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.

    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.

    He was eager to begin his first practice, but it turned out to be more than he bargained for. In just two years, in September, 1918, the entire village was sickened in rapid succession in the flu pandemic that killed quickly and indiscriminately throughout the world. It was wartime, and Nixon was unable to find help., This story is an up close and personal account of what it was like to be sick with the HINI type virus in 1918. It is a tale of a dedicated doctor whose selflessness, compassion and courage helped the villagers survive in the pandemic that killed more people in a year than the Black Death killed in a century...

    Fields Cookies... What backward messages on records are really trying to tell you... Frank Sinatra's real age... Why you can't counterfeit a lottery ticket... Barbra Streisand's blue movie... The other Boy Scout rituals... Ingmar Bergman's soap commercials... The formula for Play-Doh... and more.

    So it's not surprising that we persist in thinking that we're in with a chance, whether we're playing the lottery or working out the likelihood of extra-terrestrial life. In Chance, a (not entirely) random selection of the New Scientist's sharpest minds provide fascinating insights into luck, randomness, risk and probability. From the secrets of coincidence to placing the perfect bet, the science of random number generation to the surprisingly haphazard decisions of criminal juries, it explores these and many other tantalising questions.Following on from the bestselling Nothing and Question Everything, this book will open your eyes to the weird and wonderful world of chance - and help you see when some things, in fact, aren't random at all.

    Enhancements to this edition include a more thorough coverage of transport processes, plus new or expanded coverage of separation process applications, fluidized beds, non-Newtonian fluids, membrane separation processes and gas-membrane theory, and much more. The book contains 240+ example problems and 550+ homework problems.

    What she discovered was the densest concentration of these hawks anywhere in the lower forty-eight states. Why? Houle's findings, eloquently reported, show that ranchers and grazing and wildlife not only can coexist, but in some instances must coexist if we are to save the last of the native prairies for us all.

    And no delay causes more parental anxiety than late talking, which is associated in many parents' minds with such serious conditions as autism and severe intellectual disability. In fact, as children's speech expert Stephen Camarata points out in this enlightening book, children are late in beginning to talk for a wide variety of reasons. For some children, late talking may be a symptom of other, more serious, problems; for many others, however, it may simply be a stage with no long-term complications.Camarata describes in accessible language what science knows about the characteristics and causes of late talking. He explains that late talking is only one of a constellation of autism symptoms. Although all autistic children are late talkers, not all late-talking children are autistic.Camarata draws on more than twenty-five years of professional experience diagnosing and treating late talkers--and on his personal experience of being a late talker himself and having a late-talking son. He provides information that will help parents navigate the maze of doctors, speech therapists, early childhood services, and special education; and he describes the effect that late talking may have on children's post-talking learning styles.

    Sinatra discusses the importance of energy metabolism on cardiovascular health and the positive impact these three energy-supplying nutrients, CoQ10, carnitine, ribose, have on the cardiovascular system. Readers will learn how these miraculous nutrients work throughout the body, essentially charging up every body cell to function at optimal capacity.

    Between lava that melts and re-forms the landscape, and noxious volcanic gases that poison the atmosphere, volcanoes have threatened life on Earth countless times in our planet’s history. Yet despite their reputation for destruction, volcanoes are inseparable from the creation of our planet.A lively and utterly fascinating guide to these geologic wonders, Super Volcanoes revels in the incomparable power of volcanic eruptions past and present, Earthbound and otherwise—and recounts the daring and sometimes death-defying careers of the scientists who study them. Science journalist and volcanologist Robin George Andrews explores how these eruptions reveal secrets about the worlds to which they belong, describing the stunning ways in which volcanoes can sculpt the sea, land, and sky, and even influence the machinery that makes or breaks the existence of life.Walking us through the mechanics of some of the most infamous eruptions on Earth, Andrews outlines what we know about how volcanoes form, erupt, and evolve, as well as what scientists are still trying to puzzle out. How can we better predict when a deadly eruption will occur—and protect communities in the danger zone? Is Earth’s system of plate tectonics, unique in the solar system, the best way to forge a planet that supports life? And if life can survive and even thrive in Earth’s extreme volcanic environments—superhot, superacidic, and supersaline surroundings previously thought to be completely inhospitable—where else in the universe might we find it?Traveling from Hawai‘i, Yellowstone, Tanzania, and the ocean floor to the moon, Venus, and Mars, Andrews illuminates the cutting-edge discoveries and lingering scientific mysteries surrounding these phenomenal forces of nature.

     The Soul of the Rhino is the spirited yet humble account of Mishra’s unique personal journey. Fresh out of university in the 1970s, Mishra embarks on his conservation work with the help of an ornery but steadfast elephant driver, the Nepalese royal family, and handfuls of  like-minded scientists whose aim is to protect the animal in the foothills of the Himalayas. Yet, in spite of decades spent creating nature reserves and moving rhinos to protected areas, arm-wrestling politicians, and raising awareness for the cause, Mishra is still fearful about the future of the Indian Rhino. To this day, Nepal is overrun by armed insurgents, political violence, and poachers who could kill off this magnificent creature for good.   Filled with candor and bittersweet humor, Mishra re-creates his journey on behalf of the rhino, an ugly yet enchanting, terrifying yet delicate creature. The first book of its kind to delve into the multi-layered political labyrinths of South Asian wildlife conservation, and one man’s endurance in the face of it all, The Soul of the Rhino is sure to win over yourheart and soul.

    The mountain itself helps create the notorious Oregon rains and deep alpine snows, and paved the way for snowboarding in the mid 1980s. Its forests provide some of the purest drinking water in the world, and its snowy peak captures the attention of the nation almost every time it wreaks fatal havoc on climbers seeking the summit. On Mount Hood builds a compelling story of a legendary mountain and its impact on the people who live in its shadow, and includes interviews with a forest activist, a volcanologist, and a para-rescue jumper. Jon Bell has been writing from his home base in Oregon since the late 1990s. His work has appeared in Backpacker, The Oregonian, The Rowing News, Oregon Coast, and many other publications. He lives in Lake Oswego, OR.

    It was not until moments before landing that anything went wrong. Coming in to Heathrow Airport, the plane suffered inexplicable loss of power to both engines, and it was suddenly likely that the plane would plough into a built-up area outside the airport, with the loss of all lives on board. Peter tells us in graphic detail his thoughts and actions when he managed to help save the plane at the last moment thanks to a flash of inspiration that led him to change the position of the wing flaps, which appeared to gain the vehicle enough precious time to make it over the perimeter fence and land on the grass, short of the runway. For both Maria and Peter, their lives following the crash have resulted in experiences that they never would have expected to have happened. There isn't a handbook with rules to follow after a crash so the subsequent aftermath was laced with events that could have been handled better from all sides, which lead to Maria and Peter having to find strength inside them that they had never needed before. A little more than a year later, they have used these strengths to begin a new chapter in their lives; starting with leaving British Airways and celebrating a second chance to enjoy life.But there are still nights when they find themselves awake, crying about what could have happened on that fateful day.