Houses are Free
Achieving the American Dream
By Karl Hlavac
with Jim Hlavac
The best book on
real estate and
achieving the
American dream
ever written.

Available In
April 2009
at
Amazon.com
and all major
book sellers.
Table of Contents
Acknowledgments
Introduction
1. Keep This In Mind
2. Questions You Should
Ask Yourself
3. My First House
4. What's a Closing?
5. Legal Terms
6. Types of Ownership
7. The Brooklyn Disaster
8. Fear of Failure
9. Common Misconceptions
10. Forest Avenue
11. Mortgages
12. Types of Mortgages
13. Elmwood Road
14. Poverty & Wealth
15. My Son's View of Savings
16. My Son's House Odyssey
17. Social Security
and Pension Plans
18. Time Management
19. Udall Street
20. Plan Ahead
21. Taking Charge of Your Life
22. Bellmore Street
23. Money is the Game of Life
24. Quick Starting
25. Heisser Lane
26. What to Look For in an Ad
27. Buying that House
28. Rhode Island Ave
29. Time Line
30. Doing the Work
31. Manatuck Blvd
32. Renting out the House
33. Rental Terms
34. Boca Rio
35. Real Life Monopoly
36. Doom and Gloom
37. SW 18th Court
38. That Dream House
39. Going Green
40. SW 20th Street
41. Other People's Money
42. Types of Insurance
43. Boca Entrada
44. A Little House Math
45. How Much is Your
House Worth?
46. Forest Hills Lane
47. Learning about Money
48. How Did I Keep
Track of it All
49. Gettysburg Road
50. Types of Investments
51. Investment Strategies
52. My North Florida Houses
53. Tax Benefits of Owning
Real Estate
54. Teaching My Daughter
55. Buying A Condo
Conclusion:
Woulda Coulda Shoulda
Don't think Houses are Free? Consider this: if you buy a $100,000 house, and put
down a $10,000 down payment, and pay off $1,000 on the mortgage in one year,
then sell the house one year later for the same $100,000 -- you will get back your
$10,000 down payment and the $1,000 you paid off the mortgage -- And you lived in
that house for free for one year! Amazing isn't it!