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Consumer Buying Tips
There are tons of advice on how to sell products or services, but it's actually hard to find good advices for customers on how to choose and buy those things! Here...a few general tips and tricks to help you become a super skilled buyer, learn to choose the best options and, of course, save good money in the process. It's impressive to see how a little bit more of patience and a decent previous product-prices research can so greatly improve the quality of our decisions and what we finally get from the purchase processes.

Non-emotional or non-impulsive purchases provide also extra time and better conditions to negociate with the suppliers. Never forget! The art of negociation is not only in search of a lower price. You can always negociate other extra benefits. All companies would love to close the deal with you and will do their best to make you happy...if you ask for it.  Right before close the deal...that's the moment where you have all the power!


By making an informed purchasing process consumers can save good money, avoid getting cheated and obtain the best quality for the budget available, among other benefits. We must take more seriously our role and our rights as customers. Companies might have the products... but we have the money and the power to decide how to spend it!

Buy smart. Buy informed. Buy Better.

1.    Do Research of the product, its specifications, model, sizes, etc

- For non-urgent purchases, always do a preliminary research. It's the only way to buy the product you want, with the service and the warranty you deserve and of course paying the fairest price for it.

- Check out the product specifications and compare with alternatives brands or models.

- Find out if there are any complaints against the company or the product on the web, magazines or newspapers and use that information to determine if you are confident enough to purchase their product.

- Before you make your final purchase, make sure a written copy of the warranty is included within the box.

- Ask permission to open the box or packing prior to purchasing and then take the time to make sure is all ok with the product and the warranty.


2.    Buying Online

- If you already did a good research, you are ready to go finding the right shop. With specifications very clear go check several sites, compare prices, seller conditions, include transport or not, origin of each option, etc.

- Once you find a good deal, check the rankings and comments for that seller and also Google the credentials of the company and product before buy.

- If you are purchasing medications that normally requires a prescription and you are never asked for it,  consider trying a different online pharmacy. Could be fake medicines or products in bad condition.

- If you are not given a satisfactory service or answer soon, the best you can do is find a different retailer.

- Never give personal information such as your credit card or social security number to any online retailer. Always try to use Paypal or a similar option, specially with companies or sellers you don't know.


3.    Consider Used Items

- Rather than spending money on a brand new item, consider purchasing a used item from a local seller, a friend or from your friend's friend.

- Manufacturers also offer refurbished products directly to consumers. Refurbished products have been repaired by the manufacturer, and in most cases, will include a product warranty on the item as well.

- Refurbisheds or second hand products could inicially looks like great deals, but once in a while the experience end in a total dissaster. Especially on used items, you need to ask absolutly everything about everything and only buy if you are sure it's all in order, the product complete and working perfect, the instructions are attached and in a language you can read and... specially make sure that ALL the accesories are included.


4.    Negociate

- If you are dealing with a person, set the stage: Express some doubts and objections and make him be in charge of closing the deal. Ask for other  'things to convince you' and hear the offers. If nothing call your attention, make the seller know what 'could maybe convince you'.

- You negociate not only in search of a lower price, but also trying to receive other benefits. Could be an extended warranty, a free instalation service, a complementary product or accesory, better credit conditions, an extra night in the hotel, etc.

-If you see that price reduction is totally blocked or the discount offered is not relevant, then reject the discount and offer to change it for other kind of consumer benefit of your interest.


Author: Arnold Anderson. Article courtesy of E-How.

14 Top Tips for first-time home buyers
The challenge of buying for the first time can seem so daunting that it's tempting to either just go with the first house that falls in your price range or continue to rent. To help you demystify the process and get the most out of the purchase, we'll examine...

Top Tips For First-Time Home Buyers

The challenge of buying a home for the first time can seem so daunting that it's tempting to either just go with the first house that falls in your price range or continue to rent. To help you demystify the process and get the most out of the purchase, we'll examine what you'll need to consider before you buy, what you can expect from the buying process itself, and some handy tips to make life easier after you purchase your first home.

Considerations before you buy:

The first thing you'll need to determine is what your long-term goals are and then how home ownership fits in with those plans. It could be that you're simply looking to transform all those "wasted" rent payments into mortgage payments that actually give you something tangible. Others see home ownership as a sign of their independence and enjoy the idea of being their own landlord. Narrowing down your big-picture homeownership goals will point you in the right direction. Here are five questions to ask yourself:
  1. What type of home best suits your needs? You have several options when purchasing a residential property: a traditional single-family home, a townhouse, a condo, or a multi-family building with two to four units. Each option has its pros and cons, depending on your homeownership goals, so you need to decide which type of property will help you reach those goals. You can also save on the purchase price in any category by choosing a fixer-upper, although the amount of time, sweat equity and money involved to turn a fixer-upper into your dream home might be much more than you bargained for.

  2. What specific features will your ideal home have?
    While it's good to retain some flexibility in this list, you're making perhaps the biggest purchase of your life, and you deserve to have that purchase fit both your needs and wants as closely as possible. Your list should include basic desires, like neighborhood and size, all the way down to smaller details like bathroom layout and a kitchen that comes with trust-worthy appliances.

  3. How much mortgage do you qualify for?
    Before you start shopping, it's important to get an idea of how much a lender will actually be willing to give you to purchase your first home. You may think you can afford a $300,000 home, but lenders may think you're only good for $200,000 depending on factors like how much other debt you have, your monthly income and how long you've been at your current job. (For an introduction to the terminology and structure of a mortgage, read our tutorial Mortgage Basics.)

  4. How much home can you actually afford?
    On the other hand, sometimes a bank will give you a loan for more house than you really want to pay for. Just like with the purchase of a new car, you'll want to look at the house's total cost, not just the monthly payment. Of course, looking at the monthly payment is also important, along with how much down payment you can afford, how high the property taxes are in your chosen neighborhood, how much insurance will cost, how much you anticipate spending to maintain or improve the house, and how much your closing costs will be. (For help deciding what mortgage type is best for you, read Shopping For A Mortgage and Make A Risk-Based Mortgage Decision.)

  5. Who will help you find a home and guide you through the purchase?
    A real estate agent will help you locate homes that meet your needs and are in your price range, then meet with you to view those homes. Once you've chosen a home to buy, these professionals can assist you in negotiating the entire purchase process, including making an offer, getting a loan, and completing paperwork. A good real estate agent's expertise can protect you from any pitfalls you might encounter during the process. (Keep reading about this in Finding A Listing Agent and The Benefits Of Using A Real Estate Attorney.)

The Buying Process

Now that you've decided to take the plunge, let's explore what you can expect from the home buying process itself. This is a chaotic time with offers and counter-offers flying furiously, but if you are prepared for the hassle (and the paperwork), you can get through the process with your sanity more-or-less intact. Here is the basic progression you can expect:
  1. Find a home.
    Make sure to take advantage of all the available options for finding homes on the market, including using your real estate agent, searching for listings online and driving around the neighborhoods that interest you in search of for-sale signs. Also put some feelers out there with your friends, family and business contacts. You never know where a good reference or lead on a home might come from.

  2. Consider your financing options and secure financing.
    First-time homebuyers have a wide variety of options to help them get into a home, including federally-backed loans and loans for homebuyers who don't have the standard 20% minimum down payment. Your state may also have its own programs for first-time homebuyers. Your mortgage interest rate will also have a major impact on the total price you pay for your home, so shop around. It will really pay off. (To learn more, read Understanding The Mortgage Payment Structure.)

  3. Make an offer.
    Your real estate agent will help you decide how much money you want to offer for the house along with any conditions you want to ask for, like having the buyer pay for your closing costs. Your agent will then present the offer to the seller's agent; the seller will either accept your offer or issue a counter-offer. You can then accept, or continue to go back and forth until you either reach a deal or decide to call it quits. If you reach an agreement, you'll make a good-faith deposit and the process then transitions into escrow. Escrow is a short period of time (often about 30 days) where the seller takes the house off the market with the contractual expectation that you will buy the house - provided you don't find any serious problems with it when you inspect it. (For more on the escrow process, read 10 Hurdles To Closing On A New Home.)

  4. Obtain a home inspection.
    Even if the home you plan to purchase appears to be flawless, there's no substitute for having a trained professional inspect the property for the quality, safety and overall condition of your potential new home. If the home inspection reveals serious defects that the seller did not disclose, you'll generally be able to rescind your offer and get your deposit back. Negotiating to have the seller make the repairs or discount the selling price are other options if you find yourself in this situation. (For tips on coming out ahead in any negotiation, read Getting What You Want.)

  5. Close or move on.
    If you're able to work out a deal with the seller, or better yet, if the inspection didn't reveal any significant problems, you should be ready to close. Closing basically involves signing a ton of paperwork in a very short time period, while praying that nothing falls through at the last minute.

    Things you'll be dealing with and paying for in the final stages of your purchase may include having the home appraised (mortgage companies require this to protect their interest in the house), doing a title search to make sure that no one other than the seller has a claim to the property, obtaining private mortgage insurance or a piggyback loan if your down payment is less than 20%, and completing mortgage paperwork. (For more on the pitfalls of private mortgage insurance, check out Six Reasons To Avoid Private Mortgage Insurance)

Congratulations New Homeowner ... Now What?

You've signed the papers, paid the movers and the new place is starting to feel like home. Game over right? Not quite. Let's now examine some final tips to make life as a new homeowner more fun and secure.
  1. Keep saving.
    With homeownership comes major unexpected expenses, like replacing the roof or getting a new water heater. Start an emergency fund for your home so that you won't be caught off-guard when these costs inevitably arise. (To make saving for your emergency fund a breeze, read Build Yourself An Emergency Fund.)

  2. Perform regular maintenance.
    With the large amount of money you're putting into your home, you'll want to make sure to take excellent care of it. Regular maintenance can decrease your repair costs by allowing problems to be fixed when they are small and manageable.

  3. Ignore the housing market.
    It doesn't matter what your home is worth at any given moment except the moment when you sell it. Being able to choose when you sell your home, rather than being forced to sell it due to job relocation or financial distress, will be the biggest determinant of whether you will see a solid profit from your investment.

  4. Don't rely on making a killing on your home to fund your retirement.
    Even though you own a home, you should still continue to save the maximum in your retirement savings accounts each and every year. Although it may seem hard to believe for anyone who has observed the fortunes some people made during the housing bubble, you won't necessarily make a killing when you sell your house. If you want to look at your home as a source of wealth in retirement, consider that once you've paid off your mortgage, the money that you were spending on monthly payments can be used to fund some of your living and medical expenses in retirement. (To learn how to get the most for your house when it is time to sell, check out Fix It And Flip It: The Value Of Remodeling.)


This brief overview should help put you on the path towards filling in any gaps in your home-buying knowledge. Remember that the more you educate yourself about the process beforehand, the less stressful it will be, and the more likely you will be to get the house you want for a price you can afford - and with a smile on your face.

Article courtesy of

Purchase and Sale Agreements in Costa Rica...explained simple.
When acquiring land in Costa Rica, a document memorializing the agreement must be signed by both the buyer and seller. Typically, this document is known as ...

When acquiring land in Costa Rica, a document memorializing the agreement must be signed by both the buyer and seller. Typically, this document is known as a Purchase and Sale Agreement but sometimes it is called an Option Contract. The document should set out in detail the relative rights and obligations of the parties and any conditions required to be completed prior to the closing of the bargain. In Costa Rica, most buyers and sellers use corporate entitles to hold title and convey land.

Parties to an agreement should always consult an attorney to insure that the strictest standards are adhered to in order to protect their investments. Many contracts prepared by non attorneys are lacking the essential elements required by Costa Rican law to be enforceable. Some of the essential elements include: the full legal names of the parties or their corporate counterparts, the price (including escrow funds and incremental payment schedules, if any), the closing date, default provisions, designation of the Registered Escrow Agent and Conciliation or Arbitration Agreements. Other specifications that are unique to the particular transaction should likewise be documented in the Purchase and Sale Agreement.

Sometimes, when a transaction is based on “pre-construction prices”, care should be given by a purchaser to have the agreement reviewed by a competent attorney prior to signing. These types of sales carry the additional risk of the project not being completed on time or at all. Customized default/delay provisions are needed to protect the buyer. Further, Costa Rica, like other countries that adhere to the rule of law, requires permits for water, electricity, construction and other usual governmental regulatory requirements concerning the environment.

As our local Realtors are ethical and honest, they too believe that real estate transactions should be reviewed by attorneys to make sure that all the proper, relevant and necessary provisions are included to protect all parties. Title insurance is recommended. The title to the real estate should always be recorded in the Costa Rican National Registry by a licensed Public Notary.

Costa Ricans are sincere in their efforts to preserve the pristine beauty and the unique quality of life enjoyed by all who come to this wonderful land.

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