I told you I liked this title. You might not only be flapping your lips but hopefully they will be opening wide and letting out some laughter too.  I think a little political humor is apropos this morning….I mean it is Friday…the beginning of the weekend.  And what better way to get it going than with a little laughter.

My sense of humor could use a little help lately. I’m not a big fan of Colbert but I did get a few chuckles from his commentary ‘defending’ the conspiracy theorists, this crazy new-to-me group called ‘Birthers’. Heard of them? If you haven’t, you’re in for a little surprise.

Cali:  I am sorry about your comment getting pushed around. Not sure what was going on. I will just let you know that I did find your comment in ‘awaiting moderation’.  The reason it ended up there was because it had more than one url in the body of your comment. If in the future it you can just put in one url, and still accomplish what you are trying to do then it will not go into ’awaiting moderation’.  If your comment requires more than one url it will still get posted but not until I am able to get to my computer and ‘approve’ the comment.

Thanks for your patience on this and for posting a very important article for my readers. We can not say or do enough, fast enough, to get health care reform active now.

Readers: I hope that all of you are doing your part and contacting your Representatives and Senators. Thanks.

That’s all the time I have this morning. Enjoy the beginning of a fabulous weekend!

Peacin’ out…

Gratefully your blog host,

michelle

Aka BABE: Your Bad Ass Bitch Editor

For archives dated before January 17, 2008 click on my Blogroll:

or click here: “A Day in the life of…”

All content on this site are property of Michelle Moquin © copyright 2009

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As promised, I had mentioned to you that I would keep you updated about my mortgage loan modification with Wachovia / Wells Fargo Bank, should I get any news. Well I finally did get a letter from my bank offering me assistance.  I was thrilled that they finally responded.  This is what they requested that I send to them:

1. A letter detailing the hardship situation, including the expected action to address the hardship.
2. Itemization of monthly income and expenses.

So within a week I put together all that they requested,  faxed it to them, and patiently waited. A week went by and no word. Then another week went by and still no word.  I decided that it was my turn to take action, so I called them to find out what the status was and exactly what more I needed to do, if anything.

I ended up speaking to a woman who pulled up my file. She preceded to  ask me questions that were already in the information that I had sent them. After a few minutes, I asked her if she could pull up the information that I sent so that she could read it and I wouldn’t have to repeat myself. (logical right?) She did.

I gave her a few minutes to peruse my letter, when suddenly she said, ‘Oh, you’re asking for a loan modification. You do not qualify for a loan modification, because you have a second mortgage.’ Trying to compose myself, and remain calm, I said, “Well then why was this letter sent to me?” Her response was, ‘This letter was sent to you for short term help, not long term.’

She then informed me that ‘short term’ assistance meant that I could get assistance for 1-2 months in the form of a deferred payment(s).  And once again she informed me that I didn’t qualify for ‘long term’ assistance which is the loan modification that I was requesting. Trying not to be sarcastic with her, I said,’ Well it would’ve been nice if the letter your bank sent me had informed me that this was for ‘short term’ and not ‘long term’, so that I could’ve written my letter asking for the correct assistance. How was I supposed to know which division of the bank sent it to me, when they didn’t clarify?’ She didn’t have an answer for me which didn’t surprise me one bit.

So after all of that, the woman at Wachovia could not help me as my mortgage payment, that I had made that morning,  had not gone through yet which left me ‘not current’. Gee, I love how the banks want to help you out. They want to give you short term help by deferring a few payments yet they won’t even discuss the short term assistance until you are current. It seems they will think of any excuse to weed out whoever they choose and leave their clients hanging. I don’t believe that they truly want to help or they wouldn’t make it so difficult. Either that or they are just unorganized and/or stupid. You decide.

So I hung up and decided that I would call back when I knew my payment would have plenty of time to go through. Well of course, life got busy, as it does, and another week went by before I made a phone call to discuss these ‘short term’ assistance opportunities.

This time I spoke with someone who could tell me nothing, and basically had to get information from me like, ‘What is the date today?’ – Are you kidding me? – Your job is a customer service representative, and you’re asking me for the date(!) I think they hired a bunch of high schoolers on summer break @ minimum wage, to answer the phones giving them no authority what-so-ever to move the loan process along.

She informed me that she did not see the letter nor the detailed income and expense that I submitted and told me that I should just re-fax it and wait to hear from them. Oh really? ‘Get me a supervisor.’ I am not going to be given the run-around all day.

After being put on hold by four (4!) different people, for over 45 minutes, I finally got a supervisor who informed me that there was no work order open. I had asked her why and she confessed that only work orders were opened when someone, like myself, made a phone call to someone like her, (a supervisor). Basically she was telling me that unless someone demanded some attention…you know the squeaky wheel….”, they were going to get no where.  I could tell she was a bit embarrassed confessing this to me. I can only imagine how much these people must despise the work they are having to do for these banks knowing that the banks make it difficult for the customer…and that the banks really don’t care.

The sup could only see parts of my submitted information, and the numbers that she read off to me were vastly different from the income and expense report that I had faxed to them.  She told me that the information gets entered in columns that may be headlined different than what I submitted. Hmm…do you think it would make the process a bit easier for the two parties doing business, if they just sent out a form to fill out, along with the initial contact letter, so the numbers could be entered easily into their system and we could all be on the same page? Sounds logical to me…but hey, that would be just too easy.

After a few minutes I was totally lost and the sup was probably just as frustrated as I was. I finally said to her, “Look, I don’t care what you want to call my expenses or where you list them in whatever column you need to list them in, as long as the totals are the same.”

Finally, everything was entered correctly ( really who knows), and she informed me that the computer program informed her, that I did not qualify for short term assistance because I have a shortage in my escrow account.  Are you exasperated yet? I certainly was. My question to her was, ‘Hmm….since my mortgage is with your bank and your bank is aware that I have an escrow shortage, do you think it would’ve been wise for them to know that I would not qualify for short term help because of this escrow account,  before you sent me the letter offering me help, and wasting hours of my time? She, of course, couldn’t answer me and left me with, ‘I have no idea how these letters are generated.’  (deep sigh) End of story.

Well not quite. Hold on. A few weeks ago, I finally got a letter from Barbara Boxer in response to my letter that I sent her over 6 weeks ago, stating my frustrations with Wachovia bank.  I basically sent her what I blogged here a few months ago, and also gave her my blog URL, just in case she wanted to ‘tune in’.

Here is the letter Sen. Boxer E-mailed me:

Dear Ms. Moquin:

Thank you for writing to me regarding the difficulty you are experiencing with your lending institution.  I appreciate hearing from you on this important matter.

In California alone, more than 236,000 homes were lost to foreclosure in 2008.  In our state’s largest cities, home values have dropped over 35 percent from their peaks, leaving many families owing more than their homes are worth. For thousands of Californians, it may seem as though there is nowhere to turn for relief.

If your financial institution is federally regulated, my office would be happy to assist you individually by drafting a Congressional inquiry on your behalf and submitting it to the financial agency that regulates your lender.  If your lender is regulated by a state agency, your correspondence will be forwarded to the proper state regulatory agency.  It is solely up to the discretion of the state agency to communicate with your lender with the hope of modifying your loan.  As a policy my office process cases in the order in which they are received.  Due to the high volume of Congressional inquiries and the thorough review of forwarded material, such inquiries take as long as three months to resolve, and there is no guarantee of a favorable resolution.

Fortunately, the ability to open an inquiry with a regulatory agency is not solely the prerogative of a United States Senator.  You may bypass the time-consuming process of a Congressional inquiry and contact your lender’s regulator directly.  If it is concluded that your lender has violated state or federal regulation, the regulator may intervene on your behalf and mandate a loan modification.

To find a list of regulators and contact information please visit: http://boxer.senate.gov/services/consumer/foreclosures/

If you still wish to request a Congressional inquiry, please submit a signed statement addressed to me that summarizes your difficulties.  Please also include the full name of your lender and any relevant loan information to:

U.S. Senator Barbara Boxer

1700 Montgomery Street, Suite 240

San Francisco, CA 94111

Again, thank you for writing to me.  Please feel free to contact me about this or any other issue of importance to you.

Thank you Sen. Boxer! If you are reading, you will be hearing from me shortly.  I just want to forward your letter to the president of Wachovia, John G. Stumpf and a few others before I send out what you requested from me. I appreciate your response and I am grateful for your offer of assistance. I am confident that with your help, I will actually get some assistance from my bank.

Well Readers: You’ve heard from me – Any nightmare banking stories you want to share? Blog me. On a more positive note….See….I am living proof that contacting your Senators does give you some power, and your voice can actually be heard. Have any issues that you want to resolve? Do it. Contact your peeps. Any questions who they are? See the left hand column of my blog “Contact your Representatives and Senators here”.

““““““`

Haley: Thank you for your comment and keeping me up-to-date on Sgt. Cromley. Yep, he quickly went from an unworthy hero status, to a worthy villain, and his 15 minutes are just about up. The media is seeing to that. And yes, you are right again, if the rolls were reversed and it were a black man…reverse racism would be flying through the media.

Billy: Where are you getting these? It puts a smile on my face. :)

Al: Terrific - Thank you. Hope all is well in your world.

Gratefully your blog host,

michelle

Aka BABE: Your Bad Ass Bitch Editor

For archives dated before January 17, 2008 click on my Blogroll:

or click here: “A Day in the life of…”

All content on this site are property of Michelle Moquin © copyright 2009

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Well…I just got the news, and it’s better than I thought. The LIVE news chat that I spoke of the other day is going to be LIVE TODAY and our president is going to be part of it. How exciting is that?  Obama is going to be at a live townhall meeting, ready to answer some of your health care concerns.  Here’s the scoop that just came in:

President Barack Obama is holding a special LIVE town hall meeting with AARP and Divided We Fail supporters today – Tuesday, July 28th – at 1:30 p.m. EDT.

But that’s not all, Michelle.

You’ve taken part in the debate on the critical issue of health care reform from the beginning. Now you can take your questions straight to the top – we’ve arranged for President Obama to take several questions from our online supporters at tomorrow’s town hall!

Click here to submit your question for today’s LIVE town hall meeting with President Obama.

President Obama will join us to discuss the ways that health reform legislation currently before Congress will impact AARP members and older Americans and will be responding to your questions.

The president will be joined by AARP CEO A. Barry Rand for a conversation with tens of thousands listening on the phone, online, and from a live studio audience.

AARP has set up a live webcast on its site. Starting at 1:30 p.m. Eastern, you’ll be able to watch the town hall and listen to President Obama answer questions from AARP and Divided We Fail members about health reform.

This is a critical juncture in the health care debate, and we need to make sure we have the facts. Now is the time to tune in, ask questions and listen to the options before us. We have a historic opportunity to ask President Obama some tough questions, so let’s make sure we take it.

To watch the president live online in the webcast on Tuesday go to:
http://www.aarp.org/TownHall

Now is your chance to tune in,  get informed, and have your concerns addressed. C’mon now…speak up. The time is NOW.

On a side note: Ever heard of ther Lewin Group? Oh, the repugnants just love to quote the Lewin Group. It is their biggest defense against health care reform. Quotes such as, ”Approximately 114 million Americans are expected to leave private health insurance,” is taken from the Lewin Group report.

Let me give you a little background on the Lewin Group:

Generally left unsaid amid all the citations is that the Lewin Goup is wholly owned by UnitedHealth Group, one of the nation’s largest insurers.

More specifically, the Lewin Group is part of Ingenix, a UnitedHealth subsidiary that was accused by the New York attorney general and the American Medical Association, a physician’s group, of helping insurers shift medical expenses to consumers by distributing skewed data. Ingenix supplied its parent company and other insurers with data that allegedly understated the “usual and customary” doctor fees that insurers use to determine how much they will reimburse consumers for out-of-network care.

In January, UnitedHealth agreed to a $50 million settlement with the New York attorney general and a $350 million settlement with the AMA, covering conduct going back as far as 1994.

By David S. Hilzenrath

Washington Post Staff Writer
Wednesday, July 22, 2009; 6:46 PM

Oops busted. Who’s to say that the Lewin Group hasn’t been stuffing the repugs pockets with all of the money they have been ripping off from their insurers since 1994. And why do you think the repugnicants are so stuck on quoting them? It doesn’t take a rocket scientist to figure it out.

“““““““

Mehtarlam:  Good to hear from you again. It seems you are beginning to be a regular blogger here. Thank you for your kind words, and support. I wish I could do more right now.

Teyrawah, Delatam:  Your request weighs heavy on me as do all such similar requests when I write about the plight of women around the world. It would be easy to just say, ‘Eliminate them’, and yet it is not in me to descend to such depths, as much as my fury rises with each report that I read.

It takes the Assiya’s of the world that give me hope that women will prevail. Maybe not in our lifetimes, but my hope is that women will ‘woman up’ and fight for what is rightfully ours. When you pray to Allah, pray that the courage rises out of each of you to effect your own changes. I was once told that whatever efforts I put out,  will be matched. I pass that along to you.

I know it is easy for me to say these things, as I am an American woman who has never and probably never will be tested to endure even for one day, what many women endure over an entire lifetime.

I encourage you to fight for your rightful place even if that place is not on solid ground for generations to come. Annihilation may seem like the simple solution to a quick fix, but in the long term will it serve you best? I don’t know. I only know to continue to write and support and encourage that which I know is possible.

Women are the strength of this planet….why else would we call it ‘Mother Earth’? Azza once said to me when she left last year and we did not know whether we would ever meet again, ‘I will never forget Michelle’s Earth.’ I burst into tears. Those six words had a very profound impact on me. It did not arrive from an egoic place in my mind, but from a place of women empowerment in my heart. Again, I pass that along to you.

Women are the creators, and I believe that we can create a better planet for all if we just stick together. The men have always shown their commitment to each other; now it is the time for women.

Empowerment over our own future and those of our daughters and their daughters….will be our lasting legacy.

Shir Khan: It is easy for me to be committed to a cause that I believe in. It is women like you, and Mehtarlam, Teyrawah, Delatam, and Assiya, and so many others that are challenged daily. My strength is fueled by your unwavering commitment for change and equality. It is I that am blown away by the strength and courage of women not like myself. It is you and women like you that inspires me to continue to do what I do.

In my mind, distance is the only thing that should separate sisters of the world from coming together. Your comment tells me you feel the same way. Thank you.

Billy: Your little sayings are so whimsical – love them. I say, ‘keep ‘em coming.’

Scott: Thanks. I wish I had used that little tactic when I asked my employer if I could have the afternoon off this Friday to be with my family.

Mandi:  I would’ve started laughing, and asked him why he was checking out my butt in the first place.

Peter: You can be sure I will be checking out my Guam quarters.

Gratefully your blog host,

michelle

Aka BABE: Your Bad Ass Bitch Editor

For archives dated before January 17, 2008 click on my Blogroll:

or click here: “A Day in the life of…”

All content on this site are property of Michelle Moquin © copyright 2009

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Good morning.

We, as a nation, are in crisis. I am talking about our health care situation. I am compelled to write about it again, as daily 14,000 more Americans lose their health insurance.  This is just unacceptable. And as our president says, ‘This isn’t a game.’  Those that oppose his plan, think it is. And they’re playing with the livelihood of the American people; that’s you and me…as they try to squash Obama’s administration.  Here’s Obama’s weekly address On health care reform if you haven’t seen it.

And as the Mayor of San Francisco Gavin Newsom says, “We do not have time to stand on the side lines. We can — and must — act now. Call your representative. Email them. Sign our petition and show your support for President Obama’s plan to reform our national health care system.”

And if you don’t live in the beautiful city by the bay,  I know I asked last week but I am asking you again.  If you haven’t done so already  Click here to support Obama’s health care reform. If you want to hear more about it click here to view the full video of president Obama’s press conference focusing on health insurance reform.

And if you have questions and concerns about how this reform will affect you and your family, Obama  has set up  an on-line chat. How cool is that? Check it out:

The White House will be giving you opportunities to ask them and give your feedback over the coming days, starting today at 3:00pm ET with White House Health Reform Director Nancy-Ann DeParle.  She will be taking your questions from WhiteHouse.gov/live and Facebook on how reform will affect insurance in America, including how we can cut costs and assure that every American has access to affordable, quality care regardless of pre-existing conditions.  This is an issue that impacts us all – so help keep your friends and family up to date.

Note: After adding this to my article, I just got word that the on-line chat is postponed. See below:

UPDATE: Director DeParle is working hard to build consensus for reform and has been forced to postpone the chat once again due to intense and productive meetings on the Hill.  We will be sure to schedule more (sic) opprtunities to hear and address your questions and concerns soon.

As soon as I hear that the on-line chat is rescheduled, I will update you. However, readers, if you hear about it before me, I would appreciate it if you would please inform me, and I will post it. Thanks!

Anna: Good to hear from you. Thanks for the Liberation day article – it sounds like it was a ton of fun. And it was my pleasure to headline Guam’s candidate, Tiara. Again, much luck – Hope to see her on the tube. :)

Helena: Thanks too for posting your article from Nancy Pelosi. We need to do all we can to keep this issue in everyone’s face (and minds!) daily.

Hi Lydia: Interesting article but I have no idea about its validity.

Have a great day!…Peace out…

Gratefully your blog host,

michelle

Aka BABE: Your Bad Ass Bitch Editor

For archives dated before January 17, 2008 click on my Blogroll:

or click here: “A Day in the life of…”

All content on this site are property of Michelle Moquin © copyright 2009

" Politics, god, Life, News, Music, Family, Personal, Travel, Random, Photography, Religion, Aliens, Art, Entertainment, Food, Books, Thoughts, Media, Culture, Love, Sex, Poetry, Prose, Friends, Technology, Humor, Health, Writing, Events, Movies, Sports, Video, Christianity, Atheist, Blogging, History, Work, Education, Business, Fashion, Barack Obama, People, Internet, Relationships, Faith, Photos, Videos, Hillary Clinton, School, Reviews, God, TV, Philosophy, Fun, Science, Environment, Design, The Page, Rants, Pictures, Church, Blog, Nature, Marketing, Television, Democrats, Parenting, Miscellaneous, Current Events, Film, Spirituality, Obama, Musings, Home, Human Rights, Society, Comedy, Me, Random Thoughts, Research, Government, Election 2008, Baseball, Opinion, Recipes, Children, Iraq, Funny, Women, Economics, America, Misc, Commentary, John McCain, Reflections, All, Celebrities, Inspiration, Lifestyle, Theology, Linux, Kids, Games, World, India, Literature, China, Ramblings, Fitness, Money, Review, War, Articles, Economy, Journal, Quotes, NBA, Crime, Anime, Islam, 2008, Stories, Prayer, Diary, Jesus, Buddha, Muslim, Israel, Europe, Links, Marriage, Fiction, American Idol, Software, Leadership, Pop culture, Rants, Video Games, Republicans, Updates, Political, Football, Healing, Blogs, Shopping, USA, Class, Matrix, Course, Work, Web 2.0, My Life, Psychology, Gay, Happiness, Advertising, Field Hockey, Hip-hop, sex, fucking, ass, Soccer, sox"

Ahaha! I just have to laugh at myself – just love the title. Sometimes…thinking of a title to my day’s write is more challenging than writing the write itself. I just may have to use this one again. Who knows…it may become Friday’s frequent moniker.

Sahar: Your comment does not surprise me. The women have to confront and fight the many years of single-minded thought ingrained in the minds of the men. I did not think that it would be easy, but I was hopeful that the women could influence them to change. If the men don’t support the women getting equality, are you willing to do what is necessary to attain it?

Kurt: Touché. I will keep that in mind.

Joyce: Thank you for posting an article in favor of my four-legged friends. I am not big on insurance for pets but  I know many people are. This was a really interesting article. Thanks for thinking of me and my friends. :)

Midred: I have never feared drowning in a car but, when I have seen movies with people caught trapped in a sinking car, I always wonder what is the best thing to do. Now I know – thanks.

Leah: I too am going to try your chocolate cake recipe – sounds delicious.

Hey Fran:  I am delighted that you finally decided to write in and share something with me and my readers. My apologies for not addressing you yesterday. It is challenging sometimes to say all that I want to say in one write.  But I appreciate your contribution. These days many people turn a blind eye because they don’t want to get involved. All it takes is a little caring and a phone call and you could save one’s life. Thanks again for writing in.

Mark: I don’t quite know what to say about the article you posted. All I can say is there are some sick people out there who h

Al: My pleasure.

Hey Peter and Anna: I know the both of you are so excited for one of your Guam girls and the chance for her to be on America’s Next Top Model. I thought that since my readers can’t post photos, I would post one for you.  Congratulations to Tiara Lizama for getting the most votes! Good luck to Tiara at the casting call – I hope that she makes the show.

Anonymous #11 and Roy:  Lighting it up a bit is always appreciated on my blog – I do it all the time :)

Zen Lill: So now that you’re hanging with the Jerky boyz, got any insider scoop on the big ‘Bada Sting’ ( Thanks for that didley Rachel :) that just occuured.  If my memory is correct, one of the money-laundering mayors from one of the Jersey cities was only in office for 23 days! Those jerky boyz thought they could jerk-off with the cash and get away with it.  Sorry, busted. The only jerking off you’re gonna do is in jail.

Readers: Lastly, I just want to add my two about Professor Gates, even if I’m being redundant. So bear with me.

He shouldn’t have been arrested in the first place, period. His driver’s license was attached to his Harvard ID – what more proof does one need? And the charges were dropped. Gates didn’t have to go to court to have the charges dropped. Why? Because he shouldn’t have been arrested in the first place. No cop is going to drop the charges if he honestly felt that he had a sound reason for the arrest in the first place. He didn’t – What is clear to me is the cop Crowley is a racist, and dare I say ‘pig’.

And Gates  showing his outrage at being racially profiled is not against the law; it is simply freedom of speech.  Any other person would’ve reacted the same way, and the police after seeing the ID, would’ve apologized and left. And that would’ve been the end of that. But no, Gates is a black man and this cop Crowley is a racist. What concerns me is he teaches classes on racial profiling! Just exactly what is he teaching when it is clear that he is a racist himself?

That’s all I’ve got time for this morning but I found these interviews if you are interested in listening. Gayle King interviewed Professor Gates on the Oprah radio show on Sirius.  The interview is listed on the front page under ‘WHAT’S HOT’.   It lists the both parts of the interview. Although they are titled the same, the first interview is the first part listed and the second interview is the second part listed.

And if you want to hear Crowley’s version of what happened you can tune in here. This link will take you to an article that contains a link to the interview.

Happy Friday. I am ready for the weekend, you?

Gratefully your blog host,

michelle

Aka BABE: Your Bad Ass Bitch Editor

For archives dated before January 17, 2008 click on my Blogroll:

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