Getting a Good Bankruptcy Lawyer

There is nothing worse than having to file for bankruptcy. Bankruptcy is a very serious matter which can destroy the lives of many people and render them completely helpless. Before moving forward with this article it is important to describe bankruptcy and what it entails. Bankruptcy is also referred to as insolvency and is a legal state of being unable to repay debts owed to creditors.

Bankruptcy is applicable to both individuals and organizations. When bankruptcy happens to an organization, many creditors will normally file a bankruptcy petition in an effort to recover a portion of the money owed to them by the company or organization. This results in the organization seeking the services of a bankruptcy lawyer. A bankruptcy lawyer is someone who is conversant with bankruptcy law and will be able to defend you against the petition filed by the creditors. Bankruptcy lawyers are quite expensive and you will have to prove to them that you can pay them before securing their services.

Tips on how to hire a good bankruptcy lawyer?
The increase in bankruptcy petitions has resulted in an increase in demand for bankruptcy lawyers. This has led to an increase in the number of lawyers who are looking to make a quick buck at the expense of debtors who do not know any better, while offering very poor legal services in return. It is important to ensure that the bankruptcy lawyer you have chosen is up to the task and will give you the required help you need throughout the entire process. Some of the tips you can use when trying to identify a good bankruptcy lawyer are given below.

Investigation: Many people often panic when they declare bankruptcy and will select the first bankruptcy lawyer that they come across. This is not a wise move because you need to conduct a thorough investigation. This investigation should involve a thorough background check of the lawyer and should be done before the bankruptcy claim is made. This will also give your lawyer enough time to prepare for the case.

Word of mouth: A good bankruptcy lawyer will be well-known, especially in the business world, so it is very important to ask around and gather information about companies that have filed for bankruptcy and who represented them. It is also important to know the outcome of the cases. You are bound to get information that is helpful. Experience should be your main focus in the search for a good lawyer who can adequately represent you.

The courts: A bankruptcy court is a good source about bankruptcy lawyers. You should always take some time off and visit a bankruptcy court so as to see and experience a bankruptcy case. This will give you an idea of how a good lawyer should conduct the trial when defending someone.

The panel of lawyers: The best place to find out about the best and most respected lawyers is by visiting the bankruptcy lawyer’s panel. The reputations of these lawyers precede them and you are likely to find a very good lawyer who deals with bankruptcy issues and is experienced in the field. Visiting the office of the lawyer may also give an indication about the lawyer’s reputability.

Attending free consultation sessions: Free consultation sessions are the platforms that make it possible for you to ask as many questions as possible about bankruptcy and where to find good lawyers. It is also the beginning of a good working relationship between you and the lawyers because you might get good contacts which will help you in the future. A bankruptcy lawyer will make the difference in the outcome of your case so you should ensure that the lawyer you choose is able to swing the final result in your favor.

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Tips to Find a Good Bankruptcy Lawyer Who Will Provide the Necessary Legal Services

Bankruptcy is quite a serious matter and there is nothing worse for an individual or a corporation than having to file for bankruptcy. It can affect many people and ruin their careers and lives and render them completely helpless. The very word bankruptcy means a legal state of being unable to repay debts that one owes to the creditors. It is also sometimes referred to as insolvency. It can happen to both individual and organizations. Creditors will normally file a bankruptcy petition in an endeavor to recover a part of the money payable to them by the company or organization when bankruptcy happens to an organization. When it happens to an individual then they get buried in so much debt that they find it impossible to recover from it, and have no other option but to file for bankruptcy.

Therefore, whether it happens to an individual or an organization, it is absolutely necessary to seek the services of a bankruptcy lawyer who is well acquainted with bankruptcy law and will be able to shield you against the petition filed by the creditors. The bankruptcy lawyers are quite expensive and they will only render their services once you convince them that it is possible for you to bear their fees, and pay them on time. But since they are expensive and since your entire financial future depends on their expertise you should be careful as to whom you hire and follow some guidelines while looking for a good bankruptcy lawyer.

The first step in hiring a bankruptcy lawyer is to look for an experienced lawyer who has the necessary expertise to handle any kind of bankruptcy. Remember that your future is in the hands of this individual who will represent you in the court of law. It is their knowledge and expertise which will determine how your case unfolds in the court and what is your chance of winning the case.

It will be prudent to do some background research before you hire an expensive bankruptcy lawyer. Ask your colleagues, friends, neighbors, or any of your acquaintances who have gone through the same ordeal or knows someone who have required the services of a bankruptcy lawyer. Internet search can also throw back results about the lawyers in your location and their specialties. Yellow pages can also be a good source from where you can get hold of a lawyer. Any bankruptcy lawyer that is working in your area should be listed there and hence as per your requirements you can get the contact details of such a lawyer. Just look into the bankruptcy section and you will immediately give a list of all bankruptcy lawyers in your area.

Once you have listed the lawyers in your area, it is time for some background checks on the list and then pick one from the list. Through the internet, it is easy to get information on the lawyers and their case histories, their success rate, and client feedbacks. You can also ask for a review on the lawyer you are interested in, by calling up the court and asking them for a review. You will also be able to check which bankruptcy lawyer has the majority number of winning cases. Also important is to find out which bankruptcy lawyer has the maximum experience of working in your area and the local court, because that will mean that the particular lawyer will have good rapport with the court officials. Hiring lawyer who has a winning streak but belongs to another state is a bad idea, because laws change from one state to another and a lawyer who is working in another state may not be successful in your state, as he won’t have enough information to fight your case.

A consultation session is a must once you have shortlisted two or three lawyers. You can always cal up and request them to meet you for a consultation session. These sessions are usually free of the lawyers’ billing time. If a lawyer demands money for this session, it will be best to avoid that lawyer. This session will be the deal maker, and will certainly help you make that final decision regarding which lawyer is best suited to fight your case.
The current world is dominated by credit card users, and people fall into debts because it is difficult to keep a check on the spending for most people who enjoy the good life. But the result can be huge debts which have led to the increase in bankruptcy petitions which in turn has resulted in an increase in demand for bankruptcy lawyers. The above tips can be used as a guideline for finding the right lawyer as there are risks for a lay person without any knowledge of legal matters to bump into a money grabbing legal monster who is only interested in making a few extra bucks while offering poor legal services in return.

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Discount Door Hardware For Homeowners

If you see any indication that there is discount door hardware available in shops, then you are in for some luck and a great buy. Surely, you know that discounted products mean they cost lesser than the original price, and with this you can save on some amount. It is always important to grab opportunities like this because knowing stores, they rarely offer such treat. And if you happen to be needing materials for the maintenance of the function of your door, then buying in bulk will be worthy and won’t hurt your finances so much if it weren’t back to its original price yet.

There has to be a technical definition for a door, and in here we will describe it according to its functions. Obviously, it can move and such movement is seen when it is swung, rotated or made to slide for the purposes of entrance or exit. Of course, such movement is aided by screws, hinges and the likes. So what happens when a door is closed? If you are inside the enclosed space, then something is blocking your passage way for exit. If otherwise, then you are prevented from entering, unless you twist the knob and granted that it isn’t locked. When a door is opened, possibly there will be light and ventilation that will pour in. And come to think of it, even noise can be blocked or lessened, depending on its loudness.

Aesthetically speaking, you can treat doors as accent piece as well, and they can be such without much effort as long as you chose the right one. Elaborate designs can say so much about an object and could create thoughts that are reminiscent of complex things, like being entangled in adventures for example. Remember the story about kids going inside their wardrobe and then tumbling into another dimension? That’s how exciting one’s feeling could get by the mere sight of a door, the constant wondering of what lies beyond. Chances are, with the discount door hardware you can buy, all the finishing touches you replace your old ones with will make it even more appealing for sight.

Of course, with the knowledge that you can save and cut on your expenses from the discounts granted on the products, are you sure you will be happy with your purchase with the quality it has? Think about it, if what you bought are of low and poor quality, then you have to buy for replacements only after a short period of time, thus doubling your costs. Whereas if the product is of quality, then rest assured you can use it for a long time. So before buying and being lured by the discount, make sure quality is not compromised.

You do not need to worry about buying when the time comes that there is discount door hardware, especially since you have competition lined up. Thus it is best to be familiar with trusted brands first hand, so when the opportunity is there you can already pounce and go to the nearest hardware store.

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Get the Best Hardware Fittings in the Country!

The remodeling of a room is not an easy process let alone if you are doing it for an entire apartment. First you need to meet with the architect and get the plan all ready. Then you need to figure out the materials that need to be used for the remodeling then comes the execution of the plan. Herein is important to note that one thinks that it is the tiny little things like the various hardwares and fixtures that make a house a better home. Therefore, to comply with these needs of yours, are manufacturing companies that develop/manufacture sell and supply some of the top most quality fittings for your home. Sometimes it is the small things like door hardware fittings that get neglected. These are companies that have been existing for a long period of time they have testimonials that would ease your mind. Thus, these companies will take care of all your hardware supplies and it fittings too.

Services they provide

These companies offer you several types of brands that you can choose. Hettich, Hafele, Blum and Safex are some to name a few. One has the option to go onto their website and make orders and selection and to shop based on the brand they are looking for, these high end brands provide you with top notch quality products. All their products are branded and of designer making. You can choose from a wide range of selections of designer door handles in India through these companies. They supply you with all types of hardware like that of doors and windows, kitchen fittings, wardrobe fixtures, bathroom accessories and also various types of glass fittings. This could include glass doors and windows too.

Some of the supplying companies have a warranty period on the products they supply or sell. However, if there is an issue with the warranty then all you have to do is get in touch with the manufacturers that have supplied the goods to them.

Door hardware options

In each category or fittings that are sold, there are many that are covered. For example if one is looking for door hardware fittings that you can choose from. Some of these are door locks, handles, knobs, electronic locks, dampers, door closers and various other accessories. There are many door designer handles in India and these suppliers and selling companies make sure that they have such products for you.

The brands vary from Archis to Safex to any other European brand. These are some of the best known names in the hardware world. Once you finalize on one of the door hardware fittings, you have the option of getting the details of the product, even comparing it with other brands and products and even sharing it for the purpose of gauging more opinions.

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Property Management Training, Real Estate Investing, Economic Drivers and Las Vegas

So to switch things up a little, in this property management training story I wanted to step back and take a look at some of the factors that can affect the cash flow and the possible appreciation, or heaven forbid deprecation, of your real estate investment.

Before I talk about that, though, let me share a story about one of my favorite questionable rental housing markets.

Las Vegas, Nevada.

Property Management Training In Vegas

I’m picking on Vegas because lately I’ve been hearing a lot of otherwise intelligent people suggest that now is a good time to invest there. Maybe yes, maybe no.

Here’s my story.

Years ago, before the house rental market really took off I had the opportunity to travel to Las Vegas once every month or so, for the better part of a year.

What eventually struck be about the place was how absolutely artificial it was, and what a huge – and I mean huge – impact the casino industry had on the city.

Bigger Than Some Small Towns

Most if the casinos have infrastructures larger than some small towns. And the number of people they employ is huge.

There are schools devoted strictly on training people how to work in various jobs in the casinos.

And I don’t mean casino or hospitality management. I mean blackjack dealers, waiters, car hops, jobs of that nature.

There are actually schools devoted strictly to this. One morning on the way to an appointment I drove by one, and the parking lot was jam packed.

Now you may be reading this and thinking to yourself, “No kidding Jeffrey, Vegas is all about gambling.”

And you would be right. Except I would say, it’s ALL about gambling.

How Economic Drivers Influence Real Estate Investing and Property Management

Which means if you’re investing in a rental property in Las Vegas you’re really investing in the casino industry, and how well the casino industry is doing will have a 100% impact on the success of your investment and property management efforts.

The casino industry in Vegas is what we’d call the economic driver.

If they’re driving the economy forward, if they’re employing people, paying a decent wage, and managing to keep them happy, your how to rent my house efforts will be positively impacted because there will be plenty of people who can afford to rent your house.

On the other hand, if the casino isn’t doing well, then you’d better make sure you’re applying all of the methods from the property management training you’ve received if you want your rental property to be a success.

For sure Vegas is an extreme example, but it illustrates my point well.

I’m always surprised that 9 out of 10 of the real estate investors I see focus only on price and spend little if no time thinking about the economic drivers for the area they’re investing in.

It’s Not All About Price

Naturally, if you’ve invested in some basic property management training you’re in the top 10% and understand economic drivers and the big picture.

Here are some of the top items I consider when thinking about economic drivers, real estate investments, and managing real estate:

Is the market ever going to come back?

This is true of certain neighborhoods within a city as well as certain cities or even parts of the country. If your market is dependent on politics, its probably already booming. On the other hand, if you’re hoping that the auto industry in Detroit will come back, that I’m not so sure about.

How stable are the rents?

Consider whether more rental homes will come onto the market at prices lower than what you paid. If so, your competition will have more flexibility in adjusting rental rates that you will.

Will the demand for your rental property soften?

Right now there’s a lot of activity in the apartment and multi-family market.

Common sense property management training should cover the pros and cons of different property types.

If you’re investing in multi-family property, spend some time thinking about how your rents and tenant quality might be affected if more and more single family homes come on the market at rents close to what your apartment rents are.

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The California Real Estate Rollercoaster

The year 2010 brings to a close one of the most volatile decades in the history of the California real estate industry. Median home prices increased at an unprecedented rate to all-time highs five years ago, while the second half of the decade witnessed the sharpest decline in home prices ever recorded. It’s hard to imagine that the same ten years that saw homes being purchased sight-unseen at twenty percent above asking price also experienced widespread foreclosures and lofty inventories of properties for sale. Home builders that were once purchasing as much land as they could find were soon abandoning partially completed developments. Homebuyers that once struggled to find a home they could afford were suddenly availed to a wide array of reasonably priced houses. So now that the California real estate rollercoaster has rapidly taken us up and down, what does the future hold?

Excitement aside, it seems safe to say that market stability would be much more favorable when compared against the extreme fluctuations experienced over the previous decade. Thankfully most real estate economic indicators over the past several months do point towards a leveling out of housing values. However, the primary concern in the back of every real estate professional’s mind is whether a second wave of foreclosures will negatively impact housing values in the near future. Should we be ready to pull back the safety bar and lift our arms in the air to prepare for the next plunge on the rollercoaster?

This determination should begin with an analysis of two of the most prominent real estate market statistics: housing sales and median prices. A look at California homes sales shows that between 500,000 to 600,000 single family residences have been sold each month in the state for the last year-and-a-half consistently. These stable statistics are well above the trough of 254,650 home sales that occurred in October of 2007. So given the currently high levels of affordability compared to the peak years of the housing boom, a dramatic drop in the number of homes sold seems very unlikely.

A quick examination of California median home prices during the first quarter of 2010 may initially raise fears of a potential double dip as housing values decreased from $306,820 to $279,840. However, it is important to note that the median price of $279,840 was actually 14.1% above the median from a year ago. Affordability is also more than double than the levels of a few years ago when the median home price in California exceeded $550,000. The fact that more buyers can afford to buy homes should continue to drive demand and prevent a significant decline in home prices.

When applying the law of supply and demand to housing values, one must assess the number of homes for sale in order to ensure that this supply, or housing inventory, does not exceed the current level of demand. The first quarter of 2010 revealed a housing inventory of 6.3 months – the time it would take for all of the homes currently on the market to sell at the current rate of sales activity. Although this figure may seem large, California’s long-run average is 7 months of inventory. Accordingly, inventory levels below 7 months have always fueled year-to-year price gains in the past. So if inventory levels can continue to be contained, housing values should begin appreciating again in the near future.

Housing inventory is what leads us to the primary quandary as to whether record breaking loan default notices over the past year will lead to yet another wave of foreclosures that will ultimately be re-sold by lenders in bulk. In theory, this could dramatically increase housing inventories beyond demand and cause another drop in home prices. Fortunately this event seems unlikely now that both banks and the Federal Government are increasingly working hard on various levels to promote foreclosure avoidance through loan modifications and short sales. These efforts in combination with recently instituted housing tax benefits, increased affordability, low inventories and increased demand should all help to counter the effects of future foreclosures.

So even though most patrons don’t enjoy a relatively slow and stable rollercoaster, it is safe to say that most Californians welcome the idea of this ride becoming a little safer and predictable.

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Why Now Is A Great Time To Invest In Resort Real Estate

When Headlines Don’t Match The Real Data

Real estate, like life, follows a series of cycles. Whether you consider it locally, nationally, or globally – it’s an eternal exercise in ebb and flow, but one that over time tracks continually upwards. While the mainstream media is currently focused on eye-catching headlines reporting supposedly dire real estate economic conditions, it fails to recognize – and certainly fails to report – the differences between national, regional and local data, as well as the vast chasm between the primary vs. the vacation/secondary home market.

Current news trends amplify the real estate woes of only a handful of areas in the U.S., where speculating by ‘flippers’ and sub-prime loans to primary homebuyers have, admittedly, caused significant real estate downturns. However, while these issues affect perhaps 10% of the States in this country, markets in a large portion of the other 45 states are experiencing everything from a modest gain to a near-record high real estate environment.

One of the strongest segments of those rising market areas is the resort or vacation/second home market. Because of the nature of this market – where buyers are generally well-funded and financially capable of pursuing vacation or possibly future retirement area options – this real estate segment is typically less volatile than primary or investor-driven markets. Highly-leveraged buyers, those that help create volatility, represent only a small fraction of the resort/vacation/second home markets.

As a result, the economic forecast for this portion of the market continues on an upward swing. In 2006, vacation home sales accounted for 14% of all the nation’s home sales – according to the National Association of Realtors (a 2% increase over 2005). And even in the current economic climate, it is anticipated that 2007 statistics will continue to hold strong.

In fact, according to real estate market analysts such as renowned economist Harry Dent, the success of the resort/vacation/second home arena is truly nothing more than a simple ‘numbers’ game — driven by the sheer volume of Baby Boomers venturing ever closer to the retirement horizon.

“Rising Baby Boom birth trends…show a rising wave of peak vacation-home buyers from 2000 into 2024,” according to The Next Great Bubble Boom (H. S. Dent, 2006).

Indeed, the combination of the financial resources of the post-WWII generation, coupled with the continual rise of technological advances indicate a profound reinforcement of this prediction. No longer tied to the physical constraints of living in the city to remain commercially productive – Boomers are now recognizing their ability to live where they can play…….and rely on technology to maintain their career connection. As indicated by the chart below, the next great migration wave is off to the small towns and resort communities………and that’s precisely where the resort/vacation lifestyle is to be found.

All of these statistics and forecasts for the future of resort real estate, however, seem to fly in the face of what can only be considered by the news media: a “Great Bad News” reporting event. So it’s not surprising that the data of the past, current and future trends that investing in resort/vacation properties is well-supported – specifically those resorts located in the Rocky Mountains – is rarely seen.

In the more well-known and long-established ski resort areas – such as Jackson Hole, Wyoming and Aspen, Vail, Breckenridge, and Telluride Colorado – during the past 10 years, the value of resort properties purchased in these markets has risen from 23-28% annually. 2006 saw record results, with 2007 on track to break even those records. Condominiums typically lead this market with homes in a close second position — and as the Rocky Mountain lifestyle lends itself to year-round enjoyment of these second-home and resort properties – these statistics should really come as no surprise.

But the truth is – you won’t see them making headlines anytime soon.

Perhaps for the savvy real estate buyer, though — that’s good news. Few things are more satisfying than having done your own research, which leads you to making an advantageous and unique real estate investment. The Rocky Mountains cut a wide swath through the western U.S., and offers some of the most spectacular recreation, landscape, and lifestyles imaginable.

Look for resort areas that are earlier in the growth curve, and have a large, financially secure entity that supports massive infrastructure and community amenity improvements. These may include government supported improvements (roads, utilities, airport upgrades, etc.) or amenities (new ski lifts, golf courses, conference facilities and waterparks) that are developed by well-funded companies with a proven track record for quality. Whistler, British Columbia is one example of a location that had both strong government and corporate support twenty years ago, and real estate values have more than tripled there over the last decade.

While resorts like Aspen, Vail, Sun Valley and Jackson Hole are in their “maturing” stage, look towards those areas that have just recently “hit the radar screen”, like Central Oregon (Bend), Couer d’Alene, ID, Whitefish, MT and Kellogg, ID.

By purchasing in one of these “up and coming” resort areas, a smart buyer can still stumble into a ground-floor opportunity – similar to those seen in Vail and Aspen twenty years ago.

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An Overview on Calgary Real Estate Economic Conditions

The correction in the housing market, fall in interest rates and growth in house hold income has brought the affordability of Calgary homes better than ever before. However, the degree of housing affordability has improved far better than the 1980′s cycle. The present growth is found to be similar with that of early 1990′s real estate cycle. Record lows are spotted as another important reason for the increase in affordability and still further lowering is expected. Calgary agents instruct people to budget for higher interest rates to stay away from excessive risks. Speaking about the market, there are three individual yet connected types of real estate markets are available. They are Rental Market, Resale Market and the Construction Market.

One of the intelligent ways to evaluate your assets is just by comparing them with safe investments. However, Government bonds are considered to be the safest investments but at the same time real estate investments also have got some significant advantages over the bonds. One of the best features of real estate investments is the growth of dividend and appreciation of the asset value with time. The new house price index for Calgary is showing a steady rise since 2008 whereas the resale market conditions were not so smooth but however, showed peak positive results in 2007. Looking on to the current trends of market conditions, the Calgary realtors say that they are experiencing a decline every year which is about 1.6% from the year of 2008. Also the single family home prices dropped up to 44%. But there was a considerable rise in the sales of high end houses for sale in Calgary.

Generally low employment and high inflation rates are two factors that support real estate growth. Looking back the history the market, during the period of 1973-1983 there was a steep rise in home prices only because of the two factors mentioned above which Unemployment and Inflation were. However, things changed after 1983 when the unemployment rate cooled off significantly to lower rates which lead to the fall in home prices. If we take the period of 2005-2006 into consideration, a ratio of 50% sales to new listings ratio kept prices in balance. The current Calgary market conditions reports, an approximate value of 3.6% unemployment rate and an inflation rate of about 4.3% and undoubtedly, these two are spotted as the main reasons for the conservative optimism prevailing in the current Calgary real estate market.

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Costa Rica Real Estate – Economic, Political, and Social Stability

Amidst the political and social turbulence that plagues many of the Latin America countries, Costa Rica has been able to sidestep that. The economic, political and social stability of Costa Rica is one characteristic that has distinguished it through its entire contemporary history and as one of its most important strengths, has enabled it to reach great success in luring foreign investors.

Costa Rica’s government has been a stable democracy since 1949. The country’s success was recognized in 1987 when President Arias Sanchez was awarded the Nobel Peace Prize. The award was granted for the president’s high ethical standards and the image that he portrayed as a representative of the Costa Rican people. The people share in his high ethics and morals. They are recognized to be among the top educated and socially aware people in the world.

Political Stability

Costa Rica was the first country in the world to constitutionally abolish its army. Following civil war in the 1940′s, Costa Rica ended rule by armed forces and established a democratic republic. Since 1949, the Costa Rican government has been a stable democracy that is governed by a strong, democratic constitution. Even before the current democracy was established, the Costa Rican government stemmed from a political tradition of rule by the majority. Its government has also been able to work towards pacification and successfully avoid the widespread violence that occurs throughout most of Latin America. Costa Rica is one of the most stable governments in the region.

Economic Stability

For the past twenty years, Costa Rica has not experienced any economic crisis. For a developing country, that is a great accomplishment. Poverty has been reduced from 40 percent of the population to below 20 percent of the population, which is over a 50 percent reduction. The average economic growth rate of the country is approximately 2.5 percent each year. Costa Rica has increased their participation in world trade as well. Exports rose from 30 percent of the GDP in 1980 to 50 percent in 2000. The increase in trade has led to an expansion of the economy and greatly reduced the economy’s vulnerability to financial crisis. As the Central American Free Trade Agreement (CAFTA) was implemented, Costa Rica was further integrated into the world economy and economic stability was further established.

With a $1.9-billion-a-year tourism industry, Costa Rica stands as the most visited nation in the Central American region. Most of the tourists come from the U.S. (54%) which translates into a relatively high expenditure per tourist of $1000 per trip. In 2005, tourism contributed with 8.1% of the country┬┤s GNP and represented 13.3% of direct and indirect employment. Ecotourism is extremely popular with the many tourists visiting the extensive national parks and protected areas around the country. Costa Rica was a pioneer in this type of tourism and the country is recognized as one of the few with real ecotourism. The protection of the environment has also become a top priority to Costa Ricans and their government.

Social Stability

As Costa Rica has succeeded in implementing political and economic stability, many of the country’s policies focus on social stability. Economic and political policies have helped to ensure that the basic needs of the people are being met and the standard of living is continually improving. The Costa Rican people are well-educated and nearly the whole population is literate. The literacy rate in Costa Rica is of 96% (CIA World Factbook, February 2007). Elementary and high schools are found throughout the country in practically every community. Universal public education is guaranteed in the Constitution. Primary education is obligatory, and both preschool and high school are free. There are both state and private universities.

According to the United Nations Study conducted in 1980s, Costa Rica’s medical system was first in Latin America and ranked near the United States and Canada among the 20 best in the world. There is access to clean water and health services and the life expectancy rate is high. The World Health Report (1995) placed Costa Rica third in life expectancy in the world. All of Costa Rica’s social indicators are among the best in Latin America.

All of the achievements that the Costa Rican government has made in the past 50 years have led to political, economic, and social stability. It is no reason why Costa Rica Real Estate Investments are increasing at an alarming rate each year. According to the U.S. Embassy’s website, over 20,000 private American citizens reside in the country. While property prices still remain extremely reasonable, the great attraction to Costa Rica, on all levels, is raising property prices and many investors are enjoying double-digit appreciation annually.

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