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Wilmington NC real estate

Blog about Wilmington NC real estate

By Baker, Wayne & Associates | Broker in Wilmington, NC
  • IDENTITY THEFT: Protect your identity and your credit

    Posted Under: General Area in Wilmington, Crime & Safety in Wilmington, Credit Score in Wilmington  |  July 9, 2014 8:53 AM  |  109 views  |  No comments
    www.WilmingtonNC-realestate.com

    As the information super-highway expands, thieves have more and more opportunities to steal your financial identity. The Federal Trade Commission reports that as many as half a million Americans have their identities stolen annually--costing them money and affecting their credit ratings.
    Identity thieves make their money by co-opting your name, Social Security number, credit card number, or other piece of your personal information for their own use. Below are just a few of the ways the identity thieves operate, according to the FTC:
    • They open a new credit card account, using your name, date of birth, and Social Security number. When they use the credit card and don't pay the bills, the delinquent account is reported on your credit report.
    • They call your credit card issuer and, pretending to be you, change the mailing address on your credit card account. Then, your imposter runs up charges on your account. Because your bills are being sent to the new address, you may not immediately realize there's a problem.
    • They establish cellular phone service in your name.
    • They open a bank account in your name and write bad checks on that account.
    Fortunately, there are a number of ways you can protect yourself from identity theft, as follows:
    • Know who you're talking to. Before you reveal any personally identifying information, find out how it will be used and whether it will be shared with others.
    • Pay attention to your billing cycles. Follow up with creditors if your bills don't arrive on time. A missing credit-card bill could mean an identity thief has taken over your credit-card account and changed your billing address to cover his tracks.
    • Guard your mail from theft. Deposit outgoing mail in post-office collection boxes or at your local post office, not in your own mailbox for your carrier to pick up.
    • Put passwords on your credit card, bank and phone accounts. Avoid using easily available information such as your mother's maiden name, your birth date or your phone number.
    • Minimize the identification information and the number of cards you carry to what you'll actually need. Don't carry your social security card-memorize the number and store the card in a secure place.
    • Do not give out personal information on the phone, through the mail or over the Internet unless you have initiated the contact and know who you're dealing with.
    • Keep items with personal information in a safe place. To thwart an identity thief who may pick through your trash to capture your personal information, tear or shred your charge receipts, copies of credit applications, and other financial statements.
    For more tips and information, visit the FTC's website at www.ftc.gov/idtheft.


  • Cyber Security.... Should You Know How To Protect Your Information?...Free Awareness Seminar

    Posted Under: Quality of Life in Wilmington, Crime & Safety in Wilmington, In My Neighborhood in Wilmington  |  October 9, 2013 9:38 AM  |  255 views  |  No comments


    October is National Cyber Security Awareness Month.   Please join CFCC’s INAUGURAL Cyber Security Awareness Day on October 17, 2013 at CFCC’s Downtown Campus in the Union Station: Windell Daniels Hall room U-508.

    With 7 speakers and a Cyber Security clinic, this event is free and open to CFCC Faculty, Staff, Students and the community.  You are invited to attend a day full of eye opening sessions!  Faculty are encouraged to bring their classes to the event!

    The Cyber Security clinic invites you to bring your laptop (please no desktops) to have a security evaluation performed.  Students of CFCC’s Computer Engineering Technologies and Computer Information Technologies program will be available to assist.   Everyone is invited, so bring a friend.


    Cyber Security Day 2013 Flyer

    Agenda:

    9:00 am – Welcome and Opening Remarks ….. Dr. Amanda Lee, Vice President for Instruction

    9:20 am – Session 1: Are You Protected?….. Mark Grover & Garrett Baltezegar, CFCC Instructors

    10:15 am – Break

    10:30 am – Session 2: Topics in Information Security – Keynote ….. Zachary Mitcham, UNCW CISO

    11:30 am – Q & A Session….. Zachary Mitcham and Mark Grover

    12:00 pm – Break

    Afternoon Break-out Sessions

    Cyber Security Track

    Personal Safety Track

    1:00 pmSession 3A: Mobile Device Security – Greg Vandergriff, CFCC InstructorSession 3B: Personal Safety – Adam Gaweda, CFCC Instructor
    1:30 pmSession 4A: CFCC Campus Cyber Security – Jakim Friant, CFCC Director IT ServicesSession 4B: Campus Safety and Security – Dan Wilcox, CFCC Campus Police Chief

    2:00 pm – Cyber Security Clinic ….. CFCC Security Students and Instructors

    4:00 pm – Closing Remarks ….. CFCC Security Instructors

  • INVENTORY: How Do You Prove You Had It When You Don't Have It Anymore?

    Posted Under: General Area in Wilmington, Crime & Safety in Wilmington, Home Insurance in Wilmington  |  August 20, 2012 8:54 AM  |  446 views  |  No comments
    Being prepared -  There are lots of ways you could lose some or all of your possessions--flood, fire or other natural disaster, moving, burglary. In attempting to recover your losses, having a comprehensive inventory on hand could be worth many thousands of dollars.

    Here are some suggestions for compiling and storing a household inventory.

    • Ask your insurance company for a room-by-room form to help you make your inventory or use a computer software program designed for the same purpose.
    • Do your counting while you're in the process of spring or fall cleaning--or as you move from one home to another.
    • Work in small doses, one room at a time.
    • Be as specific as possible in your listing. Note the date of purchase and the purchase price. Describe the item in detail, including serial number.
    • Some items increase in value over time. Be sure to get updated appraisals on antiques, jewelry and other valuables periodically.
    • If you've kept purchase receipts--always a good idea, especially for big-ticket items--keep them with your inventory.
    • To supplement your description, make photographs or a video of your things.
    • Update your inventory at least annually and when you purchase more-expensive items.
    • Make a copy of your inventory, keeping one at home and placing the other one in a safe place elsewhere--perhaps in a safe deposit box or with a relative.

    TIPS
    Check with your insurance company about getting replacement-cost coverage if you don't already have it. Rather than giving you the depreciated value of a lost or damaged item, for a slightly higher premium replacement-cost coverage will give you the full amount necessary to buy a similar new item at current prices.

    Also, note the limits on your policy for various types of items. If, for example, you own jewelry worth in excess of the policy's limit for jewelry, talk with your agent about picking up a rider policy to cover the full worth.


    For more homeowner advice and to search all Wilmington NC real estate please visit www.cbbaker.com.
  • IDENTITY THEFT: Protect your identity and your credit | Be Proactive

    Posted Under: General Area in Wilmington, Quality of Life in Wilmington, Crime & Safety in Wilmington  |  February 8, 2012 12:36 PM  |  617 views  |  2 comments
    As the information super-highway expands, thieves have more and more opportunities to steal your financial identity. The Federal Trade Commission reports that as many as half a million Americans have their identities stolen annually--costing them money and affecting their credit ratings.
    Identity thieves make their money by co-opting your name, Social Security number, credit card number, or other piece of your personal information for their own use. Below are just a few of the ways the identity thieves operate, according to the FTC:
    • They open a new credit card account, using your name, date of birth, and Social Security number. When they use the credit card and don't pay the bills, the delinquent account is reported on your credit report.
    • They call your credit card issuer and, pretending to be you, change the mailing address on your credit card account. Then, your imposter runs up charges on your account. Because your bills are being sent to the new address, you may not immediately realize there's a problem.
    • They establish cellular phone service in your name.
    • They open a bank account in your name and write bad checks on that account.
    Fortunately, there are a number of ways you can protect yourself from identity theft, as follows:
    • Know who you're talking to. Before you reveal any personally identifying information, find out how it will be used and whether it will be shared with others.
    • Pay attention to your billing cycles. Follow up with creditors if your bills don't arrive on time. A missing credit-card bill could mean an identity thief has taken over your credit-card account and changed your billing address to cover his tracks.
    • Guard your mail from theft. Deposit outgoing mail in post-office collection boxes or at your local post office, not in your own mailbox for your carrier to pick up.
    • Put passwords on your credit card, bank and phone accounts. Avoid using easily available information such as your mother's maiden name, your birth date or your phone number.
    • Minimize the identification information and the number of cards you carry to what you'll actually need. Don't carry your social security card-memorize the number and store the card in a secure place.
    • Do not give out personal information on the phone, through the mail or over the Internet unless you have initiated the contact and know who you're dealing with.
    • Keep items with personal information in a safe place. To thwart an identity thief who may pick through your trash to capture your personal information, tear or shred your charge receipts, copies of credit applications, and other financial statements.
    For more tips and information, visit the FTC's website at www.ftc.gov/idtheft.
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