index of AnAmerican Principal Residence is the Most Favored Investment on Earth: Maximize Yours
Index
Symbols
$28 48
$180K profit in fixer duplex 48
$250 14, 22, 36, 90, 97
$510 55
$765 55
$250000 of gain per spouse 156
#2 heating oil 83, 106, 122
2% influence upon the value of the
premises 54
2- to 4-unit building 26
5-year battery 136
9/11 94
10% down 30
10 Tenth Avenue in Haddon Heights
63
12-unit apartment building 6, 54, 64,
149
12 volts 121
14 risks of investing in real estate 28
15-year FHA mortgage 128
15-year mortgage 128
16 Harvard avenue 61
16 Harvard Avenue 5, 39, 40, 41, 53,
63, 75
20% Below Market books 8
20% below market value 49
20% Below Market Value 51
20-year mortgage 61
21 or more unit 55
24 volts 121
25 unit 66
25-unit 6
25-unit apartment building 54, 66
25-unit apartment complex 67
27.5 years 97
28 percent of your gross monthly
income 36
30 to 40 years 28
30-year 7, 31, 34, 52, 61, 63, 128
30-year amortization schedule 17
30-year fixed-rate home mortgage 18
30-year fixed-rate mortgage 18
30-year mortgage 128
30-year term 18
30-year Treasurys 18
33-unit 6, 66, 75
33-unit apartment building 54
36-unit apartment building 54, 64
36-unit Greenbriar Apartments 70
37-unit apartment building 6, 75
37-unit apartment complex 143
162
1973 32
2017 Tax Cut and Jobs Act 21
2017 Trump tax 90
A
A++ 124
Aaa 124
AAA 124
AAG 20
AAI 129
AC 121
Acalanes 14
AC appliances 122
accelerator 35
access roads 48
accountant 7
Accredited Advisor in Insurance 129
acquire 22
acquisition 22
acreage limit 24
ACR ResQLink emergency personal
locator beacon 136
active profit strategies 13, 14
Active profit strategy 8
active solar 120, 122
Active solar 119
active strategy 9
actuaries 93
add a wall 50
Adding space underneath the building
48
additional cost of housing 126
Additional income 48
additional insured 143
Additional Living Expenses (ALE)
insurance 126
add value 69
add value by realizing unrealized
potential 48
adequately insured 126
adjustable 20
adjustable-rate mortgage 18
adjusted basis 21, 68
adjusted for inflation 33
Adobe homes 118
adult life 61
advanced math 103
advance-fee loan scam 109
adverse law 27
advertise 76
Advertise 77
Advisory Committee on Intergovernmental
Relations 112
aeration 149
affordability 27
Affordable housing is not impossible.
37-unit building 66, 68
39 years 97
40th birthday 43
40 year 17
§42 U.S.C. 4852d 77
45 Lasalle Drive 106
45 LaSalle Drive 6, 65, 91
49ers 106
49º 135
50% or more of the value of the house
126
50% owner-occupants 55
50% rule 126
60 years old 20
71º 105
80% of the original purchase price
128
80% of the value 127
82nd Airborne Division 61
90% loan-to-value ratio 17
120 Gill Road in Haddonfield 64
137-139 High Street (the main street)
in Mount Holly 149
138 High Street 64
186 134
211 Lakeview Drive 5, 63, 75
220-volt outlet 120
220 volts 121
340 Avondale Avenue 6, 63
342 Bryan Drive 6, 66, 76, 91
360 square feet 98
360-square-foot office 66
400 square feet each 55
401(k) 6, 24
403 24
408 24
426 Euclid Avenue 5, 63
625 feet 91
750-pound gorilla 157
825 feet 91
911 134, 135, 137, 158
1000 Chestnut 91
1000 Chestnut Street 65
1000 Chestnut Street in San Francisco
91
§1031 20
§1031 of the Internal Revenue Code
64
§1031 tax-free exchange 69
1700s 31
1800s 31
1890 31
1940s 32
1945 31
1950s 33, 45
1960s 33, 45
1970s 32, 39
Index 163
It’s illegal 26
Afghanistan 136
after-tax sales proceeds 73
Age 157
agencies, bond-rating 89
Agency for International Development
8
Agent Visual Inspection Disclosure
77
Aggressive Tax Avoidance for Real
Estate Investors 22, 98, 114,
160
Aging and home design 48
Agricultural 90
Air BNB 55
air-conditioner 117, 118
air-conditioners 119, 121
air-conditioning 50, 105, 106, 107,
118, 158
air-conditioning energy 118
Air Force officer 143
Airstream 5
AK 24, 67, 68, 89, 94, 116, 123
Akron 90
Alabama 94
Alamo 6, 66, 91, 103, 106, 137, 149
Alaska 15, 19, 46, 106, 143, 145
Alaska Purchase 31
Alberta 94, 123
Albert Einstein 122
algebra II 103
all cash 54, 74, 75, 80
all electric 119
Allen, Bob 94
alley 141, 149
allowed or allowable 98
All professions are conspiracies
against the laity 82
all risk 94
Allstate 124
alluvial fans 91
alluvial soil 91
Ally Bank 12
Alpine Club 135
Alternate side-of-the-street parking
141
alternating current 120
alternative” investments 43
altisource.com 76
altitude 83, 123, 134
altitude 155 feet 91
aluminum gutters 151
aluminum siding 149
Alzheimers 21
Amazon 127
ambulance chasers 130
amenities 7
Amish 105, 145
amortization 7, 31, 34, 37, 128
Amortization 17, 28
amortization table 34
amortize 7, 33
amortized 109
anachronistic fees 73
Anaheim-Santa Ana-Irvine 57
analog television 133
analytical 80
Anchorage 136
Android 131
annual review 39
annuity 20
another country 136
antenna elevation angle 135
antennas 132
antennaweb.org/results 133
anti-business insurance 124
anti-deficiency-judgments statutes 19
anti-landlord bias 69
anti-new construction 91
antiques 43
anti-redlining 91
anti-satellite dish laws 137
apartment association 110
apartment building 5, 31, 38, 88, 90,
111, 154
apartment buildings 6, 88, 91, 107,
153
apartment complex 58, 64, 68
Apartment tenant 26
AP calculus 103
appeal 109
appeal, formal 109
appeal, informal 109
Apple Computer 69, 70
appointment 77
appraisal 18
Appraisal Institute 42
appraisals 74, 79
appraiser 40, 53
appraisers 89, 110
appraising 47, 59
appreciate 20, 54, 56
appreciation 7, 30, 31, 32, 33, 34, 35,
37, 38, 39, 40, 45, 62, 67, 70,
158
Appreciation 7
appreciation rate 10, 38, 57
aquifer 144
AR 24
area of minimal flood hazard 129
Ariely, Dan 160
Aristotle 42
Arizona 19
Arkansas 80, 106
ARM 18, 129
armed guards 15, 142
Army 5, 8, 35, 39, 40, 53, 56, 61, 62,
75, 84, 88, 91, 106, 118, 131,
134
Army officer 5, 153
around the world 138
art 43
artificial grass 150
Artificial grass 149
asbestos 26, 48, 88
ash 94
Asian 102
as is 82
Asphalt 150
asphalt shingles 148
assault 77
Assembly 47
Assessed value 108
assessment 23, 108, 109, 110, 111,
112
assessment-to-value ratio 109
assessor 111
assessor records 31
assets not denominated in currency
86
Associate in Risk Management 129
assume the loan 128
astrophysics 134
Astroplay 149
Astroturf 149, 150
Atacama plateau in Chile 123
Atherton 71
Atlanta tax appeal firm 111
AT&T 132, 133
attached garage 50
attached garages 67
attic 8, 51, 117
Attic exhaust fan 117
AT&T monopoly 131
AT&T phone 67
attractive nuisance 155
AT&T ringing voltage 134
auction 47
auctions 79
audited 96
Augusta 61, 141
Austin 9
author 43
auto insurance 140
automatic 12
Automatic back-up generator 119
automatic deposits 7
autonomous cars 71, 140
auto-pilot 140
avalanche 92, 95
Avalanche 94
164 How to Protect your Life Savings
Average home price 9
avoiding paying the commission is
not the goal 75
Avoiding tax on sale 22
avoid owing money 86
avoid that risk 92
Avondale 65, 75
Avondale Avenue 41
awning 118
Awnings 118
AZ 31, 87, 123
B
Baby Bells 131
bachelor 61, 62
backhoe 51
back-of-the-lot garage 140
back pack trip 135
backpack trip 135
back test 127
back-up communication 15
Back-up internet 137
back-up phone service 137
back-up power 119
backyard 43
bad foundation 47
bad guys 68
bad mortgage loan 91
bad neighborhood 47, 51, 57, 58, 59
bailed out 86
Bailey Building & Loan 78
balance 39
balance sheet 19, 127
balloon payment 28, 69, 70
Balloon payment 17
Ballwin 59, 60
band 101
bank account 24
banker 84
bank examiner 84
Bank of America 64
bankruptcy 23, 24, 27, 31, 87, 157
Bankruptcy 47
Bankruptcy homestead exemption 29
Bankruptcy homestead exemptions
23
bankruptcy lawyer 23, 24
barbecue 43
bargain 49, 78, 88
bargain price 45, 48, 156
bargain purchase 51, 69
Bargain purchase 47
bargain purchases 8
bark chips 149
barracks 61
bar rail 99
barrier island 146
BART commuter train 71
bartender 61
bartering 46
basement 8
basements 83
Basements 43
basis 21, 98, 115
basketball 101
Bathroom increases value 24.1%? 48
batteries 118, 121, 122, 137
battery 120, 121
Battery back-up 119
Becalmed 39
Beck, John 36
bees 149
Bell Telephone 131
below-market interest rate 18
Belvedere 7
beneficiaries 24
Berkeley 26
Berkeley High School 58
Bermuda 145, 146, 147
Best Buy 132
best fertilizer in the shadow of the
farmer 27
Bestpickreports.com 46
Best Places 106
BestPlaces Comfort Index 153
Best Practices for the Intelligent Real
Estate Investor 28, 160
best time to appeal 112
Better marketing to buyers 48
bib overalls 83
Big Basin 137
Big Basin vacation 136
Big Mac price index 33
Big Macs 33, 34
Big Sur 145
billionaires 7, 71
Binghamton 57
binoculars 83
biology 103
bird poop 145
black students 102
blind 25, 112
blinds 82
blind-side warning 141
blizzard 91
blue region 27
blue state 69
Blue states 106
board of health 52
Board of Health 48
boat 139
boat owners 155
boats 121, 136
Bogle, John 73, 160
bond 42, 69
bonds 6, 18, 23, 25, 27, 38, 43, 87,
110, 158
bonus room 99
book manufacturers 100
bookmarks 89
Book review: Buy it 48
Book review: Fixin’ Ugly Houses For
Money 48
boondocks 58
boots 84
Boston 40, 64, 106
Boston Latin 102
boundary line 83
bowl game 71
brain damage 152
breaking car windows 141
Brick 149
brick-and-mortar 29
Brick work 125
bring down 79
British 30
British Commonwealth 30
broadband cable service 137
Broadway theatrical productions 43
broker 44
brokerage 84
Brooklyn 141
broom-clean 82
brother-in-law 58
Brownsville 146
Bruss, Bob 52
Bryan Drive 6
bubble 33
bucket pulley system 145
budget envelopes 12
builder 75, 76, 82, 125
Builder auctions 47
builder/developer 56
Builder leftovers 47
builders 159
Builders 89
The Builders 103
building code 27, 38, 67, 126
building inspections 83
building inspector 84
building permit 27
Build two houses a year 51
built before 1978 88
built-in book shelves 99
bundling 125
burglary 58
bused 104
business cycle 161
business insurance 124
business purpose 22
Index 165
bussed 104
butterfly effect 60
buyer pays 81
buyers you outbid 76
buying commission 75
C
CA 6, 9, 26, 31, 57, 59, 60, 65, 66,
75, 87, 89, 92, 93, 94, 103,
106, 110, 111, 112, 114, 135,
137
CA and San Ramon 92
cabinet maker 99
cable 132
cable quality picture 133
cable TV 98, 133, 137
cable TV outlets 133
CA CC §1101.4 77
CA CC§1102 77
CA CC §2079 77
CA CC §4525 77
cactus 149
CA H&SC §13113.8b 77
CA H&SC §§13260 to 13263 and
19296 to 17296.2 77
CA H&SC §19211d 77
Cal 102
calcium 146
California 14, 19, 22, 23, 24, 25, 27,
29, 31, 39, 40, 43, 54, 55, 65,
66, 68, 70, 81, 82, 83, 90, 91,
92, 94, 106, 108, 110, 112,
113, 123, 125, 128, 129, 134,
136, 141, 148, 149, 153
California Association of Realtors®
68
California cancellation of MIP 128
California Earthquake Authority 125
California High School 103
California Maritime Academy 59
Californians 145
California State Board of Equalization
112
call for immediate help 136
call them back 77
Camaro 60
Cambodian border 132
Cambridge 64
Camden 8, 10
Camden Catholic 103
Camden County 150
Camouflaged pill boxes 150
Camping stores 146
Campolindo 14
Canada 94, 123, 133
cancellation of MIP 128
cancer 103
Candlestick Park 106
can win but you cannot lose 20
canyon 131, 133, 137
capacity 35
CA PC § 290.46 77
Cape May county 146
Cape May County 146
Capital expenditure 109
capital expenditures 56, 117
capital gain 44, 97
capital gains tax 40
capital gains taxes 114
capital gain tax rate 14, 114
capital improvement 109
car 18, 73
carbon monoxide 119
car break-ins 91
Car break-ins 141
car crashes 140
CA real estate license 75
Caribbean Islands 146
car insurance 79, 125
car policy 125
carry forward your losses 97
CA R&TC §18662 77
cash 27, 30, 37, 44, 46, 47, 51, 52, 87
Cash Flo 64
cash flow 65, 70
cash-out 20
cash-out refi 46
casualty 126
casualty insurance 87
casualty loss 85, 91, 126, 129
casualty risks 94
catchment 146, 147
Catchment 145
Category 4” weather 158
Category 5 hurricane 93
Catholic school 102
Caucasian 102
ceiling insulation 117
cell antennas 135
cell phone 120, 132, 158
cell phone number 78
Cell phones 132
cell phone with camera 84
cell service 131
cell towers 133, 135
Census 67
Census Bureau 38, 62, 108
central air 67
central air-conditioner 143
central-air-conditioner 118
central air-conditioning 117, 119
central air-conditioning system 59
Centralia 88
Central Time Zone 93
centripetal force 134
CenturyLink 137
CERCLA 88
certificate 82
certificate of occupancy 48
certificate of proof of insurance 59
certificates of deposit 87
Certificates of deposit 25
Certified Property Casualty Underwriter
129
Champion Model 100155 9 119
chandelier 82
change of job location 22
changing insurance companies 130
chaos theory 60
Chapter 7 bankruptcy 95
character 35
Charlottesville 58
Charlotte Wood 13
chauffeuring 66
checking 127
Checking 25
checking accounts 87
Checklists for Buying Rental Houses
and Apartment Buildings 58,
81, 83, 84
Checklists for Buying Rental Houses
or Apartment Buildings 139
Cheshire 59
child-care facilities 111
children 16, 110
chimneys 125
China 54
China Basin 106
Chinook chopper 136
chlorine 153
Chocolate Shake 92
Choice 101
chopper medevac insurance coverage
135
chopper rescue 135
circuit breaker panel 120
cisterns 146
civil law 125
Civil War 31
claim 124, 130
claim payment 125
claim record 125
claims 79
claims history 127
clay roof 148
cleaning 51
cleaning it up 87
Clean-Up or Removal 48
clearing 136
clearing the land 47
166 How to Protect your Life Savings
Clear title 48
client’s home 78
climate 40, 43, 105, 158
climate control 43, 105
Clinton 90
close relatives 62
closets 67
Closing costs 81
clothing 43
clout 78, 127
coach 13
coal 106
coastal California 153
Coastal California 107
Coastal Commission 69
code 17, 126
Coffey Park Fire in Santa Rosa 94
co-insurance penalty 125
cold calls 74
cold weather 121
Cold-weather region 141
Coliseum 106
collapse 90
collateral 17, 35
collectibles 43, 87, 156
college 61, 68, 70, 93, 154
College financial aid 25, 29
Collingswood 5, 10, 61, 63, 75
Collingswood High School 103
collisions 140
Collngswood 5
Colorado 88, 94, 128, 157
Columbia 14, 70, 101, 102, 103
Columbia University 9
Comcast 137
Comcast Xfinity 132, 133, 137
COMEX 28
comfort index 106
commercial litigation 43
commercial real estate 23
commercial-size 67
commercial vehicle 139
commission 21, 44, 73, 74, 75, 79, 81
commission is too high 74
commissions 77
commitment 82
commodities 6, 17, 18, 23, 27, 42,
43, 87, 90
commodities exchange 27
commodity 42, 69
commodity speculator 144
common area 56
commo officer 131
community 144, 146
commute 43, 58, 65, 126
commuter railroad station 54
comp 109
compactor 67
Company, A.M. Best 124
comparables 111
comparable sales 111
compass directions 83
Compensation 88
Compensation and Liability Act of
1980 88
competence 28
competition 91
compound interest 13
Comprehensive Environmental Response
88
computer 109
computers 126
computer software expert 70
Concealment or fraud 125
concierge 79
concierge service 78, 127
Concord 93
concrete 148
Concrete 150
concrete drains 92
concrete floor 118
Concrete pavement 56
Concrete pools 155
concrete shingles 148
condemned 52
Condemned property 47
conditions 55
condo 40, 50, 53, 54, 55, 56, 58, 60,
70, 80, 139, 141
Condo 56
Condo and co-op conversion 48
condo-management industry 53
condominiums 54
Condo reconversion 47
condos 54, 57, 67, 88, 91
Conestoga wagons 31
Confederacy 144
Confederate monument 58
conflict of interest 80
Conforming 55
Connecticut 106, 128
constant 7
Constitutional Amendment 65
construction-and-development 28
Construction and Development Real
Estate Investment Trust 90
Construction demand surge 125
construction loan officer 66
Consumer Price Index 86
contaminants 88
contaminated 87, 100
contingent 110
contingent on the sale of their current
home 82
continuing education 76
Contra Costa County 71
Contra Costa County Disclosures and
Disclaimers Advisory 77
contract 77
contract cell phone 133
Contractor estimates 48
controllers 121
conventional 19, 31, 32
conventional market interest rate 63
Conventional OREOs 47
converted into rental or business property
69
converting home to rental 114
converting your home to a rental 22
convert principal residence property
to business or investment 97
convert the property from your home
to a rental property 20
convert the residence to a rental 156
convert to tax-free exchange 97
cooling degree days 105, 106
co-op agents 78
cooperating agents 76
Coors Beer TV commercials 144
copper 151
copper nails 148
copper-wire telephone lines 133
cord cutters 132
Coromandel Peninsula in New Zealand
145
Corporate property 47
corporations 56
Corsicana 6, 50, 64, 65, 66, 68, 75,
143
Corvette 60
Cosmetic renovation of common
areas 48
cosmetic work 49
cost 117
cost effective 47, 88, 154
cost-effective 45, 49, 50, 51, 69, 76,
117, 118, 120, 121, 122, 124,
146
cost-effective changes 8
cost of living 59, 60
cost of operating the pool 155
costs of living 33
cost to own a pool 154
Cottonwoods Apartments 6
could have claimed 98
counterparty 27
counterparty risk 28
Country boy 143
Country Club District 103
county tax assessor 89
courthouse steps 79
Index 167
covenants 55
coveralls 83
covid 19 70, 77, 99, 106
Covid 19 8
covid 19-caused contraction 90
CPCU 129
CPI 86
crab grass 149
craigslist.org 76
crawl space 83
credit 28
credit card 18, 19
credit-card loan 18
credit check 18
crime 39, 59
Crime stats 58
criminal law 125
crops 15
cryptocurrencies 43
CSS form 25
CT 24, 59, 114, 115
Cumberland 57
currency-denominated assets 86
curvature of the earth 132
Customary 82
custom build 66
custom built 66, 76, 99
custom-built house 98
custom-built office 98
cycles 90
D
daily rentals 55
Dakotas 94
Dallas 59, 67, 143
Dallas-Fort Worth 66
Dallas/Ft. Worth, TX 104
Dallas, TX 111
damage 27
damage has been repaired 82
Dan 9, 14, 66
Dartmoth 103
Dartmouth 14, 70, 101
daylight 77
D.C. 55
DC 24, 115
DC appliances 122
DE 103, 114, 116
Deals That Make Sense 160
dean’s list 103
death 56
debt-coverage ratio 36
Decal 139
Decatur 57
Deciduous trees 118
deck 15, 149, 154
deduct home mortgage interest 29
deductible 93, 94, 95, 125, 127
deduct mortgage interest 90
deed 81, 87
Deed 81
deeded it in lieu 31
deeding it to the mortgage lender 87
Deeding property to a lender 68
deed in lieu 31
deed restrictions 55, 120
defaulting borrower 87
defer 112
deferred compensation plan 24
deferred maintenance 52
deficiency judgment 19
deflation 13, 85, 87
Deflation 85
defraud 124
degree days 107
Degree days 105
De La Salle 102
delinquent on their dues 55
Delinquent subdivision mortgages 47
Delinquent tax auction 47
Delta 145
demand deposits 127
de minimis Planned Unit Development
54
De minimis PUD 54, 55
de minimis PUDs 54
Democrat party 71
Democrat politicians 122
Democrat-ruled areas 157
Democrats 91
demolish 99, 155
demolished 67
demolition cost 83
Demolition cost 129
demolitions 67
Denver 65
Denver, John 143
Department of HHS 79
dependent 25
dependents 125
Depository Institutions Deregulation
and Monetary Control Act of
1980 68
depreciated 97
depreciation 21, 30, 31, 32, 97
Depreciation 98
depression 15, 42, 56, 142
Depression 20, 59
depressions 42
Deregulation of savings and loans 68
deregulation of the savings and loan
industry 89
deregulation of the savings-and-loan
industry 67
desalinated water 147
desalination 145, 147
desalinized 144
Desoto 68
DeSoto 6, 31, 66, 67, 68
detached 29, 54
detached-home 54
detached house 56
Detached house 55
detail-oriented 80
Detroit 90
Development 48
Development-ready lots 47
diamonds 43
die 135
Digging for Gold in Your Own Back
Yard 112
Digital 133
digital signals 133
digital TV 133
dioxin 88
dip 86, 90
direct current 120
Direct TV 137
DIRECTV 137
disability 135
disability insurance 125
disabled 23, 25, 71, 110, 112, 157
disabled veteran discount 113
disaster 51, 52
disasters 49
disclosure documents 77
disclosures 54
discount 88, 99, 111
discount-commission 76
Discount Day 73
discounters 76
Discount lien release 47
discounts 23, 110
discovery 124
discriminate against families with
children 26
discrimination 26
DISH TV 137
dispersion 58
Distillation 144
Distressed-owner bargains 47
Distressed Real Estate Times 67, 69,
160
distributor 96
diversify 6
divested of all interest in the property
69
diving boards 155
division of labor 46, 146
divorce 23, 56, 61, 157
168 How to Protect your Life Savings
djdqy.com 32
dollar-denominated asset 13
dollar-denominated debt 13
do not have to qualify 20
dot-matrix printer 98
double-hung 126
double-pane window 126
double-pane windows 126
downhill from a likely slide area 92
down payment 77
downspouts 151
do your own title search 80
drains 149
drapes 82
Driftwood 146
driver 140
drivers license 77
drive-thru window 75
drones 140
drop light 83
drought 92, 144, 150
drug activity 91
drunk driving 140
dry climate 118
dry pack 43
dual-fuel heat pump 119
Dual-fuel portable generator 119
dues 76
dump 88
duplex 5, 6, 22, 25, 26, 32, 35, 39,
40, 41, 49, 53, 54, 61, 62, 63,
67, 69, 70, 75, 111
durastillwatersystems 145
dust 121
dyes 88
E
Earle in Northern NJ 93
Early savings 13
earnest money deposit 77, 82
earthquake 91, 94
earthquake insurance 92
Earthquake insurance 125
earthquake risk 91
earthquakes 91, 92
earth’s rotation 134
easement 120
easements 83
Easements 48
ease of access by firemen 125
Easley, McCaleb, and Stallings, Ltd.
111
East 153
East Bay 6, 92, 153
East Bay suburbs 65
eating the seed corn 8
eat-in kitchen 50, 67
eat it 43
echotecwatermakers 145
economic downturn 85, 90
Economies 38
economies of scale 69, 144
Edmonton 123
education 43
Einstein 13
eject 86
ejection criteria 89, 90
Ejection criteria 13, 86
ElderLawAnswers.com 25
electric 121, 131
electric aluminum smelters 106
electrician 51
electricity 105, 106, 107, 142
electricity reliability 122
electric outlet receptacle tester 84
electric power 134
Electrocution 122
Electromagnetic waves 134
elementary school 59, 102
elevation 146
elevators 71
eliminate their pool 154
Ellis Island 141
Elmira 57
El Paso 118
Elsworthy Ranch 92
emergency 155, 158
emergency call 138
emergency situation 15
employees 6, 28, 94, 127, 157
empty nester 114
empty store shelves 43
end-of-MIP rules 128
endorsements 125
energy conservation 126
energy-conservation device 122
Energy costs 106
energy independent 66
energysage.com 122
Enough 160
Ensenada 136
entertain 156
entire world. 137
entry-level house 9
environmental activists 15
environmentalists 106, 135, 158
Environmental problem property 47
EPA 88
equator 134, 135
equipment 87, 105
equity 20, 24, 25, 29, 31, 33, 35, 36,
37, 38, 39, 43, 46, 67, 74, 87,
98, 112, 115, 157
Equity 34
equity lean 36
equity lean 34, 35, 37, 40
ergonomically correct 99
ERISA 24
Escaping rent control 48
escrow company 81
escrow shortage 111
estate 25
estate tax 24, 98
estate taxes 14, 115
ETF 7
ETFs 43
ethernet 98
Ethics 47
Euclid 65, 75
Europe 123
evacuated 88
evaporate 145
evaporative cooling 118
event parking 141
evict 26, 52
eviction 26
Eviction Book for California 144
exception in the title insurance policy
82
Excess inventory 90
excess savings 35
exchange 20, 22, 27, 28, 43
exchanges 21
exchange value 42, 44
Exchange value 42
exchanging 97
Exchanging 64
exclusions 94
exclusively 96
Execution sales 47
exemption planning 24
exemptions 87
exhaust fan 122
exhaust fans 15
existing homes 67
existing home sale index 32
existing house 15, 148
Existing options 47
expenses 109, 112
Expenses for Business Use of Your
Home 98
experienced teachers 103
expertise 127
expiration date 130
extension cord 83
Exterior shutters 48
exterior walls 50
extort settlements 56
extreme leverage 9
Extreme makeover: Home edition taxIndex
169
able income 48
exurban 132
F
Facebook.com 76
Facebook wall 120
factories 90
FAFSA 25
Fairfield 9
Fair Housing Act 26
fair market rent 43, 97
fair market rental value rent 42
fair market value 19, 42, 74, 78, 97,
115
fair market value on the day you died
21
false alarm 136
false statements 125
Fame 102
family room 67
Family size 10
Fannie Mae 55, 128
farmer 158
farmers 23
Farmers 124
Farmers Home Administration 59
farm home 111
farming 88
farming community 58
farm land 83
Farm land 144
farm town 103
fashion 67
fault location 91
faux pas 137
fax 131
Fayetteville 61
FDIC 40, 64, 65
FDR 31
Federal Communications Commission
137
federal crop insurance 92
federal deposit insurance 92
Federal Emergence Management
Agency 129
federal flood insurance 92
Federal Home Loan Mortgage Corporation
18, 78, 128
federal homestead bankruptcy exemption
31
Federal Housing Administration 18
Federal Housing Finance Agency 32,
57
Federal income taxes 20
federal minimum wage 71
Federal National Mortgage Association
18, 78, 128
federal park land 143
Federal Reserve 38
Federal Reserve Bank of San Francisco
71
Federal Savings and Loan Insurance
Corporation 89
fee 44
fees 109
fee, search 79
fee simple 54
fee-simple 55
fence 66, 155
fence around all backyard pools 152
fencing 15
Fernandina Beach 93
Ferry Building 91
fertilizer 149, 157
fertilizers 88
FHA 9, 17, 19, 20, 28, 31, 36, 38, 54,
55, 59, 63, 82, 90, 127, 128
FHA and VA repos 47
FHA charter 63
FHA termite certificate 82
FHA termite clause 82
FHLMC 31, 55, 69
Fiberglass pools 155
FICO score 35
fidelity 27
Fidelity 81
fidelity risk 56
fiduciary duty 82
Field Turf 149
fighter jet emergencies 86
filters 143, 146
filtration 153
financial aid 64, 70
financial emergency 38
financial historians 42
financial risks 70
financing 157
Financing terms 28
Finding and Buying Your Place in the
Country 143, 160
finish 63
fire 85, 126, 127, 129
Fire 91
fire access 126
fire bad employees 6
firebreaks 54
fire fighter 23
fireman 126
firemen 22, 68, 111
fireproof 79
fireproof roof 148
fire protection 149
fire resistant construction 125
fire resistent 148
fires 148
fire sprinkler 27
fire sprinkler system 125
fire wire 98
First American 81
first home 16
first investment 62
first mortgage 20, 22
first of the month 81
first son 65
first-time home buyer 22
First-time home buyer 17
Fisherman’s Wharf 8, 65
Fitch 124
five-bedroom house 50
five or fewer units 26
five to 20 units 55
five-year 119, 120
five-year payback 117, 118
Five-year payback 129
five-year pay-back period 37
fixed 18, 20
fixed rate 87
fixed-rate 7, 43
Fixed rate 28
Fixed-rate 18
fixed-rate mortgage 7, 31, 128
fixed solar 122
fixer 76
fixers 49
Fixers 5, 8, 49, 51, 122, 150, 160
Fix It 48
fixr.com 154
fix-up 6
FL 24, 72, 75, 93, 129
flammable 148
flare 105
flashlight 84
flat fee 110
Flipping and wholesaling 48
Flipping study 48
floating rate 18
flood 85, 91, 125
flood insurance 91
Flood insurance 129
flood plain 91
floor outlets 98
floorplan 50
Florida 14, 94, 153
fluorescent lights 118
fly-by-wire 140
FM 136
FmHA 59
FM radio encryption device 133
FM radios 131
FNMA 55
170 How to Protect your Life Savings
FNMA/FHLMC limit 74
folding solar panel pairs 119
Folding solar panels 120
food 8, 43, 126
football 9, 14, 70, 71, 89, 102
football team equipment manager 70
Forbes 79
foreclose 16, 49, 56, 57, 87
foreclosure 19, 24, 31, 60, 129
Foreclosure 79
foreclosure auction 31
foreclosure auction buyers 79
Foreclosure auctions 47
foreclosures 9, 89
forest 142
formal dining room 50
formula 37
for sale by owner 79
for-sale-by-owner 76
forsalebyowner.com 76
for sale-by-owner listing 76
For sale by owners 76
for-sale sign 75
Fort Benning 61, 158
Fort Bliss 118
Fort Bragg 61
Fort Gordon 61
Fort Monmouth 61, 62
Fort Myers 93
Fort Worth 6, 31, 66, 67, 68, 75, 111,
129, 153
fossil fuel 122
fossil fuels 106, 119, 120
foundation 17, 50, 83
Foundation bargain 48
fourth bedroom 50
four units or fewer 26
fraudulent conduct 125
fraudulent insurance act 124
Freakonomics study 78
Freddie Mac 55, 128
Freddie Mac Single Family Seller/
Servicer Guide 55
free and clear 7, 46, 62
free-and clear 33
free-and-clear 34, 87
Free-and-clear 30
free antenna TV 137
Free antenna TV 133
Free Application for Federal Student
Aid 25
free broadcast TV 132
free estimate 125
free gifts 74
free out-of-state tuition 71
free safety 102
Free Soil movement 45
free WIFI 132
freeze 91
freeze-dried 43
freeze salt water 146
freezing 119
freezing temperatures 83
fresh water 146
freshwater 146
Fresh water 145
freshwater lake 143
friends 76
front-end fee 109
Frontier 137
frozen pipes 93
FSBO 74, 75
FSBO.com 76
FSLIC 89
fuel 8, 43
Fuel cost 106
full commission 76
full price 75
full-time in RVs 107
full-time writer 65
Fundamentals of Real Estate Finance
38, 55, 122, 160
funding fee 128
furnace 118
furs 126
G
GA 59, 60, 61, 141
gain 156
Gainesville 93
gains 22
gains tax 68, 90
gains taxes 44, 156
galvanized steel 151
game 142
garage 8, 43, 50, 124
garage doors 150
garbage disposal 67
garden 155, 156
gardening 150
Garn-St Germain Depository Institutions
Act of 1982 68
gas 105, 118, 119, 121, 131, 146
gasfirdegdepot.com 105
gas heat 106
gasoline 119
gas-powered refrigerators 145
gearing 30
GEICO 124
Generac 119
general contractor profit 130
generator 118, 119
generator back-up 119
Gentrification flipping 48
geographical location 137
GEOS 136, 137
geosynchronous 134, 135, 136, 137
geosynchronus 134
get-rich-quick 49
get-rich-quick guru 49
ghetto 10, 39, 102
Ghostbusters 133
Giants 106
gift tax 25
Gilman 88
Globalstar 135, 136
Goal Zero solar cells 120
Goal Zero Yeti 6000 X battery pack
119
gold 7, 87
Golden Gate Bridge 71
Golden Hour injuries and illnesses
136
Golden Hour medical emergency 135
gold faucets 7
golf cartable 72
Google search favorites 89
gophers 150
government map 83
government retirement plan 24
GPS 141
GPS coordinates 136
GPS device 83
grad schoo 93
grad school 65
Graffiti 58
Grand Canyon 135
grandchildren 16, 110, 157
granddaughter 71
grandfathered in 126
Grandfathered in 27
grandparents 16
grant deed 82
grantee 81
grantor 81
grass 149
grass lawn 149, 150
grass yard 155
grave and imminent danger 136
gravitational force 134
Great Depression 13, 20, 28, 31, 42,
46, 85
greatschools 103
Great Schools 103
Great Schools website 39
Greenbriar 6
Greenbriar Apartments 50, 65, 143
Greenhouse 99
green space 27, 54, 55
Green Valley Elementary School 103
Index 171
grid fallback 121
grid fallover 121
grid gas 121
grid goes down 119
grid power 121, 134
grid power dependent 137
grid power outage 118
grid-tie solar 122
Grid-tie solar 121
grid-tie solar system 121
gross monthly rent multiplier 70
ground cover 149
ground fault interrupters 121
ground water 147
group ownership 55
growing season 144
grubs 150
guaranteed replacement cost 130
guaranteed replacement-cost 126
guard dog 139
guard service 139
guest rooms 71
guests 153
guns 126
Gutters 151
H
Haddonfield 5, 63
Haddonfield post office 63
Haddon Heights 6
Haddon Township 6, 60, 61, 62
hallways 51
Ham radio 137
Harlingen 60
Harriet Plummer 154
Harvard 25
Harvard Avenue 63
Harvard Avenue duplex 62
Harvard Business School 40, 64, 84
Harvard MBA 64
Hatfield-McCoy-style feud 140
Hawai’i 157
Hawaii 59, 106, 114, 153
Hawaii island 94
Hawai’i paradise 143
Hazardous Substance Account Act 88
hazardous waste sites 88
haz-mat suit 26
health 56
health care 43
health care insurance 125
health club 155
Health insurance companies 79
hearings 109
heart attack 158
heat 106
Heat 105
heat costs 118
heat-exertion injuries 158
heat index 158
heating 50, 105, 107, 158
heating degree days 105
heating oil 119
Heat pump 119
heat waves 91
HECM 19, 20
hedge funds 43
heir 24
heirs 14, 20, 21, 95, 97, 102
Heirs 88
heirs’ basis 97
Hell’s Angels 57
help-wanted ad 80
HGTV 154
HI 24, 57, 92, 115
high altitude 146
high, commission is too 74
high-cost area 55
high-crime neighborhood 58
high electricity rates 107
higher-density housing 91
higher interest rate 85
highest and best use 42
highest electricity rates 106
High homestead-limit states 24
Highland Park 104
high loan-to-value ratio mortgage 52
high-priced areas 157
high-quality tenant 87
high-risk flood area 129
high school 39, 59, 60, 80
high-school 13
high school diploma 80
high school grad 53
high slope 94
high-tax states 90
Hillsborough 71
Hilo 92
hindsight 69
Historical appreciation 31
HOA 55, 88, 137
HOA dues 55, 98
HOA fees 77
Hoey, Alberta 73
holdovers 26
Holly Apartments 75
Home builder 76
home builders 117
Home Equity Conversion Mortgage
19
Home equity loan 22
homeguide.com 154
Home improvement 48
home insurance 79
Home insurance companies 148
homeless encampments 91
Home mortgage interest 21
home office 21, 43, 96, 124
home-office 8
Home office 22
Home office design 98
Home office LOWERS value? 48
homeowner 114
Homeowner exemption 23
homeowners 125
homeowners association 53, 126
Homeowners-association-dues foreclosure
48
Homeowners Guide to Swimming
Pools 155
homeownership percentage 89
homeowners insurance 20, 27, 87,
91, 93, 125, 126
Homeowners insurance 92
homeowners liability insurance 87
homeowners policy 124
homeowners’ policy 94
Homeowners Protection Act 128
homestead 111
Homestead 29
homestead bankruptcy exemptions 31
homesteaders 45
homestead exemption 24
homestead property tax exemption 23
homestead settlers 47
home workplace 97
Hooker Chemical Company 88
Hornets 149
hot 118
hotel 55
Hotspots 132
hot tubs 146
hot water heater 118
hourly compensation 78
House 160
House architecture 48
House-flipping TV shows 48
house rich but cash poor 25
Houses that smell 47
housing starts 89
Houston 137
hovel 47
how much you put down 128
How to Buy A House in California
160
How to Buy Real Estate for at Least
20% Below Market Value 36
How to Buy Real Estate for At Least
20% Below Market Value 160
How to Buy Real Estate For at Least
172 How to Protect your Life Savings
20% Below Market Value 45,
48
How to Buy Real Estate For At Least
20% Below Market Value 47,
79, 88
How To Buy Real Estate for At Least
20% Below Market Value 8
How to Buy Real Estate for Little or
No Money Down 160
How to Do a Delayed Exchange 160
How to Do o Delayed Exchange 22
How to Get Started in Real Estate
Investment 160
How to Increase the Value of Real
Estate 45, 48, 49, 122, 160
How to Increase The Value of Real
Estate 8, 51
How to Manage Residential Property
for Maximum Cash Flow and
Resale Value 62, 160
How To Manage Residential Property
for Maximum Cash Flow and
Resale Value 154
How to Protect Your Life Savings
From Hyperinflation & Depression
13, 20, 44
How to Structure Your Mortgage 160
HPA 128
https://dqydj.com/ 67
https://www.ebayclassifiedsgroup.
com/ 76
Hudson Bay 123
HughesNet 137
human disasters 92
human-driven vehicles 141
humidity 106, 153, 158
Hunt brothers 28
hunter-gatherer 146
Huntersville 142
hurricane 93
hurricane storm surge 146
hurricane storm surges 145
HVAC 50
HVAC repair fees 59
hybrid car 119
Hyde Street Cable Car line 65
hydrocarbons 88
hydroelectric 106
hydrogen gas 122
hydro power 106
hygiene products 8
hyperinflation 15, 43, 44, 56, 142,
158
I
I 680 92
I-680 135
IA 115
ice 121, 158
ice house 142
ice pick 84
ID 57
Idaho 57, 94, 106
IERCC 136, 137
i-hate-swimming-pools 155
III Corps 132
IL 57, 59, 60, 80, 114, 115
illiquid 55
illness 38
immobilier 57
improve 21, 22, 109
improvement 36, 111
improvements 23, 97
Improve tax efficiency 48
Improve the Value of Your Home Up
to $100 48
Inc. 124
incandescents 117
income properties 67
income property 5, 66, 69
income property mortgage 70
income (rental) properties 5
income statement 19, 127
income tax 46, 114
income taxes 112
Income tax law 96
income tax rates 90
Income trajectory 12
incompetence risk 56
incompetent management 27
increases in the income 40
independent solar 122
Indian tribes 83
Indonesia 138
indoor pools 155
indoor swim clubs 155
inducement 125
Industrial Revolution 31, 88
inflation 20, 32, 33, 38, 86
inflation rates 85
infrared strobe 136
inground pool 154, 155
inherit 54
inheritance 21, 36, 39, 93
Inheritance 115
inheritances 40
inheritance tax 114
inheritance taxes 14, 112
Initial Point 137
injury 23
in lieu of foreclosure 68
Inmarsat 135
Inner-city fixers 48
in place 95
inside your home or attached to it 97
inspecting the house 49
inspection checklists 83
In-state tuition 70
Institute for family Studies 61
Institute for Justice 80
Institutional mortgage lenders require
title insurance 80
insulation 50, 67
insurable 94
insurance 27, 36, 43, 59, 98, 112, 157
Insurance 124
insurance application 125
insurance companies 127
insurance company 94, 126, 129
Insurance company financial ratings
124
Insurance consultant 129
insurance policies 92
insurance policy application 124
insure 95
Insuring the uninsurable 92
insurrections 92
intent 21
Intent 21
intentionally concealed 125
interest 98, 112
interest expenses 81
interest only 17
interest rate 17, 18, 35, 36, 38, 69,
128
Interest rate 40
Interest rate premium over the ‘safe’
rate 29
Interest rate variability 28
interference 133
Internal Revenue Code 22
Internal Revenue Code of 1986 67
International Emergency Response
Coordination Center 136, 137
internet 137
Internet 78
internet speed 137
Interstates 140
interview method 98
intra-coastal waterway 146
intramural basketball 70
invasions 92
inventory 66, 87, 124
inverter 121
inverters 121
investment 22
investment income only 22
investment interest 22
iodine 147
ionosphere 138
Index 173
Iowa 19
iPads 83
iPhone 132
IPhones 83
IRA 16, 24
IRA distributions 16
IRC §121 14, 22, 36, 97
IRC §167(a) 97
IRC §168(h)(1) 97
IRC §280A 96, 97
IRC §280A(c)(2) 124
IRC §469 67
IRC §1014 21, 97
IRC§1014(a) 114
IRC §1031 97, 156
IRC §1031 tax-free exchange 114
IRC §1034 exchange 40
IRC §1245(a)(2)(A) 98
ire insurance company 79
Iridium 135, 136, 137
Iridium satellites 135
Iridum 136
Iridum sat phones 136
IRS 44
IRS Form 8829 98
IRS sales 47
Island fever 59
isolation switches 121
Israel 147
itemize 21, 90
itemized federal tax deduction 114
It’s A Wonderful World 78
ivy 149
Ivy League 102
Ivy League college 70
J
Japan 140
Jarvis, Howard 23
Jeff Bezos 127
Jeffersons 37
jello 91
Jersey City 26, 141
Jersey, New 90
Jersey Shore 91
jewelry 77
Jewelry 126
job 156
job loss 23, 35, 38
Journal of Property Tax Management
112
Jr., Henry John Deutschendorf 143
judgment 126
Judgment investing 47
Jumbo mortgage 55
jumbo mortgage limits 55
Juneau AK 123
jungle 136
junior (second) mortgage 128
jury-rigged living facilities 143
just-in-time inventories 90
juvenile delinquent 13
K
K-12 102, 103
Kalamazoo 60
Kansas 104
Kansas City, MO 103, 104
Karl Marx 42
Kauai 146
Kaysville 59, 60
Keep It Simple 122
Kentucky 94, 106
kept it in their portfolio 78
Key West 107, 153
KIA 111
Kickbacks 73
kids 61, 96, 101, 154, 155, 157
Kids 70
kids grow up 66
king 83
King of England 142
Kings Highway in Haddonfield 52
Kinkade, Thomas 48
Kiplinger 60
Kissimmee 93
KISS principle 122
Knapp Creek 142
Koke’e State Part 146
Kuhn, Bowie 24
KY 24, 115
L
labor rate 125
La Jolla 6, 110
lake 91
Lake City 93
lakes 154
Lakeview 75
land 31, 83, 88, 156
land boundaries 137
landfill 88
landing zone 136
landline 131, 135, 137
Landline 133, 158
landlines 137
Landlines 134
landlord 112
Landlording 54, 144
landlords 69, 110
Landlords 87
landlord-tenant law 29
Landmark Home Warranty 75
landscaping 15, 66, 148
Landscaping 149
landslide 56, 91
landslides 94
land use regulation 57
land-use regulation 27, 89, 90
land-use regulations 69
land-use rules 157
lantern 120
laptop 120, 121, 137
larger down payments 86
large rooms 50
larger-than-average rooms 51
LaSalle drive 68
LaSalle Drive 66, 75
Las Brisas 75
Las Brisas Apartments 6
Las Lomas 14
late penalty 26
latitude 83, 123, 135
latitude North 37.85º 135
latitude North (or South) 0º 135
law and order 71
lawsuit 92
lawsuits 6, 139
lawyer 81, 143
laziness risk 56
lead acid batteries 122
Lead-Based Paint And Lead-Based
Paint Hazards Disclosure
Acknowledgment and Addendum
77
lead paint 48, 88
leaf blowing 149
leaking underground heating oil tank
48
lease option 112
leaves 153
LEDs 118
Leesburg 93
legal newspaper 47
lemons 146
leper properties 48
leper property 36
lessee/optionee 112
Lessons learned from renovations 48
Less than full-service broker 76
letter of commendation 96
Let the buyer do it 48
level 83
leverage 7, 18, 127
Leverage 7
Levitt, Steven 78
Lexus four door 71
Lexus LC 500 141
Lexus LS 500 141
174 How to Protect your Life Savings
Lexus sports coupe 71
liability 127, 143
liability insurance 87
Liability insurance 125, 154
liberal 58
libertarian 116, 117
Liberty Mutual 124
Libraries 108
library 101
license 84, 137
licensed 80
licensed real estate agent 61
license title examiners 80
licensing course 62
lie 124
liens 79, 80
Life and remainder estates 47
Life Below Zero 143
life change 21
life estate 20, 25, 29
Life estate 29
life guard 153
lifeguard duty 152
lifeguards 154
life insurance 92, 125
lifelines 132
life tenant 25
lifetime cap 18
lifetime ceiling 18
light meter 84
lightning 94
Limbaugh, Rush 97
line of credit 20
line of sight 131
liquefaction 91
liquid 92
liquid cash 127
liquidity 46, 85, 103
Liquidity 59
liquid real estate 55
lister bags 118
listing agent 78
listing commission 13, 75, 76
listings 74
litigation 28, 54, 85, 94, 124, 125
Litigation 87
litigation-risk avoidance technique 94
Little Ivy League 102
live in it 43
livestock 15, 46
Living off the grid 121
Living together 63
load factor 51
loan constant 34
loan constant. 19
Loan constant 18, 29
loan documents 18
loan-to-value 36
loan-to value ratio 39
loan-to-value ratio 9, 17, 20, 31, 34,
35, 36, 37, 38, 46, 128
Loan-to-value ratio 28
local building material 118
local investors 76
local tax advantage 22
location 7, 63, 66, 156
Location 57
locked private garage 141
lodgers 26
Long Beach 106
Long Branch 62, 150
Long Island 7
longitude 83, 134, 135
long-shelf food 43
Long-term care 29
long-term lease 87
look angle 135
Los Angeles 23, 26, 106
Los Cerros 13
Los Cerros Middle School 103
loss 22, 87
loss above the policy limit 127
Loss assessment 126
loss, casualty 27
loss is limited 31
Loss of use 126
lot 51, 76, 93, 98
lot size 156
Louisiana 106
Louisiana Purchase 31
Love Canal 88
low deductibles 127
low earth orbit 134
low-earth orbit 136, 137
Low-earth orbit 134
Lowell High School 102
Lower Your Real Estate Taxes 112
lowest electricity rates 106
low income 111
low-income 19
low-income buyer 22
low loan-to-value ratio 38
Low-maintenance landscaping 149
low-priced electricity areas 119
low probability 93
low-value house 111
Low-water 149
LTE band 13 131
LTE Discovery app 131
L-T-V 34
L-T-V ratio 35
Lucille’s drapes 48
lumberyard 58, 143
lump 128
lump sum 20
LZ 136
M
MA 24, 26, 64, 75, 98, 115
made whole 126
Madison 75
M.A.I. 42
mailbox 66
Maine 106
maintain 20, 25, 56
major 101
major property owner 110
make you whole 27
Making improvements on property
already owned by an affiliate
or party related to the exchanger
48
management company 56
mandates 119, 120
mandatory dues 55
Manhattan 9, 62, 70
man-made disasters 94
man-made fill 91
man’s home is his castle 16
manufacturers’ warranties 140
manufacturing 88
Marcus & Millichap 75
Mare Island Naval Shipyard 59
margin 7, 28
Margin call 17, 28
Margin loan 17
Marin County 71
Marines 58
market value 108
marketwide appreciation 45, 47
marketwide home appreciation 157
Marriage 64
married 70, 84, 96, 157
Martians 10
Marvin Poer and Company 111
Marxist 26
Maryland 128
masochistic 105
Mason jars 142
masonry 15
masonry house 149
Massachusetts 14, 23, 106, 128
Massachusetts code 51
mass transit 141
Masters Tournament 141
master-suite addition 122
master suites 67
matching funds 27
material fact 124, 125
materially false information 124
Index 175
maximize after-tax income and aftertax
equity 98
maximize net 73
maximize your principal residence
equity 73
Maximizing net after-tax sale proceeds
75
maximizing your net after-tax sale
proceeds 80
Mayer, Martin 103
Mayor Deblasio 102
MBA 64
MCI 134
MD 115, 136
MD-WV 57
ME 115
mean daily temperature 105
Mean daily temperature 105
measuring device 84
meat 144
median existing home price 32, 40,
63, 67
median existing home prices 57
median home price 45, 53, 66, 67
Median home price 32, 103
median home sale price 77
median home value 114
median rent 70
Medicaid 25
Medicaid eligibility 29
Medicaid estate recovery 25
Medicaid planning 25
Medi-Cal 25
medical expenses 23
medicine 8, 43
Megan’s Law Database Disclosure 77
Member of the Appraisal Institute 42
Memphis 60
metal 148
metal casement windows 126
metals 88
metal shingles 148
methodical 80
Mexico 31, 136
MI 24, 60
MIA 111
micro climate 150
Microsoft’s AAA bond 18
microwave 67
microwave radio 133
Middle Atlantic 158
middleman 44
middle school 13
Midwest 57, 153
migratory 107
Mike 66, 70
mild climate 118, 119, 158
milder climate 159
mild weather. 93
military base 90
military brat 143
military coups 92
military radios 136
Milton 59, 60
Mimic local agents 76
mines 88
minimum management fees 73
minimum payment 19
minimum taxable transactions 73
mining 90
Mining 88
Minneapolis 158
Minnehaha Springs 142
Minnesota 19, 128
MIP 38, 39, 128, 129
Miramonte 13, 14, 102, 103
Miramonte High School 103
Mismanaged states 114
misrepresented 125
Mississippi 106
Missouri 88, 94, 104, 128
misters 118
MIT 25
MN 24, 26, 114, 115
MO 59, 60, 112
mobilehome park 144
mobilehomes 29
mobile phone 131, 132
modem 132, 137
moisture 155
moles 150
money lying on the table 51
Moneyunder30.com 36
Monmouth County 62
monocrystalline 120
monopoly 133
Montana 19, 57, 94
Monte Vista 14
Monte Vista High School 103
monument 83
Moody’s 124
Moorpark 59, 60
Moraga 6, 75, 91, 106, 149
More appropriate size 48
More stigmatized properties 48
More valuable tenants 48
Mormon food 43
Morse code 133
mortgage 16, 33
mortgage balance 68
mortgage business 62, 73
mortgage finance 84
mortgage insurance 38, 81, 128
Mortgage insurance 127
mortgage insurance premium 38, 128
mortgage interest rate 129
mortgage lender. 18
Mortgage lender 127
mortgage lenders 127
mortgage lenders are the root of all
transaction costs 73
mortgages 31
mortgage statement 108
Mortgage term 17
Mortgage terms 69
most cost-effective improvements 48
motels 144
motivation 28
motor vehicle 25
Mountain House 43
Mountain region 57
Mount Diablo 137
Mount Holly 64
Mount St. Helens in Washington State
94
move 84
move around a lot 62
move a wall 50
Move the building 48
move up 157
movie/TV industry 153
moving 62
moving expenses 84
moving in with a romantic partner 36
moving up too soon 129
moving walls 51
Movin’ on up 37
mow-and-blow guy 149
Mpbs 137
MT 114
Mt. Holly 6, 64
Muddle through 70
mud slide 91
Muir Woods 137
Muir Woods. 136
multi-crystalline 120
multifamily building 76
multi fuel 122
Multi-Housing News 111
multimillionaire 17
multiple-effect distillation 146
multiple fuels 106
multiplier 30, 37, 38
multiplies return 86
multi-skilled 46
multistage flash distillation 146
municipality tax breaks 23
municipal pools 154
Municipal zoning 90
murder 58
Music 101
176 How to Protect your Life Savings
mutual fund 73
N
Name or address change 48
Naples 14, 93, 129
National Apartment Association 117,
143
National Association of Home Builders
38
National Association of Realtor®’ 74
National Association of Realtors® 9,
10, 32, 57, 65
National Bureau of Economic Research
90, 161
National Bureau of Standards 117
national debt 18
national economic downturn 90
national financial emergency 142
National Flood Insurance Program 92
National Flood Insurance Program
communities 129
national price index 32
National Real Estate Investor 111
National tax appeal firm 111
National Weather Service 158
native Americans 118
native plants 149
natural disaster hazards 91, 93
natural gas 88, 105, 106, 119, 120,
122, 145
natural gas air-conditioning 105
natural gas grid 120
natural gas refrigerators 105
natural hazard disclosure statement
91
Nature of the deed 82
NBER 161
NC 61
NE 115
Nebraska 80
necessities 43, 46
Necessities 43
Negative amortization 20
negative appreciation 13
negative cash flow 65, 68, 69
negative general inflation 85
negative home price appreciation 89
negative years 33
negligence 27
negligent supervision of lenders 89
negotiate 80
Neighborhood Scout 59, 60
net equity 36, 39
net income 70, 97
net present value deviation 42
net proceeds 79
net sale price 97
net sale proceeds 74
net sales proceeds after the commission
79
Network Cell Info Lite 131
net worth 6, 36, 38, 40, 87, 127
Nevada 106, 137
New Deal 31
New England 106, 158
New Hampshire 106
New Haven 58
new home 6, 15, 67, 123
new homes 67
New Jersey 24, 106, 108, 109
newly built home 27
New Mexico 19, 118
NewRetirement.com 6
New York 88, 90, 106, 128
New York City 70, 90, 102, 106, 146
New Zealand 145
NFIP 129
NH 24, 26, 114
Niagara Falls 88
nice days 106
Nichols, Miller 103
Nickerson formula lives 48
Nickerson, William 5, 50
NIMBY 89
NIMBYism 26, 29, 33
Nixon 70
NJ 5, 6, 8, 10, 13, 14, 24, 26, 39, 40,
52, 53, 60, 61, 62, 63, 64, 70,
75, 82, 93, 103, 114, 115, 139,
140, 141, 146, 147, 149, 150
NM 24
NOAA 136
no assets 95
no bugs 82
no change 33, 96
no-contract mobile phone 132
No-contract mobile phone 132
no control 55
no income tax 93
no inheritance tax 93
noise 133
noisy 119
Nolo 24
NOMINAL value 33
no money down 32
no-money down 128
non-conforming 55
non-conforming house 74
non-conforming use 126
nonconforming use 27
Non-home insurance 125
Non-judicial 19
non-judicial foreclosure 19
non-jumbo loan 55
non-profit organizations 111
non-recourse 19, 20, 31, 68, 87
nonrecourse 31
non-reportable asset 25
non-residential 97
non-residential building 19
non-residential tenants 55
no payments 20
no prepayment penalties 128
no right to walk away 87
normal living expenses 127
North Carolina 19
North Coast Section 102
North Dakota 19
Northeast 9, 57, 105, 144
northern AZ 123
Northern California 57, 92, 137, 143,
150
north side 137
North Vietnam 133
Northwest 106
Northwestern University 75
no sales tax 107
no-sales-tax-state 14
no school-age kids 102
no state income tax 14
not Chocolate Cake 92
not eligible for FNMA or FHLMC
financing 54
nothing down 9
Nothing Down 94
not indexed 90
Not In My Back Yard 27
not personally liable 19
not symmetrical 30
not your problems 56
no utility 121
NSA 32
nuclear 106
nuclear explosions 147
nuclear power 122
nuclear-powered desalination plants
147
nuclear power plant 120
Nui Ba Den 131, 132
numbered parking spaces 139
nurse 111
NY 24, 57, 114, 115
O
Oakland 59, 106
Oakland Athletics 106
Oakland Raiders 106
obsolescence 85
Ocala 93
Index 177
Occidental Chemical Corporation 88
occupancy permit 47, 51, 52
Occupy Movement 91
ocean 154
ocean coming ashore 91
October 1929 31
off campus 65
Off-campus fixers 48
off grid 15
office 43, 65, 66, 71
Office of Federal Housing Enterprise
Oversight 67
off-street parking 141
Off the grid 143
off-the-grid appliances 121
OFHEO 67
OH 10, 80
OHPA 57
oil 88, 90, 106, 116
oil change 119
oil furnace 83
oil glut 67, 68, 89
oil storage tanks 83
OK 67, 68, 80, 89
Oklahoma 31, 80, 88, 106
old IRC§1034 90
Old Republic 81
on-campus housing 65
once-per-lifetime-per-taxpayer deal
16
one-action law 87
one-action rule 31
One-action rule 19
one-bedroom 50
one-bedroom house 50
One-bedroom house 50
one-bedroom unit 65
one-industry town 90
One investor’s career 48
one- to four-unit building 19
online tax service 108
on-site generator 122
on-the-job 80
operating 81
operating cost 117
operating expenses 65
opioids 58
optimal age to marry 61
optimal azimuth 121
OR 24, 94, 114, 115
Oracle Park 106
orbit equation 134
ordinance/law” endorsement 126
Ordinance/law rider 27
ordinary and necessary expenses of a
business or investment 22
ordinary income 14
Ordnance/Law 126
Oregon 19, 107
OREO 89
organic chemistry 103
origination fee 18
Orlando 93
Other Real Estate Owned 89
ounce of avoidance is worth a pound
of paying premiums and filing
insurance claims 94
Our Town 143
Out-of-county land owners 47
out-of-state sales taxes 14
Out-of-state tuition 70
Out of the Army 62
Over-55 fixers 48
over age 55 110
overall state tax burden 14
Over- and under-estimating 48
over-assessments 109
overbuilding 69, 85, 88, 89, 90
Overbuilding 88
overhead 127, 130
overreacts 88
owe money that is denominated in
currency 86
owing money 87
owner occupant 63
owner-occupant 61
owner occupied 38
owner-occupied 19, 26
owner-occupied home 18
Owner-occupied rental properties 29
Owner-occupied rental property 25
owner occupier 67
ownership of more than one unit 55
owners’s title insurance policy 80
Owner unknown 47
P
PA 24, 115
Pacheco Boulevard in Martinez 92
Pacific Bell 133
Pacific coast 106
Pacific Heights 102
Pacific Ocean 106
Pacific Stock Exchange 28
pack rat 84
pagers 134
Palatka 93
Palo Alto 7, 71
panic 28
paper 8
paper gain 8
Paperwork 81
parachuting school 61
paradise 146
Paraguay 138
parents 16
Paris 75
Parking 15
Parking And Storage Disclosure 77
Parking on the lawn 139
park on the street overnight 140
parochial 13
parties 43
partnerships 56
part-time job 70
passive 13, 45
passive loss limits 69
passive-loss-limits 67
passive solar 118, 122
Passive solar 118
password 132
patience-of-Job 150
patio 43, 66, 155
pavement 15, 148
Pavement 150
pay-back 122
pay-back period 120, 122
payback period 50, 118, 119, 148
payback periods 117
payoff statement 81
peak earnings years 114
Pella 126
penalty 127, 130
Peninsula 71
Pennsylvania 88, 94
pension 57, 127, 156
pensions 46, 56, 114
Pensions 24
percentage of sale price 74
Perfect Financial Storm 66, 67
perfumes 88
permanent roof 15
permit 27, 89
permits 89
perpendicular to the suns rays 121
personal articles floater 125, 126
personal information 77
personal liability 18, 28, 31
Personal liability 19
Personal locator beacon 136
personally liable 69, 81
personally owned vehicle 139
personal property 24, 82
personal property coverage 126
personal property tax 108, 109
pesticide 149
pesticides 88
pestilence 144, 150
pet boarding costs 126
PG&E 134
178 How to Protect your Life Savings
phantom gain 69
phantom gains 69
Philadelphia 8, 39, 64, 103
Phillips screw driver 84
Phil Mickelson 14
phone 131
Photograph 77
Picher 88
Piedmont 14
pilot’s pre-flight checklist 58
Pine Valley 13
Pine Valley Middle School 103
pipelines 105
platoon leader 61
playground 155
playing catch 43
PLB 136, 137
PMI 9, 36, 128
Pocahontas County 46
Pocketsense 57
Point Roberts 146
points 63
polar orbits 136
police 23, 110
police and fire scanners 129
policemen 22
policy limit 87
policy limits 91
political give-aways 92
political incorrectness 102
political risk 67, 85
Political risk 90
politicians 23, 26, 28, 33, 38, 158
politicized 122
polycrystalline 120
Ponds 154
pool 7, 15, 63, 66, 99, 150
pools 92, 146
pool service 153
poor 132
poor heath 22
poor people 127
portable 9KW generator 137
Portable battery pack 119
portable gas-powered generators 120
Portable hotspots 132
portable solar 122
positive cash flow 68
postponed 79
potholes 141
POV 139
poverty 60
poverty line 60
power-grid shut-down 137
power lines 119
power outage 119, 120, 158
power-outage backup 134
power outages 117, 122, 131, 136,
137
Power outages 121
Power Wall 119, 120
preferring grid power 121
prefers solar 121
pre-foreclosure 49
Pre-foreclosures 47
premium 127
premiums 127, 130
prepaid 132
prepare my own deed 81
prepay 132
prepayment penalty 18
Preppers 15
pre-qualified 77, 82
prescription drugs 77
pressure cooker 146
price controls 43
price controls on selling houses 26
Primalsurvivor.net 46, 144
Princeton 25
principal place of business 96
Privacy 50
Private college 25
private equity 43
private mortgage insurance 32, 38,
127
Private mortgage insurance 128
private pool clubs 154
private school 13, 101, 102
private WIFI 132
proactive 51, 69
probate 25
Probate 47
Professional sign 78
professional tax appealer 110
Profile of Home Buyers and Sellers
74
profit 127
Profit 48
Profitable pre-sale fix-up 48
Profitable renovation 48
profit is unlimited 31
Profit opportunities in bad foundations
48
pro golfers 14
Program, National Flood Insurance
92
Progressive 124
Prop 8 110
Prop 13 23, 24, 29, 70, 112
Prop 19 23
Prop 60 110
Prop 90 110
propane 105, 119, 120, 121, 122, 146
propane tank 119
Property-improvement loans 48
property insurance 81
property management 84
Property management 84
property manager 53, 54, 56, 62, 63,
84, 110, 111
property ta 42
property tax 20, 29, 31, 36, 43, 108,
109, 108
Property tax 23, 112
property tax assessment 89
property taxes 81, 90, 98, 114
Property-wanted ads 47
Proposition 2 1/2 23
Proposition 13 22, 110, 112
Proposition 58 110
Proposition 193 110
pro-ratio penalty 125
Public adjuster 129
public elementary school 13
public garage 141
public Ivies 102
public liability insurance 58
public school 58, 66
Public school 13
Public school districts 101
publisher 96
purchase agreement 81, 82
purchase-money 19, 31
purchasing power 33, 44, 85, 86
purify 145, 146
purify the water 143
purple heart wound 128
put less than 20% down 81
Q
quadruple electrical outlet 99
Quakers 103
qualified 77
Qualified Personal Residence Trust
24
qualify 76
quality of life 146
quasi-life estate 20
quick-sale value 42
Quillayute 123
Quinn, Jane Bryant 60
Quinn, Jane Byant 12
quitclaim deed 82
R
R-38 117
R-60 117
Raccoons 150
racket 79
radar cruise control 141
Index 179
radio 61
radio, HF 137
Railroads 31
rain 144, 158
rain forest 136
rain-forest 137, 145
rainwater 145, 147
Raise rent to market value 48
RAM 19, 20, 28, 29, 31, 46
Ramsey, Dave 56
ranger school 61
ranger school. 158
rare coins 156
Readers Digest New Complete Do-It-
Yourself Manual 160
Reagan 89
Reagan, Ronald 28
Reagan, Ronald and Nancy 50
real (adjusted for inflation) cost 120
real equity 34
real estate 87
real estate agent 10, 62, 84
real estate attorney 110
real estate broker 110
real estate brokerage 108
real estate brokers 82
real estate columnist 52
real estate developers 65
Real Estate Finance Techniques 160
real estate funds 43
Real Estate Investment Strategy 160
Real Estate Investment Trusts 28
real estate investors association publication
76
real estate investors meeting 76
Real Estate Investor’s Monthly 117
real estate license 13, 76
real estate salesman 51
real estate salesman’s license 62
real estate securities 157
Real Estate Settlement Procedures
Act 73
real-estate-settlement service 73
Real estate taxes 112
Real Estate Transfer Disclosure Statement
77
real fair market value 79
real numbers 33
Realtor® 73, 75, 78, 81
Realtor®.com 51, 155
Realtor® price statistics 32
Realtor® sales price 74
Realtor.com 78
Realtors® 54, 64, 66, 74, 78, 79
real value 33
reasons-to-fill-in-a-pool 155
reassessed 111
reassessment 108, 112
rebalance 36, 39
rebalancing 9, 40
rebellions 85
rebuild 125, 126
recapture 97
receivership 17
receptacle tester 83
recession 20, 38, 42, 65, 89, 161
Recessions 90
recourse 31, 69
recovery 161
recurring 81
Redfin 39, 63, 74, 78, 79
red flag 96
red-neck carpet 150
red region 27
red tide 146
Reduce the load factor 48
Reduce verifiable expenses 48
redundancy 117, 142
redundant capabilities 122
Reed, John 78
Reed, John T. 160
Reed’s Rules of Real Estate Finance
55, 122
referendum 23, 65
referral of business 73
refi costs 129
refinance 56
refinancing 22, 37, 129
Refinancing 128
Refinancing interest 22
refinancings 19
refrigerator 119, 145
refuse to inherit 88
regimen 155
regional freeze 93
regional price variations 9
Regional price variations 9, 57
regression to the mean 57
regular homeowners policy 93
regulated 157
Regulatory loopholes 47
Rehab pay-back survey 48
REIT 157
relationships with local lenders 78
relatives 76, 97
released from liability 128
reliability 142
Reliability 122
reliability of the electric power grid
120
remainder estate 25
remainderman 25
Remodeling magazine 15
Remodeling Magazine 50
Remove and clean 51
Remove and don’t replace 48
Remove and Don’t Replace 150
removing 154
removing the pool 154
renewable energy sources 122
renewal fees 76
renovate 27
renovation 122, 126
Renovation 48
rent 154
rental 19, 21, 22
rental apartment building 53
rental apartments 139
rental house 62, 67
rental houses 127
rental properties 31, 67, 156
rental property 20, 62, 63, 87, 97
rental real estate 27, 43
rentals 55
rental units 40, 64
rental value 42
rent control 26, 44, 65, 69, 70, 90
rent-control 62
Rent control 90
rented room 96
rent free 20
rent-free 28
renting a room 26
renting out a room 22
renting out part of home 22
Renting out rooms 97
rent not paid 42
rent out a room 25
rents would go down 65
repairmen 58
repairs 98
Replacement 126
Replacement cost 125
replacement home 110
Replacing carpet as a value increaser
48
repossessing 17
reputation 28
resale 75
resale value 102
rescuers 136, 138
reserves 55
residential rental properties 112
Resolution Trust Corporation 89
resort 159
restore 126
restore cars 99
resurface 155
resurface the pool 153
retire 14
retired 107, 114
180 How to Protect your Life Savings
Retired 46
retiree 114
retirees 6
retirement 71
retirement account 38
retirement fund 24
retrofit 123, 126
retrofitted 27
return on equity 7, 30, 34, 38
Return on equity 30
return on that equity 35
return on your investment 30
reverse annuity mortgage 20
Reverse Annuity Mortgage 19
reverse osmosis 144
Revisiting Nickerson’s advice in 2006
48
Revolutionary War 31, 46, 52, 142
revolutions 85, 92
Rheem 106
Rhode Island 106
RI 24, 115
Ricardo, David 42
Rickets 146
Riders 125
right of way 82
Right of way over another’s property
140
Rights of redemption 47
ringer 134
Rinnai 118
Rio Grande River 60
riots 85, 92
risk 6, 23, 27, 29, 31, 36, 38, 56, 61,
85, 128
risk management 124
risk-management 157
river 91
Roaring Twenties 31, 95
rob 77
robbery 58
Robin Hill Apartments 139
Robinson Crusoe 145
Robinson, Leigh 54, 144
robot construction vehicles 140
rock 91
rocks 149
Rocky Mountain 144
Rodgers, Aaron 124
roll of paper towels 84
roof 50, 121, 143
Roof 148
roofer 58, 59
roof overhang 118
rooftop solar panels 122
room 96
room and board 71
rooming house 61
roommate 61
room rental 29
Roth IRA 16
Round Hill Country Club 154
round trip 134
row house 54, 149
RTC 89
rubber 88, 90
Rubber roof top solar pool heaters
150
Rube Goldberg contraption 121
Rube Goldberg operation 121
rule of 28 36
rules 55
runs on all banks 92
rural 58, 59
rural area 24
rural areas 144
rural electrification 59
Rural Electrification and Telephone
Service Act of 1936 142
rural mortgage 59
Russian 103
Russian “fishing trawlers” 133
Russian Hill 40, 64, 65, 106
Russian Hill in San Francisco 64
rust 151
RV 29, 105, 107, 120, 139
RVs 121
S
Sacramento 65, 159
Sacramento River 145
safe harbor 21
SAFE MLO 54
safe’ rate 18
safes 43
safety 43
Safety 77
sale proceeds 69, 81
salesman’s licence 84
sales tax 14, 114
Sales tax 112
Sales taxes 114
SALT 90
salts 88
salt water 144, 154
same property transactions 67
Samsung Android 132
sand-dune grass 149
San Diego 6, 10, 106, 107, 136, 153
San Diego-Carlsbad 57
Sanford 93
San Francisco 6, 7, 8, 9, 27, 28, 40,
43, 57, 59, 64, 65, 66, 68, 70,
71, 101, 102, 106, 110, 137,
153, 157
San Francisco. 91
San Francisco Bay 7, 106, 145
San Francisco Bay Area 94
San Francisco-Oakland-Hayward 57
San Francisco University High School
102
sanitation 43
San Jose 71, 106
San Jose-Sunnyvale-Santa Clara 57
San Rafael 137
San Ramon Valley 14, 92
San Ramon Valley Boulevard between
Danville 92
San Ramon Valley High School 103
Santa Barbara 106, 158, 159
Santa Clara 106
Sarasota 136
Sarasota Satellite Phone Store 134
Saratoga Springs 59, 60
SARSAT 136
satellite 132
satellite antenna 137
satellite communications course 134
satellite communications school 61
satellite internet 137
satellite phone 134, 136, 137, 158
Satellite phone 134
satellite phones 83, 135
Satellite Phone Stor 136
Satellite TV 137
sat phone 137
satphones 134
save 12
Saving lives 140
savings 6, 7, 12, 36, 39, 40, 63, 66,
70, 127, 156
savings account 25, 36, 60, 156
savings accounts 87
savings and loan 75
savings and loan associations 89
Savings and Loan Debacle 6
Savings & Loan Debacle 31
scandal 73
Scher 144
Scher, Les 143, 160
Schiller, Robert 32
School 157
school-age children 13
school-age kids 107
school district 13, 103
school districts 103
school district tax exemption 112
schools 39
Schwab 73
Schwab 1000 43
Index 181
Schwab, Charles 18
scrape ice 141
screen 151
screening 49
screw driver 84
Screw-in fluorescent light bulb 117
scurvy 146
sea food 145
Sea Isle City 61
SEAL 136
sea level 91
secondary business 98
secondary market 78
second home 22, 23, 29
secret 133
Section 8 73
secure 132
securities 28, 97, 157
security deposit law 26
security doors 58
seed or sod 149
self-amortizing 7, 17, 18, 34
Self-amortizing 28
self-broker 76
self-distributor 43
self-driving cars 140
Self-driving cars 140
self-employed 8
Self-insurance 127
self-publisher 43
self sufficient 144
Seller finance 18, 28
Selling closing costs 62
selling commission 13, 76, 77
Sell It 48
Seminars on tax appeal 111
Senior health 71
seniors 7, 110, 112
Seniors 56
SEP 24
separate building 97
separated person 17
service-connected disability 128
serviced 119
Settlers 31
sewer 131
shade 118, 120, 136, 153
shadow of the farmer being the best
fertilizer 28
shake-down cruise 15
shared driveway 140
Shaw, George Bernard 82
Shawnee Mission School District ,
104
shelter 43
shelter in place 95
Shop annually 130
shorter term loan 128
short wave 137
show 82
showing 77, 79
Showing 77
shrinkage 27
shrinkage of the width of parking
places 140
shrubs 150, 159
side-by-side apartments 49
Siding 149
sign 76
sign painter 143
signs 77
silent 120
Silicon Valley 6, 7, 70
Silver Rule 7 28
Silver Spring 136
Simon, Kevin 102
Simple is better than complex 55
Simplicity 157
Simpson, OJ 24
single-family home 55, 88
single-family home prices 67
single-family house 39, 63, 155
single-family rental house 66
Single-family rental house 69
Single-industry areas 90
single-pane 126
single-pane metal casement windows
118
single parent 17
Singles bar 139
single sideband 133
sink holes 92
Sinkholes 94
Six Flags Discovery Kingdom 59
size 7, 47
slabs 83
slate 148
Slate 148
slate roof 15, 54, 151
Slate roof 48
S&L Debacle 66, 89, 90
sleep better 38
Sleeping well 37
Slide-zone properties 92
slums 104
small claims court 128
small towns 60
small wrecking bar 84
Smart And Simple Financial Strategies
For Busy People 160
Smith, Adam 42
sneakers 71
snow 121
Snow birds 107
snow plowing 139
snow plows 141
socialist 116
Social Security 46, 56, 114
socket-to-plug adaptor 83
sod 149, 159
sod farm 150
Solano Community College 59
solar 106, 107, 117, 118, 119, 122,
150
Solar 121
solar, active 118
solar cell panel 121
solar cell power 121
solar cells 121, 147
solar company 123
solar energy 123
solar huggers 120
solar panel 122
solar panel payback period 118
solar panels 15, 122, 148
Solar still 145
solar stills 146
solar system 123
Sole Survivor 136
solvents 88
Sommers, John Martin 143
SOS button 134, 137
South 57
South America 81
Southeast 158
Southern CA desert 118
Southern California 153
southern New Jersey 91
Southern NJ 64, 82
South Jersey 8, 9, 39, 51, 53, 64, 93,
157
South Pole 136
southwest 118
Southwest 31, 144
Southwest [High School in Missouri
104
Southwest U.S. 118
Soviet Union 91
Spanish-American War 31
Spanish Flu 95
Spanish settlers 118
specialization 46
speed of light 134
spite 87
spoiling the kid 66
Sports 101
spouse of nursing home resident 111
Spread 18
sprinkler irrigation 149
sprinkler repair 149
sprinklers 159
182 How to Protect your Life Savings
sprinkler system 149
square footage 51
Stained-wood garage door 150
stair chairs 71
stamps 156
standard deduction 21, 90
Standard & Poor’s 124
standby generator 119
Stand-up desk 99
Stanford 25
Stanford University 71
starts 89
state and local tax 90
state and local taxes 90
state bankruptcy exemptions 24
State Constitution 110
State Farm 58, 124
state income tax 14
state income taxes 114
State laws and customs 80
State Line Road 103, 104
Statutory Natural Hazard Disclosure
Statement and Acknowledgement
of Receipt 77
St. Charles 59, 60
steal 56
stealing 77
steal your money 81
Steel bars 58
steel-reinforced concrete 93
steel reinforcing bars 150
stepped-up basis 97, 115
Stepped-up basis 21, 114
Steve 70
Steven 66
Stewart Information Services Corporation
81
Stewart Title 80
St. Francis Wood 6
still 146
stipend 71
stitch that saves nine 56
St. Louis County 88
stock 18, 43, 69, 127
stock broker 17, 18
stock-brokerage 73
Stock exchange 28
stock index fund 25
stock market crash 31
stockpile 8
stocks 6, 7, 17, 18, 21, 23, 25, 27, 36,
38, 39, 41, 42, 87
Stocks 25
stone 149
stones 149
Stone Valley 13
Stone Valley Road in Alamo 135
stone veneer 122
storage 71, 96
Storage 43
storage locker 43
storage space 43, 84
storage tanks 120
storage unit 126
store room 50, 75
storerooms 51
storm cellars 93
stranger tenants 62
street-cleaning 141
strobe light 136
stroke 158
student housing 64
Stupid 122
Stuyvesant 102
subdivider 83
subdividing 83
Subdivision 49
sub-prime crisis 88
Subprime Crisis 23, 27
Sub-Prime Crisis 33, 89, 90, 91
SubPrime Crisis 110
Subprime Mortgage Crisis 9, 89
Sub-Prime Mortgage crisis 86
subsidies 118, 119, 120
subsidy 59
subsistence farm 46, 142
subsistence farmer 144
subsistence farms 31, 144
Succeeding 160
sue 53, 87
sued 6, 28, 54
sued for safety 55
sues 56
Suisun Bay 145
Sullenberger, Sully 86
sun lamps 145
sunlight 118
sunny days 123
sunrise 121
sunset 121
super bargain 36
Superfund site 88
supply 91
supply and demand 91
surge protectors 98
surges, hurricane 91
survey 137
Survey 82
survey marker 83
surviving spouse 25, 111, 128
suspended 69
suspended losses 69
swamp cooler 118
Swamp cooling 118
swim club 63
swimming exercise regimen 154
swim team 154
SXM 135
synthetic resins 88
Syracuse 59, 60
T
Taliban attackers 136
tall trees 151
Tankless water heater 118
tape measure 83
target of opportunity 36
target percentage of real estate 39
target retirement funds 158
tax 156
Tax Ad Valorem Consultant 110
Tax advantages 20
tax appeal firm 110
tax appeal seminar 111
tax assessor 23, 108, 109, 110
Tax assessor 111
tax assessors 109
tax assessor’s file 109
tax avoidance 98
tax-avoidance needs 114
tax consultants 110
tax-delayed exchange 21
taxes 8, 73
Tax Foundation 114
tax free 20
tax-free 22, 46, 64, 66
tax-free exchange 68, 97
tax overcharge 108
Taxpayer Compliance Measurement
Program 96
taxpayers are coming 23
Tax Reform Act of 1986 67, 69, 90
tax state 14
TCDD 88
TCMP audit 96
teachers 22, 23
Teachers 101
teachers union 13
teaching credential 101
Tear-downs of expensive properties
48
Telecommunications 15
telecommunications delay 134
telephone” poles 122
temperature 158
tenant 44, 58, 68, 87, 98, 129
Tenant-in-common interests 47
tenants 6, 28, 38, 50, 57, 62, 64, 76,
94, 157
Tenants 6, 87
Index 183
Tennessee 94, 102, 106, 143
Tenth Avenue 75
terminating the monthly mortgage
insurance premium 128
termination 128
termite 82
Termite 83
termite inspector 84
termites 159
terrorism 92
terrorist attack 94
Tesla 119, 120
Tesla Power Wall 120
test 134
test houses 117
Texas 9, 27, 31, 38, 59, 64, 65, 66,
67, 68, 70, 90, 94, 107, 108,
109, 111, 129, 137, 153
Texas Tech School of Engineering
143
textiles 90
texts 131
Thank God I’m a Country Boy 143
thatch removal 149
theft 15, 27
thermal mass 118
thermostat settings 105
The Villages 72
thick forest 136
thick redwood forest 136
thick vegetation 137
thieves 144
thin-film 120
Thirty years 17
This Old House renovation $350 48
thorough 80
thousands of claims to be filed simultaneously
92
three bedroom 65
three-car garage 66, 139
three estimates 58
three-prong-to-two-prong adaptor 83
three sons 65
three-year payback 109
Thuraya 135, 136
Tiaa Cref REIT index fund 43
Tiburon 7
tiles, Spanish clay 148
timber 43
time available 51
time delay 135
Time magazine 5
Times Beach 88
timeshares 53
title description 137
title error 56
title insurance 18, 82
Title insurance 79
Title problem OREO rehab 48
Title problems 47
title search 79
title search companies 79
title searcher 84
Title searchers 80
T-Mobile 132
TN 60, 116
too-complex 55
tool box 83
too many units 55
Too much fixing 48
tornado 91, 92, 93, 125
Tornado 93
Total state average tax burden 115
tourism 90, 106
tourists 106
Touro Universi California 59
tow 139
towing service 139
townhomes 54
town house 149
townhouse 60
toxic chemicals 88
toxic contamination 85
Toxic contamination 87
toxins 88
TRA 86 68, 69
trade 5, 66, 156
trade association 81, 111
trade winds 106
traditional IRA 16
traffic jams 140
trailer 61
transaction cost 21, 44, 62, 79, 84,
156
Transaction cost 35
transaction costs 8, 9, 18, 36, 39, 40,
42, 44, 61, 62, 73, 81, 88, 128,
156, 159
transactions costs 54
Transactions costs 13
Transfer assessment 110
transfer switches 121
transfer taxes 21
transformers 121
transmitter 136
tree huggers 120
tree-lined street 120
tree removal 54
trees 118, 136, 153
trespassers 26
Trial lawyers 141
triple-pane widows 118
triplex 5, 25, 35, 54, 63, 75, 98
TRS-80 computer 98
Trulia 58
Trump 21
Trump SALT limits 114
trust 25
trust deed 16, 19
trusts 25
tsunami 92
tsunami museum 92
Tucson 70
tuition free 70
Turbotax 14
TurboTax 98
twin 49, 51
two-bedroom 50, 65
two houses 107
two- or three-unit 26
two out of the last five years 22
two- to four-family building 26
two-to four-family building 29
two- to four-unit condo 55
two-way transceiver 136
two-year minimum 22
TX 6, 24, 31, 50, 60, 64, 65, 66, 67,
68, 75, 86, 89, 93, 101, 118,
143, 146, 153
U
UCLA 102
UC Santa Barbara 153
UHF 131, 138
ultimate fixers: builders 48
Ultra High Frequency 131
Umbrella liability 125
umbrella liability insurance 87
umbrella policy 124
Uncertainty 62
under or above stairways 51
unfixable 36
unforeseen circumstance 22
uniforms 71
uninhabitable 88, 126
United States Forest Service 59
University City 112
University of Arizona 70
University of California 58
University of California at Santa
Barbara 70
University of Hawaii 59
University of Virginia 58
University Park 104
unlean 39
unlimited bankruptcy exemption for
homestead equity 93
unlimited dollar exemptions 24
unneeded apartment buildings 68
unrealized potential 8, 49, 51, 156
184 How to Protect your Life Savings
Unrealized potential 49, 51
unusual 76
upgrades 67
Upzoning 48
urban area 24, 139
Urban Honolulu 57
urine smell 48
USAA 18, 19, 124
USB 120
U.S. Business Cycle Contractions and
Expansions 90
use 66
used 15
Used mobilehomes 47
useful lives 148
use value 43, 44, 69, 95
Use value 42
USGS 91, 94
US Treasury bond 18
usury limit 63
UT 59, 60
Utah 57, 106
utilities 36, 98, 105
utility 131, 155, 157, 158
utility bills 81
utility companies 83
Utilization 153
UV-C disinfecting 147
UV-C lights 145
V
VA 9, 19, 36, 55, 58, 63, 127, 128
vacancy rate 112
vacant 43, 44
vacant land 19
VA certificate 82
vacuum 146
Vallejo 59
value-adding improvements 22
value increase 123
value increase to cost ratio 122
value-increasing effect 122
Value-increasing financing 48
Value-Increasing Strategy 48
value in use 16, 28, 42
Value in use 29
value of your time 109
VA mortgage 90, 128
Vancouver Bay 146
vandalism 15, 27
vandalizing 77
vandals 141
Vanguard 73
Vapor-compressor distillation 146
VCRs 133
vegans 46
Vegas 106
vegetable garden 43, 46, 142
vegetarian 144
vegetation 136
vehicles 87
ventilating 50
venture capital 43
verbal survey 83
Verizon 132
Vermont 106
veteran 28, 63
veterans 23, 110
Veteran’s Administration 18
Veterans Administration 32
veterinarian 144
VHF 138
VHS tapes 133
viaduct 145
Vietnam 5, 61, 131, 133, 136, 143,
147, 158
Vietnam vet 32
view property 7
views 48
vinyl liners 155
virgin forest 83
Virginia 142
Virginian Hotel Corp. v. Helvering 98
virus pandemic 92
Virus pandemic 95
Vista Grande Elementary 103
vitamin C 146
vitamin D 146, 147
vitamins and minerals 146
Voice communications 133
void 125
voids 125
volcanic eruption 91
Volcanic eruption 94
Voorhees 139
VPN 132
VT 24, 114, 115
W
WA 24, 94, 115, 123, 146
wage and price controls 70
walkable 72
Wallethub 113, 115
Wallethub.com 23
Wall Street 89
Wall Street Journal 144
Wall Street Journal article says fixers
rarely profitable 48
Walnut Cree 159
Walnut Creek 60
Waltons 144
war-caused expansions 90
warranty deed 82
wars 85, 92
washing cars 150
Washington 19, 55, 106, 128
Washington Post 106
Washington Redskins 102
water 43, 121, 131, 143, 149, 155
Water 48
water bill 79
Water-Conserving Plumbing Fixtures
and Carbon Monoxide-Detector
Notice 77
water cooled 118
Water Heater and Smoke Detector
Statement of Compliance 77
water main breaks 94
water mains 147
Water rights 144
waterstillar 145
water theme park 154
weather 106
wedding 157
wedding reception 43, 149
weed killer 149
weeds 144, 149, 150
well 121, 142, 143
West 9, 57
Western Australia 88
Western Pennsylvania 105
western third of the Eastern Time
Zone 93
West Point 5, 57, 58, 60, 61, 83, 103,
118, 134, 152
west south west side 137
West Virginia 46, 142
wet wipes 84
wheelchairable 72
When good contractors go bad 48
white supremacists 58
whole room 98
who pays each closing costs 82
WI 24
widowers 110
widows 110
wifi 98
WIFI 132, 137
wilderness 136
wildfire 91, 119, 125
Wildfire 94
wildfires 134, 148
wild fish 142
Wildwood 146
Wildwood by-the-Sea 141
Wildwood NJ 152
will 114
William Nickerson 4/10/08-10/19/99
48
Index 185
wind 106, 107, 117, 119, 120
windfall 36
winds 119
Windstream 137
wine 43
winter 139
wire 81
wiring 98
Wisconsin 19, 75
withhold purchase price 77
Wittenoom 88
wives 56
Wizard of Oz 93
wood 106, 126
wood chips 149
wood shakes 148
wood shingle 54
Woodside 71
wood-stained roll-ups 150
Woods, Tiger 14
wood stove 142
work at home 95
workers comp 58
work from home 8
Work in the field 84
workman’s compensation insurance
143
workplace 96
Workplace 96
workshop 97
World Trade Cente 94
World War I 31, 85
World War II 31, 32, 39, 53, 70
world wars 31
worst case 18
worst house in a nice neighborhood
49
writer 58, 96
writer/publisher 71
WV 57, 142
Wyoming 57, 94
X
Xfinity fiberoptics 137
Y
Yale 14, 58, 70, 102, 103
year-round source of water 144
yellow pages 74
Yellow Pages 110
Yellowstone Park 94
Yeti 120
Yeti 6000X 119
Yeti 6000 X plus two Boulder 200
Briefcases Solar Kits 119
You Can Get Your Real Estate Taxes
Reduced 112
young and single 114
Youngstown 10
Youngstown-Warren-Boardman 57
yourigloo.com 76
youth football 102
Yuma 123
Z
Zagerpoolspa web site 155
zero-lot line 56
zero-lot-line home 149
zero percent down 32
Zillow 43, 51, 53, 60, 62, 63, 70, 73,
74, 78, 79, 122
Zillow.com 76
zoning 27, 38, 67