 p.m. and fireworks at 8:30 p.m. Lyman Lake State Park, 11 miles south of St. Johns on U.S. 191, St. Johns. Free. 928-337-4441. http://www.pr.state.az.us/.

July Fourth Celebration: 10 a.m.-1 p.m. July 4. Clarkdale celebrates its Fourth of July with a parade at 10 a.m., a barbecue at the Verde Valley Railroad station at 11 a.m., and music by a Dixieland band at 12:30 p.m. Clarkdale, $7 for barbecue. 800-320-0718.

Firecracker Express: 1-5 p.m. July 4. Enjoy a patriotic train ride through the Verde Canyon. Verde Canyon Railroad, 300 N. Broadway Road, Clarkdale. $34.95-$79.95. 800-320-0718. http://www.verdecanyonrr.com/.

Rockets Over the River: 9 p.m. July 4. Fireworks over the Colorado River. Best viewing is along the river, south of the Laughlin Bridge. Bullhead City, Free. 702-298-2214. www.bullheadchamber.com/calendar.htm.

Fourth of July Family Day: 10 a.m.-2 p.m. July 4. Activities and games during open swim for all ages. Palm Island Family Aquatics Park, Carr-McNatt Park 1115 N. Brown Ave., Casa Grande. $1; 50 cents for age 17 and younger. 520-421-8650.

Fourth of July Family Day: 5 p.m. July 4. Old-fashioned celebration with food, games and live entertainment. Fireworks at 8 p.m. Paul Mason Sportsplex, 2525 N. Pinal Ave., Casa Grande. Free. 520-421-8677. www.cir.org/seasonal-fourth.html.

Prescott Rodeo Days Fine Arts and Crafts Show: 9 a.m.-5 p.m. Friday through Sunday, July 4-6. Showcases more than 150 artists. On the lawn outside of the courthouse. Courthouse Square, Montezuma and Gurley streets, Prescott. Free. 928-443-5200. http://www.prescottdowntown.com/.

July Fourth at the Fort: 2 p.m. July 4. Event features kids zone, food-eating contests, limbo, and entertainment. Event for all ages, however contest participants must be age 21 and older. Fireworks at 9:45 p.m. Fort McDowell Casino, 10424 N. Fort McDowell Road, Fort McDowell Reservation. Free. 800-THE-FORT or 480-837-1424. http://www.fortmcdowellcasino.com/.

Red, White and Boom: 5-10 p.m. July 4. Fun booths, vendors, food, beer garden, music and fireworks. Old Home Manor Fields, 2100 Old Home Manor Drive, Chino Valley. Free. 928-636-9780. http://www.cv4th.com/.

Freedom Fest: 10 a.m. July 4. Start the day in the pool for open swim and water games before forming teams for the Mud Volleyball tournament. Also participate in the horseshoe tournament, and country-singing contest. A parade will begin at 6:45 p.m. Fireworks start at 8:30 p.m. Heritage Park, 600 N. Main St., Florence. $30 per volleyball team; $10 per horseshoe team; other events free. 520-868-7589. http://www.town.florence.az.us/.

Star-Spangled Spectacular: 6-11 p.m. July 4. Inflatable games, face painting, food, arts and crafts booth, and watermelon-eating contests. Fireworks start at 9 p.m. Ora Mae Harn Park, 13250 N. Lon Adams Road, Marana. Free. 520-382-1950. http://www.marana.com/.

Patagonia's Fourth of July: 11 a.m. July 4. Begin the day with a parade and hanging of Grand Marshall at the Town Gazebo. Also enjoy music, food and vendors in the park. Fireworks start at 8 p.m. at Patagonia High School. Omitted, Free. 888-794-0060. http://www.patagoniaaz.com/.

Independence Day Celebration: 6 p.m. July 4. Includes hot dogs, watermelon, a waterslide and music. Fireworks start with an F-16 flyover at 7:30 p.m. Tolleson Veterans Park, 8601 W. Van Buren Ave., Tolleson. Free. 623-936-7111. http://www.tollesonaz.org/.

Clint Black: 7:30 p.m. July 4. The country singer performs with Amy Scruggs. Held at the Stargazer Pavilion. Doors open at 6 p.m. Cliff Castle Casino, 555 W. Middle Verde Road, Yavapai-Apache Reservation. $35. 928-567-7999. http://www.cliffcastlecasino.net/.

Fourth of July: noon July 4. Dive for soda, candy and money in the pool. Activities include arts and crafts, bouncers, games and a DJ. Food available. Fireworks begin between 9-9:30 p.m. Kenilworth Sports Complex, 671 E. Coolidge Ave., Coolidge. Free. 520-723-4551. http://www.coolidgeaz.com/.

Fourth of July Weekend Side Trip: 10 a.m.-5 p.m. Friday through Sunday, July 4-6. Experience a barbecue with dishes from various nations, including Korea, Spain and Thailand. Served from 11 a.m.-4 p.m. San Dominique Winery, Interstate 17 and Arizona 169, Camp Verde. $6.75; $4.75 for children. 602-549-9787.

Old-Fashioned Fourth: noon-9 p.m. July 4. Food, dunk tank, bouncy house, rock climbing wall and live bands. Fireworks start at dark over Green Valley Lake. Green Valley Park, 600 N. Green Valley Parkway, Payson. Food ranges in price from $1-$5. 928-474-5242, ext. 7. http://www.paysonrimcountry.com/.

July Fourth Block Party: 4 p.m. July 4. Art and antique walk, classic car displays, magician at Deming History Park, food, watermelon eating and seed-spitting contest and carnival games at Presbyterian Church and live bands. Main Street, between Meadow and South Mclane, Payson. Free. http://www.paysonrimcountry.com/.

Celebrate Freedom: 10 a.m.-midnight July 5. Family activities during the day followed by musical performances and fireworks in the evening. Marks the kick-off of the two-month Miller Lite/Harley Davidson anniversary giveaway. Old Tucson Studios, 201 S. Kinney Road, Tucson. $16.95; $10.95 for age 4-11. 520-883-0100. http://www.oldtucson.com/.

All-American Independence Day Festival: 10 a.m.-6 p.m. July 5. Activities include a go-cart rally, an obstacle course, a duck race, a silent auction, a barbecue, face painting and contests. Benefits Firewise East Verde Park. East Verde Park, Arizona 87 and East Verde Turnoff, Payson. Free admission; prices vary for events. 928-474-3883.

Home Prices Fall At Record Rate. Arizona Real Estate

Home Prices Fall At Record Rate

Associated Press: U.S. home prices tumbled in April at the fastest rate since a widely followed index was begun in 2000 with all 20 metropolitan areas surveyed posting annual declines for the first time.

The Standard & Poor's/Case-Shiller home price index of 20 cities fell by 15.3 percent in April versus a year ago, according to Tuesday's report. Prices nationwide are at levels not seen since August 2004.

The narrower 10-city index declined 16.3 percent in April, its biggest decline in its more than two-decade history.

Meanwhile, a report from the Office of Federal Housing Enterprise Oversight said U.S. home prices fell 4.6 percent in April from the same month last year, when the index peaked. That marked the biggest decline ever in the agency's monthly index which dates back to January 1991.

The government index is calculated using mortgage loans of $417,000 or less.

While the government report has shown nationwide price declines, the Case-Shiller index has shown far greater drops because it focuses on larger cities where prices rose further during the boom years, and includes riskier loans.

No surveyed city stayed above water, according to the Case-Shiller index. The last holdout, Charlotte, N.C., finally succumbed to the national housing downturn, with prices there slipping 0.1 percent from a year ago.

Las Vegas and Miami both continue to post the largest declines, falling 26.8 percent and 26.7 percent, respectively.

However, the annual declines in Denver, Dallas and Cleveland were less severe than in the previous month, but Maureen Maitland, a S&P vice president, is reluctant to peg that as an indication of stabilization.

“We wouldn't call a trend on one-month data,” she said.

The report also showed prices in eight metro areas increased in April from March, but the gains could be seasonal blips as the home-buying spring season starts up rather than a sign of a turnaround, Maitland said.

The housing slump, along with higher food and fuel prices and disruptions in the credit markets, has taken its toll on consumer sentiment.

An industry group Tuesday said U.S. consumer confidence fell unexpectedly sharply in June to the fifth-lowest level ever. The Conference Board's reading of consumers' expectations also hit an all-time low.

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Forex Profit Accelerator Training Course. Forex Profit Accelerator From Bill Poulos

The Truth About Forex Profit Accelerator From Bill Poulos

"Discover how to spend as little time as possible actively trading while at the same time maximizing your profit potential..."

Special announcement from Bill: Thanks to everyone who already ordered their copy of the Forex Profit Accelerator during its limited 7-day release. As mentioned prior to the release, the Forex Profit Accelerator is not currently for sale but will be released again July 8, 2008. However, as I am satisfied that my charter group of Forex Profit Accelerator students are well on their way to mastering the course, I will reopen the order page and accept new students. This will be in July 8...I promise!! If you would like to be notified when new copies are available, please enter your name and email when you click this link and I'll add you to my 'Forex Profit Accelerator Notification List'so you'll have the first crack at getting a copy of the Forex Profit Accelerator once it becomes available again to the public on July 8, 2008

Forex trading is quickily becoming one of the investing world's hottest, most rewarding opportunities and it's chosen as "ideal business" by lot of traders. Many of them have indeed achieved their dreams and reach a level of financial independence and freedom. Some of the people even claim forex trading as "The World's Most Powerful Home-based Business".

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The aim is to go after quick hit moves with the trend that are usually 1 to 2 days in duration. The aim of each trade is to take an average of 40 pips up to 100 pips out of the market with strict risk controls.

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The aim is to go after 1 to 3 week swings in the market with the trend. The goal of each trade is to take an average of 300 to 500 pips out of the market with strict risk controls.

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The aim is to go after 1 to 3 week swings in the market with the trend. The goal of each trade is to take an average of 300 to 500 pips out of the market with strict risk controls. This is the same objective as with Pip Maximizer 1 Method, but using an entirely different entry strategy that complements the Pip Maximizer 1 Method entry strategy. Used together, these two methods increase the probability of getting on board major market moves dramatically.

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This counter-trend trading method takes advantage of market divergence. We are going after the initial leg of a countertrend move which may be the beginning of a trend reversal. The aim of each trade is to take an average of 100 to 300 pips out of the market with strict risk controls.

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7 CD-ROM video tutorials that you can watch on your computer to learn all four Forex Profit Accelerator methods step-by-step.

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Foreclosure Firm Scams Arizona Homeowners

Foreclosure 'Rescue' Firm To Pay $1.2 Million To Arizona Victims
Homeowners lost their homes thanks to firm's 'help'

A company offering a foreclosure rescue service in Arizona violated the state's Consumer Fraud Act, an Arizona judge ruled, ordering Virtual Realty Funding Company (VRF) and its owner Kenneth D. Perkins to pay $1.2 million in restitution and civil penalties.

In 2005, the Arizona Attorney General's Office filed a consumer protection lawsuit against VRF after receiving multiple consumer complaints. The company advertised that it could help homeowners who were behind in their mortgage payments avoid losing their homes.

In fact, state said the transactions offered by VRF were structured so that homeowners would transfer title to VRF or sell the home to a business associate of the company.

"This case represents the worst in our community," Arizona Attorney General Terry Goddard said. "This company took advantage of homeowners desperate to save their homes from foreclosure and deceived them into turning over their homes."

"The Department of Financial Institutions applauds this court's order," said DFI Superintendent Felecia Rotellini said. "The message is clear: Obey the law or you will be held responsible."

According to court documents, although neither VRF nor Perkins were licensed by the Department of Financial Institutions as mortgage brokers or bankers, VRF lent money to more than 60 homeowners facing foreclosure or in need of money.

It designed the loans, which it called reverse sales, to evade laws protecting mortgage borrowers by structuring them as an outright sale of the property by the borrower, who then rented back the home with an option to repurchase it.

The reverse sale agreements required homeowners to rent back their homes from VRF for a monthly amount equal to the monthly mortgage payment plus an additional charge. In the case of one homeowner, the monthly mortgage payment was $613 and the additional charge was $157, making a monthly rental payment of $770.

In return for "helping" the homeowners keep their homes, VRF agreed to transfer title back to the homeowner through a warranty deed if the homeowner met specific conditions.

Those conditions included the payment of all rent on time (and prior to a specified date, payment to VRF for bringing the mortgage current), unspecified escrow fees and a "funding fee," which was at times as high as $9,000. If homeowners were late on a rental payment or unable to repay the loan and funding fee within two years, they could lose their homes and any equity in them.

Fun Things To Do In Phoenix AZ That You Did Not Know

Perhaps you've lived long enough to know everything there is to know about the Phoenix area. Watch them feed giraffes at the Phoenix Zoo? Root for the good guys during the shootouts at Rawhide? Wait for more than two hours for dinner at Pizzeria Bianco? Yes, you've been there, done all that.

But even if you've lived here all your life, we've found a few gems you've likely yet to uncover. At a certain upscale steakhouse, for example, you can belly up to the bar at happy hour and enjoy a free filet-mignon sandwich. Or freshen up in a bathroom named one of America's oddest by the Travel Channel, where lights dance along the walls. And when was the last time you took the reins of a mechanical bull?

Use this list to enrich yourself as a Phoenician, or employ it as a travel guide for when your brother-in-law from Wisconsin "drops by" for the 10th year in a row.

1, 245-part harmony

Hear the pure sound of the Phoenix Boys Choir, billed as the largest such group in the nation, with 245 members. The group has sung for presidents, won a Grammy Award and won prizes at international festivals and recorded with such artists as Stevie Wonder, Doc Severinsen and R. Carlos Nakai. The choir performs throughout the year in the Valley at concerts, festivals and churches. Check its Web site, boyschoir.org, or call 602-264-5328 for details on performances.

2, Musical digs

The Valley is home to dozens of concert venues, from the grand (US Airways Center) to the extremely intimate (Brickhouse Theater). The Dodge Theatre is a nice balance, offering enough room to draw top acts (Chicago and the Doobie Brothers perform there Tuesday), but is small enough to feel close to the performers. For a schedule and tickets, visit dodgetheatre.com.

3. Outdoors country

Dance the two-step under the stars to live country music at Greasewood Flat, the no-frills outdoor restaurant and saloon in north Scottsdale. Originally a stagecoach stop, this establishment has been a Valley fixture for more than three decades. 27375 N. Alma School Parkway, 480-585-9430.

4. Shades of blues

Take in a gritty set of blues music at the Rhythm Room, the Valley's best blues club. For 17 years, the cozy venue has served up local and national blues, rockabilly and roots music nightly. The atmosphere is casual, the patrons are friendly and the cover charge is affordable. 1019 E. Indian School Road, Phoenix, 602-265-4842, rhythmroom.com.

5. Old-time saloon tunes

Sing along with country musicians and other patrons at the Rusty Spur Saloon in Old Town Scottsdale. This tiny venue bills itself as the oldest saloon in "the West's most Western town," and it's one of the friendliest. On an average night, you'll find a mix of tourists and locals, all intent on sipping something cold and singing the likes of Willie Nelson, Merle Haggard, George Jones and George Strait. 7245 E. Main St., Scottsdale, 480-425-7787, rustyspursaloon.com.

6. Big sounds, little sites

Sometimes people complain that there's nothing to do in Phoenix. These are people who would say the same thing if they lived in Manhattan, or haven't heard about Modified Arts and the Clubhouse Music Venue, two teeny venues where you can check out cool bands on their way to being hot. They're the kind of places you can see VH1's You Oughta Know artists. They've hosted such bands as the Arcade Fire, Girl Talk, Ingrid Michaelson, Cary Brothers, Blitzen Trapper and other bands you probably already like on satellite radio but never knew their names. Clubhouse Music Venue, 1320 E. Broadway Road, Tempe, 480-968-3238, clubhousemusicvenue.com; Modified Arts, 407 E. Roosevelt St., Phoenix, 602-462-5516, modified.org.

7. Standout stand-up

We're not LA, thank goodness, but we draw the kind of solid comic performers you might see on Sunset Strip, thanks to the Tempe Improv. The club brings nationally known acts (Jerry Seinfeld appeared here when he returned to stand-up after his sitcom ended) and serves dinner to boot. If you've watched stand-up comedy on TV and wondered what's the attraction, take in a live show. That's where the magic happens. Dive into the scene June 27-28 when Cedric the Entertainer performs at the Improv, 930 E. University Drive. Tickets are $45. 480-921-9877, tempeimprov.com.

8. Private karaoke

Indulge your inner Beastie Boy, Billy Joel or Beyoncé in one of four private rooms at the new Geisha A Go Go, a stylish destination for Japanese food and exotic froufrou cocktails. The rentable rooms ($50 to $100 per hour) feature 44-inch flat-screen TVs, their own waitresses, cushy couches and thickly insulated walls. You can bring in your own karaoke disc, or pick from huge books featuring Top 40, standards, rock, hip-hop and everything else. All the signature cocktails feature authentic Japanese sodas, juices or liquors. 7150 E. Sixth Ave., Scottsdale, 480-699-0055.

Must do

9. New Chez Nous

Sample one of Phoenix's best martinis (or a non-alcoholic drink) and hit the dance floor to sweet, old-school soul music at the newly relocated Chez Nous. The venerable lounge, with its notoriously dim lighting, was at another site for more than four decades. Original owner and interior designer Maureen Womack helped current owner Amina Uben decorate the new space, re-creating the gold-flocked wallpaper, picking out swanky new carpet and insisting that the red booths and sconces from the original be refurbished. 915 N.W. Grand Ave., Phoenix, 602-266-7372, cheznouscentral.com.

10. Cactus cocktail

Like Tovrea Castle and Camelback Mountain, some things speak specifically of life in the Valley. But much easier than touring the area, you can just sip a martini at the Westin Kierland Resort & Spa in Phoenix, kind of a gastronomic sightseeing trip. Pink like sunset over the the White Tank Mountains, the Native Arizonan martini ($10) combines Arizona High Spirits prickly-pear vodka and a touch of agave nectar in a chilled glass. The vodka is distilled in Flagstaff. 6902 E. Greenway Parkway, Phoenix, 480-624-1000, kierlandresort.com.

11. Life after Mr. Lucky's

Cadillac Ranch, Saddle Ranch Chop House and Hammerhead Jacks all let you risk your life, or at least your back, on their mechanical bulls. OK, the last place has a modified bull that looks like a hammerhead, but you get the idea. The new Western hot spots are quickly building reputations as places to go to get rowdy. Hammerhead Jacks, 6900 E. Cave Creek Road, Cave Creek, 480-595-7100, hammerheadjacks.com; Cadillac Ranch, at Tempe Marketplace, 2000 E. Rio Salado Parkway, 480-894-1111, cadillacranchtempe.com; Saddle Ranch Chop House, 4321 N. Scottsdale Road, Scottsdale, 480-429-2263, srrestaurants.com.

12. Surprise-ing jazz

You might not know that Surprise is one of the hottest jazz spots in the Valley. Owned by bass player Yorman Williams, who has shared the stage with every high-profile jazz musician you've heard of, Yorman's Bistro offers fab music with unjazzlike promptness at 7 p.m. Thursdays, Fridays and Saturdays.

Williams performs with many talented guests, including George Benson, who occasionally drops by. Try the catfish, freshly breaded cornmeal strips or mussels Mississippi. 17191 N. Litchfield Road, Surprise, 623-214-2090.