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.

    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!

    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.

    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.

    With their punk roots, state-of-the-art videos, and notoriously hedonistic lifestyle, they captivated audiences around the world. This new book traces their remarkable story: their rise to fame, their split in 1985, and the ensuing splinter groups, drug addiction, and rehabilitation. In 2001, the original five members regrouped and are enjoying a level of recognition and popularity that few serious music critics would have predicted. Their mixture of synth and swagger has ultimately triumphed due to the core friendships of the band, their flair for memorable pop hooks, and an ambition that dwarfed most of their contemporaries.

    In just five months, you will be able to hold a conversation with German speakers. The audio recordings, made by professional voice-over artists, are invaluable for picking up the rhythms of the spoken language.Workbook and CD Package

    And learning these idioms and phrases will not only help you speak English better, it'll help you understand Americans better!Idioms are presented in 25 lively dialogues which tell the entertaining story of an American family, complete with illustrations. The book comes with an audio CD of all of the dialogues. Contains dozens of helpful exercises & six crossword puzzles to reinforce the material, with convenient answer key for self-study. About the AuthorAmy Gillett has taught ESL (English as a Second Language) in both the United States and Europe. She holds a BA degree in literature fromStanford University, an MA from Stanford in Russian & East European Studies, and an MBA from Cornell. She speaks several foreign languages.Her writing has appeared in many national magazines and newspapers, including MAD Magazine, Family Circle, and the San Francisco Chronicle.

    Demons & Deadly Encounters. A Journey into the ultimate Heart of Darkness. Excerpts; ‘It’s the middle of the night and he thinks he’s been asleep for a while but he’s wide awake now. Something is pushing down on his chest, hard. He’s fighting to breathe and he tries to move, to get it off him, but his body won’t move. He’s paralysed and filled with panic. He tries to scream but nothing comes out...’ ‘They told her they were going to kill her and she didn't have a chance; they were too many...’ ‘Stood in the hall was a dark figure. The presence was finally showing itself to me...’ ‘The children’s eyes were rolling in their heads, blood pouring from their ears and mouths, talking in strange languages, and being thrown involuntarily across rooms...’ ‘Marks appeared on the neck of our three year old son. They were purple. They looked like strangulation marks.’ ‘Her eyes, which had moments before looked lacklustre and vacant, suddenly blazed with inhuman light.' ‘As the Doctor looked down at the blood in the bowl, he saw it swirling around in a most unnatural way, before rearing up in a solid column and leaping out of the bowl on to the floor. At this point the bowl shattered into a hundred pieces. The doctor fled in terror.’ ‘There are practitioners who have attempted to summon demons, and have been found with every bone in their body broken the next day.’ “I wake to see a tall, dark, hooded figure, standing still, right by my bed; his face covered by his hood, but watching me. I know he was real; I could hear his breathing...” “Her eyes rolled in the back of her head, her face contorted and she would tell him ‘they’ were going to kill her, that she belonged to Satan. It was a deep man’s voice that came out of her. The voice said, “We can kill her at any time we want...” “I’d lie in bed and feel someone’s arms around me. It wasn’t a safe feeling but a menacing one, as if someone was showing me that I belonged to them.” ‘According to the police report, one of the women had killed herself after she’d told friends she’d been hearing a voice that kept telling her to kill herself.’ “A creature appeared in the room, its eyes were glowing red. This creature was physical; at least after it had entered into our reality. It was naked, no hair, extremely muscular. I estimate his height about six foot five but his bone structure was bigger than in a human. His mouth was huge. There was no way to describe it other than as a demon.” "It was just supposed to be fun; we were asking it questions, and then it asked if it could visit us, so I said yes, thinking it was one of the children doing it; but it wasn’t one of the kids. And that’s when the horror started...” ‘Suddenly it was like a stake pierced my chest and gradually, I felt the sensation of it pulling open my ribs. I thought I would die...’ “I saw a boy sat at a table. He called me over to him and started talking to me. He spoke as if he knew all my thoughts. He finished my sentences for me. He promised me everything I always wanted. But there was one condition; I give my soul over to Satan.” “As I lay there I would see demons appearing in different forms; the most hideous faces, covered with blood, with sharp teeth and claws." “When I opened my eyes there was a black shadowed figure. It loomed over me, then took hold of me. I tried to get out of its grip but its strength was overpowering.

    Includes a wide variety of interesting stitches for all skill levels from beginner to advanced Helpful diagrams and easy-to-follow, excellent instructions and a clear photograph of each stitch.

    In Believe in You, the six Cimorelli sisters share their experiences and accumulated wisdom on everything from dating and friendship to faith and family.As Christina, Katherine, Lisa, Amy, Lauren and Dani tour the world with their music and read their social media messages, they meet and hear from thousands of girls sharing their hearts. Now, in Believe in You, the sisters are connecting with young women who have the same concerns.The teen years may be difficult, confusing, awkward and scary, but it's a lot better when you have someone to go to for advice and some positive, encouraging words. Reading Believe in You is like receiving a big hug and the assurance that you never, ever have to try to change who you genuinely are to be like someone else. You are amazing and unique!

    It was the start, for better or for worse, of a long relationship with this unassuming and much maligned little country. He decided to put worldwide opinion to the test: is Belgium really as boring as people say it is? Immersing himself in Belgian culture – and sampling the local beer and ‘cat poo’ coffee along the way – he discovers a country of contradictions; of Michelin stars and processed food, where Trappist monks make the best beer in the world and grown men partake in vertical archery and watch roosters sing (not necessarily at the same time). This colourful and eccentric jaunt is proof that Belgium isn’t just a load of waffle.

    From humble beginnings in a barn in Pennsylvania to soaring victories in the French Alps, Team 7-Eleven is the complete history that has never been fully told-until now.

    She imagined posh flights and swanky hotels. Then I said the three words every girl longs to hear: Volkswagen camper van.’This frank and funny true story of a 'family gap year' like no other shows how the passing comment of a bored 9-year-old can snowball into an absurd expedition into strange lands, financial peril and some distinctly unsavoury living arrangements. With Strawberry Fields New York in their sights, the Beatnik Beatles inadvertently gatecrash an Italian wedding, suffer brutal torture at the hands of a Turkish masseur, appear in a Bollywood film and trust their entire journey across Australia to the whim of an army of online-blog followers - and all to a Lennon & McCartney soundtrack, played badly on instruments bought on eBay.Got a taste for adventurous travel? Ever felt the peril of performing in public? Tried to entertain children on a very, very long car journey? Great! Do you want to join a band?‘It’s a dirty story of a dirty man.’Paul McCartney‘Please stop calling us.’The Times Literary Supplement‘We do not condone absenteeism on this scale.’Oxfordshire Education Authority(From Amazon.co.uk)