7 Tips to Help You Enjoy a Safe Online Shopping Experience

Buying online offers a great shopping experience. You can enjoy lower prices and the package is delivered to your doorstep in a couple of days if not hours. Given below are a few tips that can help you enjoy a safer online buying experience.

1. Use a Secure Connection

First of all, make sure your computer is free of any malicious software or your password may get stolen. Despite the risk, only a fraction of US residents protect their computers from viruses. So, it’s better that you use a secure connection and keep your firewall always on.

2. Buy from a Reputable Merchant

Buying from a reputable merchant is a must. After all, you don’t want to end up compromising on the safety of your credit card details. All you need to do is do your homework before buying from a new merchant. If the store you are going to buy from is not reputable, look for a different store.

3. Avoid Unreasonable Offers

If an offer seems too good to be true, leave it. The prices offered by a store should be fair. If the prices are unreasonably low, know that something is fishy. Often, disreputable online stores sell items at unreasonably low prices. You should keep away from such scammers.

4. Don’t Forget to read the Terms and Conditions

Before you buy a gift card, make sure that the store is legitimate. Also, you may not want to forget reading the terms and conditions. They will help you make the right choice. After all, you don’t want to end up paying for hidden charges.

5. Don’t Work with a Seller that asks for too much information

When buying online, you have to provide a lot of required details like your email address, mobile number, shipping address, and payment method. However, if a merchant asks for additional information, close the page and walk away.

For instance, if you are asked for your driver’s license number, social security information and bank account information, know that they are scammers.

6. Create a Unique, Strong Password

Often, you have to create an account when buying online. Typically, signing up is not mandatory. It’s better to place your order and check out without creating an account unless you are the regular buyer of the store. Even if you choose to create an account, make sure your password is unique and strong.

7. Use your Credit Card or PayPal

It’s always a great idea to use your credit card to buy online. Actually debit cards don’t come with enough security, unlike a credit card. If someone makes unauthorized transactions using your credit card information, your bank will limit your liability to $50. On the other hand, your debit card will not offer this protection. So, you can either use your credit card or PayPal for making payments.

So, make sure you follow these tips when buying online to ensure you are always on the safe side. Hopefully, these tips will help you enjoy a safe online buying experience.

Tips to Buy the Right Replacement Battery for Your Laptop

Unlike a smartphone, a laptop computer will give you a lot more power. Since it’s a portable computer, it requires more battery power to perform its functions. Therefore, you can find a lot of battery types on the market today. With the help of a replacement battery, you can use your laptop for an extended period of time. Here, it’s important to keep in mind that batteries with a lot of capacity may not be a good fit for your laptop. Plus, they are a bit heavier than normal batteries, which makes them difficult to carry around.

If you are experiencing reduced performance while working on your laptop, we suggest that you look for a replacement battery. Given below are some tips to help you pick the right one.

1. Find out Your Laptop Brand (as well as the model)

First of all, make sure you know your laptop brand. For instance, you may have a Dell Inspiron or Acer laptop. Other brand batteries may not work for your laptop. Aside from the brand, if you know the model number of your device as well, it will make it easier for you to get the replacement battery.

You can find the model number on the back of your laptop. Also, it may also be found on the inside of the battery compartment. You can unplug your laptop and open up the compartment to read the model number.

2. Look For Your Battery Model Number on the Internet

if you can’t see the model number in the compartment, you can take a closer look at the battery itself. Some batteries have the model number printed on them.

At times, it’s the fast way to finding the information about your battery on the Internet. For instance, you can go to any of the popular websites to do your search.

All you need to do is enter the brand, model number and the name of the battery that you want to get the information for. This is the quickest way of getting the required information.

3. Conduct Necessary Verifications before you Buy

Before you buy a battery, make sure you take a closer look at its images online. The connectors of the battery should be the same as on the original battery. If they are different, it won’t fit inside the battery compartment.

For some reason, if you don’t have access to the original battery, or if you already own a replacement battery, you may take a closer look at the connectors inside the compartment to see if they match with those on your new battery.

So, if you are going to buy a replacement battery for your laptop, we suggest that you take into account the tips given above. They will make it easier for you to make the right purchase. Make sure the battery you are buying is original. Typically, reputable buyers only sell original stuff. So, it’s a great idea to buy from a reputable seller whether you are buying from a physical store or an online one.

7 Tips for Buying Urns Online

In the past, purchasing an urn involved going to the funeral home, which handled the funeral arrangements of your beloved family member, and picking one from their display selection. Now, since the advent of the Internet, one can simply type in the search term “urns” in any search engine and find literally hundreds of companies selling a wide variety of cremation urns online. Purchasing an urn from an Internet company can be painless and done from the comfort and privacy of your home. Yet, with such an enormous selection of urn vendors, how does one determine which vendor to purchase from?

It is difficult if not impossible to know who is genuinely interested in helping the customer and who is out to make a buck. These 7 tips are designed to help you evaluate the companies on the Internet selling cremation urns. Hopefully the information will help make this part of the process a little easier for you and your family.

1. Research the Urn Vendor

You want to deal with a business that is experienced and ethical. Invest a little time to educate yourself about the vendor you are considering doing business with.

  • How long have they been in business?
  • Where are they located?
  • Are they members of the Better Business Bureau?
  • If so, have they had any complaints?

Look within their website for an About Us or Company page that offers more information about them. You can also contact them by phone or email and question them.

Check with the Better Business Bureau to see if they are a member and if they have had any complaints for the last three years. Members of the BBB Online Reliability program will prominently display the BBB seal on their website.

Be skeptical of vendors that do not fully disclose simple yet important information such as contact phone number, email address, and where they are located.

2. Examine Their Customer Service

Good customer service is shown by being focused on helping you instead of just getting the sale. They need to be oriented toward fulfilling your needs and not theirs.

  • Can they be contacted by phone or email?
  • Do they appear knowledgeable about their products?
  • Are they helpful in answering your questions?
  • If contacted after hours did you receive a reply within a reasonable amount of time the following business day?

It is more comforting to talk to an actual person and this should be possible during regular business hours. Contact them with any questions you have or just to see how they handle your call. You can learn a lot just by interaction with the company before you make the purchase.

You want to feel comfortable when discussing various details with them and they need to be helpful.

3. You Need a Guarantee

You want some kind of satisfaction guarantee especially with this type of product. If you get the urn and decide you don’t like it, you should be able to return it as long as it is in resalable condition.

  • Does the vendor offer a money back guarantee?
  • Do they accept returns?
  • If they accept returns, is there a restocking fee?

If your urn has been personalized or if it is custom made, then it is understandable if the company cannot accept a return just because of a change in heart. However, if it is damaged upon arrival or they personalized it with the wrong information they should replace it at no charge to you.

4. A Privacy Policy

With the amount of identity theft going around, you want to make absolutely certain your personal information is protected by the vendor you are dealing with.

  • Is the vendor’s privacy policy easily accessible?
  • Does it clearly outline what information is gathered?
  • Do they inform you how your personal information is handled?

Certainly you have heard how many Internet users are having their information given or sold to spammers. Take the necessary steps to ensure it does not happen to you.

5. Secure Payment Processing

You’ve taken the necessary precautions to ensure your credit is healthy. Don’t ruin it by making an online purchase from an unsecured website, which in turn may lead to fraudulent charges.

  • Does the website offer secure encryption?
  • What types of security measures are offered?
  • Do they have a security guarantee?

If a company is asking for your credit card information over the Internet, then it is very important that they have secure payment processing.

On the webpage where you submit your credit card information make sure the webpage url begins with https://, whereas there is an ‘s’ at the end of the http and a closed security lock at the bottom right hand side of the window. If these elements are not visible, the page is not secure.

Check the vendor’s website for a security guarantee and what measures are taken to protect your credit card information.

6. Watch Out for Hidden Charges

Most people dislike when they’ve decided to purchase an item only to find there are hidden costs such as delivery charges or other unexpected costs. Look more closely at the bottom line price and be aware of additional charges.

  • Is delivery included in the price or is it separate?
  • If buying cremation jewelry, do they charge extra for the chain?
  • Is their pricing easy to understand?

After you’ve added the items to your cart and are ready to check out, look to make sure no additional charges have been added that were not previously selected.

If you are purchasing cremation jewelry, take note that many vendors charge a lower price for the pendant and then add an additional charge for the chain. This is to create the illusion that their prices a lower whereas the total price is higher than the one that got your initial attention.

7. Multiple Payment Options

Don’t get stuck having to pay for the urn with a credit card when you would rather pay by check. Make sure the vendor has different options in place for making payment that fit your preference.

  • Do they take all major credit cards?
  • Does the vendor accept check payment or money orders
  • Can you mail or fax in your payment?
  • Are you able to phone in your order?

Most individuals will choose to pay online with a credit card, but a good number of individuals are more comfortable calling in their order or of their choice or using a different form of payment altogether.

Make sure the company can accommodate your preferred method of payment.

These 7 tips should help you to select the vendor from which you will purchase your urn from. Even then, sometimes the simple things such as visual elements (professional website appearance, user friendly interface, good product images) or resources of information will lend to the trustworthiness and credibility of a company.

In the very end what it boils down to is asking yourself: “Do I feel comfortable purchasing from this company?” and hopefully this article helped you to find that answer.

Beneficial Tips To Use As You Purchase Your Next Auto

Everyone loves a new car, but almost no one enjoys shopping for one. Knowledge makes it more enjoyable, though. Going through the tips here is a great place to begin. Don’t let a salesperson talk you into buying a vehicle you can’t afford. Many people get hoodwinked into buying a sports car because salespeople say the person looks good in it. Remember, the salesperson is after a commission.

Make sure you do some research on a dealer prior to making an offer. If you are familiar with their financing choices and trade-in policy in advance, you will negotiate from a stronger position. Also, knowing about the customer reviews will assist you in avoiding getting scammed. Never pay full price for a car. This number is not an accurate reflection of what each dealer believes it can get from you. Bring a friend that is a good negotiator if that is not your strong point. Have a ballpark figure in mind before you go.

Test the merchandise before you buy. This will give you a feel of how good the car drives. It’s possible that the vehicle has some defect or issue that might affect the way it handles on the road. When you are looking for a car to purchase, make sure that any vehicle you consider is equipped with the latest safety features. The brakes and suspension are two things to take into account when car shopping. Check for air bags too, in the event of an accident. Safety is important since you will be in this vehicle a lot. Bring someone with you when you are shopping for a car. Have a friend or family member go with you to assist in asking the important questions and negotiating a price. Brief your companion on your vehicle needs and how much you have available to spend.

Put the Internet to work for you. There is a wide variety of cars and car information available online. Find out all you are able to about the cars you are interested in before you go and look at them. By researching online, you can find specs, gas mileage data, resell value, ratings and almost any other information that you desire. Few things are as exciting and overwhelming as the process of trying to find a new vehicle. The Internet is often your best friend in this situation. You can look up a variety of vehicles and compare prices right from your home. Many online sites offer side-by-side comparisons and other features to guide you through the selection process. This will help you to figure out what cars you should actually go out and visit a dealership to test drive.

Be cautious about giving out your social security number. It is common for car dealers to ask for this right away and use it to pull your credit. If you do not purchase a vehicle at this dealership, then your chances of obtaining the best deal at another dealership can be damaged because the credit run will be shown. Make sure the deal is ready before you start spouting out your Social. Most people would agree that buying a car is not their favorite activity. Actually, with preparation and the right mindset, you can shop for a car, truck or SUV with relatively little stress.

Ten Tips for Evaluating a Home Builder Website

When researching potential new home builders to hire, you need to rely on quality, professionalism, customer service and relevance to your wants and budget. Because most new home searches begin online, evaluating a home builder’s website is crucial to deciding whether or not the home builder deserves to be contacted. If you want to purchase a house, this helpful article offers home buying information and ten tips for evaluating a home builder website.

Because the website of New Home Builder Orleans Homes exemplifies many features indicative of a quality homebuilder website, it was used as a model for what a potential new home buyer should look for in a new house builder website.

House & Floor Plans

When you are considering the purchase of a new home – maybe the biggest purchase you will ever make – you need to know the house is what you want, inside and out. To save potential home buyers time, some homebuilder websites let visitors preview new home plans online. A typical home builder will offer several floor and house plans and a home builder whose website boasts interactive floor plans suggests both technical savvy and awareness of what site visitors want of a residential home builder.

Printable Brochures

Just as the availability of house and floor plans show an awareness of what those in the market for a new home want, the ability to print plans and brochures reinforces that awareness. If you print a plan, you have something tangible to use for reference and to use if you choose to tour new model homes.

Words, Pictures & Interactivity

A picture is worth a thousand words, or so the saying goes, but different people gather information in different ways. Some people are visual, others interactive while still more prefer to read to gather information. A home builder website should be equally open to these various ways of gathering information. And for those visual site visitors, if the pictures are of decent quality, it likely means the home builder invests in quality in other aspects of their business. One additional note on the pictures that appear on homebuilder websites: if the picture doesn’t show the actual home interior or exterior – shows instead a flower vase, say – it may mean the homebuilder is hiding something.

Usability & Navigation

For government and government contractor websites, the site must be accessible to persons with disabilities. Websites not obligated to this level of accessibility – but that are accessible nevertheless – are indicative of a company sympathetic to the needs of all potential site visitors. This is good, naturally, but accessible and usable websites also lead to a more rewarding site visit. In short, an open, easy-to-navigate website likely means open, easy-to-navigate homes.

Solid site navigation suggests, in addition, an awareness of how visitors will move throughout the website and a desire to make this process as intuitive as possible. A thoughtfully designed website means a thoughtfully designed home so look for sites that are both usable and accessible.

Interactive maps

To find a home, you need to know where it is. Maps, obviously, make the search for a new home easier. Furthermore, an interactive map – one where you can simply click on a location to view homes available in that area – makes the home search that much easier. When a website gives you multiple tools to find a new home for sale, it reinforces the notion that the homebuilder wants to make the search for a new home or new home development easier.

Easy-to-Find Content

Visitors to a homebuilder website may be looking for several unique types of information: new homes, home plans, home locations, financing information, company history, employment information, and home care tips. The content sought by a visitor should be easy to locate in a few simple clicks. Site maps, search fields, information architecture – these all help the visitor through the site. Again, an easily-navigable site suggests the homebuilder knows how to build well.

Search by Various Factors

A visitor in search of a single family home for sale, for example, may be seeking unique features. It so follows that a website should allow visitors to search by various factors such as location, neighborhood, price range, number of rooms, amenities, etc. There are many types of people in the market to buy a new home and a homebuilder should offer information to a variety of individuals. Even a luxury home builder builds a variety of models and a site that lets you search for factors pertinent to your home search suggests the company may be one worth further investigation.

Site Speaks to your Wants and Needs

Just as a site should allow for you to search according to your unique new home needs, a site should also speak to your new home wish list. If you are a first time homebuyer looking to buy a new house, evaluate the site content to see if they speak to needs similar to yours. If the site does not – there is no need to contact the home builder.

Links

A link is a vote for a website because, if there is a link to the site, the linking website owner decided the site content was worth referencing. So check to see if the site is linked to because links are essentially votes of confidence.

Financial Information

It is often said that the decision to purchase a house is one of the biggest most people will ever make. Most people have to think very carefully about investing in a new home, and how to finance it. Even if you have your own plans for financing a new home purchase, look for homebuilder websites that offer financing and mortgage information. It demonstrates a familiarity with the financing process and the ability of the company to give you good, reliable information. Some sites even offer a mortgage calculator [http://www.orleanshomes.com/buy/calc.cfm target=] – a very helpful tool to use during a new home search.

If you evaluate home builder websites based on these factors, you are better prepared to decide which new home builders to contact. One final note. If you like a home builder website, look for interest list forms or forms to request additional information. Filling out these forms not only ensures you are only provided relevant information, they will likely automatically qualify you for special offers, discounts and VIP openings. If you like what you see, fill out the interest list.

* You may republish this article provided you retain the active hyperlinks. Copyright 2006, Robert O’Shaughnessy.

Tips to Help You Buy a Laptop Power Charger

Theoretically speaking, a laptop charger should stand the test of time. However, in reality, they don’t last that long. They may get damaged or stolen, for instance. If your charger is not working, you won’t be able to charge or use your laptop. So, it’s important that you get a new one from a nearby office supply store or electronics/computer shop. You can also buy them online. Given below are a few tips that can help you opt for the right one.

Don’t Opt for a Universal Power Charger

While the universal charger is a good choice, it may not perform to your satisfaction. This type of charger supports a lot of models but their components can’t meet the specific power requirements of some laptops. Typically, the problems are related to the fit, power tips, price, and voltage. So, it’s better to get a branded one.

Don’t Buy a Solar Charger

Solar chargers are eco-friendly and efficient. There is a difference between these and OEM models. Although they can be safely used with most types of machines, we can’t say for sure if they can work with all models.

Don’t Go for a Cheap unit

Buying a cheap charger is not a good idea as it won’t stand the test of time. In addition, cheap models tend to overheat the computer due to the inconsistency of power inflows. Therefore, they can’t be considered a good solution.

Don’t opt for Another Brand

If you choose a charger of a different brand, chances are that it won’t fit. Due to low or high voltage, it may cause problems even if you manage to connect it to your device.

Go for The Recommended Charger

Make sure you opt for the right type of charger. You can get this type of information from a number of different places, such as your laptop bottom, old charger box, and the website of the manufacturer. If you are going to buy online, the item’s specs can help you get this information.

Do Opt for an OEM unit

Ideally, most experts suggest that you get an Original Equipment Manufacturer (OEM) unit as it’s designed for the type and model of the computer you own. It can be hard to opt for the OEM unit. So, it’s better to order online. Often, online stores have a huge selection of products that you can buy at competitive prices.

Choose a Generic Charger if you can’t get an OEM one

If you want to buy a unit that is not designed for your own model, make sure the unit you want to buy is safe. Typically, they are compatible and safe to use. Although a generic unit may help you save a lot of money, it may not have enough power. Therefore, we suggest that you find out the power requirement of your charger before you get a unit.

Long story short, if you are going to buy the right charger for your laptop, we suggest that you consider the do’s and don’ts mentioned in this article. Hope this helps.

Tips And Resources For Playing And Buying A Bass Guitar

The bass is the back bone or the heart beat in a band.

The bass is the instrument that hold things together, creates consistent cohesion. The bass requires a player who can stay focused and steady. There are times where a bass player will get the chance to solo or jam, but unlike a lead guitar or other instruments the majority of time the bass plays the same notes over and over throughout the tune. Everyone in a band, an orchestra, quartet or most any other group of instruments playing together, will depend on the bass as a guide, if the bass makes mistakes it can throw everyone off.

The bassist propels the tune along by aligning each chord so that the other players move smoothly through the cord changes in the music.

To play bass well is not an easy accomplishment. The physical stamina in your fingers and arms alone requires strength. You have to work up to the endurance and stamina needed in your hands to actively and consistently play bass well. Practice and preparation with finger and hand strength building exercises are needed to handle the strings of a bass.

The bassist must keep excellent time, they are the time keeper. The other players depend on the bass to be always consistently on time though out the tune.

While the bass most often has four strings there are five and six string bass guitars as well. Most bass guitars are electric. The stand up acoustic bass is used most often in classical and jazz music. The Ibanez brand does also make an acoustic electric bass, which allows you to play with and without amplification.

The bass has a much lower tone pitch than a guitar or other string instruments. The longer a string is the lower the tone. The bass has longer strings than other string instruments including the acoustic and electric guitar. The bass is responsible for taking care of the lower sound spectrum.

An electric bass is most often built for left hand fretting. The tuning keys are at the top of the headstock. The nut is the piece of material where a grove is provided for each string to sit in. The flat part of the neck is known as the fretboard where the strings are pressed to create the separate notes. while the strings are actually a part that is separate from the bass itself, the bass is incomplete and non functional with out the strings. The strings create a vibration that is the sound of your bass.

An electric bass will have pickups that pickup the vibration of the strings and send the sound through the amplifier. On an acoustic bass there is a soundboard and a hollow body that transmits the string vibration into the sound you hear.

The Ibanez company builds and sells acoustic electric bass guitars that have a pickup to allow for a louder sound when required by the player. When playing with other acoustic instruments most often no amplification is needed and so the acoustic electric bass can still play where the electric bass guitar can not function without electricity and an amplifier.

The bass is available in a wide price range. You can buy a quality brand bass for under a $150.00 and you can pay well into the thousands for top of the line professional models. Ibanez while being a quality builder offers some very low priced models for beginners. They also offer comparatively high quality for the price.

Ibanez is known for their acoustic electric bass guitars as well as their standard electric bass.

Even when you are just beginning to play bass it is a good idea to start out with a bass of reasonable quality that has good action and fits your hand size and feels comfortable.

When going out to try different bass models ask lots of questions and if possible bring along a friend that plays bass to help you find a fit.

Patio Umbrella Buying Tips – Frame Components

As the rising trend for online shopping continues to grow by leaps and bounds, it is important for all consumers to perform their due diligence when choosing on a specific e-commerce vendor to buy from. As more and more mom and pop entrepreneurs take the helm in their knickers trying to cash in on the latest home based business opportunity, you should make sure that each online store you visit has taken a proactive approach to give you the most valid information and security needed to make an informed decision. When purchasing a patio umbrella for your home and back yard pleasure, it is imperative you read all of the specifications needed to make sure you understand exactly what you are purchasing. The following information should give you some basic guidelines to help in making your buying decision regarding a specific frame type: The Patio Umbrella and Market Umbrella Frame: Several basic components of the frame make up the “skeleton” of your Outdoor Umbrella. Umbrellas with Cranks and Push Pins: Most aluminum patio umbrellas have either a manual push open lift with push button pin or a crank to lift the shade canopy open. The umbrella crank is a device that is rotated to open a patio umbrella. Some aluminum umbrellas have the tilt-mechanism included with the crank to facilitate tilting the umbrella at the same time as opening them. Crank Style Umbrellas are definitely “NOT” recommended for use in commercial applications.

  • Pulley and Pin Umbrellas: Most wood patio umbrellas have a push up mechanism or pulley & pin type of feature to raise the umbrella. We recommend a simple manual push up type of operation with pin & hole option to keep the umbrella shade open for commercial applications. All too often restaurants and commercial resorts have challenges with patrons opening & closing umbrellas with pulleys and cranks resulting in damage to the unit or serious safety hazard issues from collapsing umbrellas to the un-aware customers beneath the unit.
  • The Top or Umbrella Finial: The top of the umbrella is called a finial. The umbrella finial adds decorative functionality to your market or patio umbrella and provides the finishing touch to the aesthetics of the umbrella. It also serves the functional purpose of anchoring the top of the shade cover or fabric to the umbrella frame.
  • The Umbrella Pole: The vast majority of umbrella poles are assembled in two pieces for ease of shipping and storage. The most familiar pole materials are wood or aluminum, but also may be fiberglass, steel, plastic or resin composite types. Many commercial grade solid pole umbrellas come as single solid piece that adds significant strength to help them withstand high wind pressure and the general rigors of commercial umbrella applications around resort, condominium pool areas, and restaurant applications.
  • The Umbrella Rib Arms: The rib arms of a patio and market umbrella are the pieces of an umbrella frame that spread and support the shade cover into the open position. The higher the rib count usually equals more strength and stability. The Fiberglass ribs featured on some Wind Resistant Market Umbrellas are outstanding at absorbing wind gusts without breaking and last four to five times longer than traditional wood or aluminum ribs.
  • Umbrellas with Tilt Mechanisms: Many residential patio umbrellas have tilt mechanisms as a feature to provide additional shade options for better sun protection. Tilt features come in various assortments, including buttons at the top of the umbrella frame underneath the rib hub, or crank feature tilts in conjunction with the crank handle.

7 Tips To Keep In Mind When Buying Your First Property

Many people got rich buying and selling real estate. So, investing in real estate is a lucrative business. Unlike buying stock, you can easily put in millions of dollars into your first purchase. But you have to have the necessary information before getting started. Below are some tips for you to get started.

1. Repairs

Do you know how to use a toolbox? Can you repair drywall? Can you unclog a toilet? There is no doubt that you can call a professional to get these jobs done, but this will cost you a significant amount of money. Most property owners, especially those with a few homes, do the repair work on their own in order to save money. So, if you can’t do these projects yourself, you may not want to be a landlord.

2. Debt

Experienced investors have debt as an important part of their portfolio of investment. However, a common man can’t afford to carry debt. So, if you have a student loan to pay, or you have some medical bills to pay, buying a rental property won’t be the right move for you.

3. The Down Payment

Usually, if you want to invest in real estate, you should be ready to make a big down payment. Aside from this, investment properties require approval requirements that are more stringent. So, the small sum that you put down on your home won’t work for your investment property. For this, you need a minimum of 20%. So, you have to keep this in mind.

4. Higher Interest Rates

Now, the cost of getting a loan may not be that expensive, but the rate of interest on your investment property may be a bit higher. Keep in mind that you need to make a mortgage payment that won’t be so high. This payment should not be too difficult for you to pay.

5. Figure out Your Margins

Big firms that purchase some distressed properties opt for at least 5% return on their investment. The reason is that they have a staff to pay salaries to. As an individual, we suggest that you aim for 10% ROI. According to estimates, the maintenance cost of the properties is 1% of the value of the property.

6. Buying a Fixer-Upper

You may want to get a house that can be bought at a bargain for flipping into a rental. However, if you are going to buy for the first time, doing so will be a bad idea. Moreover, unless you are good at home improvements, the renovation will cost you plenty of money. What you need to do is search for a home the value of which is lower than that of market. Moreover, make sure that the house doesn’t need heavy repairs.

7. Figure out Operating Expenses

On average, the operating expenses on a fresh property are at least 35% of the gross operating income obtained from that property. So, you should figure out your operating expenses as well.

Hopefully, now you are ready to buy your first home

Horse Riding Lesson Guide – Got Buyer’s Remorse? 5 Tips About Your Purchase Contract

As an attorney, I am often asked by newcomers taking horse riding lessons, what are the buyer’s legal rights when they buy a horse. You are governed by contract law which is defined in your state. It is imperative to have a written contract so that your agreement is less ambiguous and easier to define.

Generally speaking, and one of the most important horse riding lessons is that the buyer purchases a horse “AS IS”, meaning that the duty is on you, the buyer, to examine the horse prior to the purchase. Any defects gone unnoticed and found after the purchase are not a cause of action for a law suit against the seller. It is truly a “buyer beware” situation!

Of course, any agreement can change the “as is” nature of the transaction. You may include in your purchase contract, for example, that the horse is 8 years old and suitable for a child to ride. If you later find out that the horse is actually 15 years old and was used by the seller as in gymkhana events, you may very well have a cause of action against the seller!

1. The more you can get in writing, the better. At a minimum you should expect to receive a Bill Of Sale in which the horse is identified by name, age, breed, color, sex and any other identifying traits that distinguish him from another horse. If any of those elements of the contract are later found to be untrue, you may have a cause of action if the breach is material. For example, if the horse is said to be 6 years old and in fact he is 5 years old, you may not be damaged in the eyes of the law. If the horse is said to be 6 years old and he is in fact 18, you would be damaged because you are buying a horse whose lifespan is significantly less than you expected.

2. If you can prove (that’s the hard part) that the seller engaged in fraud, you can overcome a written contract just as in other civil contract cases. Fraud is difficult to prove, however, because it requires that you show the seller made an intentional misrepresentation designed to make you buy the horse. For example, if the seller knows the horse has navicular disease, yet tells the buyer he is totally sound, the buyer has a cause of action if he can prove the seller’s knowledge of that fact.

3. Besides the written contract, look also at the advertisement the seller may have published. The ad could contain specific statements that could be interpreted as part of the bargain. For example, a buyer who purchased a horse advertised as having “no vices” could likely successfully sue the seller if, immediately after the purchase, the horse turns out to be a terrible cribber. Even if the contract says you are buying the horse “as is”, the written ad would likely give the buyer recourse anyway.

4. If the seller has a higher, specific duty to you, then you may have recourse as well. If the seller was also your instructor, he or she has an affirmative duty to help you buy the right horse above and beyond the normal seller’s contractual obligations.

5. Determine whether the seller is subject to the UCC? The Uniform Commercial Code governs the sales of goods from “merchants”. In the horse business, a merchant would be someone who makes a regular income with horse transactions, like breeders and livestock agents. If the UCC applies, then the transaction will come with two implied warranties: merchantability and fitness for a particular purpose. This will mean that, regardless of the contract, the horse must be reasonably sound and healthy as well as suited to the buyer’s purpose. These can only be excepted if done so in writing in the contract. So, look for that language!

Do not lose your head when it comes to buying a horse. This is the first horse riding lesson everyone should learn! Think things through and get it all in writing!

For more information on contracts go to http://www.horsebacklessonsguide.com or http://www.equestrianriderguide.com