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.

    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.

    Across North America, tens of thousands of people gather every spring and fall at more than one thousand known hawk migration sites--from New Jersey's Cape May to California's Golden Gate. Yet, as many discover, a standard field guide, with its emphasis on plumage, is often of little help in identifying those raptors soaring, gliding, or flapping far, far away.Hawks from Every Angle takes hawk identification to new heights. It offers a fresh approach that literally looks at the birds from every angle, compares and contrasts deceptively similar species, and provides the pictures (and words) needed for identification in the field. Jerry Liguori pinpoints innovative, field-tested identification traits for each species from the various angles that they are seen.Featuring 339 striking color photos on 68 color plates and 32 black & white photos, Hawks from Every Angle is unique in presenting a host of meticulously crafted pictures for each of the 19 species it covers in detail--the species most common to migration sites throughout the United States and Canada. All aspects of raptor identification are discussed, including plumage, shape, and flight style traits.For all birders who follow hawk migration and have found themselves wondering if the raptor in the sky matches the one in the guide, Hawks from Every Angle--distilling an expert's years of experience for the first time into a comprehensive array of truly useful photos and other pointers for each species--is quite simply a must.Key Features? The essential new approach to identifying hawks in flight Innovative, accurate, and field-tested identification traits for each species 339 color photos on 68 color plates, 32 black & white photos Compares and contrasts species easily confused with one another, and provides the pictures (and words) needed for identification in the field Covers in detail 19 species common to migration sites throughout the North America Discusses light conditions, how molt can alter the shape of a bird, aberrant plumages, and migration seasons and sites User-friendly format

    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"

    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.

    Ranulph followed his father's path into the Royal Scots Greys. After that came the SAS, from which he was dismissed for blowing up an American film set at the idyllic Cotswold village of Castle Combs, then two vicious years as a volunteer fighting communist insurgents in Oman. Then began the series of expeditions for which Fiennes is best known and which caused The Guinness Book of Records to hail him in 1984 as 'the world's greatest living explorer.' Up the White Nile in a hovercraft, parachuting onto Europe's highest glacier, forcing his way up 4,000 miles of terrifying rivers in northern Canada and Alaska, overland to the North Pole and to the ends of the earth, across the world's axis-the Transglobe Expedition-which took ten years from conception to completion. He writes here too about his attempt to reach the North Pole without dogs or motorised equipment, beating the world record by 300 miles, his determination to find the lost city of Urbar in the Arabian desert and, finally, his extraordinary journey across the Antarctic Continent via the South Pole. Living Dangerously is a remarkable testament from a remarkable man.

    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.

    

    Angus is involved in a romantic liaison, which takes the edge off his customary cynicism, and for the first time in their adult lives, a positive fraternal bond exists between them.Inevitably, reality comes calling. Angus’s love affair ends and he copes poorly, Hugh becomes stratospherically arrogant on the back of a promotion and Julia, the MacNaughtons’ sister, starts dating Angus’s nemesis – Alistair ‘The Legend’ Jones. Then there are a series of further ‘hiccups’, from demanding lodge guests and marauding monkeys, to a labour protest, a run-in with a blind-drunk head chef, a winter drought, a rogue elephant that puts staff and guests in danger and the resignation of the sterling head ranger.You are guaranteed to be entertained by the hilarious antics and hard knocks as well as the fierce beauty of the African landscape in Back to the Bush: Another Year in the Wild. ‘A Year in the Wild is a delight to read [and a] hugely entertaining novel. Don’t miss it. If there’s a sequel, and I hope there is, I will be first in line to read it.’ – BRIAN JOSS, Bolander

    An earthen fill that carried the railroad over the creek could not withstand the power of the rising water, and Norfolk & Western passenger train Number Two plummeted into a hole in the earth. There in the valley beneath the shadow of the towering Peaks of Otter, passengers and crew scrambled from the wreckage and water in a life-or-death struggle. The best and worst of humanity were on display in the small hours of the night, as some worked heroically to rescue those trapped in the debris while others stood by concerned only for themselves. A terrible fire ensued, and those who remained trapped were consumed by the flames. The bloodied and battered survivors suffered through four more hours of isolation and torture in the rain alongside the burning wreckage before help would finally arrive.Written and extensively researched by the great-great grandson of the railroad section master at Thaxton, Lost at Thaxton tells the forgotten true story of one of the worst railroad accidents in the history of Virginia and the people who lived and died that night.