Nowadays, shopping online is a very common thing. Making your purchases without leaving your house is an attractive option for many of us. Purchasing items over internet using your credit card can be quite an unpleasant experience if you don't make sure your payments are safe. Although many people consider that using a credit card for online transactions is not safe, they continue using this method but with increased caution measures. The greatest risk we expose ourselves to when shopping online is identity theft. But this is not only risk, and various studies reveal that people have also other concerns like: personal information will be sold to third parties, unauthorized recurring transactions, not receiving ordered products or even higher prices than advertised prices.

Many people think that shopping online is risky, but risk is not greater than others. Taking few precaution measures is best thing to do unless you want to quite shopping online. First of all, we should not shop from unknown websites. Always look for companies you know or ask someone to recommend you a site or a company that he/she uses. Still, if you're not sure of vendor's identity try to find his address and phone number and check them. Also check refund and return policies of company in case they don't ship you right products or you're not satisfied with their quality. Another thing to be careful about is browser that you're using, it has to be a secured browser. A secured browser should include Secure Sockets Layer that scramble information you are sending over internet, making transaction more secure. You can easily recognize a secured web site, because when you're filling in online orders or applications a closed padlock sign should appear at bottom of screen. Another way to make sure that web site is secure is to check URL; if it begins with "https" it means transaction is secure because "s" stands for secure.

While best opportunities (typically in Florida, Southern California and select destination markets) are still attractive, developers in smaller markets are finding condos much more difficult to finance in recent months.

The reality is that many of lenders expressing concern over current state of affairs in condo market are lenders that have been least active and have less knowledge about asset class. Lenders familiar with condo market are not as concerned about opinions of their peers, but rather with fundamentals of projects and sponsors they underwrite.

Projects that demonstrate that they underwrite according to following guidelines should be able to find financing even with caution currently being expressed by some in lending community: