» » How to Own Your Home Years Sooner - without making extra interest payments

Download How to Own Your Home Years Sooner - without making extra interest payments fb2

by Harj Gill

  • ISBN: 0974267600
  • Category: Money & Business
  • Author: Harj Gill
  • Subcategory: Personal Finance
  • Other formats: txt lit docx lrf
  • Language: English
  • Publisher: Speed Equity® Publishing; Second Edition edition (November 5, 2003)
  • Pages: 160 pages
  • FB2 size: 1618 kb
  • EPUB size: 1512 kb
  • Rating: 4.6
  • Votes: 453
Download How to Own Your Home Years Sooner - without making extra interest payments fb2

If you are serious about Owning Your Home Years Sooner then you must get this book. Very simple way to understand interest and how it works and how to make it work in your favor.

If you are serious about Owning Your Home Years Sooner then you must get this book. Easy, fast read with great information. Aug 11, 2013 Alexandria rated it really liked it. Shelves: books-i-own, kindle, non-fiction, organization, reference, preparedness. Mar 30, 2008 Darin Davis rated it it was amazing.

How To Pay Off Your Mortgage In 5 Years: Slash your mortgage with a proven system .

How To Pay Off Your Mortgage In 5 Years: Slash your mortgage with a proven system the banks don't want you to know about.

Without Making Extra Payments as Want to Read .

Without Making Extra Payments as Want to Read: Want to Read savin. ant to Read.

You make extra payments toward the principal. You can pay off your mortgage fast by making large extra payments or paying a large extra amount with your mortgage payment. You make extra payments toward the principal.

What the book actually used that example for was to show that the tax deduction for mortgage interest paid alone is not worth maintaining a large balance on your mortgage. The tax deduction will help ease the pain, but it will never make up for the money you spent paying interest. A house is definately a great investment but why pay more more money in interest than you have to? This is a revolutionary book.

Books for People with Print Disabilities. Internet Archive Books. Uploaded by MyH-loader on August 23, 2010.

Harj S. Gill is an International Mortgage Reduction Expert and the Bestselling Author of, "How to Own Your Home Years Sooner - WITHOUT making extra interest payments"

Harj S. Gill is an International Mortgage Reduction Expert and the Bestselling Author of, "How to Own Your Home Years Sooner - WITHOUT making extra interest payments". He has a Bachelor of Science degree from the University of Western Australia as well as a Postgraduate Diploma in Science and a Masters Degree in Education.

gives us hope that we can achieve freedom from our mortgage before a ripe old age. - -Your Mortgage Magazine. cut the term of your home loan significantly. -Personal Investment Magazine. Save a bundle on your home loan.

Harj is the International Bestselling Author of "How to Own Your Home Years Sooner - WITHOUT Making Extra Interest Payments" and creator of the Speed Equity® Mortgage Acceleration System.

Harj Gill, COACH @ Speed Equity® - as featured on NBC's "Saving You $". I am the creator of the Speed Equity® Mortgage Acceleration System & International Bestselling Author of; How to Own Your Home Years Sooner. I am the creator of the Speed Equity® Mortgage Acceleration System & International Bestselling Author of; How to Own Your Home Years Sooner - WITHOUT Making Extra Interest P. .Harj Gill (more)Loadin. eeds.

This is the original book on Mortgage Acceleration based on the Australian System . . . As Seen On NBC's Saving You Money . . . If You Are the Kind of Person Who Wants to BREAK FREE from your mortgage and finally get ahead financially in Life, then there is a solution that will set you FREE! I feel your pain. You've been to Wealth Creation seminars and workshops. You've listened to financial gurus on TV. You've scoured the shelves in bookstores for hours trying to find something that will answer the one question that has haunted you for years; Why do I still owe so much on my mortgage after so many years of making my payments and NOT where I want to be financially? You've done everything that you can . . . but there's still something holding you back. What is it? For years, countless homeowners all over the world, just like you, have asked this very same question. So what is the answer? The answer lies in cutting through all the smoke. And cutting through all the smoke is the hard part. In fact, if you're fed up with your never decreasing mortgage balance and not where you want to be financially, it likely has nothing to do with you because lenders have deliberately kept to themselves the powerful Mortgage Acceleration SECRET in this book. But all that is about to change. It's time to take a deep breath and relax. We're about to take aim at this confusion, blow away the smoke and make things as simple as possible for you to Own Your Home Years Sooner & Retire Debt FREE! Leading Financial Experts and publications including; -Personal Investment Magazine- and -The Sunday Times- have given Mr. Gill's Speed Equity Mortgage Acceleration System, as described in this book, rave reviews. To date, the Speed Equity Mortgage Acceleration System has been used by over 500,000 homeowners in eight different countries including Australia, New Zealand, Singapore, Malaysia, the UK, Canada, South Africa and the United States. He has been extensively interviewed on radio and television including being featured on NBC's - Saving You Money. If you are serious about Owning Your Home Years Sooner & Retiring Debt Free then you must get this book.
Reviews about How to Own Your Home Years Sooner - without making extra interest payments (7):
Precious
I first came across the concept of mortgage acceleration payoff on YouTube through a series of videos from ReplaceYourMortgage.com. The video's prompted me to research the strategy more thoroughly to verify its legitimacy. It turns out that there are dozens of companies marketing this strategy.

After researching this acceleration payoff strategy on several blogs and forums, I found individual testimonies of how it truly worked for them. So I was determined to learn the strategy for myself. The problem that I ran into though was the ridiculous amount of money some of these companies wanted for their services. In the ballpark of $4,000 to $5,000!

I almost paid $4,000 to ReplaceYourMortgage.com... that was until I came across a YouTube video of the Speed Equity System created by Harj Gill ( https://www.youtube.com/watch?v=0sm-MFuciBw ). Mr. Gill gives a brief presentation explaining how to use his Speed Equity System to take advantage of the key banking principle he discovered. I learned that Mr. Gill brought this mortgage acceleration payoff strategy from Australia to the United States in the late 90’s. I didn't understand what the key banking principle was so I decided to purchase his book, How to Own Your Home Years Sooner & Retire Debt Free (U.S. Edition).

Book Review:

I devoured the book in three days! Mr. Gill is an educator and it clearly show’s throughout his book. He ensures that the most important principles are explained in a way that you won’t forget. One example is The Key Banking Principle: "The interest on your mortgage is calculated on the DAILY OUTSTANDING BALANCE and charged at the end of the month (called monthly in arrears)." He does an excellent job at helping you understand what The Key Banking Principle is and how you can use it to your advantage.

He also exposes a lot of myths and bad information circulating about money and mortgages. One example is the misunderstanding that it is advantageous for you to NOT payoff your mortgage because of the tax deduction on the interest. WRONG! Mr. Gill plainly presents in his book how this line of thinking is false and that NOT having a mortgage frees up a substantial amount of your disposable income each year.

Mr. Gill’s book also exposes the problems of how we have been taught to pay down our homes and offers a fantastic solution. With the knowledge in this book combined with the power of the Speed Equity Software, you will be amazed at how much time and interest you can save with your mortgage by using it yourself.

Speed Equity Software Review:

So how do I know that we are on track to saving around 22 years and $80,000 in interest on our mortgage? The answer is the Speed Equity Software.

The software is designed in such a way that if you thoroughly go through your finances and enter your income, debt, and expense information, you are able to see what your potential time and interest savings can be. It is powerful because it gives you a target to aim at. I have heard and believe that “If you aim at nothing, you will hit it every time.” This software gives you the mortgage payoff target to aim at!

You can also input “What If” scenarios such as buying a car or going on a vacation to see how that cost would affect your time and interest savings on your mortgage. That means you can plan your spending and get instant feedback on what the future cost would be.

It also calculates the optimal amount of money to inject into your mortgage from your HELOC to maximize your time and interest savings. People like myself who have chosen to use a HELOC in the second lien position use this calculation. As opposed to refinancing a perfectly good fixed rate mortgage into a first lien HELOC costing thousands.

You must read the book to understand the information and strategy behind the above information.

I also highly suggest that you start a monthly spending plan (budget) if you haven’t already and keep it up every month. It will help you tremendously if you know where your money is going and if you are cash flow positive or negative. I use Google Sheets, which has free budgeting templates that work well in Google Drive.

WARNING: If you are CASH FLOW NEGATIVE this strategy WILL NOT WORK for you. You need to know if you are making more money than you spend each month.

Conclusion:

Why waste THOUSANDS of your hard earned dollars on imitators that take advantage of your lack of knowledge? When you can get it from the pioneer of accelerated mortgage payoff for a FRACTION of the cost! I ended up paying $10 for the Kindle version of this book and $499 for a 15-year subscription to the software. That’s a savings of nearly $3,500 had I gone ahead and signed up with the previously mention company.

I highly recommend How to Own Your Home Years Sooner and Retire Debt Free (U.S. Edition) and the Speed Equity Software to anyone seeking freedom from the weight of a 30-year mortgage. The banking industry doesn’t want you to know the information in this book because it leaves money in YOUR pocket as opposed to THEIRS.

The rich rule over the poor, and the borrower is slave to the lender.
– Proverbs 22:7

Reach out to me at [email protected] if you have any questions. I hope my review has blessed you as much as I have been blessed.
Uste
I wasn't either. What compelled me was my over-riding desire to reach my goal. Hopefully this review can provide you with basic information to make a better decision.

I am a husband, father, and a high school teacher with a strong desire and interest in the concept of paying off our two mortgages; the one for our rental and the one for our primary home. My initial inquiries for more information began online, migrated to YouTube, and then eventually took me to my local bookstore. It was during my YouTube search that I came across the video presentation and the book, “own your home years sooner…”. I purchased and read it over two days and suddenly felt empowered with a tactical plan to accomplish our goal. I understood the concept but wanted to ensure my best understanding. For that reason, I reached out to the author, Harj Gill, to cultivate a relationship which could surround me with a mentor to help us accomplish our goals. I’m very glad that I did.

Part of the tactical plan of the book is to help us lay out a specific road map which allows us to see the power of the strategy as it ‘kills off’ the loan(s) over time. The program shows you the impact of what cash injections have on the length of the loan and the amount of interest that is saved. The results of these reports, however, are only as good as the accuracy of the information. I actually made my own table in Excel and I believed that my table could give me the specific information needed to sustain the discipline which the strategy requires. What I discovered is that Harj’s program, the Speed Equity Software, is more thorough because it has more input variables than my table. The short story here is that moving forward; Harj’s software program will be what I will be using.

Please note the words that I used in the previous chapter. Each of these elements is necessary. They were ‘specific information’, ‘sustain’, and ‘discipline’. You will need specific inputs to produce the best and most accurate results. Accuracy is the key. You will also need stamina and discipline to sustain this endeavor. In all likelihood, this will take time, in many cases multiple years. Both spouses need to see the vision otherwise it will be very difficult to see the goal through completion with only one of you on-board. Finally, let me add another term; positive cash flow. This is not for everyone and you do need positive cash flow at the end of the month in order to make this a reality. If you do not have positive cash flow, you will need to discover ways to create it, and or save it. Positive cash flow is not covered in this book but you will need it just the same. A great first step towards positive cash flow is a budget. I mean a real budget, one that tells you exactly what your income is and where you are spending each of your dollars. There are many factors that produce success, but the more positive cash flow that you have the greater your results.

If you are serious about paying off your mortgage and want a step-by-step plan that will put you on the ‘correct track’ to see your goal, without breaking the bank to get informed, then this is a book that ought to be in your library.

Related to How to Own Your Home Years Sooner - without making extra interest payments fb2 books: