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"Anyone who wants to get the best deal when financing a home needs to be armed with a little insider advice. The second edition of Mortgage Confidential lets readers in on what lenders really look for before they approve a loan, options they won't often divulge, which costs they have control over, and little-known sources of down payment money. Including up-to-the-minute information on new licensing and disclosure rules and the latest eligibility requirements, the book shows readers how to: Complete the loan application to maximize their chances of approval * Steer clear of credit repair scams * Pay zero closing costs * Qualify for the lowest rates * Avoid origination charges * Determine whether paying "points" can save them money * Identify a "rip-off" loan program * Refinance-even if their equity has dropped * And more! Whether looking into securing a mortgage for the first time or seeking to refinance, Mortgage Confidential gives readers the confidence and information necessary to get through this complicated process and find the ideal loan for their needs."

"For many homeowners, refinancing a mortgage can save them significant money, considerably reducing their monthly payments. It can also give them breathing space to pay off debts or allow them to make other investments, pay for college, or finance home improvements. In this essential guide, readers will learn why to refinance, when to refinance, as well as how to find the best lender, loan officer, and rate. Mortgage expert David Reed takes readers step by step through the refinance process and shows them how to evaluate their current loan program and compare it with other options."

"In today?s business environment, leaders at all levels are facing enormous challenges when it comes to achieving and sustaining breakthrough operating results. Globalization, economic change, more stringent regulation, and tougher governance make realizing shareholder value increasingly difficult. Intelligent Leadership is written for leaders who want to become more effective, strategic, operationally focused, and balanced. It is for leaders who are striving to take control of their destiny and become the best they can be. In this groundbreaking book, leadership coach John Mattone?recently named to the ?guru radar? by the prestigious Thinkers50?taps into his years of experience working with high-achieving professionals to give readers a roadmap for developing and mastering their executive maturity. Supplying three unique tools?the Wheel of Leadership Success, Map of Leadership Maturity, and the Leadership Enneagram?the book helps readers calibrate their abilities so they can simultaneously focus on their strengths and address their weaknesses. The goal is to improve key tactical competencies (such as critical and strategic thinking, decision-making, talent and team leadership, and communication) and integrate them with equally important inner traits like values, character, and beliefs in order to achieve their leadership potential. Featuring best practices, authoritative research, practical assessments, and enlightening examples of both good and bad leadership, this book equips readers with the knowledge, skills, and passion they need to become the leaders they were meant to be."

"At last! This hard-to-find information presented sensitively and accurately One out of every five North American couples experiences difficulty in conceiving, and finding the source of infertility can be a frustrating and time-consuming process. If you are grappling with the complexity of this situation, "The Fertility Sourcebook" will be a welcome source of information and comfort. This thoroughly updated edition includes hard-to-find information on fertility planning for same-sex couples and a foreword by Masood A. Khatamee, M.D., F.A.C.O.G."