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.

    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!

    

    Sarah Morgan’s only mistake? Finding it.The world holds its breath as the colossal asteroid 2011 AG5 hurtles towards the earth. As humanity is faced with extinction, archaeologist Sarah Morgan is in a race against time to uncover a secret that has been buried for millennia: that an advanced ancestor once populated the earth. As Sarah travels across the continents in search of the truth, she discovers there are those that will kill to protect this most ancient of secrets...Meanwhile, in a clandestine facility below the earth’s surface, Professor Steiner has been charged with overseeing the preservation of the human race. Steiner believes he is on schedule to deliver his task, but as the world is poised on the brink of destruction Steiner’s plans begin to unravel.That which has lain buried may yet prove to be their only hope…Dark Descent (Book 2)The journey begins...Plunged into darkness, the Earth’s surface is shrouded in dust from the impact of asteroid AG5.Whilst the cloud threatens to choke the very fabric of civilisation, Sarah Morgan is being held prisoner. In the depths of a subterranean facility, she has uncovered a deadly weapon; the truth behind the enormous structure buried beneath the Earth.Elsewhere, Professor Steiner and Robert Goodwin may be humanity’s greatest hope, but they must struggle against monumental adversity as an internal battle rages within the Global Meteor Response Council.Running out of luck, choices and time, all must fight to reclaim their chosen paths or watch those around them wither and die.Let There Be Light (Book 3)In the darkness, you can’t always trust the light...A year has passed since the cataclysmic impact of asteroid AG5. Whilst Earth’s survivors struggle against a devastating winter, the world’s finest assemble on the International Space Station for a covert mission that could change the course of civilisation.Back in the U.S., Former Director General Steiner is due to stand trial for masterminding heinous acts of terror. As calls for the death penalty gain momentum, those that sit in judgement are unaware that Steiner holds the key to the survival of the entire human race.Meanwhile, marooned in separate locations within the colossal underground realm known as ‘Sanctuary’, Sarah Morgan and Richard Goodwin are fighting for their lives to reach the surface. Unbeknownst to them, their shared purpose is about to awaken a terrifying denizen of the deep...

    

    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.

    It may not be the bright future many hoped for. Rick’s family and friends have survived the predations of raiders and the ravages of winter. Now they have to leave the radioactive city of Charlotte, striking out for the mountains. Following in the wake of previous refugees, they encounter a land picked clean of resources, with embattled settlements hostile to strangers and gangs dominating the areas in between. Rick finds that safe havens are hard to come by, and his military experience might not be enough to keep his family safe. New forces are rising that could spell doom for them all. Solar Dawn is Book 3 of an EMP, post-apocalyptic series about family survival and the challenges entailed. Contains moderate language and graphic action scenes.

    

    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.

    but you couldn’t be further from the truth, as Harry Pope reveals in this hilarious memoir of his time as a funeral director. Over the course of his career, Harry was involved in more than a few unusual incidents. In his early days, colleagues and eventually mourners broke into laughter as he somehow ended up sliding into a grave with the coffin coming to rest on top of him. Another day saw Harry get the fright of his life when he heard a knocking coming from the rear of the hearse, where no living person should have been. And as for the coffin that he just about prevented from being emptied onto the tarmac at Heathrow Airport… well, you’ll just have to buy the book! As well as these hilarious anecdotes, Harry introduces us to the hidden and often tragic world of the funeral arranger, with a look at his involvement in disasters such as the Piper Alpha oil rig, the Lockerbie bombing and the sinking of the Herald of Free Enterprise. With stories that will make you cry with tears of both sadness and laughter, this fascinating read is perfect for a wide and varied audience.

    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.

    Even in Hell, love can bloom.

    

    Now comes the sequel… ‘Father, Son and Return to the Pennine Way’ picks up where Mark and Alex left off two years ago and sees them complete the last 100 miles of the Pennine Way. It’s a walk that tests them to their limits (well, one of them…) as they come close to exhaustion, even closer to being eaten alive and – armed only with a pair of shorts and a cup of tea – face-to-face with an assassin. …And, of course, they meet the inevitable cast of ‘characters.’ Barefoot Jimmy, Mr & Mrs Mad Eye, Lonesome Pete and ‘Theresa May.’ But there’s a serious side to the walk as well. It’s two years since they were last on the Pennine Way. They’re both two years older: how has their father/son relationship changed? Who’s really in charge this time? ‘Father, Son and the Pennine Way’ has been a consistent bestseller with over 130 5* reviews on Amazon. “My partner sent me to read in the spare room. All he could hear was me laughing! Would recommend this book to everyone, walkers or not.” ‘Return to the Pennine Way’ will make you laugh, smile and shed the occasional tear. You’ll be on the journey with Mark and Alex – and you won’t want it to end.

    A crew that desperately wants to find its way home, revolutionary physics, space battles with a powerful superweapon, and a showdown between two civilizations which definitively intertwines the destinies of multiple universes.Course of the Worlds:Book 1 - The Last SpaceshipBook 2 - New WorldBook 3 - Cosmic Destinies