Gill - How to own your home years sooner! : years sooner & retire debt free

Copyright

How To Own Your Home Years Sooner & Retire Debt FREE

Copyright 2014 by H. Gill. All rights reserved.

Apart from fair dealing for the purposes of scholarship or review, and subject to the Copyright Act 1968, no part of this publication may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without the written permission of the author or publisher, except by a reviewer, who may quote brief passages in a review.

Published by Speed Equity Publishing, an imprint of Speed Equity, LLC

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Printed edition ISBN 978-0-9850603-1-2

This book is designed to provide information in regard to the subject matter covered. The purpose of this book is to educate. The author, editors, publisher, distributors, and affiliates shall have neither liability nor responsibility to any person or entity with respect to any perceived loss or damage caused, directly or indirectly, by the information contained in this book. It is recommended that you seek independent financial advice before proceeding with any action.

What the experts have said...

... its a BRILLIANT system.

NBCs Saving You Money

... shows how you can cut the term of your home loan significantly.

Personal Investment Magazine

Save a bundle on your home loan.

The Sunday Times

... this book is an excellent summary and detailed analysis of methods by which mortgages can be effectively eliminated.

WA Business News

... gives us hope that we can achieve freedom from our mortgage before a ripe old age.

Your Mortgage Magazine

Its like having your money do aerobics.

Mortgage Know How Magazine

Strategies for saving a bundle on home loans.

The Melbourne Age

This book shows you step-by-step how you can own your home years sooner.

Perth Woman Magazine

Save thousands on your home loan.

The Australian Womens Weekly

What readers are saying...

Time Saved: 18-years Interest Saved: $108,344

" I work as an Investigator for the (state) Department of Consumer Affairs... I have spent hours playing with the numbers in the Speed Equity System and have found it to be incredibly accurate. I will have my home paid off in 4-years and 8-months and will be debt FREE!!!.

V.W.

Time Saved: 16-years Interest Saved: $97,000

We paid off our 20-year mortgage in 4-years and saved $97,000 in interest by using this system. You can see these readers being interviewed on a National Current Affairs TV Program - click here

Nick & Christine Randall

Time Saved: 14-years 9-months Interest Saved: $127,500

"My wife and I always wanted to pay off our mortgage early, but never really knew the best way to do it. This system puts all the pieces of the puzzle together in a simple, yet powerful way. We are cutting 14-years and 9-months off our mortgage and saving over $127,500 in interest without us making any significant changes to our lifestyle! This has allowed us to plan the vacations we always wanted, but never thought we could afford. Brian Gibson

Time Saved: 21-years Interest Saved: $200,000

"The Speed Equity system was presented to me 3 times before I realized that it made perfect sense. When I signed up and realized that we could have our home paid off in under 5-years I wanted to tell the whole world about this extraordinary program. We are saving over $200,000 in interest and 21-years on our mortgage. This has become a goal that we can actually see coming to fruition each month. Our family goal has become telling others how to do the same." Jackie Banks

"I wish Id discovered this 20-years ago." Jeff Newman

Acknowledgments

For my sun and my moon, my daughter, Nohwa Tamila Gill.

Read Me First

One of the greatest disservices you can do a man is to lend him money he cannot pay back.

- Jessie H. Jones

Hello, my name is Harj Gill and I am the creator of the Speed Equity Mortgage Acceleration System.

Before I delve into the subject matter at hand, please allow me to share with you a little background about myself, and the turbulent beginnings of this revolutionary System. Its especially important for you to know that bankers and lenders dont like me. They dont like me because I teach ordinary people, families just like yours, how to take full mathematical advantage of a little known Key Banking Principle that lenders DONT want you to know about. A SECRET so powerful that it can help you slash years off your home loan and save you tens to hundreds of thousands of dollars in interest.

Next, I am an educator, NOT a banker, loan officer or mortgage broker. In fact, I have never originated a mortgage in my life. However, what I have done since I created this System, way back in 1996, is to educate and empower over half a million homeowners, in eight different countries to be able to Own Their Homes Years Sooner & Retire Debt Free.

How it all started

I have always had a curious nature and a strong desire to understand the world around me from a clinical, logical, and practical perspective. Therefore, it was only natural that I gravitated to the hard sciences whereby I attended the University of Western Australia and graduated with a Bachelor of Science Degree and a Postgraduate Diploma in Science. I then went on to get a Masters Degree specializing in an area called Organizational Planning and Change. The latter qualification gave me the perfect foundation to put my curiosity and analytical mind to full use.

In essence, I am academically trained as a research analyst. My specialty is to collect and evaluate seemingly unrelated data from the broader environment and present my findings to corporate executives. My real talent lies in packaging that information in the form of emerging trends along with recommendations and strategies to help make a company more profitable. In other words, Im a numbers nerd. In fact, I love numbers so much that I was at the top of my statistics class at university.

In 1995, while working as an organizational consultant, I came across a little known Key Banking Principle that governs how interest on a mortgage is calculated and charged. When I applied my academic research skills to this subject, I grasped that if I could teach ordinary home loan borrowers how to take full mathematical advantage of this Key Banking Principle, they could literally slash years off their home loans and save tens to hundreds of $1000s in interest.

To cut a long story short, this discovery forced me to make a conscious decision to leave the world of organizational consulting. I realized that instead of helping faceless corporations make more profits, I could use this newfound knowledge to make a huge difference in the lives of real people. So, I decided to develop the Speed Equity Mortgage Acceleration System. This System was, and still is, considered revolutionary because it shows borrowers how to significantly reduce the interest cost on their mortgage simply by using their existing financial resources. Thats right! Its not about working harder, but working SMARTER with the money you already have right now.

As I started teaching people how to use this System, I soon found that it was completely transforming their lives. I witnessed first hand, as people felt the burden of a 30-year mortgage being lifted, that their thinking began to change as well. I saw them get giddily excited about the very tangible prospect of Owning Their Homes Years Sooner & Retiring Debt Free.

For many, it was the first time they had ever taken complete control of their financial future. And for the first time, they knew exactly WHAT they needed to do, HOW they were going to do it, and EXACTLY where they should be each step of the way. As a result, they started to dream about making new plans for their future. They began to live the life they WANTED to live rather than living the life they thought they HAD to live . In this book I am going to introduce you to some of these people that all started where you are today. None of them are famous or overly wealthy. In fact, they are just ordinary people who no longer wanted to be enslaved by a 30-year mortgage and made the simple decision to break free from it. For example: