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.

    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.

    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!

    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

    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.

    Woulfe compares this training exercise with other schemes in other branches of service.

    For example, myrrh is incense made from the resin of a North African bush and was a special gift during biblical times. To the Romans, mistletoe was a symbol of fertility, so today we are encouraged to kiss when it is near. The Yule log was originally used to brighten homes during the dark, cold Scandinavian Christmas season. Packed with all manner of delightful surprises and delicious morsels, A Christmas Miscellany demystifies the origins of familiar festive customs such as caroling and Christmas cards, and entertains with fun, little-known facts. This is the perfect gift or stocking stuffer for the curious-minded during the holiday season.

    You wonder if you’re doing the right thing and, as a stepmother, many of your specific questions are unique. In this second edition of Stepmotherhood: How to Survive Without Feeling Frustrated, Left Out, or Wicked, journalist and stepmother Cherie Burns brings together countless insights and sound advice, based on the latest research and interviews with experts in the field (including dozens of other stepmoms), to answer questions such as:• How do you manage discipline when parents and stepparents disagree? • How can you help stepsiblings get along? • How do you handle birthdays, holidays, and weddings?• What’s the best way to get along with your stepchild’s mother?• When should you seek a therapist’s help?Burns’s wise and empathetic suggestions go beyond struggle, stigma, and compromise, showing how sensitive, informed stepmothers can take charge—and pride—in their role, becoming more effective and fulfilled.

    They would ask her about her family’s health history, and she would hear the doctor’s familiar sigh after she answered, “I don’t know, I’m adopted.”Being perfectly happy with the loving family she had, Feldman never took an interest in finding her biological parents until diagnosed with a disease that she passed on to her son. Suddenly, Nancy’s lack of family history was affecting someone else.Writing to the Nebraska Children’s Home Society for help, the adoption agency assigned Nancy’s case to Rebecca Crofoot. This began a 17-year journey between the two women who were determined to find information about a family that might not know, or want to know, Nancy existed.Family Medical History: Unknown/Adopted is a heart-warming story of personal, medical, genealogical and emotional discovery.

    Discover the mindsets of the best, install the rituals of the icons, run the habits of the heroes and massive improvements will be yours for the taking. In The Little Black Book of stunning success, Robin Sharma - one of the true masters of leadership + elite performance on the planet - shares the potent insights that have helped so many people just like you do legendary work, live remarkable lives and lift everyone around them in the process. If you're truly ready to live your dreams, this book is your fuel. Dream. Dare. Lead. Learn. Craft. Create. Produce. Perfect. Iterate. Optimize. Inspire. Impact. Win. Repeat. Push. Rest. Love. Live.

    Fields Cookies... What backward messages on records are really trying to tell you... Frank Sinatra's real age... Why you can't counterfeit a lottery ticket... Barbra Streisand's blue movie... The other Boy Scout rituals... Ingmar Bergman's soap commercials... The formula for Play-Doh... and more.

    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.

    And yet, we stillremain obsessed with aviation disasters. What caused these accidents?Whose fault was it?  In her series of  books, Why Planes Crash, Sylvia Wrigley investigates the worst aviation disasters of the twenty first century.Why Planes Crash: 2001 is the first of the series. Wrigley has put together eleven of the most interesting incidents that the worldsaw in the year 2001. These include a detailed analysis of thedisastrous runway incursion at Linate, the passenger interferenceleading to the Avjet Aspen Crash and why an Airbus A300 disintegratedover Queens.From bad weather to the engineering faults in the aircraft, the author critically looks into each factor that might have lead to the crash.Her investigations and deep insight compiled thoughtfully in this bookmake it so interesting to read that you actually start feeling like awitness to the disaster and yet it is comprehensive enough for anyonewith no aviation knowledge to understand.

    Fun book of completely random facts.