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.

    The first female CEO of one of Australia's big four banks, listed by Forbes in 2010 as the 8th most powerful woman in the world, and mother of four (including triplets), Gail is celebrated as one of our finest, most innovative thinkers on leadership and workplace culture.In these personal, practical chapters, Gail Kelly shares what she's learned over her remarkable career, drawing from her personal and professional life. As a leader, she argues passionately for the importance of putting people and customers at the heart of a business; of leading with courage and generosity of spirit; and of resilience. Some of those lessons were learnt at times of high pressure, and Gail takes us into her thinking as she led Westpac through the global financial crisis and the merger with St. George.But Gail's voice speaks to each of us, whatever our role in life. She explores the absolute importance of loving what you do; learning to learn; backing yourself; and most importantly, placing your family above all things.At the heart of Gail's refreshing, authentic, integrated approach is how both individuals and companies thrive when they openly address the meaning of what they do, and understand the need to live a whole life. Live, Lead, Learn is the inspiring story of one of the world's most prominent business people, who started as a Latin teacher and became mother of four and CEO of Westpac - and everything she has learned along the way.

     However, as readers of the first two volumes of this series will know, her childhood was hardly the loving, supportive, preparatory period it should have been. Instead of family dinners and piano recitals, there were shattered dishes and abusive parents. Instead of trips to the museum, there were trips to TV studios - to be molested by celebrities. In short, her childhood was nothing short of a nightmare. Should it really be any surprise then, after such a traumatic baptism into life, that her first foray into the adult world was hardly an unmitigated success? From living in squalor to racking up debts, her new-found independence forced her face-to-face with many of life's grim realities. And despite waiting all her life for her freedom, she soon realised that a world without the institutional bars she was so accustomed to was just too much of a jungle. And every jungle has its predators... But what was a girl to do? Regress back to an abusive enslavement? Or continue moving forward in a world that seemed so backward? She needed a friend - and fast. Naturally, her understandable distrust of others didn't make things easy. Not to mention her warped idea of love. In the end though, her determination proved the deciding factor. As far as she was concerned, she'd performed her final "favour", and cried the last of her tears. But just when she thought she'd finally left her demons behind, she found herself at the mercy of unsavoury characters yet again - and this time, without anyone to turn to... DISCLAIMER: This is a true story of child abuse, and as such, reader discretion should be advised. Names have been changed to protect the innocent.

    And the most respected of these is the code of silence. For the first time, a hockey player is prepared to reveal what really goes on in the NHL, in the spirit of what Ball Four did for baseball. The money, the personalities, the adultery, and the drugs--and also the little things that make up daily life in the league. Most athletes have little to say, but Sean doesn't have that problem. Yes, he tells us about the guys he's fought and the guys he's partied with, and he tells us where to find the best cougar bars in various NHL cities and what it's like to be hounded by the media when you're dating a celebrity. But Sean's job on the ice was always to get inside the heads of the guys he played against, and that insight on human nature is on full display in Offside.What makes millionaire athletes tick? What are their weaknesses? And in the end, what makes Sean Avery--once called the most hated player in the NHL--who he is? What is it like to make people hate you for a living? Sean Avery's misdeeds on and off the ice are well-documented, and he certainly has his detractors. But on the other hand, he has a lot of supporters, in part for things like being the first North American athlete to come out in favour of marriage equality, and in part just for being an interesting guy. Love him or hate him, he is one of the best-known players of the past few decades, and certainly one of the most colourful and outspoken. In Offside, he meets his accusers head-on, and gives them something to think about.

    Suspended for a few seconds, they float in their own space and time with their own hidden prospects. For want of a better term, we call these moments “magical” and when we remember them they are cloaked in a halo of special meaning.’For 14-year-old Johnny Clegg, hearing Zulu street music as plucked on the strings of a guitar by Charlie Mzila one evening outside a corner café in Bellevue, Johannesburg, was one such ‘magical’ moment. The success story of Juluka and later Savuka, and the cross-cultural celebration of music, language, story, dance and song that stirred the hearts of millions across the world, is well documented. Their music was the soundtrack to many South Africans’ lives during the turbulent 70s and 80s as the country moved from legislated oppression to democratic freedom. It crossed borders, boundaries and generations, resonating around the world and back again. Less known is the story of how it all began and developed. Scatterling of Africa is that origin story, as Johnny Clegg wrote it and wanted it told. It is the story of how the son of an unconventional mother, grandson of Jewish immigrants, came to realise that identity can be a choice, and home is a place you leave and return to as surely as the seasons change.

    This self-made billionaire is far more than a talking head, however: she has leveraged her public profile to make a $3 billion fortune. She is the richest African American, and greatest black philanthropist, in history. Oprah has honorary doctorates from both Duke and Harvard Universities, and in 2013 President Barack Obama awarded her the Presidential Medal of Freedom. Her rise from childhood poverty in rural Mississippi, and her teenage years as a single mother in inner city Milwaukee, having become pregnant aged just 14, is nothing short of a miracle. Even in fairytales, heroines don’t triumph over adversity like this. Additionally You Get 2 Bonus Ebooks - 69 Ways to Make Money From Home - Bitcoins Beginner’s Guide

    The book is written by JD (James David by author's full name) Vance and in it the author tries to describe the overall life and struggles of people in post-industrial time in the United States. This book deals with the problems of white working-class and the book is not just some book where the author tries to describe lives of ordinary white people. The book is actually a memento and a message to the readers; in it Vance describes his life and his starts, especially growing up while being poor in Ohio. We can find out about this when we find out that Vance's family is of Scottish-Irish descent and that his ancestors have longer history of poverty and hard work that they need to endure in order to survive the hard times that were at hand. We also find out that since the 18th century many Scottish-Irish people were working as plantation workers, as miners and/or as millworkers. Because these people worked only the hardest jobs that hardly anyone else would take many people belittled them. Words like 'white trash, redneck' and/or 'hillbilly' were unfortunately a common everyday word for those people. Hillbilly Elegy is a fascinating work, not because it was written based on a true story but because it was written from a man who lived 'through' his story. The fact that the entire book contains a message is, of course, welcoming plus and something we want from literature of this genre. Here Is A Preview Of What You Will Get: In Hillbilly Elegy, you will get a summarized version of the book.In Hillbilly Elegy, you will find the book analyzed to further strengthen your knowledge.In Hillbilly Elegy, you will get some fun multiple choice quizzes, along with answers to help you learn about the book.Get a copy, and learn everything about Hillbilly Elegy.

    What is it like? It is the best gift you can ever imagine, like rain falling on a dry place.This memoir is a great reunion journey, from Paris, to California, to Denmark! A coming together of a mother and son, the only two people who can answer all the questions the other one has.

    Tomorrow is Another Country retells the story of the behind-the-scenes collaborations that started with a meeting between Kobie Coetsee, then minister of justice, and Nelson Mandela in 1985. By 1986, negotiations involved senior government officials, intelligence agents, and the African National Congress. For the next four years, they assembled in places such as a gamepark lodge, the Palace Hotel in Lucerne, Switzerland, a fishing hideaway, and even in a hospital room. All the while, De Klerk's campaign assured white constituents nothing would change. Sparks shows how the key players, who began with little reason to trust one another, developed friendships which would later play a crucial role in South Africa's struggle to end apartheid."A gripping, fast-paced, authoritative account of the long and mostly secret negotiations that brought South Africa's bitter conflict to its near-miraculous end. Sparks's description of these talks sometimes brings a lump to one's throat. He shows how the participants' deep mutual suspicion was gradually replaced by excitement at the prospect of making a momentous agreement—and also by the dawning realization that the people on the other side were human beings, perhaps even decent human beings."—Adam Hochschild, New York Times Book Review"A splendid and original history. . . . Sparks's skillful weaving of myriad strands—Mandela's secret sessions with the committee, the clandestine talks in England between the African National Congress and the government, the back-channel communications between Mandela and the A.N.C. in exile, the trepidation of Botha and the apparent transformation of his successor, De Klerk—possesses the drama and intrigue of a diplomatic whodunit."—Richard Stengel, Time"Sparks offers many reasons for hope, but the most profound of them is the story this book tells."—Jacob Weisberg, Washington Post"The most riveting of the many [accounts] that have been published about the end of apartheid."—The Economist

    From the "a-ha" moment in junior high school that inspired his very first guitar, Taylor has been living the American dream, crafting quality products with his own hands and building a successful, sustainable business. In Guitar Lessons, he shares the values that he lives by and that have provided the foundation for the company's success. Be inspired by a story of guts and gumption, an unwavering commitment to quality, and the hard lessons that made Taylor Guitars the company it is today.

    Greenberg. Simon & Schuster,2010

    From his humble beginnings as a RSS pracharak to his rise in the Hindutva ranks, and from being Bharatiya Janata Partys master planner to one of the its most popular and controversial state chief ministers, Modis mantra of change and development is gradually finding many takers. Though he evokes vastly different reactions among the citizens for his alleged role during the Godhra aftermath, what is absolutely clear is that he indeed is racing towards the centre stage, making the 2014 General Elections look more like a Presidential system where, you either vote for him or against him. And that, as they say, is the Modi effect. Kingshuk Nag paints the most vivid portrait of the extraordinary politician who is poised to take on a new role in the coming years.

    With his friend Bevil Hogg, he founded the Trek Bicycle Corporation in 1976 and then went on to establish the company as one of the leading bicycle companies in the world. He was a man who called his son, John, his best friend. Indeed, they did many great things together: ran the Boston Marathon, followed the Tour de France throughout France, and later ran Trek together. In March 2008, he passed away after complications of heart surgery. The Big Guy touched people’s lives in countless ways, and his passing was deeply emotional for many. Now John (current president of Trek Bicycle) has written a powerful tribute to the incredible life his father led and the ways in which he was an inspiring businessman, leader, and person. Taking readers deep into the history of Trek, John shares how his father taught, trained, and instilled in him the confidence and desire to be a leader. A portrait of a great man, the book culminates with John telling his father on his deathbed of their twenty greatest moments together. This is an intimate portrayal of a father-son relationship filled with poignant experiences and lessons on how to get the most out of life. *** My father was an amazing man and he taught me many of life’s lessons. This book takes you through a great relationship between a father and a son. It takes you through the building of Trek Bicycle, and most importantly it tells the story of how my father and how our family dealt with his fight for life, and ultimately how my father and how our family dealt with his death. Death is a destination that we all share and yet there is so little written about it and so many people are unprepared to deal with it. My father amazed me throughout his life, but he saved his best act for last. The way he dealt with his death is a story that should be of some help to any family facing this most difficult time. —from the preface

    Leading eighteen strangers around the clock for a full year--through months of darkness and with no escape from the frigid cold, howling winds, and each other--Robertson learned powerful lessons about what real, authentic leadership is. Here, she offers a deeply honest and humorous account of what it takes to survive and lead in the harshest environment on Earth. What emerges from her graphic account is a series of powerful and practical lessons for business leaders and managers everywhere.Features practical leadership lessons that are particularly helpful for any leader who must get the best out of the team they've got Features solutions to many challenges common to all workplaces Includes real excerpts from Robertson's personal journals through twelve months of leading in the most challenging environment in the world Written by a popular speaker and business leader who has appeared at more than 350 national and international conferences and events for a wide range of industries Leading on the Edge explains what it's like to take charge when you've no place to hide and how truly harsh environments can serve as a leadership laboratory that results in truly effective, authentic leadership.

    The remarkable story of the brand that was able to pull off the near-impossible challenge of integrating itself into the food habits of a nation strongly habituated to eating indigenous sweets is recounted here. It is a behind-the-scenes look at the Cadbury Dairy Milk journey in India over the last six decades.