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.

    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.

     Catherine Howard, the Duke of Norfolk’s niece, is raised in the very free atmosphere of her grandmother’s palace. Here she becomes aware of her own sexuality and the exciting effect she has on the men at court around her. She is also an unknowing part of her uncle’s devious plan to obtain more influence with the king - he pushes her onto the newly-divorced and lovesick King Henry VIII who is looking for a fifth wife. Meanwhile, John Butcher has become a guard in the dreaded Tower of London. He guards the king, witnesses the executions of Anne Boleyn and Thomas More and takes part in the fighting in Ireland. However, when he returns to London, his meeting with Catherine Howard, the king’s fifth queen, produces unexpected and dramatic results. In D. Lawrence-Young’s second Tudor novel we learn how Catherine Howard’s passionate nature mixed with the murky, deadly politics of the Tudor court and a furious king produce a classic story of passionate love, disappointment and revenge on a royal scale.

    The Calm Birth School teaches and supports modern women (and their families) how to create calm and positive birth experiences that make them want to shout from the rooftops for all the right reasons. This comprehensive how-to guide will teach you all you need to know about hypnobirthing without morphing you into a new-age hipster. You’ll learn: The science and psychology behind why you don’t have to give birth in agony. How to work with your body and breath, defying the birthing horror stories you’ve heard and allowing your body to do what it was designed to do. A total mindset overhaul that will not only create a calm, positive birth but which will also empower you in every area of your life.Breathing techniques to enable you to deal with any stressful situation calmly and effectively: before and during birth, and beyond.Exactly what you need to do to enjoy every step of your pregnancy and birth, whether things go according to plan or not.So if you are a control freak; if you’re scared out of your mind about giving birth; if you believe in your body but do not want to waft a joss stick around your lady parts… This book is for you. With lots of juicy bonuses like birth preferences planners, a confidence building Mp3, practice schedule and lots more included you'll have everything you need to create the positive birth experience you deserve. Suzy Ashworth is a pregnancy coach, hypnotherapist and psychotherapist with two children and a growing bump. She has a passion for showing women exactly why they can and should believe in themselves, empowering them to create mind-blowing birth experiences.

    With a lucrative job, a wife, and a home of his own, he was destined for a life of fortune, prosperity and comfort. That was before heroin. This unique and gripping tale is the first of its kind to tell the story of addiction through the eyes of both father and son. Together, Dustin and Dallas shine a blinding light on the dark life of a junky. As Dustin decides to travel across the western states in search of a safe haven, Dustin wanders within a few footsteps of his own demise. Instead of finding freedom, however, his addiction cascades into corruption, deceit, and evil. As alcohol and drug abuse continues to ravage every community in America, this groundbreaking memoir offers important insight into the inner workings of an active user, as well as the pain of those loved ones who must helplessly stand by as the family structure disintegrates from addiction.

    You might never again have to hear the words: "Mommy, Ann drooled on me on purpose." You could have the answer for every "It's not fair!" your kids have ever whined at you. Constant sibling squabbling--and the ensuing demand that you pick a side, quick--can wear parents down and totally drain the fun right out of family life. Now in this groundbreaking book, Dr. Anthony Wolf offers a whole new strategy for coping. In a fresh, funny, and straightforward way, Dr. Wolf presents three essential rules for dealing with sibling arguments--rules that, if followed, completely remove the root causes of bickering. From teasing and hitting to rivalries and boundaries, Dr. Wolf addresses a wide range of issues, and he does it with humor and a pitch-perfect ear for actual kid/parent dialogue. This is a book about real children--who they are, what they want, why they act as they do, and what you can do to alleviate the strife between siblings.

    Holistic health coach and recovery expert, Joe Baldizzone, knows first-hand what it's like to live with depression and how to recover from debilitating panic, as well as addiction. In this book you will find simple strategies to help you get started on your own path to recovery. Do you feel anxious most of the time? Are you overwhelmed with persistent worries? Is depression keeping you in the house? Have you reached for drugs and alcohol to cope? Are you considering going to see a psychiatrist, but scared of being put on medication? If you're looking to change your life and find happiness without doctors and medications, try the proven methods Joe has to offer. Learn about Joe's recovery and how to use the 50 tools that have helped him as well as countless other people.

    

    Julie works at one of two major hospitals in Chattanooga, TN. Terrorists Released a weaponized virus the week before, flooding hospitals with the sick and dying. While at work she gets a text from her husband that nuclear tipped missiles have been found on two freighter in the Gulf of Mexico. Then the power goes out for good. Julie has three days to make it some 40 miles home through thee most dangerous, drug-infested part of the city before her husband bugs out to their safe haven or she'll be on her own. Then the virus starts affecting many of the infected, causing them to act absolutely insane.

     The day her kitchen ceiling collapses on top of her, Patty’s life unravels. Whether a sign from above or plain bad luck, she has no idea. But her brush with death shakes her to her core. With no boyfriend, no plans, and no where to stay, she leaves her condemned home and heads to California wine country to be near Cece, her best friend, confidant, and quintessential voice of reason. A few days in the quiet small town of Clearwater will give her the comfort she needs to contemplate one of life’s most enduring questions: "What now?” But instead of quiet and comfort, Patty is met with even more troubles—Cece suffers a crisis of her own, a new friend ropes her into a demanding situation, and an enticing yet complicated man has her spinning toward romantic disaster. However, it’s the mysterious arrival of her younger sister that pushes Patty to the brink and forces her to question everything she thought she knew about her siblings and about the family that rejected her. Now, faced with a monumental decision, Patty has no choice but to gamble on the one person she trusts the least —herself.

    Winton Chevalier has lightning wits and surprising tenacity. He’s not a cop, but comes from a family of lawmen, and possesses a mind that’s as limber with evidence analysis as it is with a cutting joke. In many ways he’d be the perfect man for the job — but he has physical limitations and no experience investigating a kidnapping. Nevertheless, his dying father’s last wish propels him headlong into a sinister world where men kill for nothing. If he and his brother are to survive, Winton must harness old wounds and his indomitable will. In a world of shadows, he must cast the longest shadow of them all.

    They fought in all the major air operations. Thousands lost their lives. Only one in four aircrews completed their bomber tours: some were killed in action, some in training, others became prisoners of war. All volunteered. These are the stories of the valiant Canadians who fought in this brutal war.

    Into primary training, the voyage overseas, and being sunk in the Mediterranean sea. Resuming the voyage on a bluddy awful peacetime troop ship. Deolali, being held back for glasses. |No Jungle training, which it would seem most everyone else got. The siege of Imphal, then more than 500 miles chasing the Japs out of Burma. The dropping of the atom bomb which saved us from the invasion of Malaya.

    

    The work was back-breakingly hard, but the Tate & Lyle factory was more than just a workplace - it was a community, a calling, a place of love and support and an uproarious, tribal part of East London.<P>‘Joan had joined Tate & Lyle expressly for the social life, and she was determined to make the most of it. She could see that her old friend Peggy already had an established group of her own among the sugar girls, so she set about building a new set of friends. It wasn’t difficult for Joan, whose cheerful self-confidence, natural chattiness and naughty sense of humour acted as a magnet to those around her.’</P><P>In the years leading up to and after the Second World War thousands of women left school at fourteen to work in the bustling factories of London’s East End. Despite long hours, hard and often hazardous work, factory life afforded exciting opportunities for independence, friendship and romance. Of all the factories that lined the docks, it was at Tate and Lyle’s where you could earn the most generous wages and enjoy the best social life, and it was here where The Sugar Girls worked.</P><P>This is an evocative, moving story of hunger, hardship and happiness, providing a moving insight into a lost way of life, as well as a timeless testament to the experience of being young and female.</P><P>Includes Joan’s own personal photographs of life as a sugar girl.</P>