Whether you are a rookie or an established Broker, this is the guide you need to lay the foundations for long-term success. Author Dustan Woodhouse has packed this book with dozens of tips and lessons gleaned from personal experience processing over 1,300 mortgage files and taking in over 2,000 applications verbally. You'll learn... - The old-school piece of technology that's every broker's best friend - How to have a complete application built by the time the very first phone call ends - When smart brokers decide to walk away from a file - Where to invest your marketing dollars (and where you'd just be throwing that money away) - How to trade cold-calling for warm-calling - How the "paycheque mentality" can sink your business, and what to do about it Every step, every tip, every process is aimed at building long-term relationships with clients and referral partners alike. It's all designed to get you to the holy grail of a referral-only business. Your mantra? Get the application. Here's how to do it.

    Even in Hell, love can bloom.

    Few others can offer such a remarkable insight into life at Anfield from Shankly to Houllier and beyond. Born in Liverpool in 1954, Phil later moved to his spiritual home of Kirkby where his footballing abilities were soon noticed and he quickly acquired a range of schoolboy honours before signing professional forms for his beloved Reds in 1971.As he staked a claim for a first-team place, Kop messiah Bill Shankly would memorably declare: “Aye, Phil Thompson. The boy tossed up with a sparrow for his legs and lost!”Shanks, however, was in no doubt about the young Thommo’s qualities and Phil would go on to claim a host of Anfield honours including seven League Championships, three European Cups, two League Cups and an FA Cup.The proudest moment of his footballing life came in 1981 when he led the Reds to a third European Cup with a 1-0 defeat of Real Madrid in Paris, later parading the trophy at his local pub, The Falcon.He left the Reds after winning 42 England caps before returning to Anfield in a coaching capacity under Liverpool player manager Kenny Dalglish.Despite being controversially sacked by Reds boss and former teammate Graeme Souness in 1992, he sensationally returned to Anfield as Gerard Houllier’s right-hand man in 1998, going on to revive the glory days by claiming a famous treble of trophies in 2001.Coming full circle and happy to be a fan again, he shared in the joy of the Reds’ 2005 Champions League triumph in Istanbul – as highlighted during remarkable scenes on SKY TV.

    

    In the London office my new boss Victor tells me I shall be working in a regional office - and he wants me to drive there. I am to deliver Victor's shiny Jaguar: his pride and joy. The office is in Calcutta. This all sounds like fun to me. A month long holiday. How bad can that be I think and decide to invite my friend Douglas to come along for the ride. This will be a road trip to die for I tell him. Victor's P.A. Shirley is the all seeing eye. Nothing gets past here. I have to report in on my progress at key points on the route. Shirley is going to be watching me. 'If you so much as scratch it you're dead.' I laugh, what could possibly go wrong....? well just about everything. We were OK up till Trieste; then a goat got in the car - after that it was downhill all the way to Calcutta.

    As a member of the Nolan sisters, Coleen Nolan was born into the spotlight and has stayed there ever since. She has now become one of the nation's favourite TV presenters and is used to newspapers and magazines claiming to have the inside story of her private life. In No Regrets Coleen finally reveals the truth of what really happened during the last few rollercoaster years, truly the worst of her life. Whilst it's certainly been a traumatic time for the whole family, Coleen is a survivor. First and foremost, she is a mum and is determined to hold her family together. The Nolans finally put aside their infamous feud to rally round their beloved sister Bernie, who tragically lost her fight with cancer on the 4th of July last year, aged just 52. In this memoir, Coleen movingly describes her struggle to deal with the emotional scars that come from losing someone so close and the effect it has had on her own life. In this incredibly candid memoir, Coleen writes with raw honesty about her family troubles, her career highs and lows, and her struggle with her body image. In recent years, Coleen has found herself in both a plastic surgeon's office looking at a £20,000 bill to 'fix her face' and at a breast cancer clinic asking for the removal of her healthy breasts to avoid becoming the fourth sister in the family to be struck down by cancer. Wonderfully warm and moving, and brilliantly funny and honest, No Regrets will take you from laughter to tears and back again as you share in Coleen's very personal journey.

    But then, matrimony came along and politics suddenly felt like the non-essential elaichi in this Mughlai Biryani called life. When my ‘loved ones’ subjected me to scenarios unimaginable, when as the groom I had to wait for an hour for my baaraat to arrive, when certain ‘rituals’ scarred me with shame for the rest of my life, I so wanted to give it back to the society! And hence, ‘Lehengey and Lafdey’ was born. LnL will raise your ire, tickle your funny bone, and show you everything except what a wedding is supposed to be: a sacred union. In a world filled with romantic novels, where love always wins in the end; patience, perseverance and the insane ability to bear a butt load of crap is required to emerge victorious in the holy war of matrimony. Enough talk! Jump right in and witness a whirlpool of emotions, with a cup of masala chai and some fryums on the side. Put your seat belts on, for it is going to get crazy. Welcome to the world of Lehengey and Lafdey!

    Rushnell shows how to retrace crossroads (a new job, a death, change in relationships) that took us in an entirely different direction, showing how to map the turning points made by coincidences that have guided us throughout our lives. Best of all, WHEN GOD WINKS shows us how to create our own coincidences and turn wishes into winks. He explains his compelling theory of coincidences through a series of incredible stories and motivational writing on how coincidences play a role in all facets of our life, including career, love, history, medicine, entertainment, sports and politics with telling comments from Oprah Winfrey, Barbara Streisand, Mark Twain, Kevin Costner and other celebrities. WHEN GOD WINKS is a fascinating bridge to self-discovery.

    In this book, she writes honestly about these deeply challenging aspects of motherhood and how God works through them to make us more like his Son.This short, easy-to-read book encourages mothers to depend on Christ when they reach the end of themselves. They will find that God will supply what they need to cope with the daily sacrifices and challenges of motherhood, and that he will use these struggles to make them more like Christ.

    With great insight, Chambers discusses the myths of self-sufficiency and eternal optimism, revealing their inadequacy when faced with the destruction of all the humankind values.

    Donald Calloway, MIC, deftly shares his personal insights on topics including Divine Mercy, the Eucharist, the papacy, the Church, confession, prayer, the cross, masculinity, and femininity. The Blessed Virgin Mary is the central thread weaving a tapestry throughout with quotes about Our Lady from saints, blessed, and popes. Certain to become a "tour de force" Marian book for the Year of Faith!

    God used a physical ailment to direct him there, carrying the gospel of the Lord Jesus Christ. The relationship Paul would build with the Galatian converts--and his determination for the truth of the gospel to be preserved among them--led to one of the most passionate letters in the New Testament. Paul would not sit quietly by and let those who'd been liberated by Christ's glorious gospel submit again to a yoke of slavery. He'd send a letter with the volume turned up, calling believers to stand firm in the truth, stay bold in love, and walk by the Spirit. He'd remind them what it looked like to live for God's approval rather than human approval. The eternal words God entrusted to Paul for the churches of Galatia are as needed today as they were when the ink was still wet on the ancient pages.Join Beth and Melissa Moore for a six-week deep dive into Paul's captivating letter to the Galatians. Come to know the letter's original recipients. Study its original context and embrace its timeless relevance. Discover--or perhaps rediscover--what makes the gospel of Jesus Christ revolutionary to those who choose to believe. Find out how everything has changed, now that faith has come.

    A book that offers highly actionable ideas on how every Indian - from a child to a senior citizen can participate in nation building. Gender, age, education, socio economic status does not matter. You don't even have to be within the geographic borders of India. You can be anywhere on the planet and contribute towards making a positive difference in India.From food to environment to water to Swachh Bharat and many more aspects where we can make a positive difference to the country as we go about our daily lives.Stories of unsung heroes from across India will leave you enormously inspired. Citizens have shared their action ideas. The youngest contributor is 7.5 years. The oldest is 104 years.The author invites you to read, reflect and write your ideas and bring them to life with your actions. Inspire India with your actions. Get inspired by the actions of fellow citizens. Join the journey to be an #IndiaPositiveCitizen

    Terrorists and political corruption, school shootings and troubled marriages, impatient online sniping and character assassination--all point to the fact that we do not know how to love one another as Jesus commanded and modeled. We put our own interests and happiness first, despite the fact that the greatest happiness comes through sacrificial love. In this book, Dr. Larry Crabb shows readers how to understand the deep and perfect love we are shown by our Creator and Redeemer, and how to pour that love into other people. This love is about more than being nice and serving others. It's about relating to others in such a way that they feel heard, seen, and valued. This love sacrifices and suffers and keeps loving, even when doing so is costly. This kind of love, says Crabb, is the kind worth fighting for in all of our relationships, and A Different Kind of Happiness shows how to make it a reality.

    A powerful warning about the hidden dangers in today's fascination with the paranormal -- the angel phenomenon, spirit guides, UFOs, vampires, Ouija boards, fantasy games, and others.