>	Marketing Smarter with Web Tools Online social media offer a path to free leads and increased business by Bill Rice, founder and CEO, Kaleidico.com 8/2009
>	From the Editor by Tony Stasiek, editor 8/2009
>	Spotlight: Sacramento, Calif. by Darrick Meneken 8/2009
>	Q&A: Jim Pair President, National Association of Mortgage Brokers by Ivanna C. Sukkar 8/2009
>	Tip of the Month Don't forgo networking by Mark Wallace, Environmental Data Resources 8/2008
>	Why Fighting the HVCC Matters Brokers likely know how they're cut from the appraisal process -- but what of AMCs' role? by By J. Daniel Neumann, president, J. Daniel Neumann Appraisals Inc. 8/2009
>	Red Flags Rule: A 3-Hour Cure To prepare for the new identity-theft rule, ensure your policy is in shape by Brad Kelso, vice president and director of marketing and product development, Informative Research 8/2009
>	Catching Up with New Licensing Rules Brokers must know what the S.A.F.E. Act requires and comply -- possibly, by Aug. 1 by George H. Marentis, president and CEO, Compliance Made Simple LLC 8/2009
>	How to Avoid Due-Diligence Drama: 7 Steps It's wise to study any firm you consider hiring to improve loan quality by David L. Hippensteel, council member, Gerson Lehrman Group Councils 8/2009
>	Your Profit Prospects in a Distressed Market Opportunity abounds for brokers willing to build expertise and find investor clients by Tom Duncan, CEO, D&P Investment Group Inc. 8/2009
>	New Law Could Bring New Fraud Focus More funding, oversight in fraud cases means brokers should step up verification efforts by Richard Smith, retail manager, American Acceptance Mortgage Inc. 8/2009
>	Exploring Branch Opportunities Considering industry changes, some independent brokers may find value in branch partnerships by Joe Ramis, branch-recruitment director, Inlanta Mortgage 8/2009
>	The Weight of the Web Having an online presence isn't enough -- customers and closings must follow by Jerry Rouleau, owner, J. Rouleau & Associates LLC 8/2009
>	3 Areas to Improve Your Communication Learning how to leverage reading, writing and public speaking often will boost your marketing by Gary Opper, president, Approved Financial Corp. 8/2009
>	Tips for Effective Leadership Devoted brokers can emerge from a tense market with increased influence and authority by Mitch Harmann, chief information officer and vice president of operations, Liberty Banc Mortgage 8/2009
>	Build Your Referral Network -- for Free Business-networking groups can allow brokers to develop their client base at no cost by Pete Castillejos, senior loan officer, 808 Home Mortgage Inc. 8/2009
>	Tricks of the Traits for Lending Success Personality and behavior characteristics often distinguish the best brokers from the rest by Robert Nolan, president and CEO, IvyStone Consulting Group 8/2009
>	The Key to Marketing: Product Knowledge Diversifying? Starting anew? Knowing how to sell starts with knowing what you're selling by David K. Lal, president, National Real Estate Council 8/2009
>	Preparing for Business on Your Own Planning for self-employment can help brokers take plunge or cope with possible job loss by Michelle LaBrosse, founder, Cheetah Learning LLC 8/2009
>	How to Enhance Your Circle of Influence Online networking could generate more leads from people you already know by Ryan Minick, mortgage adviser, First Republic Mortgage Corp. 8/2009