>	How Legislation Recast the Mortgage Industry Fewer players, more demand -- such is the potential new world created via government intervention by Peter Harvey, founder and CEO, Intellidyn Corp. 12/2008
>	Special Report: Local Markets by Jennifer E. Garrett, Jennifer Landree, Darrick Meneken, Tony Stasiek and Ivanna C. Sukkar 12/2008
>	From the Editor by Tony Stasiek, editor 12/2008
>	Q&A: Nicolas P. Retsinas Director, Joint Center for Housing Studies at Harvard University by Ivanna C. Sukkar 12/2008
>	Spotlight: Honolulu by Ivanna C. Sukkar 12/2008
>	Helping Hands Each month, Helping Hands features a mortgage professional or group that has volunteered to lend a hand to others in need by Ivanna C. Sukkar 12/2008
>	Getting Personal First-person accounts from mortgage professionals by Bruce A. Rosenblat, president, North Star Home Lending 12/2008
>	Tip of the Month Market like crazy by Joy Gendusa, PostcardMania 12/2008
>	Sell Property, Lose Credit? Short sales can hurt now, but they may help down the road by Edward Jamison, founder, CreditCRM.com 12/2008
>	How to React When Disasters Come Knocking Now is the time to prepare for how storms, fires and other calamities can uproot your ability to close by Marc A. Cisneros Jr., CEO and co-owner, CS Innovative Insurance Solutions 12/2008
>	Secure Your Clients' Data Failure to protect electronic information may yield business and legal risks by Jennifer Jackson Spencer, founding shareholder of Spencer Crain pllc 12/2008
>	FHA Changes: 9 Need-to-Knows Understand the Housing and Economic Recovery Act’s Federal Housing Administration guidelines by Jeff Mifsud, founder, Mortgage Seminars LLC 12/2008
>	4 Keys to Integrating Tech Tools If all of your applications are part of one system, productivity could increase by Jeff Solomon, CEO, Leads360 12/2008
>	How We Got from There to Here Greed, fear and indifference all played roles in bringing the mortgage market to its current state by Gregory J. Martin, executive vice president of corporate development, Lender Support Systems Inc. 12/2008
>	Credit Repair: 5 Mistakes Learn how to avoid pitfalls with companies designed to boost credit scores by Daryl Spector, founder, Credit Power 911 12/2008
>	Restoring Faith to Rebuild the Industry To earn consumer confidence, legislation and mortgage-industry professionals should promote education by Tom Heath, owner, Rio Nuevo Financial LLC 12/2008
>	Education Enhances Productivity For success and survival, it is critical for brokers to receive proper training by Shelley Barth, senior vice president of professional services, MortgageFlex Systems Inc. 12/2008
>	Make More Money with Scored Leads Brokers may profit from working with lead-providers that score their results by Joey Liner, co-founder and vice president of sales, DoublePositive Marketing Group 12/2008
>	Make New Clients and Keep the Old Follow four tips to generate client leads and build on past ones by Shawn Von Talge, president and co-owner, Professional Mortgage Group Inc. 12/2008
>	6 Ways to Reach Your Career Goals Even during downtimes, principles such as integrity and persistence hold value by Brad Cooper, managing owner, Cooper Financial Solutions 12/2008
>	Promote Your Track Record To earn business and build your reputation, follow six steps by Michelle LaBrosse, founder, Cheetah Learning 12/2008
>	Pick Yourself Up: 4 Tips Contrary to popular opinion, it might not really be the end of the world by Dan Sullivan, vice president of sales and managing director, Velma.com 12/2008
>	3 Steps for Communicating Effectively Knowing personality types and body language leads to successful conversations by Robert Nolan, president and CEO, IvyStone Consulting Group 12/2008
>	Sharing Risk Could Save the Economy Consider a four-point plan for getting our industry and economy back on track by John Shaw 12/2008