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.

    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.

    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.

    a canine-human Esther Perel' The ObserverWouldn't you love to know what your dog was thinking?The truth is that your dog is communicating with you all the time but, unless you know the signs, you aren't picking up on what your dog wants you to know. Louise Glazebrook is a dog behaviourist, trainer and television presenter who specialises in teaching people how to understand and connect with their dogs. In The Book Your Dog Wishes You Would Read, Louise tackles everything from bringing the right dog home, understanding body language and breed behaviour, responding to common behavioural issues, to the toys and games that you and your dog will both love.Most dog trainers focus on the dog, but Louise focuses on you, the owner, giving you the skills and confidence to interpret your dog's needs and behaviour and build a better, happier relationship for life.

    Where to find the cheapest Universal Orlando admission tickets, how to save big on Universal on-site hotel rooms and skip the regular lines in the parks, when to visit Universal Orlando for the lightest crowds, and everything else you need to know for a stress-free Universal Orlando experience.

     Emily Atack was flung to fame at just 17, as Charlotte 'Big Jugs' Hinchcliffe in The Inbetweeners. Nearly ten years later, she won over the nation on I'm a Celebrity . . . Get Me out of Here! thanks to her hilarious impersonations and epic bravery during trials. While she was in the jungle, the country watched her go on a journey of self-acceptance and come out on top. Now Emily reveals the hilarious highs and the heartbreakinglows that rocked the years between. With astonishing courage and her trademark humour, she shares stories about her family, relationships, work life and love.Are We There Yet? is a warm, honest and funny book for anyone who has ever felt the need to break the mould to find out who they really are.

    It can grill, defrost, roast, steam and brown, and is a perfect one pot cooker. This book's recipes are about getting the best out of a halogen cooker.

    Heavily overweight and depressed for most of his adult life, in 2010 he set out on a voyage of self discovery and ended up running 9 marathons, 16 half marathons and a 100k in the process. Angry Jogger charts his progress from a fat recluse to an ultra marathon runner taking him across Europe and to Las Vegas in search of fun, medals and thrills. Angry Jogger is a left field two fingered salute to the profiteering dieting and self help industry.

    

    You would find yourself closely connected to these stories. They will encourage you to explore your own potential to inspire you, and to achieve your real worth. This book will also help you to understand the traits that keep you from achieving your dreams. The book lays down a process to help you emerge from the clutches of negativity and develop a positive approach towards life.By investing time in yourself, acknowledging your potential, setting a worthy goal, avoiding common traps, surviving bad days and harvesting the power of thoughts, you can be successful.Read this interesting book to Know Your Worth.-------------------------------------------------N.K. Sondhi:N.K. Sondhi’s first book was 'Management of Banking', which draws upon his experiences as a manager in the Punjab National Bank. He then turned to fiction writing, bringing forth the seen and unseen aftermaths of the partition of India in 1947 in his novel 'Cart full of Husk'. He followed it up with a short non-fiction, 'Forgotten City of Delhi (How Delhi became Delhi)'. He wrote his next book, 'A Match Made in Heaven: A 2000-year-old love story', based on the life of an Indian princess, who became first queen of Korea in 48 AD.Working with young people as he pursued social activities after his retirement, he sensed the restlessness among youngsters, who are facing a large number of problems due to stiff neck to neck competition in every field of life. Growing use of advanced technology has further alienated them from the main stream of the society. This has led him to initiate this book 'Know Your Worth' with the young and enterprising writer Ms. Vibha Malhotra.-------------------------------------------------Vibha Malhotra:Vibha Malhotra is the founder of 'Literature Studio' and editor-in-chief of the literary e-journal 'Literature Studio Review'. In the past, she has worked as an editor with Dorling Kindersley (Penguin Random House) where she has edited beautiful coffee table books on subjects such as history, nature, fitness, lifestyle, and travel.She is also a poet and a translator. Her work has been published in literary journals across the world such as Wasafiri, Muse India, Tipton Poetry Journal, The Luxembourg Review, Red Fez, and in dailies such as The Times of India and Ceylon Today. 'Know Your Worth' is her first work as an author.Vibha holds a Master of Arts in Creative Writing from Newcastle University, UK. She teaches creative writing to all age groups. By Profession, Vibha is a Lead Software Engineer at Adobe Systems.-------------------------------------------------CONTENTS1. Acknowledge Your Superpowers2. Invest in Yourself3. Take Charge4. Set a Worthy Goal5. Identify Your Worst Enemy6. Turn Your Fear into an Opportunity7. Avoid the Common Traps8. Harvest the Power of Thoughts9. Watch Your Attitude10. Keep Your Communication Clear11. Be Mindful12. Surviving Bad Days13. Nurture Your Ecosystem14. Stay SuccessfulINVEST IN YOURSELF Now that you know that you have superpowers that are there within you and can be harvested whenever you need them, it is important to take time to really explore all your strengths and weaknesses. Only then can you be fully prepared to achieve your goals. But we are mostly clueless that understanding ourselves doesn’t have to be a slow, tedious process, it can always be sped up.All of us are born with inherent likes and dislikes. Even a fetus in the womb has its own taste preferences, resulting in the seemingly irrational food cravings that expecting mothers experience. These preferences, likes, and dislikes are clues to the things you will be good at. If a child enjoys painting more than singing, chances are that the child will be better at painting than he/she is at singing. You can think of these as clues that nature chose to expose to us so that we can carve a satisfying path for ourselves.Most of us, even as adults, have whims, and mostly we choose to ignore them. Even as children, we are rarely able to indulge in every whim. There are always limitations – in terms of time, finances, facilities etc. – to keep us from fully exploring what we are capable of. But these are not the only factors that stop us. The biggest factor, in fact, is our own inhibitions, especially once we are grown-ups. We are afraid of new experiences, afraid of disappointment, afraid of failure, afraid of making fools of ourselves. And this fear keeps us from taking advantage of opportunities to gather new experiences. Let us try to understand this with the example of a young girl called Shikha. Shikha and the Ideation CompetitionShikha was an editor at a publishing house. She was very good at her job and apart from being an excellent editor, she also often proposed new book ideas to the publishing house.The publishing house announced a competition in which teams would work together and come up with new book ideas that they would then present to a jury comprising of senior publishers from all over the world. The selected idea would then be converted into a book that would be sold all over the world.Shikha had never ever participated in a competition, let alone won it. She wasn’t at all confident of her abilities to work in a team. And the fact that the competition was about new book ideas was making her restless. By proposing new book ideas in the past, she had earned a reputation in that area. Her colleagues and even her boss thought of her as a creative thinker. Shikha was worried that if she participated in this competition and lost it, her reputation as a creative thinker would be tarnished too. Can you guess why she was so full of doubts? It was because she had always attributed her past achievements to good luck, and had never given herself any credit for the book ideas she had come up with. Thus, she was afraid of being exposed as someone who really did not possess any great talent.She was still in this state of dilemma when she discovered that her manager had already nominated Shikha’s name for the competition. Now she had no choice, so she decided to go with the flow. With each passing day, her desperation to win the contest increased, and by the time the date of the competition arrived, she found herself unable to sleep. She knew that she would do anything to win this competition. For the first time in her life she was this passionate about something. She wanted to give it her all.On the day of the competition, she was put in a team and the team started with discussing the various ideas that all members had. Shikha had a great idea, but when she saw more merit in the idea proposed by another team member, she voted for it to be taken up for further preparation and the final presentation. She was almost feverish with excitement. And when her team members were of the opinion that they should give their best and not really care if they win or lose, Shikha was single-minded about her goal of winning the competition. Her focus proved to be contagious and soon all her team-members too were bubbling with enthusiasm. Guided by their single goal, the group of strangers really became a team and the initial idea evolved to become something they all believed in. Though the team leader was someone else, everyone could see that Shikha was the driving force for the team. When it was time to present their idea, the team leader proposed that Shikha should do it. And the presentation left the judges mesmerized. When their team emerged the winner, no one was surprised. Their idea and their presentation of it were deemed to be the best.Once she was out of the competition frenzy, Shikha herself was surprised. She couldn’t understand what had come over her during the competition. But she was glad to discover this other Shikha. She had gone into the competition based on her creative thinking, but her team had emerged a winner because of her team spirit and leadership skills. Shikha was surprised to discover these two new skills in herself. She had never thought herself capable of what she had achieved. Most of us are like Shikha – capable, but afraid of failure and public ridicule. And this is why we do not take chances in life. We like to play safe. But one can never really truly understand oneself by remaining in a shell. Unless you experience new things, you can never experience a new you. Unless you take risks, you can never transcend your normal, day-to-day existence.But, what gives us the capacity to take risks? Our confidence on our strengths and abilities. And from where do we get this confidence? Unfortunately, it isn’t a commodity and you cannot buy it from a shop. Money can’t buy you confidence. You need to work hard to develop it. You need to test yourself, which is again done by putting yourself in situations that you feel are beyond your reach. So, this is once again a chicken-and-egg situation. But after you have been through some such cycles and are confident of the situations you can handle, you are in a better position to fix your goals.However, it is easier said than done. Unfortunately, life is not a fairy tale and this means that we will not succeed every time we take up a challenge. There will also be times when we fail. This is inevitable. We will invariably have to face problems, and this may shake our confidence. Dealing with failures is not easy. It is like a double-edged sword. If you take failures too seriously, they may end up crushing you. On the other hand, if you take them too lightly, you will not learn any lessons from them, which means that the risk that you took would go to waste. So, you need to recognize failures for what they are – failures. Nothing more, nothing less. If you fail in a challenge, it does not mean that you yourself are a failure. This is the most common mistake we commit. Failing a challenge means that you failed that challenge. You need to analyze the situation, see what you could have done better, and move on to the next challenge where you can test your learnings.This act of never giving up, will give you confidence and this confidence helps us realize our capabilities. And this, in turn, shows in our personality. We hold our head high. We walk with determination. We talk with conviction, and we are normally in a good mood. Confidence also gives us perseverance – the ability to keep going after a failure. If you haven’t invested in yourself, you are more likely to give up after a failure or two.Confidence helps us stay on our path and not go astray. Many hurdles and problems may block our way and discourage us, but if we have confidence, we will not let these hurdles stop us. Instead we will search for an alternate path to our goal. The Little Bird and the BranchOnce a little bird landed on a branch high up a tall tree. The jungle below was full of dangerous predators but at this height, they posed no danger to the little bird. Feeling safe and protected, the little bird rested, enjoying the beautiful view around, and feeling completely at peace. Just as the bird became used to the branch, a strong wind started blowing, shaking the entire tree. The tree swayed with such intensity that it appeared the branch would break and fall down.To other animals, this could be a matter of great worry, but the little bird was not worried. Do you know why? Because the little bird knew its own powers and strengths. Even if the branch was to fall down, the bird knew that it had wings and the ability to fly. And the bird was also aware that if this branch was to fall, there are many other branches that could be used instead. Therefore, the bird, though tiny in size, sat on the branch, braving the high wind. The animals below, all of them much stronger than the bird, were filled with much admiration for this courageous little creature who was braving difficult circumstances. The story of this small bird tells us a lot about our own self-confidence and courage. If one road is blocked there are others we can follow. And if there are no new roads, there’s always the earth on which we can make a new road.

    Like the bungling burglar who logged on to his own Facebook page at his victim's house - and forgot to turn the computer off when he left, or the stupid bank robber who made his escape in his own car - complete with personalised number plates, or the idiotic criminal who tried to hand himself into the police... in order to collect the reward. Award-winning writer Andrew Penman has scoured the country for this hilarious collection of those who are not just bad, but also dim very dim. 'Andrew Penman enjoys a laugh at the expense of Britain's most stupid burglars' - The Mirror 'Exploits so dim-witted it's surprising they ever managed to keep themselves breathing long enough to commit any crime' - Wales Online Illustrated with cartoons drawn by Neil Kerber.

    They are first- generation Americans, citizens of other nations, and lifelong New Yorkers. But they all share one thing: They honor their loved ones by living their lives with purpose, and a promise to never forget.These courageous family members share their grief and loss-and hope- speaking in their own words, with love, courage, and strength enough to inspire us all.