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PDF Ebook How to Own Your Home Years Sooner & Retire Debt Free, U. S. Edition, by Harj Gill

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How to Own Your Home Years Sooner & Retire Debt Free, U. S. Edition, by Harj Gill

PDF Ebook How to Own Your Home Years Sooner & Retire Debt Free, U. S. Edition, by Harj Gill

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Review

...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 MagazineSave a bundle on your home loan. --The Sunday Times

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About the Author

Harj Gill graduated from the University of Western Australia with a Master's degree in Education. He went on to specialize in the field of mortgage reduction strategies and became a bestselling author in 1997 with the Australian edition of this book, which subsequently sold over 150,000 copies. The latest edition of his book specifically caters to North American home loan borrowers to help them Own Their Home Years Sooner.

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Product details

Paperback: 150 pages

Publisher: Speed Equity Publishing (May 1, 2014)

Language: English

ISBN-10: 098506031X

ISBN-13: 978-0985060312

Product Dimensions:

5.5 x 0.3 x 8.5 inches

Shipping Weight: 9 ounces (View shipping rates and policies)

Average Customer Review:

4.5 out of 5 stars

153 customer reviews

Amazon Best Sellers Rank:

#127,069 in Books (See Top 100 in Books)

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 22:7Reach out to me at joshua.cunningham@att.net if you have any questions. I hope my review has blessed you as much as I have been blessed.

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.

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Ebook Free , by Jussi Adler-Olsen

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, by Jussi Adler-Olsen

Ebook Free , by Jussi Adler-Olsen

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Besides, this publication is likewise composed by one of one of the most preferred writer in the nation. So, when you admire the writer a lot, it will complete the collections of the compositions. But, when you are not extremely follower of the writer, you could still love , By Jussi Adler-Olsen due to the fact that you will understand exactly how the author informs the web content to the visitors and also society. You can make handle this book as one of referred information making you feel admired a lot with this publication.

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Product details

File Size: 1270 KB

Print Length: 590 pages

Publisher: Penguin (February 26, 2015)

Publication Date: February 26, 2015

Sold by: Amazon Digital Services LLC

Language: English

ASIN: B00OPJV3QW

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Amazon Best Sellers Rank:

#490,342 Paid in Kindle Store (See Top 100 Paid in Kindle Store)

This would have been a really special read if I had not read it before. Called "The Marco Effect: Department Q" novelwhich is the exact same book so whatever you do if you have read The Marco Effect, do NOT order this book.They are one and the same book and I am astounded that Amazon did not pick up on this!!

Unfortunately, Jussi Adler-Olsen's books are sometimes published under different titles. This book is the same as "Marco Effect", which I had already read. It is an well written crime novel that is so much more. The characters are intriguing and, in each of his novels, one learns more about the Department Q characters. That doesn't mean you need to read every novel in order to enjoy them, but it does mean that you can't wait to get your hands on the next one. And, you are very disappointed when the book is one you have already read and added to your collection, just under a different title.

''Buried'' is another great installment of the ''Department Q'' book series and it is a worthy successor of the previous four books in which we met Carl Mork, his mysterious sidekick Assad and the bizarre secretary named Rose. This book is about the story of an abused child who manages to escape from his tormentors who force him to work as a beggar, and his days of hiding from both his old gang and the police who are searching for him frantically. ''Buried'' is a highly underrated book as many people seem to believe that it is actually the worst of the ''Department Q'' novels but i think that this is wrong as the book has a lot of good qualities such as suspense, action a good plot and the trademark of Jussi Adler Olsen, the acerbic humor, especially in the Carl-Assad interactions. If you are a fan of the series you certainly don't want to miss this one!

The Marco Effect, is a better name for this book, as he does affect you, you cannot help but fall for the poor child and want someone to help him. It's heartbreaking and sad to know similar real life stories go on, obviously not to this degree, but children left without love or care, which is why Marco pulls at the heart strings. Besides that there is the typical mess of Dept Q, camels abound, a little sex in the office, new bosses & with two cases to solve everyone's working hard at it ..... of course it will all be figured out in the end and not without a giggle or two, and some extreme respect for the author and translator for making this series so very special.

I was quite a few pages into this latest Department Q story when I actually went back to the book description just to make sure I actually had a Department Q book. It does take quite a bit of the story before Carl and Co. actually make an appearance.The "guest" in this story, as given in the book description, is a 15 year old boy, Marco. What he can't do to escape his tormentors just isn't worth worrying about - he is the slickest, smartest, most street-wise 15 year old running! That does get just a teeny, tiny bit tedious but, as usual Carl & Co win the day - and I can't wait for Department Q No. 6 to be released. And I am wondering if there is going to be a little of the Lincoln Rhymes about this next book???? Just my personal thought!

Another delightful read in Adler-Olsen's "Q" series. A more complex, darker plot than the light-hearted stories of the previous 4 books in the series. Serious corruption at the very senior levels of commerce, illegal immigrants to Denmark, and the African mafia all combine to make an intriguing mix of horror and dastardly deeds. Carl Morck and his colleagues, Assad & Rose, don't make an appearance until 10% into the book - so the reader needs to persevere while awaiting the return of the favourite three. Assad & Rose excel themselves in their approach to crime detection and Carl almost plays "second fiddle" to his quirky, likeable offsiders. I anxiously await the arrival of Book 6 in the series.

Not up to the usual standard of the first four Dept Q novels. I actually kept going back to the cover to make sure I had the right book when I started reading it, as it didn't sound like Jussi's writing at all, not for a long time. Everything gradually unfolds but it takes a long time and I missed the usual characters for half a book. Some things were just all over the place and some were just too coincidental too often. A great story in the end, and very enjoyable.

Ouch! why was this book re titled when it first was sold as the Marco effectNot. Fair to say the leastI started reading a page or two. Then discovered this fact. I am trying to return this "sheep in wolf's clothing"

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Get Free Ebook Year One: A Quincy Harker, Demon Hunter Collection

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Year One: A Quincy Harker, Demon Hunter Collection

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Audible Audiobook

Listening Length: 12 hours and 22 minutes

Program Type: Audiobook

Version: Unabridged

Publisher: Falstaff Books

Audible.com Release Date: March 30, 2016

Whispersync for Voice: Ready

Language: English, English

ASIN: B01DL1TFUU

Amazon Best Sellers Rank:

So I have been reading occult detectives since I first started to read when I was a child. So I have been over the moon that in the last few years they have taken off as much as they have. Some are very good, some are better than others and some, well they need some work. This is one that needs some work.1. In the first book we are told that the protagonist has at least one brother and one sister and they both keep rooms at Uncle Luke's home. However, the writer seems to have forgotten this and recreates the amount, the ages of and the genders of his siblings in every story.2. If you are going to write a story about the four horsemen of the Apocalypse you should maybe read the book they are based on. Death rides a pale horse, not famine. Famine rides a white horse. The folks who read these kinds of stories tend to know these kinds of things.It has been about a month ago since I read this work and though at the time many more examples of the sloppiness of these stories jumped out at me these were the two that still stick with me.I am also not impressed with how he seems to have shoe horned in an ongoing female character that he does not seem to care much for. It seems as if he wanted to make this book a boys club and then realized at the last minute that at least 1/2 the people who read books are female. The man has talent and he can tell a good story he just need to not be so lazy and sloppy in how he does so. I have read another one of his series and chalked it up to new writer inexperience, but sadly this was not so. I will not buy anything else by this author.

Hartness is the author of the "Black Knight" books about a pair ofCharlotte based vampires. I'm not sure that series is over, butat any rate it is on hold while he writes Quincy Harker stories.This book is a collection of four Quincy Harker novellas (apparentlypublished under separate covers at some point) which cover the firstyear of his official career.Harker is the daughter of Mina Harker (yes, that one), and due toDracula having given her his blood, Quincy ages very slowly and haspowers beyond those of ordinary humans. He is also something of amage, though I'm not clear if that goes with the vampire heritage oris just something he picked up.Harker now lives in Charlotte NC, as does his "uncle" Dracula (who wasforced by the events in the famous book to somewhat re-evaluate hismode of living among humans and adopt a less murderous lifestyle).As the first novella starts, Harker is a freelance demon hunter chargedwith exorcising a young girl, in the event not very successfully (thoughthough there was nothing anyone could have done). We see his testyrelationship with the Charlotte police department as he keeps turningup at inexplicable and bloody events and the down-at-the-heels way helives. (Though it's not clear why he couldn't use magic to earn somemoney.. there doesn't seem to be any code against it).This introduction is the standard "show a typical case for the guy andthen kick in the main plot" as Harker unexpectedly gets an offer fromthe (newly established) paranormal branch of Homeland Security to lendhis expertise to keeping the country safe.It is clear to me that Harry Dresden is very much a factor in theQuincy Harker stories. You can see it in his lifestyle, his pricklyrelationship to authority, his growing infatuation with his policeliaison and his insistence about doing the "right thing" consequencesbe damned. I'm not saying that's a bad thing. There are worseUrban Fantasy models, and these tales are entertaining enough thatI will probably seek out the next volume.There are a few rough edges. His relationship with the policedetective seems to be going too fast, especially given her establishedboyfriend, and I'm pretty sure the make of Harker's piece-of-crapcar changed without explanation. Also one victim character feelsas though he began being written as a pretty savvy dude, if a bitof a stoner, and then got changed into a moron without his introductionbeing updated. Then there's the way Harker enters into a bad bargainwith a demon for a particular piece of information, when the naturalthing to do would have been to first make an effort to establishit himself. (Ie: if you want information about what goes on at aparticular place, at least go to that place yourself before puttingyourself in hock to a demon..). Still, a pleasant enough introduction.

Holy crap, what a foul mouthed, demon filled, laugh riot. If you've read my other reviews you know I'm and Author's & Dragons fan and Hartness is one of that motley crew. Quincy, or Q if you will is a character that any fan of the magic/fantasy genera will instantly grab on to... as long as you're ok with a little foul language and pro wrestling references ;) Hartness weaves together a tapestry of words that paint pictures on your soul.

I am now very messed up because I have another new favorite hero character I want to follow and a new author to keep track of. There just aren't enough hours in the day for all the stuff I have to do and all the reading I want to do as well. John Hartness has just made it worse with this outstanding story. I absolutely adore Quincy Harker! This is a crazy cross between "Lethal Weapon," "Dracula," and "Young Frankenstein." I already have the next two books. Who has time for reviews?

Another winner by Hartness. Read it in one. Couldn't put it down. The language, the characters, everything is perfect for this book. The book, by the way is made up of novella's but don't worry, they feed into the same characters, just different cases, so no worries. Violent and funny…don't miss it. Really, I mean it…it's a good one.

Cheeky white-hat demon wizard and hunter, Quincy Harker faces an abundance of trouble (and causes trouble) to save the world from a multitude of Big Bads.

Great new character (for me anyway). Fast paved, the novellas each picking up one after the other. I don't mind the swearing but I wish there would be a more judicious use of the MF. After all swearing is an art.

I literally just finished this book, and I thoroughly enjoyed it. I loved the characters and their dialogue, as well as the direction each story went. I get the feeling the Mr. Hardness was really getting his legs under him and then he got to running. I can't tell anyone who reads this how much they should check this out.

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