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.

    Joy White tells uncomfortable truths and blows apart our understanding of racism, crime and policing in our inner-cities.Since the 1980s, austerity, gentrification and structural racism have wreaked havoc on inner-city communities, widening inequality and entrenching poverty.In Terraformed, Joy White offers an insiders view of Forest Gate -- an urban neighbourhood in London -- analysing how these issues affect the black youth of today. Connecting the dots between music, politics and the built environment, it centres on the lived experiences of black youth who have had it all: huge student debt, invisible homelessness, custodial sentences, electronic tagging, surveillance, arrest, police brutality, issues with health and well-being, and of course, loss.Part ethnography, part memoir, Terraformed uses the history of Newham, London as an example of inner-city life across the globe and considers how young black lives are affected by racism, capitalism and austerity.

    Marine Corps sniper Craig Roberts, a seasoned veteran of the Vietnam war, stood for the first time at the 6th floor of the Texas School Book Depository. As he looked down into that the U.S. Government maintains was the kill zone used by Lee Harvey Oswald, he knew immediately the the Warren Commission's verdict that Oswald, acting alone from that position, fired three shots is 5.6 seconds with an ancient bolt-action rifle was a lie. If Oswald, by himself, could not have done it, then who could? And why? Follow Roberts's investigation of six years into a shadow world of black operations into a level above the CIA, the KGB, the Mafia, Texas oil and others into a powerful organization that to them, to murder a head of a country anywhere is "business as usual."

    A book that offers highly actionable ideas on how every Indian - from a child to a senior citizen can participate in nation building. Gender, age, education, socio economic status does not matter. You don't even have to be within the geographic borders of India. You can be anywhere on the planet and contribute towards making a positive difference in India.From food to environment to water to Swachh Bharat and many more aspects where we can make a positive difference to the country as we go about our daily lives.Stories of unsung heroes from across India will leave you enormously inspired. Citizens have shared their action ideas. The youngest contributor is 7.5 years. The oldest is 104 years.The author invites you to read, reflect and write your ideas and bring them to life with your actions. Inspire India with your actions. Get inspired by the actions of fellow citizens. Join the journey to be an #IndiaPositiveCitizen

    While other historians have focused their examinations on the cataclysmic years immediately before and after 1917, Figes shows how the revolution, while it changed in form and character, nevertheless retained the same idealistic goals throughout, from its origins in the famine crisis of 1891, until its end with the collapse of the Soviet regime in 1991.Figes traces three generational phases: Lenin and the Bolsheviks, who set the pattern of destruction and renewal until their demise in the terror of the 1930s; the Stalinist generation, promoted from the lower classes, who created the lasting structures of the Soviet regime and consolidated its legitimacy through victory in war; and the generation of 1956, shaped by the revelations of Stalin’s crimes and committed to “making the Revolution work” to remedy economic decline and mass disaffection. Until the very end of the Soviet system, its leaders believed they were carrying out the revolution Lenin had begun.With the authority and distinctive style that have marked his magisterial histories, Figes delivers an accessible and paradigm-shifting reconsideration of one of the defining events of the twentieth century.

    It's a hard-bound, 898-page, full-color feast for the senses. Completists will get lost in thousands of freshly-manicured setlists, song histories, and charts. Prose junkies will binge on hundreds of evocative show reviews and fan stories. Photophiles will gape at 128 pages of dazzling Phish photography - most of which has never been published. And poster collectors, get ready: The Phish Companion's eight chapters are anchored by stunning original works from Welker, Masthay, Helton, and more - each of whom was commissioned to freely interpret a period of Phish. No need to wait in line before "doors" for this art. If that's not enough, the net proceeds of your purchase will benefit music education programs via grants from The Mockingbird Foundation. We firmly believe that music is not extracurricular, and we have seen first-hand how your generosity changes lives. Yes, the Phish story is one of epic sweep, but it's also personal. It's about the feeling that overtakes you when the lights go down and the roar comes up. Feel the feeling, right at your fingertips. Read The Book.

    

     Imagine canning a whole moose. One thousand pounds of meat, critical to survival through the brutal winter on an island in Alaska. And doing it in a home with no electricity, no plumbing, and no refrigeration. For the Wards, this is just another ordinary task in an environment that can be unforgiving of mistakes but immensely rewarding to those willing to embrace the work of creating a home in a harsh but beautiful land. In this sequel, Sam and Bonnie are thriving, building getaway cabins and continuing to joyfully tackle life on a remote, isolated island on Skilak Lake, where williwaw winds can whip up suddenly and without warning, and wicked storms can blow for weeks. In an era before cell phones and internet, their ability to communicate with the rest of the world, accessible only by boat or plane, is at the whim of the temperamental lake. Then, just as they are about to achieve a new dream, one of the largest man-made, environmental disasters strikes, altering their lives and threatening their livelihood and idyllic life. Will the love and devotion between Bonnie and Sam be enough for them to survive, or will Alaska finally win? From the awe-inspiring beauty of the Northern Lights, to terrifying accidents and strangers, to a Christmas miracle, this is a testament of courage and inspiration to anyone born with a wild longing in their hearts. Through sorrows and joys, love and loss, God’s hand is always present in their lives as Bonnie shares her chronicle of faith, survival, and beauty in an untamed land few others will ever know.

    The book opens with Leaf Fielding's arrest in a pre-dawn police raid and ends five years later with his release from jail.The narrative moves back and forth between the harsh world of prison and his previous life - from a childhood at a brutal boarding school onto undergraduate days and his LSD epiphany in the summer of love, 1967.Acid transformed him in an instant from nerdy scholar to footloose freak. His ten years of adventures in the hippie underground gave the title to this book - a quote from a Bob Dylan song - they also took him across Europe, to the Andes, to Indochina and on to the edge of the known universe. They also led inexorably to his downfall.

    Our culture once rewarded independence; now it rewards victimhood. Parents once taught their kids how to fend for themselves; now, any parent who tries may get a visit from the police.In Not a Day Care, Dr. Everett Piper, president of Oklahoma Wesleyan University and author of the viral essay, "This Is Not a Day Care. It's a University!," takes a hard look at what's happening around the country--including the demand for "safe spaces" and trigger warnings at universities like Yale, Brandeis, and Oberlin--and digs in his heels against the sad and dangerous infantilization of the American spirit.

    If you’re looking for the outer orbits of America, come to Florida, and if you seek the Sunshine State’s funky-drumbeat fringe, you can do no better than Lynn Waddell.”—Tim Dorsey, New York Times best-selling author “Waddell takes readers to Florida’s wild side, where strippers, swingers, bikers, exotic animals, and carnies enjoy sun-kissed lives in America’s strangest state.”?Trevor Aaronson, author of The Terror Factory: Inside the FBI’s Manufactured War on Terrorism “Lynn Waddell’s riveting you-are-there reporting lives at the intersection where Florida’s wacky subcultures and seamy undersides meet up. When you read this book, make sure you’re standing over carpet—that way you won’t hurt your jaw from dropping it so many times.”—Craig Pittman, author of The Scent of Scandal: Greed, Betrayal, and the World’s Most Beautiful Orchid “A fast, fascinating read. Waddell delivers ten surprising subcultures you might not dare visit on your own.”?Lyn Millner, Florida Gulf Coast UniversityFlorida has a titillating underbelly that few tourists ever see. Beyond the theme parks and the beaches lies a periphery most residents know about but—out of decorum or discomfort?prefer not to discuss. In Fringe Florida, Lynn Waddell explores the exotic, sensational, and sometimes illicit worlds of the oddest state in the nation.Waddell takes the reader on a colorful journey to meet the most unconventional of Floridians in unbelievable and spectacular places. At Fetish Con, she befriends furries and pony girls. She travels to Cassadaga, the oldest active Spiritualist community in the South, where trained mediums converse with the dead, and to the Holy Land Experience theme park in Orlando, where one can eat a hot dog while watching a reenactment of the Crucifixion. She interviews the founder of the Leather & Lace Motorcycle Club, a Daytona Beach-area grandmother who hosts the club’s annual gathering, welcoming scores of lady bikers to camp out on the lawn of her subdivision home. At an Animal Amnesty Day outside Busch Gardens, Waddell meets exotic reptile owners who give up their beloved-but no-longer-manageable pets and others who vie to take home the cast-offs.If you’ve ever wanted to parade around on a pimped-out swamp buggy amidst a couple thousand beer-swigging mud boggers or fall asleep with a python hissing in your ear, been tempted to bring a Capuchin monkey in a stroller to a Little League game, or contemplated sitting on the beach waiting to be picked up by a UFO but couldn’t quite bring yourself to such extremes, Fringe Florida is for you.

    “Nothing,” he says. I look him in the eye. Nothing? He nods. I ask him about his chronic skin infections, his diabetes. He tears up: “I eat hot chips and fried dim sims and drink three bottles of Coke every afternoon. The truth is I’m addicted to eating. I’m addicted.” He punches his thigh.In Fat City, Karen Hitchcock unpicks the idea of obesity as a disease. In a riveting blend of story and analysis, she explores chemistry, psychology and the impulse to excess to explain the West’s growing obesity epidemic.