My name is Gavin Bramley, and on the following page I'm going to show you the exact principles I've used to personally make my money work for me and how my book has significantly and dramatically improved the financial positions of countless people who have followed my principles.

Step-by-step advice you can use to get out of debt and stay out of debt!

How to begin building an investment portfolio that will ultimately work hard for you.  I don't care how small your budget is, I'll show you how small beginning can lead to enormous profits in under five years.

When to stop accumulating wealth only and begin to pursue passive income (Passive income is your money working hard for you. And you do not need millions to do this. In fact if you have owned your own property for the last five years you may already be more than half-way there and you don't even know it.

The state of Financial Freedom can be accelerated using special secrets known only to the rich. These secrets could be yours within the next five minutes. This will save you hours of time and research as these secrets are all in my book.

How to earn 30-50% per annum using secret financial techniques  and get the banks to finance these investments 100% because the banks do not consider these investments to carry risk. Neither should you.

"Last year, Keith went from almost broke to a R600.000 profit using our principles..."*

Gavin’s book Financially Free came as a Godsend to my wife, Shani and I. In the first two years of our marriage, our finances were in a downward spiral. Our expenditure was exceeding our income and there seemed to be nothing we could do about it. We gave up luxuries such as dining out at restaurants and we cut back on every expense we could think of, short of selling our wonderful house. I believe a lot of people are in the situation that we were in. We both earn a satisfactory salary and we are not extravagant in our living style, yet somehow our monthly set costs could not be met by what we brought in. We were getting desperate and I was on the verge of selling my car and cycling to work. The desperation came from the fact that there seemed to be no way out. Overseas friends were buying up properties cash, with the pounds they were earning. They could secure their future because they had money now to do it with. We couldn’t do a thing, because we did not have any available cash at hand. WRONG !

A few days into trying to find a buyer for my car, I was introduced to Gavin’s book. It has turned our financial status around. You can not read this book and be passive afterwards. It introduces principles to you that you have to actively make work for you. But it is so simple to apply these principles. My wife and I have been shown ways to release funds for immediate availability, to drastically reduce monthly costs with no sacrifice and to secure our future through investments.

Since reading Gavin’s book, our monthly costs have been reduced by a further two and a half thousand Rands a month plus we have our luxuries back. My car is no longer for sale, we have in excess of three hundred thousand rand available cash in our bank account and we own seven additional properties to our residential home, all being rented out and therefore paying themselves off. At one point we had nine. We will continue to buy, sell, or keep, aligning ourselves as closely as possible to the principles we have learnt from Gavin. We may delve into the stock market very conservatively as an additional venture. There are in depth lectures and writings on how to do this with minimal risk offered by Gavin. We would also like to follow his principles, when funds allow, to purchase a commercial property, and ultimately, follow his path to buying our own business. 

This book is concise, practical and logical and you come away from it moved and positive. Whether you act upon what it teaches you, is up to you. The fact of the matter is, if you do, you will drastically increase your chances of improving your financial position like we did.

UPDATE:

Three of our flats that we bought in the same block for R180 000 (7 months ago) can now be sold for R380 000 each. That’s a profit of just over R600 000 after costs if we were to sell. That means that we have gone from basically destitute when we met Gavin a year ago, to having R110 000 cash to build the self-contained flat above the garage that my Mom will live in one day and that Shani will use as a classroom for her pre school when she finishes her studies in 5 months (which will pay the room off through incoming pre school fees in time). It will give us R90 000 cash to carry us through the 5 months of Shani not earning now. And it will give us R400 0000 cash to invest in a portfolio which, if it offers around 30% return annually, will be about R5 mil in 10 years. AND we’ll still have 4 other flats paying themselves off still. Things are looking very very rosy right now. We talk about you often and we are eternally grateful for what you’ve done for us Gav ! (Keith Higginson)

"He learned how to use Other Peoples Time (OPT) & Other People Money (OPM) for the first time despite having been in his own business for 20 years."*

I had all the normal negative thoughts about property until I heard of Gavin's program . That was 5 months ago. Since that I haven't had a good nights sleep as I have been so excited. I have purchased twelve properties since and have learnt for the first time in my life how to use OPM and OPT, which 20 years in business for myself never taught me. I never realized that to give up just one day out of my life to find out how to really make money could inspire me so much.

"He purchased 7 investments all making in excess of 50% return on the capital he invested."*

Gavin’s ideas and the manner in which he conveyed them removed my blinkers and made me see the reality of money and finance. His descriptions, although seemingly simplistic, do actually work in the way he describes. Since learning from Gavin I’ve made much headway with property investments, to the extent of purchasing 7 small properties in the space of 3 months, all of them making real financial sense.

What Gavin has shown me has opened up a world of future and I am so motivated by this whole philosophy that I am unbelievably hungry for new information! Gavin, thank you for the contribution that you have made to me seeing my way to financial freedom. Not just for the money, but for the free time it will give my wife and I, to spend with our family and to give back to the community.

I've been able to get my self out of 'bad debt' and stay out of it. However, I've also learned how to use 'good debt' to accelerate my own wealth by a factor of ten! Anyone can use and benefit from my simple principles. How do I know it works? Because many of my students and myself are "living proof" that I know what I'm doing, because we're living the principles every day of our lives.

"At the age of 42 my businesses generate enough income for me to retire and spend as much time as I want to spend with my family."  I work only because I enjoy helping other people to learn the skills I have learned. To reach even more people in the limited time I have I have turned to writing my books.

We blindly follow the 95% of the world population towards an inadequate retirement at the age of 65, when we could retire so much sooner and significantly better off.  By not structuring our financial affairs correctly we throw away our hard earned money. Often we are guilty of paying too much in tax or commissions because of this. 

I am often asked to speak in public, DITASA, ERA UNIQUE, REALTY 1, AIDA,  ERA, SPAR, THE KZN Business School, DERIVCO, KZN Tourism, Ezimvelo Wildlife, De Beers and many others have attended programs hosted by myself. Many have contracted me to specifically tailor programs to develop the financial acumen and skills of their people.

I have tackled many controversial aspects in the book including, why never to invest in life insurance, why not to pay of your bond, why Multi-level Marketing does not qualify as a real world business and others. You will need to read these to understand more clearly what it is I am saying. I show you how to decide who can be trusted as an advisor and why.

Topic #1:

"How to get out of debt and stay out of debt...

One of the main reason why people do not advance their financial literacy and indeed their wealth is that they claim that they cannot save any money for them selves. They maintain that their expenses exceeds their income and that that is just the way it is.

How can you begin to save for your future?

... Or maybe you already know this but you want to know exactly how to go about making these improvements. Such as how to add some NEW income streams to your monthly finances and where do you find these?

This is actually very EASY to do once you know how and when you know where to look for them!

Our book not only gives you INSIDE information about all this but it also reveals a number of secrets that the rich are reluctant to share. Why am I prepared to share? Simply because I know that we live in a world with vast amounts of money. I already have my share. I want to help you get yours.

We're ALSO going to tell you...

... and this is just the tip of the iceberg!

Using our principles, you'll know exactly where to go and what to do to choose the right investments for yourself over and over again.

Topic #2:

"Why the typical advice received from traditional Financial Advisors will lead you to an inadequate retirement".

If you have invested in the assurance industry, or simply read any of the articles written in the media, you might know that the financial services industry is constantly under fire for their excessive cost structures and the under-performance of their investment portfolios.

In many circumstances these claims are justified. How else does one explain why it is that the Assurance and Insurance companies own most of the large commercial buildings in many of the major city centers?

My book shows you how they invest your money for their benefit, then pay profits and salaries to shareholders and employees literally removing much of the growth that takes place in the fund, even when the fund performs poorly. My book will show you how to invest for yourself thereby eliminating your need to be satisfied with inferior investment returns.

Ask yourself this question. Is the financial advisor who is advising you someone who has attained significant wealth. How did he or she acquire this wealth. Was it though investments of the same nature that they are encouraging you to take up, or was it through commissions earned by selling these investments?

The secrets contained in my book can increase your income by up to 200%... in less than 60 months!* Many of my students have accomplished this in under a year!

You'll discover...

Topic #3:

"What the rich invest in that the rest of us do not..."*

The end of our life's journey will be determined to a large extent by the people and the advices that we choose to follow. Who are you following or taking advice from. Where is their journey likely to end. In Financial Freedom or financial disaster? 

It is a given that we should be following the financial principles of the rich if that is where we wish our journey to end up. My book has already proven itself to be an invaluable tool on the path to financial freedom for many of my students who have embraced the principles. As you have already read, some have achieved this status in under one year. With my book, you'll have the opportunity to learn...

Topic #4:

"How to keep the Financially Free status once you have attained it!"

Why do people lose their fortunes. Well, usually it's because they never actually worked for them in the first place. I include in this list 'lotto' winners, heirs and heiresses, children taking over their parents businesses etc. Yes, it does take some effort to get the Financially free ball in motion, but once it is going the profits will snowball. There are thus a number of important issues that we also discuss in the book to help you retain this new found wealth that you have created.

Again, if you keep it simple, it is easy to protect your wealth.