Photo taken in the Intracoastal Waterway Wrightsville Beach NC by Ginger Sala Wilmington NC Real Estate & Relocation Specialist serving the beautiful Coastal NC areas of Wilmington , Hampstead, Wrightsville Beach, Carolina & Kure Beach & Leland NC.
Coast Home to North Carolina!
Copyright © 2009 All rights reserved. Photos may not be reproduced in any medium without obtaining prior permission. Suitable uses will be considered.
Be careful out there in Twitterspace!!! It’s a jungle out there where “Survival of the Fittest” rules.
Just finished checking my Twitter Account and found I had 2 Direct Messages waiting for me. What could these be??? I excitedly went to check it out.
One was from an old friend on AR the other was from a new Twitter acquaintance, also an AR member. (Names omitted to protect the innocent)
The First Tweet said: "Hey look at this funny blog!" Getting ready to be tickled by a good laugh, I excitedly clicked the Link:
http://rosalierebyb.bl
(link altered to protect you)
No funny blog came up, but a serious message:
:
My Firefox Browser had blocked this site from automatically opening.
Why was this site blocked????
Because Firefox recognized it as a reported as a WEB FORGERY, Phishing or Malwares site.
At this point I get really suspicious because the second Tweet also had the same link! I thought I don't think my AR friend or this other "Tweeter", whom I don't even know would be sending me a Direct Message link, those are usually reserved for something important or private, I suspect somehow their accounts were compromised?
If you are not totally familiar with these dangers, please take the time to READ MORE about these threats, and how the Firefox Browser can protect you from these "surfing accidents!"
Also for SUPER protection for your PC get yourself a TOP Anti-Malware program such as Malwarebytes or Kaspersky.
These two programs are tried and true and attested to by Industry Techies as the best.
Warning: BE VERY CAREFUL ABOUT Your Choice of "ANTI-MALWARE", "ANTI-VIRUS" PROGRAMS YOU DOWNLOAD!!!!! Some even will try to fool you with copycat sounding names!
MANY OF THESE SO CALLED "SPYWARE" PROGRAMS ARE REALLY MALWARE IN DISGUISE!!!!!
Did you hear me??? MANY OF THESE CAN REALLY BE Rogue MALWARE IN DISGUISE!!!!
So what should you do now to do to check if you may be infected and not know it? (Even if you are currently using a legitimate anti-spyware program some are less thorough at detecting malicious infections, which can mutate and fool many applications searching for it)
Do These Few Steps for a Safer Browsing Experience:
1) Download free version of Malwarebytes from Malwarebytes.org
Run quick scan, when finished view log, if any infections select and remove
2) After any infections are removed, if you aren't using Firefox: Download Firefox Browser
3) Change ALL your passwords if infections were found. It's a good idea to change passwords on social media sites regularly.
4) Come back here and comment if any infections were found!
5) REBLOG this to get the word out!
6) NOTE: Malwarebytes anti-spyware anti-malware program was recommended to me by High Tech geeks from DELL after my former paid 50 bucks a year Spyware did not detect Malware/virus on my PC which ended up completely shutting me down. Believe me this is a nightmare you don't want to happen!!! Hours of reformatting my PC, and endless days of reinstalling everything!!! The Virus even wiped out my external hardrive!
The free version will scan for you, but for REAL TIME Protection you will need the full version which unlocks realtime protection, scheduled scanning, and scheduled updating
The full version of Malwarebytes ALSO updates itself continually to keep ahead of these Rogue virus and Malware that are constantly "mutating." Malwarebytes is known for finding infections that will escape other programs!! This has saved me a few times in the last month!
You can Download Malwarebytes full version here: this costs only a ONE TIME fee of 24.95 for a LIFETIME of protection.
Kaspersky full version is another option at 79.95 per year.
*********THIS JUST IN: Twitter Under Phishing Attack!!!!!************
LIKE I SAID IT IS A JUNGLE OUT THERE!!!! MAKE SURE YOUR PC IS WEARING ITS PROTECTIVE GEAR! AND WATCH WHERE YOU WANDER!!!
Happy & Safe Surfing Friends~
Ginger
©Ginger Sala Wilmington NC Real Estate & Relocation
Don't like rowdy new Years Eve parties? Or those costly New Year celebrations in the clubs? Feeling like staying home and commiserating about the awful year most of the country just survived???
Are there any New Year celebrations in Wilmington NC to lift your mood? How about celebrating in Church?
Join the Pillar Music Group under the direction of Joey Gore for a uplifting evening of Praise and Thanksgiving in song.
The glorious sounds of Wilmington Celebration Choir and guests will surely lift your spirits as we begin the New Year!
The FREE concert at Calvary Baptist Church Wilmington, NC begins at 8pm and features:The Wilmington Celebration Choir, Paula Greene, Joey Gore, Willing Heart, Sherry Watkins, Mike Kelly,Voice of Ruth, Marsha King, Angie Payne, Voices of Wrightsboro, Julie & Kevin Foss,and many more.
The concert will bring in the New Year and end at midnight. There will be an intermission time in the Church hall with cookies and beverages.
Calvary Baptist is Located at the Corner of Princess Place Drive and 23rd St. Just bring a caned food item for the needy. A Love offering will be taken.
Happy New Year!
Ginger & Roger
Have you all have finished your shopping and have a little time left over to spend celebrating the reason for the season? Wilmington Churches have a variety of choices now through Tuesday. Here are some of the highlights!
Sunday December 21,2008
Calvary Baptist Church
The Calvary Choir presents "Once Upon A Holy Night"
Sunday December 21st @6:30 For more information call 762-5608.
Sunset Park Baptist Church
''The Name. . .Jesus'' on Sunday, a lovely Christmas Cantata will be presented by The Chancel Choir of Sunset Park Baptist Church (231 Central Blvd) will December 21st at 6 pm. For information call 762-4486.
Rocky Point Baptist Church
Rocky Point Baptist Church (50 Porters Lane) in Rocky Point will present a cantata titled ''Emmanuel, Celebrating Heaven's Child'' on Sunday, December 21st at 6 pm. For more information call 675-2535.
Tuesday, December 23, 1008
First Presbyterian Church
First Presbyterian Church (125 South Third St) continues it's Tuesday Organ Recitals for the Season of Advent Lunch is served following the concert reservation must be made by noon on Monday preceding the concert. for more information call 762-6688.
River City Reformed Church
Harpist Nancy Brennand of the South Carolina symphony accompanied by the Wilmington Symphony String Quartet will perform at the River City Reformed Church at Historic Saint Thomas Preservation Hall (208 Dock Street) the Candlelight Christmas Service of Lessons and Carols on begins at at 6:30 pm For more information call 520-0272.
Merry Christmas to You!
Ginger Sala Wilmington NC Real Estate & Relocation Specialist
Wilmington NC Backyard Sunset by Ginger Sala Wilmington NC Real Estate & Relocation Specialist in beautiful Coastal NC. serving Wilmington, Hampstead, Wrightsville Beach, Carolina Beach, Kure Beach & Leland NC.
"Coast Home to North Carolina!"
Copyright © 2009 All rights reserved. Photos may not be reproduced in any medium without obtaining prior permission. Suitable uses will be considered.
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Wilmington NC Real Estate Relocation Specialists serving Wilmington, Hampstead, Wrightsville Beach, Kure Beach, Carolina Beach, Leland, & Surf City, "Coast Home to North Carolina with Us!"
When you team with us as you Real Estate advisors, you can count on us to treat your transaction as if it were our own. We are not interested in "selling" you, but in facilitating transactions that are rewarding to you! Our mission is to offer you our in-depth knowledge of the local markets and current trends, open communication, honest feedback, diligent work ethic, genuine caring, and joy in the journey!
BUYERS: When we work together you can depend on us to provide the same V.I.P. treatment whether you are investing a million, or purchasing a starter home, we will work diligently to find the right home for you.
SELLERS: When you list with us you reap the benefits of The Sala Team’s Complimentary Professional Home Staging® Service! Ginger is one of only a handful of Accredited Staging Professional™ Realtors in all of Southeastern NC! As seen on HGTV, the practice of Staging Homes for sale is a hot commodity in California, and helps sell homes more quickly for a higher price. And now we are offering it with every listing as a value-added service!
INVESTORS: We are on top of the market trends and We can help find you the properties that best fit your personal investment goals!
RELOCATING to our awesome Cape Fear Region? We know about that first hand since we relocated to this amazing place from the cold and snowy Northeast. We feel so blessed to call Wilmington our home, and we would truly welcome the opportunity to share with you all that we know and love about our "Little Corner of Paradise!"
Wilmington, Hampstead, Wrightsville Beach, Carolina Beach, Kure Beach, Figure Eight Island, Surf City, Ogden, Porter's Neck, Leland, New Hanover County, Pender County, Brunswick County
It is truly a blessing to live here in Coastal North Carolina! We thank God every morning for the joy of living here. We love the Cape Fear Coast and all the wonderful people who make it their home. When people ask "Where would you live if you could live anywhere in the world"?, we have only one response... our "hometown" Wilmington, NC! If you are thinking of moving here, come on down, you will love it as much as we do! And if you are living here now, then you know what we are talking about!
Thanks for visiting with us today, we look forward to talking with you! 
Wilmington Area Resources
Wilmington NC Real Estate Blogs by Ginger Sala
The $8000 Tax Credit for New Home Buyers just got better!
The U.S. Housing and Urban Development today announced that the Federal Housing Administration (FHA) will now allow home buyers to apply the $8,000 first-time * home buyer tax credit toward the purchase price/closing costs of a FHA-insured home. Housing Secretary Donovan was very hopeful that this new rule action will help to stabilize housing markets by across the country by an increase if future home sales.
New Tax Credit Rules Can Help More Buyers
Originally the American Recovery and Reinvestment Act of 2009 offered First Time Home Buyers a tax credit/refund of up to $8,000. The "old" guidelines allowed this credit to be received as a refund only after the Home Buyers filed tax returns with the IRS. The FHA's new rules allowing state Housing Finance Agencies and certain non-profits to "monetize" up to $8000 of the tax credit (which depends on the amount of the mortgage) so that borrowers can apply the funds toward their down payments.
Lower Monthly Payments Possible... Sound good?
First Time Home buyers * using FHA-approved lenders can apply the tax credit to their down payment in excess of 3.5 percent of appraised value or their closing costs, which can help achieve a lower interest rate.
Down Payment Requirements & Guidelines
Remember, Borrowers applying for an FHA-insured mortgage are still required to make a minimum 3.5 percent down payment on the purchase of their home. Current law does not permit approved lenders to monetize the tax credit to meet the required 3.5 percent minimum down payment, but, under the terms of today's announcement, lenders can now use the tax credit immediately as additional down payment, or for other closing costs, which can in effect create a lower interest rate & monthly payment. In addition to the borrower's own cash investment, FHA allows parents, employers and other governmental entities to contribute towards the down payment.
Projected Home Sales Expected to Climb with New Tax Credit
According to estimates by the National Association of Home Builders, the home buyer tax credit will stimulate 160,000 home sales, 101,000 of which will be first-time buyers who will receive the credit. Another 59,000 existing sellers will be able to buy another home because a first-time buyer purchased their home.
Buyer Beware! Scammers are on the Prowl!
Potential buyers should beware that their are all kinds of mortgage scammers out there, ready to pounce on the unsuspecting. It is crucial to consult with seasoned, respected financial services provider. The local Wilmington NC Area mortgage professionals that we recommend have the outstanding reputation, expertise, integrity & diligence, that every buyer deserves, and they are also FHA approved lenders.
Wilmington NC Homes for Sale
Are you ready to go shopping for your Wilmington NC area home with some Governments money? There are some terrific buys out there! Sellers are eager, prices are down, interests rates, according to the experts will not be going lower, and free money will only be available for a few more months!
Want to get moving??? Call us for more details & to see if you would like to team with us to help you achieve your goals! We'd love to show you what your money can buy. You just might be very surprised!
*Remember definition of first time home buyer is anyone who hasn't owned a home in the past 3 years!
©Ginger Sala, Keller Williams Realty, Wilmington NC Real Estate & Relocation Specialist: serving the Coastal North Carolina areas of Wilmington, Wrightsville Beach, Hampstead, Carolina Beach, Kure Beach, Topsail Island, Surf City & Leland. "Relocating from the cold Northeast to the sunny coast of Wilmington NC has been a dream come true for our family! We love Wilmington's beautiful beaches, outdoor lifestyle, vibrant cultural scene, friendly atmosphere, & down home, yet sophisticated environment. Wilmington NC Living truly has something for everyone!" Visit our website CoastHomeNorthCarolina.com for Wilmington NC Area Information, Wilmington NC Schools, Wilmington NC MLS listings! Click here to contact Ginger
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