In today’s world of consumerism, one is never enough for us. people are always craving for more and more. And when we are living in the era of technology where multi tasking is the mantra, how can we be satisfied with any gadget which can serve only one purpose. If we take the example of mobile phones, we see that these small devices have come a long way and today these are not just means of communication but can be used as a camera, music players, mini camcorder, gaming devices, web explorer, mini computer and what not. The list is endless.

With each passing day, we are getting new and sophisticated models of mobile phones which are capable of handling multi-tasks simultaneously. Over the last couple of years, the entire mobile phone scenario has gone a radical change. First came the camera feature, then music player, then wireless connectivity through Infrared, USB and Bluetooth, then Internet access through GPRS, WAP, XHTML and now 3G and WLAN. Isn’t that a great achievement? Of course it is! That’s the power of technology.

LG, one of the major mobile manufacturing companies, is becoming hugely popular these days because of their feature rich mobile handsets. Now, they have come up with their first completely touch screen mobile handset in collaboration with the famous luxury brand Prada known as LG KE850 Prada.

The handset is equipped with advanced touch interface which makes navigation easier than ever. You can maximize your visual impact with the wide LCD screen of LG Prada handset. The phone includes a 2 megapixel camera with a Schneider-Kreuznach lens and an Mp3 player with music multitasking function for messaging.

Another innovative, user-friendly and feature rich handset from LG, which deserves an applause, is the new LG Shine KE970 which is loaded with new-age features and amenities. Multimedia has got a new definition with this latest model.

The LG Shine shines in every aspects and for the fashion conscious people, LG Shine is the perfect choice. The phone is definitely a leader in the line of multimedia phones and boasts of a 2 MP camera, dedicated music player with 1GB worth of internal memory. The stainless steel casing and the intelligent slide opening mechanism make the phone a designer gadget and 2.2 inches QVGA display screen is bright and clear. The display screen of LG Shine phones can be used as a real mirror when the phone is kept in its closed position. And whats more? You can connect your phone to other compatible devices without using those clumsy wires with the Bluetooth wireless connectivity feature of the handset.

So, if you want to own a mobile phone with cool looks and great functionality, just go for any of these aesthetically designed handsets and enjoy designer mobile communication experience.

To get some of the best contract mobile phones on LG Prada and LG Shine on 3 mobile, t mobile, orange, O2, Vodafone network, please visit the site.

Our daily lives are filled with multiple choices that determine what we do.

We could choose to spend our time learning about the advances that science has made in discerning what is happening with our oceans and glaciers as a result of global warming; or in the prediction of weather patterns; or in the discovery of genetic coding for a variety of diseases; or in the expanding view of space that lies beyond our own galaxy.

We could learn another language, since most Americans, as compared to Europeans and others, know only one language, not two.

We could become absorbed in our own creative pursuits - we could write a play, learn to sing, or extend ourselves in whatever directions our creative capacities take us.

Most importantly, we could, from the time we are little, recognize that our inner life is as important as our outer life, for we are spiritual beings with a calling to be such upon the earth, and we need to pay attention to the inner world which shapes everything that happens outside ourselves.

Instead, we, as a society, pay attention to the latest scandal. To the latest marriage or break-up of Hollywood’s media stars. We pay attention to those whose lives we imagine without knowing, because we want to imagine and because we need to imagine. We study everything about them - who they associate with, where they vacation, what they eat, what they wear, what they say they believe in. We live their lives within our own, often instead of living our own life more deeply.

To think that this happens as a current of popular interest because extensive media coverage has made such a perspective available to us is only part of the truth. America is fascinated with her ’stars’ because there is something indigenous to American culture that is driving this fascination, as it also does in other parts of the world that have become ‘westernized’ or who follow America’s suit.

What drives this pattern is something deeper than a popular current of interest, deeper than something that makes us seek hobbies or pastimes as areas of distraction or even of play. It is a hunger for a different reality than the one we live in. It is a desire to live in the reflected glory of others - to live a life that is larger than ourselves when our own seems small by comparison. It is a desire to live, and play, and think, and dream, in an imaginary world that takes us away from the everyday concerns that plague us that create a sense of limitation and helplessness. In a word, it is a spiritual hunger, a seeking of nourishment for our desire for freedom - the freedom of infinite possibilities in a life we imagine others to live that we cannot attain. It is also, paradoxically, a way of valuing our own lives more, since we realize, in a deeper part of ourselves, that the glamour that becomes the basis for fame, also becomes the basis for heartache, the basis for false pride, and the basis for false or limiting relationships with others.

The desire for freedom to live a glorious life, a life filled with possibility and adventure, of beauty and of joy, is a wish that is part of our humanity. It is a wish that comes from the inner drive to express ourselves, built into our fundamental experience of life. This is not a peripheral motivation. It is central. And when we cannot satisfy it in our own lives, we satisfy it through living the lives of others.

In addition, the sense of the falseness of glamour, of fame, of wealth, and of self-importance, comes to us when we view the breakups, scandals, downfalls, or other misfortunes that occur to others. We find excitement in these things because we are learning to value what is true and to discard what is not true, and we presently do this in the more childish way of feeling superior to others as we witness their undoing, rather than in a way that is more self-reflective and more concerned with correcting our own errors than the errors of others. This is the result of spiritual immaturity, and it is only increased consciousness that will change it.

Both of these trends - the desire to live the life of others as an externalized expression of our own desire for freedom, adventure, and glory - and the involvement and excitement that we feel in relation to scandals concerning the rich and famous - come from a life that is not fully lived, a life that has not yet come to know its own spiritual roots and the richness of living creatively, freely, and with the capacity to bring joy, color, and adventure into it, rather than to experience these things vicariously.

We are, as we become absorbed with the images of the lives of others - whether in their glamour or in their heartbreak - trying to give to ourselves the richness and possibility that we seek in our own lives. We are trying to live a larger life when our own lives seem smaller and more confined, to live a life of brilliance, when our own lives seem pale.

This fascination with celebrity will end when we come to recognize individually, that the life we seek is possible for us, and that it is based on the unfoldment of our own creative potential and the perception of the great depth that lies within us. When we realize the truth of this, we will become stars in our own world, filled with the brightness of our own Divine self expressing upon the earth in ways that are uniquely our own. Then, there will no longer be a need to live life through witnessing others in their greatness or in their misfortune, for we will not have to live a life based on comparison or identification. We will be able to live our own lives with the sense of possibility that has been given to us as children of Spirit, and in these lives will be all the richness of experience that we currently seek elsewhere.

For other writings by Julie Redstone see Pathways of Light. For more about spiritual growth and deepening, see the Calendar of 100 Days and other Calendars by Light Omega.

Pitbull is one of the popular breeds of dog. These dogs are also called as American Staffordshire terrier and American pitbull terrier. The person who likes to rear these dogs must have pitbull information. Here is little pitbull information.

The Health of Pitbull

The average life span of these dogs is twelve to fourteen years. The pitbulls have few typical health complications they are hip-dysplasia, cataracts and allergies of hereditary origin, and susceptibility to parvo viral infection.

Pitbull Personality

In general these pitbulls are healthy. These pitbulls are very much dependant on human beings. These dogs crave for love and affection from the human beings. These animals are definitely more intelligent than most other breeds of dogs.

In general pitbulls are confident animals and are out going in nature. But the confidence level can be go eroded in these dogs are not cared properly by the human beings or kept in confinement for longer period of time or subjected to excessive abuse.

Negative Characters of Pitbull

Some people dislike these pitbulls because of the aggressive nature. The inexperienced pitbull owners belong to this category. They often mistake these dogs excess activity as human aggression.

These pitbulls resort to destructive chewing if frustrated or kept without proper exercise. Some people forced to abandon these wonderful dogs if they had to move in to an area where pitbull rearing is prohibited.

Pitbulls in Rescue Center

Because of the few negative points that we discussed little while earlier these pitbulls are forced to live in the rescue centers. But these pitbulls are not at all happy at rescue centers as these dogs love the attention and care of the human beings. But these dogs can adjust themselves to the new situation as quickly as possible and develops bonds with the new people.

The dog’s adaptability to the rescue center depends very much on the attention provided at the rescue center, the dog’s temperament, and the past experience of the dog.

Pitbull and Children

These pitbulls love to play with the children. But there is a word of caution. As these dogs are filled with energy to the brim, they can accidentally knock or pump on the children.

Hence the parents must be near the playing area when the children are playing with the dog. This kind of accidental bumping will be more common if the pitbulls are below two years of age.

Pitbulls and Other Breeds

There one very important pit-bull information. These dogs can’t tolerate the other dogs as these pitbulls are dog aggressive. These pitbulls are very aggressive towards the dogs of other breeds especially if the dogs are of same sex.

At puppy stage these pitbulls can tolerate the other breeds. This may mislead the inexperienced owner. The person with sufficient pitbull information will be the perfect owner for these popular breed of dogs.

Senthil kumar is a writer for dog care tips and advice. His site includes information on history of dogs, pup selection, nutrition of dogs, housing of dogs, dog breeds and health care of dogs. For more articles, tips and resources, please visit his site at http://www.edogadvice.com

Unsecured loan has raised its demand in the market. Its rise in demand is due to fast approval, easy terms and facilities both for tenants and homeowners.

Unsecured loans fulfill the dreams of those who either don’t have or who don’t want to possess there security against the loan. So while dealing with the unsecured loans, borrower doesn’t have to face the collateral repossession threat. Besides this borrower also enjoys fast cash approval as little paperwork is required for acquiring the loan as it involves no property evaluation.

For the fast cash approval, borrower can opt for prominent banks, institutions, lenders or the online market. With the global turn, borrower can avail the loan from any online lender while sitting at home or office. While considering loans, borrower must compare the quotes of the different lenders so that he ends up in reliable and authentic deal.

Unsecured loan borrower can use the loan for the different purposes like vacations, education, debt consolidation, home improvement, business expansion etc. Unsecured loans are the best option for the tenants and non-homeowners

With the unsecured loans, borrower can avail the loan amount ranging from the £1000 to £25,000, which has to be repaid in time span of 5-10 years. Unsecured loan borrower might have to pay higher interest rates for the loan as lender has to bear high risk as no collateral is placed against the loan. Proper research can help the borrower to acquire the loan at the feasible interest rate.

But if the borrower fails to cope up with the repayment term lender can opt for the legal methods to acquire the amount, this is mainly in the extreme cases.

Borrower tagged with bad credit history like CCJ’s, IVA, payment defaulter or arrears can also seek for the unsecured loans. Moreover with the unsecured loans, bad credit borrowers can also improve their credit history by paying the loans installment on time.

Andrew Baker has done his masters in finance from CPIT. He works for the Loans Valley for any type of loans as Unsecured loans, bad credit unsecured loans, small personal unsecured loans, small business unsecured loans, fast unsecured loans please visit http://www.loansvalley.co.uk

If you are thinking about buying a swanky car and financial constraints are coming your way, then Motor loans are a viable loan option for you to take.

Motor loans or Auto loans can be taken as a secured as well as an unsecured loan type. For a secured loan type, you have to put your property as collateral. On the other hand, with an unsecured loan option, you are not required to put your property as collateral.

If you are planning to buy a luxurious car which might be expensive for you, then a secured motor loan would be a feasible loan type for you to take. With a secured loan option, you may borrow a higher loan amount according to the equity present in your home. This is a viable loan type for the homeowners, as they can put their home as collateral and then procure the loans. Secured loans entail lower interest rates and have longer repayment terms.

People whose credit history is less than perfect can also apply for such loans, if they fulfil the desired loan criteria of the lenders. A bad credit history could be anything like bankruptcies, arrears, defaults, County Court Judgements etc.

An unsecured loan can be used if you don’t want to keep your property as collateral. With this loan type, you will be getting a smaller loan amount with a shorter repayment term. One of the important benefits with this loan type is that the processing time of this loan is less, as the valuation of collateral doesn’t takes place. Apart from this, less paper work makes the entire loan process easy to procure. So, this loan type would best suit you.

There are several loan sites in the UK which offer a loan for buying a car. You need to apply for this loan type online and will be contacted by the private lenders with their loan quotes. Once you receive loan quotes, you can choose a viable loan deal for yourself.

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration as a finance specialist. For more information please visit:- Cheap car loans

As everyone knows, any computer that has been running for more than one month will contain registry errors, spyware and adware, especially if the user has regular internet access. This is when a windows registry cleaner comes in handy. If you search for a windows registry cleaner on a search engine, you are bound to be confronted by more than 10 different brands of windows registry cleaners. Each brand of windows registry cleaner will promise you that they have the “best” registry cleaner. How then should you choose a windows registry cleaner out of all these options?

In my technical experience, you should only buy a windows registry cleaner with the following three benefits. They are 1)ability to backup current registry and set a restore point before any change is made to the registry, 2)ability to provide your computer a free scan before purchasing, and 3)a Windows startup manager. I will explain the three benefits in greater detail.

The ability of a windows registry cleaner to backup your entire registry must be the most important feature any windows registry cleaner should have. By backing up your registry, you can rest assured that if any problems arise during the registry cleanup process, you will not lose your previous data in your windows registry. It is also true that many windows registry cleaners are not capable of fixing every type of windows registry errors, therefore it is always better to backup in case of emergencies.

The second benefit of a windows registry cleaner is that of a free scan. This involves the ability to download a version of the actual windows registry cleaner to scan your entire windows registry for any errors that the particular windows registry cleaner can fix. Often, the windows registry cleaners will find many errors on your registry, and almost all windows registry cleaners on the internet offer the free scan. Having the demo version of the windows registry cleaner will also enable you to understand better which functions that different buttons on the registry cleaner perform, enabling you to make a better buying decision.

The last benefit is control over how Windows should start up. This application allows you to control the different programs that should or should not run when windows is starting up. It allows you to prevent any slow applications that are causing startup problems from running, thus allowing you to start your computer, and then delete the problem program that is causing problems.

The three features above are what you should look for before deciding to buy any windows registry cleaner. Indeed there are many windows registry cleaners on the internet, and some perform much worse than others and yet retail at a similar price. Remember to read user reviews before buying one, and finally, keep the above 3 features in mind!

Kenneth Lim is a computer programming expert working in a software development company in Singapore. You can read more about his windows registry cleaner reviews at:

http://www.review-best.com/registrycleaner.htm

When you think of your shutters, the last thing that you are concerned about is the shutter hinges. Well this is a completely wrong approach. In most cases we do not even consider them since it is very rare that the shutters are used or moved and as long as the hinge works, we are happy. Well this should just not be the case. The shutter hinges that are available now are state of the art and much more visually appealing than their predecessors. In most cases we do not even realize what our shutter hinge will look like or what kind of condition that it may be in. However we do nee to look at this periodically and determine if they function and look at it from the point of a buyer and try to determine what they would see, like, or dislike in reference to your shutters and your hinges. Make sure that you inspect and check these hinges to make sure that they are working. At one point you too were the home buyer and you wanted to explore every inch of that home and what it brought to you.

Another item that we rarely look at in our homes and owe a lot more attention to is the window hardware. In many cases just like the shutter hinge, as long as the window will open and close and that the window locks we do not care very much about the window hardware. It is when something is actually wrong that we will finally go to take a look at it and realize that hey this could have been avoided if only we would have done some regular maintenance on them in the first place. If we do not do regular maintenance on the windows we may find ourselves doing some unwanted and unscheduled home improvement projects down the road. Simple oil and cleaning will work wonders to keep everything running smooth in most windows and costs little to no money to do so.

So by keeping up on regular tasks on these two items and by updating them as necessary you will be able to avoid a lot of headaches and problems for yourself down the road. Take into consideration all that needs to be done and how little time it will take to keep up on these things so you are not caught with a big surprise in the middle of the winter when you least expect it.

Kenneth Morris routinely publishes articles on themes associated to window hardware and home improvement. You can find his comments on shutter hinges over at http://www.shades-blinds-shutters-guide.com/shutter-hinges.html and many different sources for shutter hinges knowledge.

Ok, by now you know how your score is computed, how different factors are weighted, and what to look for on your credit report. Now let’s assume that you, like millions of others, have discovered information that is simply incorrect on your credit report. In this final installment we are going to cover how to dispute information properly and without the aid of a credit repair company.

The first thing that you need to know is that it is extremely rare that a consumer can contact the bureaus and successfully change or remove a derogatory piece of information or “ding” by themselves. That is to say, that for the most part the bureaus don’t care to hear your story about what really happened or why it happened. The bureaus are not concerned with the stories of hospital visits, or sick family or being stuck in a foreign country….all they care about is that the payment was, in fact, late or insufficient, etc. However, the bureaus WILL listen to their paying customers, the creditors themselves.

The easiest and fastest way to way to have “dings” removed is to get a letter from the creditor that reported the “ding”. This is sometimes referred to as the “Letter of Erroneous Reporting”. Basically, the letter says very specifically that whatever was reported on such and such date for account #…. was AN ERROR. It goes on to instruct the bureaus to update the information accordingly. Let me be very clear…the letter must be very specific about the late payment or past due or whatever. It is NOT sufficient for the letter to simply state that the past due amount has been paid and that the account is current and in good standing. This will not change the “ding” whatsoever! The letter MUST state that the original report of the late was WRONG and to fix it. Additionally, the letter must be on letterhead from the creditor itself and must be signed with the title and phone number included of the person who wrote it. The reason is that some cheaters got slick and would either create a fake letter that looked authentic or they would take a real letter and remove the actual ink and then type the new, fraudulent letter on top….so now all of the bureaus actually call the author of the letter to ensure that it is authentic.

If you are not so lucky as to have the credit company agree with you that it was their mistake and you are forced to try to dispute something on your own, you need to be organized and prepared. First, you will need to document all of the attempts that you have made to resolve the error with the credit company. You will need to create and maintain a “Call Log”. The reason is that if you have to take the issue all the way to the legal system, a well maintained and accurate call log can be admissible in court and rarely treated as hearsay as trying to recall the conversation would. Furthermore it adds credibility to your claims as you clearly are documenting everything as it happens. This means that when you get on a call with anyone from the credit company with whom you are trying to get resolution, you need to ask for their FULL NAME and Employee ID or Number. You will record that information along with the time and date of the call and take notes of what you said and what was said by them. The more exact or verbatim transcription, the better. Next, you will need to show that you escalated this to as high a manager as they would put you through to or give you access to. Next you need to complete a dispute form and create a cover letter that explains the timeline of the problem and why you are disputing this “ding”. Next you will attach any and all documentation that is relevant to your claim. Create a copy package of everything and then send the dispute packets to the bureaus or credit reporting agencies CERTIFIED MAIL. I do not recommend trying to do this via fax or regular mail.

Once your dispute is received by the bureaus, they will start the investigative process. They have thirty days to complete their investigation and send you a letter with the results. DO NOT send a second dispute form during the 30-days as this gives them an extension. Mark your calendar about 35 days after receipt of your certified letter, if you have not heard back by then you can contact the bureaus and ask why you have not received your reply within the time period defined by the Fair Credit Reporting Act.

So what do you do if this doesn’t work? Well, first you need to understand something: Did it not work because at the end of the day, the information IS accurate and you WERE late….but you hoped that somehow it might get erased? If so, there is nothing you can do. If, however you genuinely DID NOT do whatever it is the creditor said you did….then you can take it to the next level and for some that is filing a lawsuit. The Fair Credit Reporting Act (FCRA) does provide the consumer the right to file a lawsuit if all else has failed to correct the incorrect information. For this, you would want to only hire an attorney or firm that specializes in the FCRA. Keep something else in mind….how damaging is this information that you are trying to correct via lawsuit? How much will it positively affect your score and how much will you save as a result of financing with the new, higher score? You would need to save more than the lawsuit cost to bring in order for this to make any financial or even common sense.

Born in Montreal Canada, raised in New Jersey and a graduate of Rutgers University, Stefan Lubinski is a nationally known trainer, speaker and consultant in the residential mortgage industry.
Prior to becoming a Professional Speaker Stefan’s diverse professional background included: Restaurant Management, Executive Recruiting, Corporate Sales & Marketing and Residential Real Estate Finance.
His unique combination of humor, “hands-on” industry knowledge, and ability to make complex ideas simple to understand put him in a class of his own!
Stefan is a proud member of the National Association of Mortgage Brokers, the Association of Coaching and Consulting Professionals on the Web, and The National Speakers Association. He is also a certified Mortgage Planning Specialist.
Stefan lives with his wife Shelley and his son Carter (his four dogs and one horse) in Pleasanton, California. Although, most of the time, you will find him in the training rooms of some of the best companies across the country.

http://www.mortgagesalespro.com

Your webmaster (or more accurately, your web designer) is an important part of your web team. So it is more than worth your time and effort to build a strong relationship with him or her.

Here are five things you can do to keep the lines of communication open between you and your webmaster.

1.Be specific in your requests. He can’t read your mind. If you don’t tell him exactly what to do and how you want it to work, you’ll be disappointed. The first round of communication is dependent on you.

Specifics include colors you like (either by color code or an example from another site), graphic styles you prefer (based on a graphic you can point to), the way a page functions. Include URLs for the examples and don’t be shy about including more than required.

2.Keep an open channel. Use an email address you check frequently. Respond to her questions quickly. She’s “into” your project now. If she has to wait 3-4 days to get answers, she’ll have to start working on someone else’s project in the meantime. Then it takes her longer to get back to your project. The poor workflow slows everyone down.

As an alternative to an email address, consider an Instant Messenger account. Depending on the times of day that you and your web designer are working - and whether you’re both awake at the same time - email may be more efficient.

My web designer and I are 12 hours apart, so he’s awake when I’m asleep, and vice versa. However, when we’re working on a quick turnaround project, I’ll stay up later so we can exchange emails about the project more frequently. And when I’m turning in for the night, I always send a message to that effect so he won’t be expecting a quick response.

3.Keep an open mind. No one is perfect. Your webmaster should feel free to ask you questions, even if it might appear that he knows less than you thought. That’s not generally the case; instead, he’s asking for clarification. Or information.

It’s not unusual for my webmaster to email me to ask if I know of a resource that does “xyz.” Or he’ll tell me he’s not the person to do that task; that I need to look for someone who can do “abc.” That feeling of “you’re okay, even if you don’t know everything” is very important to open communication.

4.Say thank you. Just a short thank you in response to exceptionally fast turnaround or a great job or a surprisingly wonderful job goes a long way.

And if you’re willing to share, refer others to your web designer. She’ll appreciate the additional business and will be extra careful to give you continued great service in exchange for more referrals.

5.Pay promptly. When you first work with a web designer, they may ask for payment up front or immediately after finishing the job. Don’t wait two weeks to pay them. They need their money now. They should provide you with a link for payment, so use it quickly.

When you follow these guidelines, you’ll find that your work gets done faster and with greater efficiency. Because you are saving your web designer time and trouble, your work will be something she looks forward to receiving, rather than dreading. And you’ll both save time - and most importantly, you’ll save money as a result!

Dr. Jeanette Cates is an Internet strategist who works with experts who are ready to leverage their expertise into Online Success. She shares more tips about working with you web designer in http://www.TalkToYourWebmaster.com

As we discussed earlier, the government mandates that you have the right to receive one copy of your credit report per year at no cost. You can get that report at http://www.annualcreditreport.com or by calling 877-322-8228. You also can request a copy any time that you have been denied for an application for credit. No matter how you get a copy, you should review your complete report at least once a year to ensure accuracy.

The fastest way to improve your score is to identify information that is incorrect or inaccurate. Here is how I recommend that you review your credit report:

Check your identifying information
Is your name spelled correctly?
What about Jr. or Sr.? Is it there? Should it be?

Check your Social Security Number
Check your birthdates
Check the addresses - are there anywhere you never lived?
Review all of your accounts
Make sure that all of your credit accounts are listed
Are there any that don’t belong to you?
Look at the Credit Limit - Is it current? Does it match your statements?
Check the balances - are they accurate?
Review all of delinquencies - are they all accurate?
Any collections that are over 7 years old? (If so they can be removed)
Look for any other inaccuracies like accounts that should have been wiped out from a bankruptcy
Public Records/Judgments/Liens
Review any information about bankruptcy, tax liens or judgments to ensure that all of the information listed is updated and accurately reflects the current situation
Make sure that there are no duplications
After you have carefully reviewed your credit report and identified any inaccuracies you are ready to dispute those inaccuracies and begin to repair your own credit…at NO COST!

Born in Montreal Canada, raised in New Jersey and a graduate of Rutgers University, Stefan Lubinski is a nationally known trainer, speaker and consultant in the residential mortgage industry.
Prior to becoming a Professional Speaker Stefan’s diverse professional background included: Restaurant Management, Executive Recruiting, Corporate Sales & Marketing and Residential Real Estate Finance.

His unique combination of humor, “hands-on” industry knowledge, and ability to make complex ideas simple to understand put him in a class of his own!

Stefan is a proud member of the National Association of Mortgage Brokers, the Association of Coaching and Consulting Professionals on the Web, and The National Speakers Association. He is also a certified Mortgage Planning Specialist.

Stefan lives with his wife Shelley and his son Carter (his four dogs and one horse) in Pleasanton, California. Although, most of the time, you will find him in the training rooms of some of the best companies across the country.

http://www.mortgagesalespro.com