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About Books [Free eBooks] The Millionaire Real Estate Investor by Gary Keller BEST SELLERS: none Creator: Gary Keller Best Sellers Rank. READ PDF Online The Millionaire Real Estate Investor By Gary Keller [Free Ebook] #Mobi. The Millionaire Real Estate Investing Series (EBOOK BUNDLE) by Gary Keller. Read online, or download in secure PDF or secure EPUB format.
A real model for success that works in the real world and not just in the bookstore. If you have the desire and you apply the lessons of The Millionaire Real Estate Investor, wealth and success are sure to follow. This book turns that fear into the confidence they need to begin building their financial future. Gary and Dave have done an exceptional job of pulling it all together. The Millionaire Real Estate Investor is a concise, easily understandable, very engaging, condensed version of the combined experience of us all.
McGraw-Hill Edition: With over 25 years of industry and investing experience, he's bee We want your feedback! Click here. Subjects Business Nonfiction. Business Nonfiction. Publication Details Publisher: No matter what you call it, many people believe that luck is one of the essential ingredients in real estate investing. Success in real estate investing is no more about luck than is success in anything else in life. It is by definition beyond your control.
Through the use of proven strategies and time-tested models, they make luck unnecessary—they take it out of the game. One afternoon, over a game of Monopoly with my wife and son, I got the opportunity to illustrate to my son how champions use models to circumvent luck and maximize their likelihood of winning.
John hesitated. But in the end he made the trade and gave me the final piece of a key monopoly. Within a handful of turns John landed on one of my hotels and had the misfortune of going to jail and the double misfortune of rolling out only to land on my monopoly again.
Just like that, he was knocked out of the game. Afterward John asked me what I meant when I said Monopoly is not just about luck. And if you follow them, you may not win every time, but you will significantly increase your odds of winning most of the time.
Do you want to learn? We read it together, and I could see that for him a realization was sinking in. There was a way to win—a model to follow—and when you understood what to do, it seemed that it would be harder to lose than to win. He now knew the difference in the game between the good real estate deals and the great ones.
He knew what to do and what to avoid. John later talked his uncle into playing and whipped him soundly too. Almost everyone has played Monopoly at one time or another, but very few people understand that there is a clear way to maximize their chances of winning the game.
The best players know which spots on the board get the most traffic and which ones have the highest return on investment. They also know how to acquire the most advantageous monopolies without having to land on those spaces. They network, they trade, they barter and find ways to make deals work. It may be an oversimplification, but to me this all sounds a lot like the real-world game of real estate investing. The question is: How do you take luck out of the real real estate investing game?
First, you learn to play the game. Second, you learn to win the game. Playing well and winning consistently both start with learning proven, time-tested models. Do it one way and get one result; do it another way and get a better result. I began to understand that for me there was clearly a good way of doing things. Along the way I also learned there was an even better way of doing things. I had to do things the best possible way.
When I was learning to play the guitar, if I rehearsed one way, the music sounded good. If I rehearsed another way, the music sounded great. But if I rehearsed the best way over time, it sounded awesome. In retrospect it seems obvious, but it took time for me to notice the pattern: The way I did things mattered.
It mattered a lot. By paying close attention to my outcomes, I started to uncover the best ways to do the things that mattered to me. By being intentional and purposeful, I started to find success in the things I pursued. But when the outcome really does matter, this kind of careful approach makes all the difference. Naturally, I started looking elsewhere and turned to books, teachers, mentors, and even consultants for advice; that became my path.
And they all seemed to point in one direction—You could learn from history. Books recounted success stories. Teachers alluded to research. Mentors taught from experience, and consultants often cited the specific best practices in an industry.
I could start in where someone else had left off. I could give up my need to do in order to learn. In fact, in this way I could learn even faster. In fact, I like to say that some of my best thinking was done by other people.
One book in particular, Unlimited Power, by Anthony Robbins, helped me both put a name to what I was looking for—modeling—and devise a process for finding those proven models.
Simply put, if you look to the very best people in a field and study what they do, you often can repeat their success. The key is to learn how they achieved their goals and then understand why they did it that way.
When you grasp these two things, you can start where they left off. Thus, I became a collector of success stories and models, and over time I discovered that every success story worth exploring had three fundamental parts: That process—think, plan, produce—soon became the basis for my personal success formula: The Big Goals push you to think big and see new possibilities for your life.
And Big Models make those possibilities more probable by giving your actions the foundation of proven, time-tested methods. We all have personal ceilings of achievement that are based on our current thoughts and habits. Implementing the lessons learned from your own trial and error can raise that ceiling, but only so far and so fast.
Proven models, in contrast, can help you raise your level of achievement dramatically in a relatively short period of time. With models you get to skip whole legs of the race and get the momentum and speed of those who ran before you. It is a huge leap of faith to assume that those starting at the bottom, with only their own knowledge and experience, will ever reach the place where a proven model begins.
To move forward in life, everyone has to learn from mistakes. The only question is whose: Through many months of intensive research, interviews, and mastermind group meetings, we did just that. These were career investors who had purchased an average of around properties and even a few who had bought and sold over 1, properties in their investment careers.
Successful investors clearly follow proven models, and those proven models for selecting, buying, and owning real estate can generate the kinds of remarkable results those investors have achieved. They are the models presented in these pages. A proven model is simply a method or system used to produce desirable, repeatable results. Although no model can guarantee success, a proven model built on the best practices of high achievers almost always will maximize your chances for big success over time.
In other words, big models lead to big success. They also give you confidence in your actions, an understanding of whether you are doing the right things. They are everywhere. I follow them. You follow them. Everyone follows them. Overview 21 brush their teeth, lace up their shoes, bake a cake, balance a checkbook, iron a shirt. You use these models to maximize the effectiveness and efficiency of your actions.
That is how you get what you want more predictably, more of the time. Just as these models help take the stress out of your daily life, you can use models to reduce stress, improve efficiency, and maximize results in your investment life. The models featured in The Millionaire Real Estate Investor are the ones master real estate investors use to minimize risk and maximize profit when buying, holding, and selling properties.
They paid for it with their own time, effort, and money. Heard of any good deals? Would you like to see it? But it seemed like a fun thing to do, and so we agreed to take a look. She related that the owners lived out of town, as did their agent. Mary and I had been coming to that beach for years and, being real estate agents, always picked up the real estate magazines and perused the market.
We had a decent understanding of values and imme- 22 The Millionaire Real Estate Investor diately recognized that the condo apparently was listed well under its market value. The agent agreed. I remember her words to this day. To give you a sense of how this memory has stuck with me, I remember every aspect of that moment.
I was sitting in the den in my favorite armchair and calling from my black cordless phone. When the agent picked up and I told her we wanted to buy the condo, she just laughed and laughed. Truthfully, I feel sorry for my wife, who had to spend the rest of that evening with me. I was embarrassed, preoccupied, and a little grumpy. Here I was with every advantage. I had been working in real estate for over a decade.
I knew the business. I knew how much money could be made through investing in real estate, and still I had let this opportunity pass me by in a moment of indecision. Anyone could have bought that condo! Even people who might not have qualified for financing personally probably could have bought a shortterm option for a few hundred dollars and had investors lining up outside Overview 23 their doors to partner on the deal. Plus, I was asking the wrong questions. A true real estate investor would have had the confidence to act when the opportunity presented itself.
Is this the day I find an opportunity and make a deal? I needed to learn how to become an investor. That meant I would have to learn to think like an investor and then act like one. I vowed never to make that mistake again.
I knew that I had to learn. I had to learn how to recognize an opportunity when I saw one and understand the appropriate action to take. I needed to know how to build financial wealth through smart investing. I needed to learn how to become an investor—a great one. And I knew that somewhere there had to be the best models for doing that. Within weeks I began having regular breakfasts with Michael, an old college pal who was then a financial advisor with his own television show.
After the show we met for breakfast and continued visiting. We had so much fun and learned so much talking about business that I suggested that we do it on a regular basis.
Before long we were meeting every other Tuesday morning for breakfast. At the very first meeting Michael quickly discovered that I was a businessperson, not an investor, and so the topic of discussion each breakfast was investing or, to put it another way, how to grow financial wealth. This was my personal investment group, a club with only two members.
Michael was committed to turning me into an investor, and it worked. We read every important financial author from Buffett to Rohn and shared our observations. Michael encouraged me to keep a personal balance sheet, a one-page document that summarized my net worth. Being rich is about having money. You can have a job and be very rich. The problem with this is that the money stops coming to you when you stop working for it. Financial wealth, by contrast, is about owning assets, such as businesses or real estate, that generate money for you.
Quickly, Michael taught me that I wanted to be financially wealthy instead of just rich. For over 10 years I met with my friend and learned. After a time I began acting on that new knowledge. One of the first things I did was to recognize a good real estate opportunity and act on it. Coincidentally, my first investment as a true real estate investor also happened to be a condo deal.
While I was interviewing someone for a sales position in one of my real estate offices, the conversation turned to commercial real estate. I Overview 25 asked, as the investor I had become, what I now always ask: This time there was no hesitation. I immediately set up a showing for the next morning. I looked at the property, understood that it was priced below market value, and quickly made an offer.
It turned out that the price was a steal, and other buyers quickly lined up to buy it, only to find out it was already sold. The good news is that I bought it the way an investor would. I recognized the opportunity, acted on it, and many years later sold the property for just under half a million in net profits. They have been around for ages. Most timeless truths are like that: When you understand the timeless truths about financial wealth building—how money really works—when you can recognize a great opportunity and are ready to act on it, your world changes.
And there is no better place to begin learning these financial wealth-building lessons than the arena of real estate investing. Joseph M. He attributed some of his findings to the statistical work of the Italian economist Vilfredo Pareto, who had observed that 80 percent of the wealth in his country was owned by 20 percent of the population.
These days we simply call it the The idea that 20 percent of your actions lead to 80 percent of your results may be one of the most powerful principles you can apply to your life. The They know what matters and when it matters most.
As you move toward becoming a successful real estate investor, you too will gain that level of focus. Although the results that come from that focus may start slowly, over time they will grow substantially. When we conducted our interviews with high achievers in the real estate investment world, our goal was to discover the fundamental concepts they focused on day in and day out without distraction. In which areas did they strive to achieve mastery? What we discovered is that these investors focus on three simple but incredibly dynamic forces at the heart of real estate investing.
In fact, these three forces are at the core of all investing: Criteria, Terms, and Network. Criteria describe what you buy. Is the property a single-family or a multifamily? What is the construction? Does it have the right features and amenities that make it attractive for resale or rental? Most important, where is it located? They are a foundational piece of your investment strategy.
When the property 28 The Millionaire Real Estate Investor you find matches your Criteria, what you get in return is something with predictable value. And just as good Criteria are the backbone of successful real estate investing, bad Figure 3 Criteria or no Criteria at all have been the downfall of many a would-be investor. Criteria are ultimately about identifying predictable value, and that is why they are the first area of focus for the Millionaire Real Estate Investor.
Once a property meets your Criteria, Terms determine its value to you both now and for the future. Terms are the negotiable aspects of a purchase, and they include everything from the offer price, down payment, and interest rate to conveyances, occupancy, and closing costs.
Every investor we asked told us that Terms are where a great deal can be created from even the most modest Criteria. A skillful negotiation of Terms can lead to a better equity position, improved cash flow, and sometimes both.
Terms are about maximizing financial value and represent the second area of focus for the Millionaire Real Estate Investor. It is about understanding the financial fundamentals of a Figure 4 transaction, knowing which elements are flexible, and being systematic about getting all you can from every deal.
Remember, you make your money going in, not going out. You buy right and let the market go to work for you as opposed to buying less than right and hoping the market will save you.
The Millionaire Real Estate Investing Series (EBOOK BUNDLE)
Buying right means getting the right Terms. Your Network is who helps you in your investing. When we were attempting to pin down the critical areas that make the biggest difference in real estate investing, Network was a surprise contender. The idea of the individual entrepreneurial investor beating the streets for deals is what comes to mind for most people.
But again and again, throughout our research, investors referred to all the people who helped them succeed. They had relationships with people who sent them opportunities, mentored them, helped them buy and maintain their properties, and in many cases provided services that enabled them to do more while spending less time and effort.
As a businessperson, I call this leverage: From real estate agents to contractors and property managers, you will need help. The advice we provide in these pages will help you both select the best and work successfully with them over time. Remember, Criteria identify, Terms determine, and your Network supports all the investing you do. Mastering these three areas will give you the greatest chance for longterm success and place you solidly on the path to becoming a Millionaire Real Estate Investor.
First, you must learn to Think a Million think like a Millionaire Real Estate Investor before you make your first move. Learning to think like a Millionaire Real Estate Investor will give you the greatest chance of becoming one.
The goal is to equip you with the working models you need to purchase investment properties with a market value of a million dollars or more.
Believe it or not, this is not the huge leap you might imagine, and many investors reach that mark long before they ever expected they would. Buy a Million is about the fundamentals of acquiring properties, holding them, and in some cases selling them. Buy a Million applies the power of Criteria, Terms, and Network to launch your career in investing. We call this stage Own a Million.
This is when you will realize that the investing you have done has blossomed into a bona fide business. With that transformation come a set of issues specific to that level of ownership. Acquiring properties through credit potentially becomes more difficult, cash becomes a commodity, and managing your investments could require help from several quarters. This stage involves dealing with and often balancing cash flow with asset or equity buildup.
It certainly involves understanding the surprisingly simple realities of tax and owner entity issues. The good news is that by understanding these issues from the beginning you can plan for them.
That is what the models in this book are intended to help you do. Think of it as the summit, a place where only the best have gone. Receive a Million is when you are in a position to receive an annual income of a million dollars from your investments.
Although you can step out at any point along the way, it is my hope that you will set your sights on a big goal. Or you can wait and receive more down the line. It begins with a state of mind, a way of looking at the world, and ultimately evolves into a way of life. Financially wealthy people think differently from the rest and as a result make different choices and enjoy more freedom in their lives.
This book is about one of the best ways I know to build financial wealth: Real estate is accessible to all and is easily one of the most leveraged ways to build wealth. The biggest obstacles most people face are their own doubts and fears. Building financial wealth can seem both daunting and dangerous. Learning how to get past those fears is our next task. We will encourage you to shed any baggage that might slow you down. Then, armed with proven big models and powered by your big goals, you can go confidently for big results.
You can follow the path of the Millionaire Real Estate Investor. It is a journey of financial wealth building. It is a journey worth taking. It can be your journey too. Is today the day I find an opportunity and make a deal? A proven model built on the best practices of high achievers in a given area will produce the most desirable and predictable results as well as maximize your chances for continued success over time. They implement big models to minimize risk and maximize profit when buying, holding and selling real estate.
Overview 35 This page intentionally left blank. Karl A. For sale are implements such as the hammer of hatred, the scythe of spite, the maul of malice, and the dagger of deceit. I call it the wedge of doubt. When all my other tools fail me, I know I can always rely on doubt and discouragement to break the heart and shatter the will of man. As surprising as this is, the moral of this fable is quite clear: People doubt either their abilities or the possibilities.
Almost without fail, at one time or another, these high-achieving investors had to confront a persistent fear or a nagging doubt about investing that later proved to be unfounded. Because there are always deals.
While these doubts and fears seldom are addressed in other invest- The Millionaire Real Estate Investor ment books and seminars, the Millionaire Real Estate Investors we talked to impressed on us how important it is to address these subtle yet powerful misgivings early in the game. And after some consideration, two distinct categories of MythUnderstandings emerged from the research: Your MythUnderstandings about the way you look at yourself as an investor 2.
Your MythUnderstandings about the way you look at investing This surprised us. Investing, by Definition, is Not Risky Myth: People generally have two ways of looking at anything: The image you have of yourself as an investor becomes the lens through which you see the world of investing, and that self-image will either guide or misguide you.
Interestingly, any myths you have about yourself as an investor tend to magnify your misunderstandings about investing. It is highly unlikely that your job creates enough income for you to set aside a manageable percentage of it and, at an average rate of interest, still achieve true financial wealth.
All the modest saver of old and the modest investor of today actually build is a small financial nest egg to provide for their most basic needs. When most people stop to do the math, they are shocked at how little income their current investment plan will provide when they quit working. The truth is that only a tiny percentage of people, probably less than 1 percent, make enough income from their jobs to become financially wealthy. The extraordinary compensation these people receive is so large that they easily could live off a fraction of their income, invest the rest, and even with modest rates of return achieve financial wealth.
The operative word here is could. They cling to a far-fetched assumption that their jobs will continue to provide these extraordinary streams of income. In fact, the more money people make, the more overconfident they tend to be about their financial future.
Prosperity can provide a false sense of security. They may overspend and underinvest to the point that one day they wake up and realize they are on the downslope of their primary income-earning years and their lifestyle is about to come to an end. Others understand they should be investing but then delegate all responsibility for their financial wealth building to other people. How many times have you read about athletes, actors, musicians, and businesspeople filing for bankruptcy?
The fact is that people tend to spend money in direct proportion to the amount they earn, and any extra money that comes along gifts or bonuses is earmarked for consumption before it ever arrives in their bank accounts.
One of the most startling examples I can think of is the story of former heavyweight boxing champion Mike Tyson. Not only did he not manage his money well, it appears 1 As reported in the August 5, , edition of The New York Times. My work is my financial wealth, and others will manage my money.
It is a sad tale but one that, from a financial standpoint, is all too common among high income earners. It is, as they say, easy come, easy go.
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To the contrary: I engage them, have great faith in them, and believe everyone should have them. What I am saying is that wherever your money is, you need to be there too. As the old saying goes, a fool and his money are soon parted. I encourage you to look at your job differently. Your job is the venue where you can earn your initial investment capital, and a percentage of your wages must be dedicated to building up your investment stake.
They made a game of seeing how well they could live on only a fraction of their household income. While you may not be like Templeton, choosing the path to financial wealth will require that you live off less than you make and consume less than the world tells you to.
I love the story of James Sorenson. In the s Sorenson had a job selling medical supplies in the Salt Lake City area and got in trouble for not spending enough money on his sales visits with physicians. About a decade later the uranium boom hit, and those plots sold for thousands. He spent a lifetime thinking like an investor—working at a job he had a passion for and investing for his future.
Ideally, you should look at your work this way: It can be a passion that pays you money for doing what you love to do. Some passions pay more than others, but as history indicates, they rarely pay enough to create financial independence. Your job is your job; financial wealth building is something else. That is how I think Sorenson looked at it, and I encourage you to do the same thing. Most people think that earning money in a job and saving some of it or sticking it in the company retirement plan makes them investors.
It is this MythUnderstanding that causes many people not to become true in vestors. Realize that whatever your job or work is, you also need to be an investor. You cannot predict what life will offer down the road for good or for bad. Complicating everything is the fact that it takes time to grow money. Financial wealth building is not something that can be accomplished in reaction mode.
It is really difficult to find more money just because you all of a sudden want or MythUnderstandings 45 need it. Becoming an investor—someone who pursues financial wealth building every day—is all about preparing for the minimums and maximums in your life: If you choose not to pursue financial wealth, your future more than likely will be defined by extremely limiting financial choices. You may have to scramble to meet your changing needs or do without the things you eventually wish for.
At a point in your life when settling for less might devastate you, you might have to do just that. Let me share with you a revealing conversation I had with one of my students on the pursuit of big financial wealth. Life is going great just the way it is. Fair enough. I truly appreciate your honesty and respect your answer. Do you have insurance? Do you have any car, homeowner, disability, or medical insurance? Insurance takes care of the unplanned or unexpected, right?
My question for you, though, is this: Well, what happens if you suddenly lost your job or, worse, your ability to earn a living?
I understand. But it is a real possibility, and you really should think about it. You know, that scares me a little bit. If they had health issues or experienced a financial disaster, I think I might feel very bad if I were not in a position to help in a meaningful way. No one can know beyond today what he or she might or might not need in the future.
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I gave my student a moment to let the truth of our conversation sink in, and I honestly think it did. What if she had a gifted child who needed special educational opportunities?
What if an MythUnderstandings 47 unforeseen opportunity arose that required more money to take advantage of than she currently had? You also have enough to take care of the critical unforeseen needs that might arise for your friends and loved ones. Now, if you still had an abundance of financial wealth after all those needs had been taken care of, are there other things you might do with your money?
That would make me feel great. I love the idea of your traveling the globe with your folks. Well, of course. Honestly, Gary, there is so much that is needed right here in town.
I got it. What if you had financial wealth such that even after you did all those things, your reach could extend even beyond this town? What could you do?
Who thinks about that? I might even be able to help put a dent in world hunger. Now listen to yourself. Earlier you said it felt bad to think about pursuing more money. I think a lot of people feel that way. What it will do is amplify who you already are. I believe that in the end people are exposed to new possibilities by financial wealth and empowered by it. Instead of being changed by money, it simply allows them to be more of who they really are.
That makes sense to me. More money just makes you more of what you already are. Your hypothetical responses just prove the point. Having more wealth would just amplify your generosity. So tell me, how does this new view of your financial potential make you feel? Honestly, it makes me feel inspired. Yes, inspired. Inspired that my life could be so much bigger than I ever thought was possible. You know what? See, this is the kind of thing that happens when you pursue maximums for your financial life instead of minimums.
Suddenly money can become good for the good it can do. And the more you have, the more good you can do. I appreciated the candidness of my student and her willingness to allow me to talk to her in this manner. She realized that there are two types of people in the world: First, there are those who because they chose not to build financial wealth have limited opportunities to care for themselves and their loved ones.
Second, there are those who because they chose to pursue financial wealth as an investor have much larger opportunities to care not only for themselves and their loved ones but also for so much more.
Later, as you might expect, she and I began to talk about how to make more money. This curiosity is the natural result of 50 The Millionaire Real Estate Investor imagining how big your wants and needs might become.
You progress from seeing that it might be possible to believing that it should be, and then you realize that you are now motivated to seek financial wealth to your highest potential. Now I'm getting serious about real estate investing and I'm more motivated, so I easily finished it.
My biggest gripe about the book is that the organization of it confused me. The first half was fine, but when I got to "Own a Million" and "Receive a Million" I got confused about the purpose of those sections. There is some duplication of information in the sections, which further confused me. Once I figured out what the author was trying to do, it made more sense, but I still don't like the organization of the book.
I'm a relative newbie to real estate investing, so I can't say where this books ranks among the many books out there. I will say, though, that there is a lot of info packed into the book, so I found it very useful.
Like most real estate books, it's pretty generic stuff. There's nothing wrong or weird in it, it's just superficial like most other books in this category. It seems like people want to get you hungry to be rich more than they want to give you concrete skills for analyzing good and bad deals and giving specifics. Honestly, I've learned about x more from a few property investors in my area over dinner than I've learned from just about any book.
It's good for beginners but if you own even one property, you won't learn much. Excellent book. I own a couple properties and not all the info was new to me and I think you can find much if the info online, but not in a well written and well compiled way like this. I was validated in my thinking and strategy. I found the success stories particularly helpful as they show you what is possible and that normal people can do this.
I would highly recommend it. Written by an experienced real estate guy. I wish I would have heard or read this info 20 years ago. One person found this helpful. See all reviews. Amazon Giveaway allows you to run promotional giveaways in order to create buzz, reward your audience, and attract new followers and customers. Learn more about Amazon Giveaway.
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