The paper presents a detailed study of the inhomogeneous Stephani-Krasinski solution with a time-dependent curvature index. In general, the cosmological behavior of the models depends on six arbitrary functions of time. Such models are termed 'private universes' and cannot be in accord with observation in the most general case. Two simple models with changing topology are considered as illustrating examples. In one of these models the pressure turns out to be negative and hence a violation of the weak energy condition in the singularity theorems is possible. A brief review of other inhomogeneous cosmologies is included for the sake of clarity. It is shown that the geodesic equation can be reduced to a complicated differential equation, which depends on the three arbitrary functions involved. Therefore, it is difficult to obtain explicit formulas for the various observational relations.