Where to buy Real Estate in Costa Rica

By Randy Berg

Where to buy real estate in Costa Rica may be a difficult question for many to answer. This country has some amazing places for investors to buy property. Since Costa Rica is situated in the tropical region, it has a wonderful climate throughout the year. There are 3 mountain ranges that divide this small country and hence create multiple habitats and micro climates.

This country has two predominant seasons. One is the called Verano in Spanish which means summer. This season extends from November to May. The other season is called Invierno in Spanish which means winter. This season extends from May to November. Rainfall increases significantly in this season. In this article, we list out the best places in Costa Rica to buy real estate.

Spot 1: A small, offbeat village on the beach side called Santa Teresa is one among the top favorites for investors. Most of the people who own beach front properties in this area are among the elite in society who come from various parts of the world. This fact makes Santa Teresa a multi cultural community. The lovely white sand beaches of Santa Teresa are famous among surfers too.

Option 2: Malpais is small village close to Santa Teresa. This place is also considered as surfers paradise. The waves are strong here and hence suited for surfing. This place has a tranquil atmosphere with nature relatively untouched. This place also has some eccentric volcanic formations which create breathtakingly beautiful scenery. If you are looking at investing in beach front homes which offer you privacy and peaceful living, then, Malpais comes highly recommended.

Pick 3 " Playa Hermosa: Playa Hermosa is located north of Santa Teresa. The beaches of this place are broad and long and also suited for surfing. Very few beach front homes are available in this part of the country and most of them are owner by gringos who dont wish to sell it to anybody.

Spot 4: Playa Hermosa is followed by Montezuma which occupies the fourth position. This is another village where people have a laidback lifestyle. Though initially occupied by the ticos (locals), this place is gradually gaining prominence among the gringos. The beaches of Montezuma which are filled with white shimmering sand are considered to be the safest in the world.

Pick 5 " Tambor: Nobody will shy away from the opportunity of investing in this beautiful town since it is famous for multiple reasons. The beaches of this place are well suited for diving, swimming and snorkeling since they are well protected from ocean swells. Also, a large number of whales populate the beaches of Tambor when they come here every year to mate and give birth. Hence, Tambor is also called Whale Bay.

Option 6: Cabuya is a small town close to Montezuma. This place too has lovely beaches suitable for surfing. This place also has some lovely waterfalls and tall, huge trees which dot the landscape. Cabuya has a large tico community. This place is becoming famous amongst the gringos too since it has quiet surrounding filled with surreal natural beauty. - 23221

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Forex Product Reviews

By Vencapllc

If your looking to trade with forex products forecasttrader is where you want to start. Here at the forexreviewsite.com we feel that the forecast trader will be a beginner trader in a position to beat the market and make MORE MONEY. Isn't that really what we are looking for when we buy software to hedge our exposure in the currency trading world? theforewreviewsite.com gives this product 5 out 5 stars because of its overall value and its ability to be a one stop shop for forex trading. Theforexreviewsite.com likes the forecasttrader.com because you can tarde and get the market info you need, what else could you want? Come to theforexreviewsite.com to find the information you need to get the right forex products.

The site covers 10 major forex pairs and 3 crosses and proudly boasts of its live trading results " a wide leap ahead of the backtestings we commonly come across other sites. What you see is definitely what you will get. Clickbank handles the sites payments " assuring subscribers safe and guaranteed handling of their transactions. Site encryption features also assure the customers that their personal details are kept away from unwanted human eyes and identity-stealing programs

There is a comprehensive FAQs section where we took notice that forecasts are posted on Fridays/Saturdays " just enough time for us to prepare for the following weeks forex trading activities. Whats the price to try out this great service? Only $4.95 for a 7-day trial period and that, we say, is a dandy investment.

In our assessment, Forecasttrader ranks a perfect five out of five rating. A great site for beginners and and forex trading veterans. - 23221

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Before you buy any Forex software online, make sure you look up Theforexreviewsite.com

Foreclosures - Visit an Auction or use a Realtor?

By June McCann

I'm know you're in tune to the worries of recession and the real estate crisis going on in the US. This has caused a flooding of foreclosures that is surpassing previous highs. Although you still see older foreclosed homes in run down areas, what's different during this crisis is the quality of forclosed homes and neighborhoods they reside have drastically improved. Even some of the nice estates in wealthy neighborhoods can be found at government auctions for prices much lower than market value.

There are some great values out there but in order to take advantage of them you should first be aware of both the advantages and disadvantages of buying a foreclosed home at a government auction versus the conventional method using a realtor.

Some of the pros of purchasing a foreclosed/pre-foreclosed home are:

- The main advantage in purchasing a foreclosed home is the below market price.

- Many homes are in good condition for much less than their market value.

- The selection range of home available to choose from is extensive.

- No Realtors to have to go through or agency fees to pay (although you should still get advice from someone who knows something about real estate).

- Insurance is optional. Results in additional monthly savings.

- Great investment opportunity (i.e. rent out or flip that house)

- Not as risky as stock investing, plus you will own something of physical worth.

Disadvantages:

- Mortgages may be harder to get (unless you have great credit with your bank).

- There may be existing liens or unpaid taxes against the property.

Making sure that the foreclosed home you're interested in is clear of all debt is one of the most important things you should do homework on. After that, find out what types of payment plans are allowed, and have any required financing in place beforehand. Obviously any additional savings you may have will help.

Government auctions are being held regularly across North America. Check the Internet to discover information on the upcoming auctions and the property listings at each auction. Many sites will display images of properties that are in pre-foreclosure (properties you can purchase before the auction) and that will be each particular auction. Buying a foreclosed home through a government auction can be a very rewarding experience, but make sure you do your research first. You may wish to just watch during your first visit to a government auction to gain experience and get an idea of the procedure used. - 23221

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To locate an updated list of foreclosures/pre-foreclosures on the top government auction sites click government auctions review or Bank Foreclosures & Pre-foreclosures

Becoming a CTA Takes Time and a Savings Nest Egg

By Bill Johnson

Money makes the world talk, and commodities trading advisors play a key role in that conversation. According to the National Futures Association, a CTA is defined as an individual or firm that directly or indirectly advises clients on buying or selling futures or options contracts. As professional money managers, CTAs must be registered with the Commodities Futures Trading Commission.

There's no formal education process to become a CTA. Although it may be helpful to first start at a trading firm prior to beginning a CTA career, it doesn't guarantee a successful career nor is it required by federal regulations. Many CTAs have had little to no formal training and still proven themselves successful. However, working first for a firm can help you decide if you really have a knack for trading futures.

Although a formal education process isn't required, credentials are. Before applying to the NFA, you must first pass the Series 3 exam that measures your understanding of the makeup and regulations of the futures market.

Many planning to take the Series 3 test first practice with online study packages that provide sample tests as well as test-taking strategies. Having an idea of what to expect can keep you from being blindsided on test day.

First you must ask yourself some important questions. Are you really ready to become a CTA? How successful were you in investing in the stock market, and was this success proven over a variety of market conditions? Some success is simply market luck. Real talent can sustain itself over many market conditions.

Also, consider your finances and personal situation. Starting an investment business is risky, and timing is everything. Unless your CTA firm has a substantial amount under management, you can pretty much count on not seeing a paycheck the first year or two. Even managing a $1,000,000 account with a 2 percent management fee would only earn you $20,000 a year, or $1,600 a month.

Plus, you'll also face trading costs, rent, technology costs and fees for traditional support. Establishing a successful CTA career takes time. Be sure you have money in the bank before you begin.

If you have a natural eye for investment, however, you should do pretty well in the long run. CTAs are a vital to the marketplace. Learning to spot the changes in the industry before they happen is the key to a sustainable and lasting career. - 23221

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If you're interested in learning more about the profession would like to become a CTA the author recommends going here to learn more.

Current Information Regarding Mortgage Refinance

By Amanda Jackson

When looking at Mortgage Refinance there are quite a few details to which you will want to pay attention. It is very important to realize there are variations from one state to the next when it comes to interest rates, Loan to Value, supply vs. demand and these items will fluctuate without warning.

Mortgage Refinance probably makes very little sense if you plan on moving or foresee paying off your loan within the next few years. Monthly bills won't be around long enough to see the savings that would cover the costs. Refinancing makes sense if you are paying high interest rates, but as we have seen recently, that is usually not the case these days.

Deutsche Bank analyst Nishu Sood wrote in a report to clients on Tuesday, "There are too many factors working against lower rates, including the smaller stimulus this time in terms of payment reduction, falling home prices and tighter mortgage standards." We are aware of the changing conditions in the U.S. Finance Market. This means uncertainty for people considering a Mortgage Refinance.

Change in restrictions has caused what could be a temporary decrease in lending. In January of 2009, Wall Street Analysts suggested the market for 2009 may show deeper losses, as last year's ripple effect works its way through the U.S. We will also see to what degree the growing unemployment rate will affect both original loans and Mortgage Refinance in 2009.

The carryover from last year's events will cause Lenders to become ever strict, making Mortgage Finance and its ease of access not as attainable for customers as previously witnessed. We will find out if Mortgage Refinance will be different based on payment history and equity with which to negotiate.

We will also see to what degree the growing unemployment rate will affect both original loans and Mortgage Refinance in 2009. The outlook for the other leg of the real estate market: commercial properties, not looking any better as the $3.4 Trillion commercial market began to show its struggle in the fourth quarter of 2008.

Discussion about investing money you would spend on a Mortgage Refinance rather than actually Refinancing is becoming a popular topic as stocks have gone down. There is an alternative being suggested; comparing the cost of refinancing that would go into the life of a 30 year loan compared to putting the same amount into a 30 year investment. An investment that shows a 9% growth rate on $2,000 could grow to an approximate $26,500 in 30 years. This is simply another option in which to take a look.

Today's finance rates are subject to change at any time and as mentioned previously, without warning. Take a look at both options then make a decision based upon the reason for looking at a Mortgage Refinance in the first place. Try not to rush out and make a rash decision simply to beat the interest rates possibility of going back up, but don't sit around and wait until it is too late if it truly turns out to be in your best interest to Refinance. - 23221

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