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.

    This hands-on guide shows you how to maintain a successful bar, manage the business aspect of it, and stake your place in your town's nightlife. It provides informative tips on:Understanding the business and laws of owning a bar Developing a business plan Creating a menu, choosing decor, and establishing a theme Stocking up on equipment Choosing and dealing with employees Handling tough customers Controlling expenses, managing inventory, and controlling cash flow Getting the word out about your place Preparing for your grand opening, step-by-step This guide cues you in on how to keep your bar safe and clean, making sure everyone is having fun. It warns you about the pitfalls and no-nos that every owner should avoid. There are also helpful resources, such as contact information for State Alcohol Control Boards and Web sites with valuable information.

    Updated web links and expanded appendices provide cutting edge information on action research along with new case studies and examples.

    Marieb and Katja Hoehn have produced the most accessible, comprehensive, up-to-date, and visually stunning anatomy & physiology textbook on the market. Marieb draws on her career as an A&P professor and her experience as a part-time nursing student, while Hoehn relies on her medical education and classroom experience to explain concepts and processes in a meaningful and memorable way. The most significant revision to date, the Eighth Edition makes it easier for you to learn key concepts in A&P. The new edition features a whole new art program that is not only more visually dynamic and vibrant than in previous editions but is also much more pedagogically effective for today's students, including new Focus figures, which guide you through the toughest concepts in A&P. The text has been edited to make it easier than ever to study from and navigate, with integrated objectives, new concept check questions, and a new design program.

    Comprehensive, thoughtful, and in-depth, "Developing Multicultural Competence "goes beyond general discussions of race and ethnicity to include discourse on a broader, more complex view of multiculturalism in clients' and trainees' lives. Both scholarly and highly interactive, this new text strives to present trainees with empirically-based information about multicultural counseling and social advocacy paired with engaging self-reflective activities, discussion questions, case inserts, and study aids, creating opportunities for experiential learning related to cultural diversity considerations and social advocacy issues within clients' social systems. Addressing CACREP (2001/2009) Standards related to the Social and Cultural Diversity core area, the book is broken into four parts: Part One covers key concepts and terms regarding multicultural constructs and cross-cultural communication; Part Two defines social advocacy and identifies the major forms of oppression; Part Three discusses the major cultural and diversity groups; and Part Four develops trainee skills for working with diverse clients, including infusing multiculturalism in how they conceptualize, evaluate, and treat these clients.

    Each book contains fifteen interesting articles on a variety of topics such as: history, religion, the natural world, science, travel, food and more. It is perfect for students of English who want to improve their reading comprehension and will help with exam practice. The eBook includes:● 15 fascinating short articles.● Glossaries which include key words with explanations.● Questions about each text (with clickable links to the answers).● Video links for each article (if your device allows it).This book has articles on the following topics: The Komodo Dragon, Vampires, The Maya Civilisation, Cloning, British Cuisine, Cosmetic Surgery, Stockholm, Papua New Guinea, Cleopatra and more.If you want to improve your reading comprehension AND enjoy the texts you read, download this book now!

    Their dedication and hard work have yielded an authoritative volume that defines and classifies mental disorders in order to improve diagnoses, treatment, and research.The criteria are concise and explicit, intended to facilitate an objective assessment of symptom presentations in a variety of clinical settings -- inpatient, outpatient, partial hospital, consultation-liaison, clinical, private practice, and primary care. New features and enhancements make DSM-5 easier to use across all settings:- The chapter organization reflects a lifespan approach, with disorders typically diagnosed in childhood (such as neurodevelopmental disorders) at the beginning of the manual, and those more typical of older adults (such as neurocognitive disorders) placed at the end. Also included are age-related factors specific to diagnosis. - The latest findings in neuroimaging and genetics have been integrated into each disorder along with gender and cultural considerations.- The revised organizational structure recognizes symptoms that span multiple diagnostic categories, providing new clinical insight in diagnosis. - Specific criteria have been streamlined, consolidated, or clarified to be consistent with clinical practice (including the consolidation of autism disorder, Asperger's syndrome, and pervasive developmental disorder into autism spectrum disorder; the streamlined classification of bipolar and depressive disorders; the restructuring of substance use disorders for consistency and clarity; and the enhanced specificity for major and mild neurocognitive disorders).- Dimensional assessments for research and validation of clinical results have been provided.- Both ICD-9-CM and ICD-10-CM codes are included for each disorder, and the organizational structure is consistent with the new ICD-11 in development.The Diagnostic and Statistical Manual of Mental Disorders, Fifth Edition, is the most comprehensive, current, and critical resource for clinical practice available to today's mental health clinicians and researchers of all orientations. The information contained in the manual is also valuable to other physicians and health professionals, including psychologists, counselors, nurses, and occupational and rehabilitation therapists, as well as social workers and forensic and legal specialists.

    Now available with a personalized online learning plan, this social work-specific book looks at lifespan through the lens of social work theory and practice. The authors use an empowerment approach to cover human development and behavior theories within the context of family, organizational, and community systems. Using a chronological lifespan approach, the authors present separate chapters on biological, psychological, and social impacts at the different lifespan stages with an emphasis on strengths and empowerment.

    This classic, bestselling introduction to a regular program of daily meditation defines meditation's vital role in spiritual living, and features careful instructions, illustrative examples, and specially written meditations.

    Financial planning for life -- from career strategies and consumer credit to investments and taxes to retirement and estate planning -- this handbook covers everything for making those all-important decisions.

    For the student and the professional.

    Written In An Objective And User-Friendly Manner, This Best-Selling Text Continues To Captivate Students By Incorporating Personal Drug Use And Abuse Experiences And Perspectives Throughout. Statistics And Chapter Content Have Been Revised To Include The Latest Information On Current Topics.

    This book is designed to help students expand their self-awareness as they explore the significant choices available to them in the various dimensions of life. As students work through the self-inventories, exercises, and activities and read the first-person accounts of the choices real people have made in response to challenging life events, they will begin to explore themselves, their lives, and their beliefs and attitudes in a way that is personally empowering.

    "The London, Upton, Stone series has helped over 1,000,000 photography students capture their potential. After a very successful first edition, this second edition returns with the most up-to-date industry knowledge. Modeled after the long-running and widely used "A ""Short Course in Photography, " a brief text which presents the medium entirely in its most updated form.

    Enjoy a journey through the eyes of a geek working at one of the most important companies in the world as he walks you through events both large and small. Just don't get caught in the Redmond reality distortion field! What others are saying about "A Microsoft Life": "Any self-respecting geek needs to read this book. Stepto provides an enjoyable and entertaining insight of life inside Microsoft." - Larry "Major Nelson" Hryb, Director of Programming for Xbox LIVE "Anyone who lived through the adolescent years of the computer revolution will alternate between laughing and crying (from laughing) at these great stories from inside the monolith. - Ken Denmead, NYT Bestselling Author, and editor of Geekdad.com