Inspired Tuna

The greatest danger for most of us is not that our aim is too high and we miss, but it is too low and reach it. -- Michelangelo

This past weekend I had the honor and pleasure of watching several of my Coldwell Banker Sea Coast Realty colleagues (pictured above) participate in the Wilmington YMCA Triathlon. Participants swam 1.5 kilometers, then biked 20 kilometers and finished with a 5k run. All summer long, these athletes have been training. I photographed most of them along the course and was witness to their dedication. It was not a surprise to me though, as I see the same dedication in the way they approach their daily real estate business. These are people you want as your advocate because they have trained for the business of representing their clients and they are prepared for the task. It's my privilege to have them as my colleagues.

I'm not sure where their inspiration will lead me, but I know that I am a better person for having their friendship. I've thought about their amazing accomplishments all week.

I did not participate in the triathlon, but I do have the training and dedication to go the distance for you in your real estate transactions. Visit me at my website http://www.russmay.com/, friend me on Facebook www.facebook.com/russmay or contact me the old fashioned way -- by phone at (910) 619-1501.

Who inspires you? Who do you inspire? Aim high. Scoot on.

Tuna Surprise

Bart Simpson: I am through with working. Working is for chumps.
Homer: Son, I'm proud of you. I was twice your age when I figured that out.

There's a company called Predicto http://www.predicto.com/ that's figured out that working is for chumps. They have a way to make money by taking it from working chumps . . . you and me. They can take your money from right in front of your nose and you may never realize it.

Here's how it worked with me. Apparently, my wife received a text message on her wireless phone from 654654. Although she did not ask for this message, she did not respond to this message and she probably ignored the message, because she RECEIVED this message, she was automatically subscribed to a service that bills $9.99 per month on my Verizon wireless account. Now, my wireless phone bill has 77 lines of charges, credits, discounts, surcharges, taxes, etc., so it's pretty easy to miss one line item. Who among us understands how our $129 wireless package winds up costing $165?

When I saw the $9.99 charge last month on my bill, I went to the Verizon store to inquire about it. I was told that my wife had SENT a text to some premium service -- like texting a vote for your favorite performer on a TV contest show. I was skeptical, but I did not have my wife or her phone with me, so I accepted the charge, but asked how I could prevent future charges. A very helpful Verizon rep checked her computer records, found a telephone number and talked to a Predicto rep who refused to cancel the service without talking directly to the account holder -- me. So, I took the phone, politely explained that I did not want to continue the service and that I wanted to cancel my account. The Predicto rep told me that by maintaining the account, I would be eligible for contest prizes. I told her again that I wanted to cancel the account. As a matter of fact, I told her more than a dozen times that I wanted to cancel the account, until my polite self was exhausted and replaced by a less kinder and gentler persona. By the end of my phone conversation, I noticed that the store rep had retreated to what she considered a safe distance from me. I think she was wondering where she left her pepper spray. However, the Predicto rep had finally agreed to cancel the account.

Upon checking my most recent wireless bill, there was the charge again. This time, I called Verizon's customer service. I had determined that my wife had NOT sent the text, so I figured that I was being slammed. The customer service rep told me that my wife had actually RECEIVED a text from 654654. While still on the phone with Verizon, I Googled "text 654654". The results were overwhelming and all negative.

The Verizon rep told me that, to cancel the service, I HAD TO SEND A TEXT TO 654654 with the word "STOP" and then have Verizon put a block on my account so that I cannot receive or send premium text messages. The rep offered to credit the most recent charge. However, he also told me that the charges had begun three month ago. I simply had not caught them. I'm still trying to get Verizon to credit ALL of these charges, but here's the best part of the story.

After the telephone conversation, I went to the local Verizon store to pay my bill. Thinking that I had discovered some new scam, I told a different store rep my story. She said, "Yes, I know. We see it all the time." So here's the deal: VERIZON AND ALL THE OTHER WIRELESS PROVIDERS KNOW THAT PREDICTO IS SLAMMING THEIR CUSTOMERS. Predicto's charges appear on your wireless bill tucked in with TXT/PIX-FLIX, Megabyte Usage and dozens of other line items.

For a sampling of what others have to say about Predicto, click HERE. And then, my friends, check your wireless phone bill.

What's this have to do with Wilmington NC real estate? Nada, but I hope it's helpful.

Scoot on. Don't be a chump.

School o' Tuna

You can only be young once. But you can always be immature. - Dave Barry

School starts this week. That means school buses and that means that I'm always confused as to when to stop and when it's OK to pass.

A little Googling led me to the following site
http://www.nccrimecontrol.org/safebus/rules.html

to get the rules shown below.

In North Carolina, passing a stopped school bus while it is loading or unloading students carries a fine of up to $200, five driver's license points, and possibly 90 days in jail. A conviction usually means a 90% increase in a driver's insurance rates.

With respect to real estate, remember that there are only three more months left to take advantage of the $8,000 first time home buyer's credit. If you have questions about the credit or the Wilmington NC real estate market, call (910-619-1501) or e-mail.

Scoot . . . safely.

Tuna Briefs

The first rule of underpants is: Do not talk about underpants. – www.topfive.com

I woke up this morning feeling in an especially grateful mood and I thought . . . I’ll blog about gratitude. I was preparing a mental list of all the things in my life for which I am grateful when I got into an argument with my wife about underpants, which, as the saying goes, got my panties in a bunch.

So, gratitude’s out. I’m going with underpants.

Now, I’m sure that there are people who’ve had an argument about underpants, as in your wife finds a pair (not hers) in your glove compartment. Not me. I’m just saying . . .

No, for me it was an answer to a simple question that got the ball (slight pun) rolling.

Wife: Your birthday is coming up soon. What would you like?
Me: Underpants.
Wife: No way. You have way too may pairs now and you never throw the old nasty ones away.
Me: Yeah, but . . . . . . . . . . . . . . . . . . . .

The little dots indicate the space where I was trying to make my point, but my wife was the one actually doing the talking. The question in my mind was, how did I get myself in this situation? As a Wilmington real estate broker, I analyze information, market statistics, trends, etc. and advise clients so that they can achieve goals and make informed decisions. I'd like to think I’m a smart guy and a decent problem solver. You would have thought I could have (should have) avoided the underpants argument. After all, I’ve been here before. Our discussion ended, as it always has, with a curt directive to buy my own underpants. We have similar conversations about socks.

See, the crux of the matter is that I don’t like clothes shopping. I under-like shopping for underpants. So, every once in a while, I stock up like a crazed underpants survivalist. In a digital age, my underpants are analog. My stash is disintegrating. The clothes dryer has rendered most of the elastic bands the consistency of dead leaves. The fabric has the ripped look of designer jeans. Moths are appalled that I blame my briefs demise on them. It’s time to clean house.

Once, years ago in my youth, I mistakenly dried a load of laundry at a laundromat for an hour and a half. The results were tiny potato chip brittle underpants, sized to fit Barbie’s boyfriend, but he wouldn’t have been able to sit down.

So, faced with the choice of duct taping my briefs to my belly or going s-s-shopping, I guess shopping is slightly less painful than tearing off the duct tape at the end of the day.

Here's a thought for you first time home buyers. The government is offering an $8,000 tax credit as an incentive to purchase a home. You can buy a lot of underpants for eight grand.

Scoot on.

Tuna Speak

Me fail English? That's unpossible. - Ralph Wiggum (The Simpsons)

I've gone on this mini-rant before, so please forgive me for repeating myself, but I continue to be perplexed that the general public, as well as many of my colleagues, cannot properly pronounce what we do for a living. We're REALTORS, two syllables; not REAL-A-TORS. Nobody calls a doctor a DOC-A-TOR or a plumber a PLUM-A-BER. What's the prob-a-lem here?

Our training director stopped using the phrase "sphere of influence" in her classes and, instead, uses the phrase "center of influence" to describe the group of people upon whom we have some influence just because they know us. Why the change? Too many people were saying "spear of influence." Things might go a little smoother for me sometimes if I DID have a "spear of influence."

Me: Are you ready to list your home with me?
Homeowner: I'll have to think about it.
Me: How about I poke you with my spear of influence. Say hello to my little friend.
Homeowner: Where do I sign?

In addition, I've noticed some language manglers advertise a house for "sell", while other are "saling" a house. Sell. Sale. It's not that confusing. How about "sailing" a house? Carl did it in the movie UP. Our print and e-mail communications make a statement about us. I think sometimes our grammatical/spelling zipper is down, but we don't seem to notice.

OK, now to some info you can use. As in all occupations, real estate agents and mortgage lenders have their own vernacular. Here are three terms that are used when describing a buyer's loan qualification.

Prequalification - full verbal loan application, credit check, "approve" received through Automated Underwriting.

Preapproval - All of the above PLUS receipt of income documentation (pay stubs & W2's or tax returns) and proof of assets needed for down payment. Review of any unusual circumstances with underwriter.

Loan Commitment - All of the above PLUS signatures on all applications and disclosures, appraisal received and approved, title insurance, rate locked, underwriter review and approval of all documentation.

If you have questions on loan programs, interest rates, closing costs, etc., please contact Grace Bass at Alpha Mortgage grace.bass@alphamortgage.com

And, as always, if you have questions about the Wilmington Real Estate market, please feel free to contact me at any time.

Stupid Tuna Tricks

Homer Simpson: My ears are burning.
Lisa: I wasn't talking about you, Dad.
Homer: No, my ears are really burning. I wanted to see inside, so I lit a Q-tip.

Yesterday, I sat through a few hours of District Court. I was there as a witness to a hit and run traffic accident, but the court involved traffic violations, some breaking and entering, a little drug possession . . . Homer wasn't there, but some of his real life counterparts were.

Now, maybe I'm out of touch, not having any experience with going to court, but I'm pretty sure that you might want to strive for a better chance of making a good impression on the court than the guy who showed up wearing camo baggy shorts, flip-flops and an I "heart" Party Girls T-shirt; however, that pretty much summed up the dress code on the public side of the fence. Here are some of my favorite moments from my morning (with only a little embellishment).

Judge: Mr. Jones, you're here today because you were cited for driving while your license was revoked. And, you're late. Why were you late?
Jones: Well, there was a lot of traffic and I had to drive real slow.
Judge: You were driving?
Jones: Yeah. . . . . . Oh!

Now the funny part isn't that Jones got tripped up by admitting to driving to court on a revoked/suspended license. It was the four people after him, charged with the same offense, who answered the same way. Pay attention people!

Judge: Mr. Smith, you were not here when we called your name. You were supposed to be here at 9:00. Why were you late?
Smith: I wasn't late your honor. I was here at 5 after 9:00.
Judge: 5 after 9:00 is not 9:00. And, by the way, we did not call the roll until 9:30.
Smith: Huh?

Judge: Ma'am, are you Mary Brown?
Brown: (wearing blinking blue-tooth earpiece): No, that's my daughter.
Judge: Why isn't your daughter here in court?
Brown: Her grandmother is having a colonoscopy.
Judge: Your daughter's grandmother? Would that be your mother?
Brown: Uh-Huh.
Judge: Ms. Brown, let me explain how this works. When your daughter is supposed to be in court, she can't send in a substitute. It's court, not basketball. I'll be issuing a warrant for her arrest.

A man is brought in wearing a jail uniform. He has added to his impressive resume of drug possession, stolen goods sales and larceny with some new charges. The judge tells him that he is sentenced to 60 months in the Department of Correction and that he should seek substance abuse assistance in the slammer. He insists that he has changed his ways and cleaned up his act. In fact, he says, he is going to start a new job tomorrow. He's going to be late for work.

I know it's not right to make fun of people, but you can't make this stuff up. People make poor decisions, won't take responsibility for their actions and seem genuinely surprised when the judge doesn't believe their outrageous excuses. My only regret is that I did not know how to tweet from my phone. I'll learn and I'm going back for more. Next time, I'll take a sandwich.

OK, none of this has anything to do with Wilmington Real Estate, but if I say Wilmington Real Estate enough times and link it to my website, it'll help in the Google searches.

Use sunscreen. Scoot on.

Taking Your Tuna For Granted

Lisa, Vampires are make-believe, like elves, gremlins and Eskimos. -- Homer Simpson

The current issue of Coastal Living magazine has a feature article titled Coastal Dream Towns. The article starts off by saying that they found the best places to live at the shore (I grew up in New Jersey, so I know the shore means the beach).

Coastal Living's pick for the Southeast? You guessed it -- Wilmington, which the article describes as a cultural gem. The magazine cites the following "allure factors" -- a symphony, theater groups, plenty of live-music clubs, and festivals, celebrating jazz, blues, and film. It says that the downtown Riverwalk is a model of adaptive reuse, with shops and restaurants bringing a faded commercial district back to life. I've been here since 1984 and lived in the Historic District for over 19 years; the "fade" has been gone for quite some time!

Here is another tidbit from the same article. It says that Wilmington will soon be home to the world's third-largest sound-stage. The EUE/Screen Gems facility, under construction, incorporates the largest water tank (for filming underwater scenes) outside of California.

So, the next time that you and the rest of the school of tuna are slowly swimming up Military Cutoff Road, remember, you're living in a cultural gem.

Wanna live at the beach? Sleep with the fishes? (no, wait, that's New Jersey talk). Looking for a great deal in the Wilmington real estate market? E-mail or call me. Our market has really come alive this Spring. Great inventory, great prices and great interest rates -- a real estate hat trick!

Scoot

If you don't know where you're going, you'll wind up somewhere else. -- Yogi Berra

This coming weekend you could wind up in an REALTOR open house because it's the Coldwell Banker Sea Coast Realty Open House Spectacular. As of today (Tuesday), Sea Coast agents plan to host 132 open houses. For the locations and times, click HERE.

This coming Saturday afternoon (1-4) you'll find me at 409 Knollwood Drive in the Cross Creek neighborhood in Hampstead. Sunday (1-4), I'll be in town in Devon Park at 3729 Winston Boulevard. If you have questions about these or any other properties, please contact me.

For the most current and comprehensive source of Wilmington, NC properties for sale, check out SearchWilmingtoAreaHomes.com

Don't forget, if you are a first time home buyer or have not owned a home in the past three years, you are eligible for an $8,000 tax credit courtesy of your Uncle Sam. Even if you don't qualify for this credit because you owned another home, you can still take advantage of the fantastic mortgage interest rates.

For more information about Wilmington, including helpful links to area information go to RussMay.com

And finally, if you're a USAA member, you may be entitled to a cash bonus when you purchase your next home through me. Contact me for details at russ@russmay.com or (910) 619-1501.