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.

    Last Stand gives us a new, unexpected lens through which to view a previously unsung hero of conservation and offers prescriptions for the future of conservation.

    It is a much-needed alternative to the commentators who blather on about the perils of the Internet and social media. Tell Everyone is a manifesto on the power of social media and the ways in which it can be harnessed for good.Bringing together journalistic flair and academic rigour, online news pioneer and social media maven Alfred Hermida debunks the idea of Twitter as an echo chamber or Instagram as a place for narcissists. Instead Hermida places our fears about social media in context by showing how we have always been suspicious about new ways to communicate. He takes on the notion of slacktivism to show how individuals come together through social media to push for the common good.Tell Everyone reveals how social media is becoming the planet's nervous system. It highlights how we are using social media to amplify the power of individuals, challenge elites and make decisions, from choosing politicians to doing business to raising money for charity. Tell Everyone is a must-read tour of journalistic blunder, corporate PR fiascos, social movements and revolutions.

    The police like the wife for the crime. The D.A. likes Robin as an accessory-after-the-fact. Robin, though she feels sympathy for the widow and her young son, likes running with her dog and hanging out with her teddy-bear boyfriend, but she is a young attorney in need of work. The case promises to be the case of her career right up to the moment when everything goes ballistic.

    But when tragedy strikes his family, he turns to alcohol to deaden his pain and grief. He becomes an alcoholic and eventually loses his home, his job, and his faith. Thirty years later Jacob lives in poverty in the shadow of the now defunct power plant, where he works as a janitor. Jacob's life takes one more unexpected turn when he becomes trapped in the pitch-black recesses of the plant. In his forced sobriety, the bitter memories he has been drowning for decades begin to surface all around him, dragging him into a pit of regret and despair. Suffering the ravages of alcohol withdrawal combined with the chilling effects of sensory deprivation, he embarks on an emotional and spiritual journey that will take him to the brink of insanity and back. Before his captivity comes to an end, Jacob -- like his namesake from the Old Testament -- will find himself wrestling with God. The town sheriff, a State Police detective, and even a local priest, follow different clues as they search for Jacob. The widening mystery touches off a cascade of changes in the lives of those connected to him. A friendship broken by betrayal is mended, a long abandoned romance is rekindled, dark secrets about the power plant and its caretakers come to light, and a young man's life is forever altered as he uncovers the tragedy that sent Jacob spiraling downward so many years ago.

    It was 1982 and all the women could see was a succession of drab, bulky suitcases being lugged through the terminal. When they returned home to Indiana, Barbara and her business partner got out a few Simplicity patterns and a Singer sewing machine and set to work. That first year Vera Bradley sold $10,000 worth of their colorful quilted bags. Today, the company has revenue of over half a billion dollars.Barbara Bradley has a message for women: stop second guessing yourself. Your moment of reinvention is right around the corner. Your potential is endless. It’s never too late—or too early—to redesign your work and life and start again. Whatever it is you’re inspired to do, you can build on what you already know, learn something new, and then go for it!In this book, Barbara Bradley shares the values that help her to thrive in business, health, relationships...and in every aspect of her personal and professional life. They include:Following your strengths / Acknowledging passion as a magic ingredient / Making a friend wherever you go / Being fussy; noticing every detail / Keeping the F in Fun / Making your own luck / Creating a home wherever you go / Leaning on your sisters / And remembering always—there’s enough for everyone.

    I think she's a leader in this space." -Tony Robbins, world-renowned speaker and entrepreneur Amber Mac wants to be your friend. She may be a tech-savvy webpreneur, the popular host of TV shows and video podcasts, and an in-demand consultant and speaker, but if you ask Amber Mac about her strategy for success, she'll tell you she's just trying to be a good friend. When it comes to social media-whether it's Facebook or Twitter or the latest video blog-the tools evolve quickly, the rules change rapidly, and the technology feels more and more complex. But making social media work for your company doesn't have to be complicated or expensive. In this compact yet thorough guide, Mac shows you how to effectively harness the online world to grow your business. The secret: think of your audience as your friends and then treat them that way. The Power Friending approach is all about developing real relationships based on mutual respect and support. While you may never meet some of your online friends face-to-face, they still expect you to follow the established norms of friendship: be authentic, reach out, listen. And don't lie to your friends. These same rules apply when building a strong brand online. Whether you're a blogger, a small company, a well-known global enterprise, or an aspiring queen of the Internet, Mac shows how to make the most of social networking tools, including: -Targeting the right networks -Feeding and seeding a community -Authentically engaging with customers and fans -Managing your online friendships on a daily basis and on a budget This isn't a book of abstract theories or complicated strategies. Mac writes from personal experience: she built a huge fan base through social networking. She also draws on real-life and up-to-date examples to give you the information you really need in order to establish and maintain credibility and meaningful relationships online.

    She’s the girl that went astray. Can they find a place where they’ll both belong… together? Kylee Bauer’s high school classmates voted her most likely to succeed, not knowing that she would skip town with a bad boy, get hitched, and get pregnant—not necessarily in that order. Now she’s back and desperate for a second chance to get things right, all while ensuring her daughter makes better choices the first time around. Ron Kidd loved growing up in his small Virginia hometown so much that he never thought to leave it behind. Now he’s landed his dream role as principal of the same elementary school he attended as a boy. Some of the more seasoned staff, however, aren’t sure he’s up to the job and will do whatever it takes to make his days harder. When his old crush returns home as a single mom with a troubled kid in tow, Ron is sure he can help… even though he must swallow his feelings for Kylee to avoid losing his already shaky position as school principal. Unfortunately for him, this mini-matchmaker isn’t willing to give up on securing a happily ever after for her mom. Will Ron be willing to risk it all in the name of love? And what will Kylee do when her past comes calling? Will love be just out of reach? Find out in this fun, funny, and heartwarming tale of just how far one little girl will go to bring these two grown-ups together.

    With over 600 5* and 4* reviews – you can now buy the first three books in the series for the price of two! Somewhere to Hide (Book 1, The Estate)Cath Mason has learned to be tough. The things she’s seen growing up on the Mitchell Estate, she’s had to be. Yet, even broken and beaten by life at times, she’s still the first person a woman in need of help seeks out. At Cath’s house, there is safety in numbers as well as a place to hide. No matter what trouble comes to her door, she won’t turn anyone away – because she knows what it’s like to live with secrets. But now a problem from her past has come back to haunt her, and she’s the one faced with a dilemma. What should she do first – help or be helped – despite being unsure she’ll ever be ready to confront her own demons? With danger around every corner, can Cath protect herself as well as the women whose safety is her paramount concern? Or has the potential for revenge already gone a step too far? Behind a Closed Door (Book 2, The Estate)Working on the notorious Mitchell Estate, housing officer, Josie Mellor, faces challenges every day, but not nearly as many as those of her tenants. Kelly Winterton is scared and alone after her partner has been jailed. Charlotte Hatfield has fled from her violent partner four times already. He’ll probably kill her if he finds her this time. Disowned by her family, someone is taking advantage of Amy Cartwright’s vulnerability. Who can she turn to for support? But Josie has her own problems to deal with too. As her home life deteriorates and she struggles to escape her controlling husband, she realises only a thin line separates her from the people she’s trying to help. When deadly violence erupts, will both she and her tenants become victims that no one will see? Fighting for Survival (Book 3, The Estate)When Caren Williams finds herself back on the estate she fought so hard to get away from, little does she realise she'll be living opposite her arch-enemy, Gina Bradley. Gina Bradley thinks she and her family rule Stanley Avenue so when Caren starts to become popular, she decides to hit her where it will hurt the most – she wants her husband. Lonely and depressed, Ruth Millington finds it a constant struggle to get through the dark times. Spiralling out of control, maybe she should let Gina's husband help her out when he comes calling. Brawling in the street, fighting on the square and conforming to peer pressure – it all comes down to holding your nerve. But this time not everyone will survive the notorious Stanley Avenue...

    Follow Mira's story as she faces life as a single mother, wrestles with the constant call of the ocean to her mermaid nature, and joins an all-male salvage team who is less than thrilled to have her. When my mother died, I ran to the ocean like a coward. Its cradle of salt puckered my memories and withered my sorrow like a grape drying in the sun. I had cheated grief and was foolish enough to think I had gotten away with it.When Nathan died, I couldn’t run away. No matter how much I flinched, bending toward the Atlantic the way ivy strains for rays of light, I could not leave. Grief was back to take what belonged to it for the time it was allotted. I had everything I wanted a few short years ago. My mate. My daughter. A home, a family. It made my head spin to think how much could change so suddenly. I mused, wondering later if I was the only mermaid to ever walk fully through the five stages of grief. But I had my daughter.Targa had yet to turn, the color and shape of her fins were yet to be revealed, but she would. I had been so sure of it then. Siren genes are passed from mother to daughter, without fail. Young legs melded into a shimmering virgin tail in response to a salty sea. But Targa didn’t turn in response to ocean water, not the first time, not any time after that. Something was wrong. I shoved my fear down deep into some dark corner where Targa would not see it and said with a smile that we’d just have to keep trying. I had turned at the age of three, but if there could be late-bloomers in the human race, why not ours too?Her fifth birthday came and went, still she hadn’t turned. Concern sent its barbs into me like a thistle, then it rooted and grew.Targa and I had weekly late night secret swims in the Atlantic, which had once been fun but were now polluted with expectation and suspense. Coaching sessions (my idea), where I attempted human psychology exercises I’d found in outdated textbooks at the library; guided visualization, breathing techniques, and even a failed go at hypnosis. The memory of her skinny little frame sitting in a bathtub containing more salt than water (Targa’s idea) is still enough to fill my eyes with moisture.I don’t know exactly when she lost hope, but she hid it expertly, patiently participating however I asked.I ignored the creeping thoughts that whispered in my mind; she didn’t even like water, didn’t really want to go for swim, couldn’t hear the ocean calling her. I would shove the thoughts away violently, excusing them as nothing but my own anxiety. It was ridiculous. A daughter of a mermaid who disliked the ocean. Impossible. When I muzzled those fears, I became aware of others of a different kind. Not my own, but hers, for me.She could see the want in my eyes. Whatever mechanism bees and dogs used to smell fear, Targa had it for despair. She could sense it on me, reeking like cheap perfume. Her eyes dipped in desperation, her obvious desire not to disappoint me sliced through me like a white-hot blade from heart to gut. She thought she was my tormentor. The realization struck like a hammer and gave me the strength to do what was needed: Let it go.The ocean could call. I’d let the smell of it crucify me, the sound of its waves crash against me, echo through me, call me, beg me.Targa’s need and my love for her was greater. If she never turned and I was locked in a land-cycle for the rest of our lives, so be it.So be it.

    DI Andy Tregunna is faced with the task of leading the investigation, but soon personal matters force him to step back.On compassionate leave and with little else to do than fight his own demons the unsolved case becomes more and more an obsession to him. As he is drawn deeper into a dark world of secrets, lies and revenge, his private investigation collides with his personal life.The truth is even more sinister than can be imagined...

    Reputations are dying. Don't let it happen to your company, your team, or your family. You need to turn this potential liability into leadership, and you need to start today. Learn the art and science behind why digital reputations are determining: business winners and losers, your child's future, effective vs. ineffective CEOs & school teachers, your team's culture, church congregation sizes, your next job, everything..

    The Descent of Air India elucidates how the airline failed to adapt and change with the times but preferred, instead, to bask in its past glory. Impractical expansion plans and thoughtless use of the airline's resources contributed to the company's financial collapse. Candidly written by Intender Bhargava, who spent more than two decades in the company, The Descent of Air India is the tragic tale of how one of the country's finest public-sector undertakings was brought down and the people and events that were responsible for its descent.

    Its large text and bold illustrations make it perfect for very young children learning to read and just beginning to make friends. The Awkward Yeti explores behavior that both kids and adults can relate to, making it great for parents too. It's a very quick read that you can enjoy with your kids over and over again!

    This boxed set includes nine ALL-NEW tales from New York Times Bestselling Author Sandra Edwards, USAT Bestselling Author Regina Duke, and featuring Bestselling Author Colleen Ladd.About Our Books:CHRISTMAS PAST by Sandra EdwardsThe holidays are turned upside down at the posh resort Serenity Pines when Liz Stephens receives a letter--more than forty years late in this newest installment in the Joseph's Point Romance series.CHRISTMAS PRESENT by Sandra EdwardsThe holiday chaos continues at Serenity Pines after Lily decides to stay in Seattle over the winter break from college, and inadvertently learns the secret her grandmother is hiding.CHRISTMAS FUTURE by Sandra EdwardsAs the holidays come to a close, the dust settles while the ladies of Serenity Pines receive a special gift--and just in time for Christmas. Join NYT & USAT Bestselling Author Sandra Edwards as she revisits Joseph's Point in this trilogy about love, loss, and second chances.THE CHRISTMAS APP by Regina DukeCan a Christmas app help Camryn Talbott step out of her sister's shadow and find what her heart really yearns for--true love!THE CHRISTMAS BEAU by Regina DukeWhen Holly falls for Tanner at the Christmas Circuit, he's surrounded by glamorous females, leaving Holly to wonder if she can compete. Will she end up with her Christmas Beau?THE CHRISTMAS SWEETS by Regina DukeTatum Price allows herself to splurge during the holidays, but Braydon Farmer's prize-winning sweets contain more than chocolate...and maybe more than Tatum bargained for. Is the secret ingredient true love?THE CHRISTMAS LIGHT by Regina DukeHanna Gordon's life is a mess and there is no room in her heart for Christmas spirit. Then she meets Trevor Gatlin and things are looking up, until her hopes are dashed. Can a Christmas tree heal her heart? Find out in this lovely offering by USA Today Bestselling Author Regina Duke.THE CHRISTMAS CARNIVAL by Colleen LaddPullman Siding's annual carnival turns truly magical when Carey Langley meets skijorer Hunter Cameron. But Pullman is Carey's home, while Hunter's always chasing the next race. It'll take a little extra magic to ensure a truly special Christmas.THE CHRISTMAS CHAMPIONJamie Drake is used to taking care of herself. But when her car breaks down in the snow and her new job turns out to be a dud, she finds herself with a champion, whether she wants one or not.CHRISTMAS MAGIC by Sandra EdwardsA down-hearted woman gets a magical candy bar from a sidewalk Santa that transports her into an alternate reality in this enchanting tale from NYT & USAT Bestselling Author Sandra Edwards.