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.

    

    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.

    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.

    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!

    Even in Hell, love can bloom.

    It was the start, for better or for worse, of a long relationship with this unassuming and much maligned little country. He decided to put worldwide opinion to the test: is Belgium really as boring as people say it is? Immersing himself in Belgian culture – and sampling the local beer and ‘cat poo’ coffee along the way – he discovers a country of contradictions; of Michelin stars and processed food, where Trappist monks make the best beer in the world and grown men partake in vertical archery and watch roosters sing (not necessarily at the same time). This colourful and eccentric jaunt is proof that Belgium isn’t just a load of waffle.

    Historian Todd Robinson studies the issues surrounding school integration and bureaucratic reforms as well as the role of black youth activism to detail the diversity of black resistance. He focuses on respectability within the African American community as a way of understanding how the movement was formed and held together. And he elucidates the oppositional role of northern conservatives regarding racial progress. a"A City within a City" cogently argues that the post-war political reform championed by local Republicans transformed the city's racial geography, creating a racialized city within a city, featuring a system of managerial racism designed to keep blacks in declining inner-city areas. As Robinson indicates, this bold, provocative framework for understanding race relations in Grand Rapids has broader implications for illuminating the twentieth-century African American urban experience in secondary cities.

    They shopped at Harvey Nichols, walked their dogs in Kensington Gardens, and vacationed in France and Tibet. Yet, they dreamed of a new life. In January, Jeff was promoted to a coveted position at his bank; in March, he resigned. Jeff and Dean sold their house, packed the dogs, and moved to the sleepy resort town of Hayward, Wisconsin, where they acquired a nostalgic ice cream shop and rundown Victorian mansion.  Scoop: Notes from a Small Ice Cream Shop is the chronicle of Jeff and Dean’s first year in Hayward—how they are welcomed by a collection of colorful characters and how they are humbled by the challenges of operating both the ice cream shop and a bed and breakfast. It is also a story of Hayward and how the traditions and the stories of those who built the town helped our entrepreneurs adjust to the rhythm of life in their new home.    Jeff Miller was born in Browerville, Minnesota. He spent years as an international lawyer in New York, Hong Kong, and London. Since 2005 he has lived in Hayward, Wisconsin, where he operates West’s Hayward Dairy and McCormick House Inn.

    What truly governs the Major League game is a set of unwritten rules, some of which are openly discussed (don't steal a base with a big lead late in the game), and some of which only a minority of players are even aware of (don't cross between the catcher and the pitcher on the way to the batter's box). In "The Baseball Codes," old-timers and all-time greats share their insights into the game's most hallowed--and least known--traditions. For the learned and the casual baseball fan alike, the result is illuminating and thoroughly entertaining. At the heart of this book are incredible and often hilarious stories involving national heroes (like Mickey Mantle and Willie Mays) and notorious headhunters (like Bob Gibson and Don Drysdale) in a century-long series of confrontations over respect, honor, and the soul of the game. With "The Baseball Codes," we see for the first time the game as it's actually played, through the eyes of the players on the field. With rollicking stories from the past and new perspectives on baseball's informal rulebook, "The Baseball Codes" is a must for every fan.

    From humble beginnings in a barn in Pennsylvania to soaring victories in the French Alps, Team 7-Eleven is the complete history that has never been fully told-until now.

    She imagined posh flights and swanky hotels. Then I said the three words every girl longs to hear: Volkswagen camper van.’This frank and funny true story of a 'family gap year' like no other shows how the passing comment of a bored 9-year-old can snowball into an absurd expedition into strange lands, financial peril and some distinctly unsavoury living arrangements. With Strawberry Fields New York in their sights, the Beatnik Beatles inadvertently gatecrash an Italian wedding, suffer brutal torture at the hands of a Turkish masseur, appear in a Bollywood film and trust their entire journey across Australia to the whim of an army of online-blog followers - and all to a Lennon & McCartney soundtrack, played badly on instruments bought on eBay.Got a taste for adventurous travel? Ever felt the peril of performing in public? Tried to entertain children on a very, very long car journey? Great! Do you want to join a band?‘It’s a dirty story of a dirty man.’Paul McCartney‘Please stop calling us.’The Times Literary Supplement‘We do not condone absenteeism on this scale.’Oxfordshire Education Authority(From Amazon.co.uk)

    Yes, it’s almost unbelievable to understand how all of it had happened and why the world fell in love with the boy wizard. From the fantastic books written by the British author J.K. Rowling to the blockbuster movies that were welcomed by hundreds of fans outside the cinemas worldwide, Harry Potter’s legacy lives on and is still felt in the pop culture. That’s why we’ll look at the ultimate list of 500 (yeah, you read that right) Potter-related facts! Enjoy and prepare to read tons of exciting facts! You and your kids will love this book... Grab it now while it's still available at this discounted price. NOTE: This is a book intended for any Harry Potter fan of any age. This book is NOT affiliated in any way with any other official or unofficial Harry Potter book.