I am saving $108,344.14 and paying off my home 18 years earlier than the original 30 year loan.
I was so close to buying into one of the $3,500.00 copycat systems out there … I had put down the $500 deposit and was being asked for my credit card number a few days later to get started, when I asked, “Is there a money back guarantee?” The quiet but very firm “NO!” answer stopped me in my tracks. I realized I had to look around to see if there were other alternatives out there for my own piece of mind.
I work as an Investigator for the California Department of Consumer Affairs and give this type of advice on a daily basis… “always get other estimates, know your alternatives and choices.” I started checking around the Internet. Through a discussion forum I saw Harj’s program mentioned and went to the web site. It was a blessing from heaven.
With Harj’s fair price on this system and Webinars to help, I thought it’s worth a try to save over $3,000.00, and if it’s not the same thing I can always go back and pay the $3,500.00. Luckily I was able to get that $500 copycat deposit back and happily tried Harj’s system. To my delight, I was the one controlling the program and inputting the data.
I am able to get very specific and make changes when needed. 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!!! I really enjoy the ability to adjust my spending habits and see immediate results. I am now thrilled in doing my budgeting and seeing my savings reflected in reduced time and interest savings on my loan.
Thanks Harj for your fairness, honesty and ingenious program!
V. Williams (California - USA)
Time Saved: 18 years - Interest Saved: $108,344
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 can hardly believe it!
The Speed Equity System is going to cut 14 years 9 months off our mortgage and save us 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.
Another bonus is that in the past, my wife and I didn’t really work together on our finances. Now we feel like we are a team and finally getting somewhere when we check the results together every month with the software program that comes with the system.
Incidentally, a little tweaking of our plan with the help of our coach and the software has allowed us to save even more interest. We feel the lessons we’ve learned from this system will allow us to succeed financially for the rest of our lives.
Our hats are off to this great program!
B. Gibson (Washington - USA)
Time Saved: 14 years 9 months - Interest Saved: $127,500
It was going to take me 18 years to pay off my home loan the traditional way. I’m now going to pay it off in 4 years 9 months and save $90,000 in interest by using this system.
see this client being interviewed on a National Current Affairs TV Program - (2001 story)
- Lou Athanasiu (Australia)
Time Saved: 13 years 3 months - Interest Saved: $90,000
To our delight, your system took our home mortgage (plus every other debt we had) down from 14 years, 5 months to 5 years even - saving us over $52,000 in interest! Within the first few months we shaved several more months off of that. At this point, my husband and I were truly inspired. The system works!
It's very gratifying at the end of the month to plug our ending balance for our mortgage into the software. It's a real sense of accomplishment and forward momentum because we try to beat where we should be.
Thank you for teaching us how to take hold of our finances and an important part of our life. Freedom is within sight!
S. Rakes (Washington-USA)
Time Saved: 9 years 5 months - Interest Saved: $52,000
The best day of our lives was Dec. 12/04 when we attended a meeting introducing us to the speed equity system. We were invited by our bank manager and assistant manager to see this revolutionary program.
We signed up immediately and our 12 yr 9 mo mortgage will now be paid off in 2 yrs 9 mo saving us a whopping $38,000.00 in interest. For us it was like winning the lottery.
We have been on the program for 1 year now and have watched our mortgage quickly decrease as forecasted in our plan. This will afford me to join my husband in retirement 10 yrs earlier than I thought possible. We are now looking forward to traveling the country in our motor home and are already planning some wonderful trips.
Karyn & Steve Eby (Washington-USA)
Time Saved: 10 years - Interest Saved: $38,000
When our coach first described the system to us, we were skeptical and did not believe the system would work. I kept hearing my 10th grade Latin teacher saying, ’caveat emptor, which means, ”Let the buyer beware”.
Our coach, showed us a print out with our $90,000 home loan with a fixed interest rate of 5.625% that would take 30 years and cost $186,513 to pay the conventional way. For this $90,000 loan, we would end up paying $96,513 just in interest payments!
Then she showed us a print out of our plan using the system. We were still skeptical but felt we had nothing to lose by trying it.
Without changing our spending habits, our income, or our budget in any way, we are now on schedule to have our $90,000 loan paid off in 3 years and 8 months by using this system. We are also on track to save $86,067.62 in interest payments.
The best news for us has been my ability to cut back to a half time position at work, allowing me more time to shop, cook, and take care of our home. Without the stress, I’ve found that I actually enjoy most of these tasks. I cannot describe the giddy feeling my husband and I have month after month, as we sit at our computer and watch the results of our plan.
What’s the catch?
You must be willing to take charge of your finances. That’s the catch. The only catch. I recommend this program without reservation!
H. Berchet (Washington-USA)
Time Saved: 26 years 4 months - Interest Saved: $86,067.62
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.
J. Banks (Washington-USA)
Time Saved: 21 years - Interest Saved: $200,000
When my husband and I first came across this program in January 2005, we had $108,659.00 and 11 years 7 months left on our mortgage, and $31,954.25 in outstanding car loans and credit cards. This brought our total debt load to $140,613.25.
Two days before we saw the presentation, we had signed papers to refinance our house so we could pull out cash to remodel our kitchen. This would have brought our home loan balance to $150,220.00 and extended the time on the loan back out to 15 years with the total debt load then being $182,174.25.
The day after we heard the presentation we cancelled the refinance papers.
In February of 2005 we took the SpeedEquity training and started our plan. With our new tools we learned that if we followed our SpeedEquity plan we would save 4 years 4 months and $12,016.25 in interest. Also, all of our credit cards and auto loans would be paid off with this plan as well. But, that's not what we did!
We still wanted to do our kitchen remodel. So, we used the software program to figure out what this would do to our plan and what it would cost us in terms of time and interest.
Our new plan included what we thought the cost of our kitchen remodel would be. The results...we would still save 3 years 8 months and $5166.68 in interest off of our original home loan. The best part is that all of our other debts would also be paid off and we would have a new kitchen....with new appliances that work!
It's now a year later, January 2006. Our kitchen is done with new everything.
Currently we are slightly ahead of projections even though the remodel cost $6,000.00 more than the estimate. This program has given us hope where we didn't have hope before in our financial life. It has helped us take control of our finances instead of our debt controlling us and we know we will be debt free in the time projected in our plan.
At a personal level, a huge amount of stress has been eliminated from our lives. This has also made a huge difference in our relationship with each other. For the first time my husband and I are on the same page. The SpeedEquity System has really changed our lives for the better.
We believe in this program so much we tell everyone about it.
A. Thomason (Washington-USA)
Time Saved: 4 years 4 months - Interest Saved: $12,016.25
My wife and I took on a 30-year mortgage to buy our first home, 5 years ago at $120,000. After 5 years of making monthly payments of approx. $1,000, we still owed over $116,000. That’s not a lot of progress!
Then we heard about the Speed Equity System.
In just three months of being on this program, we were able to reduce our loan by $7,000. These are fast and real results.
We will now own our home 17 years earlier and save over $80,000 in interest in the process. Wow!
We have also noticed that we experience more power and freedom in our daily lives because of the financial knowledge and tools we've been given. These have allowed us to make our spending choices based on a clear understanding of how these will impact our plan to own our home sooner. We are excited about the future. Thank you, thank you, thank you.
Scott Ercoliani (Washington-USA)
Time Saved: 17 years - Interest Saved: $80,000
My husband and I were concerned about the interest rates going up and attended an introductory seminar. Once hearing the concept and understanding it, we decide it was worth a try. We had nothing to loose.
This process really allowed us to take a serious look at our spending and how to manage our income better.
Since being on the program we have been able to better manage our spending, pay down our mortgage and we hope to have our home paid off in about 2 years.
The system also gave us the flexibility to begin plans to build a new home on a beautiful piece of property. We plan to use the same system to pay off our new home. This is definitely the way we will manage our finances from now on.
B. Loomis (Washington-USA)
The Speed Equity System gave my wife and I an eye opening experience on where our current financial status was at. It was a real wake up call for us because like everyone else, we were just going along with what we were told by our lender - i.e. your mortgage is going to take 30 years to pay off.
I'm a very analytical type of person and will admit that at first I was very skeptical. I remained that way until I took the time to add in our financial information and create a plan for us. Then I was very surprised at the results.
Working with our coach we were able to come up with a personalized plan that now has us on track to completely pay off our 30 year mortgage in 8.1 years. The best thing I like about this system is that it has allowed us to take complete control of our mortgage and our personal finances. We know where we started from, where we are going, and most important of all we have a plan that helps us get there step-by-step.
I was so impressed with what I saw and the actual results we are achieving that I wanted to share this information with everyone I met. Thanks so much to Harj and his team for this wonderful opportunity.
Thomas & Jennifer Smith (Washington-USA)
...since April of this year, we have done the following by using the SpeedEquity System: paid off our $5,000 credit card, paid off our $5,000 personal loan, and saved $8,000 in cash ...
Meanwhile, our mortgage which was $130,000 when we started will be over and done with in four and a half years. I have now passed your website address on to lots of people, and I am getting the same stories from them. Thanks to you, our lives have changed completely. My stress levels are much lower, our marriage is better, and we have our priorities straight. Thanks again.
- Darralyn Duffy (Australia)
It was going to take me 12 years to pay off my home loan. Thanks to this book, I’m now going to pay it off in 6 years and save $30,000 in interest.
- Teresa Schofield (Australia)