The Employee Millionaire Is The Simplest, Fastest Resource For People With Day Jobs To Earn Regular Monthly Income And Build Fantastic Personal Wealth!
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"͞The Employee Millionaire"
The only high-returns investment process that offers you ongoing passive income but doesn’t require you to give up your job!
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  • Step-by-step - absolutely nothing left out
  • For beginners - clearly explained, no jargon
  • Keep your job while you build your portfolio
  • Thousands have done this - now it’s your turn
  •  Delivered to your inbox in seconds!
BONUS: FREE Done-for-you checklists, templates and planners makes building your property wealth even easier!
The Employee Millionaire is the Simplest, Fastest Resource for People With Day Jobs to Earn Regular Monthly Income and Build Fantastic Personal Wealth!
Get Your Personal Copy of "The Employee Millionaire" Now...
The only high-returns investment process that 
offers you passive income 
WITHOUT  giving up your job!
Join the property millionaires!
  • Step-By-Step - Absolutely Nothing Left Out
  • For Beginners - Clearly Explained, No Jargon
  • Keep Your Job While You Build Your Portfolio
  • Thousands Have Done This - Now It’s Your Turn
  • Delivered To Your Inbox In Seconds!
FREE Done-for-you checklists, templates and planners
 makes building your property wealth even easier!
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With Your Purchase Of The Employee Millionaire Today..
YOU GET TWO INCREDIBLE FREE BONUSES**
"The Employee Millionaire lays it all out for you in an easy to follow and implement a blueprint. 

To make things even easier, here are some additional materials for you that help you put all this golden information into checkbox and template form."
Bonus 1* – Templates (Value $50)
Professionally designed templates for all your major documents make your life incredibly easy - and show a professional image to banks, sellers and tenants. 



Here's what the Template Bonus contains:
  • Your Big Why List
  • Transforming your Limiting Beliefs into Empowering Beliefs
  • Letter of Intent (Short Version)
  •  Letter of Intent (Long Version)
  •  Purchase and Sale Agreement
  • Rental  Properties  Investment  Blueprint
  • Property Condition Checklist
Bonus 2* – Worksheets (Value $77)
Remove all the work from your rental property business; these sheets lay everything out for you. Fill in the details to evaluate a rental property instantly and work out quickly if the opportunity is a good one for your portfolio. Rental property investing made simple...

Here's what the Template Bonus contains:
  • Personal  Financial  Statement 
  • Determining Your Mortgage Loan Eligibility
  • Investment Criteria Worksheet
  • Property Price Evaluator
  • Rental Property Cash Flow Projections
  • Mortgage  Loan  Eligibility  Calculator
BONUSES
"The Employee Millionaire lays it all out for you in an easy to follow and implement blueprint. To make things even easier, here are some additional materials for you that help you put all this golden information into checkbox and template form."
Bonus 1 – Templates (Value $50)
Professionally designed templates for all your major documents make your life incredibly easy - and show a professional image to banks, sellers and tenants.  
Here's what the Template Bonus contains:
  • Your Big Why List
  • Transforming your Limiting Beliefs into Empowering Beliefs
  •  Letter  of  Intent  (Simple  Version) 
  • Letter of Intent (Long Version)
  • Rental  Properties  Investment  Blueprint
  • Property Condition Checklist
Bonus 2 – Worksheets (Value $77)
Remove all the work from your rental property business and let those sheets do the math for you.

Here's what the Template Bonus contains:
  • Personal Financial Statement
  • Determining Your Mortgage Loan Eligibility
  • Investment Criteria Worksheet
  • Property Price Evaluator
  • Rental Property Cash Flow Projections
  •  Mortgage Loan Eligibility Calculator
Get your copy of "The Employee Millionaire" now and start living your own dream!
Get your copy of "The Employee Millionaire" now and start living your own dream!
The Secrets Taught In "The Employee Millionaire" Have Already Helped Thousands Of People Around The World Achieve 
Financial Security, Freedom And Happiness
Are YOU The Next One?"
The Secrets Taught In "The Employee Millionaire" Have Already Helped Thousands Of People Around The World Achieve Financial Security, Freedom And Happiness
Are YOU The Next One?"
Here's What Key Opinion Leaders Around The World Think About "The Employee Millionaire"
Here's What Key Opinion Leaders Around The World Think About "The Employee Millionaire"
“I wish I had access to his learning when I was starting out in my journey”

Investing for one’s own financial security is not a course taught anywhere: one learns life’s hard lessons as one goes through life!! I wish I had access to his learning when I was starting out in my journey. 

I can strongly recommend this book to every person (employee) starting out in life and wishing to know basics of personal financial planning. It’s an easy read, with simple lessons and easy-to-apply tools.

These tools will, regardless of the specific investment opportunity or strategy one eventually follows, help challenge and sharpen one’s personal savings and investment plan.

Nandu Nandkishore
Fortune 100 CEO. Former Executive Board Member Nestlé S.A, and former CEO Nestlé Nutrition. Angel VC, Mentor, Coach, Keynote Speaker, Consultant on Strategy and Culture Transformation, and Faculty at B Schools
Nandu Nandkishore
Former Executive Board member, Head of Asia, Oceania, Africa for Nestlé S.A, and former CEO Nestlé Nutrition. Angel VC, mentor, coach, keynote speaker, consultant on strategy and culture transformation, and faculty at B schools
An easy read, with simple lessons
“I wish I had access to his learning when I was starting out in my journey”
 
Sadly, investing for one’s own financial security is not a course taught anywhere: one learns life’s hard lessons as one goes through life!! I wish I had access to his learning when I was starting out in my journey. 

I can strongly recommend this book to every person (employee) starting out in life and wishing to know basics of personal financial planning. It’s an easy read, with simple lessons and easy-to-apply tools.

These tools will, regardless of the specific investment opportunity or strategy one eventually follows, help challenge and sharpen one’s personal savings and investment plan.

Richard Duncan
Author, Economist and Publisher of Macro Watch
“The Employee Millionaire is an A to Z guide on how to acquire a portfolio of rental properties that will build wealth with every month that passes”
Investing in rental properties can be one of the surest ways of building wealth, but only if it is done right. 

H. J. Chammas has done the world a great service by writing a book that clearly explains how to “do it right” every single step of the way. 
Meticulous, but also enjoyable to read, The Employee 

Millionaire is an A to Z guide on how to acquire a portfolio of rental properties that will build wealth with every month that passes. Anyone considering investing in rental properties should begin by reading this book.

Richard Duncan
Author, Economist and Publisher of Macro Watch
“The Employee Millionaire is an A to Z guide on how to acquire a portfolio of rental properties that will build wealth with every month that passes”
Investing in rental properties can be one of the surest ways of building wealth, but only if it is done right. 

H. J. Chammas has done the world a great service by writing a book that clearly explains how to “do it right” every single step of the way. 
Meticulous, but also enjoyable to read, The Employee 

Millionaire is an A to Z guide on how to acquire a portfolio of rental properties that will build wealth with every month that passes. Anyone considering investing in rental properties should begin by reading this book.

"To help you obtain financial freedom while reducing risk, read The Employee Millionaire - an enabling guide to achieve your goals through discipline and great self-leadership"
Brenda Bence
Award-Winning Author And 
Top 10 Executive Coach Worldwide  
Brenda Bence
Award-Winning Author and Top 10 Executive Coach worldwide  
"To help you obtain financial freedom while reducing risk, read The Employee Millionaire - and enabling guide to achieving your goals through discipline and great self-leadership.
Theda Davids-Muller
UAE Advisor, Mentor, Visionary Entrepreneur, Real Estate Specialist, IT/Telcoms/ITIL Eng., Author, Writer, Keynote Speaker, Banker, Start-up Specialist, Supreme Legacy Mentor and Personal Transformational Mentor
"The Employee Millionaire offers a proven methodology for creating wealth 
through real estate"
H. J. Chammas has proved himself to be an authentic mentor who has unselfishly shared his secret to creating wealth with the world. It takes real commitment, dedication and the sheer will to succeed, but before that, a drive and determination to keep on pushing to heights you never knew before, which in my opinion is what H. J. Chammas has applied and the reason for his success. 

Let me assure you that the Golden Nuggets shared in this book, should not be taken lightly, it’s a methodology proven for success, which means H. J. Chammas has helped you avoid the inevitable pitfalls on this journey. It’s the greatest option he has shared as a mentor for those desiring wealth. 
Formal Employee Millionaire Book Reviews
THE EMPLOYEE MILLIONAIRE - Book Review
How to Use Your Day Job to Become a Millionaire with Rental Properties - H.J. Chammas
An investor shares tips for generating income from rental properties.
In this debut business book, Chammas guides readers through the basics of developing a real estate portfolio, with the narrative mirroring his own process of learning the ropes. The author channels several of his mentors, particularly his wife, Joyce, a banker, and Papa Joe, a Lebanese-American businessman with real estate holdings around the world.

The volume’s lessons—how to calculate returns, the value of strong professional relationships, the mechanics of a mortgage—are often presented as conversations with these mentors. Each chapter ends with concrete action steps for readers, and most include sample work sheets and formulas.
Chammas encourages readers to rely on loans to purchase income-generating real estate (“He explained that if I want to receive $1 million in the future, I need to borrow $1million in good debt”); to buy properties below their appraised value (“by following clear and strict investment criteria and finding motivated sellers”); and to rent to highly screened tenants using detailed leases.
He also argues that people need to adopt a new mindset in order to become wealthy (“People who have accumulated wealth have let go of an incredible number of misconceptions and limiting beliefs”).

The book is at its strongest when it sticks to the mechanics of real estate investing, with solid recommendations for evaluating a property’s earning potential, sample letters of intent and purchase agreements, and closing checklists. Financial concepts are explained clearly, with equations and multiple examples to add to readers’ understanding.
The emphasis on learning from experts in the field is another strength—using the example of a beautician who got advice from a woman whose nails she painted, Chammas shows that although luck is a factor in developing relationships with mentors, it can be done by those without professional connections. Readers interested in exploring real estate investing should find the work a useful primer, covering the fundamentals of the industry in detail and be with clarity.
A solid introduction to real estate investment.
THE EMPLOYEE MILLIONAIRE
How to Use Your Day Job to Become a Millionaire with Rental Properties - H.J. Chammas
Book Review - (Reviewed: September 2018)
It wasn’t long ago that “moonlighting”—working a second job in addition to regular employment—was frowned upon by corporations who expected employees to devote themselves completely to the company. But pressures of lower wages combined with higher costs of living have largely made those expectations unrealistic. Additionally, rapid technological advances have made it easier for employees to work fulltime while pursuing other income streams.

These developments explain why H.J. Chammas’ The Employee Millionaire is not a conundrum. Rather, it’s a validation that smart goal-­setting combined with “can-­do” motivation can build real wealth, leading to that moment when moonlighters make that final leap to leave their day jobs and concentrate totally on investing or, if they desire, retire completely from both jobs.

Chammas lays that foundation with excellent content that includes the financial ‘ins and outs’ of acquiring rental properties (e.g. strategies for dealing with banks, analyzing rental property opportunities, managing properties). He also provides a thoughtful approach for analyzing less tangible considerations, such as identifying limiting beliefs, balancing lifestyle desires and pressures and managing the moving target of personal motivation.

Readers who find it difficult to slog through financial discussions full of equations will get some relief in the author’s conversational tone and informational anecdotes. Chammas offers helpful “real-­life” examples, such as analyzing the financial profile of Joe Public (married millennial with two children) to determine how many properties Joe can afford to rent. Readers will appreciate Chammas’ suggestion for building a team to support their real estate ventures (instead of going it alone).

Those who have suffered some real estate investment disasters may argue that few employees have the mental makeup to survive, much less relish, working both jobs. Nevertheless, The Employee Millionaire will appeal to a broad swath of readers who appreciate this intelligent message of hope couched in helpful advice that they can leverage — even if they never choose to make the leap to rental property investor.
THE EMPLOYEE MILLIONAIRE
How to Use Your Day Job to Become a Millionaire with Rental Properties - H.J. Chammas
Clarion Review - (Reviewed: September 2018)
For those interested in investing in rental properties, this expertly written book offers the necessary guidance and support.
H. J. Chammas’s The Employee Millionaire forwards a comprehensive plan for investing in and making money from real estate rental properties.
Motivated by the financial crisis in 2008, Chammas decided to take control of his own financial future. He read books, attended seminars, and took advice from mentors and advisors that resulted in the financial freedom he sought. This book imparts those lessons to others, arguing that most employees have little opportunity to become millionaires through their jobs or via traditional investments; investing in rental properties may be the solution.

The book is organized into four distinct, logical parts: “Where Am I Now?,” “Why Am I Here?,” “Where Do I Want to Be?,” and “How to Get There?” Parts 1 and 2 address general financial issues while parts 3 and 4 concentrate on rental properties.
The first half of the book offers solid personal financial management advice. It discusses the nature of a personal financial statement, explaining in clear, uncomplicated language concepts including assets, liabilities, and cash flow. The book also explains the concept of a “dashboard” of financial key performance indicators (KPIs). It walks through a thorough example of the KPIs and provides a handy spreadsheet model for a dashboard, both in the book and online.
This material is well explained and illustrated and should be valuable to anyone who wants to better manage their personal finances. Still, developing KPIs may be a sophisticated concept for some readers.

The second half of the book digs deep into a single investment strategy: investing in rental properties by leveraging “your position as an employee to qualify for bank loans” to “put you on the road to being wealthy.” For those skeptical about such an approach, the book addresses the psychology of taking appropriate risks and overcoming “limiting beliefs” with “empowering beliefs.” It outlines a “three-step journey to financial freedom” that becomes the starting point for a detailed discussion of rental property investments.
While the book is careful not to characterize its proposed investments as a get-rich-quick scheme, it still presents rental property investments in a largely positive and enthusiastic manner. The text is reinforced with relevant examples. For the prospective real estate investor, the “rental property investment blueprint” is likely to be the most valuable part of the book. It is a step-by-step, soup-to-nuts guide, including information about getting loans, property analysis, offer negotiation, property financing, rental policies, and property management. Each of ten separate steps is described in exhaustive but lucid detail.

The text is augmented by numerous tables, charts, mathematical formulas, and forms, all of which are very helpful in clarifying the content. The book’s “me-to-you” style of writing is conversational and informal yet businesslike. The page layout is conducive to easy reading.
The Employee Millionaire concerns a very specific form of investing that may not be right for everyone, but for those interested in investing in rental properties, this expertly written book offers the necessary guidance and support.
Here’s How “The Employee Millionaire” Changes Lives  
Ordinary people in everyday jobs turn their financial, professional and personal lives 
around using proven methods of creating passive rental property wealth 
Theda Davids-Muller
UAE Advisor, Mentor, Visionary Entrepreneur, Real Estate Specialist, IT/Telcoms/ITIL Eng., Author, Writer, Keynote Speaker, Banker, Start-up Specialist, Supreme Legacy Mentor and Personal Transformational Mentor... 
"The Employee Millionaire offers a proven methodology for creating wealth through real estate"
H. J. Chammas has proved himself to be an authentic mentor who has unselfishly shared his secret to creating wealth with the world. It takes real commitment, dedication and the sheer will to succeed, but before that, a drive and determination to keep on pushing to heights you never knew before, which in my opinion is what H. J. Chammas has applied and the reason for his success. 

Let me assure you that the Golden Nuggets shared in this book, should not be taken lightly, it’s a methodology proven for success, which means H. J. Chammas has helped you avoid the inevitable pitfalls on this journey. It’s the greatest option he has shared as a mentor for those desiring wealth. 
Formal Employee Book Reviews
THE EMPLOYEE MILLIONAIRE
How to Use Your Day Job to Become a Millionaire with Rental Properties - H.J. Chammas
An investor shares tips for generating income from rental properties.
In this debut business book, Chammas guides readers through the basics of developing a real estate portfolio, with the narrative mirroring his own process of learning the ropes. Each chapter ends with concrete action steps for readers, and most include sample work sheets and formulas. The book is at its strongest when it sticks to the mechanics of real estate investing, with solid recommendations for evaluating a property’s earning potential, sample letters of intent and purchase agreements, and closing checklists. Financial concepts are explained clearly, with equations and multiple examples to add to readers’ understanding. Readers interested in exploring real estate investing should find the work a useful primer, covering the fundamentals of the industry in detail and with clarity.
A solid introduction to real estate investment.
THE EMPLOYEE MILLIONAIRE
How to Use Your Day Job to Become a Millionaire with Rental Properties - H.J. Chammas
Book Review - (Reviewed: September 2018)
"Chammas lays that foundation with excellent content that includes the financial 'ins and outs' of acquiring rental properties (e.g. strategies for dealing with banks, analyzing rental property opportunities, managing properties). He also provides a thoughtful approach for analyzing less tangible considerations, such as identifying limiting beliefs, balancing lifestyle desires and pressures and managing the moving target of personal motivation.
The Employee Millionaire will appeal to a broad swath of readers who appreciate this intelligent message of hope couched in helpful advice that they can leverage."
THE EMPLOYEE MILLIONAIRE
How to Use Your Day Job to Become a Millionaire with Rental Properties - H.J. Chammas
Clarion Review - (Reviewed: September 2018)
"For those interested in investing in rental properties, this expertly written book offers the necessary guidance and support."
Here’s How “The Employee Millionaire” Changes Lives  
Ordinary people in everyday jobs turn their financial, professional and personal lives around using proven methods of creating passive rental property wealth 
OLD YOU
  • Never enough cash for the lifestyle you desire
  • Life choices always restricted by income
  • Uncertain financial future - decisions not your own
  •  Can’t invest because don’t have cash
  •  Doing work that you have to do
  •  Stuck with a salary that your boss decides
  •  Zero job security - the next downturn / reorganisation could be the end of  your job
  •  Huge portion of your week spent at work - no chance of that  changing
  •  Not knowing how to create passive, increasing income
NEW YOU
  •  Plenty of excess cash - and it always growing
  •  Income expands to meet the choices you make
  •  Secure finances based on your plan for your own future
  •  Using employee status to start small then grow big
  •  Doing work you want to do
  •  Setting financial targets that you decide -  then building a portfolio to achieve them
  •  Ultimate security - rental income exceeds outgoings and tenants are buying the property for you 
  •  Huge portion of your week doing exactly what you want to
  •  Having a clear roadmap to ongoing passive wealth

OLD YOU
  • Never enough cash for the lifestyle you desire
  • Life choices always restricted by income
  • Uncertain financial future - decisions not your own
  •  Can’t invest because don’t have cash
  •  Doing work that you have to do
  •  Stuck with a salary that your boss decides
  •  Zero job security - the next downturn / reorganisation could be the end of  your job
  •  Huge portion of your week spent at work - no chance of that  changing
  •  Not knowing how to create passive, increasing income
NEW YOU
  •  Plenty of excess cash - and it always growing
  •  Income expands to meet the choices you make
  •  Secure finances based on your plan for your own future
  •  Using employee status to start small then grow big
  •  Doing work you want to do
  •  Setting financial targets that you decide -  then building a portfolio to achieve them
  •  Ultimate security - rental income exceeds outgoings and tenants are buying the property for you 
  •  Huge portion of your week doing exactly what you want to
  •  Having a clear roadmap to ongoing passive wealth
Wealth Growth Made Simple! 
  •  Step By Step - Absolutely NOTHING Left Out. 
  •  For Beginners - Clearly Explained, No Jargon & Keep Your job While You Build Your Portfolio
  •  Thousands Have Done This - Now It’s YOUR Turn.
  •  Instant Access In Seconds!  
  •  A Super Straightforward Investment Programme.  
  •  Start Small, Grow Big - In Your Own Time And At Your Own Pace.
Wealth Growth Made Simple! 
  •  Step-by-step - absolutely nothing left out. 
  •  For beginners - clearly explained, no jargon Keep your job while you build your portfolio
  •  Thousands have done this - now it’s your turn.
  •  Instant access in seconds!  
  •  A super-straightforward investment programme.  
  •  Start small, grow big - in your own time ... at your own pace.
Our 30-Day Guarantee for Your Satisfaction  
No Risk Money-Back Guarantee - You Simply Cannot Lose!  
Remember:  
This is a programme for people who want to work their way to wealthy independence It’s for people who want to use their employed status to create ongoing passive income from their property portfolio.  

It’s for people who might want to eventually leave their 9 to 5's and enjoy a life where they - and not their boss - decide how they’ll spend each day. 

If, after buying this book you discover that this isn’t you.... tell us within 30 days and we’ll give you your money back!

Our programme is proven so we can confidently offer you a risk-free guarantee - take advantage of it today!  
Our 30-Day Guarantee for Your Satisfaction  
No Risk Money-Back Guarantee - You Simply Cannot Lose!  
Remember:  
This is a programme for people who want to work their way to wealthy independence It’s for people who want to use their employed status to create ongoing passive income from their property portfolio.  

It’s for people who might want to eventually leave their 9 to 5's and enjoy a life where they - and not their boss - decide how they’ll spend each day. 

 If, after buying this book you discover that this isn’t you.... tell us within 30 days and we’ll give you your money back!

Our programme is proven so we can confidently offer you a risk-free guarantee - take advantage of it today!  
This is Truly a Limited Time Offer... 
So Claim Yours Now Before They’re All Gone!  
Join the worldwide family of employee millionaires!  FREE Done-for-you checklists, templates and planners  makes building your property wealth even easier.  
This Is Truly a Limited Edition Offer, So Claim Your Personal Workbook Now Before They’re All Gone..  
Join the worldwide family of employee millionaires!  FREE Done-for-you checklists, templates and planners  makes building your property wealth even easier.  
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