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EXPAND YOUR SKILLS, GAIN INSIGHT, AND GET INSPIRED WITH THESE TOP PICKS. GOOD READS The Two Word Miracle: Clients First By Joseph Callaway and JoAnn Callaway put into practice that changed the life of two Phoenix-area Realtors. New to the profession and struggling financially, Joseph and JoAnn Callaway managed to sell $1 billion in real estate over a 10-year period. Not only was this an unprecedented feat considering the short time they achieved it, but the period of success also overlapped with the real estate bubble. Unlike other agents who flood It was a simple, two-word motto the market, the Callaways didn't have billboards covered with their smiling faces nor did they ask for referrals. People simply came. One day at a speaking engagement, a woman in a blue suit approached JoAnn and asked for the secret of her success. When JoAnn explained how she takes care of her clients, she discovered the fellow agent didn't get it. This realization triggered their quest to explain the two-word miracle—"clients first." For those interested in being among the first to read their personal story of success, the Callaways will pre-sell their book at the Five Star Conference September 5-7. Clients First is scheduled for release in mid- October. The Subprime Solution: How Today' Crisis Happened, and What to Do About It s Global Financial By Robert J. Shiller From the Yale economist who Capitaol: Buying Our Democracy with Stolen Money predicted the subprime crisis, comes The Subprime Solution, explaining its occurrence and how to address the devastation it brought. Robert Shiller shows readers how the bubble formed out of easy access to credit and overconfidence in the idea that prices would never fall, only to burst and leave behind mounting foreclosures, underwater mortgages, and a global credit crisis. Not only does Shiller explain By Harry Brokass Motivated by the issue of negative equity plaguing the housing industry, Harry Brokass turns his anger into laughter on the pages of Capitaol: Buying Our Democracy with Stolen Money. His book is a satirical depiction of Wall Street, the "Super Congress World," and the common person's fight against corruption. Brokass is not only the author how we got into this mess, but he also traces a path for finding our way out and preventing a future bubble. Shiller is a well-known advocate of the controversial eminent domain proposal, which allows governments to seize underwater mortgages as a means of combating negative equity; and in his book, he argues government support to aid struggling, underwater homeowners is the temporary trigger needed to spark the return to a healthy market. For the long-term, Shiller proposes a redesign of the financial system that strays from government support and looks to innovation from the private sector instead. Shiller calls for steps to "democratize finance" and make financial data currently privy only to insiders available to the masses. 26 Dump Your Debt: So Your Income Goes in the Bank and Not to the Bank By Ken Gross A 30-year business attorney and of the book, but he's also the lead fictional character. In Capitaol, Brokass is a political leader in Congress fighting for the common man, but he finds himself caught in his own personal struggle as he attempts to get a home loan modification for his underwater mortgage and cosmetic surgery. While the story is fictional, it was real-life circumstance that motivated Brokass to write the book. The author is also an accountant, who played by the rules when he took out his mortgage but wound up with a home valued at half of what he owes. Brokass, unfortunately, shares an issue millions of homeowners in this country now face. According to CoreLogic, as of the second quarter of 2012, 11.4 million mortgages were underwater. host of the Financial Crisis Talk Show, Ken Gross wrote Dump Your Debt to give hope to those who face mounting debt but need to start saving for their future. "The rules of the game have changed," according to Gross. "You can't just pay your debts and take the hit on your property values when the banking industry gets bailed out at taxpayer expense. You need to preserve your future income for you and your family." Dump Your Debt teaches readers how to get a short sale approved, resolve tax problems, and settle credit card debt and secondary liens at discounts of up to 90 percent. Gross created what is known as the Financial Crisis Management concept, a legal discipline that involves a comprehensive analysis of alternate debt relief strategies and their tax consequences for the ideal financial strategy. On his radio show, Gross offers listeners creative solutions to these difficult financial problems. And now his book directs readers to take up the tools for financial crisis management and provides guidance on applying them. Ten percent of all proceeds from Gross' book sales go toward providing legal assistance to those facing financial issues.

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