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H. J. Chammas

Habib Chammas
H.J. Chammas is an award-winning author and a self-made “Employee Millionaire” who has achieved financial freedom by investing in rental properties throughout Asia, Dubai and Europe. With over 10 years of real estate industry and investing experience, as well as property management, he brings forward a blueprint for real estate investing in a simple and clear manner. He is the founder and CEO of the Employee Millionaire, a company that empowers employees to achieve financial freedom and become millionaires with real estate investing. To emulate Chammas' success in single-family real estate investment, sign up for his program on www.employeemillionaire.com to learn the sound investing principles and avail of free templates and worksheets that make rental properties investing almost on autopilot.
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Free for Life Credit Card; The Captive Borrower Lifetime

Zero downpayment and Lifetime Free card is just a bluff. Credit Card companies harass people and charge them 36% interest on the debts.