you will lose 28 tokens if he accepts it. That's a big offer in my opinion this late in the season. Once you get in to the next season, scout the seller when determining the appropriate offer. For example, when you are lvl 5 in a week, you could see players from lvl 4 manager in the list. I never bother offering to those because they most likely cost him 50 tokens (scouts for him) and he will not sell. Vice versa, if the team is higher than you, the player is a * less for him and you could get him for less.