Monica Kochelee Method and Madness
 
Monica’s opinions on the world around her. Politics, news, business, environment and family!

Humanitarians Visions

March 11, 2012
by Monica

The current trend of vision for humanitarians is by far one of the best trends that I’ve heard of in quite some time. There seems to be a growing number of eye wear businesses that are offering all types of glasses at a more affordable price then in the past as well as donating a pair of glasses to people all over the world who can’t afford their own because of poverty limitations.

Warby Parker is one such humanitarian and I wanted to take advantage of my blog to try and promote this company. You can check out more about Warby Parker and his business at Warbyparker.com and see for yourself what you can not only do for yourself but for someone in much dire need as well. The prescription glasses that you can order from them are only $95 with free shipping. You can go on their website and use their virtual eye glass try on feature and see if there is something there that you just can’t live without.

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Fashion Statements

March 6, 2012
by Monica

I think that jewelry adds a finishing touch to an outfit.  Part of the jewelry that I like to use includes a nice watch.  I like to be able to tell what time it is no matter where I am, or what I’m wearing, and I hate to wear a bulky cell phone around my waist, especially when I’m “dressing up” to go out to a nice dinner.

That being said, I don’t like to spend a lot of money on expensive jewelry.  I much prefer buying costume jewelry and replica watches.  My budget simply does not allow for expensive luxuries like that.  But just because my budget doesn’t allow for the “real deal” doesn’t mean that I should dress like a pauper!  I think replica watches are great because they look so much like the expensive “big name” watch, but they cost so much less money.

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A Good Californian Lemon Law Attorney

February 25, 2012
by Monica

It’s god to know that there are California Lemon Law attorneys out there to help people like my brother-in-law who have been taken for a chunk of change on a vehicle and have no other recourse than looking for California Lemon law lawyers for assistance. It hasn’t been a very good year for he and my kid sister and it’s only the end of February for heaven’s sake.

They have only just packed up and relocated out west when he was in a car accident that has left him unable to work, so lil sis is working and doing double duty trying to keep their heads above water. With their newly received tax refund check that they were so anxious and happy to receive, they purchased a vehicle, used but new to them, and they were thrilled. The thrill abruptly came to a halt the very next day when the card up and died right then and there in their drive way.

Long story short, lil sis Googled “Lemon Law attorneys in California” and found a good lemon law attorney.  Now let the games begin and let the best man win. And that man is married to my sis, bless his heart.

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CSI was really creative with identity theft

February 17, 2012
by Monica

Last night I was watching an episode of CSI and the subject running through the show was about identity theft. Seems that the primary victim of the murder being investigated was also a victim of identity theft. His murder was directly related to that identity theft, which was bad enough, but the big twist was that the guy who had stolen his identity was masquerading as an expert in preventing identity theft, and ran a business that was claiming to stop identity theft, but the company was actually stealing identities. And Ryan, of course, had just signed on to that company’s program and became a victim of identity theft himself.

One thing that I learned from the show was that on the magnetic strip on a credit card the name of the cardholder is on there a bunch of times. Although the show had a lot of gruesome moments, I did find it very interesting.

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Catch 22

January 31, 2012
by Monica

When we moved five years ago, we listed our house in New England for sale. The house is in a great location, a popular tourist area. We had no reason to believe that it would not sell quickly. So, we listed it for sale with a well-known real estate agent, expecting the offers to simply pour in. She told us that the house was worth twice what we thought it was worth, and she convinced us to list it at a high price.

So, we signed a one-year exclusive contract with her, and sat back and waited for the hundreds of buyers to come pouring through the door and waging a bidding war! Little did we know that the only thing that the real estate agent would do to sell our home was to give our papers to her secretary to have it posted on the MLS and their website.

In the year that the house was listed with her, the house was shown only three times. Having anticipated a quick sale, we bought another house, which we are currently living in now. Then my hubby was in a bad car accident last fall, which left him unable to work, and no money is coming in yet from the insurance settlement. Mainly because we haven’t gone into settlement yet, my hubby is still going through medical treatments and procedures.

So, long story short, we have run out of money to pay the mortgage on the house in New England. I sent a letter to the mortgage company for that house, requesting special hardship forbearance. I explained the circumstances that the house was for sale, my hubby was injured, that we could make up the payments when the house sold or my hubby went back to work.

The mortgage company denied our request, saying the reason for the denial was that we did not make enough money to pay the mortgage! Talk about a Catch-22! That’s why I sent them the hardship forbearance request!
What is even more upsetting about the denial is that this particular mortgage company is “the one” that has been in the news almost every week, in stories about how hard they are trying to help their customers avoid losing their houses!

So, we have stopped making payments on that house, and are hoping that an offer comes in from a buyer before the mortgage company forecloses on it. I was really hoping to avoid foreclosure because we have had excellent credit our whole lives, and the foreclosure will mark us with bad credit ratings for seven years, which will make our lives a lot more difficult.

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