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.

    

    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.

    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.

    But then, matrimony came along and politics suddenly felt like the non-essential elaichi in this Mughlai Biryani called life. When my ‘loved ones’ subjected me to scenarios unimaginable, when as the groom I had to wait for an hour for my baaraat to arrive, when certain ‘rituals’ scarred me with shame for the rest of my life, I so wanted to give it back to the society! And hence, ‘Lehengey and Lafdey’ was born. LnL will raise your ire, tickle your funny bone, and show you everything except what a wedding is supposed to be: a sacred union. In a world filled with romantic novels, where love always wins in the end; patience, perseverance and the insane ability to bear a butt load of crap is required to emerge victorious in the holy war of matrimony. Enough talk! Jump right in and witness a whirlpool of emotions, with a cup of masala chai and some fryums on the side. Put your seat belts on, for it is going to get crazy. Welcome to the world of Lehengey and Lafdey!

    In the London office my new boss Victor tells me I shall be working in a regional office - and he wants me to drive there. I am to deliver Victor's shiny Jaguar: his pride and joy. The office is in Calcutta. This all sounds like fun to me. A month long holiday. How bad can that be I think and decide to invite my friend Douglas to come along for the ride. This will be a road trip to die for I tell him. Victor's P.A. Shirley is the all seeing eye. Nothing gets past here. I have to report in on my progress at key points on the route. Shirley is going to be watching me. 'If you so much as scratch it you're dead.' I laugh, what could possibly go wrong....? well just about everything. We were OK up till Trieste; then a goat got in the car - after that it was downhill all the way to Calcutta.

    The secret? Harnessing the incredible power of sleep.Over six episodes, a world expert on sleep will act as a guru to an insomniac comedian, transforming their nocturnal habits and showing how you can do the same. In our hectic modern lives, sleep can often feel like a luxury - studies have found that 52% of Britons struggle to sleep, while around 70 million Americans suffer from a chronic sleep disorder. However, our sleep guru and their celebrity apprentice will reveal that everything we thought we knew about sleep was wrong, and teach us how to capitalize on one of the most often neglected resources for transforming our lives.Over the course of a journey to improve the star’s sleep quality, they will demystify the science behind how and why we sleep so that we can use it to make concrete improvements to our health, wellbeing, and productivity.A TBI Media production for Audible Originals.This is an Audible Original Podcast. Free for members. You can download all 6 episodes to your Library now.©2020 Audible, Ltd. (P)2020 Audible, Ltd.

    We humans are perfectly designed for life on Earth. We can walk around, breathe, drink water, eat vegetables, read books, not get poisoned or crushed to death when we go outside - it's lovely right where we are.) Not convinced? GOOD! People have been dreaming about space travel for centuries - there's something amazing about the idea of leaving our planet behind and setting out to explore the Universe - there's so much we still don't know. UK and Ireland's best-loved comedian Dara O Briain takes you on a journey from the safety of your comfiest chair to the furthest reaches of space (and beyond!)

    A potpourri of musings assembled with a hint of practical spirituality, to be savoured passably as an oracle of hearts to the many answers, whose questions our minds are yet to comprehend. Ivory Gleam is split into three chapters of learning, longing and loving. Each chapter is a journey traversing a different road to the ultimate destination of self-reflection.

    Daysearlier, while traversing the Straits of Sicily the crew had discovered a crack in one ofthe nuclear reactor pipes, requiring the immediate shutting down of the reactor toprevent a potential reactor accident, an operation never before conducted on a Britishsubmarine at sea.Th e previous six days had been a difficult time for the crew of the submarine. Initialindications of a nuclear reactor defect had quickly escalated into a full scale potential nuclearreactor accident at sea, requiring decisive action by the crew to make the reactor safe, toidentify the defect and attempt to repair the reactor, and then to surface the submarine andto sail her safely back to the nearest safe harbor using emergency propulsion machinerydesigned for very limited use. The resulting lack of electrical power resulted in the crewhaving to sacrifice lighting, air-conditioning, bathing facilities and even hot food until theirreturn to harbor, and to suffer in the excessively hot interior of the boat. Throughout,there remained the fear of exposure to deadly radiation and the uncertainty that the reactormight still be one step away from a major accident.For one man onboard, this episode formed the culmination of a 25 year navalengineering career almost fated for this moment. Charge Chief Stephen Bridgman,the senior nuclear propulsion technician, had needed all of his engineering knowledgeand experience in the identification and eventual repair of the submarine reactor,subsequently being awarded an MBE together with a colleague for his services to navalengineering for his actions.This book provides an insight into a remarkable naval career starting as a 16 year oldStoker on the final proper British aircraft carrier HMS Ark Royal in 1977, throughthe Falklands War, being selected for naval technician training and submarine service,submarine training, submarine patrols in the supposed post cold-war period, theKosovo conflict, progression through the ranks, submarine refi t and refueling throughto the nuclear reactor accident onboard HMS Tireless.While there are countless accounts of naval life during wartime, this book tells theunique story of life as a British naval rating in the modern era, starting from the lowestlevel at a time of decline for the Royal Navy in the late 1970s, and paralleling the majorpolitical and military events of the 1980s and 1990s.

    Life was a despairing time in the 1950s, as Veronica sought desperately to keep away from his cruelty. Astonishingly, to her and her mother, she won a scholarship to Ackworth Boarding School where she began to shine above her class-mates. A champion in all sports, Veronica at last found some happiness until her brother-in-law came into her life. It was as if she had stepped from the frying pan into the re: he took over control of her life removing her from the school she adored, two terms before she was due to take her GCEs, so he could put her to work as a cheap option on his market stall. Abused for many years by these two men, Veronica eventually ran away and applied to the Prison Service, knowing it was the only safe place she could trust. This is the astonishing, and true story of Veronica Bird who rose to become a Governor of Armley prison. Given a ‘basket case’ in another prison, contrary to all expectations, she turned it around within a year, to become an example for others to match. During her life inside, her ‘bird’, she met many Home Secretaries, was honoured by the Queen and was asked to help improve conditions in Russian Prisons. A deeply poignant story of eventual triumph against a staggeringly high series of setbacks, her story is filled with humour and compassion for those inside.

    

    Originally published in 1960, this compact book tells the true story of a German soldier: from his early childhood during the First World War, through to his harrowing experiences on the frontline during the Word War II, culminating in his capture by the Red Army on 20 December 1942…An astonishing first-hand account.

    It could be an oddball researcher’s genius insight, a catalyzing moment in geopolitical history, a new breakthrough technology, or an unexpected but welcome side effect discovered during clinical trials. Piece together these stories, as Thomas Hager does in this remarkable, century-spanning history, and you can trace the evolution of our culture and the practice of medicine.  ​Beginning with opium, the “joy plant,” which has been used for 10,000 years, Hager tells a captivating story of medicine. His subjects include the largely forgotten female pioneer who introduced smallpox inoculation to Britain, the infamous knockout drops, the first antibiotic, which saved countless lives, the first antipsychotic, which helped empty public mental hospitals, Viagra, statins, and the new frontier of monoclonal antibodies. This is a deep, wide-ranging, and wildly entertaining book.