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~ A California Girl living in Montana

Ask Ms Mandi

Monthly Archives: February 2013

A Memoir: A Riverside County Housewife

24 Sunday Feb 2013

Posted by Ask Ms Mandi in Just a PERFECT Thought

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Tags

Bravo, Literary Agents, Reality Shows, Women, Writers

The day of a Riverside County Housewife:

Good Morning

Alarm clock goes off at 7am.  Drag myself into the kitchen for a cup of coffee with cream and sugar. Make breakfast for my girls and take them to school.  Work out. Get into the shower. Turn on computer and write.  Write.  Write. Get another cup of coffee with cream and sugar.  Write.  Write.  Pick up girls from school.  Help them with homework.  Write.  Make dinner. Kiss everyone goodnight. Get into bed. Read the bible and pray for a break. 

Goodnight.

Written By:  Ask Ms Mandi

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Wearing Many Hats

20 Wednesday Feb 2013

Posted by Ask Ms Mandi in Just a PERFECT Thought

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Tags

Accountant, Business, Jobs, Mom, Opportunity, Real Estate, Teaching, Unemployment, Writer

Wearing Many Hats:

In today’s world and economy, we can’t get by with just one task. We must wear many hats. It used to be that you could go to college and get your degree…..you were set for life. The more education meant the better paying jobs.

Sadly, it isn’t like that today. Sometimes having more education can be a handicap to getting that perfect job. Employers would rather pay someone less money and with less of an education than the graduate student with years of work experience.

What to do? Put on as many hats that will fit on top of your head. I personally wear an abundance of hats….I’m a mom, a writer, an accountant, studying real estate, managing my website, substitute teaching, and looking for a full-time job. Seven hats. It’s exhausting.

That is what we have to do to make it. Who knows what can happen…so many prospects and so many chances of opportunity. So, don’t cut yourself short…one opportunity has to come through, right?

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Written By: Ask Ms Mandi

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Excerpt from Manuscript – Julian’s Voice: A Ruby in the Rough

16 Saturday Feb 2013

Posted by Ask Ms Mandi in Excerpt from Manuscript - Julian's Voice

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Christians, Faith, Fiction, Hope, Literary Agents, Love, Publishers, Twitter, Writers

Julian’s Voice: A Ruby in the Rough

Jewels decided to write. She found her sheet music, where she had left it, under her pillow on her bed. She read the song she had started composing before her trip to Hawaii. It now seemed so juvenile and superficial to her. Ripping it up, she threw it into her trashcan, of course she missed the can, leaving the crumpled up paper on the ground. She instantly sensed her mother’s presence again.

“Oh Mama. Why did you have to leave me here all alone and without you?”

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Written By: Ask Ms Mandi

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Fighting Back – Mortgage Companies vs. Homeowners

12 Tuesday Feb 2013

Posted by Ask Ms Mandi in Financial Weblinks

≈ 8 Comments

Tags

Attorney General, Disclosures, Families, Foreclosures, Homeowners, Homes, Law, Mortgage Banks, Sub-prime

Fighting Back – Mortgage Companies vs. Homeowners:

There is a new California Homeowner Bill of Rights Law that was passed in January 2013 by California Attorney General Kamala Harris:

1. Restriction on Dual Track Foreclosures:

Homeowners that are in the process of loan modifications will have the foreclosure process paused, while the banks are reviewing the loans for the modification.

2. Guaranteed Single Point of Contact

Homeowners are promised a single point of contact during the foreclosure / modifying process. I can say that this has not been our case. Each time we seem to be getting somewhere positive, they change the point of contact on us.

3. Verification of Documents

There is a $7,500 penalty assessed to the mortgage banks if loan documents are not verified. This too has not been our case. Our original loan document had no income verification and unknown assets on the balance sheet. Maybe this only applies to the new loan modifications, but I think they should go back and verify the existing loan documents as well, since this is where the problem originated.

4. Enforceablity

Borrowers will have ability to seek redress of material violations of the new foreclosure process protections. injunctive relief is available prior to foreclosure. This also includes recovery of damages available following the sale.

5. Tools to Prosecute Mortgage Fraud

This has been extended to 1-3 years. Mortgage fraud will be reported to Attorney General

6. Tenant Rights

This gives tenants 90 days before the eviction process, once foreclosure owners purchases the property. 18 billion dollars have been authorized to the top five largest banks for California borrowers.

7. Tools to Curb Blight

Foreclosure owners are ordered to pay for upkeep to foreclosed property to keep the curb appeal for other, nearby homeowners.

More information, go to the website at the State of California Department of Justice Office of the Attorney General:
https://www.oag.ca.gov/hbor

Written By: Ask Ms Mandi

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