The McCleary’s tour town

Enjoy a scenic walk through beautiful North East, Maryland. At the tip of the Chesapeake Bay, this quiet waterfront town has all the charm and personality you’d expect from such a darling place.

Start at the marina and take some time here to silence your phones so you can focus on each other. Keep the phone handy for pictures and your check-ins here only.

As you leave the marina, notice the beautiful deck on the Nauti Goose and keep it in mind for your walk back.

Entering the park, notice the beautiful waterfront and pier on your left. Spend some time snuggling here, sitting on the dock of the bay. While you’re in the park, take a picture at the point, it’s the best view in North East.

Leaving the park, make a left on Walnut Street for the waterfront view and the shade you’ll find as you stroll this quant little road off Main Street.

Your first stop is for coffee at the Chesapeake Bay Coffee Company, and on your way check out the adorable “dollhouse” home and the gorgeous landscaping the North East residents and businesses have decorated Main Street with. If you brought a book, take some time to enjoy it while you take a rest under the beautiful trees at the coffee shop.

After coffee, check out Kathy’s Corner Shop. You will not be disappointed.

Breast Cancer Awareness and Early Detection

This post is nearly 3 years late, but better late than never, right? I honestly haven’t been ready to tackle this topic until now, and it’s not the easiest to discuss even now, 3 years later. However, it’s necessary, so here goes…

With the help of my friends at the Breast Health Center and some amazing ladies in my life, we took the first step in effecting change in our community: group mammogram scheduling, aka Mammo Month. The event was fun and the staff at the Breast Health Center were so helpful with our coordination efforts.

Our community feels strongly that knowledge is power and we understand that the more we know, and the earlier we know it, the more empowered we’ll be to make important decisions.

What’s more important than our health, our collective health, as a community, as a country, as a whole for the Lessons Learned we’re leaving the next generation?

Let’s show them how we can collaborate, communicate, and effect change…one statistic at a time…

1 in 8 women NEED to detect their breast cancer early! Mammo Month is an excellent way to engage the women (and men!) in your life to make testing a fun event with friends and family instead of a dreaded, and, for some people, a terrifying experience. My mammo month is peace. ☮️

Solution: Mammo Month is a thing!!!

August 8, 2017…found a lump…

August 26, 2017…received our diagnosis…

February 9, 2018…last radiation…active treatment ended…the whole family rejoiced…

as of 03.24.2020…Feb 9, 2019 was 774 days ago…774 days of a cancer-free life…2 yrs cancer-free…let’s effect a change in these statistics!

Tags: #moldgate, #wethepeople, #ily2020 #covid19 #quarantine



Statute 27-1001 has not “provided Maryland’s insurance consumers with an important consumer protection, which serves to encourage insurance companies to value and adjust claims in a fair and timely manner.”

Valuation disputes are not mandatory, as the 2008 report to the General Assembly indicates. Some can be avoided with clear, concise, and considerate communication.

Statute 27-1001 does not provide “strong deterrence against insurance companies making offers below policy limits when the damages incurred clearly meet or exceed those limits.”

Decision Rendered: Per the Maryland Insurance Administration, Nationwide Insurance acted in GOOD FAITH

Given the difficulty had during the course of this claim and complaint, there’s strong reason to believe that the insurers are not being held accountable to act in good faith in Maryland.

Nationwide’s reluctance to resolve this issue in a timely manner lent way to the idea that they are not being held accountable to handle customer’s claims with care.
The law gives the MIA 90 days from the day a complaint is filed to render a decision. …within the statutory time frame…2009…but then, in 2016, we start seeing this default decision mentioned.

Who would benefit from a default decision on behalf of the insurance company?
The statute gives the administration 90 days from the day a complaint is filed to render a decision…”it must”. If…not within time period specified it shall be considered a determination that the insurer did not breach any obligation to the insured…but why???

But wait, there’s more…

Did Nationwide provide “each pertinent communication” to allow for the “reconstruction of the claim“? Or did they intentionally withhold information?

See Statute 27-1001 below to learn what the insurer is obligated to provide for the purpose of reconstructing the events of the claim.
…must file a complaint with the Administration…basis of written record…must contain five findings…section 27-1001…

The MIA has definitely gone MIA when it comes to effective and efficient communication. Let’s review some examples…

…appears egregious…Nathan had our binder full of the evidence disputed everything Nationwide put in their November 3rd letter…and then it was closed by the Rapid Response Unit. We’ve since learned that’s standard process, so more investigation is needed into this situation.

Perhaps someone can convince RRU and P&C to improve on their processes to ensure the materials provide adequately explain that rights are being given up by being allowed to be shuffled into the Rapid Response Unit.

Here’s an example of Nationwide’s Noise infiltrating the state of Maryland’s complaint logs, logs that you would expect to be a representation of facts, not myths.

They deflected from the facts like a power hungry group of teenage bullies who couldn’t risk coming down on the wrong side of the insurers.

It’s been documented since December 6, 2019 that the MIA refused to ask for those ALEs on the homeowner’s behalf. Nationwide paid these ALE’s on January 3rd, day 277, with no help from the MIA.

Research Required 03.22.2020 what protocol did the MIA follow when they closed this complaint with no resolution? When they incorrectly noted that the H.O. asked for cruise reimbursement instead of the owed ALEs? What corrective action does a H.O. have when the state of Maryland documents the complaint notes incorrectly? H.O.s don’t even see these notes unless they submit a Public Information Act request, so they don’t even know what’s being put in their complaint notes, which evidence is being shared or hidden.

The MIAs rumor mill is producing some serious output; if only their staff were as competent at doing their real jobs…protecting Maryland constituents.

Dear Governor Hogan, while performing our investigation for this homeowner, attempting to regain their lives back from this crisis, we’ve stumbled across some severe violations at the Maryland Insurance Administration. You’re busy, so we’ll chat with some fellow Maryland residents and get back to you with our findings, to be continued…

Garbage in, garbage out; every good IT team knows that!

Trust is the union of intelligence and integrity


The Maryland Insurance Administration rendered their decision on day 306 of this crisis. That’s a very long time…

Per statute 27-1001, Nationwide withheld pertinent information that should have been supplied within 30 days from October 2019.

copies not sent the MIA – violation 1

copies not sent to the insured – violation 2

“A problem well-stated,” Mr. Kettering, VP of GM, explains, “is a problem half-solved.” America, we’re half-way there; this problem has been well-documented by even the top lawyers in the country.

Let’s keep researching solution options while the state of Maryland investigates…daydreaming Business Systems Analyst style…

Statute 27-1001

Some input from a Maryland legal team at William and Zois

…demonstrate repeated attempts to simply deny the claim rather than to evaluate the claim for settlement purposes…
…failure on the carriers part to give adequate consideration to what you provided in support of you claim…500 pages…
.,.must testify at trial…fair…good faith…or is it…bad faith…
…wasting your time…let’s effect change…


Problem-solving health and home concerns on our journey through life’s loop-di-swoops…

It appears a version of this story has already been told by

…not only unethical, it is stealing…
Baffled…they fight every case hard…bad faith
Never…deserved to be called a liar on the stand.
I’m sorry that we haven’t been able to effect change in this area before now. America’s statistics may help us gain some rights back from these corporate giants.
Most people expect good faith; good people expect good faith.
Would NEVER have happened if the state of Maryland enforced Statute 27-1001, Governor Hogan.

To the team at The National Trial Lawyers, thank you for putting the severity of this issue into perspective…we, the people, are more than statistics. There’s a face and a family behind every one of these ugly stats.

This is an issue of national security because Americans, many of us, are unsafe right now because corporate oligarchies are oppressing us, making decisions on our behalf, and uprooting our lives.

They’re allowed to do this because the lawmakers that we elected to protect us are not doing their jobs. We are unsafe and it’s because of the laws implemented for no reason other than the corporate oligarchies have too much political influence.

A prime example of this is the recent lawsuit against the Pentagon by Amazon and declares “unmistakeable bias”

Should homeowners have to beg their insurance companies to finish settling their claim? That’s the question we’re left with at the conclusion of this lengthy analysis. Something’s broken if Americans must supply 2 years of financial data in exchange for any settlement offer…and that’s not even taking into consideration the fairness of said offer.

Please note that Statute 27-1001 says that the MIA is legally required to provide a response within 90 days, and continues to report to the General Assembly as recently as December 2019 that they are meeting that requirement; citing COVID-19 as the reason for missing this complaint’s 90-day deadline…even though…

Frederic Biggs was prepared to offer yet another extension to this insurer in March 2020. Did that extension have anything to do with COVID-19? Or was thats punishment for the homeowner following up for a status and to request completion of the investigation prior to April 1, 2020? Or punishment for the homeowners being unwilling to provide additional documentation that their insurer should have provided within 30 days of October, November, and December’s requests from the Maryland Insurance Administration?

So many questions, so few answers…except that this was all done in good faith...#orisit

A Call to Action…with love, chs

Statistics prove that:

  1. Earlier detection of cancer leaves us more treatment options.
  2. Earlier detection of mold leaves us more remediation options.
  3. Maryland residents are not safe from insurers; speak now or forever lose our peace.

How can you effect change now that you have this information?

Sign up for a Mammo Month Event

We gathered some ladies from our community to have their mammograms done as a family.

They enjoyed the event and the local Breast Health Center enjoyed hosting; they even provided coffee and snacks for the group.

Five members of one family decided to turn this formerly-dreaded event into a fun experience, each leaving on cloud 9 after a morning with the beloved family.

Meet the family who made a breast cancer survivor’s dream come true when Mammo Month became a thing!

For the cost of a box of donuts and some coordination efforts, this family participated in our first of many Mammo Month events in 2020!

Contact us below and we’ll contact you to let you know when an event will be scheduled in your area

Submit the form below to learn how to effect change in your home state. We have contacts in nearly every state to help you advocate for change in America’s statistics.

When one American stands up, they take a stand for everyone and effecting change is easier when we do it together.

chSolutions is taking a stand. Will you stand with us? Let’s stay healthy together!

#moldgate, #wethepeople, #ily2020 @withlovechs #withlovechs #quaranteam

#creators #speaknow #acalltoaction #mammomonth #moldgate #dearsir #mia @govlarryhogan #fightformaryland #staywell

Community Communication Channels & Digital Strategy

Coming April 1, 2020, let us empower you to effect change in your business processes and technologies

Let’s launch your technologies into the 21st century!

Home or business, we’re here to help. Don’t be intimidated by the technology.

Our communities CAN go virtual during the COVID-19 quarantine, let’s find this solution together.

For our community, let’s open the communication channels and match needs with the community’s desire to help, creating opportunities to learn, grow, and, most importantly, be a blessing to others.

For our small business owners, we help make technology decisions that fit their business model. This is exactly what our Business Systems Analysts have been doing for local customers, and that’s exactly what we want to do for you!

From near to far, let’s work together and use this opportunity to take your technology to the next level.

Let’s gather a team of agile advocates and start Driving Change on April 1st!

...feel free to be as vague or specific as you're comfortable sharing...
we'll use your preferred method of communication
we look forward to connecting with you...

April 1, 2020 – Virtual Team Building

Join us on social media to chat about the important issues…teamwork makes the American dream work, America…let’s do this!

  • Instagram @withlovechs
  • Instagram @unitedproblemsolvers
  • Facebook @withlovechs

Let’s choose a few topics, review the statistics, learn how we can help, and then effect change!

meet us on April 1st @withlovechs
let’s effect change with kindness
with compassion and understanding
with love, creative healing solutions

Hello, America!

Our first company newsletter!

Stay tuned to learn how we can share our 3PL services with you…we’re working on bringing the dots closer together so that we’ll be able to offer you customized business solutions by April 2020!