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.

    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.

    Most commonly used medical abbreviations and acronyms.Anyone in the medical profession, from office workers to doctors themselves, will find this guide extremely useful.6-page laminated guide includes:weights & measurementspharmacologydiagnostic testingprofessional designationsmanaged careagencies/organizationshealth assessmentspecialized areas/facilitieslocations & directionsbody systems

    All the tips within come via the author and guest performers, adding up to a combined three hundred years of essential speakers’ know-how!Within this bible:Technical advice: how to effortlessly project your voice, audience manipulation, crowd control, body language, hand gestures and more.Additionally: a frank approach for overcoming stage fright, a foolproof recipe for memorising a speech, how to overcome a sore throat and using the physics of sound to your advantage.Business advice: how to price your speech, approaching agencies, talking overseas, understanding unique selling points, the most complete list of global public speakers’ agencies and more.Children’s author Marcus Alexander, once horrified by the thought of standing on stage, has grown to become one of the most sought-after school speakers. He’s delivered more than 1600 talks in 13 different countries and is booked 18 months in advance. The journey wasn’t easy; he’s tripped, fallen and blundered over every imaginable obstacle. This bible contains all the insights you need to create a similar career at a faster rate and with half the hiccups.'Marcus doesn't just hold the stage he is the stage. Every word spoken is a sledge hammer pinning the audience to their seats.'Adisa the Verbaliser, spoken poet and author.'The first time I saw Marcus Alexander on stage was with a group of other authors. We all watched in amazement as he enthralled both the children and adults with his awesome energy. One of the best author events I have watched.'Andy Briggs, author and scriptwriter.Guest speakers sharing their advice include: best-selling author Chris Bradford, movement icon Dan Edwardes, British actor and producer Joey Ansah, author and teamwork specialist Casper Craven. Other guests include: surgeons, dentist lecturers, thespians, West End singers, polio advisers, educators and coaches.

    His profound management sutras are derived from his bestselling books on business and management. They show how individuals can realize their potential, create wealth and achieve lasting success by following uniquely Indian principles (based on Hindu, Jain and Buddhist mythology) of goal setting, strategic thinking and decision-making.

    Their funny bodies with their short little legs, floppy ears, and pleading eyes make Dachshunds irresistible even to people who claim to dislike small dogs. Also, Dachshunds are natural clowns. They can keep a room in stitches with their antics and coax one more dog cookie out of the strictest disciplinarian. In addition, Dachshunds are great with kids, love to play, and can be extremely affectionate. On the other hand, Dachshunds can sometimes be very willful and hard to train, often bark a lot, and can rival a Labrador Retrievers in their ability to dismantle your furniture. Is this playful and inquisitive breed the right dog for you and your family? Dachshunds For Dummies provides the answer to this and all your questions about getting, caring for and living with this unique breed. Life-long Dachshund fancier and leading pet journalist, Eve Adamson gets you up and running with what you need to know to:Find and communicate with reputable breeders Choose the right Dachshund for you Housebreak and socialize your new puppy Educate yourself and your dog Handle behavioral problems Participate in competitions In friendly, down-to-earth language, Eve provides insights into the Dachshund temperament and loads of sensible, easy-to-follow advice on everything a Dachshund owner should know--along with fun facts and Dachshund trivia, and tips on how to have a great time with your Dachshund. You'll discover how to:Decide on whether a male or female is right for you Find and choose your new friend and bring him or her home Understand how to communicate with your Dachshund Train your Dachshund Find a good trainer and attend classes Deal with emotional conflicts Feed and exercise your Dachshund Recognize, prevent and treat common health problems Have loyal friend for life The indispensable guide for you and your Dachshund, Dachshunds For Dummies is the only book you'll need to help you have the best possible experience with this plucky breed of dog.

    Throughout, Olson makes a compelling case for preserving the wilderness. He puts forth his own life as an example of how nature can have a spiritual effect on the human soul, and proposes diligence on behalf of those who fight to conserve our forests, wetlands, and dunes.

    Why does the chestnut-sided warbler sing one song before dawn and another after sunrise? Why does the brown thrasher have a repertoire of two thousand songs when the chipping sparrow has only one? And how is the hermit thrush able to sing a duet with itself, producing two sounds simultaneously to create its beautiful, flutelike melody?Stap's lucid prose distills the complexities of the study of birdsong and unveils a remarkable discovery that sheds light on the mystery of mysteries: why young birds in the suborder oscines -- the "true songbirds" -- learn their songs but the closely related suboscines are born with their songs genetically encoded. As the story unfolds, Stap contemplates our enduring fascination with birdsong, from ancient pictographs and early Greek soothsayers, who knew that bird calls represented the voices of the gods, to the story of Mozart's pet starling.In a modern, noisy world, it is increasingly difficult to hear those voices of the gods. Exploring birdsong takes us to that rare place -- in danger of disappearing forever -- where one hears only the planet's oldest music.

    Imperial Valley’s biggest crime is detailed through volumes of official records and interviews with witnesses, relatives and investigators.Serial killer Robert Eugene Pennington not only murdered Sayers, but was a suspect in killing Dorothy Minor-Hindman in Fresno and possibly fifteen other innocent victims from coast to coast including one victim attributed to the Boston Strangler.Extensive research provides the reader with details of Pennington’s life before and after his encounter with Brenda.

    But they usually give back more than they take in terms of solitude and a sense of adventure that you just won't find on more civilized waters. --John Gierach Fly-fishing in scenic and remote mountain waters is a special kind of fishing, explored in depth by veteran fly fisher John Gierach. Along with Fly Fishing Small Streams (0-8117-2290-2), this guide, Gierach's first book, now in print with Stackpole Books, explains how to find the best waters and how to fish them to the best advantage.

    However, trail life is not always as rewarding and romantic as the pictures you see or second-hand stories you hear. "Divided" provides an accurate account of life on trail: what hikers ponder, eat, love, loathe, and the questions they tire of answering. Some moments are too short, some are painfully long while others are whisked away unceremoniously with the wind. Follow along on the journey as Brian navigates difficulties, successes and everything between while attempting to walk from Mexico to Canada. “The greatest challenge of being a long-distance backpacker is learning how to live fully on - and off - the trail. In 'Divided,' Brian shares the rugged beauty and grueling challenges of the Continental Divide Trail along with thought-provoking insights which encourage the reader to reassess his or her own path and consider new alternatives.” Jennifer Pharr Davis, "The Pursuit of Endurance" “If you’ve ever wondered what it is like to wander along the entire length of the multi-thousand mile Continental Divide Trail, Brian Cornell’s 'Divided' will take you on a journey from Mexico to Canada that just may have you planning your own hike of this magnificent trail!” Lawton Grinter, "I Hike Again" " 'Divided' is unlike any hiking memoir I've read. Cornell is undeniably talented and his unique prose vividly conveys the hypnotic nature of long-distance hiking without leaving the reader in a trance. A modern-day 'Desert Solitaire.' " Gary Sizer, "Where’s the Next Shelter?" "An honest look at what life on the Divide is truly like." Heather Anderson, "Thirst: 2600 Miles to Home"

    Here too is expert information on feeding, bathing, communicating, proper equipment, plus safe interactions with children and other pets. Twenty-eight full-color photos and line drawings.

    When Lily the alpaca falls pregnant, they are in for an anxious few months as they battle against the odds to keep themselves afloat. 'In Seriously Mum, How Many Cats?' there is concern that the cats are going to take over the farm. There are cats in the barn, cats in the garden and even a cat invasion in the bedroom one night. Exploding tyres, flamenco dancing, religious parades and, of course, all your favourite animals return once again to entertain you in the latest story about these much-loved expats.