{"title":"Mark Kovach","description":null,"products":[{"product_id":"home-buying-and-financing-101-book-mark-kovach-9780692180624","title":"Home Buying and Financing 101","description":"This Home Buying \u0026amp; Financing 101 Second Edition book is probably the most comprehensive and informative book on the market and written in language that anyone can understand. This book covers everything from the Loan Processing process to discussing Cost and Rates to explaining the Parts of Loans and Loan Comparisons. In addition, this book points out the Dangerous Loans to avoid in the market place and breaks down Margins\/Spreads, as well as, what Indexes to avoid, what Life Caps to avoid, and how to avoid Dangerous Start Rates concerning adjustable loans. This book also covers Reverse Mortgages and shows people how to intelligently buy a home. The book also has a Bonus section on how to establish one's credit and how to expand their credit along with a chapter on how to deal with business and corporate expansion loans and a lot more.Nevertheless, if the author had to do it all over again, he would have made this book mandatory reading for every Real Estate Agent and all Loan Officers in the private sector, as well as, the banking industry. Anyone thinking about buying a home for the first time or thinking about buying another home or additional homes will benefit greatly by knowing this information that will put them on an equal level or above any Real Estate Agents or Real Estate Loan Officers so that they will not be misled in their real estate transaction. The book also covers Steering which is against the law in real estate and how to deal with this situation should it happen to you, the consumer. Likewise, we also point out to the people in real estate, as well as, government agencies in authority, who people can contact who are more than capable of handling any unethical or misleading events that could happen to people simply because they are not aware of the real estate and mortgage rules and regulations. Likewise, should anyone be interested in becoming a Real Estate Mortgage Loan Officer, this book will give you the knowledge and advantage over anyone else who is thinking about changing careers into this prestigious field. Not only was Mr. Kovach a multi-million dollar Loan Officer for years, he also developed a Professional Loan Officers Training Manual that was used in his Professional Loan Officer Training Center where he trained over three-quarters of Orange County, CA brokers and loan officers before retiring.","brand":"WoB","offers":[{"title":"US \/ NEW \/ INGRAM","offer_id":51005794517265,"sku":"NIN9780692180624","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0692180621.jpg?v=1751136552"},{"product_id":"what-people-should-know-to-have-a-safe-and-successful-retirement-book-mark-kovach-9780578826165","title":"What People Should Know to Have a Safe and Successful Retirement","description":"\u003cp\u003eThe majority of people today are concerned and worried that their dream of retirement went south with the pandemic and the economic crisis that began in the year 2020 in America. Therefore, if you are among the many Americans that are struggling with how to leave the work force, and never return, this new book entitled \u003cb\u003e\u003ci\u003eWhat People Should Should Know To Have a Safe and Successful Retirement\u003c\/i\u003e\u003c\/b\u003e has been written based on our extensive retirement experience over the years and the ups and downs that we had to overcome in order to remain in retirement. This book is focused on particular items and situations that are to anyone thinking about their retirement years in advance, close to retirement, or who have reach the retirement age of 62 or beyond.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eAfter reading this book and eliminating the mysteries of retirement, this information will allow people to completely retire who may not be sure of what to do in retirement or for the rest of their retirement years without ever having the fear of running out of money in thirty or forty years. As an example, when we asked several people over the years what they mean when they state one should live within their means, we usually received one or two generalities as opposed to specific information. Nevertheless, we decided to give the readers specific information on how to reduce their costs in several different categories, including on how to enter retirement as debt free as possible.\u003c\/p\u003e\u003cp\u003e\u003cbr\u003eWe have also included many other subjects that will keep you healthy and safe to make one's retirement successful including a chapter on how people can control their own endocannabinol homeostasis system that everyone maintains. When this system is maintained, anyone can control their system, especially the seniors.\u003c\/p\u003e","brand":"WoB","offers":[{"title":"- \/ - \/ -","offer_id":51080954806545,"sku":"","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ NEW \/ INGRAM","offer_id":51080955232529,"sku":"NIN9780578826165","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/057882616X.jpg?v=1786113618"},{"product_id":"how-to-establish-your-credit-book-mark-kovach-9780578536811","title":"How To Establish Your Credit","description":"This How to Establish Your Credit book will offer people some helpful suggestions and scenarios that we talk about in the banking industry, along with my real estate banking experience with inputs that will assist the reader to become familiar and to get a better understanding of how to establish or expand their banking credit. Over the years we have noticed that most bank customers do not know the proper people in the banks or how to use the banks to their advantage. Our hope is that this book will assist people in establishing and expanding their credit needs with a better understanding of what bankers are looking for in establishing your personal basic and advanced credit needs. We also cover and discuss the requirements needed for business credit and credit expansion. We have also included in another section in this book a scenario on How to Negotiate on Anything that people can use for the rest of their lives that will save them thousands of dollars when they are buying or selling anything.","brand":"WoB","offers":[{"title":"US \/ NEW \/ INGRAM","offer_id":53324991562001,"sku":"NIN9780578536811","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/9780578536811.jpg?v=1786120866"},{"product_id":"making-parenting-simple-book-mark-kovach-9780692180631","title":"Making Parenting Simple","description":"This is not your everyday parenting book and it is not written from a clinical point of view, but rather written from the perspective of a Father's point of view that was completely different from the way he was raised and abused by his parents and other people. The concept of making parenting simple is all laid out in this book along with all the downfalls that parents may encounter while raising their child or children. In addition, this book points out solutions that a parent or parents can use in order to resolve any problems that they may encounter raising one or more children. The basic concept of making parenting simple is to train your child while they are developing in the womb or as soon after birth up until the age of 5 or 6 that are the most critical years of a child's life. This parenting book includes a chapter on how parents can teach their child or children in understanding and accepting responsibilities and a section on what a parent or parents are to their child or children. Includes chapters on how to protect your child or children, especially, girls under the age of 21 and a whole lot more of relevant parental information concerning older kids and how to keep them out of trouble or becoming a nightmare for their parent or parents. This parenting book is nothing like any parenting book ever written before now.","brand":"WoB","offers":[{"title":"US \/ NEW \/ INGRAM","offer_id":53490124882193,"sku":"NIN9780692180631","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/9780692180631.jpg?v=1786114325"}],"url":"https:\/\/www.worldofbooks.com\/en-gb\/collections\/author-books-by-mark-kovach.oembed","provider":"World of Books ","version":"1.0","type":"link"}