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.

    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!

    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.

    This distinct group, known as the Ñ Generation (as coined by Bill Teck), are the bilingual children of Cuban exiles nourished by two cultural currents—the fragmented traditions and transferred nostalgia of their parents' Caribbean homeland and the very real and present America where they grew up and live.

    Relevant psychological principles will help you predict your viewer's emotional reaction to your photographic images, giving you more power, control, and tools for communicating your desired message. Knowing how our minds work helps photographers, graphic designers, videographers, animators, and visual communicators both create and critique sophisticated works of visual art. Benefit from this insight in your work. Topics covered in this book: gestalt grouping, memory and association, space, time, color, contours, illusion and ambiguity, morphics, personality, subliminals, critiquing photographs, and rhetoric.

    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

    It is the work of one of the most influential attorneys in America, who has dedicated his life to the protection of individuals' rights and our Constitution's commitment to equal justice under the law. Above all, it is a clear, straightforward book that brings into sharp focus the very human significance of the right to marry in America—not just for some couples, but for all. Why is the word marriage so important? Will marriage for same-sex couples hurt the "sanctity" of the institution? How can people of different faiths reconcile their beliefs with the idea of marriage for same-sex couples? How will allowing gay couples to marry affect children? In this quietly powerful volume, the most authoritative and fairly articulated book on the subject, Wolfson demonstrates why the right to marry is important—indeed necessary—for all couples and for America's promise of equality.

    We need to begin with the ideas that informed Paul’s worldview and culture. Our goal is simple – to see things the way he saw them rather than the way we see them.· What if the whole idea of ‘original sin’ was never part of Paul’s thinking at all? · What if the idea that we are saved by faith in Christ, as Luther so strongly argued, was based on a mistranslation of Paul’s words, and even more seriously on a misunderstanding of Paul’s thinking? Was Luther – and Calvin who followed him – simply terribly wrong?‘The tragedy,’ writes Steve Chalke, ‘is that over the centuries the Church has time and again failed to communicate, or even to understand, the core of Paul’s message. Although Paul has often been presented as the champion of exclusion, he was the very opposite. He was the great includer; a revolutionary who saw a new inclusive world dawning and gave his life to help bring it in.’ Steve Chalke MBE is a Baptist minister, founder and leader of the Oasis Charitable Trust, and author of more than 50 books.

    D.O.M. does not exist.2. No attachments of any kind.3. No screwing the clients. We are whispers in the air, sometimes felt, but never seen. Hired by billionaires to fix their dirty problems. Operating underground, undetected. We are hard to hire and even harder to find. I should have never taken this job. $10 mil in my pocket for her safe return. Kidnapped by a very dangerous man. But that is not my problem in this scenario. This little mouthy rich girl is going to be the death of me. And I might just have to punish her for it — Scott style. I know she wants it. She's begging for it. The question is: Can I resist her? Or will I break one of the cardinal rules? The DOM for Hire Series features irresistible alphas with James Bond vibes. They are bossy in bed heroes you can't get enough of. Un-Kidnap Me is a brand new full length novel by USA Today Bestselling author Hazel Parker. It can be read as a standalone but pairs well with the next two. HEA as always and recommended for adult readers.

    It is a book profoundly enriched by the author s two loves, love for the theater and love for his partner of fifty-two years, Tom Hatcher, who shared and inspired every aspect of his life and his work. Laurents writes about the musicals he directed, I Can Get It for You Wholesale, its producer David Merrick (the Abominable Showman ), and its (very young) stars Barbra Streisand and Elliott Gould . . . He writes about Stephen Sondheim s Anyone Can Whistle, which starred Angela Lansbury and Lee Remick, marking the debut for each in musical theater. He summons up the challenges and surprises that came with the making of La Cage aux Folles, the first big Broadway musical that was gay and glad to be. He writes in rich detail about his most recent production of Gypsy, how it began as an act of love, a love that spread through the entire company and resulted in a Gypsy unlike any other. And about his new bilingual production of West Side Story. And he talks, as well, about the works of other directors Fiddler on the Roof; Kiss Me, Kate; Spring Awakening; Street Scene; The Phantom of the Opera; LoveMusik; Sweeney Todd. Moving, exhilarating, provocative a portrait of an artist working with other artists; a unique close-up look at today s American musical theater by a man who s been at its red-hot center for more than five decades."

    American Book Award winner Robb Forman Dew, known for her breathtaking ability to depict family love in all its ambiguity and pain, reaches deep into her own heart to write the story of finding out her son is gay.

    

    He is a mentor, teacher, and trailblazer to many photographers, and a hero to those who feel Jay's teaching has changed the way they see and create their own photography. He is a living legend whose work is studied around the world, and whose teaching style and presentation garner standing ovations and critical acclaim every time he takes the stage.Now, for the first time ever, Jay puts his amazing insights and learning moments from a lifetime behind the lens into a book that communicates the three most important aspects of street photography: light, gesture, and color. Each page unveils something new and challenges you to rethink everything you know about the bigger picture of photography. This isn't a book about f-stops or ISOs. It's about seeing. It's about being surrounded by the ordinary and learning how to find the extraordinary. It's about training your mind, and your eyes, to see and capture the world in a way that delights, engages, and captivates your viewers, and there is nobody that communicates this, visually or through the written word, like Jay Maisel.Light, Gesture & Color is the seminal work of one of the true photographic geniuses of our time, and it can be your key to opening another level of understanding, appreciation, wonder, and creativity as you learn to express yourself, and your view of the world, through your camera. If you're ready to break through the barriers that have held your photography back and that have kept you from making the types of images you've always dreamed of, and you're ready to learn what photography is really about, you're holding the key in your hands at this very moment.